vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I closed XXXX sold XXXX my home on XXXX/XXXX/2015. Green Tree Loans was the holder of my XXXX mortgage. I attempted to cancel my autopayment on XXXX/XXXX/2015 ( when I realized the XXXX payment had already been factored into the payoff quote ) but apparently it had already been 'pre-drafted '. 
I reached out to Green Tree the day after XXXX XXXX/XXXX/15 XXXX to notify them of my new address they should use to send my me a check for my extra payment ( because they could n't remit to the sending bank account # XXXX. After not receiving a check w/in the 30-day window, I called Green Tree. They said they had shipped it to my old address. And they could n't send a new one until the old check had been cancelled. It 's now XXXX, I 've called twice to make sure my check would be sent out, and twice I was assured they were on top of it, and they would call me when the check had been mailed. Still have n't heard a word from them OR received my money back! Where is my money? Are there fees/penalties they should have to pay? They were charging me interest at 7.5 % on that mortgage, but I must wait endlessly while they hold my money interest free?!! 

Additionally, when I refinanced almost 3-yrs ago, my rate lock almost expired because Green Tree refused to work w/ my bank XXXX XXXX XXXX XXXX even though it was a no money out refinance, to a lower rate, and they had already received the subordination fee. The customer service is horrendous, and I 've felt powerless to do anything other than wait while they run me around and give me nothing but stories about where my money is! 

Please help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
In XXXX 2016, my mortgage company ( ditech ) completed a new escrow analysis and erroneously entered a duplicate property tax amount of $ XXXX- which in turn caused my escrow estimated payment to nearly double. On XXXX/XXXX/2016, I contacted ditech via phone and brought the error to their attention. The representative confirmed the error and assured me that it would be corrected. From XX/XX/XXXX-XX/XX/XXXX, I continued paying my normal mortgage payment amount. No further correspondence was received until XXXX/XXXX/2016, when I was contacted via phone by a ditech rep. and advised that I was now " delinquent '' on my mortgage payment since the ( inflated ) mortgage payment was not being paid. I was also informed that I was now accumulating " late payment fees ''. I advised the rep. of the incorrect escrow analysis and my prior contact on XX/XX/2016 to which I received a " sorry, there 's nothing we can do '' response. After a lengthy discussion, I was eventually transferred to a customer service representative, who subsequently contacted my local property tax office and confirmed the proper tax amount. Even after she acknowledged that ditech had not only mistakenly duplicated the tax amount, but had also failed to correct it on XXXX/XXXX/2016, and also failed to notify me of the failure to correct it -- I was still told by this customer service representative that I was " responsible for paying the incorrect amount due anyway '' and that " when ( they ) eventually sorted it all out, the difference would be applied to my principal ''. I have since received several additional phone calls, attempting to collect these erroneous escrow and late fees ; threatening that if I do n't pay, my credit could be impacted, etc.. Since purchasing my home, I have always paid my proper mortgage amount, on time. I do n't understand how I can be held responsible for ditech 's ( admitted ) mistake. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX, 2017, I informed Chase my wallet had been stolen with my credit cards, ID and Social Security card inside. After being on the phone for around 30 minutes the conclusion was they would cancel my card, refund amounts charged and send a new card. On XXXX XXXX, 2017, 18 days after reporting the theft, a bank teller at a Chase branch in XXXXXXXX allowed an individual who would have had no knowledge as to my bank account number to withdraw {$1000.00}. I as an individual live in XXXXXXXX and never use the branch to withdraw {$1000.00}. After reporting the theft on XXXX XXXX, 2017, Chase not only accused me of stealing my own money, but blamed me for not changing my bank account number, an option I was never given and frankly did n't believe I needed as nothing in my wallet had my Chase bank account information on it. Chase has informed me I must wait 30 business days while they investigate and I am unable to use MY money, and may NEVER get it back. Until then I will continue to rack up overdraft fees as bills are allowed to go through. If you have any questions please let me know. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I am XXXX years old and I overpaid my mortgage and they issued me arefund check with my widow 's name on it, and I told the mortgagecompany that my husband was deceased. They asked me toforward a copy of his XXXX certificate and I did, and I stillhave n't received another check yet and they received XXXX certificate on XXXX XXXX, 2014.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
I am in forbearance on my mortgage. I have made the agreed upon payments before the due date and Ocwen has accepted the payments yet they still send default notices which when I call they tell me to ignore the letters. If I ignore the defaults and they foreclose I hace no defense in court. Ocwen has a history of fraud and other sleazy business tactics. They have paid XXXX dollars in settlements. This is more of their scam. I am paying as agreed and they keep threatening me. Their escalation managers are condescending and have no desire to do anything other than read from a script.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Innovis
State: TX

Complaint narrative:
To Whom it May Concern I am Having a Rhetorical Issue with this Unknown non name Brand Credit Reporting Agency Innovis. I Requested my Credit Report from Innoivis I received it, i Saw things on it that dont wasnt right i then disputed the items online along with a dispute letter Requesting information, The method they use to verify claims on my credit report along with names and numbers of the people they spoke to determine these claims, and i also requested the documents in my file the are using to determine that i own these claims. so i did n't receive any information but i did receive a completed dispute investagtion stating that they were unable to resolve because they dont have Physical proof of these claims they only use a automated verification system to verify claims but Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Act that you are required by the federal law to verify through physical verification of the original consumer contract. you read the Letter attached that the mail to me for more understanding them admitting to violating my federal rights

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I had pulled a loan from World Finance almost 2 years ago for {$200.00}, paid off half of it, only for it to not decrease ANY while making the full payments requested. Since then, i have received THREATENING phone calls, along with being cussed out over {$200.00} they racked up even more

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I bought my house 4 year ago. Initial appraisal of my house was at XXXX which how much I bought the house for. After down payment my initial loan was little over XXXX. In the past 4 years we have been making extra monthly principal payment so our current balance on our loan is little over XXXX. After completing some renovation and house prices going up in our neighborhood due to new constructions, current value of our house is almost XXXX which is way below XXXX % LTV. I have made multiple calls to my mortgage lender, which DITECH, including sending written request asking for removal of PMI as well as giving permission for appraisal to be completed. I have called my lender over 5 times and given different reasoning to why PMI can not be removed. Finally I received a letter from my lender saying that because we have FHA loan, PMI must stay in until it is scheduled to be removed which will be until 2018. After consulting with attorneys as well as my city appraisal as well as doing extensive research on PMI, our lender can not refuse to remove PMI if our LTV is below XXXX %. Our lender is not cooperative and refused to speak with me on this matter. I am only allowed to speak with customer services representative who keep giving me different information every time I call. At this point we have two options, either get mortgage attorney or refinance our loan. we need help and resolution on this matter at this time as all we want for PMI to be removed. 
P.S also at one point Ditech informed me that I have signed PMI agreement saying that I will not be able to remove PMI on LTV meaning if my house goes up in value or if we make extra principal payment. Well I asked them to mail me a copy of that document, and I never received anything. Because I never signed that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a customer of chase bank. On XXXX a purchase was made by a customer for my company 's furniture, tv 's and supplies due to me closing my buisness. A check was deposited by the customer. The check was not available right away I had to wait for my bank chase to clear it first. Once chase bank cleared it the following day I made a withdrawal of {$3000.00} prior to the deposit I had {$2200.00} in my account. When I made the withdrawal everything on my account was fine. The following day I received an alert stating I was overdraft. So of course I contacted chase bank to find out what had happened. They informed me the check was returned and they had taken my money to basically make up the difference of the check to return. I then stated as a buisness owner and customer of yours I do n't feel that was fair first I have never had any checks return on my account second you all cleared it. I did my part as to selling my goods and expected to get paid for it in any case I am the victim. I willingly offered to send a invoice and pictures of what was sold and it was declined. I then said instead of taking my money why not open an investigation, I will probably never see this customer again you all have more access to their information then I do. They then told me I would have to be the XXXX to open an investigation. Now I know my money is insured so I asked to be transferred to FDIC hoping to be given back my {$2200.00} and was transferred but then hung up on so I do n't even know if I was even on the phone with FDIC. As a customer of a bank that is suppose to protect me and my money I feel this is very wrong and I am not going to let this go because it 's wrong. I will be contacting anyone possible that can help me, so this is my first stop. I 'm also gon na get in contact with FDIC myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
It must be awful when a mortgage holder is behind on their payments and the debt collectors begin their calls, it is another matter when a mortgage is current with payments, and the debt collectors call! 
Such is the practice of Green Tree Servicing , LLC. In conjunction with, XXXX XXXX XXXX XXXX XXXX. 
As a subscriber to the F.T.C. e-mail alerts and messages, I am aware of the recent court case involving Green Tree Financial, LLC. Yet I feel the wolf just found another path to avoid the shepherd. 
I noticed some unusual new information on my XXXX 2015 statement from Green Tree Servicing , LLC. 
Principal : {$510.00} Interest : {$400.00} Escrow : {$0.00} Regular Monthly Payment : {$920.00} Total Fees & Charges Due : {$0.00} Optional Insurance/Other Products : {$0.00} Past Due Amount : {$0.00} Total Amount Due ( Reinstatement Amount ) : {$920.00} Accelerated Amount : Reinstatement Amount? Accelerated Amount? Default??? 
Then the calls started from XXXX XXXX XXXX, and it is just too bad I ca n't attach these voice mails " This is an important message from XXXX XXXX XXXX XXXX XXXX. this is an attempt to collect a debt any information will be used for that purpose, please return our call back to XXXX XXXX extension XXXX '', this message followed with me everywhere I went in XXXX, my cellphone, my home phone, my business phone, my mothers ' phone. I called in response to every phone call I received. As an somewhat aware consumer I left messages, " I am unaware of any outstanding debt, yet I do not as a practice will pay and or converse in any matter of this type without an invoice and or written statement of the debt, I am willing to work this matter out in the most expeditious method possible up and to the event of arbitration. '' I never would receive a call back, just messages and voicemail. 
It was n't until I received a letter dated XXXX XXXX, 2015 from Green Tree Servicing , LLC that the pieces fell into place. " During a review of your account Green Tree determined that your billing statement dated XXXX/XXXX/15 inaccurately indicated your account was in default and erroneously included a reinstatement and acceleration balance. " That is nice, now what other damages, errors, omissions falls on the hands of the individual? Pay to pull all my credit reports, and if there is a " blemish '' caused by Green Tree 's erroneous actions?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Ditech financial purchased my mortgage XX/XX/2016. Ever since then they have not been able to process my payments properly. I have spoken to no less than XXXX representatives including at least XXXX who claim to be managers. I have attempted to sort it out and even worked with XXXX manager named XXXX XXXX to not only update where my payments go but the amount as there was an escrow analysis that resulted in a incrementally bigger payment. Supposedly, everything was sorted. I 've noticed the last month and a half, the updated payment amount is being deducted from my account. However, I am still getting letters that I am past due. I have called Ditech numerous times and have left everyone who left me an extension a message. No one will return my calls. I am doing my best to show my due diligence but Ditech is completely inept in getting this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC

Complaint narrative:
DITECH FINANCIAL LLC purchased the account referenced from XXXX or from another third party junk debt buyer according to Chief Justice XXXX of the US Supreme Court, DITECH FINANCIAL LLC is in direct violation of the COURT of COMMON PLEAS OF XXXX PENNSYLVANIA, COURT OF APPEALS FOR THE XXXX, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondent 's property, DITECH FINANCIAL LLC in violation of contacting me on the above-mentioned alleged account at my home, upon receipt of this letter dated XXXX/XXXX/2016 this places DITECH FINANCIAL LLC DEBT COLLECTOR 'S in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] with fines of {$250000.00} or imprisonment, failure to validate the debt The [ FDCPA ] gave DITECH FINANCIAL LLC thirty ( 30 ) days to validate the alleged debt. 30 days have passed, present letter dated XXXX/XXXX/2016, failure to respond to TO [ XXXX ], FAILURE TO RESPOND WITHIN THIRTY ( 30 ) DAYS TO EACH NUMBERED ITEM BELOW IS ESTOPPEL. SANCTIONS MAY BE IMPOSED FOR REFUSAL TO ANSWER QUESTIONS OF DISCOVERY [ XXXX questions of discovery unanswered ]. Any proceedings on the Above Case, including the re-sale of the alleged debt information for the purpose of collection by any other debt collector/company, that are taken without first timely responding to this letter by the party ( s ) will be deemed prima facie evidence of fraud by mail and racketeering against the party ( s ). DITECH FINANCIAL LLC ( " Ditech '' ). ; XXXX, ORIGINAL CREDITOR : XXXX, its agents, assigns, principals, and counsel. Silence is acquiescence ; acquiescence is estoppels. 
Disputing your extortion and fraudulent claim of " debt '', XXXX XXXX, 2016 Certified Mail # XXXX DITECH FINANCIAL LLC ATTENTION : XXXX, AZ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My home went into foreclosure with Ditech XX/XX/2016. In XXXX I was working with Keep your home California with help on getting caught up with my mortgage. I was in Foreclosure at the time and Ditech refused to work with me and Keep your home California. I continued to send in the paperwork they requested but they kept saying they did not receive it. Then I received the sales date where they were going to Auction my house on XX/XX/2016. One week prior I found a cash buyer, they needed a payoff amount and again Ditech refused to disclose it and said it would be mailed. The buyer tried to get them to move the sale date ahead a week to wait on the info and get the finance together, again Ditech refused. No one bid on the house at the Auction so it reverted back to them. They then sold the house the end of XXXX for XXXX I owed approx XXXX, they profited about XXXX. I feel this is Unjust Enrichment, Fraud, Fraudulent Transfer, Robo and Dual tracking. My wife of 35 years and I have been homeless since our home was stolen by these crooks. The FTC found them guilty of tons of stuff and fined them around XXXX XXXX. 

Ditech 's Account number was XXXX. Sales Notice CA XXXX-Property address- XXXX Ca XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Over the years my husband had health issues and they were more than happy to give us a forebearance ; unfortunately they really did not tell you in detail that the interest would continue so it kept building up the principal balance due. We are now XXXX and XXXX and two years ago I got a reduction in the payment ; however, the 8.25 % interest continues. My husband is retired and I will be retiring at the end of the year. I guess my only option to get out of this mess with Navient is to take out a home equity loan on our home which will be at a much lower interest rate. Navient pushes forebearance and " reduction in payment '' but really do n't stress that the interest does not reduce and keeps adding to principal

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
This is an official complaint against Dietech Financial in conducting an illegal and wrongful foreclosure action on said property on the alleged date of XXXX XXXX, XXXX, in which I believe was backdated to legitimize the sale. During the merger between Ditech Financial, LLC and Greentree Servicing, LLC, there was no effort by the above entities to offer any resolution or modification. Neither party provided me with any remedies or provide any full disclosure of the loan transaction. It is my contention that no sale took place on XXXX XXXX, XXXX. Prior to execution of any Deed Under Power, the law-firm retained by Ditech Financial told me on the telephone that the Sale of my property was cancelled. Besides the failure to provide any remedies or working out any resolution, Dietech and Greentree failed to adhere to CFPB 's new servicing rules : Failure to adhere to rigorous servicing transfer requirements Failure to comply with mortgage servicing rules Failed to engage in efforts to preserve home ownership Failed to address any redress and Grevances Allowed the merger to maintain and sustain consistency with CFPB rules Failed to provide adaquate notice to the homeowner. 
Failed to provide full disclosure to XXXX of the loan transaction and underwriting of the loan I filed a Notice of Rescission pursuant 15 USC 1635.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation