vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
My loan was with XXXX XXXX XXXX. My payments were {$540.00} a month. My taxes were n't included in my loan payments. I became {$1000.00} behind on my taxes. I decided to make payment arrangements with treasurer of the city of XXXX to get my payments up to date. The bank decided to take over the payments and raised my mortgage payments to {$780.00} a month. After three months it went down to {$730.00}. I started struggling with the payments. I became one month behind. The mortgage company sent me paperwork for a long modification. Instead of lowering my payments they raised my payment to {$830.00}. After a month of trying to pay that amount I called and told them I could not afford {$830.00}. I was then XXXX months behind. I was told by the mortgage company that the only other option was to move out and do a short sale or a deed in lieu. I decided to move out. I was told by the mortgage company that they could issue a short sale or a realtor was able to. I moved out of the house in XXXX 2014. I was told to let them know when I moved out. I called them in XXXX and I was told that XXXX XXXX XXXX would no longer be servicing my loan. Green tree would be taking over and I should probably give them until XXXX to get up to speed on my account. When I called in XXXX my account was still not in there system. It was closer to XXXX that I was fully in their system. When I mentioned the short sale to them they told me that 's not how they do it. I would have to list my house for sale and try to get regular price for the house. She said let 's try to do a modification. I told her that XXXX XXXX XXXX already denied me. She said my case was easy. She had seen a lot worse cases. She then denied my modification request after two months of sending in information. Now for six months I 've been trying to do a deed in lieu. I 've sent the same information in five or six times. I have no idea what 's going with the process. No one sends information. I had to look at my credit report to find out they foreclosed my house. But when I ask them has the house been foreclosed I 'm told no. They padlocked the door and I asked them Why are telling me to remove everything out of the house for the deed in lieu when you already padlocked and foreclosed on the house. They keep telling the house has n't been foreclosed, I feel like their trying to catch me off guard in order to prevent bankruptcy. I would have known the process would have taken this long I would have never left the house. In the beginning I wanted to keep the house, now I just want the process to be over with. This is like a slow death.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I have a missed payment on a loan that is my ex-wife 's double wide. She got the double wide in the divorce. The loan company would not allow her to refinance due to her credit. The judge put an order in that no matter what her payment history was, it could not affect my credit. That has been 15 years ago and she has been late on a regular basis. The loan company has just started putting it on my credit. Please help. I have worked very hard to get my credit good, and no it is poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
We paid the first installment of our XX/XX/XXXX real estate taxes on XX/XX/XXXX in the amount of {$7200.00} & {$430.00} ( interest ). The payment was approximately two months late. Our mortgage holder, Greentree Financial/Ditech, used this as justification to impose a Forced Escrow Account that would be attached to our mortgage account.Greentree Financial/Ditech 's subcontracted tax payment vendor, XXXX XXXX was notified about the late payment, and they SUPPOSEDLY sent a first installment check to the XXXX XXXX XXXX 's office but NO payment from XXXX was ever received or processed for this first installment by the XXXX XXXX XXXX XXXX XXXX, onlyOUR payment was received, and it was applied to the tax bill. On XX/XX/XXXX, we paid the second installment of our taxes, {$4500.00}, which was credited to our tax account by the XXXX XXXX XXXX 's office. Greentree/Ditech 's subcontracted Tax Vendor, XXXX sent a check AFTER our taxes were already paid to the XXXX XXXX XXXX XXXX on XX/XX/XXXX. That check hasbeen sitting at this office since that date, and it was never applied to our account because there was no outstanding balance. All this information can be verified with the XXXX XXXX XXXX XXXX XXXX, and we have attacheddocumentation validating this information with confirmationnumbers and dates of payments and payers. In XX/XX/XXXX, we began contacting Greentree/Ditech about this issue, urging them to contact the XXXX XXXX XXXX XXXX XXXX and have their funds returned. We sent letters, faxes, made calls, etc. We supplied documentation from the XXXX XXXX XXXX 's XXXX showing that the taxes were paid in full by us, and that no funds from Greentree/Ditech had ever been applied to our account. The XXXX XXXX XXXX XXXX XXXX told us that Greentree/Ditech must request that this check be returned to them, but they have never done this, in fact they have refused, because they want to impose the Escrow Account to our current mortgage. Our current mortgage payment was {$1400.00} per month, with the new Escrow Account, the proposedmortgage payment and fees would be over {$2900.00}, a 100 % increase in our monthly payment. We have decided to pay off the principal balance of ourmortgage this month, {$31000.00} ( plus interest fees ). The Escrow Account that was to begin this month should be voided, as it was to be initiated in XX/XX/XXXX, and the mortgage will be paid off before XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Ditech Financial did not pay my county taxes with my escrow funds they collect, this resulted in delinquent taxes with late fee 's, penalties and interest being added to my tax account. I contacted Ditech ( XXXX XXXX ) via email & Customer Service via fax on XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 each time they said they would take care of the taxes. I spoke with XXXX at DiTech XXXX/XXXX/2015 he said they would pay the property taxes. XXXX/XXXX/2015 I paid the taxes myself including the late fees, interest and penalties ( receipt attached ). XXXX/XXXX/2015 Ditech ( XXXX XXXX ) was contacted and sent my receipt ( via email ) showing I paid the the taxes & penalties, he said they would reimburse me for the interest and penalties. I have submitted written requests to DiTech ( XXXX XXXX & Customer Service ) on XXXX/XXXX/2015, XXXX/XXXX/2015 & XXXX/XXXX/2015 to reimburse me for the penalties and interest I paid as a direct result of Ditech inefficient servicing practices. This is fraudulent servicing practices and Ditech is in default of the service contract.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
I have been trying for two years to sell my home. It is a toxic asset and needs to be let go at a short sell at the very least. I also qualify for a deed in lieu due to relocation, which I have twice been denied. I finally have an offer on the home ( first offer in two years ) and was again turned down by Ditech. 

