vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have been victimized by my mortgage lender and as a result I am now facing foreclosure. I purchased my home in XXXX and was misled by the people at XXXX who talked me into a mortgage loan with an introductory interest rate of 9 % that would eventually adjust up and could go as high as 15.62 %. When it came time to adjust my payment went up almost {$400.00} a month but somehow I was able to hang on. I paid that outrageously high amount of interest for 6 years and eventually it was too much and I applied for a modification. I was grateful that I received a modification and my rate was lowered to 2 % in XXXX. I paid as agreed on this for over 2 years. 

However, my loan is now with DiTech and I am facing foreclosure. I work as an XXXX and I ran into some issues a couple of years ago with the company I was working for and I had to switch to a different company. As a result of this change, I lost out on a lot of income and was struggling financially. I missed my mortgage payments for a couple of months while I got back on my feet. I reached out to DiTech to make a payment and to see what could be done to get everything sorted out. I was shocked when they refused to accept my mortgage payment. I was even more shocked when they told me that they would not be able to offer or even consider any type of modification or repayment plan or anything because I already had a " good rate ''. They stated the only way I could fix this was to reinstate the entire delinquent amount, which was not possible at that time. However, I was only three months behind at that time and DiTech could have easily put me into some type of forbearance agreement or repayment plan instead of shutting the door on me. They also could have put the late payments back into the balance of the loan and just increased the term or something. Instead they refused to consider any options, refused to look at my current financial circumstances and decided to serve as judge, jury and executioner and move me straight into foreclosure. 

I know that the government programs allow consideration for a second modification if something bad happens to the homeowner. But DiTech is completely shutting the door on me. They merged with Greentree Mortgage and I know that this company received XXXX of dollars in bailout funds. After making all of this money from me with an outrageously high interest rate for so many years one would think DiTech would at least give me the time of day and the opportunity to resolve this matter. Instead they have harshly turned their back on me and I want to file a formal complaint against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2015, I deposited a cashiers check ( {$33000.00} ) with Green Tree 's bank ( XXXX ) to pay off my Green Tree mortgage. As instructed by Green Tree, the cashiers check had my name and mortgage account number in the memo section so they would know which mortgage account to credit. I confirmed that the check was deposited to the Green tree bank account ( # XXXX ) I checked a few weeks later since I had n't gotten any loan pay off papers. Green Tree said they had gotten nothing. I obtained a copy ( front and back ) of the cashed Cashiers check and sent it to them. They looked at this and admit it looks like they got the money, however they ca n't find where it went. They are now " researching ''.. It has been more than a week of researching and almost three weeks that they have had my money and they do n't know where it is nor will they credit my account.. 
Meanwhile, they show a payment is due for XXXX XXXX. I asked that they change this since in fact, I owed them nothing. Of course they could n't do that. Instead they said " Oh we wo n't report this as late for 30 days ''. Like they can be trusted. 
At this point, I have no faith they will " find '' my money and I will likely have to hire an attorney to get my $ {$.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Greentree has failed to respond to a qualified written request for several months. They have failed and refused ( and continue to do so ) to process my automatic monthly debits form my checking account, resulting in fees and costs for XXXX late fees as a result of their error and last-minute " speedway '' fees, which upon information and belief contributes profit to Greentree 's bottom line. During the call, Greentree makes false statements including that " free options, such as our monthly automatic payment '' are available. I have signed up for the same and Greentree has not initiated withdrawals pursuant to my instructions despite my explicit instructions to do so at least ten times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Ditech Financial LLC
State: IL

Complaint narrative:
XXXX, XXXX & XXXX, XXXX, XXXX, XXXX AND NOW DITECT IS TRYING TO COLLECT A DEBT NOT MINE.

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: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I monitor my credit report weekly and I have discovered that this is the *XXXX* time that Debt Recovery Solutions , LLC has placed this {$80.00} debt on my credit report. Thus, the debt mysteriously appeared on my credit report without given a 30 day notice to dispute the debt. Thus, this is the XXXX time that this debt collector violated my consumer rights under the FCRA. 

In addition, I have already disputed this debt back in XX/XX/XXXX and Debt Recovery Solutions , LLC removed the debt from my credit report because they could not validate it. Yet ... here they are again ... trying to damage my credit without validation 10 months later. 

Hence, I need proof that I owe this debt. Please show me a copy of the " written agreement '' that created my original requirement to pay? 

Furthermore, I would like to add that I have already contacted XXXX ( the original debtor ) on XX/XX/XXXX at XXXX and they could find no such debt. I spent about XXXX minutes on the phone with XXXX exploring this supposed debt. XXXX indicates that I own them nothing and that all accounts were paid in full with them. 

In addition, just to make sure that I did not owe this debt, I took the risk of giving XXXX my full social security number ( which should never be done ) so that they could do a thorough search to assure that I did not owe them a debt. Thus, XXXX indicated that they did not even know what Debt Recovery Solutions was talking about. 

I have had quite enough of this!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
My former mortgage company was bought out by Ditech effective XXXX, 2016. I called Ditech to set up automatic withdrawals on the XXXX of each month. XX/XX/XXXX and XX/XX/XXXX, both withdrawals were n't taken until the latter part of the month. Somehow Ditech applied the XX/XX/XXXX payment towards the principal only, claiming I made two payments in XX/XX/XXXX. Not! XX/XX/XXXX, I cancelled the automatic withdrawals, and made an electronic payment online. Ditech claims they never received my XXXX payment. They even withdrew my capability to make an electronic payment after that. I filed a dispute with Ditech on XXXX XXXX, and attached my XX/XX/XXXX checking account statement, indicating Ditech 's withdrawal in my statement. I wrote a personal check for XX/XX/XXXX and XX/XX/XXXX 's mortgage payment. The XX/XX/XXXX payment was acknowledged, and I am awaiting the XX/XX/XXXX acknowledgement. In the meantime, my stellar credit score went down XXXX points! Ditech strips you of your dignity and intelligence. It is my hope that I receive more than a rote automated response from Ditech. How can they NOT take responsibility for their errors, when the evidence is clearly there? My next step is to contact an attorney and see that Ditech does not continue to thwart their responsibilities as a reputable loaner. This is just the beginning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
We refinanced our home in XXXX of 2015. We took the mortgage out and Ditech Financial LLC turned out to be the loan servicing company ( Originally it was Green Tree but they were bought by Ditech XXXX. Our loan paperwork says our mortgage is set up to put taxes into an escrow account and the money is included with our payment each month. On XXXX XXXX, I called ditech regarding my taxes not being paid. The person I spoke with said my account was not set up for tax payments. I told him I have a copy of my mortgage saying I should be. He said he would submit a " Research Request '' and that it would take 14 business days. 
I called back on XXXX XXXX around XXXX and was informed it had not been the full 14 business days and I should call back tomorrow - even though there were only a few short hours until the end of their business days. 

I called back on XXXX XXXX and spoke with XXXX in the tax department. She indicated there was n't anything in the notes regarding the results of the research request. I told her this was unacceptable, as it 's been two full weeks and my taxes are still not paid. I waited on hold for close to an hour, hoping to speak with a supervisor. Apparently there was n't a supervisor available. XXXX said she spoke with someone from Customer Service regarding my account and that they indicated my account was not set up for tax escrow. XXXX told me she would submit an " Escalation Request '' for me but that escalations can take up to 3 business days. She told me a supervisor would be calling me back within the three business days. 
I never received a phone call, so on the fourth business day XXXX XXXX XXXX ) I called back and spoke with XXXX again. After waiting on hold for more than 30 minutes for a supervisor, one could not be found for me to speak to. XXXX then completed a XXXX way conference call between her, XXXX the customer service representative and me. XXXX also confirmed my account is not set up to escrow taxes. XXXX provided me with the following directions : Fax a copy of the pages of my mortgage where it states my taxes should be paid via escrow to both customer service and the tax departmentProvide a cover letter giving my name, account #, Block and lot numbers, an explanation that my taxes are not listed on the escrow line and the request to have my taxes paid. 
I sent the cover letter and requested information to XXXX fax numbers on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. 
XXXX indicated it could take up to 5 business days to correct the issue. I will call back on XXXX XXXX. 
After daily calls to Ditech Financial LLC the issue is still not resolved.

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 2015-07-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
Green Tree Servicing LLC, has issued a summons for Lawsuit, Pettion for Writ of Replevin and Complaint for Money Due. 
I have been Unemployed for XXXX months past due. I have reciently found Part time work at XXXX. I will now be able to make payments. I have made approximetely XXXX monthly payments of XXXX out of XXXX scheduled. 
I have tried to reach Plaintif for Loss Mitigation Package but there has been no responce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
The company in collections has not contacted me at all and has not answered our returned my calls. I want to pay this and get it off my report but they have been completely unresponsive

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
This company XXXX has been trying to collect XXXX for a phone bill that I had in XXXXthat I do n't owe. I have been trying to dispute for years and its being reported on my credit report I would like to be able to have this removed and I have information stating I do n't have a balance.

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 2015-04-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
In XX/XX/XXXX our auto loan from XXXX was sold to Greentree. The original loan agreement included insurance for loss of income and we were paying additional fees to have this coverage. Upon the loss of income this past XX/XX/XXXX we contacted Greentree and they informed us that we did n't have coverage. After review of the contract agreement from Greentree they indicated that the insurance was in fact still in effect because it was included with the monthly payment and they informed us to contact XXXX of XXXX carriers for our insurance claim. XXXX XXXX XXXX and XXXX XXXX company. Upon contacting each insurance company, they indicated we were not covered as of XX/XX/XXXX because premiums were not paid. As we have tried to continue with the payment despite the loss of income to Greentree we continue to pay the premium for insurance of which we do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
XXXX/XXXX/XXXX Reference Ditech # XXXX Old account # XXXX A notification was sent to me on around XX/XX/XXXX. explaining that my escrow account was under funded by {$460.00} and that the shortage would be collected over twelve months if I did not make payment prior to the 30 days of the time the notice was sent out. I made the payment within the timeline requested, But Ditch continues to charge and collect that fee divided by twelve months of {$38.00} I disagree with calculations about my escrow account being underfunded. Because I was issued a check last year because it was over funded. 
On or around XXXX XXXX I wrote requesting an explanation of why my mortgage payment was increased. I have a fix rate mortgage and the cost of my homeowners insurance and real estate tax bill have not increased. 
Ditech sent a follow up letter on XXXX XXXX. XXXX stating that my inquiries are being reviewed and a written response would follow in 30days. A second letter was sent on XXXX XXXX XXXX stating that there is an ongoing investigation in an effort to resolve the issue of overpayment of mortgage fees and in accurate escrow calculations. 
A third letter was sent on XXXX XXXX, XXXX explaining my right to cancel PMI. This letter and information does not apply to me. I met the requirements to have my PMI canceled in XXXX at which time it was cancelled. So my mortgage does not include a ( PMI ). I am not sure if this letter is an effort to justify why my mortgage payment was increased. 
Addditonaaly, My billing statement for the month of XXXX XXXX included a fee of {$4.00} that is unexplained. 
I have made numerous attempts to inquire about the over charges that have continued since XXXX XXXX with customer service via phone at Ditech. Each time they refuse to give me any information about my account. I was informed that the account has a notation that customer service is not to talk to me. 
I make a payment of {$800.00} dollars monthly for my mortgage payment that was {$700.00} prior to Ditech adding additional fees to my mortgage making it now be XXXX. The additional funds from the {$800.00} was to be applied to my principle {$97.00}. The overage in fees changes and interferes with pay down of my mortgage because the correct amount is not being credited to the principle. 
Thirty days has passed and Ditech not offered any resolution to my complaint. And again I can not get anyone to discuss the matter over the phone. 
I want all the extra monies that was not appropriated correctly to the principle of mortgage to be credited to accurately. I want the {$4.00} charge that is not explained to be credited to m principle. I want the extra fees that are being collected for escrow account to be excluded from my mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
Our mortgage was paid off on XXXX XXXX, 2016 with Ditech. On XXXX XXXX, 2016 our payment amount was automatically withheld, and we received a notification that the refund would be processed within 20 days. The refund still has not been processed and each representative that I have spoken with since XXXX XXXX has provided a different story. XXXX representatives, XXXX stories. Today I was told that the money is escrow. A second re on the same day said the check was released on XXXX XXXX.

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 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I refinanced my condo in XXXX XXXX. When I refinanced, I had to show proof of hazard insurance XXXX home insurance ). I did that, that 's how I got to closing with the loan. When the escrow account rebalanced in XXXX, somehow, they forced their hazard insurance into my escrow account ( now mind you, I pay out of my own pocket for home insurance every year ). I called to complain about it, and it took several months to resolve. Once resolved in XXXX, there was an overpayment applied to my principal ( the overage was the insurance payment ). When my escrow rebalanced in XXXX, they did the same exact thing. I have complained to them several times. They have even done another escrow analysis and this time, they are charging me too much for my taxes. My taxes were {$1100.00} last year, this year they were reduced to {$1000.00} XXXX for some reason, the bank gave me the run around about how they were still assessing my escrow at the XXXX taxes XXXX. I informed them that my taxes had gone down, and it took me another XXXX phone calls to get it resolved. During this process, my mortgage payment should be less than {$1000.00}. Because of their inability to perform simple tasks, my mortgage payment were {$1000.00} for 2 months, then {$1000.00}. This is unacceptable that I have to pay for their lack of doing their jobs. I am now in the process of cancelling my escrow account, but I have been jerked around with this process also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
Two issues:1- I download and reconcile the data from this account daily and payoff the balance by electronic transfer from a XXXX checking account ; despite the balance being deducted from my XXXX Account , it takes days for Chase to credit my credit card account. 
2. Despite the process listed above ; even when my own account, updated daily, and showing now balance due, Chase shows a balance due and charges me interest on the alleged " balance ''. 
Chase Bank is using fraudulent accounting practices and deliberately delaying processing accounts in a fair manner in order to increase fees and profits

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I recently completed a Chapter XXXX Bankruptcy and paid my mortgage and arrears through my Chapter XXXX Plan. My Trustee filed a notice of mortgage cure and has given me payment records that indicate my principal balance should be significantly lower. My loan started with XXXX XXXX XXXX and was then transferred to Greentree and now is with Ditech. No one seems to be able to give me a complete account history so that I can have a XXXX audit my loan file from its inception which is XXXX of 2001.

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