vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ECMC GROUP, INC.
State: MI

Complaint narrative:
Social Security is allowing XXXX ( a collection agency ) to garnish my XXXX {$260.00} every month

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 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I signed up for Experian credit monitoring service. I had a score of XXXX on XXXX XXXX, 2016. When I logged in again on XXXX XXXX, 2016 just 6 days later, my score had dropped to XXXX a deficit of XXXX points ( XXXX-XXXX ). I have since called Experian over a dozen times to correct an obvious " glitch '' or what have you and they have failed to : assist, provide any feedback, and/or correct this! This is quite frankly ruining my life and future pursuits. Between XXXX XXXX and XXXX XXXX, there were no changes to any of my accounts to have prompted a XXXX points decrease. If anything, I continue to pay on my XXXX credit card account which should have prompted an increase NOT a decline. Whenever I call Experian, they apologize but are unwilling to help. I was given this ticket # : XXXX and was informed today that although my ticket was " escalated, '' it still has not been looked at. I am beyond livid and exhausted at this point. Each representative I have spoken with ( more than XXXX ) seems to not know what happened but are just so incompetent and unwilling to " go the extra mile '' to assist me with this.

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 2016-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Our current mortgage payment was increased from {$1600.00} to {$1900.00} within a 2 month period due to escrow. We have never had this level of increase. We informed the mortgage company that we could not sustain payment at this level and submitted a request for modification. In the meantime, my husband also lost his job and then was in the hospital. We updated the mortgage company, still requesting help/relief. This process began in XXXX 2016 and to date ( XXXX/XXXX/16 ) the mortgage company ( Greentree/Ditech ) continues to go back in forth with us requesting additional information, updated docs, etc. Their inefficient and careless handling of our request is causing unnecessary and undue stress. When the request was originally made, we were current with our payments and struggling to keep current. Now the payments are 3 months delinquent and we are facing foreclosure of our home of 21 years - the mortgage company continues to go back & forth with us. I will attach a specific listing of the progression of events with the mortgage company. Your assistance is greatly appreciated to favorably end this stressful 8 month request-process. Thank you. 
( MY MORTGAGE IS CURRENTLY A HOME EQUITY LOAN AND THUS WE HAVE EXPERIENCED PROBLEMS IN THE PAST WITH TRYING TO GET SOMEONE TO REFINANCE. WE WERE UNAWARE THAT THE MORTGAGE COMPANY AT THE TIME WE REFINANCED A FEW YEARS AGO, CHANGED OUR LOAN FROM A REGULAR MORTGAGE TO TOTALLY AN EQUITY LOAN. )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: DC

Complaint narrative:
Ditech ( formerly Greentree ) foreclosed on / charged off my XXXX mortgage loans without sending me any notifying paperwork. In fact, after multiple phone calls, they still ca n't find any record of paperwork of any kind about this. One loan, in fact, they 're still reporting as both charged off and owed on my credit report. I do n't know the difference between FHA mortgage and conventional mortgage, but I know with both a company is n't supposed to foreclose without sending paperwork confirming it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I was attempting to pay online my normal mortgage payment and the mortgage company Ditech Financial LLC which was formerly Greentree XXXX/XXXX/16. It would not accept my online payment. They have forced place insurance onto my account and will not even accept the normal payment I make monthly to meet their deadline for no late charge. I called on XXXX/XXXX/16 XXXX, to speak to a representative and asked to pay the normal amount and their answer was no and they said they spoke to a supervisor, who was unwilling to talk to me. They want me to pay the higher mortgage amount that includes the forced insurance payments. Then they will issue a refund at a later date. I have home insurance already and it can be cleared up by my insurance broker. I can not make the higher payment and when I am able to make the payment it will be late and they said they can not even go back to show that I am not late once everything is cleared up. 
I do n't understand why they can not accept the normal payment, even if a balance is still showing of the difference for the forced place insurance, they are still getting the money towards my mortgage if everything can be cleared with the fax of proof of my insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
I am contacting CFPB today because I tried to contact Green Tree Servicing customer service and XXXX attempt I was disconnected and XXXX call I could not get a reasonable intelligent answer to my questions. XX/XX/XXXX first off someone or something decided to send me a escrow surplus check, which created a negative escrow balance. Same time period someone recorded a escrow payment and then did a payment to hazard/fire insurance co. For the rest of the year the escrow account entered into a negative balance XXXX more times. In XX/XX/XXXX I get a escrow account disclosure statement stating I am negative {$830.00} which Green Tree opted to collect it over the next 18 months. Not only did Green Tree add a shortage payment of {$46.00} they increased my regular escrow payment by {$5.00}. I do not understand the logic of Green Tree servicing practices. Who or what issued the surplus check did not look at my trailing history or future obligations. Using Green Tree 's own explanation of escrow balance '' escrow represents monies collected and held by servicer for the future payment of taxes and insurance ''. It is clear that Green Tree did not look at total escrow account before issuing a surplus check. When I received the check I did think a red flag was necessary, by the definition of surplus '' something in remaining after all current and near future obligations are accounted for ''. My mortgage has has not been delinquent with either Green Tree or XXXX XXXX XXXX who sold the mortgage. As the consumer I do n't feel it is my job to XXXX check Green Tree 's figures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech has approved a mortgage modification for me, and I 'm grateful for that. However, they will not allow me to pay online, they will not accept my debit card over the phone, and they want to charge me {$12.00} to make a payment by phone. It 's the {$12.00} that I 'd like investigated. If they 'd let me pay on line ( free for all customers ) then the {$12.00} would not apply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I bought my property with an XXXX loan. My first loan was succesfully modified making my payment much more affordable. I applied for a loan modification on my XXXX mortgage in several ocassions but it was never approved. This loan was serviced by XXXX XXXX XXXX, and In XXXX of 2015 I received a 1099-C tax form canceling such debt. I properly reported this cancellation of debt in my 2015 Tax return. A few months later I was contacted by Green Tree Servicing LLC, informing they just took over the servgicing of such loan. I was advised by a Housing Counselor to report the incidents since this can be related to a phantom debt scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I complaining to the services of you good office to kindly help me resolve the predatory, nature surrounding getting the help I need for a loan modification with ditech, LLC. And returning to me my mortgage payments made to them. Ddetech, LLC informed me that they were legally in charged and have taken over my mortgage. Among the statements mailed to me, the statements dated XXXX/XXXX/2016 ( {$29000.00} and {$30000.00} respectively - including a letter to pay my own owner Insurance that is mortgage inclusive but not limited to XXXX conformation letter completed the Hope Modification I have asked for. to date I need answers to support my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ECMC GROUP, INC.
State: MS

Complaint narrative:
I was contacted by Premiere Credit about removing my Wage Garnishment from a defaulted student loan. I wanted this removed so I could start paying back the student loan without further damaging my credit, so I agreed to a XXXX program that had me pay a set amount each month on time to remove the debt. I was told that after the XXXX month had been paid, I was to contact them to remove the auto-payments from my account and discuss how I would start to pay directly to my loans and remove my wage garnishment. 

I have tried to contact them for a couple weeks now, but each time I call their number and try to speak with a person, it says that their lines are too busy and I should leave a message for them to call me back. I have done this a XXXX times as well as e-mailed them and still no one has contacted me a XXXX later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
I am currently unemployed and having trouble keeping up with my XXXX mortgage payment with Ditech home mortgage. They know this. I have told them several times that I am trying to get them the money I owe them. I have been able to avoid foreclosure through family members. I get collections calls from them telling me that they know the house is vacant and are taking steps to take the house, and they know that I am still living at the address Now my relatives are getting calls telling them that I have a package and need to call a certain number to receive the package. I have check the internet on Ditech mortgage have found several negative remarks, and complaints about them. The loan was originally with XXXX mortgage company and sold to Green tree mortgage and sold to Ditech. 
I did not receive a new service letter from either green tree and Ditech. Which I believe is a violation. I worked in the XXXX fro fourteen years and I remember having to send letters of new servicing to customers I also AVE STRONG SUSPICIONS THAT THEY ARE INVOLVED IN PREDATOR LENDING PRACTICES. 


Thank you, XXXX XXXX DI TECH mortgage XXXX XXXX XXXX, SD XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: GMA Investments, LLC
State: MO

Complaint narrative:
I spoke with representative XXXX XXXX at Summit Receivables and he was very unprofessional. I called 2 weeks XX/XX/XXXX to stop all payments on my account. He was very aggressive and demanding. He kept telling me to provide my checking account and routing numbers. He said he 'll remove all payments. On XX/XX/XXXX a payment for {$37.00} was processed in which it should n't have. It was n't even an original pay fate that I set up. I contacted the company on Monday XX/XX/XXXX and explained I would like a verbal cease and desist and informed I 'll send in a written notice as well. I understand that I owe a debt and responsible for repayment. I was willing to pay off at payments that were within my budget. They did n't understand and wanted to dictate terms. If I was able to do the bigger payments I would have done that before the account charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: HI

Complaint narrative:
We are a month late with Ditech ( fka : greentree servicing ) and we have been getting harassing phone calls from their supervisor XXXX and other staff on a daily basis. We have never been late in paying our mortgage and this is the first time. My husband was XXXX. As we reside in Hawaii, the cost to get him there with a minimum of a month of lodging and other living expenses we could not pay the mortgage. The XXXX stated that he will be XXXX for a year or longer after treatment, thus I began the loan modification as there will be no income to support all of the expenses. Ditech has been calling and harassing me, in particular their supervisor " XXXX '' on a daily basis for the past two weeks. I have explained my situation and they acknowledged receipt of the loan modification documents, but still they keep calling every day! XXXX and the other Ditech staff are very rude, uncaring and very demanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Creditors' Protection Service, Inc.
State: IL

Complaint narrative:
I have bills on my credit report I have nothing to do with.

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 2015-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Green Tree Servicing bought out our XXXX mortgage. Since then they have been out of compliance with our original mortgage with XXXX. We pay our mortgage on a bi-weekly basis. The extra half payment that occurs twice a year is not being applied to the principle balance they also are withholding escrow payments from these payment. These payment should be immediately applied to the principle and not left in their unapplied funds account, additionally, no escrow should be withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Debt Recovery Solutions, LLC
State: NJ

Complaint narrative:
On XXXX/XXXX/15 I received via your website a letter from Debt Recovery Solutions that they were going to remove the Trade Lines from all XXXX credit bureaus. That has yet to be done instead. Debt Recovery has validated the accounts with all Credit Bureau 's XXXX separate occasions which has hit my credit score tremendously. They have verified that this was a new Collection account on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 on XXXX, XXXX and XXXX XXXX. Also on XXXX/XXXX/2015 they again verified the account is valid and it had hit my credit score again. This negative invalid trade line was suppose to be removed as of XXXX/XXXX/15. Now why are they doing the direct opposite of what they are suppose to be doing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
we are currently delinquent on our mortgage and have a sale date of XXXX/XXXX/XXXX, we have tried numerous times to get help from ditech but no one is helping. I have turned in all the documents they have requested several different times. I was laid off in XXXX and have not been able to find work since. my wife is very ill and has mini strokes occasionally since XXXX the co borrower is a sole provider and the only contributor right now to the household while he is on a fixed income it has made it very tough on him this year and we are scared we will lose our home. Please help us save our home!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
Our mortgage was sold to Green Tree XX/XX/XXXX, which recently merged/rebranded with ditech. On XX/XX/XXXX I received a phone call from a gentleman at ditech informing me that I owe {$27.00}. I asked how and why as I have made the same payment for months now. He indicated that the escrow account had been recalculated and increased. I asked him to send a copy of the escrow statement, as I do n't have any notification of a recalculation, and once received I would pay it. I have one letter indicating that the mortgage rate would increase and that there was a new amount, which I have been paying on time each month since. After that letter was received, it seems the escrow account was recalculated, but I never received any notification of such or what the new payment should be, thus a {$27.00} differential. When we initially set up our account online with Green Tree, I elected to be a paperless account. They then proceeded to send mail to my address, which was returned by the Post Office. This triggered them to deactivate our online account, meaning they will not upload monthly statements or any documents to our online account any longer. I called back to the Customer Support line on XX/XX/XXXX to request all past statements from XX/XX/XXXX to current. I was told they can not send copies of monthly statements because they do n't have them. They went on to say if they were mailed and the mail was returned there is nothing to post to the online account, thus they have nothing on file. Of course, I elected to be a paperless account so nothing should be mailed to me. XX/XX/XXXX, I was informed that monthly statements are a courtesy only and that they are not required to produce them. It is interesting that I receive weekly refinance solicitations from ditech, however no monthly statements can be produced and posted to our online account. I have to wonder if once you elect to be a paperless account, they purposefully mail you advertisements and if they are returned they cease communications of all monthly statements/escrow reports which can put a homeowner in jeopardy financially. This lacks a great deal of transparency. 
*Mailing address was changed XX/XX/XXXX and should not be the same as property address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My mortgage company Ditech began charging me a late payment charge last month that they had not previously charged. I rely on my monthly Social Security payment to pay my monthly mortgage, and I do not receive my Social Security payment of {$2500.00} until the third Wednesday of each month which means I do not pay my mortgage payment of {$1300.00} until after the XXXX of each month. Last month they harassed me with about seven phone calls, and I finally answered and told the woman to quit harassing me because I could not pay before I received my Social Security. This month, Ditech decided to begin charging me a {$26.00} late fee monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Green Tree ServicingI several times had to go online and schedule a payment only to call back and ask to cancel that transaction They refused to cancel saying they could not cancel and would send it through and cause me to be overdrawn in my acct and pay overdraft fees for a few months. They also were very rude stating that Greentree has helped me, I was upset, and she told me " dont play this XXXX on me '' ... I have never encountered anyone so rude

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