vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
On XXXX XXXX, XXXX I contacted XXXX XXXX, which served as the provider for the Accidental Death and Dismemberment Insurance carrier paid through my Ditech Financial, LLC mortgage regarding the cancellation of my policy. The representative at XXXX XXXX cancelled my policy, making the effective date of cancellation XXXX XXXX, XXXX. However, I have continued to be charged by Ditech Financial, LLC each month the {$24.00} premium for this policy, despite the policy being cancelled. I contacted Ditech in XXXX and XXXX of XXXX and I was told both times that the policy had been cancelled and I will no longer be charged, however as of my most recent statement I am still being billed the XXXX and have not received any credit or refund for my excess payments. 
I also have attempted to obtain a loan modification through Ditech. On XXXX XXXX, XXXX I completed a loan modification request form and attempted to submit it electronically through the link provided on my customer account portal online. I received an error that the link was not available. I received the same error message daily for the next week. I contacted Ditech directly on XXXX XXXX, XXXX and I was advised to submit the modification request through a link that was provided via email. I submitted the request and was advised that I would be contacted within XXXX - 10 business days regarding my request. I have not received any follow-up regarding my request to this date. When I contacted Ditech on XXXX XXXX, XXXX I was advised to allow another XXXX - 10 business days as they were working on a backlog. I still have not received a response to this date.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
After discovering a recent negative account added to my credit file, I contacted the Debt Recovery Solutions company located in XXXX XXXX inquiring about the account. I was informed it was a physician bill from XXXX years ago. I challenged that I would owe a physician {$630.00} as I have always had insurance and asked for proof. After XXXX weeks, I called a XXXX time stating I did not receive the requested information. The lady was very rude, overtalking me and I had to ask her to let me finish my sentences. I informed her that I would be researching the validity of the account and asked what the discount would be for me to pay it, if it is found valid. I was informed that {$530.00} would be accepted. After contacting XXXX XXXX XXXX XXXX XXXX XXXX ( my insurance provider for the last XXXX years ), they stated the physician, XXXX XXXX, never filed a claim for rendered services. The fact that their office did not file a claim to my insurance company, within XXXX months of service as allowed, can not leave me liable for the fees charged. Furthermore, I never received a notice of collection prior to this appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
This is a response to the company 's response. We disagree and dispute the company 's response. 
Please see the detailed attachment which shows that Ditech is harassing us and claiming that we are behind in payments, even though we have cancelled checks which show that Ditech is lying and committing fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group
State: TX

Complaint narrative:
Revenue Group is calling me frequently to collect a debt I am not responsible for. They called a few time almost every day.

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: AP

Complaint narrative:
Ditech Financial LLC, seems to have creative accounting practices. I had a " Green Tree '' mortgage that was moved over to Ditech due to their legal issues. I have incurred an advanced debt on my account. The debt I was told, occurred in 2011 for property maintenance that was conducted on the home. My account was charged over {$200.00} to cut the grass and various charges that are excessive. These fee 's are very questionable at best! I have called Ditech concerning paying off the debt. I was told to send a separate check with written direction on where the extra money is to be applied too. I have written on the check and the payment coupon on where the extra money is to be applied you. I have done this countless times. They have taken the money and applied it to either my escrow, advanced interest, or in an unapplied balance account. My escrow now has over the amount need to pay my property tax. I pay my own insurance. I also have balance in my unapplied balance account. They never apply the money to the advanced debt. They continually charge my mortgage a monthly late fee and a property appraisal fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I refinanced mortgage and according to Ditech Financial, the loan was paid on XXXX/XXXX/2016. At that time, my escrow balance was {$4600.00}. However, Ditech Financial deducted another MIP premium payment for {$300.00} on XXXX XXXX, 2016, after the loan was paid off. 

According to my title company attorney, Ditech should not have taken any more full MIP payments after the loan was paid off. 

Can you please help? 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: AAA Collections
State: SD

Complaint narrative:
the two collection companies that has called, served me with papers and has sent a sherriff to my home to seize my assests. the hospital has billed me for my daughter who is now and was on state XXXX at the time of her visit. I had a visit and at the time I had insurance through my work. I was having terrible XXXX XXXX and I waited for the day for my insurance went into affect, and waited for my H.R. lady to print out my information to give to the hospital. they never filed atndnd XXXX days it 's too late to pay for that date. another is for the day my son was born. I have a XXXX dollar bill. I was on state XXXX and so was my son. the hospital told me XXXX did n't pay because they said I had and private insurance st the time when I didnt. I called XXXX and they went back and researched the dates and they said they paid out. in returning the call to the hospital, the lady I spoke to reviewy file and she said that the bill is final and the boars refused to look over my case anymore. why should I be responsible for this when I was on XXXX. these bills that either were n't submited correctly or at all and is being refused to look at again is unfair. this is killing my credit. not to mention I ca n't afford it. the representatives at these collection companies are extremely rude. they do n't want to hear what you have to say. you ca n't work a payment arrangement with them because they want what they say you have to pay and if not they will send a sherriff out to your home to say care you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
They would not modify my XXXX mortgage under the HAMP program even though I modified my XXXX mortgage with XXXX and made unlawful threats to me by stating they would arrest me, seize my property, garnishment of wages, and foreclosure, and used loud and abusive language, mocking my financial struggles, and yelling and cursing at me. They also added insurance to my account and told me they would not allow monthly payments and wanted the entire balance up front. The company also revealed debts to my employer, neighbors, and family members, and encouraged them to tell me to pay the debt or help them pay 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 2017-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech Financial LLC reported this out of statute supposed debt as written off to the IRS without validating the debt when requested to do so in writing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Paramount GR Holdings, LLC
State: WI

Complaint narrative:
This complaint is against paramount equity at XXXX XXXX XXXX XXXX, california, first they told me that my husband and I were approved, and that we should hurry to fix our upstairs bedroom, so my husband and son bought the supplies, charged it on our credit card to hurry and finish the room so the assessor could take a look at the house, then had to fix all the thing that they needed done. So we hurried to get that done. Hurry hurry to get it done. Then they needed all kinds of paper work, one of the workers said they needed one years worth of my checking with my account number on it which I thought was odd. It was to prove that I was getting XXXX. They said everything was good, then everything stop. They said they could n't find our car loan on the credit report, and kept checking our credit report, they said our car loan was not showing up. Is it going to show in a couple of days. Then they lied to us : stating that we were going to get XXXX when we signed. Then they said we did not have enough debt ratio, so they said we had to pay off our credit card and we were going to get only get XXXX dollars equity off our house. What the XXXX are they doing. Who are they to tell us what to pay? With the equity in our house. We also had to pay XXXX for the appraisal by the way and put that on our credit card. And what they did n't realize is we put over XXXX on our credit because of them. Then when I questioned all the charges they had made they gave me all kinds of explanation of what it was for. When I questioned a credit union in my home town the charges came up to XXXX. So I just did not get all the charges they had down. One more thing is that they contacted our insurance agent and told her to put my home owner insurance to send it to them. When the papers were not even close to being signed. Now I owe my insurance 2 months worth of payments to catch up on now. So I 'm writing this to see if they could get checked out. That thier on the up an up. And I would like to get reimburse for the appraisal money. I guess I ca n't use it anywhere else. After all it 's because they lied a lot on what was going on. Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 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: VA

Complaint narrative:
XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX CIC credit on my XXXX report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CIC CREDIT To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature 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 2016-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
For the past three months ( XXXX 2016 - XXXX 2016 ) I have made my scheduled monthly mortgage payment through the ditech website at www.ditech.com, and each month I am having to follow up with each payment because they are not being credited to my account. The monthly statement will show payment received but because I make note of my principle balance each month I noticed it does not decrease. When I call and speak with a representative they state the payment is " sitting in the unapplied funds account ''. If I am making my scheduled payment amount, no more nor no less than what I need to pay why are my payments not being credited to my loan? I should n't have to follow up every month to ensure Ditech is crediting my payments as they should. As a consumer this is very inconvenient and makes me question if my payments are even being applied between escrow, pmi, interest, and principal correctly. I 'm sure this must violate the Regulation X, RESPA in respect to Prompt payment crediting.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I received a statement from ditech notifying us that any partial payments ( additional but not yet an entire month 's payment ) will be held in an " un-applied funds account '' until it totals an entire mortgage payment, then they 'll apply it to the mortgage. We 've been on time with our payments the length of the mortgage ( 5+ years ) and have been paying a little ( {$65.00} ) extra per month to be applied toward principal. Based on this statement, instead of applying to reduce our principal, they 've created an " account '' that now has {$360.00} in it. This " account '' has no benefit to me ; it is not earning any interest nor has it been applied to my principal. I contacted ditech today and they said, " oh you just need to call us and let us know, we can make an exception to your account to apply these extra amounts to principal. '' While perhaps my account is now squared away ( I 'll keep checking ), this seems like a pretty deceptive practice as a whole. It is my understanding that payments should be applied to the benefit of the borrower, but this practice clearly offers no benefit to borrowers, particularly those who are current and who 's loan is in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have had a mortgage on the same house for over 25 years. I have never had a late payment. Green Tree is now saying I have had late payments and is trying to assess late fees despite proof to the contrary. I make my payments by phone each month. This past month their phone lines were down and I was unable to reach anyone for 3 days. The calls were cut off when trying to reach a live person. The prior month GT indicated my payment was received a day late despite phone records to prove otherwise. When attempting to make a payment on-line one is allowed only to pay the amount listed despite disputes to the contrary. Their employee 's are rude and incompetent. They have repeatedly lied about information they have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My XXXX payent was 10 days late. They called me every day and harassed me even after I told them when I could make the payment. XXXX 's payment was on time. Here it is XXXX XXXX and a girl calling herself XXXX called to harass me about XXXX payment. It 's not even due yet! They are so rude and ask the same questions over and over, when you think they are finished they say they need to pass you to a supervisor and then you go through the same thing all over again. I asked why I needed to speak with a supervisor and she said to confirm my information, I think it was just to waste my time and badger me. I did n't choose Greentree, they bought my loan from XXXX. Ca n't wait to be done with them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX : Request for investigation to correct my Credit Report Penny Mac USA Loan # XXXX To whom it may concern : Two years ago I borrowed money from Penny Mac USA as a Co-Borrow. Last week I discovered that during the last 24 months, payments were not made timely and several payments had not been made at all. 

On XXXX XXXX, XXXX I was denied a home equity loan with XXXX XXXX. That was a Red Flag to me as I " have not '' been denied a loan in the last 25 years. 

As a XXXX I have spent my entire life protecting my credit. ( EXHIBIT A - See attached XXXX FICO score from XX/XX/XXXX at which time it was XXXX ) This has been hanging in my office for nearly XXXX years. 

I pulled my XXXX credit report. ( EXHIBIT B - See Attached ) Note that every debt without exception says NEVER LATE, with XXXX exception - Penny Mac USA. 

On Friday XXXX XXXX I immediately mailed a Cashier 's Check in the amount of {$7000.00} to bring this loan current. ( EXHIBIT C - see attached ) In the banking industry when a loan is delinquent or past due, " Best Practices '' would dictate notifying all " Co-borrowers '' if the situation was not immediately resolved by the primary borrower. 


According to the Bureau of Consumer Financial Protection, Regulation X, 7. Early Intervention with delinquent borrowers ( XXXX RESPA Servicing Final Rule. ) " Servicers must establish or make good faith efforts to establish live contact with borrowers by the 36th day of their delinquency and promptly inform such borrowers, where appropriate, that loss mitigation options may be available. '' Please note that this final rule does not say only contact with the primary borrower, it says " borrowers ''. Plural - BORROWERS The purpose of this letter is to inform you that I consider PennyMacUSA 's servicing ( handling ) of the above referenced loan has been GROSSLY NEGLIGENT PennyMacUSA " NEVER ONCE '' contacted me as the co-borrower regarding any late or delinquent payments. Not one phone call, Email or letter was ever sent to me, yet the delinquency was continuously unfairly reported to the credit agencies. 

I have made multiple ( seven phone calls ) to PennyMacUSA and they tell me they MAY have a policy ( protocol ) issue as it relates to contacting co-borrows but say they can do nothing to help me fix this situation. 

I am not sure what can be done at this point to my credit, but anything that I can do to assist you in helping me restore my credit would be greatly appreciated. 

Please feel free to call me on my Mobile ( XXXX ) XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: HI

Complaint narrative:
I am a Mortgage broker and have been work with a family that owns a home on Hawaiian Home Lands. The own the lease, and have a great need to refinance. Their current rate is 6.74 %. 
XXXX and XXXX XXXX have never been 30 days late in paying their mortgage to XXXX XXXX XXXX since XXXX. However, the mortgage was sold to Penny Mac on XXXX XXXX XXXX. You can see the print out from Penny Mac showing a late fee of {$1100.00}. How can this be late when no notice was served?. Attached are copies of checks of payment for the months of XXXX, XXXX XXXX showing all payment to XXXX XXXX XXXX were paid on time. Once the mortgage was sold to Penny Mac everything went sideways. The first payment to Penny Mac show a last fee of {$1100.00} but was never reported late? Attached is a print out from their account with Penny Mac which shows all their payments. 

A late payment ( greater than 30 days ) was reported on XXXX XXXX. That month the payment increased from {$2900.00} to {$2900.00} without prior notice. In XXXX XXXX, they accidentally paid the old payment of {$2900.00}. However, they paid the difference by the end of the month. How can this be thirty days late? We need your help! My clients have called Penny Mac many times and have had no results. WE want to have the late payment removed from the XXXX credit report ASAP. Sincerely, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation