vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: AAA Collections
State: SD

Complaint narrative:
First, the debt collector never told me this was an attempted to collect a debt. I have been hit hard with medical bills due to multiple XXXX XXXX, and my son being born XXXX. Due to baby 's XXXX, I can not work so it is just my husband 's income coming in. I was then asked how I manage to pay my bills. I disclosed my parent 's are assisting. Then she asked about the baby 's father. This is personal information and I told her that is not something I wish to discuss. She pressed the issue further asking me if he works and why he ca n't pay the bills. I once again told her that is personal. She then asked why I was n't on government assistance if I ca n't pay my bill, which is over {$6000.00}. I told her that I do n't plan to live off of the government if i do n't have to and I am not going on assistance just to pay this XXXX bill. They already knew the situation and had sent out a financial assistance application just the week before. I asked for a manager who stated that she has the right to know my personal information including information on the father of my child, even though this medical bills are mine, not my husband 's or my child 's. They then said if I do n't get my financial assistance application in this week that they will send the bills to court to get a judgement out against me. On top of everything else, they call up to XXXX 7 times a day from different numbers. When I pick up, they hang up. They never leave a message. The intrusion into my personal relationships and my life are not welcomed and continued even after I explained they were not something I wanted to talk about. I do what I need to do to make sure my children are fed. They do n't need to know how I manage to feed my children or imply that I can not. I know others who have had similar situations with this company and it needs to stop. I understand they are doing a job, but I have worked collections myself and know that this is unacceptable behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I Have a mortgage with Ditech walter company. I have been paying on time since XXXX XXXX. Suddenly with no explanations, ditech included the escrow to my pay account, and the monthly payment rise to much. they ( ditech company ) say that my property taxes are not paid, but I already sent on XXXX XXXX the proof of installed agreement with XXXX XXXX, I agree with XXXX XXXX to make XXXX payments between XXXX and XXXX XXXX and that is what I Did. I do n't know why Ditech is taking advantege on that, is not fair. Please Help!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, my husband & I filed a Chapter XXXX bankruptcy. My mortgage was not included. At that time, XXXX sold my mortgage to XXXX who reported my payments to the credit bureaus every month, but as being late even though it was n't. Then they reported that my last payment to them was XX/XX/XXXX, which was 1 month prior to completing my 5 year BK and in XX/XX/XXXX I was sold to XXXX XXXX XXXX. XXXX did not report any payments for the 6 months they held my mortgage. said my $ was in a suspence account because they needed more documents from XXXX. I only found out about this because I was denied a HARP loan for nonpayments. When I asked XXXX for a payment history, as I was told if I got one XXXX XXXX would accept that and I could do the HARP, they sold my loan to Ditech. Ditech has not reported one payment and although my BK has been discharged, they will not take me out of their bankruptcy department. These companies have been taking my $ for 16 months and not reporting them, worse yet they are not applying them to my loan. This not only has ruined my chance of repairing my credit, but has kept me from refinancing to lower my interest rates. I can not get away from them. They are stealing my payments. Ditech told me that XXXX XXXX XXXX no longer exists, but when I call their phone #, they answer " Ditech ''. I believe my loan is being sold for profit and they are all connected in some way. Please help me. My husband has since passed, leaving me to figure this out. I 'm preparing for retirement and they have taken my life 's investment from me. I 've sent them a copy of every check, which shows dates, amounts and who cashed them. I. Have not missed a payment or been late. My bank has a record of every check. They leave me on hold. One time was 3 1/2 hours only to tell me it 'll be fixed in 48 hours. I 've been waiting over 7 more months with Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
The reason for my complaint is because I recently received a Notice of Default from my mortgage servicer, Ditech, even though I began the process of a workout well before being late on my mortgage payments. I believe this to be the illegal practice of " dual tracking ''. I am requesting that Ditech rescind the Notice of Default and finalize a workout which I initiated nearly 6 months ago. 

I submitted a completed Request for Mortgage Assistance ( RMA ) package in XXXX 2016 seeking assistance due to being unemployed. I made over 15 repeated requests for an Unemployment Forbearance offered by XXXX who owns my loan, as well as the Making Home Affordable ( MHA ) program. To date no workout has been offered by Ditech. During this prolonged and frustrating experience with Ditech it seems that misinformation, missteps, and confusion are the norm. My assigned point of contact, who I am rarely able to reach, has changed 4 times in only 2 months. 

It is my understanding that the primary goal of a loan workout is for a borrower to avoid a default. Yet after having done everything right, I just received this Notice of Default. I have been very proactive with many repeated phone calls and submitting all documents in a timely manner. Over half of the various Ditech representatives with whom I spoke stated that they were unaware of an Unemployment Forbearance workout. On multiple occasions I had to guide Ditech representatives to the Fannie Mae and Making Home Affordable websites where the Unemployment Forbearance workouts are clearly explained. After months of call backs and escalations, I finally received a packet from Ditech in XXXX 2016 stating that an Unemployment Forbearance was an available option. However, months later no further progress was ever made. 

I would be more than grateful for any help in compelling Ditech to rescind their Notice of Default and to finally offer a workout solution, as my repeated efforts with them over the last 6 months have been unsuccessful and entirely frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ECMC GROUP, INC.
State: GA

Complaint narrative:
THIS COMPANY HAS CALLED ME ON A NUMBER OF TIMES AND I HAVE TOLD THEM THAT I AM NOT XXXX AND THE SSN THAT THEY HAVE IS NOT MINE*********** AND THAT THE LOAN IS NOT MINE. BUT THEY KEPT ON CALLING AFTER I TOLD THEM TIME AFTER TIME THAT I DID N'T TAKE OUT A STUDENT LOAN AND THAT IS NOT MY INFORMATION. THEY STILL WENT AHEAD AND FILE A GARNISHMENT TO MY WORK PLACE AND NOW ARE COLLECTING MONIES FROM ME EVEN THOUGH ALL OF THERE INFORMATION IS INCORRECT.

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 monetary relief
Consumer complaint received 2015-06-10 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: Tormey Bewley Corporation
State: FL

Complaint narrative:
I get an utilities bills from a collection agency posted on my credit bureau on XXXX/XXXX/2010 for an invoice that I never received from company and ask this to be removed from my credit with Transunion.

Company response to consumer: Closed
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
We secured an assumed loan in XXXX XXXX through Greentree Lending Services and have made payments ever since. The loan was to be fully amortized through XXXX XXXX. Greentree has since been absorbed by Ditech Financial. Ditech claims the loan matured in XXXX of XXXX and they have been calling on the phone at least weekly saying we are past due and need to submit the balance. We have continued make the monthly payment and have only 7 payments left. We have submitted the original paperwork to Ditech, but they have failed to respond. Just more calls every few days. Some have said just continue to make payments, others demanded the loan in full. I have asked over and over again to have someone call about the note, but no one has, only their collections department. We feel they are abusing us and that they are about to turn derogatory information into the credit bureau. We need to get this fixed.

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 2015-04-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
My first mortgage and HELOC were originated in XX/XX/XXXX with XXXX ; later bought by XXXX. XXXX sold the first lien to XXXX and the second to Greentree. XXXX modified my XXXX lien soon after the purchase ; however, I can make no progress with Greentree in understanding why I was not offered the opportunity to modify the XXXX under HAMP 2MP. Also, I am unable to get clear answers from Greentree as to whether the HELOC is still a lien on my home or is now a personal debt. XXXX Greentree rep told me it is a XXXX lien to be recovered on sale of my residence, but XXXX told me the HELOC was written off. 

It has been very difficult to speak with a Greentree rep who has responsibility for my loan. The XXXX rep with whom I spoke was outright rude and very uncooperative. A couple months ago I called the HOPE Hotline to arrange a 3-way conversation with Greentree and HOPE, in an effort to get clear, honest answers about the status of my loan. To almost every question from the HOPE rep, the Greentree rep stated he could not provide answers and directed me to contact a different Greentree representative. This is puzzling as I expect all information about my loan would be available to any Greentree rep once they verified me as the borrower and entitled to the information. 

Recently I received a letter from Greentree offering a " Tax Time Settlement Opportunity '' settlement offer of {$100000.00} versus the full balance of {$140000.00} ; payment is due XXXX. I am in no position to come up with this payment. Should I have had an opportunity to discuss my financial situation with Greentree to help determine an affordable payoff? I am not convinced that Greentree genuinely wants to work with me. 

Based on the recent reports of the CFPB investigation and the Greentree settlement, it is clear that my experience with Greentree is not unique. As a result I decided to communicate my experience in dealing with Greentree.

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: GA

Complaint narrative:
I have made various attempts to pay my loan down/off earlier than scheduled. The Company has not been very helpful to achieve this. Please see my most recent complaint with them on this attached. I attempted to pay bi-weekly. First last year I was told that a XXXX XXXX loan was not applicable to this payment structure. At the end of the year I was finally able to set this up to only find out that they would just hold my payment until a full payment was received and would not apply to my account earlier therefore reducing interest. I then tried to cancel the bi-weekly payments and make monthly payments with {$300.00} extra per month only to have them mess that up too and apply additional payments to the next month payment versus to principal as instructed in my note. They continue to be difficult to reduce principal earlier than the original amortization schedule.

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 2016-09-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: ID

Complaint narrative:
I have a loan with Ditech Mortgage made the XX/XX/XXXX payment of {$2000.00} which was received on XX/XX/2016. For some reason they put them in " suspense ''. To date they have not released the funds. Fear that this will hurt my credit and cause me a late penalty. The account was current prior to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
According to the Dodd-Frank Act of 2014, Ditech Financial, LLC could be in violation for not providing me my final mortgage statement showing how the payoff was applied, ( i.e. how much was applied to principal and how much was applied to interest, etc. ). 

My record indicates that there was a total of {$96.00} overpaid on this account. Unless, Ditech Financial, LLC provide me with my last statement, there would be no way for me to know if the payoff they had provided to XXXX XXXX XXXX is accurate. I was informed by them that they do not provide the last statement, but a letter informing me that my account is paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Ditech Mortgage My taxes are combined with my mortgage. 
Ditech Mortgage company is reporting a " lesser '' amount on my XXXX than what the assessor 's office has on file that was actually paid. I can not get anyone at Ditech to make the correct to my XXXX form so I can file my taxes. I 've made several calls and continue to be told there 's nothing that can be done. 
I also see several several Quick Claim deeds via XXXX County Assessors Portel. No one at Ditech will explain these either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
GREEN TREE SERVICING LLC OFFERED AND AGREED TO PAY CASH FOR KEYS RELOCATION ASSISTANCE OF {$3500.00} THAT WAS PRESENTED BY THEIR ATTORNEY LAW OFFICES OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX. GREEN TREE SERVICING LLC CHANGED LEGAL REPRESENTATION AND THEN REFUSED TO PAY THE CASH FOR KEYS OFFER THAT WAS AGREED AND ACCEPTED. GREEN TREE SERVICING LLC INSTRUCTED THEIR NEW ATTORNEY TO OBTAIN A FORCEABLE EVICTION WITH THE SHERIFF DEPARTMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
In the fall of 2014, my home was in danger of foreclosure. Previously, I had tried mortgage mitigation with my then mortgage servicer, Citi Mortgage, but that had not gone anywhere. I had gotten a call from XXXX, urging me to try mortgage mitigation again, specifically a deed-in-lieu of foreclosure. I sent the application for deed-in-lieu to XXXX, with XXXX as the conduit. That process went no where, and XXXX said to send the application again. At this point, unbeknownst to myself of to XXXX, my mortgage servicing had been sold by XXXX to Green Tree Financial. My complaint is thus : after missing mortgage payments, and going into pre-foreclosure, XXXX had dinged my credit rating. They then sold my mortgage or rather the mortgage servicing to Green Tree. Immediately there after Green Tree began knocking my credit, missed payments, in foreclosure. It was XXXX property, XXXX mortgage, but XXXX foreclosures. Why was XXXX allowed to sell the servicing of the mortgage in the middle of my application? Why did XXXX knowingly purchase what was for all intents and purposes a bad debt, and why should they be allowed to hurt my credit for the exact same reason as the company they purchased the mortgage from?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation
State: MO

Complaint narrative:
XXXX/XXXX/16 my wife called me and told me to meet her at world finance.I met her there and she had worked out a loan with Mgr. XXXX XXXX. I had to sign and put my XXXX up for collateral. In about a month my wife had moved out, when I was at work. She left a note saying that she would pay for 1/2 the WFI loan. Since being gone she has not paid anything. I have tried to keep up but it has been really hard, she left with me with every bill. Last month I received a bill from WFI saying I owed {$50.00}, I paid XXXX on XX/XX/2016. This week I get notice now that I owe {$260.00}, the next day I get a letter stating the loan is in default and I have until XXXX/XXXX/16 to pay the {$260.00}. You know I dont think WFI trys to contact my wife about her side of the payment. To my understanding I was not the primary lender on this. I feel like I being discriminated against because I have the collateral. I am about ready to give them the XXXX, but the more I thought about that they can sell the XXXX for wharever price they want and still leave me holding the bag for the balance. WHO WOULD TRUST THEM. By the way I found out my wife used the money to pay off her other payday loans she had, and did nothing for her kids. My sister says I need to tell you I am XXXX yrs old and my wife was XXXX yrs old, for whatever reason. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Hello, I am a veteran from the XXXX XXXX, and I am unemployed at this time because of my injuries from the military and other XXXX issues. My mortage holder forclosed on my loan because of accounting errors on their part and applied forced insurance amounts to my account statements and spread sheets when we already have our home insured thru State farm insurance agency. We would make payments to the mortage company and they would in term send our payments back or would deny that they receive them at all. We are doing the best that we can with making our payments on time but it is very hard to do with our lender threating us with forclosure notices. We have been back a forward with them trying to resolve serious issues with them we have not came to a favorable conclusing at this time. We think that our mortgage company has fail to follow appropriate billing and accounting practices with our homeowners loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Bureau of Lancaster County, Inc.
State: DE

Complaint narrative:
Please note my complaint is against XXXX XXXX XXXX XXXX who does the billing for the Physicians at the hospital ans also against Lancaster Collections .I found out about this debt when I applied for credit and was denied due to this derogatory information being reported on my XXXX. Through further investigation, I found out that " XXXX XXXX XXXX XXXX. had placed my account with a XXXX party collection agency, Lancaster Collections. I never received notice of any such bill and had they sent the correspondence to me and or contacted me by telephone then I would have made an arrangement to resolve the debt. This is the XXXX time this year that this same exact scenario has played out.Where both companies FAILED to make an attempt to contact me via phone or email and just placed an account in collection.Therefore, I was NEVER afforded the opportunity to resolve the debt in a timely manner prior to it going to collections and effecting my credit in a negative way. The hospital has my current information and sends me a monthly billing statement every year. The first time it was in regards to account # XXXX and after speaking to XXXX from XXXX XXXX at XXXX ext XXXX she promptly resolved it by recalling the account from collections and having all derogatory information deleted form all national credit bureau agencies. Therefore, I should not be going through this a XXXX time around for a different account as they have my current address and telephone number. However, once again they placed me into collections and failed to contact me via mail or telephone in regards to my daughters account # XXXX and on XXXX/XXXX/15 I contacted XXXX XXXX at XXXX and spoke with XXXX at XXXX XXXX who ASSURED me that he would recall the account from Lancaster Collections as well as have any derogatory information deleted form the national credit bureaus. Unfortunately, he FAILED to follow through on any of this.

Company response to consumer: Closed with explanation