vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I am currently trying to refinance under the XXXX program. You need to be current on all mortgages in the last 12 months in order to qualify, which I am. Ditech Mortgage has incorrectly reported to the credit agencies that I am at least 90 days past due on my mortgage which is absolutely not accurate, even according to their own records which they have sent to me. I have been following up with them for well over a month to get them to correct this and notify the creditors that the report was an error and we have paid as agreed, but today XXXX/XXXX/2016 they have still not corrected the situation and this is adversely affecting my credit score and my ability to refinance. I have called several times and emailed and this remains an issue. I 'm asking for help to get this rectified quickly so it stops impeding what I need to do as they do n't seem to care or have a sense of urgency in correcting it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890

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 2015-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC
State: VA

Complaint narrative:
For several months, I have been receiving calls from XXXX at Green Tree ( XXXX ) looking for an " XXXX XXXX. '' I have told him repeatedly that he has the wrong number and to stop calling me yet he continues to call me and question me of whether I know XXXX or not. Once he even left a message saying he needed to confirm the vacancy at XXXX XXXX XXXX. I do n't know XXXX XXXX but it 's concerning that XXXX is quick to give out confidential information like this. Just this month, I 've received calls from XXXX at Green Tree on XXXX, XXXX, XXXX, XXXX on XXXX, XXXX and today. I have saved all voice messages from him this month as I refuse to speak to him any more. Please make this company and gentleman stop calling me. If you are not the correct place to contact, please point me in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: GMA Investments, LLC
State: NM

Complaint narrative:
I had a credit card with XXXX who sold to XXXX XXXX. The limit was {$400.00}. They began charging a fee each month and all was fine with my payments until I was diagnosed with XXXX and had to go through surgeries and treatments. I got behind and filed my creditors with Consumer Credit Counseling, this credit would " not '' work with them and continued to charge me {$35.00} a month for late fees so now I owe like {$800.00}. I finally worked out an arrangement with them to take a payment each month to try and resolve this debt and they took two or three payments from my account. I planned on {$45.00} begin taken from my account on the 3rd or 4th payment but they attempted to charge me {$70.00} and I did not have enough money in my account to cover so the payment was returned. When I called them they said I agreed to pay {$70.00} after the 2nd or third payment, I do n't remember and I said I ca n't afford that, and asked for them to take less but they said no. Now they are saying that I wrote a bad check ( and I did n't ) and then they said I gave them fraudulent bank account information ( but I did not ) I called to speak with XXXX telling him that I was having problems and considering filing a Chapter XXXX and in the middle of this conversation a man got on the phone, said he was the manager and begin yelling at me and when I would n't bow down to him, he hung up. I continue to receive phone calls from XXXX, XXXX and now a recorded message from XXXX XXXX and they continue to say that I wrote a bad check of provided bad payment information and that this is illegal across state lines. The only thing that I am guilty of is not having enough money in my account to pay what they require I pay and for not being able to include them in a CCC plan payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I had filed an individual bankruptcy XX/XX/XXXX. I met all obligations and the bankruptcy was discharged XX/XX/XXXX. I notified the lender ( Greentree Services/Di-Tech ) via telephone regarding discharge, which they acknowledged receiving. To this date they still reference my bankruptcy on my mortgage statement and have failed to provide balances on my mortgage statement. When I filed my bankruptcy in XXXX XXXX they immediately made reference to bankruptcy on XXXX statement. What is so hard removing it from my mortgage statement. Additionally, I have called and asked for a pay-off of my first mortgage and they tell me I have to write a letter requesting this information. I should be able to obtain this info via e-mail or over the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
We are continually harassed by Green Tree Servicing whom took over our loan a few years ago from XXXX. They indicate we are delinquent in our funds monthly and state that they are a " collection agency ''. Recently, I received a 30 day delinquent notice, although our $ USD counterpart ( XXXX XXXX XXXX XXXX ) sends us confirmation of funds withdrawn between the XXXX and XXXX of every month. 
The problem is XXXX fold ... I am an XXXX living in XXXX and have to rely on mail / postage as Green Tree does not offer electronic transfers / payments ... who does n't offer this service in the XXXX XXXX!!!?? ... Green Tree does not. Secondly, when our bank sends the mail ( confirmed ), it has been explained to me on several occasions by the many transient 'account managers ' we 've had over the last few years, that the mail sits in their accounts receivable department until process. 
As a point of consistency, we start receiving calls from Green Tree call agents around the XXXX of every month and continues until our payment is miraculously processed ; somewhere between the XXXX and XXXX of the month. As such, our account shows delinquency nearly every month. 
To cap it all off, due to their fallible processes and poor customer engagement, we receive at least 1 to 2 phone calls per day from Green Tree, which we 've since stopped answering and are contemplating legal action at this point. The call agents phone, without regard, any time of the day. We 've even received several phone calls at XXXX on a Saturday morning over the last few years!! This HAS TO STOP.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My mortgage loan was purchased as part of a package by Ditech Financial LLC. 
Every month since the purchase of my loan by Ditech I have made my payments online with extra money added to be applied directly to principle. I do not have any outstanding fees or charges on my loan and my loan is and has been UP TO DATE since it 's inception in 2004. Ditech continually pays my loan forward to ongoing months and DOES NOT APPLY the extra funds to principle as intended. I have called every month since I started to make payments to have these payment reapplied. 
I believe that my mortgage account is being grossly mishandled by Ditech and feel that I have not had the proper amount of principle applied. I just got off the phone with Ditech and once again have requested that my monthly mortgage payment plus extra be applied correctly. I have not been assured that the proper amounts I have been paying extra has been applied correctly and the interest billed is incorrect.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
My mortgage lender was n't able to provide me details of my payments made every month. I have paid {$10000.00} in XXXX 2016. They applied this amount to my account in some weird way that I am not able to understand. I have called them many times, asked for details but no one explain me anything. When I tried to add all the amount applied it 's not totalling {$10000.00}. So they have misplaced my money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: COMMERCE BANK
State: KS

Complaint narrative:
I took a hardship withdrawal from my XXXX account and the funds were sent via ACH from XXXX XXXX XXXX to Commerce Bank. Commerce returned the check when funds were available causing an additional hardship as the monies were for repairs on our home and medical expenses. ACH received on XX/XX/XXXX, Check presented on XX/XX/XXXX and returned the check on XX/XX/XXXX. My wife returned early from being with our son in North Carolina and I returned early from a business meeting in XXXX as a result of this check for {$21000.00} being returned. 
A call was placed into Commerce on XX/XX/XXXX to the personal banker, no reply. No letters or information has been shared previously indicating that our account was subject to any set off, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX I have had a truck loan with Automotive Credit Company for 5 years I am a XXXX XXXX Veteran and this company harassed me by mail and phone calls telling me my payments or late. I have never been late on a payment I just checked my credit score XXXX is giving me a score of poor XXXX because they have reported me XXXX XXXX, 2016 last payment late my last payment was in XXXX XXXX, 2016 and on XXXX my payment history for my loan has been removed why would they do this. I strive on paying my bills on time and after 5 years paying {$11000.00} dollars being charged in interest a total of {$22000.00} dollars for my truck I do n't deserve this. I have n't checked XXXX because this information on my credit is incorrect and very harmful to my credit score I will check XXXX and give you a follower up. Thank you in advance for correcting this problem Now XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
We have XXXX mortgage loans with Ditech. We are having problems with our payments being applied to the correct accounts. Because they took payments and applied them to XXXX account and not the account we specified, it caused us to receive a foreclosure notice for XXXX of our loans. All along we were in contact with Ditech agents and they informed us that this account was up to date several times and that we did not owe any payments, yet. We then paid an amount specified by the agent that would bring our account up to date and then we would only owe for our next payment. Today we received a letter saying what we paid was only a partial payment and that we still owe {$700.00} plus dollars to bring out account current. The agent that we spoke to said that we did not owe anything else until our next payment. In addition, our other loan payments are also questionable because we are unsure if they were properly applied to the correct accounts. 
The second problem is that Ditech refuses to speak to my husband about our mortgage accounts even after I have written letters giving him permission and had directly spoken to several agents giving my verbal permission, to discuss the loans on my behalf. My husband is a financial provider and his name is on the deed, just not on the mortgages. The mortgages are in my name only. I do n't understand why this is a problem. 
We would like these problems resolved. We do not want Ditech to attempt to take our properties because they can not keep their records straight. From this point on we are writing all names of agents, dates of payments, and keeping check of our bank records to ensure that our payments are properly credited. At this point we do not trust Ditech. 
I have attached a copy of the mortgage that had payments misapplied and the foreclosure notices that we received at our home. The statement shows that the account was current. We received XXXX of the foreclosure notices, XXXX regular mail and XXXX return receipt. They also sent XXXX to the property address, which is a rental property. All of our bills come to our billing address so I do n't know why they would send them there. That is not where we live or receive mail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: A & E Futures LLC
State: MO

Complaint narrative:
The original bill was XXXX dollars which was paid at the office once I received my treatment ... .it 's their policy prior to being treated is to pay prior to Service ... .however the company sent me a XXXX dollar Service Bill ... knowing I paid at the office, I disputed the Bill ... .and the company continued senting bill and started adding finance charges, whereas over XXXX dollars in finance charges were added

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
I am attempting to closeout a Chapter XXXX case but am unable to do so due to fees Ditech claims I owe totaling more than {$5000.00} in arears payment, however Ditech has not submitted these claims to me or my attorney for review and/or payment. My attorney 's office and I have attempted to obtain information and get Ditech to submit claims relating to this issue since XX/XX/2015. We have made several telephone calls to Ditech. Ditech representatives seem to be clueless as to the request or say they will give us a call back, but as of this writing I nor my attorney 's office have received a return phone call or claim for payment from Ditech. Ditech 's own attorney has tried several times to obtain this information but has informed my attorney 's office that she has been unsuccessful as well. I understand that this is normal behavior and practices for Ditech. I am very concerned that once my case is closed, and fees are later submitted for payment, Ditech may possibly pursue foreclosure procedures if I am unable to pay the full amount. Me and my attorney 's office have serious concerns that this could potentially happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Assistance Corporation dba Revenue Group
State: KY

Complaint narrative:
I had insurance. And I reported the debt to this company and the company charged me XXXX!! They charged me XXXX more dollars to my credit now they are saying I owe them XXXX and its overdue. I dont owe them nothing and they cant charge me XXXX firstall. What is going on with this company. Why are they charging me AGAIN! I have insurance so why isnt my insurance covering it. This is HORRIBLE! PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
Attached a letter to explain what has happened concerning a company called The Revenue Group out of XXXX Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
greentree mortgage servicing call me at XXXX from this number : XXXX. this is their number have responded to call from this number before. I fell that they harass me repeatedly over the years however this was the last straw calling me at this time of the night. My mortgage is current although I do you the grace period allowed under the mortgage terms which is I pay a late fee if late after the XXXX of the month. Most of the time I receive repeated call after the XXXX of the month until the show in their system as paid. I have no problem with a company calling however to continually do this each and every month is a little much. my thoughts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
My mother died and I did not know she had a mortgage on her estate. When i found out about the mortgage i immediately contacted the mortgage company to make a payment. They informed me that I was not the executive of estate due to the fact they can not talk to me. Thereafter I became the executive of estate, then they requested documents death certificate, will, utility bills my birth certificate so on an so forth. By that time The mortgage company XXXX informed me that the estate was in foreclosure. That there was not a payment in a year. I panicked for a moment. I asked what is it that I have to do to stop the foreclosure. XXXX informed me that I had to fill out a Loan modification packet. I did over a dozen of Loan Modification packets. XXXX informed me that I was denied a Loan Modification because I was not residing in the house which the utility bills had the address of the estate. By that time XXXX had sold there Company to XXXX XXXX. Then we had to start over again. At that time I had all the documents XXXX XXXX XXXX requested at that point XXXX and XXXX XXXX was at fault for over charging minority. Then XXXX XXXX XXXX sold there Loans to Greentree. At that point I had to start over again they did not have any documents from the previous Companies. How can you determine if my mother owes on a loan if you do not have any documents that I summited. Well after I summit all the documents that greentree requested. Greentree always said that XXXX document or another. I played alone with that game for about two years then Greentree informed me that they was merging with DiTect at wits end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
I applied for a modification with Green Tree and they will not talk with me about why it was denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
My home is a mobile home/doublewide trailer. When I signed a contract to purchase this home, I received a Truth in Lending stating that the home would be financed for 300 month = to 25 years. I received this document and others 45 days before closing. 
At the attorneys office as I was signing the contracts they provided a different Truth in Lending document with different terms = to a 30 year contract. I had no other choice but to sign this contract because I had broke my lease on my current rental property lived in at that time and had to have housing fast. I agreed to all the terms of the contract by signing. I wish that I had walked out of the closing attorneys office that very moment. Today I am having difficulty making the yearly tax payments. They clearly have stated over and over that they could not help me by refinancing. I have always paid the mortgage on time. Due to health issues I am unable to work. I moved out of this home in XXXX and rented the home out to cover the mortgage payment. I can not afford to pay the property taxes for XXXX. The home was auctioned off to the highest bidder. Ditech has paid the taxes and added that amount back to my payments, this makes it impossible for me to pay the amount that they asking this month. I want to keep this home and the tenants that live there. They suggested that I go up on the tenants rent. I can not go up on the rent because comparable mobile home rent in that area is around XXXX to XXXX a month. I would like to sell this property and pay Ditech off. I have tried many times to sell the property, it has run down over the years and needs many upgrades ( which I can not afford ). At this point Ditech is threating me with a RIGHT TO CURE DEFAULT. I have always paid the mortgage payment amount of XXXX and XXXX a month. 
{$500.00} is the stated amount per month. The overage I send covers insurance only. 
They state that they will not accept partial payments ... they will not accept XXXX per month. 
What can I do? I have no savings?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief