vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
XXXX/XXXX/15 I called Green Tree Servicing to ask them questions about my account when they transferred me to my account specialist who was in charge of screaming belittling me and asking me why I had not paid for my XXXX XXXX. I have an entire month to pay for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I am getting a call from green tree everyday demanding that i pay them over the phone. They stated XXXX the representative that I have no choice to either giver her my checking account and pay XXXX dollars or continuoully get harassing calls every day up to six times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I was two months behind on my mortgage. I did not make a payment for the month of XXXX or XXXX. However, I made my payment on XXXX XXXX, 2015, in the amount of {$3700.00}, which included late fees. Since I was two months late, I have no problems paying the penalty. However, I refuse to pay a late fee, when I am not late with my mortgage payment. I received my XXXX 2015 bill with a late payment XXXX in the amount of {$42.00}, for my XXXX payment. I made my full payment of the entire mortgage that was owe. Per my mortgage contact, I have a 15 day grace period in which to make my payment, before it is considered late. Making my mortgage payment on XXXX XXXX 2015 is not considered late per my mortgage contact, when in fact, my payment included all of my late charges for the month of XXXX and XXXX. Like I have stated in the past, I will not make my payment until I have to, which is on the XXXX day of each month. If I pay after the XXXX, its on me and I will pay the late fee. I am not going to pay late fees when in fact, I have not made a late payment. 
Additionally, I am receiving harassing telephone calls everyday at least XXXX or XXXX times per day and no one leaves a message. I refuse to be harassed by telephone calls. If the calls are important leave a message and I will return the call, otherwise, I want the harassing telephone calls to cease and desist as the calls are to annoy and harass.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SKO Brenner American, Inc.
State: FL

Complaint narrative:
i not recognized that is my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
My husband and I separated in XXXX 2014. We have a XXXX mortgage with Greentree XXXX. My husband did not / is not helping me financially with any of the bills we had. I contacted Greentree and requested forms to apply for a modification based on XXXX income XXXX mine ). They wanted the divorce decree. I had n't filed for divorce at that point due to the financial state I was in. I was granted a quit claim deed and my husband signed off on the house. My XXXX mortgage company XXXX XXXX XXXX quickly issued me a modification based on XXXX income. Greentree would not accept the quit claim deed and wanted my husbands financial information. I explained to them he does n't live there anymore and will not provide me with his income or expenses. He then was out of work with absolutely no income from mid XXXX thru late XXXX. I have tried to provide everything and anything to Greentree to request assistance with paying my XXXX mortgage and they refuse to do anything until I provide a divorce decree. I have filed but am in the 90 day waiting period that PA has for divorces. I receive telephone calls on my cell phone, and at work, at the minimum of XXXX to XXXX times a day. I always get the same person ( XXXX XXXX and she is very nasty and likes to remind me that I am a mother and need to keep a roof over my sons head so I need to pay my bills and she is a single mother and manages to do it, why cant I? I have blocked every number possible but they still get thru and leave numerous messages on both my cell and work voicemails. I am current with my XXXX mortgage and certainly do n't want to lose my house over a {$14000.00} loan that I can repay with a little assistance. They refuse to work with me and harass me every day of the week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I was speaking with Quicken Loans about requirements for a Mortgage Loan, and did not authorize a credit inquiry. However, my credit report was ran without my approval. I consider this fraud and identity theft. I then called back to ask why they did that, and was told by XXXX XXXX of Quicken Loans that they had 'permissible purpose ' if they had my social security number and date of birth. I told them that if anyone had my info they still needed my approval to do anything with it,. I would like to report this agency as willfully misusing my identity and would like to press criminal charges and file a civil lawsuit against Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
Green Tree improperly raised the interest rate on my mortgage. The terms of my mortgage contract state that the index is the weekly average yield on the United States Treasury Securities, adjusted to a constant maturity of one year, as made available by the Federal Reserve Board. It also states the most recent index figure available as of the date 45 days before each change date, is the index that will be used to determine the change. The new interest rate will be calculated by adding 2.75 % to the current index and then rounded to the nearest one eight of one percent ( 0.125 % ). The rate will never increase or decrease on any single change date by more than two percent. 
( Prior to the reset my interest rate was XXXX. They added 2 % to the 2.875 % and it is now 4.875 %. They did not adjust according to the contract and use the proper index ). 
Forty five days before XXXX XXXX, 2015 is XXXX XXXX, 2015. On XXXX XXXX, 2015 the index was XXXX adding the margin of 2.75 % my new interest rate should have adjusted to 2.97 % with a new payment of {$900.00}. Not {$1000.00} In addition my escrow account shows that a payment for my hazard insurance will be made on XXXX XXXX, 2015. I have never had an escrow account for insurance or taxes, I pay them myself. 
On XXXX XXXX, 2015 I called and inquired about this. I was transferred to 4 different representatives, each time having to give my account number and social again. no one was interested in helping me answer my question. They were rude and wanted to know when this months payment would be made. The final person I talked to told me to send a fax to customer service general correspondence, stating I was disputing the change in the rate, which I did on XXXX XXXX, 2015. I also have written a QWR ( RESPA ) letter which will be mailed certified tomorrow XXXX/XXXX/2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I paid my my co-pay to XXXX XXXX XXXX in XX/XX/XXXX for my XXXX. I never received a bill for charges beyond that. PDQ Services, INC has looked into my credit it seems over the years, my husband and I filed for bankruptcy in XX/XX/XXXX. I disputed the information this XXXX XXXX because I got a hit on my credit AGAIN. In the dispute it was stated that the debt was not included in my bankruptcy because it had been paid- I PAID MY MEDICAL CO-PAY for services rendered- again with no notification of owing more than that. Now they are sending me letters stating they contacted their client XXXX XXXX XXXX to verify the debt. 

I called today to speak with XXXX as I have moved away only to find the office has been CLOSED. There is no forwarding number, website or information. I do not know who PDQ is contacting because XXXX XXXX XXXX is out of business. 

I am so frustruated, my credit score has dropped XXXX points in the last month due to this improper collection. When I tried to call today to get information on who they spoke to I could n't get the person who was trying to collect from me on the phone. This is now 5 years later.

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 2015-10-29 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: MI

Complaint narrative:
I sent a validation letter to collection agency asking for proof this belongs to me. It has been over 50 days now and I have given them ample enough time to respond. This appeared on my credit report and I have not been to this company for a payday loan. I have no idea were this is coming debt is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
Sent CEASE AND DESIST letters and reiterated on a taped telephone call demanding ECMC cease and desist. I Filed Chapter XXXX Bankruptcy which has been discharged. ECMC 's representatives harass me on a daily basis. Calling from various numbers multiple times throughout the day, outside collection hours, and they have contacted XXXX parties regarding this issue.

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 2015-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Eagle Home Mortgage, LLC
State: FL

Complaint narrative:
For several months, bills from Universal American Mortgage Co., LLC have been delivered to the attention of the deceased prior owner of a condo I purchased in foreclosure from XXXX XXXX in XXXX 2015. Today XXXX addressed to me arrived, claiming I owed a balance of {$7100.00}. Contact with the company revealed that they had no documentation supporting their supposed " deed loan ''. My review of the closing documents failed to reveal any disclosure of such a loan. I have no intention of paying this loan and am concerned that my credit record will be affected negatively.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: WA

Complaint narrative:
Alliance One is a contracted debt collector of the state and more precisely XXXX XXXX XXXX. They claim that I did not pay on the XXXX of XXXX, and I can actually prove this with the recorded phone calls and my bank. The unfortunate outcome of this is that I will have to pay XXXX dollars to keep my license, which I need in order to get to work to even pay any of this money. They have made false statements saying that I did not submit it until the XXXX in order to force the money out of me more quickly, when I have no way of being able to pay that amount. This is very predatory and should be looked into. They have basically lied to me and are being allowed to punish me legally for something that they had wrong. It is n't my fault the company made mistakes, and I will not be defrauded in order for them to make an extra bonus for collecting a debt that is wrongfully being presented. I will now not be able to pay any of the money to them. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX Wa XXXX. I am planning on filing a Complaint and Summons by myself for predatory lending practices under the Consumer Protection Act and ask for damages in the amount that I would make in a years wages. Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
i contacted you about an issues with greetree/ditech. they never address the issues and now have started foreclosure proceeding on XXXX XXXX, 2016 please see case # XXXX your agency sue this company for my very issue,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
DiTech Financial LLC, opened an Escrow account nearly a year into servicing my loan ( which was never requested at the time the loan was originated ) for our Property & Casualty Insurance we pay in full. As a result, I had to call them and pay the balance down to XXXX, then was told I had to submit in writing a request to close this account. Again an account I never opened, but now I had to go through extra work. 
Furthermore, two months after I assumed this had been resolved, I was sent paperwork saying that I would be hit with a late payment because they did not understand what to do with the funds we sent from our insurance company to close the Escrow account they opened. 
This has caused me to spend several hours calling DiTech, and the complete inconsistency of " customer service '' has caused me to waste time, was charged late fees when I 'm working to get corrected and may have impacted my credit because they ( DiTech ) did not apply my payment properly in their system. We are presently refinancing and can not wait to get away from them!!

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 2016-07-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
XXXX XXXX I sent my daughter XXXX dollars through my PayPal to hers. I did this while on the phone with her and she immediately received an email confirming I had sent XXXX dollars per PayPal. I assumed everything was fine since she got this email. XXXX XXXX, 2016 she calls me and has n't received this money in her PayPal account so I went online to check what my transactions looked like. I found that this money was sent to a XXXX XXXX PayPal account. called PayPal immediately and their response was it happens all the time because I used her telephone number to send the money and this XXXX XXXX has the same phone number on his account and I should have sent this per her email so that would n't happen again but nothing on their site says this is a danger and to use email account instead of phone number. I asked them to stop this transaction before my money got in his account and they told me it was to late they could n't do anything until this money was in his account. I talked to a lady named XXXX who is a transaction specialist she told me same thing and they were n't liable for this kind of transaction but she would email this XXXX XXXX via email and explain to him this money was sent to him in error and she would ask that he send the money back to sender which is me. she told me that if he did n't all she could do is do a chargeback on the money and go from their. My problem was that she said she would keep me informed and she would try to get this money back to my account if she could. I do n't feel like PayPal is doing anything to get this money back to me. I have received no emails from them about what is going on. I feel like I let them know we had a problem and before it was in his PayPal account. I just do n't understand why she received the confirmation email and the money went to the wrong account. I need help from someone to see what happened. and why they could n't get this money back to me. I cant help but believe that this XXXX XXXX found a way to copy my daughters phone number to get this money. i tried to email him myself and my message was returned to me reading that that email address was not a valid address.

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

Complaint narrative:
Our mortgage was suddenly sold from XXXX to Greentree mortgage services XX/XX/2013. We were n't notified of this or any changes until after the barraging phone calls started when we were 1 week late on our mortgage payment. I had just been put out on XXXX from a XXXX, and was formerly the main wage earner for our family. My husband had just started a new lower paying job after not working in this bad economy for over 2 years. His pay was sustaining utilities and food only. I was involved in a workplace lawsuit, and was having a hard time getting any benefits or payments established. I communicated this to Greentrees representatives who were very angry and harassing. We were receiving phone calls up to ten times a day, with threats of jail, them sending the sheriff to just take our home, they threatened to attach wages and take money from our bank account. Their representatives were even bold enough to speak to, threaten and scare our children. They spoke with threats of taking everything we own away. It got so bad at one point a lady told me that they did not have to go through the legal processes, and did not have to notify us, that we 'd just be thrown on the street and homeless! My children are very scared, and now have severe panic attacks. At one point after a phone call from a nasty representative, I was rushed to XXXX and treated for XXXX ... ( XXXX ) I was advised by my doctor to send a cease and desist letter to stop them from calling. I sent one certified letter but still continued to call and question the ability to correct and mitigate my mortgage situation. I was told each and every time that my excuses were unacceptable, and we could n't be helped. We at one point received a mitigation relief package from them, filled it out, then months later received a letter stating that we were delinquent on making payment to mitigate our situation, and therefore unable to receive help, when we were never notified of any mitigation? I kept in contact, despite their threats. I received pre foreclosure letters, but never anything on how we could be helped. We considered bankruptcy, but were told for chapter XXXX, I needed to have a job. I went through several rigorous appeals with unemployment. I now recently picked up a part time job, and tried to notify Greentree again, and received a letter from DiTech. It 's not clear if they are our new mortgage service. They are asking me to honor our obligation, but now I found out that Greentree just settled a lawsuit for exactly the same issues and harrasments my family endured. I need your help to be included in that lawsuit. I 'm formally documenting our harassment by Greentree in this complaint, and would like to make sure we have no further problems with Greentree

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I have been approved for loan modification in XXXX XXXX 2016 through Ditech.com. 
They put me on a trail loan modification in XXXX 2016 and told me to " keep paying the trail period of {$1500.00} till till the final loan modification papers come to me and I sign it. '' Now my credit reports say I have negatives mortgage late payment since XXXX 2016. 
Ditech customer service say that " it will go away once I receive my final loan modification papers and I sign them. '' NOTE : I have been approved on the modification in XXXX XXXX, 2016 and this modification started in XXXX 2016. 
I keep calling them every month and it keeps being pushed back. Why if it 's been approved in XXXX XXXX? And it is building up my negatives on my credit reports. 
Please advise of what can be done about them not sending me final modification papers from Ditech after so many call to them and many months of waiting. 

They have actually killed all other mortgage options that are available to me. 

Thank you.

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 2016-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
please i am leaving this message because i was with greentree then they sold to ditech they stated they would honor the mortgage modificationn at the end of 2014 now the company says i owe them XXXX dollars for escrow they are charging and adding to my mortgage i have been paying mortgage for 20 years This has never happened i paid the amount that i always pay

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 2015-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I HAD AN ACCOUNT WITH FLORIDA POWER AND LIGHT WHICH WAS CLOSED ON XXXX/XXXX/2013 AMD PAID IN FULL. I SOLD THE PROPERTY ON THIS DATE AND PAID THE FINAL BILL I WAS SENT. XXXX STATES I OWED XXXX DOLLARS DUE TO BUDGET BILLING HOWEVER I WAS NEVER NOTIFIED AS THE PROPERTY I WAS SOLD I NO LONGER LIVED IN. XXXX DID NOT EMAIL NOR ATTEMPT TO CALL THE PHONE ASSOCIATED WITH THE ACCOUNT AND SENT THE BILL TO COLLECTIONS. AS OF TODAY I PAID THE REMAINING AMOUNT ION FULL HOWEVER XXXX STATES THEY WILL NOT REMOVE THE COLLECTION FROM THE CREDIT BUREAUS. 

NOTE : I WAS NOTIFIED OF COLLECTIONS VIA CREDIT KARMA.

Company response to consumer: Closed with explanation