vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
My complaint is with GreenTree Servicing. I took out a mortgage with them in 2001 when I had a full time job. My interest level was 10 %. I no longer have a full time job. Over the years I have contacted them when my mortgage fell behind. There has never been much help just bandaids to the problem. I am now collecting Social Security benefits and do not work. I have attempted to get my interest rate ( 10 % ) lowered on numerous times but to no avail. The first time I applied for the MAKING HOMES AFFORDABLE PROGRAM, program I was told to submit the documentation and I did. I would get notices that I was missing documentation, etc. which was not true. If I called customer service to see where I was in the process I was told to contact the XXXX XXXX office. Finally after weeks I gave up and sent them a letter saying I was tired of it all and just gave up. Next time I attempted was about a year ago. Submitted everything, and never heard a word. Waited, Waited and Waited. Finally I called Green Tree 's XXXX number and spoke to someone who told me ( after I jumped through all the paperwork hoops ) that GREEN TREE did not participate in the program. So, another road block to get help with this mortgage. My mortgage was for 30 years. I still have 15 years left and I still owe almost as much as I started out with because of the outrageous interest rate. Are there any programs out there to help people in my situation? My loan payment is being eaten up by the interest and I do n't believe GREEN TREE treated me fairly when I tried over and over to get 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 2015-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
After receiving a summons for foreclosure in XX/XX/XXXX I completed the answers within 2 weeks of receiving the summons and had this turned in by the deadline date. I also sent in a request for a settlement conference to be scheduled within the provided deadline. Once that was completed my husband and I contacted the XXXX XXXX XXXX XXXX ( XXXX ) for additional assistance. While working with the XXXX they were able to help me complete my loss mitigation package which was provided to the lender and the lenders attorney on XX/XX/XXXX. Since XX/XX/XXXX I have not received anything in the writing from the lender regarding that package. A lady by the name of XXXX XXXX will call both myself and my husband during business hours when we are not available. My husband and I have both returned her calls and left voicemails of when is the best time to reach us and she will never call during these times. Every time we call her it goes straight to her voicemail, which we then leave a message letting her know when to contact us. The only thing we have received in writing since the loss mitigation package was completed are letters simply stating that XXXX XXXX is our point of contact. I have now been assigned an attorney ( XXXX XXXX ) through the XXXX who has confirmed that the settlement conference has not yet been scheduled and that written contact has not been made and he will now be an appearance on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
This complaint pertains to a previously made complaint case number : XXXX filed on XXXX XXXX, 2016. Today I have been trying to access the response on your website because the account has been disabled. During this past week I had a phone conversation with your office during which time they read the response offered by Ditech. I submitted an answer to their response on the following grounds : 1. their answer did address the money over and above my regular monthly payment which was paid over the course of approximately one year to reduce the principle. 2. my son, who has a XXXX became involved after multiple calls to Ditech to address our concerns was not satisfied. We were constantly shuffled around and told we would receive a call from a " supervisor ' that never happened. My son was able to procure an exel spreadsheet not shared with us before. My son and my wife both heard the ditch employee state that it looked like " the account numbers had been reworked numerous times and it did n't look normal ''. We are in possession of this exel document. There was {$7700.00} in " suspended balance '' that was never applied to the principal as intended. This amount suddenly disappeared in our most current statements. They answered that the money was reapplied to the principal. the principal on our statements has clearly not reflected this money. At the very least, they have forced us to pay interest on an inflated principal. Please note that if we are not addressing this with the correct department, we would appreciate a direction in which to go. Ditech will not meet with us because they say " they have done away with personal meetings ''. They have told us a supervisor would contact us in 6-10 days on at least 2 different occasions and now 6 weeks later, we are still waiting for the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I recently filed a complaint XX/XX/XXXX which we thought was resolved in a repayment plan, and a removal of the negative credit reporting all was good til XX/XX/XXXX when they reigned and put 11 past due payments on my credit report, and this from a supervisor who felt bad about what greentree did to me, well just goes to show you soon as you close a case they turn back to thee old ways. all agreements of the repayment plan are in my first cmplaint case # XXXX which i printed off your site also for just a occasion. I am also in touch with other agency 's regarding illegal transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
In XXXX or XXXX of XXXX 2015 my mortgage company, XXXX, informed me that Green Tree, now Ditech would be takingover my mortgage, letter stated payments prior to XXXXwere still to be made to XXXX. Payments made after XXXX of XXXX were to be paid to Green Tree/Ditech. In XX/XX/XXXXI started receiving statements from Green Tree/Ditech thatI was behind XXXX payments, I talked to an accountrepresentative and was told that it looked like XXXX and XXXXpayments had not been forwarded to Green Tree/Ditechfrom XXXX. Now it is almost XXXX, Green Tree/Ditech claim they do not have those payments. However, Green Tree/Ditech have received my XXXX paymentsmade out to them. They have been applying those pymtsback to XXXX which still makes it look like I am behindXXXX payments. I need this cleared up immediately. I can providecopies of the checks, signed certified return signature cardsand copies from the bank where those payments cleared the babank from 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 2015-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
XXXX XXXX, 2015 the XXXX area went through a flood for the fourth time in less than ten years. As the residence go through the rebuilding and repair process, we find out that you are not in good hands with XXXX or Greentree Servicing ( Ditech ). 
XXXX insurance company finally released the funds in complete to myself and the mortgage company Greentree Servicing ( Ditech ). The funds have been in the hands of the mortgage company since XXXX XXXX, 2015 and still has not paid anything out. 
XXXX initially promised a check to take care of emergencies now, i.e., to take care of the water heater, furnace, etc. That never happened. They informed me that they should be able to release a check within 7 - 10 business days. Once again it never happened. In good hands is a statement that XXXX should not be using. They did n't take care of any emergency funds. 
After three and a half months none of the repairs have been completed because no funds have been released. All the paperwork has been filed with Greentree ( Ditech ) since XX/XX/XXXX. The mortgage company has made my contractor fill out the same tax paperwork now five times and there is only XXXX possible ways to fill this out. 
Since the flood I have been boiling water to take a bath. As it starts to get colder out now, I 'm having to use space heaters to keep the place warm. I have now stopped paying my mortgage so that I can either move out of have the funds to fix what needs to be fixed. 
On XX/XX/2015, I was called an XXXX by one of the Greentree ( Ditech ) employees for not knowing how to manage my money. I am now getting hang up calls from these people. They call me every day telling me that I owe them, but they do n't want to hear that they owe me for the services that need to be done. 
At this point I am being driven away from my house. I am getting sick from lack of hot water, lack of possibility to get warm, and there is mold growing in the house causing me to cough uncontrollably. 
I have no other options at this point, but to move. My health is now a factor and no funds are coming. How do I possibly get out of this? How can they expect me to stay here with the house in this condition? How can I be getting harassed by this company that wo n't help it 's customers? 
I do n't know what else to do, but move. They have made it so hard on just fixing my house. I 'm completely exhausted. Everytime I call Greentree ( Ditech ) it is over an hour on the phone and if they do n't cut me off, I get treated like I 'm the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
My loan was purchased from XXXX to Green Tree. Since then, Green Tree made a terrible error with my escrow account. They tried to charge me with over {$2000.00} of homeowner 's insurance in my escrow, when I only pay {$590.00}. They tried to raise my monthly payment from {$500.00} per month to over {$680.00} per month. I contacted Green Tree to inform them of their error, but they refused to listen to me. I physically had my insurance agent on the phone to explain to the mortgage company that they NEVER received any recent correspondence from the insurance company as the policy was not due for a few months. THe mortgage company said they would check into it, but it would take up to 10 days to correct. I finally received word that there was an error, but yet, I still received a bill for the {$680.00} per the mortgage payment. The account is still showing past due - when I mailed a check ( I have NEVER been late on any payments in 13 years ). They miscalculated my escrow, and still are not doing anything about the problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Back in XXXX, when I was still in college, a letter was sent to my mother 's home address stating a company named LNV Funding had been had been awarded a civil suit against me in XXXX County Court, Indiana, on the grounds that I did not appear. I was never informed of any court date, was not living in XXXX County, Indiana, and to this date have no idea who LVNV Funding is, or why they think it is I owe them money. As such, I have not paid them. In this foul year of our lord XXXX, thirteen years later, I am now being harassed by XXXX XXXX XXXX, a law firm known for their unscrupulous behavior and slimy tactics. They have been doing so for a year now, and continue to send me letters inferring that they are filing a civil suit against me in my local county for a time-barred debt. They 've even gone so far as to provide fake XXXX County case numbers that do not exist in the XXXX XXXX XXXX records search. This is clearly against my rights under the FDCPA. Judging by the numerous complaints about this so-called legal firm, this is n't the first time they have done this. By providing fake civil suit numbers and feigning threat of a lawsuit, XXXX XXXX XXXX is bullying it 's victims by preimptively awarding itself " judgement '' ( they use that word frequently ) a priori. They falsely represent themselves as an authority of the court by invoking the County 's name throughout their letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
I had a condo in XXXX XXXX, MS. That was destroyed during XXXX XXXX in XXXX. Greentree Mortgage was my mortgage lender. I only have a slab left from the condo. I paid my mortgage for many years after the destruction. I tried to work with them to decrease my payment or extend my loan. They would do neither. I got a call from them that they were going to charge me an exorbitant amount of money for their " full coverage '' insurance to protect their " investment '' from fire, etc. I told the representative, that it was a slab, nothing was left, that a fire would only improve the property. I went through all the representatives and supervisors. They threatened to foreclose on the property. This went on for several months, with calling at all hours of the day and night, threatening, etc. Finally, I spoke with them and the company would not modify the loan and said they would foreclose. I gave them my contact information and they said they would start foreclosure proceedings. Move forward to XXXX, and I find out that I still own the property and they never foreclosed. I went to the XXXX mortgage office and my original mortgage it still there. Now they have " Reorganized '' and have this lawsuit against them. I found out that they Charged off my account, but never foreclosed, now the property is in limbo. Who has my mortgage now? Ridiculous company, charged me tons of fee 's from everything from paying your bill on their system to all these charges, Who can even tell what the real mortgage amount is with this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My mortgage had been in bad standing for several months due to some life changing event that included husband being laid off from work, martial separation, and daughter stating school. Green Tree had been contacting me extensively and I kept informing them of my issues at home. At one point I was 2 months behind and a person from Green Tree left a letter on my door asking for me to contact Green Tree. I then contacted them and was informed that I needed to submit a complete package of bills, paystubs, and letter informing them of my recent changed. I then called to follow up with Loss Mitigations and was informed that my case could not get reviewed until my account was current. I would ask for the Loss Mitigations phone number and was informed that they could not speak to me until my account was current. I then took a loan out in order to may my account current and not get forclosed as I was told by Green Tree and then called back once again to see about my Loss Mitigations case and was told that it was closed and could no longer be reviewed because my mortgage was current. A few months later I called back once again to see about reducing my finance rate and was asked to fax several documents. I had to pay a fax service {$30.00} just to send all of the information needed. I was then informed once again by Green Tree that I did not have any options available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
FCO contacted me in reference to a debt I do n't owe. I explained I am a victim of identity theft and supplied proof of the individuals sentenced to prison. Explained I do n't recognize the company and never had an account with such company. They stated they do n't have a time limit on how long it will take before they finish the investigation on their end to remove items from my credit report. I need this item removed from my reports.

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 2016-01-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Fortiva issued a credit card in my name to someone else and the account is delinquent. I contacted Furtive and to date they have taken no action, indicating over a week ago that they would send me an affidavit by mail to complete. My reports to XXXX show no activity to resolve false addresses and phone numbers used in addition to the false credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
[ Case number : XXXX ) This is, again, a complaint requarding the merger of XXXX and First National Bank. XXXX customers have not been able to access their accounts since Friday last. This is Tuesday at XXXX. We still ca n't get in online or by phone. Credit/Debet cards have been turned off. What are we to do now? Called branch and they are also down and ca n't even issue temporary cards. 

Notified CFPB yesterday -- still no response. Next call to Sen. XXXX, XXXX and Rep XXXX

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 non-monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I got a reverse mortgage in 2005 to pay off a previous reverse mortgage and get funds to help my granddaughter who had XXXX. 
I previously also had a property tax deferral through my state of Oregon. After the reverse mortgage was completed I reapplied to defer future property taxes. I pay my own property insurance. Something went wrong and the property deferral was delayed for two years and because of this the reverse mortgage company paid the delinquent taxes. 
After many calls from the reverse mortgage company ( Financial Freedom ) we agreed on a repayment plan of {$10.00} per month. That was deducted from my bank account for a number of years. The reverse mortgage company then claimed it was taking too long to pay off the balance and demanded more money per month. We agreed on {$25.00} per month. Then after a few more years they started calling demanding the full amount or they would foreclose on the house. I have received many threatening calls from the reverse mortgage company and possibly a collection agency company. 
We agreed on the {$25.00} per month so I am holding them to this agreement, but I am concerned they will start foreclosure on my home. 
I am low income, living on social security. I am XXXX years old. I need help to resolve this situation and stop the threatening calls which are stressing me out and causing XXXX problems. I have XXXX XXXX XXXX and do n't need additional stress. 
I would appreciate any help. 
thank you, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XX/XX/XXXX, l signed for Debt protection with PenFed Bank l was been billed almost {$55.00} a month, fast forward to XX/XX/XXXX, l lost my business and l need help with my debt protection pending getting back on my feet ; l was declined due to RED TAPE that internally created by PenFed to discourage folks from applying for debt protection, l was asked for numerous documents l submitted every single documents despite all this documents l was declined debt protection and l was told by one of the PenFed representatives that only DEAD PEOPLE qualified for debt protection, because l am still living l do not qualify ; l found this very offensive, l attached application form for debt protection ; this document clearly says in case of involuntary unemployment l am qualified, l paid over {$5000.00} for this protection now that l needed it l was denied for unreasonable reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief