vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Despite meeting payment arrangement and paying earlier than agreed Ditech harasses us over the phone and by knocking at our door! 
It is unacceptable to have this company abuse its clients by unfair practices. They agreed to a payment arrangement, payments were made and paid balance due before agreed date. They have knocked at my door twice leaving nasty messages. Balance due was paid last XXXX XXXX. Today XXXX XXXX someone knocked at my door and left another nasty message. WHY? UNACCEPTABLE!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
My mortgage company offers an online payment option at a cost of {$12.00} per transaction, I have used it twice and have had the same result. The first time I tried several times to get a resolution directly through the mortgage company, they continued to charge me late fees and actually initiated foreclosure proceedings when in fact they had received my payment but did not credit my account. Unfortunately it as happened again, This time I do n't want to waste my time and energy going to the mortgage company because 1 ) they are offering a payment option and when used they do not credit your account and charge you late fees, 2 ) The frustration of dealing with multiple customer service agents, 3 ) the time and effort to correct a problem that is a result of their error. 
I have received a statement dated XXXX/XXXX/2016 that my account is 46 days delinquent and that I am in danger of foreclosure ; I have made the following payments {$1500.00} on XXXX, {$1400.00} on XXXX, and {$1500.00} on XXXX. The last payment was made via XXXX XXXX XXXX from their website. I received confirmation from the company of the {$1500.00} payment for XXXX ( Includes the {$12.00} fee ). What I do n't understand is they are now claiming that I have not made payments and they continue to rack up late fees. I would appreciate if they would review their own records, they are showing non payment for XXXX and XXXX which have been paid. I would also like them to review and reverse the late charges from this current episode and from the previous episode where I was charged late fees and attorneys fees for a payment made through their authorized provider for which they belatedly applied the payment in the previous incident and for which they have not yet applied the payment for the funds received on XXXX/XXXX/16. Additionally, if they are not able to complete the transaction with the current provider they have on their website, why do they continue to use said provider? Thanks.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Dear God, please do something about Ditech. I had XXXX mortgages sold to them by XXXX and Greentree. Half the time, Ditech 's website does not work. For a long time I had to pay THEM a fee to make an online payment. More often than not the website does not work. I never chose to do business with Ditech and XXXX different lenders/servicers sold my loan to this nightmare organization and there is absolutely no accountability. Rude and incompetent when Ditech is contacted. What a nightmare. Does n't seem to have changed after horse-racing XXXX XXXX was driven from the company after criminal behavior of its leadership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: DAS ACQUISITION COMPANY, LLC
State: MO

Complaint narrative:
Went thought USA Morgtage and DAS Acquisition underwriter at the last minute on last wednesday stated I need addition document of employment. My loan officer I have no issuse with its the underwriter of my VA mortgage put me and my family is a really diffucuilt sitution and loss hope and uncertaintly of using this house that the underwriter went though all the stages and getting our hopes ups, and making my family possibility becoming homeless over this sitution. Making our family think we got to pay all these inspections, apperaziles, and other paying all these fees. My finicial coach adivised me to contact you over this issuse. My name is XXXX XXXX my email is XXXXXXXXXXXX and my cell phone # XXXX and my wife name is XXXX XXXX here contact are email XXXXXXXXXXXX and cell is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have submitted each mortgage check to ditech ( I have XXXX mortages ) with them and they continue to post the money in the wrong account even though the correct account number is written on the check. I have recently tried to pay off my small mortgage and they applied it to the wrong account. They state that " they had a big computer update and it changed account numbers and many customers had that problem. '' However, that does not change the fact that they have messed up my account. They have told me to wait and I have waited 3 weeks! I call each day and they say it is being reallocated and " researched. '' I have my check stubs as backup to my claim. When I call, most of their representatives are rude and get snappy. They are not customer friendly and do not help customers try to resolve issues. I would have hoped that having an excellent payment history would help, but obviously they are too busy to care about their customers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We were baited by Ditech Mortgage company. We were told it would take no time our credit was good. We were never told that we must have a XXXX dollars in the bank for a refi. Instead we put out the money for appraisal XXXX. We are an elderly couple we explained that and never led them to believe we had extra cash in our accounts. Then we were told our appraisal had to be wrong because we purchase the house in XXXX of 2014 and in XXXX we were looking for a refi. We updated the house ripping out the kitchen putting in granite counter tops and new appliances. The appraisal came in XXXX higher then what we paid for the house. So Ditech was unhappy with that finally our appraiser wrote to them and explained. Then they demanded XXXX successive bank statements to prove we had one months mortgage payment. This began a nightmare for us. We used our savings and even made a late house payment to please them. The worse thing is they told us they saw we had not paid our mortgage thus rendering us unable to get a refi. IF in the beginning we had seen the FHA requirements or if Ditech had instructed us upfront we would have NEVER gone with them. Now we out of XXXX dollars and out of our mortgage which our lender is most helpful and understood what happened. We will clear this up by a double payment. In the meantime we have no money for this month groceries. Thanks to Ditech who owes us the appraisal money.

Company response to consumer: Closed
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
It first started in XX/XX/XXXX when I made three payments that month. We had been paying $ XXXX/ every two weeks, so in XX/XX/XXXX it worked out that we made 3 payments. They took the XXXX XXXX payment and applied it to principal and escrow. This was supposed to be for part of XX/XX/XXXX 's payment. Since then we have been considered a half a month behind. The in XX/XX/XXXX we had a returned ACH transaction on XXXX XXXX. We call on XXXX XXXX to notify the bank and they tell us it should go through twice. So we make a half of payment for XXXX and on XXXX XXXX we see another withdrawal labeled DiTech retry payment. We assume that this is the XXXX XXXX payment that was rejected. Now they are saying that they did n't get any money XXXX XXXX, only the over phone payment from XXXX XXXX. We faced them XX/XX/XXXX with bank statements and a letter from the bank showing the XXXX transactions. They came back and said our letter was n't legal enough and our bank statements were altered. We submitted again XXXX XXXX and have n't heard anything. I call and leave messages speak to agents all with no turn out or answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: VA

Complaint narrative:
Green Tree Financial calls up to XXXX times a day starting on XX/XX/XXXX. My mortgage was discharged in BK and I am current with my payment. I always make my payment at the end of the month and pay the late fees. The payment is not 30 days past due .Between this number and one other one, I can receive XXXX calls per 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 2016-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech / Greentree has held my mortgage for many years. XXXX XXXX, 2016 I received a report indicating that my escrow account was {$1500.00} + short and they were raising my monthly payment by {$100.00} to cover. This includes a " at their discretion '' {$500.00} + cushion. 
I understand insurance and tax rates increase but {$1000.00} in a year seems unlikely. Also since they have been managing the account they should have already established those balances last year and not come up short mid year. Why the sudden jump? It 's either mismanagement or just plain stealing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 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: IL

Complaint narrative:
XXXX XXXX calls from Summit Receivables at least once-twice a week. I do n't know what this debt is, but I receive calls from an unknown number from her and then XXXX from her XXXX on XXXX XXXX from a XXXX number XXXX and XXXX from her on XXXX XXXX from a XXXX number XXXX. In all the messages she leaves she says, " I 'm calling in regards to a file we have in your office ... ..trying to reach you in reference to this file. '' The message is very vague and then she wants me to call her at XXXX which is not the number she calls me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In XXXX of 2006, we refinanced our loan with Ditech, which became Greentree, and now is back to Ditech. In the course of the loan process there was a " Quit Claim Deed '' that had been signed and notarized to remove our son off the title. He is not listed on the mortgage. Ditech or the title company did not record the " Quit Claim Deed '' from what we can tell. It is in our copy of the loan documents, but is not a recorded copy. We have contacted Ditech, and they sent us a copy of the " Quit Claim Deed '', and now claim they do not have it and will not look into the situation further. We believe they know a mistake has been made because it was not recorded. My husband has died and we will be selling the house, however, my husband 's son will not sign the paper again. So I am trying to get someone to look at the original documents for the notarized copy and see if it was recorded as we have not been able to find it through the XXXX records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
We made a payment on XXXX XXXX, 2016 for our XXXX XXXX, 2016 mortgage payment. The payment was recorded as a principal payment and not our regular payment. We always add additional amounts to be applied to the principal. 

We have called ditech multiple times asking them to record the payment correctly -- interest and principal plus additional principal amount. We have received a different answer every time. We were assured the payment would be recorded correctly by a certain date that has come and gone. Our account is showing past due and we always pay our bills on time and we do not trust this company. They will not send us any documentation of our correspondences. I tried over and over last month to set up a auto pay and it failed every time to set up correctly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX reported 60 days late payments to the credit bureaus, for missed payments that are the result of their billing systems errors. My account has been set up with the XXXX XXXX Auto payment that pays {$100.00} on the XXXX day of every month. In XXXX and XXXX 2015, the Auto Pay feature failed, and XXXX XXXX has not been able to determine the cause of this problem. I am requesting help to expedite XXXX XXXX process and timeframe for removing the erroneous late payments from my reports with all of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
In 1998 I applied for a Parent Loan for {$3000.00} for my daughter who was attending XXXX. 
I was denied the loan, never received any funds. There are now XXXX loans reporting on my credit bureau reports as in default. The loan amounts reporting are in excess of {$12000.00} for XXXX loans. I have asked for copies of the original disbursement check, however I only received a copy of XXXX loan application. These loans are not mine and reporting in error. 
I request this be corrected and removed from my credit file

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 2016-02-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Ditech has called everyday for four days ( Tuesday, XXXX XXXX, 2016 - XXXX XXXX, 2016 ). I advised each caller that I had already spoken to someone in previous days. Today, I got two calls within two minutes of each other ( XXXX and XXXX ). Based on previous experience with them - especially with the representative XXXX 's manager -, I believe Ditech is purposefully harassing me to to force me to make promises of payment that I am not certain I can keep at this time.

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 2015-12-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
When we applied for a home equity loan, our bank contacted XXXX XXXX XXXX to do a search. We were called by the bank and told that company said there are XXXX liens against us. I knew that was wrong so I called the courthouse and had copies of the judgements sent to me. It only took me one minute to see that the only thing that matched was my husband 's name. Birth date, address and SS # were all different. I called the XXXX XXXX XXXX company and asked if I could send them proof that these liens were not ours so they could correct their records. They told me no because I am not their client and that I would have to go to the bank and have them correct it. I asked how they could make XXXX such errors and a manager, XXXX XXXX, told me that all they do is match a name to a county. They do not check further unless their client ( in this case my bank or their underwriters ) requested it. So I went to the bank and the manager said they simply have us sign a form declaring that those liens are not ours. They do nothing to correct the error or remove those liens from our report. I asked her to help me find a way to correct this because we did not want our name connected to these offenses. She said she would pass our request on to the underwriters. The underwriters accepted the document we signed declaring the liens were not ours but were n't interested in clearing up the error. Why would any company be allowed to attached lien information based on name only? We live in a small town and there are XXXX or XXXX men that we know of with the same name as my husband, XXXX. I ca n't imagine how many there are in the whole county. The manager at XXXX suggested we were lucky there were only XXXX. That 's XXXX too many as far as I am concerned!! If I had not been such a good customer and well known in our bank, this information could easily have been used to deny us a loan. Someone should be responsible for correcting this but so far no one accepts or cares about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have an unverified account from PINNACLE LLC. I had previously disputed this account. I have never done business with PINNACLE LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PINNACLE LLC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PINNACLE LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I recently paid a debt of {$160.00} from 2012 against my principles to the XXXX XXXX of properties, specifically the XXXX at XXXX XXXX. The reason for this charge was because they raised my rent, converting me to a month-to-month lease while I was on XXXX XXXX with the XXXX XXXX stationed at XXXX XXXX, MD. I was in the XXXX Transition Unit at the time, recovering from XXXX. My orders were modified three different times, altering my discharge date. I informed the front office of this and provided a copy of the orders. I offered to sign a lease, but was told it was n't necessary since I was in the military. Later, the property manager informed me that since I had not renewed a lease that I was to be placed on a month to month basis at a higher rate. I informed her at the time that I offered to sign a lease but was told it was n't necessary. This debt still exists because I do not agree with this business practice. I have certainly had the means to pay, but I felt it was wrong and also it is in direct violation of the Servicemans Civil Relief Act, which is supposed to prevent companies like XXXX from taking advantage of military members that are being housed temporarily due to military service. Unfortunately, my financial well-being has been damaged for too long as a result of this, so I am reluctantly paying the {$160.00}. I 've reported this behavior previously without it being resolved. The XXXX XXXX should be ashamed to earn money in this bait-and-switch fashion. In my opinion they should be investigated ; violations of SCRA are criminal penalties. Taking advantage of members of the military is about as low as it gets.

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 2016-03-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
This compliant is in regards to two late payments lodged on my credit report, via Continental Finance, the servicer of my XXXX XXXX, issued by XXXX XXXX XXXX XXXX XXXX XXXX, this company is falsely reporting two late payments on my credit file and not updating my credit report accurately and in a timely manner. In addition, this company is charging me an adsorbent amount on late fees and high interest on this account. This company has reported my account late to the credit bureaus on two occasions and refuse to remove this false information for XX/XX/XXXX and XX/XX/2016. I have been in good standing with this company and continue to pay my debt obligations in a timely manner ; I always pay multiple payments, averaging three times a month, outside the parameters of my monthly billing statement, so how could my account ever become delinquent, or past due, the probability is very highly unlikely. Please have this company remove the false entry immediately.

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