vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: ME

Complaint narrative:
I just received a small check for {$53.00} from CFPB/Green Tree Servicing. I did not know we could do anything because they made it sound like this was it. Im not sure what we can do but would like some help. We had Green tree in 2010. My husband lost his job and had a non compete clause ( ie could n't work in his field for a length of time ). We could n't pay our mortgage for 2 years. We had a 30 year note financed at XXXX down to XXXX when he lost his job. We tried a loan modification with Green Tree and they might had done it twice or I know they did something wrong because they made us do a 40 year note adding an additional 17 years to our mortgage. How can you miss 2 years of payments because of loss of work and then owe an additional 17 years to your mortgage payments. That 's outright scandalous. They also added XXXX escrow or something to our principle instead of putting it at the backend. Not sure what this was exactly but they said escrow. We need help and I am not sure where to go because our mortgage should n't be a 40 year note and all additional fees should not extend my mortgage an additional 17 years in fees. Yes, they also did make us do speed pay ( this check we just received does n't cover close to what we put out in those fees ) to make our payments and harassed us monthly even though we had open communication as to our situation and regular payments at that time. I would like someone to review this situation because we should not have an additional 17 years of payments added. I asked them and DiTech ( new company they sold to ) to look into and they said they would but of course they did not. This needs to be fixed and at the cost of Green Tree Servicing. I am not sure what part of the mortgaging company process I am suppose to check on this form but I am going to check loan modification though they scammed us in many other ways as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
We have been trying to get a loan modification for the last 8 years. When Ditech asks for the information to process this ( bank statements, tax returns, paystubs, etc. ), and we submit them and confirm that they did indeed receive everything they need to complete the modification request, they send us a letter that we have not completed the requested paperwork. This exact same scenario has been going on for 8 years. The mortgage company for our home changed hands at least XXXX different times in 8 years. XXXX, XXXX, XXXX XXXX XXXX, Green Tree and the latest call to Ditech was made on XXXX/XXXX/15. The representative assured us the loan modification paperwork would arrive in 5-7 days. We had a XXXX way call with my husband and his real estate agent to confirm this in order to get more information on our options regarding selling the home. The real estate agent heard that we would receive it as well. We called 1 week later and the reprsentative with Ditech said that he never said that and denied even speaking with us. The representative thought our real estate agent was a lawyer. After several times explaining that he was NOT a lawyer but a real estate agent wanting to get a better understanding of our selling options, specifically short sale vs. foreclosure, he refused to discuss our case anymore. I called on XXXX/XXXX/15 @ XXXX to be exact. I believe all of the calls are recorded for " quality assurance ''. I called to follow up with this after again not receiving the loan modification paperwork, and the caller said she cant talk to me or she would lose her job and hung up on me. I called again to get more information because just a few weeks earlier they wanted to discuss this with us, and the caller, a different woman this time, hung up on me again. We have been very involved and wanting a resolution to our problem. We didnt walk away from our home, we continued to keep up with our home improvements, all we wanted was an opportunity to get a loan modification. There was NEVER any paperwork sent to us after confirmation after confirmation that they did receive all the loan modification paperwork they needed. I have written logs of everyone I spoke with, dates included, just to get a loan modification review. We were promised we would receive the paperwork, and over 8 years and have never received anything.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC.
State: AZ

Complaint narrative:
This is my second complaint about ECMC. I just received an arrogant and not factual letter from ECMC stating that they did not have my updated information which was their reasoning for me not receiving communication from them, which in turn provoked them to garnish my wages. I just located my XXXX tax document from them which clearly had my current address. There was no reason to send any document to XXXX which is what was stated. It is very upsetting that these companies like XXXX as well are allow to get away with this type of action. How can companies treat people trying to better their lives this way. I did not receive one bill, communication, or information about what was owed, yet they are allowed to make damaging reports on a credit report and garnish wages. It is just not acceptable.

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 monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I 've had my mortgage since XX/XX/XXXX and I 've never been late. I have automatic debit on my bank account from Ditech. On XX/XX/XXXX the funds were n't available for some reason and I called them several times to charge my debit which they said they were going to do but apparently they never did. Since they do n't bank a physical bank in XXXX I could n't do much and sent the payment because they never charge my bank account and I was going to be late. Anyways they said I was n't going to have a 30 days late they even returned my late fees and everything but on my credit report appears to be 30 days late which is affecting my credit which i take care of. I just want my credit to be clean and is unfair what they did.

Company public response: Company believes complaint is the result of an isolated error
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: TN

Complaint narrative:
I was current on my mortgage and requested a modification from XXXX XXXX XXXX due to my husband 's illness and loss of income and was denied because I was current. In the process, XXXX suggested a short sale of the property. After retaining a realtor and going through the short sale process, we received buyers who had secured their loan. XXXX accepted the offer. During the closing process, XXXX continued to require additional documentation which caused me to lose the buyer. By this time, my financial hardship was excessive. With the anticipation of a short sale closing, we accrued additional debt to move out of the property, which caused me to become behind in my mortgage. Consequently, XXXX XXXX XXXX forced me into foreclosure because of their negligence in processing the short sale. Two years later, I 'm being harassed by Ditech Financial, LLC advising that I still owe for the property, although, the property was sold back in 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I owned XXXX % of a property with XXXX and XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Texas. In XXXX 2015, I obtained financing and paid off the Ditech mortgage and became full owner of the property. Prior to closing Ditech informed XXXX XXXX that they did not collect enough money from the existing impound account to cover the property taxes which resulted in a {$2500.00} shortfall. Ditech demanded the {$2500.00} tax shortage be paid through escrow prior to closing the loan. I spoke with Ditech Customer Service Supervisors and I was told there was an existing impound account and if I paid the tax shortage through escrow ALL the taxes would be paid directly by Ditech to the State of Texas. Upon receiving this information from Ditech, I proceeded in good faith and paid the tax shortage and the Ditech loan was paid off. Currently, Ditech is refusing to pay the taxes they have already collected and instead, are sending the full tax payment to my partners as a tax refund! Clearly, this is a violation of my consumer rights. The taxes were collected through the impound account, I paid an additional {$2500.00} for property taxes. XXXX XXXX is holding an additional {$6400.00} in an escrow account because the Property taxes have not been paid! If Ditech does not pay the property taxes, Ditech has deliberately misinformed me and collected funds based on false statements made to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: DAS ACQUISITION COMPANY, LLC
State: IA

Complaint narrative:
I am a XXXX XXXX vet trying to get loan thru usa mortgage XXXX out of XXXX mo its a va loan and they keep screwing me over I believe they are screwing me around because I am a XXXX vet with that as my only income I have good credit and always done what they ask and provided everyrthing they ask they will not give me reason for denial or give me answer if I got if I got loan it has been months there is no reason for them to treat me like a piece of XXXX and not do what they said they would do

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I am still trying to work out something with Ditech ... no luck,,, ,they are n't accepting my loan documents, including a tax deferral ... .and will not work with me to find a payment I can afford. When i was with XXXX, my payment was XXXX ... now with Ditech 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 2016-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I first requested a Loan Modification Packet from Ditech Financial on XXXX/XXXX/2016 which I never received. I have never missed any other correspondence from Ditech. After calls to the service center, I was instructed to download documents from the website and given a list of other documentation to upload or send into the company. I sent in everything as requested. On XXXX/XXXX/2016 I called XXXX back and was told my application was not complete and additional items were required. I sent in much of the same information again. Since that time I have called multiple times to check the status and every time I get the same story- something is missing from my file/I need to send something else in before the modification can be reviewed. 2 weeks ago, I was told all my modification paperwork had been received and that they would begin reviewing the file. Oddly, the Supervisor came on the phone line to clarify why I needed a modification and discouraged me from proceeding until I explained I had a XXXX. I guess fear of discrimination made her back off. 
Yesterday I called to check the status of my Modification requests and was told that the underwriter assigned to my file was no longer with the company ( which was untrue ), and that my applications was not complete. Ditech had lost a document I sent in TWICE before, and stated this is the reason I have not been reviewed for modification. I 've been asked to send in the non-borrower 's credit form XXXX different ways. My tax forms were sent in twice with my signature page a XXXX time. CS representatives actually instructed me to " just XXXX '' forms I could n't find on the Ditech website. One XXXX instructed me to download and send in a form that had another bank 's name inscribed. 
In another phone call yesterday, I requested a copy of my consumer rights and was told that no such thing existed. A supervisor said something to the affect that maybe I was referring to CFPB but they did n't have to provide copies. 
At this point I feel that my modification request is being intentionally blocked. The requests for multiple resubmissions of paperwork is nothing short of harassment. If this is the improved XXXX Ditech is supposed to be providing as a result of the Greentree settlement they are failing terribly. CFPB needs to stop Ditech. This site is full of stories just like mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC.
State: CA

Complaint narrative:
On approximately XXXX XXXX, 2015 I mailed in a payment of {$120.00} to Afni Inc for collection account XXXX. In my envelope I included with my payment, a letter stating the following : '' Dear Afni : I 've included a payment of {$120.00} for the above mentioned account. By accepting and cashing said payment, you agree to delete your listing/tradeline regarding the above mentioned account from my credit report and you will notify the credit bureaus accordingly. 

If you do not agree to delete your listing/tradeline regarding the above mentioned account from my credit report, please send this check back to me at the address found above. 
Regards, XXXX XXXX '' In addition to the information above, I wrote on said check on the memo line : " By cashing this check you agree to the deletion of acct # XXXX " On XXXX XXXX, 2015, Afni Inc deposited my check into their bank account thereby agreeing to the terms of the letter as well as the terms written on the check submitted. 

On XXXX XXXX, 2015 I called into Afni after seeing in my bank account that my check had been cashed, to confirm deletion of the account on my credit reports. The customer service agent was not able to help me at the time and no supervisor was available to discuss the matter with me directly so, I left a VM for return call. I had received no call back so I called again on XXXX XXXX, 2015. Again the agent on the line could n't help me and no supervisor available to discuss so, I leave another VM for return call. On XXXX XXXX, 2015, I place another call into Afni Inc since no return call and I find that they have released a payment back to me and my account is now showing not paid. This is certainly not the case since I have a copy of my cashed check from my banking institution showing the withdraw of funds from my bank account from Afni Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I am addressing this complaint directly to you because I believe the issue needs attention from the highest authority. 
Recently, I had submitted an online application for mortgage refinancing to Amerisave Mortgage Corporation, XXXX ID # XXXX for my house located in XXXX XXXX, CA. Going through Amerisave 's online application, its system prompts XXXX to pick available rates the corporation would offer based on loan amount, property value, location and credit scores. Further, it let 's one view all associated costs and fees that come along the selected rate, and how much Amerisave offers as credit to the consumer to cover those costs ( please see attached printout from Amerisave online application ). According to the rate I qualified for and selected, all fees, including an appraisal fee of {$590.00}, was covered by the credit Amerisave offered, and even some leftover that ends up not being used. Even though I clearly pointed out this fact to the loan originator handling my application and I did n't want to pay an excessive fee upfront for a service I was not sure of, I was told and lured into making the payment on the pretext that it is customary and that all mortgage companies charge fees in spite of what its website claimed and offered. For an ordinary customer like myself it was confusing, and though I felt manipulated, I made the payment because I needed to refinance urgently and I was assured of the service. 
A few weeks through the application process, Amerisave indicates to me that it has rejected the application and would not return/refund the upfront charge it made. I tried to convince and prove to it that the grounds it based it decision on were not true and justified, but it was adamant on the money I felt I was unfairly ripped off. 
I believe that a mortgage corporation like Amerisave, or for that matter any other financial institution, has the right to provide services to whomever it chooses or deems qualified or deserving, but at the same time I strongly believe that an ordinary customer should not be taken or manipulated on hard earned resources for services not rendered. I believe that mortgage refinancing should not be like a " lottery '' where customers try their luck for exorbitant fees and there is a good chance that they would fail. 
I kindly request your authority to address this issue so that Amerisave refunds the fees it has charges for no avail. 

Thank you very much for your attention and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
I received a Notice of Court Proceeding to Collect Debt on XXXX XXXX XXXX. On the back of the same letter it states : Payment to avoid Garnishment and lines to fill out information such as my Employer 's signature, work place and only XXXX lines to complete as far as money they want me to send in for payment XXXX % of my earnings. This debt occurred in XXXX it is a valid debt however, I was only given 15 days to comply to my understanding I should have 30 days according to the Fair Debt Collection Practices Act I read. I have not received no other notices allowing me to respond before now. I spoke with the creditors Attorney regarding this debt in XXXX and the Attorney stated he would get back in contact with me regarding payment arrangements that was the only contact I had with this creditor. Now 4 years later no other notices sent to me in all this time they want to garnish me without any type of negotiation and acceptance of what I shared I can pay them every week which is {$100.00} dollars. I have already sent {$100.00} last week in good faith to show I am willing to pay the debt owed. So my claim is this debtor failed to give me enough warning does not return my calls and try to work with me, the Debtor is stating I have to pay what they want me to pay regardless of my other creditors and household bills. So I feel I am being done wrong in that that debt is 4 years old, they have not sent me in the 4 years no type of notices giving me the opportunity to work out the debt, only 15 days given for me to respond instead of 30 days which most my other debtors send, pressuring me to get this done in a certain time frame of 15 days, wanting my employers information versus allowing me to make my payments and not returning my calls. I would like to know what can be done about this? I am speaking with a consumer attorney on Monday for more help.

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 2015-07-30 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
Debt Collector reporting false information on Credit Report. First Date of Delinquency as XXXX, XXXX dated of delinquency was XXXX, will not put account into closed status causing monthly continual reporting on credit report, also reporting as XXXX XXXX XXXX, false representation. On XXXX report reporting terms which is against regulation for collection agency. Attempts by myself to obtain verification of all information have gone unresponded to. Dispustes thru Credit Reporting Agencies have verified false infomation. contacted HSBC original creditor they will not tell me anything saying pra owns debt now, and that they can not verify debt. i dont know how credit agencies are verifying this then, my only thought is pra is verifying for hsbc. XXXX deleted XXXX lines off my report stating information was not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received A letter dated XXXX/XXXX/XXXX from Midland Credit Management XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 
The letter stated : MCM Account Number : XXXX Creditor : XXXX XXXX Account Number : XXXX Balance of $ XXXX contacted XXXX XXXX XXXX XXXX Bank XXXX since that is the only dealings I 've had with XXXX Bank I spoke with XXXX XXXX XXXX and learned I had a balance of {$1300.00} from XXXX XXXX, which was turned over to Midland in XXXX XXXX. I contacted Midland at XXXX and spoke with XXXX. He informed me I could be sued if I did not pay. He offered me a 40 % of {$2300.00} which I informed him I did not have. He continued harrassing me until I finally hung up the phone. 
This is an old debt that was written off. My credit is suffering because the collection company is keeping it on my credit reports.

Company response to consumer: Closed with non-monetary relief