I have received absolutely no guidance from this servicer on how to handle this home. I have stated repeatedly I am out of time, money and options and need help. Nobody wants to listen because up until very recently I was able to keep the mortgage current. Now I 'm behind and they finally want to talk, but only about my statement. They do n't want to talk about how to get rid of this property. 

There is an offer on the table. They refused to be of any help in finding out what I need to get XXXX to accept the offer. I 've only been able to speak with my actual account rep twice and she was of little help XXXX times. I ended up bypassing Ditech entirely and contacting XXXX directly where I learned about an additional resource to escalate the process of a short sell. I repeat - there is an offer on the table and Ditech was of no help in getting XXXX to accept it. 

To say Ditech has been a terrible communicator would be giving them a lot of credit. I am done playing games with them.

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 2017-03-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I had my student loan set up as auto pay and within the last 3 months started receiving daily phone calls from Navient that my student loan payment was 1 year past due. The person who I spoke with said that they had allocated the wrong amount of the payment to the XXXX separate loans. They told me that I owed {$360.00} and then the next customer rep told me that I owe {$570.00}. He told me on XX/XX/2017 that there is XXXX loan that is 60 days past due and I needed to pay that now ( {$130.00} ) so it does not affect my credit so I did and then he told me that XXXX of the loans are now 30 days past due and I will have to pay them on Monday XX/XX/2017. I 'm still receiving numerous calls from them at all hours. I just received a call at XXXX and they call me on Sundays. I logged on to my Navient account on- line and it indicates that I only owe {$330.00} for all the loans. I am not getting any correct information and I am very confused as what is happening. Could you please assist me with this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I was offered a Loan Modification Trial Period Plan by my mortgage company, Ditech Financial, XXXX on XXXX XXXX, 2016. Based on the offer, I had to make XXXX consecutive payments of {$1400.00}, beginning XXXX XXXX, 2016. I have consistently made each monthly payment on time beginning XXXX XXXX, 2016, and I still have not received the Modification Package. Each month with my payment, I have made a written request for information about my loan such as are other options available, is the taxes and insurance included in my payment, who is the owner of my loan, etc. I have reported an error with my account. As of the writing of this complaint, I am yet to receive answers from Ditech to my questions., nor do I have the Modification. In fact, just today, I received a call from XXXX of the persons I 've been calling only to say she is in training and still trying to find out whats going on. Please help.

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 2016-01-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
We acquired a loan modification loan some years ago and have had nothing but issues with Green tree and now Ditech. Fraud, misapproiation of funds, threats and numerous other problems with this loan. We are in disperate need of help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Green Tree Lending transferred my mortage loan to Ditech ; I did n't have a good experience with Green Tree and now I 'm having an awful experience with Ditech. Since Ditech has taken over my loan they have done nothing but harass me for a payment that is not even 60 days past due. They sent a representative to my home which their customer rep says is there practice when payments are 60 days past due XXXX my account is not 60 days past due - it was due for XXXX and XXXX but as of XXXX XXXX it is not even 30 days past due ). They have sent certified letters to my home noting the start of foreclosure proceedings for my past due account. They sent a letter to my husband on XXXX XXXX noting mitigation options for the loan even though he is not listed on the mortgage. They were calling my job everyday until I ask them to call my cell phone. Now they are calling my cell phone morning and night to discuss my account even though I have informed them of my reason for falling behind in my payments and my plan to bring my account current. I spoke with a Manager today who insisted that I make my payment via check by phone because if I used my XXXX XXXX XXXX account to make a payment that it would result in a check being mailed and a mark on my credit because it would be 30 days past due. I was transferred to the Manager because I thought he was going to address the non-stop phone calls, the daily letters in the mail, and ensure that no one showed up to my home to see " if my property was vacant ''. According to the Manager, Ditech sends a representative to the home to verify if the property is occupied once the payment is 60 days past due which my account has never been. My mortgage situation XXXX home upside down ) puts my family in a position that I am stuck with these predatory lenders ( although I have a great interest rate and have maintained a good payment history until my husband 's injury ) my loan keeps getting moved around as these companies transition from XXXX to XXXX to GreenTree and now Ditech. The mortgage needs to do more to protect homeowners from greedy, heartless, collection companies such as Ditech and others like them.

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 2016-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
This company takes peoples escrow and does not pay the taxes or insurance. This is stealing. They need to be investigated. They are profiting off people by means of fees, extra payments. They send out statements after theyre due then charge the homeowner with a late 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 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
My mortgage was purchased by green tree from XXXX services. They mailed my first statement on XXXX XXXX with a due date of XXXX XXXX. No problem, but when I tried to pay the bill they denied me access to auto pay which is the only pay method online that does not have a {$12.00} service fee. I called and they said to download the form and fax it. The site blocks me from downloading the form. I want to pay my bill without getting a XXXX XXXX credit card or incurring a fee everytime I pay my mortgage. Paying by mail is not a secure way to pay your mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
This is a continuation of complaint # XXXX. I have gathered the information that Ditech requested. I will attach XXXX letter from me to Ditech, XXXX letters from a lawyer to Ditech, and the information that was sent with the letters. The first letter was XX/XX/2015 preceded and followed by many recorded telephone messages that were not returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
My mortgage company has forced us to escrow our taxes into our mortgage last year and just received a certified tax document stating that taxes were not paid for XX/XX/XXXX. When I contacted the mortgage company, I was transferred from one person to another, each stating that it is paid electronically every month and when I wanted to have proof sent to me, ( cancelled check copy, any kind of copy ), they stated that they ca n't do that. I advised them that the late tax document stated if that it was not paid by XXXX XXXX, XXXX additional penalties will be added on and if not paid by XXXX, our home will be put up for auction proceedings. After going thru quite a few people, I was given the tax dept of the mortgage company and the advisor said that it will be paid within 5 days. I asked why it was n't paid and they advised that " it slipped thru the cracks ''. I can not believe he said that. I told him that I want a copy of payment..this should n't be happening. Now, my home insurance company called and advised me that the same mortgage company called and said that they are going to do the homeowners insurance thru them ... we DID NOT give them permission to do that. We would never drop our current homeowner insurance provider. This has to be illegal!!!! What can we do to protect ourselves against this illegal activity..We pay for the escrow every month along with our mortgage and they are not even paying the taxes..they are keeping the money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: World Acceptance Corporation
State: NE

Complaint narrative:
My wife and I applied for a home loan and the bank provided to us negative accounts that affected our approval. When reviewing the information World Finance Corp showed up with a balance of {$580.00}. I have no idea what theses charges are for and when attempting to contact the company no one could give me information or locate information stating a loan was ever received.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
DiTech ( current lender ) could not provide a payoff quote to support the sale of my home. 
They are undergoing a " automation system upgrade '' and claimed their system will be down until XXXX XXXX. I called customer service, talked to a service rep and her supervisor. The answer provided was that they would try to provide the needed information " early next week '' but made no promises. They supervisor 's supervisor was n't available so I left a voice mail for him. The lack of information will have financial impacts to me and the buyer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I was refinancing a mortgage with Ditech ( formerly Green Tree ). I requested a copy of the closing documents be made available to me at least XXXX hours prior to closing. Ditech refused to provide me with these documents. Because Ditech refused to provide these documents to me prior to closing, it took over XXXX hours to complete the closing because I checked the documents and compared them to my files. I had the time and XXXX to take the time during closing to do this. However, many people may not be able to do this. 

It seems to me Ditech 's refusal to provide me with these documents prior to closing is illegal. I have given them this feedback already. However, if this is their standard operating practice, they should be held accountable by enforcement agencies for breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
green tree has had the loan on my mobil for years a few years back i offered to try to make a short sale on the property and it was call next week so id call and it was call next week then after bout a month of that they say call next month and then nothing.Now it takes me to today i am bout a month behind on my payment im getting phone calls that i seem to miss while im at work .and they want me to call them back yet there is no option to talk with a person the only option i have is make a payment.I again have sent via fax to them a fair offer to settle my account and yet again i feel like they have no will to even look at it .so i look at green tree online and finding they are being fined by the ftc for the very thing im going thru im at a loss here and very XXXX out i cant even talk to a live person is there anything i can do???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Green Tree Servicing failed to honor my permanent loan modification when XXXX XXXX XXXX transfer the loan to them. They reported my loan as foreclosed but continued to take all my monthly mortgage payments. Months later they wrote saying they were going to honor my loan but made me go thru the trial period again, at the end they did modify my loan but they increase my interest this change will benefit them by XXXX for the life of the loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation