vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Has in the past threatened to take legal action but currently, when they call me, if I answer my phone they hang up. If I do n't answer it they k eave a message with a call back number. I call back and leave a message with no return call. This is a second mortgage on a house we lost in forclosure.i have been making payments to them every month for 5 years. I have even offered a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Green Tree Financial somehow got XXXX Loan AFTER bankruptcy ( 2009 ) and has REFUSED TO REMOVE IT FROM MY CREDIT REPORT. The Credit Bureaus REFUSE to remove this information as well. I 've sent Certified Mail several times. The " non-payment '' history is impacting my credit negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
DITECH, AND XXXX ARE ATTEMPTING TO SALE MY HOUSE ON XX/XX/XXXX ON THE COURTHOUSE STEPS. THE ASSIGNMENT THAT IS BEING USED IS ROBO SIGNED, THE ASSIGNMENT WAS CREATED AFTER THE CUT OFF DATE OF THE TRUST. THE ASSIGNMENT IS FRAUDULENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
Yesterday I received notice from XXXX, a credit reporting service I use, that my mortgage company, Ditech Financial LLC, had flagged my credit account for several " 30-day late '' and " Not more than two payments past due ( 2 ) '' negative designations. I have never been 30 days late mailing my monthly mortgage payment to Ditech, Green Tree, XXXX, or any of the various mortgage companies that have held my mortgage over the past 20 years. Ditech has flagged my account to give the false impression that I have a history of being late with my mortgage payments. When I tried to investigate these false accusations, none of the XXXX credit reporting agencies would allow me to check my credit report online for free, even though I was informed my credit file contained erroneous info. I tried to call Ditech, but their customer service people were off for the weekend. I tried to send them a message on their website, but was told the message option was n't working, so I had to call. I will call Ditech again Monday evening after I get off work. But here and now, I am respectfully requesting that I be allowed to view each of my XXXX credit files at no charge to see how many times my credit has been false marked with negative information and I am disputing any and all late payments. Thank you. XXXX, XXXX, MO XXXX P.S. One of the alerts I received yesterday indicated my XXXX 2016 mortgage payment was 30 days late. I am uploading my cancelled check which shows I was not 30 days late with my XXXX 2016 payment. Let me know if you need any other documents in order to prove that I do n't have a history of late payments. I 'll be glad to upload or mail you anything you need. Thanks again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: AAA Collections
State: ND

Complaint narrative:
I believe that this phone number is for a debt collection XXXX. There are several issues with the way they are attempting their practice:1 ) they have called from the following phone numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX - all of these phone numbers when GOOGLED do not reflect XXXX nor any company even close to that of a Debt Collector. Rather, for example on phone number ( XXXX ) XXXX when you look it up online, it states it is for XXXX XXXX in XXXX XXXX, SD. This is a deceptive practice and as a debt collector, they should have to clearly identifiy themselves. 
2 ) the company has continued to call my cell phone repeatedly daily and when I do not answer the calls because I am at work, they have recently attempted calling my phone at work - which I never provided authorization or the phone number to do so and I would like them to stop calling that number IMMEDIATELY. 

Further if they are attempting to collect a debt, why are they not leaving me a voicemail message with a call back number? This is a shady practice. My voicemail clearly states my name so even leaving a brief message of this is XXXX calling for XXXX XXXX regarding her account, please call us at XXXX would be better than nothing. XXXX XXXX XXXX practices need to clearly be investigated for proper actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: United Debt Holdings, LLC
State: FL

Complaint narrative:
Several friends and family contacted me that a company called XXXX at XXXX used illegal phone tactics. In particular a person identifying herself as XXXX XXXX, like telling them they have a file ( # XXXX ) and they needed to talk to the owner of the property I live in regarding a legal issue against me. I have at least 3 people who corroborate XXXX XXXX tactics. When I called XXXX, she refused to provide any info such as their address, and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I never received my mortgage statement/bill for XXXX XXXX 2015 from Ditech financial as is required. I attempted to contact them by phone both to find out why I had n't received the statement and to arrange a payment so I would n't be late. After and endless time on hold waiting to speak to a rep I hung up and went on-line to make a payment, again so I would n't be " late ''. I made the e-payment, along with a {$12.00} fee, on XXXX XXXX. Received my statement/bill for XXXX XXXX and it showed I had n't made the XXXX XXXX payment and I now owed them a late fee. This time I was able to reach a rep by phone. She said that the payment I made on XXXX XXXX was slated for XXXX XXXX in their system. Claimed I had set it up that way so that I was in act late. I pointed out that I had n't gotten my statement as required by law, that I 'd used their system to make a payment on the due date, and I wanted the fee dropped and the record to show I 'd done what I was supposed to. She refused. So, they did n't get me my statement, their system screwed up my payment, but I 'm held responsible and getting charged and having a " late '' on my record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
A tree fell on my mom 's home after a terrible storm early XXXX. The insurance company and the contractor responded very quickly and was able to get everything fixed within a month. The first payment from the insurance company, payable to my mom and Ditech was on XXXX XXXX. The check with all the supporting documents were sent to Ditech and receipt was confirmed. Ditech promised a XXXX10 days turnaround of 95 % of the check amount. We have NOT received any payment from Ditech. Many calls some of which I have recorded has yielded nothing but frustration. I advised them of the completion of the work on XXXX/XXXX/16 and an inspector was 'dispatched ' to call me. I have heard from no one. 
The last call to Ditech on XXXX/XXXX/2016 advised that no money will be sent until the final inspection. Which I was told was ordered on XXXX/XXXX/2016. We would certainly like all the funds released so that we can pay the contractor and the tree removal company and avoid any legal actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
A second property that I previously owned was foreclosed on XX/XX/2011. This property had both a first and second mortgage on it with XXXX XXXX XXXX. The first was properly foreclosed on and was properly reflected on my credit bureau. The second mortgage was sold to a company that is now calling itself Ditech Financial. This loan states that the account was charged off however it is still reported with a past due status on my credit report. When I contacted the company to resolve the issue, they attempted to collect money from me ( even though the credit report clearly reflects that the loan has been charged off and written off their books ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation
State: TN

Complaint narrative:
I received a loan from world finance and and lost my job and tried to use the credit life protection that was included in my loan and was denied and sent to collection now i have mutiply collection account when i was enrolled in a service i could n't receive

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
loan sold to Green Tree ... awful awful ... now Ditech..awful, awful ... I have been on a repayment program which was to XX/XX/XXXX, yeah! now had a notice payments going up {$150.00}, according to some stupid escrow rule they have, ..when I called, they blamed it on XXXX, of course, and the way they handled my loan. 

How are these people still in business??? Who can help us???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In XX/XX/XXXX our current mortgage provider was XXXX XXXX XXXX. In XX/XX/XXXX Ditech would take over. Payment for XX/XX/XXXX check # XXXX was mailed to XXXX check cleared back on XXXX XXXX. We have called Ditech to dispute XX/XX/XXXX payment with no resolution. Ditech has image of check and promised payment would get applied to account back in XX/XX/XXXX. Still nothing, at this time i am in the middle of a refi on a different property and the are requesting a letter from Ditech. Numerous calls with promises they will take care of it and no resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
We mortgaged our home with XXXX on XXXX/XXXX/XXXX. XXXX assigned the loan to XXXX Bank. XXXX transferred the loan to XXXX on XXXX/XXXX/XXXX. XXXX escrowed {$26000.00} from XXXX XXXX to replace our XXXX. XXXX released {$8900.00} on XXXX/XXXX/XXXX. The XXXX replacement was completed by XXXX XXXX on XXXX/XXXX/XXXX. XXXX transferred the loan servicing, including the insurance escrow funds, to Green Tree Servicing on XXXX/XXXX/XXXX. Green Tree did not advise us that they had the XXXX escrow funds and has refused to release the escrow funds to pay XXXX Roofing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Loan was sold off to Greentree with clear directions for taxes to be paid from our escrow account. XXXX months after Greentree took over we received a late tax notice from our county treasurer. The loan documents given to Greentree at the time of transfer clearly state that taxes are to be paid through escrow. Greentree took not only a lump sum escrow payment at transfer ( specifically for taxes ) but has also been collecting escrow money from our monthly payments ( specifically for taxes ). When we called to see why Greentree was not paying our taxes from escrow we hit a wall of ineptitude and rudeness. Greentree required we send a copy of our late tax bill to their escrow department even after verifying that the original loan documents did indeed state that taxes were to be paid from escrow. Why are customers required to clean up the messes of Greentree when it 's their backwards company policies that are causing these issues? Why do consumers have no say on who buys their loan from their original servicer? Why is Greentree allowed to still do " business '' even after settling with the government for just such infractions? A horrible company with horrible staff. Steer way clear if you have any choice in the matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
Mortgage Company XXXX XXXX sold my loan to Green Tree Servicing LLC, Green Tree Servicing LLC was purchased by Ditech is now called Ditech. I have not and did not receive any information regarding this company name change and also have not received any correspondence from Green Tree Serving or Ditech in reference to my Mortgage Loan statement or Balance due since XX/XX/XXXX. I 'm currently in he process of loosing my home due from loss of income XX/XX/XXXX and have been working with Green Tree Servicing LLC since XX/XX/XXXX to resume my mortgage loan obligation since re-employment XX/XX/XXXX. Green Tree has denied me every program advertised to prevent foreclosure. I am currently working with Indiana XXXX XXXX XXXX and very positive this is my last chance to save my home due to working with clinic exploring all prevention possibilities that my own mortgage servicer could not or would not. It has been very difficult communicating with Ditech, there mission is to Foreclose on my home and not work with me now that I am employed and can resume monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Credit Bureau of Lancaster County, Inc.
State: PA

Complaint narrative:
This bill is from a hospital emergency room as a result of a car accident that the insurance company should took care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 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: VA

Complaint narrative:
Have been receiving calls from XXXX at Summit Receivables ( XXXX & XXXX ) regarding a debt for XXXX XXXX XXXX at phone # XXXX. The phone number is my XXXX number that I have had for over five ( 5 ) years, but I do not know the above mentioned XXXX . XXXX. Today was the fifth time the agency has called and the fifth time I told them that there is no XXXX . XXXX with this phone number. Please advise how I get them to stop calling me!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
I have had XXXX issues with my federal law school lender ECMC/XXXX. I am not alone, it is a potential class action lawsuit because many borrowers have had the same experience with ECMC. 

In 2007, I was laid off and defaulted on my federal loans. I contacted XXXX to rehabilitate my loans. They promised if I made XXXX on-time payments they would place my loans with a new lender and rehabilitate them. I made the payments but the financial crisis happened and XXXX breached its agreement because they could not find lenders to buy student loans. So they did't rehabilitate my loans and just disappeared. 

Eventually, maybe 18 months later, XXXX was bought by ECMC. ECMC added tons of collections fees to my loans and refused to honor the rehabilitation deal with XXXX. Debt collectors harassed me despite my written complaints and ECMC refused to provide me with my/XXXX XXXX and a breakdown of my debt/fees. 

ECMC garnished my wages without notice, garnished an impermissible amount ( XXXX % ) and then denied me arbitration. 

Internet message boards show many consumers with these same complaints against XXXX/ECMC. 

The ECMC Ombudsman was nice but ultimately could n't help me and ECMC issued notice that either I agree to their amount and pay, or not pay and remain in default. There is no option to pay while I continue to dispute the fees. If I make a payment to them I am agreeing to an additional $ XXXX in fees!!!! My loan was for $ XXXX and now ECMC claims it is $ XXXX with fees! I am trapped. 

ECMC responded to me that Federal student loan issues fall outside the CFPB protections because of a recent lower court case. 

The Dept of Ed Ombudsman will only verify the amount owed ( although they did find errors and made a reduction ), they will not help with substantive disputes. 

I offered to negotiate to pay a settlement to resolve this but ECMC wants me to pay them $ XXXX! I only borrowed $ XXXX!! have you ever heard of a settlement for 20 % more than the amount borrowed?!?! 

I have hundreds of pages of documentation/correspondence to verify the above.

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 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: VT

Complaint narrative:
Asked for a loan modification from XXXX XXXX XXXX XX/XX/XXXX. For six years I have hired XXXX lawyers and filed XXXX Dodd-Frank Modifications packages. I have spent over {$9000.00} in legal fees. My interest rate on the mortgage is at 8.875 %. Green Tree Mortgage Services acquired the note in XX/XX/XXXX-XX/XX/XXXX and offerred another loan modification package. This was done. Unfortunately, they chose a " Bait and Switch '' approach. Green Tree did not modify the interest. Now the interest amount totals well over {$170000.00} +/- plus the principal of {$200000.00}. Green Tree offerred a 4.125 % on the pricipal, but chose not to modify the interest amount. The house is under water and not worth the mortgage amount of XXXX. The town as a value of {$190000.00}. 
Before XXXX sold the note to Green Tree, representatives broke into the house and winterized the house without my consent. Also, XXXX representatives told tenants who were living there not to pay the rent. Nearly {$11000.00} was lost. 
It is my belief that XXXX and Green Tree do not want to modify the principal nor the interest amount. XXXX has acquired a judicial sale date, but I met the three month trail period. Because of BA duel tracking and Green Tree refusal to modify, my credit score has suffered and I am having difficulty in refinancing this loan. 
This is my e-mail address : XXXXXXXXXXXX. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
As per case # XXXX ... Green Tree stated that they did not assess any late fees to our Account XXXX. XXXX with them which is now paid and closed. However, in their own accounting of the statement sheet they attached to their response to that complaint, there 's {$500.00} listed there under the 'late fee ' column. Since we disputed any late payments ( we did n't pay late ... Green Tree was applying the payments late due to our bankruptcy ), we want Green Tree to refund that money via check XXXX {$500.00} XXXX since they said they did n't assess it anyway as follows : '' ... there has not been a late fee assessed to your account, nor has there been any negative reporting to the credit bureaus. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Bank returned a payment check made on our account because it was over the amount of the balance. According to both the cardholder agreement and a telephone conversation with Capital One Bank on XXXX/XXXX/2016 only balance transfers made online are required to be submitted for an amount at or below the balance due. This payment was made with a two-party check endorsed from our company to Capital One Bank. Instead of returning the check to our address on file, Capital One returned the check to the payor address listed on the face of the check along with a letter with account specific information ( email confirmation of details provided to third party attached ) including balance details. Providing this information to a third party without our express consent is a violation of both the Capital One cardholder agreement and federal law.

Company response to consumer: Closed with explanation