vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
My lender, Ditech is not applying my payments to my principal balance and are charging me fees they make up themselves this has been going on for 6 months

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Debt Recovery Solutions, LLC
State: WA

Complaint narrative:
2 days ago my wife and i received phone calls from private number stating they have paperwork to deliver with lawsuits, then I received a notice in the mail from Debt Recovery Solutions stating I owe XXXX from a debt that is over 14 years ago that was not even mine. It was a identity theft. I called the number on the bottom of the paperwork XXXX which is a robo number stating I could win a XXXX dollar gift card to merchants like XXXX. I did not speak with anyone. This is a scam company and please review the letter I have attached.

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 2016-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scott Fetzer Financial Group Inc.
State: KS

Complaint narrative:
United Consumer Financial Service is trying to collect on a debt for so called house alarms that only cost XXXX and they charged XXXX for them. This was flat fraud on people who do n't know better. XXXX XXXX is a collection agency for them also and has sent multiple letters.The company that comitted the fraud is out of Missouri. But not sure of the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I had hail damage to my home of over $ XXXXXXXX. The insurance company issued me a check with Ditech Mortgage ( lienholder ) also on the check. Ditech Mortgage stated I had to send them the insurance claim, endorsed check and copy of contract for work to be completed. I sent all of these items along with breakdown and invoices of items I paid for already out of my pocket. I sent the package out and waited. I called after one week and was told they were still working on the file. I received a check today for $ XXXX ( this is what they call half of the {$20000.00} check I sent them. They did not send me the reimbursement for the {$4300.00} that I have spent out of pocket to replace all of my windows ( which were broken and damaged ). They are telling me they will not release until I provide proof windows were replaced. I sent the paid in full receipt for not only the windows but the installation invoice. I sent them pictures yesterday. I called today and was told they will not send any more money until all the work is done. I have holes in my roof and we have had several torrential rains since the hail storm. I need my money to be released so I can get the rest of the work completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
Green Tree Services had excepted a payment in full and left with just about nothing. Yet they still have a negative on my credit report. XXXX XXXX was going to give me XXXX funds to relocate and XXXX decided they did not want this considering they were not going to get their full payment. So I was forced to settle for XXXX, not once did I have anyone come to my defense in order to get me what could have gone a long way. Malicious acts from those who have power. On top of not giving me the funds, I am stuck with a negative on my credit report till 2020. Some justice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I am the victim of loan modification fraud. XXXX XXXX and ditech financial are XXXX me. They added {$16000.00} to my balance and forged documents.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
On XXXX, 2016 I received my XX/XX/XXXX/XX/XX/XXXX escrow in mail from Ditech Financial LLC. Upon reviewing I became alarmed by the huge property tax increase and large increase for XX/XX/XXXX mortgage payment due to these projections. ( felt a little sick because of a similiar situation taking place in XX/XX/XXXX/XX/XX/XXXX ). I telephoned next morning ( XX/XX/XXXX ) to find out what was going on. After several calls I was quickly able to realize that the escrow projections were in error based on customer service reading my neighbor 's parcel ID as well as mine. I explained that there was a legal amendment/ partial release to my mortgage based on an error of Green Tree 's when a refi was done as part of The Making The Home Affordable Program. ( XXXX XXXX had pulled the wrong legal desciption when refi was done ) I ask that they look in their system for the document and they were able to pull it up but some how it was overlooked when they uploaded file ; this was in connection from Ditech becoming GreenTree. Thus began the inconsistent information being given to me by customer service. I was told that under circumstances that it could take up to 14 days to investigate but with documents in their system to call mid next week and they should have it investigated. It was then said it would only take another 5-7 business days to perform new analysis. Finally the rep I spoke with said information from calls and XXXX page amendment would be emailed to me while we were on phone but to date no email has been sent. This made me very uncomfortable in thinking that the calls could be overlooked and so could the research they said they were going to do. Therefore I sent several faxes and letters ( Written Qualified Request and Notice of Error ) on Saturday, XX/XX/XXXX as well as messages to the online message center. I did not receive any phone calls to confirm receipt of information. Then on Monday, XXXX XXXX, 2016 I sent a letter priority mail ( so I could track when it would be delivered to ) The Taxing Department, XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX As one last attempt I emailed Ditech directly XXXX. The email consisted of said letter and forwarded emails from XXXX County Treasures Office of which had the XXXX page partial release document attached. When I called Ditech Customer Service on Wednesday, XXXX XXXX and was told a whole set of different time lines, they were not allowed to email customers and that this could take up to 90 days after research was finished I became more than alarmed and realized I needed assistance in getting this error on their part fixed thus turning to you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Company states that I owe a remaining balance on a loan of approximately $ XXXX+. I have refinanced loans with this company a number of times over a number of years. I feel that the interest calculation on the loan is incorrect and that I have more than paid off this loan based on the amount of interest paid as well as paying for insurance. The company is continuing to try and collect the remaining balance and is continuously calling work and home. I want the loan to be investigated to determine whether or not it violates lending standards. If it does not then I will pay the remaining balance. If it does I want my account resolved and any negative credit reporting corrected. In addition, I want the Company to cease calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I 've been trying to close on my property and have a willing buyer. Time is of the essence and I am also in bankruptcy so I need it to close. I have asked green tree to submit payoff information multiple times. I made a payment in this loan XXXX XXXX, 2015 and asked for a payoff for XXXX XXXX at that time. It 's the XXXX of XXXX and their attorney does not have it and I have not received it nor did my title company. I 've called multiple times. I 've emailed them. What else am I supposed to do? They act like time is not of the essence, yet they are the first to send threatening letters when they do n't get a payment. They have no clear way of ordering a payoff or knowing that the order is being processed. The end result if I do n't get this payoff by tomorrow is I 'm going to loose my buyer and the property will go into forclosure all because I 've been trying to contact them to get a payoff that they do n't seem to want to provide or are too incompetent to know what to do. How is it that I have spoken with XXXX different people at green tree and none can give me an answer about my payoff? Do n't they want the property to close? Is time not of the essence for them in this real estate transaction? this company is about the most incompetent financial institution I 've ever dealt with and certainly do not have customer service as a priority. You would think they would have payoff information at their finger tips.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Ditech is current servicer on a mortgage loan transferred to them from Green Tree. All correspondence from them relating to possible modifications or other remedies come in the form of a letter, but it is never signed by anyone. Seems to me that whoever is sending me a denial etc should sign the letters. I feel that ever since the transfer of the loan that one person should be my contact in loss mitigation/modification dept. so I have a name and phone number. Personal contact is needed, but seems to me they always are changing people and its almost like starting over when a new solution is possible. Poor communication with no one person really having the authority to solve the issues involved. Suggestion that I make for a possible remedy never are presented to XXXX XXXX on my behalf.No real flexibility in working out a solution to prevent a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Hello, Regarding our attempts to modify our mortgage with Greentree/Ditech over the past, almost 2 years. 

*in late XXXX, we began working towards a modification *after almost a year, full of lost papers and constant resending of documents, we were approved for a trial modification in XXXX XXXX *we made trial payments, per their instructions, in XXXX, XXXX, and XXXX of XXXX XXXX XXXX, there was no communication. 
*after repeated calls from us, we made a payments in XXXX and XXXX. 
*rec 'd a letter in XXXX stating we no longer would be able to modify due to not returning documents? 
*attempted to contact the rep on the letter referenced above, but no answer and no return call after leaving numerous messages *last message I left stated I would not continue payments until we could figure out what was going on. 
*continued to reach out in XXXX - no replies *drafted a letter to Ditech in XXXX XXXX responded in XXXX, stating they would review my inquiry, and get back to us in 30 days *In XXXX, another letter was sent by Ditech, basically saying our situation was still being reviewed *In XXXX, we rec 'd a letter from and attorney stating he was authorized to begin foreclosure proceedings *sent a letter on XXXX XXXX in response ( as requested on the attorneys notice ) with copies of the correspondences with Ditech *No response *Homeowners policy renewal payment of {$370.00} sent by me on XXXX - check was returned to us *Called my ns agent who stated policy was paid in full by the lender - we have always paid ourselves? 

So, it is now XXXX, and I 'm fearful that these people never had any real interest in working with us, and foreclosure is imminent. 
My wife and I worked diligently to save our home, but it just does not seem to matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
After the bankruptcy date of XXXX/XXXX/XXXX, Ditech Financial LLC kept the account opened and continued to try to collect on a discharged account. When they were first contacted about this error and asked to stop, Ditech did not stop collecting on the account. In XXXX of XXXX Ditech was again asked to stop collecting on a discharged account, at that time they stopped communication, but they kept the account open. The account history for XXXX to XXXX should be cleared from from all XXXX credit reporting agencies because the account was discharged back in XXXX. After multiple communications with Ditech, they have not agreed to follow the mandates of the bankruptcy discharge, and to this day they refuse to close the account. They have not provided any reason for their refusal to follow the bankruptcy court discharge. Ditech has been reporting this as a foreclosure. This is illegal! The debt has been discharged through bankruptcy on XXXX/XXXX/XXXX. 
Ditech financial 's customer service representatives admitted that they show all of the bankruptcy paperwork on file, but they have told me that they will continue to collect on the debt because the account is open and active. I talked to the trustee in charge of the foreclosure process on behalf of Ditech. Ditech is attempting to foreclose on the home that we no longer own and of which the debt I 'm no longer responsible for. The trustee sent me an email telling me that they know we surrendered the home through bankruptcy and she told me that I should escalate this to a Ditech supervisor because Ditech may be reporting this debt as a foreclosure instead as a surrender in error. I called Ditech back to speak with a supervisor who told me that she can not do anything about it and that I have to send a letter to their correspondence department with my issue proving that they are making an error. This is after the Ditech people admitted to having the bankruptcy information on file and admitting that they have never followed up with my calls when I have called to have this reviewed on their end. Ditech representatives admitted that the account is still active and that they are actively seeking to collect on the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One thru XXXX has been garnishing my wages for a debt that is well over 7 years old. They have violated my rights under the FDCPA Fair debt collection act. In XXXX XXXX, XXXX Capital One had a Civil Action against me. XXXX, XXXX XXXX XXXX filed it on Capital One 's behalf of a credit card debt of around {$1000.00} ( I dont know the true balance ) in XXXX County Oklahoma. I was never informed of this court hearing. I found out when on XXXX/XXXX/XXXX when Capital One started garnishing my wages at XXXX % per paycheck. The paperwork was supplied by my employers, not Capital One or XXXX, XXXX XXXX XXXX. That was when I contacted XXXX Co Courthouse for documents of the Civil Action. The balace of the bill was {$4800.00}. That was about XXXX times the accual amount of the bill. Then I moved from Oklahoma to Florida in XXXX XXXX due to the tornadoes destorying my home. 
In a new job in Florida I was yet again getting my wages garnished on XXXX/XXXX/XXXX. Capital One again thru XXXX, XXXX XXXX XXXX was garnishing wages at XXXX %. I called Capital One and they told me I would have to contact the lawer firm handleing the case. I called XXXX, XXXX and XXXX and tried to settle the case due to financially difficulties I was having. I was informed that they would not settle and if I didnt pay the full amount they could go to court and get me to pay more money than I owed. XXXX, XXXX XXXX XXXX didnt record my phone call and the woman I was speaking with refuse to tell me her name. She was cussing at me and telling me the firm and Capital One owned me and they could do what ever they wanted to get payment, the court was on thier side. About 4 months later I was contacted by XXXX, XXXX and XXXX about settleing the debt. The man stated he was authrized to allow the amount garnished to be enough to settle the debt. He would be sending me a letter in the mail stating the debt was settled and considered paid in full. The letter never came. I tried to contact XXXX, XXXX and XXXX at the phone number he provided and it was disconnected. Then called the phone number on all the papwork and was hung up on. Then on XXXX/XXXX/XXXX Capital One allowed XXXX, XXXX and XXXX to garnish my bank account. They took {$1000.00}. 
Captial One and XXXX, XXXX and XXXX has never once contacted me on any of the court cases against me. XXXX has XXXX County Court house where the judgements are coming from. The debt is well over 7 years old and doesnt even show up on my credit report anymore. Plus the fact that they settled with me and yet still coming for money and the XXXX Co Court is letting them. I know now that Capital Once and XXXX, XXXX and XXXX lied to me about the settlement as I have never gotten the promised settlement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SD

Complaint narrative:
XXXX XXXX sold our XXXX Mortgage to Green Tree Servicing LLC a few years back. I 've been reading about harrasing calls for collecting payments and we most definately agree, they were so rude and demanding. Their calls would always start out " could I speak to XYZ '' and you respond " this is '' and the next sentence would be " do you want to keep your home at XYZ '' ). Really, what a very offensive comment on your XXXX call requesting payment information. I recall many times I commented that they put their efforts towards collecting from true " past due '' customers and not us when we did n't miss a payment in a 30 day window ). They would go so far as calling on the due date if it did n't arrive and ask where 's your payment, what 's the check number, why did n't you mail it in time. XXXX conversation we specifically remember that was so wrong on their behalf.. I questioned them as to why they continue to call every month without allowing us the 14 day grace period before it 's past due. I was told Green Tree is a collection agenecy not a mortgage company so no grace period is allowed, which I found to be very concerning as my loan was definately connected to my home mortgage for colateral. Last year, XXXX sold our primary mortgage to Green Tree as well so I 'm concerned what the future may hold for us if our payment does not arrive on or before the " due date '' and no grace period allowed ( according to GreenTree representatives ). I do have to say for a professional lending company, they have no professionalism in their business tactics. 
We just recently paid our XXXX mortgage in full with GreenTree so we could have the harrassing stop every single month, no matter what the date was and we did not feel they deserved XXXX in interest to support wages for that kind of customer service. If I had the finances I would pay my primary mortgage in full as well so GreenTree receives no interest from us ( but we currently do not have the resources to pay it in full ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
They state it 's a XXXX XXXX amount due. I contacted XXXX which is and has been my current provider for at least the last XXXX years and they show no outstanding debt. Nor any interruptions in service due to a lack of payment. When I ask specifically what they are collecting on they go to strong arm tacticts " just give me your credit card ... ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
This Co. keeps calling me on different phone numbers XXXX to XXXX times a day looking for my sister XXXX XXXX and I have asked them XXXX times to stop calling me and that she does not live here and they say the will but keep on calling over and over again they like to call from a new number and say that they have never called before but caller ID says different and there is XXXX different people that is on the phone when they call I have a phone for my own purpose not to get harassing calls for my sister and they are very rude when you try to talk to them about this

Company response to consumer: Closed with explanation