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

Complaint narrative:
In XX/XX/XXXX, the monthly mortgage payments increased tremendously, making it impossible for me to stay current with the loan. The bank started a legal action to foreclosed on my home that same year, XX/XX/XXXX, but the case was discontinue. However, in XX/XX/XXXX, the bank started a new foreclosure action against me. I have been trying to resolve this issue because I have the best intentions to stay in my home and pay my mortgage. However, the bank is not allowing me to modify my loan. I tried to applied for a loan modification but I was denied on XXXX XXXX, XXXX and I was denied as well on XXXX XXXX, XXXX. I am a good candidate for a loan modification but it seems that the bank 's interest is not help homeowners whose best intentions are to pay their debt. The bank 's interest seems to be foreclosing on homes. There has to be something wrong with that. It does not make sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Someone obtained my debit card info and submitted XXXX charges to my account on XXXX/XXXX/2017. XXXX charge was {$53.00}, the other was {$43.00}, totaling {$97.00}. Both charges were through XXXX, XXXX. shown on my bank account with the phone number : XXXX. The call on XXXX/XXXX/2017 was answered in XXXX. ( They told me they also had XXXX other office in XXXX, CO. ) They told me to email their fraud department at XXXXXXXXXXXX. I received a reply in a few hours. However, they advised me that they could only block my card number and could not reimburse me because they already transferred the funds to a third party. I am having my bank, Citizens Bank, try and recoup charges through their fraud department. I think it is unfair that XXXX can not have records to indicate who the third party is, in the event they have to go after this third party. There should be a law to prevent this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I was faithfully paying my mortgage payment from the time, Ditech Financial took over and transfer our notes from XXXX. No missed payment nor late payments as a proof, I can send all evidences of all my mortgage payments in the future. We kept on sending our mortgage checks to Ditect before the XXXX of every month as stipulated from our Deed of Trust, unbeknownst after researching from our bank account 's that our last mortgage check was only cashed since XXXX? We continued to send mortgage payments from XXXX and XXXX and Ditech never cash out anymore those mortgage payment checks we sent to them? I am a XXXX and my work schedules were so hectic besides taking care with my little children. Therefore, I communicated with them through mail immediately. I was asking why Ditech does n't want to cash our XXXX and XXXX mortgage payments checks and they want my homestead to proceed on for foreclosing in which me and my husband will not allowed for any reason. Therefore, we requested Ditech to process our Loan for the Federal Home Affordable Modification Program that is still available until XXXX and until now Ditech is not yet responding from our request until this moment. XXXX had done their abusive collection tactics by their agents in posting notes of threats in front of doors of our home. I am requesting for your good office to investigate the unlawful conduct of on their repeatedly harassing and abusive collections on our property that our members of our family were threatened while we were out of work. They always come inappropriate hours. They always come even after I have communicated Ditech by mail. They repeatedly doing their illegal debt collection practices. I appreciate so much for your cause of helping us under your provision on protecting homeowners as well consumers from Mortgage Companies based on your discretion under Consumer Financial Protection Bureau on Debt Collection Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I have a XXXX mortgage with Green Tree Servicing. I have faithfully paid my loan on time for the last 10 years of a 15 year mortgage. My monthly mortgage payment on my account is $ XXXX.and some odd cents. For about the last 2 years I have been making small overpayments on the loan that I requested be credited to the principal on the loan and not the interest. The increase in payments was {$230.00} then I increased them to {$240.00}. I notice on XXXX/XXXX/2015 that Green Tree was doing just the opposite of what I had requested, they were crediting all overpayment to interest. Therefore they have been collecting more interest than is due monthly on the account. I called Green tree on XXXX/XXXX/2015 at approximately XXXX central time to correct this error. I was told that the error would be corrected by the young lady that I spoke with. On XXXX/XXXX/2015 I receive a letter from Green stating that my account is past due. I call again and spoke to a gentleman by the name of XXXX XXXX and I requested that this error be corrected. XXXX XXXX checked my account and noticed that I had not missed a payment and he assured me that the error would be corrected. Today on XXXX/XXXX/2015 I received a note from Green tree that I am now in default and I now have 30days to correct/pay this default balance of {$710.00} I have never missed a payment on this account and Green Tree has been misappropriating overpayment on this account for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 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: Meade & Associates, Inc.
State: OH

Complaint narrative:
I had disputed this account before with this company that never verified this account MEADE & ASSOC # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , OH XXXX I have a a unverified account from Meade & Assoc . I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt MEADE & ASSOC purport I owe. I request that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CitiBank offered a credit card when we were booking our vacation. The offer was that we would receive free bags on our XXXX XXXX ( XXXX ) flights. XXXX did not honor this claim, and we had to pay {$200.00} extra for our bags on XXXX trip. There were XXXX mysterious charges from XXXX which CitiBank nor XXXX could explain, but we expected to pay them or suffer interest and late fee charges. We made XXXX phone calls to CitiBank and XXXX calls to XXXX. We filed a dispute with CitiBank. On each subsequent call the dispute was never documented, no confirmation numbers were provided. Late fees and interest charges continued to be charged to us by CitiBank. Finally I spent XXXX minutes on the phone ; and my wife spent another long conversation to attempt to solve the constant double talk and misinformation. No supervisor would would come to the phone. We believe this is an unfair, deceptive and abusive practice which CitiBank perpetrates on consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
The lender has agreed to review the clients file through loss mitigation options and is refusing to hold/postpone the sale date set for XXXX/XXXX/16 to allow time for the review, which they state will take up to 30 days.. They are in direct violation of regulation X by Dual tracking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We applied for shortsale assistance XX/XX/XXXX, as it was offered to us to help us avoid foreclosure. After we submitted at least XXXX offers from buyers ( we also had a few, really low ball Cash Offers which we did n't even bother with ). All within timeframes of XX/XX/XXXX through now. Each contract price gets countered to above market value. Each time the buyers cancel the contract, as it 's subject to the 'shortsale approval ' and then a new BPO/Appraisal. My realtor kept listing the property at what the bank wanted $ XXXX and got NO showing request. She sent this XXXX listing history to the lender to show them, no activity. It did n't seem to matter. We sent them the comps they wanted 'Non Dis-stressed, Foreclosures or Shortsales ' to be used as comps? Does this make any sense. Why is n't the bank using comparables to my house, in the current dis stressed condition it is in, to appraise the property? Because it does n't benefit them! I feel the bank is purposely delaying this shortsale and not coming to the true market value of this property because they would rather see it go into foreclosure. Which during this process they would stop foreclosure actions, the bank just filed the les pendens law suit about 1 month ago, knowing we have had a contract in place for shortsale processing. I am not sure if this is a form of discrimination or some scam. For example, on the 'latest ' contract in for shortsale approval, XXXX different BPO/Appraisal people came out for the bank, within days of each other, XXXX is reported to just take pictures, no value dispute the other is told to do full BPO. When they go back to submit the work, the lenders request is cancelled. Why is the bank stalling to finalize this shortsale. The current buyer has to move out now by XX/XX/XXXX- he is going to have to walk from this sale, again like the other buyers, because the file is not being processed or moved along at fair market value. There are current water leaks in the master bathroom windows, no washer or dryer and AC that does n't really work. We have disclosed all of this to the buyers. Does the bank really want to work with us or not? Please stop wasting our time. HELP!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Credit Clearing House of America, Inc.
State: IN

Complaint narrative:
I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My mortgage lender has misposted several of my mortgage payments over the past six months, crediting the payment to escrow instead of to principal and interest. I have contacted them at least 5 times to correct the error, yet they still show me as being in arrears in my payments despite assurances by their customer services personnel that the misposting will be corrected. Now they have reported me delinquent to the credit bureaus and my credit rating has dropped by XXXX points or more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
In XX/XX/XXXX my wife and I took out a {$20000.00} loan with XXXX XXXX. Sometime later XXXX took over the loan, then XXXX switched to Ditech. my {$20000.00}, XXXX year loan was up last month. According to Ditech still oweing {$15000.00}. we have paid almost {$52000.00} in XXXX years, at XXXX % interest. In XX/XX/XXXX we had to claim bankruptcy, Ditech does n't even acknowledge it. It 's plain to see the math will never add up! We were also forced to use their insurance, and they also had a escrow account of {$470.00} that was disbursed but to who or what we do n't know. I know I 'm XXXX of many complaints you have received. What am I to do? This is a mobile home fixed loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 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: Meade & Associates, Inc.
State: OH

Complaint narrative:
In 2009 I had checks stolen from my ex-husband 's home, in which I did not reside at the time. The person who stole them cashed them at various stores and banks. He and his girlfriend were prosecuted but at the time I did not file identity theft because I was busy trying to pick up the pieces of my life. I did not know about this until the detective contacted me because this person was caught at a bank cashing them. I do not remember the detectives name, the person who was charged is XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
DITECH FINANCIAL, LLC has force placed insurance without any reasonable basis. Further, DITECH FINANCIAL, LLC has been provided with proof of insurance and has, over the course of more than 1 year, actively and knowingly refused to acknowledge its misconduct. There are several letters and other correspondence with DITECH FINANCIAL, LLC representatives, including correspondence in which the borrower repeatedly provided written proof of insurance as required under her Deed of Trust assigned to DITECH FINANCNIAL, LLC. The borrower was forced to retain counsel because DITECH FINANCIAL, LLC is systematically ignoring the borrower 's provision of written proof of insurance. This is very worrisome. It appears to be a knowing and intentional violation of Regulation X of the Real Estate Settlement Procedures Act. 

Currently, DITECH FINANCIAL, LLC refuses to withdraw its force placed policy despite having received written proof of insurance as required under the Deed of Trust. Based on the written correspondence which DITECH FINANCIAL, LLC has received, there is no reasonable basis to believe that the borrower has failed to maintain hazard insurance as required under the Deed of Trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GMA Investments, LLC
State: CA

Complaint narrative:
I began getting phone calls from a debt collector in XXXX 2016. Despite my informing them I am not the person they are looking for, debt collector keeps phoning me. I have told them they are calling the wrong person and not to call me any more. Last week on Tuesday XXXX XXXX I got a call and both my wife and I told them not to contact me again. Less than 24 hours later I got a robo-call from them and today, XXXX XXXX I got yet another call and again I told the person I am not the one they are looking for. The debt collector replied " well, you are on the internet ''. I again asked them not to contact me again.

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 2015-07-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
While considering potential lenders, we decided to pursue a new loan with lender, Green Tree Servicing ( AKA Green Tree Originations ) who held paper on current XXXX residence. We were pre-approved for loan on XXXX home based on income, assets, and XXXX credit rating from XXXX agencies. After over 3 months of financial interrogation, and pushing back closing 4 times, we notified Green Tree that we were abandoning the loan process and paying cash because sellers would not amend agreement for a XXXX closing change. They were adamant that they could not get IRS transcripts or bank statements which we had in hand and provided. They also forced us to pay off current mortgage even though we had sufficient income to continue normal payments. As a result, our investment income was reduced. Then, they held that against us. In the final stages, they informed us that their underwriter had abandoned them and they would need to provide a fresh start for the new underwriter. At that point, we were concerned about fraudulent activity as they had all of our confidential information which they refused to return to us. We have had unauthorized credit card activity on XXXX accounts since we severed our relations. This week, Green Tree sent us notification that they are informing credit agencies that we were denied mortgage credit due to unverified income and insufficient funds to close. We had considered a law suit against Green Tree for mental anguish because they held all parties hostage due to their inept process and created potential financial loses to buyers, sellers and real estate agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
Had a loan through XXXX for almost 10 years with no issue. Sold my house on land contract. The gentleman was renting out the house and the loan was currant. XXXX sold to XXXX and they turned to Ditech. Ditech sent someone to the property and told the renters they needed to vacate because the house was being foreclosed on and they will be trespassing. By the time we cleared everything up the renters moved out using Ditech 's henchmen as their legitimate excuse. At that point the man that had the property on land contract started getting gitery on his investment in fear that something shady was going on with Ditech so he and I requested a loan modification which he has been through with several companies many times. At that point Ditech ran a continuous we will call you back run around with us. Almost never was there a record of previous conversations. No one that we were supposed to talk to was ever available and we were sent to voicemail after voicemail where the mailbox was full. Not one email or phone call was returned leveing it impossible to communicate with them. They at one point told us they would not take partical payments and then turned around and told us they were not sure why we were told that ( of coarse things got deeper and worse as they stalled out ). We have been waiting for loan modification papers for the final time for over a month now making handfuls of calls every day being sent to voicemails that are full and not able to leave a message. The are claiming the property will go into foreclosure in XXXX. If they would only do as they promised this entire situation will clear itself up and everyone can move on and they will get their money. If not everyone looses and it will be the sole fault of Ditech. Never have I witnessed such incompetent handling of a loan. 

The last payment was made in XXXX of 2015 for the amount of {$580.00}. I did n't make a payment in XXXX because I wanted written proof that the house was n't in foreclosure as that 's when they evicted the tenants. I then tried to make a {$1100.00} payment in XXXX and they would n't accept it and then tried to make a payment in XXXX and they would n't accept it either. During the course of the last year that have verbally told me twice that we were approved for a modification and then approved for a a repayment plan which I was trying to do for {$800.00} a month and then they never called back again. No exaggeration, I have called Ditech over 100 times throughout the course of the last 15-16 months and have received less than 10 return phone calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation