vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
my name is XXXX my husband and I for the past three year went through some XXXX XX/XX/XXXX-XX/XX/XXXX. however are trying to cleared up our debt. our mortgage loan is through XXXX XXXX XXXX. but was originally through XXXX XXXX. now we were told our loan servicer is Green-tree now it is Ditech. we are trying to modified our home. for the past three years we have send document to XXXX XXXX XXXX, green tree and was told they never got them they gave us mailing address we send document 3-6 times they did not receive but never return to us then faxed multiple time still having problem. we had to hired a lawyer. and we had a mediation they told send profit and loss and we would get option within 30 days that never happen. originally back about 6-8 years we have a income loss and needed modification. we did not pay our mortgage for about 3-months we were send document to modified our loan. during that time we send whatever money we could. our loan was turned over to XXXX XXXX XXXX from country wide. I was not sure if we were ever modified. went I call to get help when we first got sick we were told no. after we went into default. they called and we ask if we were ever modified they said no and we are qualified for modification which never happen. now they are saying we did get HAMP modification. I know we had to sign some document for bank as our new servicer. but still not sure of what happen. nothing is ever straight. we are asking for help in this matter we would greatly appreciate it thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Green Tree Loan Servicing unable to accurately account for our mortgage payments being made on time. Incorrectly reporting XXXX late payments this year when they were made within the established grace period. I can order my cancelled checks proving that. However, the loan history from their website I downloaded and attached here. 

Extremely difficult company to work with, and very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Called outside of 8am-9pm
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Ditech calls all times of the day and night the representative is rude and disorderly. The supervisor is never available and the person who is representing me is rude and nasty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
My fianc and I our recently refinanced our mortgage. We are both 100 % owners of the home. We both signed all of the paperwork together. We are both 100 % liable for payment of the loan. 

The new loan was immediately transferred to Green Tree for servicing. However, for whatever reason, only one our names is showing up in the Green Tree system. Green Tree personnel refuse to talk - or even deal with - the other person on the grounds that they are not authorized on this account. 

We 've taken steps to try to correct this error and get both our names into the Green Tree system. We 've made phone calls, sent them written statements, and even faxed over supporting documentation such as the Promissory Note, the Deed of Trust, the HUD-1 which clearly shows the loan should be in both our names. 

To date, we 've received no respond at all from Green Tree on this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech financial recently purchased my home loan. Since then, they regularly misapply my principal prepayments to future interest or future payments. This practice is in direct contravention of my loan terms which expressly state that " the NoteHolder will use my Prepayments to reduce the amount of Principal that I owe under this note. '' Ditech has not followed these loan terms, and instead continues to apply my prepayments to future interest and future payments, resulting in my loan balance not decreasing as fast it otherwise would, and more accrued interest than otherwise would occur. I have complained to Ditech three times about their misapplication of my payments. The first time I complained they fixed the problem without admitting any fault. They have completely ignored my second and third complaints. Thus, I am writing to you in the hopes that you will be able to get their attention. I am also considering legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Meade & Associates, Inc.
State: NC

Complaint narrative:
I was contacted by a female from Meade and Associates on XXXX/XXXX/2015 in regards to a balance owed to XXXX in the amount of {$150.00}. I spoke to a lady who inquired about a payment she stated that agreed to make in XXXX. I never stated a firm payment date with this company and stated that I 'll will make a payment on the website sometime in XXXX. A definite date was never supplied nor confirmed to the company. The female proceeded to insist that I agreed to make a payment on a specific date in XXXX and began arguing with me. During the conversation, she stated that if I do n't make the payment today, I would be sued and would have to go to night court. This company has not provided the proper documentation notifying me of a possible lawsuit if the debt is not paid. I have yet to receive any such notice nor a notice from Meade and Associates of the current balance owed or the alleged payment arrangement. The female stated that I last spoke with them on XXXX/XXXX/2015. It 's now XXXX/XXXX/2015!!! Now, I being threatened with a lawsuit for {$150.00}? The level of hostility the female expressed was unnecessary for the amount of the debt. Especially, when I initiated the contact to learn how I can resolve the debt. If I did n't want to pay off the debt, I never would 've contacted them in the first place in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
On XX/XX/2016 Ditech , my current mortgage company, processed my payment that was Due on XX/XX/2016 for {$1000.00}. The check had been written for {$1400.00} in the number box but on the written line I inadvertently written in XXXX XXXX XXXX XXXX XXXX XXXX. Ditech then informed via telephone that I was overdue on my XXXX payment on XXXX XXXX. I checked on my credit union web site and saw ditech had processed my check and recieved payment for the XXXX payment on XXXX XXXX. It was then that it was discovered that Ditech processed the payment for the amount written in the line.The Ditech customer service Representative claimed that Ditech processes checks for the amount written on the line not what is in the numerical box. I was directed to submit a check for {$400.00}, which I did, and that check was processed on XXXX XXXX. I had also sent my for XXXX 2016 the same day without a remittance coupon because Ditech did n't send out on because they were showing non payment for XXXX. The XXXX payment check was Processed on XXXX XXXX, 2016. Ditech then called XX/XX/XXXX asking if I was going to send a payment for XXXX. While I was on the phone with Ditech I checked with my credit union and the XXXX payment had been paid on XXXX XXXX. The Ditech Customer service representative said there was nothing they could do and I needed to send payment. At this point I requested a supervisor and gotten transferred to XXXX at ext XXXX and have only had her working on getting my account straight. On XXXX XXXX I submitted a check for the XXXX payment with absolute scribble written in the amount line and the correct amount written in the numerical box. My credit union processed that check after Ditech took it upon themselves to print in {$1400.00} on the written line and process that check in direct violaton of what I was told several timesof thier policy. I have been trying to get my account properly credited with Ditech through the customer service center to no avail I need help getting this mess straightened out before Ditech processes me for 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 2016-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Do to financial Hardship I fell behind on my house payments, always trying to pay something. My alleged loan, has already been sold in to the secondary market and is now morphed in to a security. This Company called DITECH is just the servicer to some unknown mortgaged backed Trust with no orders from said Trustee. The problem started when DITECH raised the monthy mortgage payment by {$360.00} in an escrow account causing an undue financial hardship on me. I am in a position now catch up pay up to bring the account current, but I can not pay the {$360.00} per month extra. I pay the property tax and insurance separately. I have faxed them a letter explaining my position and request, which they denied. This is conversion and a felony. The alleged Loan # XXXX. DITECH is not the holder in due coarse of my note and has offered no evidence they are acting on behalf of the trust that does.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have a HAMP loan w/Ditech that was sold to them by XXXX. I recently discovered they broke the contract by adjusting my mortgage up 5 months before time. According to the HAMP contact my payments and rates are set. Well, Ditect are sending me mail and calling me stating I am behind onmy mortgage, but I am not. They stated the rate increased was effective XX/XX/XXXX, but if they would have looked at the contract the payment effective day for the increase is XXXX/XXXX/2016. My payments accordint to the contract is {$1600.00}, and my property tax is about {$520.00} a month which is routhly arount {$2200.00}, which is what I sent them ; however when they got me confused I requested help for hardship because they said my payments would be closer to {$22000.00}. Well, I am on Social Security XXXX and get a small retirement check, so I asked for assistance, but when I saw the preditor loan offer I changed my mind. They offered me a deal to save {$70.00} a month, but I would pay an addition {$40000.00} over the life of the loan. Next they said they would file a loss ligation claim, but sent me a bunch of forms to complete that has nothing to do with loss ligation. I would also like to point out before I forget that they sent me an addition bill for my property overage close to {$900.00}, and I paid it so it would not affect my payments. These people are harrassing me. I have not missed or been late on a payment. XXXX sold my loan to this horror place because I asked for help ; however, I did not miss a payment with them and was not late on my first or 2nd at the time. Please help me, the DOJ and XXXX really need to check out this company, something is n't right. My loan number on this loan is # XXXX ; however, they state leave off the # XXXX. When you see the statement all the number 's I typed are on their. ( I have additional documents I can fax to you if you need them to verifty my allegiations )

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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
My house is being foreclosed on by a mortgage servicer ( Green Tree Servicing LLC ). 
The mortgage was dismissed in my chapter XXXX bankruptcy. 
They are saying that they have a security deed for the property. Also in my state of Georgia a servicer can not foreclose. My sale day is XXXX/XXXX/2015. 


i

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AAA Collections
State: SD

Complaint narrative:
We sent a dispute letter on XXXX XXXX, XXXX questioning the SOL of a judgement from XXXX XXXX and how they got a judgement without proof of a debt. XXXX XXXX they filed to renew the time barred judgement and on XXXX XXXX they attached my husband 's bank acct. and withdrew {$610.00}. We have numerous reasons to vacate the judgement in the first place and of AAA Collections in XXXX XXXX, SD violating the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: American Credit Adjusters
State: IL

Complaint narrative:
I continuously get calls from a " XXXX XXXX '' with some collection service called " ACA. '' He calls my work phone number and threatens that something serious will happen if I do n't return his phone call. The number he leaves is XXXX. 

He harasses my human resources department as well. I need these illegal calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I believe the debt collecting company has inflated this bill. Also I believe their client has added charges by balance billing. 
I have disputed the bill and have requested an itemized statement- with dates of service, medical codes of all fees for service and a documentation of me consenting to the original amount due. 

I was told they could not supply the information. Prior to my call today, they did mail a very evasive statement- which was not detailed. Just an amount and a date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
XXXX/XXXX/2016 I contacted the Ditech Mortgage to find out where to send a check from the insurance company due to a fire claim. The representative told me to send it to a XXXX Illinois address. It was received on XXXX/XXXX/2016 at XXXX XXXX by XXXX XXXX. On XXXX/XXXX/2016 I contacted Ditech to make sure the check was received and the rep told me yes, but it went to the wrong address. The rep assured that it will be okay but claims will need to forward the check to the claims department to be processed. On XXXX/XXXX/2016 I contacted Ditech again because my account on the internet did not reflect any activity. Again I was told by a rep and management that the check will be posted on that day. After checking my account on the internet again on XXXX/XXXX/2016 with no activity I contacted Ditech to be told that it will take 7 to 10 business days to process by claims department and then sent back to payoff on XXXX/XXXX/2016. to be processed and check should be mailed the following week. On XXXX/XXXX/2016 checked the internet no activity contacted Ditech and to sum it up every call I got a different answer and empty promises. I continued to check the internet to find no activity so I contacted the XXXX which is a subsidiary of Ditech LLC. I spoke with XXXX XXXX and he referred to upper management on XXXX/XXXX/2016 XXXX XXXX Ext XXXX. XXXX stated the payoff was expedited and we show paid in full on XXXX/XXXX/2016 and I confirmed paid in full. However, XXXX stated if it showed paid in full he will expedite and contact me on Monday XXXX/XXXX/2016. On Monday I spoke with XXXX and customer service in reference to the payoff being incorrect. Instead of back dating the date of receipt it was dated as of XXXX/XXXX/2016. XXXX which upper management for compaints stated that he will look into it and call back and I have not heard back from him until this date. The company will try to tell you that I have cease and desist on my account. However, I had given XXXX permission to contact me in reference to receiving funds. I asked been asked to send letters and i have complied and now I am told that I have 30 days of posted payoff. My family and I have been through enough with the house fire and waiting on the insurance company to pay for the loss of my home. This is undo stress on myself and family. Please take this message as a sense of urgency due to my family and I not having home. I have lost bids on several homes due to not having sufficient funds to pay for a new home. Please see attached documents and audio to document my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I had paid off this account on XXXX XXXX 2015 to Green Tree Servicing in the amount of {$120000.00}, as the proceeds were wired to them by the closing attorney. I have asked them to send me the exact posting information, as how much was posted to the principal, interest, escrow and what kind of fees were charged. Instead Green tree field a Foreclosure against me in the XXXX, SC on XXXX XXXX 2015 ( which was later dismissed after i became aware of it and sent their attorney an email ) Until today, Green Tree has failed to provide me with any detailed information. The only letter I have received says that there was a check sent to me on XXXX XXXX, 2015 ( This is XXXX 2015, not XXXX 2015 ) in the amount of {$1700.00}. When I call their customer service, they give me run around and treat m every rudely.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: MO

Complaint narrative:
In XXXX of 2011, I lost service from XXXX XXXX for over 3 weeks. During that time, no technicians could come to properly investigate why none of my services were working. When the technician arrived, he told me that the issue lies within another technician disconnecting my services and using my line to work for another household. He rectified the problem, and I let XXXX know that I had XXXX services from them for that time and would need a prorated amount. I paid the XXXX $ that they owed, and paid the next months bill. They continued to try and charge me full price for the 3 weeks without service. 

Skip ahead 2 years, I had XXXX XXXX again in the XXXX market for 2 more years with no issues, but then they attempted to send my account to collections even though i was a current customer!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I am one of many customers of Ditech mortgage company that toke the money from the mortgage and report that they never received. On XX/XX/XXXX after refinance the home with Ditech I send my first payment of {$2200.00} trough my bank on bill pay to make sure everything was OK. On XXXX XXXX the collection department call me at work and say that they never received the payment and that I need pay immediately if I do n't want any late payment on my credit. They also told me that my Bank had the money. I pay my payment immediately and call my bank to make sure they release the money. After hours on the phone with the bank and 3 way call with ditech we finally realize that Ditech apply the payment to a different account that was not my and never fix the problem. My bank release the document to them on XXXX XXXX that state and confirm that Ditech had this money apply to a different account and that should reimburse the money back to me. After almost every day call and spoke with multiple supervisor and XXXX they told me that will process the refund on XXXX XXXX and should take 3 to 5 business day to get the money back to my bank account. Today is the 6 business day and not money when back to my account on not one call me back for update on my account status. This is the worse customer service I had and I am upset that they have my mortgage for many years. Their excuse was that they change the system and all the account got changed. I received XXXX bills from Ditech on my address with XXXX different account numbers. How a financial institution can make such a mess and do n't fixed in time so customer do n't need pay the expense. Collection department now call me at work for my next payment when they own me one. I will continue to escalate this matter and follow all the process. I also record all the conversation with them to make sure that I have everything on file. I want my money back before I pay the next payment and should give me interest because they hold my money for 36 days.

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