vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
3 years ago I was unemployed and could n't continue paying my mortgage. I asked the bank for assistance at the time it was Green Tree. They approved me for a loan modification in XXXX 2015. I gave my bank information for all three trial period payments to be automatically withdrawn. I was told to call back XX/XX/2015 if I had n't received the final loan modification agreement. I called and instead of a final loan modification agreement I was notified that they had n't processed any of the payments and my case had been closed. They did internal investigation and determined it had been a mistake on their side and told me to submit the application again. The bank then became Ditech and everything was a disaster after that. I got a letter dated XXXX XXXX, 2015 stating they had a complete package and the file was under review awaiting a decision. 2 weeks later I called to find out why it was taking so long to make a decision, to my horror I was told that my property had been sold on XXXX XXXX, 2015 and that for that reason they had to close the loan modification case. I was NEVER notified of any foreclosure proceedings and EVEN LESS of any sale date. I have called so many times and keep being transferred from department to department and no one can explain how the property was sold without them knowing or notifying me. On XXXX XXXX I called again and was told from now on I need to contact Fannie Mae instead. I did and was told they will start an investigation but representative basically told me to just ask the listing agent they have assigned to my property to beg her for cash for keys. I do n't want to do that. I have been trying for years to reach an agreement with the bank so I can bring my loan up to date and keep being denied even though I know for a fact I qualify for a loan modification. Please help me. I do n't know what else to do. They just refuse to help me and XXXX knows I did not default on my loan because of negligence on my part. I am a father and my children will be homeless in this cold winter if they refuse to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
We have a mortgage loan with DiTech that was originally with Green Tree. We were in Bankruptcy chapter XXXX for 5 years but made payments to Green Tree and DiTech on our Home Loan. During the five years we never defaulted or closed this loan but Ditech is reporting that the loan is closed on our credit reports. Our bankruptcy was discharged and completed in XXXX XXXX and Ditech will not take us off bankruptcy and continues to report us wrong on our credit reports. I have contacted Ditech at least 13 times over the last years requesting that they take us out of bankruptcy status and report our loan correctly. I have sent them online emails and over the phone and every time they continue to tell me it is under review and will take XXXX or so days to audit.. This has happened for the entire year of XXXX and I can not get them to take the Bankruptcy off our account and report us fairly. Every time I call I get sent directly to their bankruptcy department. Their reporting us to wrong on our credit reports has caused us trouble in getting new loans for home improvement job to replace our XXXX through the XXXX program because DiTech is reporting we had a default and loan closed when we never had an interruption in our loan. After a year of trying to get them to report my loan correctly I have no other means but to try and file this complaint. I am attaching the three times I tried using there messaging system to contact them.. The other ten times was over the phone throughout the year. I have read many complaints about this company and feel they are trying to hold my loan hostage in reporting correctly to credit reports which is having a negative effect on my score.

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 2016-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
In XXXX XXXX, I refinanced my mortgage for the unit I have been living in located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MA. At the time, my mortgage servicing company, Ditech Inc., overpaid my property taxes to the city of XXXX by {$580.00}. Now, the city says that they can not return the over-payment unless Ditech contacts them. Since then, I have contacted Ditech XXXX times they promised to follow-up on that. However, as of XXXX/XXXX/XXXX, according to XXXX XXXX XXXX XXXX Collector 's office, nobody has contacted the city regarding this issue.

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 2015-04-20 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Green tree has been harrassing me. They call 10x day, called my husband, my mother, my aunt. Green tree has called my business and has disclosed my personal financial information to employees. Green Tree has been abusive in its communications, threatening me and using profanity. I have asked Green Tree to stop calling me and they refused. I am stressed and embarrassed and do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Received letter for my mother, who is now XXXX and XXXX, that CapitalOne360 had an account in her name about to be turned over to the State of New Jersey. I am Power of Attorney and have sent Capital One the forms and notarized signature, authorizing me to assume control. My problem is that CapitalOne says I need to talk to the Security Team before I am authorized. Am happy to do this, but they do not answer their phone, they do not call me back. Contacted a manager, XXXX, in Customer Service, and he said he would try to connect me to them. But to no avail. Been on hold with him for 15 minutes now. He finally came back and said he can not get hold of his Security team now to talk with me. I made XXXX simple requests : The Security Team call me and for them to mail an account statement to my mother at her address on record. XXXX basically said he could not guarantee either. Just that he would " make the request ''. I give up. I can not spend an inordinate amount of time while CapitalOne holds the account hostage. Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
On XXXX/XXXX/2012, I sold my home via a cash sale. At the time Green Tree Servicing LLC ( XXXX XXXX XXXX was the mortgage holder ) discharged my mortgage after the sale was properly sold. The amount discharged was {$53000.00}, ( A XXXX Form was issued by Green Tree Servicing ). My credit report since 2012 reflected the cash sale with no amount outstanding or in arrears. Now comes Ditech Financial LLC from XXXX XXXX, SD and placed a balance of {$52000.00} on my credit report showing the amount is in arrears. It appears that Ditech Financial LLC bought the accounts from Green Tree Servicing or joing together. I became aware of this situation through my XXXX credit monitoring service, provided to Federal Employees. I want Ditech Financial to erase the amount it placed on my credit report, ASAP. This is damaging my credit now. Green Tree never placed the amount charged off as an amount in arrears.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I just received a phone call from Ditech mortgage stating that my payment has changed. It had been increase for over $ 250+ since XXXX of 2015. They admit they did n't send a letter stating the increase, they explained to me that this was not required. Now I am behind and need to come up with {$1500.00} to come current and pay the new {$1600.00} mortgage payment. This was an increase of 1 % last year and then another 1 % this year without notification of any kind. I explained to them that notification was never received at our residence for this mortgage increase, they explained that they did not have to send a payment increase notification. It had increased 18 months prior and the payments that were made by me were current every month, but short since the payment has increased. 18 months later we get call stating the payment has increase to {$1600.00} and we are behind an additional {$1500.00}. This was the first call we received from anyone at Ditech or Greentree ( the previous lien holder ) on any thing to do with my mortgage. They were very forceful and abrasive with their tactics of revenue recovery. 

Ditech XXXX, AZ Office supervisor XXXX XXXX

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 2015-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Green Tree Servicing LLCXXXX XXXX XXXX SD XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct. No. XXXXMy loan was transferred ( sold? ) to Green Tree on XXXX XXXX, and since that time I have had nothing but problems with Green Tree ... the main problem is that XXXX did not apply, or did not notify Gree Tree, of my XXXX XXXX payment ... XXXX XXXX XXXX has been involved and helping me with trying to work this out, but Green Tree seems to be totally unwilling ... 

I have sent XXXX my payment records to XXXX for the past year, which shows I DID NOT MISS ONE MONTH OF PAYMENTS and also SENT ADDITIONAL FUNDS SEVERAL TIMES DURING THE YEAR ... .I am attaching this once again. 

I am upset that my loan was sold and I now have to work with this company who is totally unwilling to do anything but demand XXXX PAYMENTS. I have told all of your reps my husband passed away 3 years ago, my income was cut in half, and I have only missed XXXX payment in those three years, and that was the month after he died, when his employer wiped out my checking account. 

I am willing to hire an attorney to help protect my home ... but do not see the need to. This is truly so frustrating. Please please have someone contact me. 

Sincerely, XXXX XXXX XXXX XXXXthis is a summary of my complaint with XXXX Tree..this is the most unbelievably frustrating situation, and they are not willing to help me, only threatening my credit and home..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
Ditech is the current XXXX mortgage holder after it was with Greentree after being at XXXX XXXX. For one I recently filed bankruptcy and the company wanted me to reaffirm the debt, but after reading paperwork they sent the courts the were unsure of my original interest rate and my initial request for modification with green tree disappeared. Then on the paperwork they stated that the loan was able to be discharged, and collateral did not secure the loan. I would like them to remove the lien and the loan because when I call back, the supervisor advised me that was an error by who processed it and just because they sent to federal bankruptcy court did not count. I feel this is fraudulent and they are deceitful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
I would like any late payments reported to the credit bureaus removed immediately. After struggling since XXXX 2015 to get my {$5000.00} HAMP incentive credited and my payment amount corrected to what it should be I reject the possibility I was ever late. You have been over charging me for the past year plus so there is no way I could be late on something that was incorrectly being over charged. If I owe you XXXX apples and you are billing me monthly for XXXX how can it be due? In addition I want all late charges removed from this account unless you can explain how they have been charged. This loan has been sold 4 times and when I pressed XXXX in XXXX 2015 they then sold the loan rather than correct the issue. I have been harmed financially and emotionally and I want this corrected immediately. It 's not my fault that the mortgage companies that have managed this loan ca n't count.

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 2017-02-21 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
An amount of {$310.00} was previously disputed in XXXX 2016 with XXXX. XXXX deleted the account from my credit report and stopped collections. I transferred my XXXX phone account to my wife 's account so there was no money due. I recently noticed a collection account was placed onto my credit bureau files without my knowledge and without every receiving a letter from the debt collector in order to give me ample time to dispute the validity of the debt. They just placed it onto my credit without first attempting to communicate with me via mail. It is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
Living in the area of XXXX that flooded, our home took on over 3 feet of water. We lost everything as we also had sewage backup into the house. Due to the large amount of devastation in our area and the fact that we had to vacate the home it took awhile to get our insurance company to inspect the damage. Once we received a check from them we sent the check to Ditech our Mortgage company. Since we are capable of doing the repairs ourselves we asked them to return the overage of approximately {$35000.00} to us. They received the check ( overnight mail ) on XX/XX/XXXX with a letter asking for them to pay off the account. 
I was told on one of the calls that it would take about XXXX working days for this to be done. As of today, 3 weeks later, nothing has been done with the check. I have called numerous times and each time I am given the run around with no real resolution although the people I talk to want to assure me they are doing the best they can. Today I was told the pay off check will be mailed from XXXX to their pay off center in XXXX. tomorrow. 
Why was n't this done 3 weeks ago? If it takes them another 30 days to release funds to us ( which they inform us is possible ) that means we will be out of our home for over 4 months before we can begin repairs so that we can even move back in. The least I expect out of any company is to meet the needs of the customers especially in situations such as what the majority of our neighbors are dealing with. The fact that they have had the check for 3 weeks and nothing has moved forward with it is beyond excuse! We are in great need of a quicker resolution which Ditech does not seem to understand the urgency of our situation. We currently have XXXX people, XXXX adults and XXXX children living in a XXXX bedroom, XXXX bath apartment as this was the only living situation we could find. 
We would greatly appreciate help in getting a quicker resolution to this. Ditech being very vague in giving us a time frame of anything less then 30 days is not helping the mental frame of XXXX lives. 
If you need more information I will gladly assist. 
XXXX and XXXX XXXX, XXXX XXXX XXXX

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: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Within the last two weeks, I asked for a loan from my credit union and discovered that my credit score had dropped due to an account charge off at Kohls. I was unaware that I had an account at Kohls as I do not recall asking for XXXX or signing to open XXXX. Additionally, I never received any communication from Kohls indicating to me that I had an account open or that a balance existed. There has been no mail received by me from Kohls at my address. I do not know who did this or what apparently was purchased under this account that has resulted in a charge off on my credit report. I kindly ask for some assistance in this matter to resolve this matter and get answers to who established the account and why did I not get account notifications mailed to me. If I would have received notification of the account, I would have taken action much sooner to find out who established the account and get this matter resolved rather than going to my credit union and finding out I have a charge off account at Kohls. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC
State: KY

Complaint narrative:
Continued calls after I verified I am not the XXXX XXXX that owes Ditech Financial LLC, formerly Greentree Financial Services, nor am I affiliated with XXXX XXXX or any property at XXXX XXXX, Ky. There have been calls daily up until after XXXX and throughout the day on my cell which I use for my business. There are multiple numbers in which the calls come from out of Texas, but the number in which to return the calls remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Innovis
State: NV

Complaint narrative:
I contacted Innovis Consumer Assistance on XXXX/XXXX/15 at XXXX/XXXX, PA XXXX Calling the XXXX number above. The automated system does not allow you any way whatsoever to verify if they have your correct address, since they ask only for ZIP CODE & front numeric part of address. Their XXXX number provided an unintelligible confirmation number, and you are not allowed to verify the correctness of the address they have on file, nor can you speak with a human at all, meaning my " free '' credit report will go wherever to whomever BECAUSE they have XXXX QUALITY ASSURANCE MEASURES in place. Innovis should be barred from doing business UNTIL they can assure the privacy of personal information!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
They called my neighbors  and call late and harrased me ,said i need to goto worktold them i was sick.etc

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Each year Ditech pays my FLOOD insurance from my escrow. My FLOOD is paid by ME personally each year ( from inception of flood policy ) & has NEVER been a part of my mortgage. My Flood ins refunds me MY annual payment & I repay it BACK TO mortage escrow. My escrow does n't show I paid it & DiTech wants to raise my monthly mortgage payment & pay " shortage '' + when they were NEVER AUTORIZED to pay my flood insurance. I AM " NOT REQUIRED '' TO CARRY FLOOD INS. IN MY AREA. I call, I write, I email, I fax, to NO AVAIL for a response to my issue & get them to stop paying my flood insurance. This goes on for months, I pay the shortage ( s ) & monthly payments STILL GO UP. THIS IS AN ANNUAL EVENT almost from inception.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AAA Collections
State: SD

Complaint narrative:
XXXX collection agencies collecting the same debt. Collection agency refused to take partial 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 2015-07-23 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Reporting as open and late payments. This account was charge off by original creditor. This violates FDCPA 15 USC 1692 XXXX ( 2 ) a, ( 8 ), ( 10 ) and 1692f. by using deceptive reporting to attempt to collect a debt and negative influence creditors that are looking at my credit. I already file a dispute with all XXXX major credit bureau. 
The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation