vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Green Tree ( for Georgia ) I paid my {$1300.00} mortgage payment on XX/XX/XXXX, due XX/XX/XXXX, the same amount I always pay. However, escrow caused the amount to change. Therefore, I owe {$34.00} in addition to what I paid on XX/XX/XXXX. XXXX, XXXX called me today, XX/XX/XXXX, at XXXX XXXX., threatened me, said if I did n't pay {$34.00} by the close of business today I would be charged {$54.00} late fee. And it would go on my credit. Why did n't he call sooner? Because he will take my money over the phone for a {$12.00} transaction fee. **So I must immediately pay {$34.00} plus {$12.00} payment fee, or be charged {$54.00} late fee. ** I did n't pay it. He harassed me about next month 's payment, when would I pay that, and it 's not due until XX/XX/XXXX. I make payments usually before the due date each month. 
Only one number for Green Tree : XXXX -- XXXX, XXXX is rude and wo n't help me, said I would be charged the late fee if the full amount of my mortgage payment was not received today, XX/XX/XXXX. I tried to get a payoff amount, and ca n't get that. I contacted the only other number I could find ( refinancing ) and they would n't even help me with a payoff amount! They hide like mice behind one phone number with very few options. Also my social security number is never recognized by this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: OLIPHANT FINANCIAL, LLC
State: AZ

Complaint narrative:
Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. It has been over a month, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
I put my home in a bankruptcy in XX/XX/XXXX. The bankruptcy was dismissed and the property was foreclosed on. It was sold to another lender who is reporting the property as being foreclosed on in late XX/XX/XXXX. It is affecting my ability to obtain credit and pursue the possibility of owning a home again. I have not been contacted by the new company that foreclosed. It is still also showing a past due balance of XXXX which is inaccurate if the property has been foreclosed on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I am having a problem again with this mortgage company, they have changed their name several times in the last 10 years. They started out with the name XXXX XXXX Mortgage changed that to XXXX Mortgage now their name is Ditech XXXX. XXXX XXXX XXXX, SD.XXXX they have other addresses but thats the XXXX i have for them. They are overly aggressive about taking my house. Your company helped have helped me before with this company but they are at it again. They gave me a modiiforcation on my loan about a year ago and i made all my payments on time each month, along the way they keep adding other expenses to my mortgage payment. i keep sending in my regular payment and they start saying i was not making a full payment, that i was only making partial payments and they start putting into my account that i was delinquent but i was making my payment. They added to my payment without letting me know of their change and why, they added taxes, insurance, and their attorney fees for me to pay. Now they are threatening to foreclose for a small amount of {$1400.00}, I need help i am retired and living only on social security. 
PS.By the way my interest rate is 8.25 % and they refuse to lower it. 
Thank You XXXX XXXX XXXX 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 2016-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
In XXXX my husband and I purchased a mobile home and green tree is our financor. Our payments were prigamally XXXX a month. They have now I creased to XXXX. A month. Our home was only for XXXX XXXX. We ha e been paying for 15 years. Something is n't right. We are getting threats to vacate our home. Calls 7 times a day. It has effected my job, and my health. Something about this does n't seem right this home should have been paid off in 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 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I have worked and am still working in the XXXX for 42 years been married for 37 years and lived in and paid for this home 28 years. One day in the local paper is a notice stating our home is foreclosing. The judicial sale is taking place this Thursday XXXX XXXX. We are losing our home even though we did all the right things paid our taxes-paid our bills. Right now we have NO outstanding debt except this loan and a student loan. Our credit is excellent. So why would we stop paying on this mortgage? For what purpose? We got an attorney XXXX XXXX and we never met with an attorney. Even in court they did n't introduce themselves. Now we are out {$7000.00}. Please even tho it 's tempting do n't go with pop ups on the computer. They are just stealing from you. There is NO ONE that will help you They will steal from you and you will still have no where to live. This loan started with XXXX XXXX XXXX went to XXXX then to many others. I do n't even know all of the lenders that have changed hands over the 28 years. We paid off credit cards to XXXX and XXXX XXXX and they will not report the XXXX balances to the credit bureaus. Why are we being hurt this way? Why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
My loan originated with Flagstar bank in XX/XX/XXXX. As of XX/XX/XXXX my wife and I are in the final steps of refi of a conventional fixed mortgage with payout. We contacted Flagstar for a payoff quote Monday XXXX XXXX - which was never received. As of XXXX XXXX, they told us they have sold and transferred the loan to XXXX. We were never informed of the sale. XXXX has told us that it might take up to two weeks for the loan to populate in their system. Our lock-in expires on XXXX XXXX. No one at Flagstar is willing to help us with loan transfer process, or help to get us a payoff quote. No one at XXXX seems to have access to the information. WE NEED HELP! QUICKLY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
The borrower has XXXX mortgages secured by her home. The first is serviced by Green Tree and the second is serviced by XXXX XXXX XXXX. The borrower defaulted on both mortgages in XXXX 2013, after her husband passed away. Soon after she defaulted, the borrower submitted a modification application to Green Tree. By letter dated XXXX XXXX, 2013, Green Tree offered the borrower a Trial Period Plan for a XXXX Loan Modification. This trial period plan commenced with an XXXX XXXX, 2013 payment of {$2200.00} and ended with a XXXX XXXX, 2013 payment of {$2200.00}. After the borrower successfully completed this trial period plan, Green Tree offered the borrower a permanent loan modification agreement. The borrower signed the permanent modification agreement on XXXX XXXX, 2013 and Green Tree signed the agreement on XXXX XXXX, 2013. Since this time, the borrower has been current on her XXXX lien mortgage loan. 

The borrower is now attempting to modify the XXXX lien mortgage loan, which is serviced by XXXX XXXX XXXX, a participant in the XXXX Lien Modification Program ( " XXXX '' ). During the application process, the borrower provided XXXX XXXX XXXX with a copy of the permanent loan modification agreement executed by Green Tree and proof that she is current on her first mortgage. The borrower then requested to be evaluated for a " XXXX '' modification for her second lien mortgage loan, because her XXXX lien mortgage loan had received what appears to be a XXXX Standard Modification. After conducting its review, XXXX XXXX XXXX informed the borrower that Green Tree had not properly reported the first lien mortgage loan modification to XXXX. Consequently, XXXX could not provide matching information to XXXX XXXX XXXX so that XXXX XXXX XXXX could then extend the borrower a XXXX modification. The borrower then mailed Green Tree a Notice of Error, explaining the aforementioned error, and requesting that Green Tree properly report the loan modification to XXXX so that the required loan information is accurately reflected in the XXXX database.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: VALLEY NATIONAL BANCORP
State: PA

Complaint narrative:
After a serious automobile accident in XX/XX/XXXX, I went to a dealership I had dealt with at least XXXX other times. I was not in a frame of mind to make a decision since I was suffering from a XXXX and had taken off walking XXXX miles due to my condition. the same salesman I had done business with in the past handled the account. He financed my vehicle through a bank VNB. not sure if it was in XXXX or XXXX, since I received harassing phone calls, telling me they had not received payments. Also, my vehicle and another XXXX have same VIN #. I was proud of my credit history until this bank ruined it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
From XXXX XXXX to XXXX XXXX, my husband was XXXX ill in the hospital and then eventually XXXX ( XXXX ). At one point, he had XXXX, almost died, and was put into XXXX for 8 days. I did nothing but live at the hospital and go home once a day to shower. A friend even came and kept my dog for about XXXX weeks during this timeframe. I was not looking at a computer or a calendar. Once things began to improve and my dog came home, I was walking her one afternoon ( XXXX/XXXX/XXXX ) and noticed that I had a voice mail. It was Infiniti Financial Services and I had missed the payment. This is my XXXX vehicle lease with Infiniti Financial Services, back-to-back. I had never previously missed a payment or paid late on either lease. I did not get anything by mail or email to warn me of this, just a voice mail on my cell phone from a random number that I could n't identify, thus no rush to check the voice mail. By this time, I 'm about to be late on a 2nd payment, so I was 30 days over on the first one. While on the phone that afternoon with Infiniti Financial Services, XXXX/XXXX/XXXX, I paid the amount owed in full for XX/XX/XXXX and XX/XX/XXXX ( 2 payments plus a late fee ), {$1200.00}. They seemed shocked that I could pay it in full. Eventually, they still submitted it to hit my credit report in XX/XX/XXXX or XX/XX/XXXX ( ca n't remember ) and I contacted Infiniti/Nissan Finance and told them the horrible family situation I had been in, it was n't that I could not pay, I was just extremely focused on another matter and had no reminder at all to pay it and it never crossed my mind. I asked could they please review it. They said they would pass it to the appropriate department and that I would get a phone call for discussion or an email notifying me of the decision that had been made. I never received anything and it is still on my report, so I called them in XX/XX/XXXX and they just said they reviewed it and the circumstance did not warrant the removal. So ... ..10 months before my second lease will expire where I 've made all previous payments on time ( and all payments after this occurrence ) ( almost 6 years ) AND when I found out I had missed this one I immediately paid in full, in a situation where my husband was so XXXX ill he almost died, they sent no reminders either via email or regular mail and left one voice mail from a number I could not recognize, they will not assist me in getting my impeccable credit rating back. As we all know, a 30-day late will drag my score down for a VERY long time, and we know they can fix whatever they are willing to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC
State: FL

Complaint narrative:
A loan for a motor home was taken out in my name at Green Tree Servicing LLC. Payments were made for a while but stopped leaving a {$2200.00} balance. Over the last year I have spoken to various company representatives about this problem repeatedly telling them this is not my debt, who took out the loan and how to contact that person. To date they have refused to pursue the proper party and they continue to threatening me if I do n't pay this balance. They have been reminded many time that they do n't have my signature on anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Loan was sold from Green Tree to Ditech, horrendous customer service and my account specialist dropped off the planet for two months before we were able to communicate about my situation, she was nonchalant offered very little options. 3 mos after my verbal attempt to do a modification, sent all documents requested they said I did n't qualify because I had XXXX already at this point I 'm now four months in the rear with payments. Green Tree never paid my property taxes, I had to retrieve the lien for property taxes unpaid, And they cancelled my insurance. In XXXX I received my default letter of course, no sale date but foreclosure threat. No written documents informing me that I was in an active foreclosure status. XXXX still nothing, I asked for a pay off which was never received by myself or the mortgage broker but we were told it was sent and had expired already and a new one would be higher and the attorney fees in the amount of XXXX XXXX dollars, even if the past due payments are less than XXXX XXXX on today XXXX/XXXX/2016. I so stressed from the ordeal, I ca n't sleep and its affecting my XXXX just getting through the IVR for customer service, after an hour on the phone verifying account specifics and your concern the call conveniently is disconnected. Each time the account is updated the same personal contact info is given, but no one called or wrote to advise me that they entered my home, took pictures and placed a lock box on my door.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I am a Ditech mortgage holder. I paid my bill on XXXX XXXX as normal via ach debit of {$810.00}. With no notification to its customers Ditech changed the account numbers and my payment went to the old account number not the new one. Ditech " customer service '' is in agreement and they see the payment in the system. I have been begging them for weeks to please simply apply the payment they received from me to the correct account on the day they received it. I have been met with lies, anger, total inaction, and pure contempt for such a low level request. Their computer system and billing shows that I 've paid nothing since XXXX XXXX. I am receiving calls from their collection agents, and threatening letters in the mail. They are wasting my time, my health, my good name, destroying my credit, charging unjustified interest, late fees, and wrecking all that i have worked so hard for decades. Their unqualified and nasty " managers '' and misinformed and unhelpful " customer service '' agents have the nerve to say that their verbal " assurance '' that they have the payment logged in on XX/XX/XXXX and are not charging me anything extra and that everything is just fine should be enough for me to be satisfied is SHOCKING!! The verbal assurance of such apathetic employees that could not care less about me means nothing, especially since what they are saying is completely illogical! Ditech certainly would never take my verbal assurance for anything, and i would expect the same in return. It is very simple, my account and payment status must reflect what I paid and when I paid it. PLEASE PLEASE PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
Ditech is reporting a late mortgage on my credit report. I have never had a mortgage or any account for that matter with Ditech. I called them to resolve this issue and was told all I can do is dispute the account on credit. I asked to speak to a manager several times and was refused. This is holding up financial matters I wish to persue. I need this taken care of ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: William D. Meeker Enterprises, Inc.
State: AL

Complaint narrative:
I found that someone did a hard inquiry on my credit 2 days ago and I am currently not applying anywhere for credit, I tried calling the company listed as CIC to complain but no one answered, I left a message.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Hi my name is XXXX XXXX and I had my mortgage account with ditech. I payed my mortgage from XXXX XXXX XXXX for 10 years, with 0 payments missing or late. But when I transfer the payment from XXXX XXXX XXXX to Amplified my mortgage company Ditech received payment from Amplified and tried to collect from XXXX XXXX XXXX, when the account was closed and they were notified. 
They are claiming that I 'm missing a payment and I have all bank notices showing payment to the account. I sold the house and paid off the account ( XXXX ). They will not release the title and now want to start foreclose steps. I have tried for months to correct this issue and they are not willing to correct the issue. They are constantly harassing me with calls from several agents daily once i explained the issue they are dismissing and refuse to help correct the issue. Now a XXXX dispute has turned in to XXXX with late charges and they are refusing to release the title to the house when I have provided the document showing all payment have been made to this account XXXX. I need a response immediately to address this issue. Please call me ASAP at 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 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
We had our XXXX mortgage with XXXX for quite a while and while with them, we had our payment set up to be auto drafted out of our account on the XXXX of every month. The payment, I was told, was not considered late until the XXXX so we set it up on the XXXX. It was taken out this way for years. The mortgage was sold to Green Tree Servicing ( now XXXX ) back in XXXX of this year. I called them and asked if I could set the mortgage payment set up to be auto drafted on the XXXX as we had done with XXXX. They said that would be fine. I asked if the payment would be late, and they assured me that it would not be if it was paid by the XXXX. Almost every month since XXXX XXXX XXXX has had this account, someone from their organization calls me wanting to know when we will be making our mortgage payment. I have had to call almost every month to explain that we have our payment set up as an auto draft and why are they calling? They usually say they are sorry and that they will not be calling in the future. Starting yesterday I started getting calls once again from XXXX and quite frankly I am at the end of my rope. We have NEVER BEEN LATE WITH THESE PEOPLE yet they do not seem to get the message that we have this payment set up to be auto drafted out of our account, which it has been every month on the XXXX, and that I do not want to be called about a payment that is automatic. I have been told by people at Green Tree Servicing that they should not be calling me and that the calls would stop. Yet, they never do. I do not know what else to do about this and I am so frustrated that I can feel my XXXX XXXX going up whenever I see their number on our caller ID. When I do talk to them and ask them why they are calling when we have our payment set up to be taken out automatically, they usually say, " Excuse the call. '' But I do not want to do this every month of my life going forward.

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