vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Dear Sirs, We have been requested help several times to keep our home, we were providing all documents requested by the bank : last year was Green Tree now they change the name to Ditech. It is very frustrating, after 5 days they have received last paperwork required and the file was complete for review they said that we do not qualify to obtain a home affordable payment even when my husband was unemployed and our loan investor is XXXX. We want your mediation to assure they going to review our file ans we want to ensure that our paperwork will presented to our final investor, we hope they will have the time to see if there are any options that might help us to obtain an affordable payment to keep our home. Once again, we have submitted the complete package, it was uploaded into Ditech system. It is very hard situation for us, we are trying do not fall behind in our monthly mortgage payment but every day is more difficult and the bank. I know this is one of the loans that XXXX XXXX XXXX has been transferred to several companies. We do not want fall in our mortgage payment, we are asking for help to obtain an affordable payment in these moments when our situation is become very difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I have made multiple attempts to voluntarily surrender the property. Instead of accepting my offer to voluntarily surrender, I was involuntarily signed up for a modification. Again, I attempted to follow the process for a short sale. Ditech has extended the process for more than six months by repeatedly asking for documentation that has already been submitted. During this time, the damage to my credit score continues to progress rapidly. At the time of the start of this short sale process, I had XXXX potential buyers ; however, the time limit for their offer has expired because of repeated request from the mortgage company for updated documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 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: MD

Complaint narrative:
My daughter was taken to the ER by her father. I was never at the hospital. I have received numerous calls regarding a {$240.00} debt. I explained to each collection agency that called that I was not responsible as I was not the adult that accompanied child for visit. I requested validation of debt with my signature. I never received it. I checked my monitoring service and found an entry to my credit report for the debt I explained was not mine. It also states I opened this debt in XXXX. My child went with her father, XXXX XXXX, to the ER in XX/XX/XXXX.

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 2017-02-15 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
XXXX XXXX I learned that I had a medical collections debt for my minor child from XXXX XXXX XXXX that was sent to a collection agency XXXX. In XXXX XXXX, I settled the debt with XXXX which i I have a receipt. In XXXX XXXX, another company by the name of XXXX XXXX showed up on my report attempting to collect this same debt. I disputed this collection and I received a letter from XXXX XXXX dated XXXX XXXX, XXXX stating that the account was closed and returned to the original creditor. It was also removed from my report. XXXX XXXX, XXXX the debt appears again under Commonwealth Financial Systems. I am in the process of buying of a home and this negative account continually reappearing on my credit report is affecting my score and causing me XXXX. Not to mention that XXXX, the agency who I settled with, was the only one who contacted me. The others have not, they just showed up on my report. I am very aware of the HIPPA Law and I am almost certain that what this company is doing violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
We fell behind in our mortgage with Greentree Servicing, and received notice that they were planning to foreclose. 

We talked to them and were told that they would send us a plan whereby we would make 3 consecutive monthly payments, on time, and then our mortgage would be reinstated. 

We received a XXXX XXXX page booklet shortly after that and proceeded to comply with it 's terms. 

Per the instructions, at the end of the 3 months we submitted the pages they enclosed in that booklet, the ones that required notarized signatures, and awaited results. 

The following month, we received a new bill from them showing that the mortgage had been reinstated and what the new monthly payment would be. That was when we saw that the mortgage had not been reinstated but had been re-written, and at double the interest rate of the previous one. 

We called them and after much transferring, supposedly reached their credit payment department whereupon we were asked why we had signed the new mortgage papers if we did n't like the interest rate. When I explained that we returned the papers, as directed, under the impression that the mortgage would be reinstated, not re-written, we were told that as far as they were concerned it was a done deal and we had no further redress. 

We called an attorney and was told that we 'd be better off going through our state 's Attorney General 's office for consumer protection. 

We called that office and were told to get an attorney. 

Home health issues erupted at that time and we lost track of this. 

Your recent settlement with Greentree has prompted this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
my mortgage was transferred to Ditech few months ago from Green Tree, where i have file few complaints about charges they claimed they had made to my property, and the result to that complaint all fees were supposed to be waived. and a letter was sent the Office of the President also and the fees were supposed to be waived. Now Ditech who has my mortgage has been charging me something call ( CORPORATE ADVANCE BALANCE {$75.00} ) its under account information no real explanation why, but under my explanation of amount where it says escrow, interest, principal, now there is a total fees & charges of {$7.00} i called today to find out what are fees are for since, I spoke with XXXX # XXXX who told me its for repair that was done in my property so its been broken down every month. I have tried to tell her this issues were resolved but i could not get a word. My major concerns now my account has been bounced around from XXXX company to another company and their statements not even clear to understand the charges. I need help dealing with the charges on my account that are not supposed to be there and a better explanation of statement** CORPORATE ADVANCE BALANCE** no one understands what that is there for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
Ditech is trying force me to buy their homeowners insurance. I have sent them proof of insurance a number of times and they keep sending letters threatening to foreclose if i do n't pay for united insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
On XXXX/XXXX/16 a late payment was processed through DITECH CO for XXXX ( my XX/XX/XXXX payment and made a future dated payment for XX/XX/XXXX which would have been drafted XX/XX/XXXX. On XXXX/XXXX/16 a web bill pay was made through my bank in the amount of XXXX to GREENTREE SERV TYPE ( this was a Payment that should have been stopped by my bank since a cancellation was requested on XXXX/XXXX/16 because I made a payment directly through DITECH CO., my bank XXXX XXXX XXXX said they were unable to stop it because it went through as GREENTREE. ) due to this mistake my account became overdrawn. I spoke with DITECH CO on XXXX/XXXX/16 who agreed to return funds within 4-5 business days. This was not done. After numerous calls made to get the funds and getting the run around it was now XX/XX/XXXX. I told the representative to keep the funds and apply to my account for XX/XX/XXXX payment since we are in XX/XX/XXXX now. They said ok. 2 weeks later I get a notice of default because my XX/XX/XXXX payment has not been paid and I 'm still owing on XX/XX/XXXX payment ( which is lost by them in the first place ) so I call back and spoke to XXXX who said he will take care of it personally and advised me to make my XX/XX/XXXX payment in good faith that XX/XX/XXXX will be resolved. So I did. Now two more weeks later I called them because I 'm getting ready to pay XX/XX/XXXX and they still are saying I 'm behind a month and keep giving me the run around. They told me today I have to wait 30 more business days. I just want somebody to help me get this resolved because I am being given the run around and my credit is being affected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We noticed on our monthly mortgage statement a charge for " repair '' for {$200.00} XX/XX/XXXX. We inquired about this fee XX/XX/XXXX, and were told it was for Code Enforcement. We have never received any communication from Code Enforcement, so we requested a receipt or invoice of what was paid to be sent to us. We called Code Enforcement, and they had no such record. A week or so later, we never received the invoice. Today, XX/XX/XXXX, we called back to inquire on this charge, and after spending an hour and a half on the phone being bounced around their system, we finally spoke to XXXX at x XXXX. XXXX was less than helpful, but did say the fee was charged to file with the county that the house was vacant? I am not sure why something like this would be filed ; we have lived in our home, continuously, for just over eight years. Green Tree refuses to refund the payment, and is forcing us to pay this bogus fee, or else we are subject to their deceptive collection practices of late fees and the like. 

In addition, we paid them, accidentally, twice in XX/XX/XXXX due to the change in payment - since our bill pay feature was incorrect. So, in XX/XX/XXXX we paid twice the required amount. Now, Green Tree refuses to apply the second payment toward our XX/XX/XXXX bill, again, giving rise to the possibility of additional fees. 

Lastly, we applied for a second mortgage modification XX/XX/XXXX, given our XXXX mortgage was already modified. We received an IRS form XXXX for the relief of the XXXX mortgage balance to file with XX/XX/XXXX taxes, to this day ; we have not received any disposition other than the IRS for from Green Tree. We have spent hours on this matter to no avail. Each time we call, roughly once a month, we leave our names and numbers but do not ever hear back. This service is poor at best and illegal at worst. Please help us right our mortgage account.

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 2016-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
The green tree servicing lawsuit amount was {$9500.00} for me but I received a check for {$53.00}. Why? When it is so hard to get Ditch, Green tree, XXXX XXXX to even issue a loan modification after the threats and humiliation from this company. Why only 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 2016-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
We paid off a loan to Greentree and they said they sent a refund check. We never received it or it was never cashed. I wrote 3 times to request information and they never reacted except to say it was sent. 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 2017-02-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
My wife and I have a loan servicer ( Greentree/Ditech ) that has called us at times 3 & 4 times a day, at least. They have imposed unwarranted fees, not applied funds, just an on going pattern of harassment and misconduct. We understand they were involved in a lawsuit initiated by the FTC. We feel we were omitted, lost, or otherwise unaccounted for as we have not been contacted regarding any settlement. We also feel they are raising the interest rate illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC
State: CO

Complaint narrative:
I am getting charged for something i knew nothing about, i contacted the debt company the first time to get it removed they did and now it is back on my credit. The representative was very rude when talking to me and said there was nothing she could do to help me.

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 2015-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GMA Investments, LLC
State: MA

Complaint narrative:
Summitt receivables calling daily to " settle a debt '' but will not disclose who debt is for, nor will not stop calling after repeated written requests. Summit is a collector for payday loans, I have never taken XXXX. Summit refuses to verify the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Our mortgage company demands we carry homeowner insurance to protect the property. We can get homeowner 's insurance but because of our budget, we need to pay it off monthly. The mortgage company demands we show that we paid for the entire year. When we explain this to them, they say they will add the insurance to cover property only and then overcharge us to make additional money. The insurance they are charging us, only covers the building and property and not our personal possessions. We can get insurance for our home much less expensive that would include our personal possessions, but the mortgage company wo n't allow us to do this. They insist on adding overly expensive coverage and adding the fees to our mortgage payment. We think this is a rip off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I have an existing case number XXXX, but I have more information to add. I made my latest mortgage payment on ditech 's website yesterday ( XX/XX/2017 ) and AGAIN the payment was misapplied to principal instead of to the XX/XX/XXXX due date. I have called them but this HAPPENS EVERY MONTH, regardless of whether I mail a paper check or do a one-time payment online. Please help me stop this cycle from continuing!!!!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I thought my mortgage company was in the process of getting me a loan modification and I found out that my home had been forclosed. They never told me that my home was sold or anything. All they told me was to send in more paperwork for the loan modification. I still have n't received any information in the mail about my home bein sold. Loan modification was started in XX/XX/XXXX. Please 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 2016-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: 4M Collections, LLC
State: CA

Complaint narrative:
XXXX companies reporting same information on credit report, entered into a payment agreement with XXXX of XXXX, Ca. on XXXX/XXXX/2016. They are accepting my credit card payments directly to them, therefor discovery financial has no right to report same information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
I spoke to a representative of the company. He stated that my payment would be processed at XXXX the following morning. He also stated that the payment could be reversed if necessary. After speaking to my financial advisor I learned that this action would adversely affect my credit score. I later called the company back and the representative stated that the payment could be stopped and my credit report unchanged. He late called back and admitted the misrepresentation. He did offer an apology but basically stated he lied about everything else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: RI

Complaint narrative:
I received a notice from dbt solutions saying I owed on an old XXXX bill. I called them and they told me that I never returned XXXX equipment. I told them that my mother did bring package to XXXX and that she still had the proof. Thy told me to send the proof in. My mother faxed over the receipt and a letter telling them that she personally brought the package containing the equipment to XXXX for me and had gotten the receipt. she even wrote on the receipt when it was received by the company who handles the equipment for XXXX. It does not go back to XXXX but the company I guess who manufactures the equipment for XXXX. It was received on XX/XX/XXXX by a XXXX XXXX. In 2014 she had checked the tracking on line to make sure it was received. Good thing she kept the receipt. She also stated in the letter to dbt solutions that this should never even been put on my credit report in the first place. She told them I wanted it removed from the XXXX credit bureaus because it was XXXX error and this was cleared up 2 yrs. ago.. XXXX would not even talk to me about it because they said this was a old closed account and sold to dbt soultions. This was done over XXXX months ago. As of this date it is still showing up on my credit as XXXX balance but still showing as collection account. This had lowered my score by XXXX points and caused me to loose out on getting a mortgage at that time. I am still trying to get a mortgage to buy a house for my growing family as we are XXXX next month. I want this removed from my XXXX credit reports ASAP. They told me it would be but they never followed through. This has been a nightmare.

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 2017-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: RI

Complaint narrative:
A man was outside of our house taking pictures saying that we are late on our mortgage. I have paid an extra {$500.00} the past 2 months and am on automatic payments. O the atomated system they are saying we are behind over {$3000.00} yet my statements show that we owe the correct amount for the month of XX/XX/2017 and the payments have come out of my checking account. Online through DiTech it says that funds were reallocated on XX/XX/2017 and on XX/XX/2017 yet there is no explanation of why. It also says we are 55 days late. What is going on? Please help - it is a Saturday and DiTech is closed - I am sick to my stomach and have proof of payments and extra payments. Also our principal balance has increased over {$3000.00}, there is a " statement '' from XX/XX/XXXX which I can not download but says we owe {$3400.00} as of XX/XX/2017 and on the same statement it says our last payment was on XX/XX/2017 obviously this is not right. Please help.

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