vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a student loan with Navient. I had some XXXX loans in XX/XX/2010 which Navient took over. I consolidated the loans to help with lower payments. Navient said that one loan was XXXX but it was a private loan. and I could not consolidate it. It is in the amount of {$19000.00}. plus. I offered a down payment of XXXX if they could make the payment at {$100.00} a month. 
They want XXXX down payment. I am supporting my Grandmother who has been ill and out of work. The house went into foreclosure and I had to help save our home. I am just starting a full time job but I need some time to get caught up. I ca n't take out another loan as I ca n't afford another payment. Navient is threatening garnishment of my wages which I ca n't afford. They have hard to deal with always. They did n't tell me the other loans had been paid off when they were and they have n't explained what this private loan ( which is a XXXX loan ) is and they have locked me out of any internet interaction with them..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I, XXXX XXXX XXXX, am a customer of Green Tree Servicing with account number XXXX. On XXXX XXXX, 2015, l summited the letter to request the Green Tree Servicing to initiate PMI automatic termination because of my outstanding payment history, currently on loan payments ; and my principle mortgage balance reached 77.9 % of the original value of the property. The Green Tree Servicing denied my request based on the principle balance is XXXX scheduled ( XXXX/XXXX/2015, not payment actually made XXXX to reach 78 % the original value

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I have been trying to complete a deed in lieu of foreclosure for over a year, Greentree servicing has been giving me the run around regarding the XXXX mortgage saying that I need to pay off the XXXX before we can proceed with the DIL. I told the rep that my XXXX mortgage was also with them ( Greentree ). The rep insisted that the XXXX mortgage was not with them even after I had told her that I received phone calls from them regarding the XXXX. This went on for months until finally I spoke to a rep who was able to find the XXXX. She said the XXXX mortgage was listed as ( closed ) which is the reason why they could n't locate it. So now I 'm talking to my account manager XXXX and she says she needs to get an override from her manager to proceed and I never heard back from her after numerous calls and the property is now in foreclosure, this is completely unacceptable and unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Mortgage Loan payments are not posted to my account. My account is paid up to date and I contineously receive notifications and harrassing phone calls. Correspondence reference my husband who was reported deceased. Veteran documentation was provided. Billing statements reflect PMI charges against my account. Recently received escrow overage. Check was sent with my deceased husband 's name. The check was canceled and a ticket was entered to reissue the check in my name. It has been over a month and the check has never been reissued. This type of treatment is unacceptable. I take extreme measures to make sure my monthly mortgage payments are provided and I get harassed with phone calls asking for my deceased husband. This issue was also reported to XXXX, because my husband was a XXXX XXXX with XXXX XXXX. I have made more than several attempts to get this matter resolved with Ditch LLC ; Loan Servicer and I continue to get told lies. My Loan still has my husband 's name reflecting on the bills. This treatment has caused undue XXXX, XXXX and agony. Please resolve this matter immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 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: Ditech Financial LLC
State: FL

Complaint narrative:
XXXX held a XXXX mortgage on our home, release the lien and sold the debt when the home went into foreclosure by the XXXX mortgage holder. XXXX then sold the debt to Green Tree Financial, which I now know are, aka XXXX XXXX XXXX XXXX XXXX, aka DITECH Financial LLC. 
XXXX and Green Tree were both notified of the bankruptcy filing. Since that time I 've starting getting collection letters from Ditech, which is same parent company. I called and gave them the bankruptcy case number and the lawyers phone number, The ' XXXX '' who would n't give his agent # or other ID, was very nasty in telling me that they could contact me all they wanted by mail unless I sent them a letter telling them not to. I re-explained the bankruptcy filing to him, but he was rude again. 
Now the bankruptcy was discharged on Monday XXXX XXXX, and on Friday the XXXX I received another collection letter.. BUT it 's dated XXXX XXXX Odd that, and the envelope has no postmark date.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
I pay XXXX a week toward my mortgage. Ditech is not applying my payments correctly to my account and has assessed late payments to my account when I am paid ahead.

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 2015-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
Calls originate from the Revenue Group, calling number is XXXX XXXX XXXX. Calls received XXXX/XXXX/2015, XXXX ; XXXX/XXXX/2015, XXXX. Both times the caller indicated an unspecified debt is owed and was told we do not discuss financial matters on the phone. Caller was further informed to submit the nature and specifics of the alleged debt in writing to us. To date, no such correspondence has been received. Numerous other calls have been received from this group as shown on our phone 's caller id, but went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: DE

Complaint narrative:
My escrow account with Ditech was cancelled effective XX/XX/2016. My XX/XX/XXXX billing statement and the automatic payment was for the correct amount. However, the XX/XX/XXXX billing statement and automatic payment included escrow even though I contacted Ditech XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to no avail in getting it corrected. That caused my checking account to be overdrawn and I had to transfer money from my savings account to cover another bill. Now, the XX/XX/XXXX billing statement has escrow included, but the automatic payment has been cancelled. I pray that Ditech does not still make the automatic payment.

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 2016-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I have been requesting information specific to my PMI canceling for a significant amount of time. The last request I placed was via email on XXXX/XXXX/2016 asking for a review of my account to determine if my PMI can drop off without ordering an appraisal. I have yet to receive a response other than the PMI dept is still reviewing my account. I received this 'status update ' via a letter on XXXX/XXXX/2016 as well as verbally when I called on XXXX/XXXX/2016 and XXXX/XXXX/2016. When I called on XXXX/XXXX/2016, I spoke with XXXX who advised my PMI had not dropped off yet even though my LTV was around 75 % because I had been paying bi-weekly and my principle had decreased faster than the amortization schedule had detailed. XXXX placed another request in with the PMI dept for their review and promised to call me with their status. I called on XXXX/XXXX/2016 and spoke with XXXX, she advised the termination of my PMI does not consider my account balance but instead goes by my predetermined auto termination date as determined by my amortization schedule created at closing. When I asked her what that date was, she told me that was still under review from my XXXX/XXXX/2016 request. 
I can not seem to get a response on this, and I am paying unnecessary PMI rates on an LTV that is lower that was is required by investors and my closing paperwork. My intention is to refinance with a HARP loan once my PMI has dropped as I am currently paying 6.5 % in interest. This delay is costing me money. 

Additionally, when I called on XXXX/XXXX/2016 I found out my account showed I was late in my payment. DiTech takes bi-weekly payments directly from my checking account, but apparently due to a system upgrade my payment was applied to principle. I received no notification of this late status, and there was no review of payments to determine if the system had incorrectly allocated funds. When speaking with XXXX, she knew the issue right away, which tells me this was a known issue that DiTech took no proactive stance in correcting. XXXX also advised I monitor my account for the next couple of payments to ensure DiTech did n't make the same mistake again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Revenue Assistance Corporation dba Revenue Group
State: GA

Complaint narrative:
I was contacted on my personal cell phone by a XXXX XXXX from Revenue Group. I had to ask multiple times who was contacting me. She rudely advised and then stated tried to ask about someone else - XXXX - who may have had the same address as me. I advised that I do not know the person and then she continued to ask for my address. She then rudely said " ok, bye, bye, bye and hung up '' after what she needed my information for. I would like to seek legal council. I am sure my cell phone carrier can pull a record of this call. Very rude and the debt does not belong to me additionally, the individual that they are inquiring about information has also been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: GMA Investments, LLC
State: CA

Complaint narrative:
I received a call from my ex coworker who I have not worked with her for over 8 years stating that someone from Summit Receivables called and asked for me and said they have document against me about a debt and they are reviewing right now for action. They called from ( XXXX ) XXXX and said to call them back at ( XXXX ) XXXX. This is unacceptable that they called an old coworker that I do n't associate with and disclosed my personal information, which is not true to damage my reputation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
We are a HUD approved housing counseling agency and we submitted a loan modification package to Di-Tech Financial LLC on behalf of the client on XXXX XXXX, we were consistently following up with the lender submitting documents that were needed to complete the file. DiTech place a foreclosure sale on XXXX XXXX. On XXXX XXXX I spoke with the SPOC on this file and she confirmed that the last documents were received and there was no sale date. The homeowner then sent us a email on XXXX XXXX stating that her home was sold on XXXX XXXX, I then called back into Ditech spoke with the SPOC and she reconfirmed again yes it was a hold on the sale date, however Ditech went through with the sale and hung up rudely in my face I then called back in to make sure she just did not hang up in my face on purpose and the same SPOC said yes the home was sold and hung up again in my face. I truly understand there is never a guarantee that a modification will be done to help a homeowner, but the homeowner SPOC confirmed not once but twice that there was not a sale on this property and she was very very very rude in her communication. No homeowner deserves that treatment rather they are current or behind. We need this foreclosure to be rescinded.

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 2016-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
I paid mortgage for the month of XXXX and XXXX 2016 with XXXX separate checks of {$600.00}. I continued to receive statements claiming I was late. So I called and was told I left off XXXX per check. So I made payment and was told system will automatically know correct payments has been made and will apply payments accordingly. I was told will take 5 business days. After 3 weeks later they are still holding my mortgage payments in unapplied funds and charging me late fees. I have called several times to get this issue resolved to no avail. Please help

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 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I sent a complaint XXXX MONTHS AGO any Green Tree has not completely responded to my request!!! My MIP has not been removed yet! I need this to be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
My credit shows a charge off for a XXXX mortgage back in XX/XX/XXXX which was service for XXXX XXXX XXXX by Greentree financial. Recently, Greentree sold out to Ditech. Ditech is now reporting me as late on a charged off from XX/XX/XXXX. I have a waiver and pay {$350.00} a month to an attorney. If I was hit for this being a charge off in XX/XX/XXXX and my credit reflects a closed account, how can I get Ditech to stop reporting this on my credit with today 's date, reflecting late payments? Credit wise, I was penalized for this in XX/XX/XXXX and years later, and am damaged with it reflecting as a charge off. I was separated from my husband who would not leave the home, and the home was in my name. I am accountabIe for the action. While in pre-foreclosure proceedings, we sold the house XXXX different times, but the servicing agency would not forward the sale info to XXXX XXXX XXXX and declined the proposed sale and settlement value. They then sold the house, and reported it as charged off on my credit. I will attach the credit report that is recently destroying my otherwise perfect credit now and for the last XXXX years while on my own, and the waiver that was worked outside this issue between Greentree and my attorney. Please help me to get this either reflected as charged off and done, or as an open account with a perfect payment history since the waiver agreement in XX/XX/XXXX. Thanks so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
GreenTree Servicing is the service provider on XXXX my mortgages and has been since about 2013. Their online system is not providing me with current statements. The last statement I have in the online account is from 2013. I have contacted GreenTree multiple times and they have not responded in writing. They have only left one voicemail message for me with no phone number from a blocked number. In that message they stated that the reason they have n't sent me a statement is because they do n't have my current address. That makes no sense and even if that were the case that 's no excuse for my online account not to have any updated statements. 
They do have my current address anyway as I 've received other things from GreenTree. 
I am trying to close on a mortgage for a new primary home and one of the checklist items in order to close is to provide a greentree statement. I am now being denied a mortgage because the best I 've been able to do is do a " print screen '' of my current balance. I am completely current, never missed a payment, have a credit score over XXXX but I ca n't get a mortgage unless Green Tree provides a statement. It seems illegal to withhold a statement. Is that legal? Why would they refuse to produce a statement? I pay on time every month against no statement!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
On XXXX/XXXX/XXXX, I submitted a lengthy online complaint to CFPB regarding the recent lawsuit pending against Navient. I was unable to log in to modify to my complaint. In my complaint I explained that Navient was unwilling to help me lower my rate and monthly payment amount. I failed to mention my Navient student loan is over 7 % and possibly closer to 12 %. Navient had no suggestions to assist in dissolving this loan that I never used for my education. This {$6900.00} loan was underwritten by XXXX XXXX in XXXX. Navient eventually took it over. As of XXXX - present date, I have submitted many written complaints to CFPB, written and verbal to XXXX XXXX XXXX, Navient Office of the Advocate, DOE, and XXXX referencing XXXX XXXX University online and Navient Student Loan with no result. I demanded more information on this student loan origination showing deadlines to withdraw from the online university. The only document Navient had on file was the promissory note that I signed. Of course I signed the promissory note, that is the only way the loan would get funded. I immediately withdrew from XXXX and Navient 's claim is my withdrawal date was past the deadline and my loan would be in repayment status. 

I have all documents to all parties involved to support my claims of trying to find a solution to dissolve this loan with Navient or verify if it was a legitimate. Initially I contacted Navient customer service to address this loan issue. Once I understood their customer service representatives were not helpful, I had to type a letter to Navient and send it certified to ensure my complaints would no longer be ingnored. XXXX XXXX responded to my complaint. XXXX XXXX XXXX - XXXX suggested I contact XXXX to obtain transcripts to release me from the loan. If there were no transcripts, Navient would use this as proof I never attended. During my two - three day research I found out XXXX XXXX Online was involved in illegal activity, changed their name to XXXX XXXX University and eventually closed permanently in XXXX. 

I contacted Navient several more times throughout XXXX of XXXX, asking for help and if they could find any records also. Navient was no help at all and no return calls to address my concerns. I was worried if I could make the payments and how my credit would be impacted by the bad debt, Navient never thinks about the struggling students who never found a full time job to mirror their education.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Debt Recovery Solutions, LLC
State: UT

Complaint narrative:
I received a telephone call from Debt Recovery Solutions on XX/XX/XXXX stating to me that I owe for a check loan and asked personal information I told them I would not give any information until they sent me validation in the mail. 
XX/XX/XXXX I received a letter from the company stating that they have validated the account with an application that is over XXXX years old, copy of drivers license and bank card that is over XXXX years old and a copy of a check that was written to me however did not have a date on the check. I called the company to dispute the information they sent to me stating that this was over the statue of limitations to collect. The company hung up on me XXXX times was abusive and harassing, threatened to sue me, and report to my credit and the agent claimed I am lying the debt was received in XX/XX/XXXX however they have nothing showing that information. nothing has been resolved on my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
Early this year I disputed an account reported by Debt Recovery Solutions account # XXXX through XXXX and it was deleted because the creditor failed to provide me with proof of such debt. Now on XXXX/XXXX/2015 I just discovered this same accountis being reported through XXXX only. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Revenue Assistance Corporation dba Revenue Group
State: PA

Complaint narrative:
The collection agent named XXXX XXXX at Revenue Group, stated to me word for word when I asked why she needed my employment, " You do n't need to worry about that, we will find your employment, trust me ''.

Company response to consumer: Closed with explanation