vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have written numerous times regarding my issue with JP Morgan Chase. I am writing again to let you know thag I am still NOT satisfied and they have done absolutely nothing to help resolve the issue. While they have already moved forward and sold the property I have written about and reported to every organization possible I want some sort of resolution. While we have tried for what turned out to be several years to get a simple loan modification on our home they continously asked for the same documents over and over again when I sent them as soon as they were requested, the law firm that was trying to help me get the modified at ion sent them as well. They claim that I did not send them in a timely manner and they also basically accuse me of lying when I told them that a representative of JP Morgan Chase would not accept a temporary payment when I called to make XXXX after doing it for several months. I gave them all of the information of who I spoke with and the number I called and everything. 
AGAIN, I AM NOT SATISFIED WITH THE FACT THAT THEY WILL NOT DO ANYTHING TO RESOLVE THIS MATTER. THEY SCREWED UP AND THEY KNOW IT BUT WILL NOT INVESTIGATE IT WITH THE INFORMATION THAT I HAVE PROVIDED TO THEM. 
I will not stop writing and reporting this to anyone and everyone that I can. It is not right that they can just XXXX over their so called customers like they did us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has refused to consider my application for a loan modification submitted on XXXX/XXXX/XXXX, Wells Fargo has also refused to give me a reason why. My pending application submitted in XXXX XXXX has gone without an answer. I am facing foreclosure on the XXXX of XXXX XXXX. My Notice of Default which was recorded in XXXX XXXX with the Trustee being XXXX XXXX XXXX XXXX however, in XXXX XXXX a Notice of Trustee Sale was filed. In XXXX XXXX, a Notice of Trustee Sale was filed by XXXX XXXX XXXX XXXX, however, no substitution of Trustee was recorded for these XXXX different companies.a Notice of Trustee Sale was recorded on XXXX XXXX by XXXX, still no substitution has been recorded. On XXXX XXXX, XXXX a Notice of Trustee Sale was recorded by XXXX XXXX XXXX with a Foreclosure Sale Date of XXXX XXXX, XXXX, a substitution of trustee was recorded on XXXX XXXX, XXXX, Substitution out XXXX XXXX XXXX a California Corporation and Wachovia Mortgage XXXX it 's successors, however, XXXX XXXX XXXX XXXX and then XXXX XXXX XXXX proceeded has Trustee. Wells Fargo Bank attorney in fact executed the Substitution of Trustee which is very suspicious.

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 2015-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
To whom it may concern : Can ANYONE help? I have fulfilled all requirements re Claim # XXXX dd XXXX Green Tree Loan Servicing, & I am being told that I MUST wait until further investigations are complete before the check which was issued by XXXX XXXX can be released to me for completion of repairs to the home I live in. 
I have an XXXX 15 year old daughter who is suffering in this HEAT WAVE -- -along with XXXX cats, a bird my wife and myself. 
No hotel will take us. 
My next step will be an attorney & the Media. 


XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
It is with great desperation that I ask my file be review. I have received notice from Ditech servicing co. that my property will be sold XXXX/XXXX/XXXX. I have applied for a loan modification due to the fact that I lost my job with XXXX after 24 years.. I have collected unemployment and have not found a job as of yet. My struggle began about XXXX XXXX when a package was offered to me. While I did received a separation package with extended health benefits having to support a family of XXXX and a sick wife. I must tell you that I have depleted it and have began to use credit cards. My cash reserve including all liquid assets has been completely spent trying to hold on to the house, living expenses etc. I have now began to use my son 's savings account. 
Your assistance in this matter is greatly appreciated. I want to maintain my home. I have XXXX children. This is my only shelter. I am sure I will soon hope to have a job. Please help me keep my home. I was told that Ditech can help me through the " UP '' program This is a hard fall.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc.
State: FL

Complaint narrative:
At the time of this encounter, I was covered by medical health insurance and provided same to the provider at the time of service. Additionally, the provider indicated that they were an In-Network service provider at the time I scheduled the appointment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
We pay additional principal on our mortgage and designate it as such, as allowed by our mortgage agreement. Ditech, our mortgage servicing company, continues to hold our funds without applying them to principal. This continues in spite of our requests to them to apply our payments as required by the mortgage agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Complaint Against Green Tree Servicing LLCSee Case # XXXXCOMPAINT HISTORY : My Credit Application was declined XXXX/XXXX/2013, by Green Tree for a XXXX ( New Owner ). ( Still within the 2-year statute of limitations ). 
Green Tree Adverse Decision Letter to me did not provide specific reasons for the decline, as required by law. Their Adverse Letter to my wife and I cited : " E. OTHER - Outstanding credit conditions associated with your loan approval have not been satisfied ''. I had no accounts, past or present, with Green Tree. Green Tree would not reply to my XXXX Certified Letters requesting that they provide specific reasons for decline. 
I submitted a complaint to CFPB, providing support for all the above. Green Tree did reply to the CFPB inquires. You can read their response in the file. Net/Net : Green Tree had the property in their portfolio with the person I was buying the property from. They mistakenly classified my request for a new loan as a refinance request from the existing owner.. Had Green Tree been compliant with the law requiring prompt & specific reason for the decline, and/o, r if they had responded to my XXXX certified letters asking the same, I would have been able to clarify. Since they did not, I was required, after their long delays, to find another lender. I lost XXXX basis points in rate, had to increase my down payment by $ XXXX and go with a 15 year term as opposed to 30 year term they confirmed to offer, subject to credit approval. 
REQUEST : The CFPB did not appear to take much interest in my original complaint. Now, Green Tree has agreed to a $ XXXX Settlement to affected consumers who were the victims of illegal loan servicing and abusive collection practices. Even though I am not one of their customers, the same type of servicing error, caused me the damages, specified above. 
Read the file, you will be amazed. I want to be included in the settlement. 
Oh, not related to the law suit, my wife and I did get a letter from Green Tree this past weekend. Green Tree 's Notification to my wife and I of a security incident that may have compromised all my application information, including social security numbers and other personal data. 

XXXX XXXX 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 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
We borrowed {$32000.00} twenty years ago from Green Tree Mortgage, I contacted them back in XXXX to see what my pay off is and I was told {$30000.00}. At that time I have requested several times a copy of the contract we signed, and have yet to receive it. I hVe called about once a week asking them where the copy of the contract and they keep shuffling me around operator to operator. Recently they sent me something that was not the contract and it was signed by people that were not there the day we signed, also the Co. That it says is wrong as well. I 'm still getting the runner around in regards to my contract. Please guide me in a direction that I could get some 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 2016-02-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
Green Tree mortage open escrow account against our wishes saying we did n't pay some property taxes and we send letter and you had to sign for it with prove that we had paid it They started taking our payment for house and putting into escrow making it look like we did't make our payments. we refinance our loan because of this with another mortage company. Green Tree loan was paid in full and look up on credit report they said we did n't make 2 payment which has hurt our credit score We wish to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I am submitting this Complaint against PHH Mortgage. I sought to refinance my mortgage loan, which they declined after XXXX months of giving me the runaround. 

First, the process extended for approximately XXXX ( XXXX ) months, as they continued to lose documents and request that I send the same documents over and over again. Second, I believe that because the interest rates have risen over the last XXXX months, following the XXXX interest rate increase, PHH improperly denied my application so that the company would not have to stand by the lock in rate that had been guaranteed. 

In the meantime, I have lost the ability to refinance at the lower interest rates and have been harmed by their conduct. 

I initially applied for a refinance loan in XX/XX/XXXX. I sought to finance {$230000.00} XXXX taking {$20000.00} in cash ). They had an appraisal done in XX/XX/XXXX, which came back at {$710000.00}. 

In XX/XX/XXXX I sent back the whole packet with all the paperwork requested. Then there were constant requests for more paperwork, more tax papers, etc. and I constantly had to re-send the same papers over and over that were overlooked or lost. This continued for approximately XXXX months. Over the last few weeks, the underwriters came back with request for more paperwork and documents. 

It appears that some of the considerations and reasons indicated by the underwriters are improper. First, the underwriter notes that my income is XXXX XXXX. Under XXXX XXXX and XXXX XXXX, creditors are supposed to consider XXXX XXXX income and not discount it. 

Second, although Regulation XXXX states that creditors should consider XXXX years of employment, PHH seemed to require that I worked at the same place for XXXX years. That is not appropriate. 

I have been harmed by the delays and the eventual wrongful denial by PHH and seek to be made whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
Green Tree Mortgage Servicing company shorted what was due back to me when I refinanced my mortgage. I wrote the company on XXXX XXXX, 2015 requesting a complete accounting of why they feel that what was paid to me was correct. As part of the requested documentation was a complete history of my escrow account as they are claiming that two full months of MIP were owed to them when a statement received from them showed that the XXXX MIP payment was taken out of my escrow account with my XXXX XXXX payment. The payoff was received by Green Tree via wire transfer on XXXX XXXX, 2015. At most, Green Tree is owed 1 month of MIP and they have withheld two full months of MIP from what was due back to me. In their response, they did not provide the requested documentation nor did they fully account for the monies they withheld from my escrow and prepaid interest refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I received an estimated escrow analysis from ditech on XXXX XXXX. I was informed that my monthly mortgage payment would raise {$200.00} to make up for a shortage in my escrow account. Ditech mistakenly had estimated that my property taxes would be paid twice a year and I only pay them once. This led to the " shortage '' and increase in my payment. I called immediately XXXX XXXX XXXX ) to correct the issue and was told that an updated escrow analysis would be completed fixing the mistake. My payments would not change according to the person I spoke to. I called again on XXXX XXXX and was told the issue was not resolved and my correct escrow analysis was never completed. I was also told I would be called back the next day when the issue had been taken care of. I called the next day and was told again that nothing had been done to correct the company 's error. I was then told that they needed 5 business days to fix the escrow analysis and I would be called back when it was finished. I was called on XXXX XXXX and told that the escrow analysis was completed on XXXX XXXX and mailed to me. I needed to call customer service to get the payment amount corrected. When I called customer service, I was told that the escrow analysis still had not been shown as completed and that they had until XXXX XXXX to complete it. I was also told that, at that point, it would be too late to fix my XXXX payment and I would just have to pay that amount. I called again today and was told again that nothing was shown as being adjusted on my account, but that they would request that someone from the tax department would call me tomorrow.

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 2015-09-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: WV

Complaint narrative:
Worked with a counselor found through XXXX ( from XXXX ). She was great. I explained that I had lost my job and that I wanted to see what I could do to not lose my home due to my loss of income. We spoke with Ditech, my mortgage company, and they suggested I fill out and send them XXXX things : a Request for Mortgage Assistance form and a XXXX. I did. Today I finally got through to someone to check on the status and was told that I was denied assistance because I was n't in danger of default. My unemployment income is half of what I was making, and I was barely making ends meet before losing my job. So now I have to file an appeal with more supporting documents, even though they could n't tell me what those documents might be. I 'm trying to get out in front of this thing BEFORE I miss a payment, but they seem only willing to help if I 'm already in trouble. I 've read about companies doing this sort of thing -- denying help until it 's too late, then stalling. I do n't want that to happen to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
Prosperity Bank made an error by letting charges get transferred back to my account after I went to great lengths to get my debit card canceled and blocked due to a home health care provider having access to my debit card when I was away from home and in the hospital and too sick to look after things at home, she used it to buy jewelry from a company known as XXXX. By promising not to file a police report I was able to get her to return the package she received. It had a packing slip of items and costs and I checked and all the jewelry was still in the package and small boxes not opened. I called the XXXX XXXX and told them that the jewelry was not ordered by me and they told me to return it registered receipt and a tracking number. They also said that Prosperity band had already charged back the items to them and that I should have credit for the items already. I told them that PROSPERITY BANK GAVE ME PROVISIONAL CREDIT ... ... ... .pending investigation ... ... ... ... When I was n\otified that the tracking showed the items had arrived and a signature receipt inctluded also, I took it to Prosperity Bank. They made copies of everything and told me they would be sure to make the provisional credit a permanent credit and the case was closed. Then today I was shocked to find that Prosperity Bank had let those charges post even though the debit card was canceled and the case was closed. I spoke with XXXX XXXX and they confirmed that they had received the items back and it was in error that they somehow got charged back to my Bank Account. They said that all my bank has to so is reverse the charges back to them. 
But Prosperity Bank refused to do anything ... ... saying ... ... .... '' There is nothing they can do, that I have to resolve it with the company who charged my account XXXX WITH A CANCELED DEBIT CARD THAT DOES NOT EXIST XXXX I am Filing a complaint with the Federal Trade Commission!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Today, XXXX/XXXX/16 I went on Ditech.com the company who services my loan to make a payment on line and received an error message on each attempt I made to make this payment on-line. The screen error is attached. I then called the XXXX number and was routed to the automatic payment by phone. I again was not able to make a payment by phone. At this point I was router to a customer service rep. the customer service rep. said she would process the payment and stated it would be a {$12.00} convenience fee. I said on the web it was {$10.00} and she then stated this is why it is not working on the web or on the automatic phone. At this point I had wasted XXXX minutes of my morning, I asked for the fee to be waived, she replied no. I asked to speak to a supervisor, they supervisor XXXX said she could not waive the fee either. I said fine I will pay the fee and I am filing a report with the CFPB, magically the fee was then waived. I am not sure if they broke any laws however it is making it difficult for consumers to make payments, based on the fact they offer an on-line payment and pat by phone and neither was working you would think out of common courtesy they would waive the fee until it was fixed, especially because the fees showing on the web and spoke on the phone are different from what they then tell you when you speak to a live person. Not to mention they also got statements out late which on their message when you call in and final XXXX out late as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
My mortgage was sold to Ditech Mortgage from Greentree which was sold from XXXX which was sold from XXXX and all before Ditech allowed bi-weekly payment only Ditech says they do not allow bi-weekly payment or allow me to sign up for auto pay. I had my bank send them funds Bi-weekly and had to call to have the funds changed to a payment every month. They took funds for the first two payment and then reversed that, and sent me to collections for the amount of the two payments. Unable to reach any one at customer service and unable to make an online payment with a Credit Card. The did not apply the bi-weekly payment to the principal on my account and I do not know where that money went. So by reversing those payments that were applied to my mortgage the last mortgage amount increased. I have never missed a payment and this is very disturbing that a mortgage company will practice these procedures to take advantage of the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
My mortgage servicing was transferred to Ditech from XXXX XX/XX/XXXX. I was due a 6th year Hamp incentive in XXXX XXXX of {$5000.00} plus a reamoritzation as part of a law passed last year. I 'm getting nowhere. Ditech has never responded to my numerous requests for this incentive to be applied. I lodged a complaint with XXXX XXXX and now the servicer told them that I was 90 days late XX/XX/XXXX and the treasury denied the incentive. It 's not true. I was given the {$1000.00} all 5 years. I have records to prove I was never 90 days late since my Hamp incentive was finalized in XX/XX/XXXX.

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