vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
changing our mortgage payment from {$980.00} to {$1200.00} a month. Lied about taxes and insurance premiums.

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 2016-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
Ditech, my mortgage provider went through a system upgrade in XXXX 2016 ( according to them ). I currently make biweekly payments on my mortgage, almost twice the amount of the standard payment. Due to technical issues, the system is no longer able to post biweekly payments. This is now resulting in showing over {$7000.00} of unapplied payments, but the mortgage now shows past due since XXXX XXXX, 2016. I did contact the provider by email and by phone several times. They have assured me the are reviewing the account. Beside a simple acknowledgement that they received my complaint and are reviewing this ( without any results as of XXXX/XXXX/16 ), they have never proactively reached out to me as to provide any status update. They are however reaching out with never ending collection calls and letter. If it was any other service, as a consumer, it would have swapped providers. However with a mortgage that is not such a simple task. It has been over 8 weeks with no results ( and I 'm sure I 'm not the only one ). I understand system issues, but it is inconceivable to me that not a single individual within the company can review my account and make the necessary corrections. I have no faith in the process, nor would I ever know if after the corrections the remaining balance would be correct ( depending on how payments are posted ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Has not reported payments to the Credit bureau. Refuses XXXX recognize that I was discharged from a chapter XXXX therefore not allowing my account to be eligible for services that could benefit my account

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 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
told to get XXXX to pay loan because they wpouldnt letus change dates.on fixed income and ss comes in after the XXXX of the month .say we had to be charged for that service.we have been paying this XXXX service for a while and I could n't understand why? said it was because we could n't paqy on due date.they also never had us to sign any papers when they took the note from XXXX.we still own around XXXX and only paid XXXX for unit.been paying since 1999.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Ditech ( formerly known as Green Tree ) increased my escrow amount by {$58.00} on XXXX/XXXX/16 due to increasing property taxes and insurance. No problem here - except that I was not notified of this increase either my email, electronic statement, mail, nothing. 
The only way I found out about this increase was by logging in and discovering this increase a month later and discovering this increase. 

Also, as I write this on XXXX/XXXX/16, Ditech has received my payment in full according to their " Payment History '' section of their website - however - they still show my XXXX payment as outstanding. It 's almost as if there 's a bug in their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech has failed to properly apply HAMP loan modifcation incentives.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
In XXXX after we received our tax refund, my husband called our mortgage company to see if we could pay off our escrow for the year and and if it would lower our monthly payment. The person he spoke with at the mortgage company told him yes this was an option and gave him the amount to send to escrow and quoted him what our new monthly payment would be after that was paid. We sent in the check for the new monthly payment as well as a separate check for the escrow. I received a letter stating we had n't made our monthly payment and they were holding what we sent in suspense. My husband called to see what was going on and they told him that we actually CAN NOT pay off the escrow and that we would get a refund for the entire amount we sent them minus the amount to make up for the short payment. We went back and forth for over a month with these people never getting our money back and being told we were going to get the refund and then that we were not. Finally my husband talked to a guy that said yes we will get the refund and that they would now take the next monthly payment out of the money we were getting back and send us a recalculated refund. We finally got the refund and then got a letter stating we did not make our payment that was taken out of the refund check. My husband called and was told that they did not take it from the refund and that was the XXXX payment. But we had already made that payment. Now they are saying we will have an over 30 days late on our account. These people give you a different answer every time you call. They need to account for every penny of that money that they were supposed to refund to us. This was their initial mistake to begin with because they told us it was an option. Then they held our money hostage and now are apparently stealing it, too. He tried calling back to see if someone else might help him and as soon as he gave the account number they hung up on him.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Tormey Bewley Corporation
State: AR

Complaint narrative:
So I called Albuquerque collections to find out what I owed and what payment plan I could get on to pay the debt off. The women was not understanding what I wanted and I was told it was common sense math and I should. I felt XXXX as I am the one that wanted to do the right thing. Then when I advised her I would not let her get a dime of commission off me. She then told me it did n't matter it was already her account. She also told me that accounts that where not repoting to my credit where. THAT IS ILLEGAL.

Company response to consumer: Closed
Consumer complaint received 2016-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Innovis
State: CA

Complaint narrative:
Statement of credit denial, termination, or change excessive obligation in relation to income

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I had a mortgage thru Greentree ( Ditech ) and had to do a short sale in 2012. They dragged their feet on processing a buyer I provided for them. Eventually it went thru. I received an official document dated XXXX/XXXX/2012 showing that my mortgage was discharged with a Satisfaction or Release of mortgage. Now I am getting demand for mortgage payment from Ditech on that same mortgage and they submitted to credit reporting agencies a delinquency, which has adversely affected my credit rating.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
I received a letter statementing that I will start being charged for prior service fees/expenses that were incurred and paid for while green tree was/is servicing my loan ( that date back to XXXX XXXX Green Tree has been servicing my loan for about a year and a half now. The expense description is " appraisal-inspection fees '' in the amount of {$15.00} each totaling {$300.00} for outstanding balance which they are roll into my monthly payment. They can give no further explanation or information other than they were previous fees and from a previous servicer that I am required to reimburse them ( green tree ). This is the first I have heard of these fees in the 10 years I have had this loan, it was never disclosed to me nor authorized by me. I have also on several occasions been yelled at and talked to in the most absurd unprofessional manner. I have major concern that these are not legitimate charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
After leaving school I had tried to pay back my private loan with NAVIENT. I am currently unable to pay the XXXX a month payment that they say I can not lower. I receive letters in the mail saying they will send my account to their legal network for litigation if I do not submit payment by XX/XX/XXXX. I have already made a forbearance because it was the only option that I could afford, which brought me only temporary relief until the calls kept coming. I offered to make a smaller monthly payment but they said that I could not do that, only the payment upwards of XXXX $ was available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I received a letter telling me my Mortgage was past due. I knew I had a auto pay bi weekly coming out of my account for years. I called the company they were RUDE, unprofessional and basically told me I did n't know what I was talking about. I called my bank, then I finally tracked down my payments. I was then told that the company I was using ( which is a third party company ) was a rip off. They also told me they did not deal with third party companies, which was not true. I never had to contact the company I was using to change my payment amount. The third party company has ALWAYS notified me regarding changes from the mortgage company annually, due to increase in property tax or home owner insurance. But this year the only notice they received fro Green Tree Servicing was to decrease my amount. After that was done a couple of time at the first of the year, that is when I got the letter from GTS. So now they are calling me monthly, for an extra payment and wanting to charge me late and processing fees. They still refuse to contact the third party company. I would love to change to another more qualified company that can get the job done right the first time. This company has shown to be the worse ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I have made numerous attempts requesting tje validation of debt. I have requested on writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed. I was not given enough information to validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
This is a hospital bill. Years ago the hospital put XXXX of my bills together and I have been paying on this bill. All of a sudden this added. bill appears.I have tried talking to them to no avail. When i contacted the hospital I was told they were not aware of this bill, and that I am not in arrears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
DITECH FINANCIAL, LLC indicates that I have an existing mortgage with a balance of {$15000.00} as of XXXX 2015. I do not have an account nor a balance with this company. Account was charged off thru Chapter XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Debt Recovery Solutions, LLC
State: MD

Complaint narrative:
Debt it not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
AFNI , INC . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AFNI, INC. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tormey Bewley Corporation
State: NM

Complaint narrative:
I was covered under my insurance at ten to these details were incurred. Because the bills were not sent in a timely fashion, and because I retired and acquired a different retiree policy, the invoices were not paid. I am willing to pay the original fee without the interest and late fees, but have not been contacted by the collection agency.

Company response to consumer: Closed
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Ditech representing XXXX threaten foreclosure on my home even though I 've made timely payment ever since I signed the Green Tree paperwork back in 2014. I do not answer Ditech telephone calls. I will not answer harassing/threatening phone calls from argumentative Ditech employees that have been trained to harass customers. I will attach Ditech correspondence and my response at your appropriate prompt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
On XXXX XXXX we received notification via mail from Ditech the company that services our mortgage that our escrow account is negative over $ 13XXXX. As you can imagine we were shocked to say the least. The escrow statement was the first XXXX we have ever received from Ditech and first notification that we were ever negative in our escrow account. We called Ditech to get answer as to why we were never notified of such an amount negatively affecting our account and the rep for Ditech advised us our escrow account has been negative since they took over our mortgage in XXXX XXXX. She continued to tell us that any negative escrow amount would 've been notified on our monthly statements. I challenged that claim and she verified that indeed it does not show on monthly statements nor does it show we were negative using Ditech 's customer web portal. I have attached a few statements and screenshots from their customer portal indicating nothing was communicated to us via mailed statements, website, phone or mail that we are negative more than XXXX in escrow until recently. In their history of statements in their web portal they have never issued escrow statement for XXXX XXXX nor when we use their customer escrow portal tool does it state we were negative. We have listed our house for sale as direct result of this issue. So how does a company expect us to pay the overage when we were never notified and the information was hidden from us?

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 2015-09-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
HelloI would like to place a complaint againstDitech Financial llc. 
XXXX, PA. XXXXAfter receiving information from my prior complaint I need to expand it to include other parties. For reference previous case # XXXX. 
In XX/XX/XXXX I put an offer in of XXXX to purchase a short sale property at XXXX XXXX XXXX XXXX XXXX , OR. XXXX from XXXX XXXX XXXX. I Put earnest money down and had a pre approval with 20 % down. On XX/XX/XXXX XXXX XXXX XXXX countered with XXXX witch I immediately accepted and signed acceptance documents. On XX/XX/XXXX we were finally contacted and surprisingly met with another counter demanding XXXX dollars more for the property. Brining it to a total of XXXX. 
Unknown until my prior complaint XXXX XXXX XXXX had sold the lien to Greentree financial who has now merged with Ditech Mortgage Group. So as well as XXXX selling the property lien when they had an agreement with me I am finding that greentree / Ditech are being very unreasonable as well. My Realtor has sent a comparable analysis report for the area showing the inflated price is way out of line. I have photo documented the extensive damages and provided average repair costs. 
Both listing agent and my realtor have argued that this is unethical and unrealistic. But all this has been ignored by the lien holders involved. There has been little communication and no cooperation from the new lien holder Greentree / Ditech. I have read complaint after complaint about greentree / Ditech and do n't want to be just another complaint. I am looking for help on what can be done or I can do to make a difference. There is a number of properties in my area that have been vacant for years and now I understand why. 
Thank You for your timeXXXX 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 2016-06-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ECMC GROUP, INC.
State: TN

Complaint narrative:
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I made a lump-sum payment to Ditech ( XXXX XXXX, SD ) at the end of XXXX to bring my mortgage current through XXXX XXXX, 2016. Since that date, I have received several collection notices. After numerous telephone calls to the customer service department, my mortgage is still reflecting a late payment. The funds are in a 'suspense balance. ' Today, at XXXX, I called again. The rep does not know what the problem is and neither do I. Perhaps your investigation will provide the answers I seek.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation