vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
A payoff check was received by GreenTree on XXXX/XXXX/15. Not sure how Greentree applied the funds but the customer service rep explained that the interest should be over {$600.00} and the payoff date should be XXXX XXXX. Should n't Greentree payoff the loan upon receipt of the funds and not wait for XX/XX/XXXX and incurr more interest. I have attached a statement showing the loan balance as of XXXX XXXX, 2015 along with the rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech began mis-applying my twice monthly payments as principal-only and showing my monthly payment as unpaid, accruing late fees. They accepted and properly posted these payments in XX/XX/XXXX and XX/XX/XXXX but inexplicably began posting these as principal-only in XX/XX/XXXX. They have since applied late fees and despite three calls to customer service over the past week, have not corrected the error. I am also receiving robocalls from Ditech every weeknight telling me to call Ditech but without any ability to talk to a live customer service agent. These calls are placed after their customer service hours, so I have to wait until the following day to contact them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
In XX/XX/XXXX purchased a house in XXXX XXXX with using my VA home loan, came down on orders to change duty stations in XX/XX/XXXX to XXXX XXXX XXXX. In XX/XX/XXXX my mortgage was with XXXX XXXX XXXX, I called to do a loan modification, the person I was speaking with told me " dont make another mortgage payment till you got all the paperwork that i am sending you '', so I stopped making payments. I waited ten days never received any paper work, so I called back told the person I was speaking with what was going on, that person also told me to dont make payment till I received paper work, I never received any paper work. Ever since than I was giving the round around, by than I was so far behind on payments that I could not catch up to bring my loan current. After a few years go by mortgage was sold to many different mortgage companies, then ended up in collections, now I owe {$400000.00} to bring my loan current at the end my VA loan turned to a conventional 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 2016-03-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Green Tree servicing, now known as ditech. Fail to honor agreement with XXXX XXXX XXXX for loan modification. 
After many months of faild communication with this loan servicer I 'm facing imminent foreclosure. To This Day DITECH refuses lto provide any assistance. The documents sent for loan modification always disappear and they request to start the process over and over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
I spoke with Ditech Financial customer service in XX/XX/XXXX and XX/XX/2016. At the time of my second call at the end of XX/XX/XXXX I was told that I was in the beginning stages of a loan modification review and I asked specifically if I needed to continue making payments between XX/XX/XXXX and the first payment date of XX/XX/2016 for my XXXX trial payments. 
The customer service rep told me that no, I did not need to make additional payments before starting the trial payments because those would be rolled into my new modified loan amount and everything would be brought back to current after the modification was completed in their review system. 

I followed the lender 's advice and did not make my XX/XX/XXXX and XX/XX/XXXX payments as I was told I could, but now I show multiple delinquencies on an account that was currently NEVER even 30 days late. I was lied to and that misinformation has ruined my mortgage history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
GreenTree Mortgage LLC offered me a Mortgage Modification Trial Period Plan ; however, their offer was dated XXXX/XXXX/14 and I received it on XXXX/XXXX/14, the same date the XXXX payment was due. Their envelope was not postmarked so I could not confirm the date they actually mailed it. Because I could not confirm the date they mailed it and I received it so late, I could not trust their offer was legitimate and therefore I did not make the XXXX payment due XXXX/XXXX/14 which is the same date I received their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
On XXXX XXXX,2015 I had a house fire in XXXX room of the existing house contain to XXXX room of the house not the mobile home that is mortgaged to Greentree. 
The insurance company paid off the fire but the check was made out to myself and Green Tree I was told to send the check for their endorsement in doing so they kept the check requesting different documents after submitting everything I thought they asked for they have yet to send me anything to complete the repairs with. I had a friend helping me with the repairs but he got a job and had too stop so I have done the job myself with donations and love offerings for family and friends and have explained this to them, now they want the contractor number and all sorts of things but have not release any of the funds. They did send back the money I paid the guy for helping and the little I paid for the supplies I was able to buy but, nothing since then I have tried on several occasions to speak with someone from the claims dept. when they 're not being rude they put me on hold then hang up and wo n't answer the phone anymore

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Trying to avoid foreclosure-Servicing rights transfered to Green Tree LLC byXXXX Bank. Not eligible for Harp or Hamp I am told- What would really help is '' Mortgage Debt Reduction '' with new 40 year terms and 2 % interest which couldmake modification payments reasonable and manageable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation
State: TN

Complaint narrative:
When unable to pay I 'm automatically threatened. I 've been threatened that my account would go to the attorney, I 've been told that my account WAS already sent to the attorney, but then they resume calls the next day, so they 're lying. Not only lying, but calling my employer private and calling my cell number private as well & I 've even answered their private calls. I do this kind of work daily so I know what you can and ca n't do, which is why the cfpb was put into effect, to keep consumers from being taken advantage of! They call more than 3 times a day blocked. Which they can not do. All together I 'm upset with this financial corporation. There is a such thing as collecting without threatening your customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
Unfortunately, I am writing to you again about Ditech. They have failed to correct my account. In fact, they sent us a large envelope with papers stating we are behind on our mortgage along with some hardship documentation. I have been paying our mortgage religiously every two weeks. Moreover, I have attached documentation to prove it. Furthermore, they stopped posting our payments on their site. The payment history from Ditech is showing our last payment to them was on XXXX XXXX, 2016. However, I just made a payment toward our XXXX payment on XXXX XXXX, 2016. I still need them to correct our account. We are not late on any payments. I attached the bank statement showing we have already paid half of our mortgage payment for XXXX, on XXXX XXXX, 2016. Can someone help us, please? The last customer service representative I spoke with told me Ditech had up to XXXX XXXX, 2016 to correct our account. Today is XXXX XXXX, 2016, the account is still incorrect. You will also see how the monthly statements are changing. Why is so hard for them to correct our account? I am so tired of dealing with these people. They are crooks. Help!!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
On XXXX XXXX, XXXX, I refinanced a loan originally held by Green Tree Servicing LLC., with XXXX. XXXX sent XXXX separate payoffs checks to Green Tree. XXXX was on XXXX XXXX and XXXX was on XXXX XXXX, XXXX. The loan was never processed by Green Tree and I continued to receive bills. I contacted Greentree on XXXX XXXX, and advised them of the issue through a three way call with a XXXX rep. The rep for Green Tree ( XXXX ) was provided the routing and bank information where the disbursement was sent to. Ironically, I settled XXXX additional loans through XXXX with Green Tree and there were no issues. XXXX indicated the funds were there but had to be verified. By XX/XX/XXXX the issue had not been resolved. I contacted Green Tree several more times and no one was willing/able to help me. I also spoke with XXXX ( manager ) who indicated the disbursement was allocated to a different loan and would have to be transferred to the loan in question. Of course, nothing was done and on XXXX XXXX, I spoke with a rep for Green Tree who was actually helpful. She indicated I had a suspended credit disbursement, but the payoff still did n't appear. She attempted to reach XXXX, but to no avail. Today, XXXX XXXX, I received XXXX identical letters from Green Tree indicating that they were looking into the issue. Technically, I have XXXX loans for XXXX home and am still being contacted by Greentree for payment. An additional concern is whether my credit will be affected. According to XXXX, the disbursement checks were cashed by Green Tree on or about XXXX XXXX. 

Green Tree is a terrible company who has poor customer sevice. They make ridiculous mistakes and do nothing to rectify the situation. At this point, I believe they are intentionally affecting this process. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I believe that I have been unfairly reported as having 30 days past due payment. Ditech failed to apply my payment to my account because my escrow amount was increased by {$34.00} and my payment did n't reflect the new amount. They did not make an attempt to contact me to correct the matter until the end of the month. I have never made a late payment and they would not work with me at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I have my loan with Ditech. My monthly payment is {$1000.00}, I pay {$810.00} every two weeks for a total amount of {$1600.00}. Every month I get a phone call from Ditech saying that my payment is late or there is a shortage on my payment. Also, they keep charging me for late fees {$41.00}. Every time I call Ditech they say everything has been corrected and all the late fees had been removed. That is not true. I dont know what else to do. This is so frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
GREEN TREEXXXX XXXX, SDXXXX ( XXXX ) XXXXXXXXThey are stating that I had an auto loan with them back in 2006. I have never had any loans or dealings with Green Tree. I do n't even know who they are to be honest. How can I get this taken care of?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
XXXX : Requesting an accurate Payoff amount for XXXX XXXX CA XXXX from Ditech Financial. 
Ditech Account # XXXX XXXX. The loan was sold to Ditech Financial by XXXX and title transferred on XX/XX/2016 DItech is claiming I did not make payments after XX/XX/2016, and I did make all payments until XX/XX/2016. I proved this to them by providing bank statements showing an automatic withdrawal or a debit card transaction that took place each month. Because of this, they will not accept my mortgage payments since XX/XX/2016 and have sent several letters stating I am in default and am pending foreclosure. I can not get acknowledgement from the supervisor I spoke to that they received the bank statements that prooved the payments were made and that the matter is cleared up. The only info I have on him is this : XXXX the number is : XXXX ( this goes to an operator, not directly to XXXX ) The account number is : XXXX Ditech Financial LLC XXXX. XXXX, SD XXXX. I have an accepted offer for the sale of my home. I am trying to get the payoff amount from Ditech. Every page of the Ditech website has a different amount, as well as every document they send me via mail. ( See attached files. ) 3. Once a payoff is provided by Ditech, I need reassurance that the loan will be cleared, and that this would not effect either the buyer or myself in the future. 
Please see attached files. 
1. payoff quote from Ditech XXXX 2. XX/XX/2016 mortgage statement from DItech ( the most recent I can get off the website ) 3. Recent letter received from Ditech regarding mortgage status. 
4. XXXX Account status as of XX/XX/2016 5. Loan History from XXXX 's website XX/XX/2016 Additional information : you may refer to the previous case I had opened with XXXX, for XXXX years I worked with them over a clerical error they made where they withdrew funds from my account and considered me in default because of their error. This was finally resolved as of XX/XX/2016 and payments were made according to the resolution agreement, yet when the loan was sold to Ditech, Ditech did not get all the information. This has been over 3 years of incredible time consuming work that was forced upon me and I decided to sell the home so I could be done with all this situation, however, how I need a payoff and am getting different amounts from each source at Ditech. I would like them to honor the payoff amount on their website, however, I do not want them to come back later stating it was not paid. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
I filed a Chapter XXXX Bankruptcy on XXXX XXXX, 2005, in XXXX Tennessee, XXXX XXXX, case no. XXXX. At the time, XXXX XXXX XXXX was the mortgage company for my house, and this loan was sold to XXXX XXXX XXXX. I have paid the note in a timely manner since the filing of the bankruptcy over ten years ago. The current mortgage company, Green Tree Servicing , LLC, as servicer for XXXX, will not report my timely payments to the credit bureaus, which is prohibiting me from being able to get credit for my faithful payment of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 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: RI

Complaint narrative:
XXXX cable/phone/internet had a billing error for XXXX form XX/XX/2013. When I pulled credit report I noticed contacted XXXX and they removed from all Credit Reporting agencies and stated billing error on their side. I checked the reports and all entries were removed. Several months later I received a letter from Collection : Debt Recovery Solutions for the same amount. I explained the background and faxed them the receipt of the return equipment to XXXX. The rep advised ( XXXX ) they would remove the account from their files. This week notices the Collections has been placed on my Credit report. I called XXXX and they could find NO records of any Past due, Collections under my name or any address. How can Debt Recovery Solutions report a debt that XXXX states I have none and I sent them proof of 2013 return of equipment

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 2016-01-11 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Tormey Bewley Corporation
State: NM

Complaint narrative:
Violated HIPPA Laws disclosed private medical information

Company response to consumer: Closed
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NH

Complaint narrative:
I have been having some trouble with my mortgage company for the past six months or so. 
My mortgage company used to be Greentree, and then it was sold to Ditech in the XX/XX/2016. 
I continued to make our monthly mortgage payments, and began receiving calls from Ditech in XXXX of 2016 telling me that my account was behind because they had n't received an XXXX payment from me. I made my XXXX payment and checked my bank statements to confirm that Ditech had cashed my check, and they did. 
I submitted my bank statement to prove that we made our XXXX payment, and they told me that they did n't allocate our payment to our account because they switched their software in order to absorb all Greentree mortgages into their computer system, and said that they have been having issues because of the software switch. 
Ditech verbally confirms that they received my XXXX payment, and cashed my check for that payment. 
Ditech continues to call me and send statements in the mail indicating that I am delinquent in my payments due to this " missing '' XXXX payment. Ditech has also added late fees onto the amount that they are saying is past due. 
When I call Ditech, they tell me that they are " taking care of this and will fix it '', but the calls and mailed statements from them indicate that in their system, I am still delinquent. 
The " late payment '' showed up on my credit report, and luckily, after disputing this with a credit bureau, they took it off my credit report, but my credit rating has dropped because of this. 
It has been 6 months, and Ditech has n't resolved this issue yet. I continue to receive phone calls and mail from Ditech indicating that they need me to pay that " missing '' XXXX 2016 payment. 
I am not sure how to proceed at this point.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
We fell behind in our mortgage and have been trying to get caught up with the mortgage. We will call and set up a payment plan with the company, and then they send back our payment as we agreed upon. This is the XXXX time they have done this. We have the manager recorded with our verbal agreement and now we have gotten a XXXX check for a payment and a half to get caught up as agreed upon mailed back to us and NOW they are requiring us to send them certified funds, which has never been required before and we have NEVER bounced a check with them. I have called and requested to speak directly with the same supervisor, XXXX from the South Dakota office. She has not returned my call as of yet. This process has gotten very frustrating and they are creating more and more late fees by continually mailing back our payments in an attempt to reach our goal of getting the mortgage caught up. The right hand does n't know what the left hand is doing and they are in breach of their own verbal agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation