vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am sending you the facts of my Consumer Financial Protection Agency complaint against your company, in the hopes that you may use the information to conduct your business in a less predatory / more honest way. 
In 2015 your insurance was added to my account without my knowledge or authorization, resulting in monthly charges of XXXX, totally {$350.00} at present. 
My husband, who is authorized to discuss my mortgage account but not make changes to it, attempted to make a claim, describing to your agent a sewer line problem in our house. After several weeks, your company was able to dispatch a plumber to our house who said the problem could not be addressed because the pipes were not " accessible '', but still charged us {$85.00} for the visit. 
My complaints are : 1 ) The insurance was added to my account without my request 2 ) When service was requested, it took 3 weeks to get a response 3 ) When response was made, a plumber was sent even though the condition was falls within the very broad and very subjective exclusions in your policy regarding " inaccessibility '' of pipes, etc. As if the representative was aware that the issue was not covered, they listed the problem as a water line problem when it was clearly stated twice to be a sewer issue. 
I request : 1 ) Immediately stop charging my Ditech account for the property at XXXX XXXX, VA XXXX 2 ) Refund of {$350.00} I was improperly charged for nearly fictitious insurance, which in any event was not available in a timely manner when it was requested 3 ) Refund of {$85.00} we paid as a result of the incorrect and deliberate dispatch of plumber for issues that were obviously not covered Were you ( or an external regulator ) to impose transparency and integrity on your practices, attention should be paid 1 ) how customers are signed up ( a signature or voice recording would be advisable ) ; 2 ) how exclusions are disclosed upon sign-up and upon service requests.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
ECMC sent me a letter dated XXXX/XXXX/2016 which stated that it validates a debt regarding Stafford loans, but their statement is fraudulent. I do not owe a debt to ECMC. The debt was consolidated with the U.S. Department of Education ( XXXX ) two years ago, and is being paid by me to them, and the documentation is a matter of public record since they are a federal agency. In addition, the private loan has also been paid to private lender XXXX. Therefore, I do not owe a debt to ECMC. I wish to dispute ECMC 's fraudulent reporting to credit agencies. ECMC needs to stop sending me letters and calling me. I do not owe ECMC anything, because I consolidated my student loans two years ago and I have been paying on them this whole time. I attended XXXX University, and before that, University XXXX.

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 2017-02-24 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: World Acceptance Corporation
State: LA

Complaint narrative:
I made multiple payments on this account and was never able to get out from under this payday loan. I have tried multiple times.to contact this provider with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
On XXXX XXXX, 2016 I called our mortgage company, ditech XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX ), to ask them the procedure to have the PMI to be removed from our mortgage payment. I was advised to write a letter asking for the PMI to be removed and giving authorization for an appraisal and told to fax it in. I faxed it in and received confirmation it was received. I was told I would hear back within 30 days. 
I never heard back and have called every month since ( XXXX ) the staff at ditech are very nice but they continue to tell me they do n't understand why the Escrow Department has not contacted me to set up an appraisal. I have asked to speak with someone in the Escrow Department and have been told that department does not take calls. I spoke with a supervisor and she has tried to help but I am still getting nowhere. 
The home values in our area have increased significantly and I would not be asking for this PMI removal if I did not know it is not justified at this point. 
Your help in this situation is appreciated. 
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 2015-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC

Complaint narrative:
I have an urgent problem with the servicing of the mortgage on my property in California. ( I am living in XXXX, XXXX XXXX. ) Green Tree, which was awarded the servicing of my mortgage a few years ago, seems to have merged with a different company. I have not received a statement in 3 months. I have received no notification of the situation and no information about where my mortgage is held now. There is no online contact information for either company. 

I have continued to send my mortgage payment to the Green Tree account, so as not to trigger default problems. Payments are continuing to be received but there is no acknowledgement. Without any information about where the mortgage and who is servicing it, this now seems extremely foolhardy. 

I need : A letter from the company which is now responsible for my loan. 
Account number, address, phone number, and working Internet URL. 
I need a report confirming payments received in year 2015 and full electronic access to my account ( URL which works in XXXX XXXX. 

NOTE : Green Tree was never able/willing to give me access to my account online. 
After I complained to CFPB about not having access to my data, company was ordered, and agreed, to send me monthly statements, showing the current principal and last payment. That arrangement worked until three months ago. If notifications were posted on the Green Tree site, I obviously had no access to them. 

The new mortgage company needs to be aware of this IT problem at Green Tree, which cut off all electronic information outside the XXXX. 

I need this ASAP. I can not continue sending money to a nonexistent company which does not have an Internet presence with a phone number. 

Attached : scan of the last statement I got from the Green Tree mortgage company. 
My account number and address information are there. 

Thank you so much for your assistance. 

XXXX XXXX XXXXXXXXXXXX DETAILS According to this source XXXX Green Tree does not exist anymore. Its listing Green Tree Servicing XXXX XXXX XXXX XXXX Mortgage Services https : //www.greentreeservicing.com/ brings brings blank on XXXX search. ( That 's in XXXX XXXX. 

By searching complaint groups ' sites, I have found that the presumed successor company is Ditech, but their site is also unavailable : https : //www.ditech.com/ " This webpage is not available ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
These debts are from XX/XX/XXXX or XX/XX/XXXX. Should n't they have fallen off my credit report by now?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I noticed while reviewing my mortgage statement with Ditech, XXXX XXXX XXXX, a line called 'Unapplied Amount '. I overpay my mortgage every month. Apparently, this company takes any additional money I mail in for my mortgage, and allocates it to a non-interest bearing account, where it sits indefinitely. Why would I mail money to a mortgage company that does not get applied to the mortgage? Their response is, " You did n't indicate what you wanted us to do with the money. '' What I want them to do is pay my mortgage. How is it legal that they can allocate the extra money I send for my mortgage into a non interest bearing account, make the minimum payment on my mortgage, and continue to charge interest on the remaining mortgage balance? 

The sole purpose of this 'scheme ' of not paying my mortgage with the money I send them is to extend the amount of time I spend paying the mortgage, and prevent me from paying it off early. Why would an account like 'unapplied amount ' even exist? Except to criminally hold my money, for no good reason, to prevent my mortgage balance from being paid down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have a Loan ( Mortgage ) with Green Tree and they charge a {$12.00} fee even if automatic payments are set-up directly from the bank account. For example I called to set-up my automatic pymts. and they told me that every month they are going to charge me a {$12.00} fee in addition to my mortgage payment. The only way to avoid the fee is by mailing a check every month, and again as they said, that is not a secure method because the check can be lost in the mail. We are in 2015 and I do n't consider the {$12.00} fee fair to Green Tree 's costumers. Just multiply {$12.00} fee for 30 yrs!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
The collection agency continues to report false information on a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I had a XXXX mortgage with XXXX XXXX XXXX, in XX/XX/XXXX I fell behind due to the mortgage crisis and me being a lender myself. I also had a XXXX mortgage I fell behind on. Green Tree Mortgage bought my XXXX mortgage from the XXXX lender, the note amount was for XXXX, Green Tree offered me a buyout settlement for XXXX, I was told by my lawyer not to accept it. Green Tree then bought my XXXX mortgage from XXXX XXXX XXXX, time after timer after time I would speak to Green Tree about a modification and then would send out a packet. I would then ask them what the XXXX mortgage payment would be in addition to the XXXX mortgage. Every single time and it just happened today the Green Tree rep would say " YOU DONT HAVE A XXXX MTG '', this is not true I do have a XXXX mortgage. This has gone on for years and years, they can not nor will they provide any info on my XXXX mtg. I was called XXXX time and the rep said " It was forgiven '' I was then called a few months later and the girl insulted and laughed at me when I said someone told me it was forgiven. I am a single father of XXXX and this has been so emotionally draining on me. I want information on what my XXXX mtg payment would be if we did a modification they they never ever give me that info. I even went to mediation with a judge and the lawyers for Green Tree in XX/XX/XXXX and the judge asked the lawyer about a XXXX mtg. The lawyer said he was not aware of XXXX. The judge had the lawyer call Green Tree on the phone and ask about a XXXX mtg. He was on hold in front of the judge for XXXX minutes. Someone from Green Tree finally confirmed there was a XXXX mortgage. The judge then asked if Green Tree would guarantee not to foreclose on the XXXX mtg if I agree to the first mortgage modification, Green Tree responded " No they could not guarantee that ''. The judge then told me not to accept the modification offer since they could come a month later and foreclose on the XXXX mtg. I have tried over and over to get information and Green Tree refused to provide anything. It is a Federal law that they have to provide a borrower information within 30 days of a request on an account, they have violated this law over and over. I have been harassed, spoken down to insulted for years by Green Tree I want an answer about my XXXX mtg. Please HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BTH Management
State: CA

Complaint narrative:
I sent a request to verify the debt and received zero proof of the debt validation. I do NOT have a contract with Plaza Services nor have I ever done business with their institution. I do not owe this debt. Plaza Services has failed to comply with the FTC and has violated my rights as a consumer. I want Plaza Services to remove their information from credit reporting agencies as the information is false and affecting me negatively. Again this is a violation of the FTC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: ECMC GROUP, INC.
State: IN

Complaint narrative:
I submitted a claim with the cfpb in XXXX ( case # XXXX related to case # XXXX ) where I asked ECMC in writing to cease all phone calls to me at both my work and my cell. Their response on the explanation of closure is " Nevertheless, ECMC has honored your request and placed your account into a do not call status. '' Yesterday XXXX/XXXX/15 at XXXX XXXX contacted me in an attempt to collect on this debt. Then she informed me that no automated computer or recording would ever be contacting me. Today XXXX/XXXX/15 at XXXX XXXX called me and it was a computer/automated call. Then again at XXXX this same day XXXX/XXXX/2015 another call to me was made from ECMC from XXXX. So they are not doing what they promised cfpb, nor me. This case is pending a hearing and I need EVERYTHING in writing either via email or letter. And I need them to cease the calls immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Applied for a modification with Ditech at the beginning of XXXX. Called repeatedly and was told they did not receive the package and ask for more documentation which I would fax and mail repeatedly. This went on for months and finally in XXXX they indicated they had finally received everything. In XXXX I received a letter from XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. stating the mortgage was in default. I contacted Ditech and was told to disregard the letter and it would take 30 days for them to review the modification package. On XXXX/XXXX/XXXX there was a foreclosure notice published on my property. I contacted XXXX XXXX XXXX to find out if anyone was going to let us know about the foreclosure because we have received NO type of notification or letter from Ditech or XXXX XXXX XXXX, XXXX. and was told that I obviously did not know how foreclosures worked. I ask for a payoff and was told it would have to be requested and sent to Ditech which they were doing. As of today XXXX/XXXX/XXXX I have still not received anything from anyone. I called Ditech today to request a payoff and was told they could not give me a payoff only a reinstatement amount of {$21000.00} food through XXXX XXXX, XXXX. I was told I could not payoff my mortgage at this time that I would have to pay the reinstatement amount first then they could give me a payoff. I explained that we are trying to sell the property but we must have a payoff to know how much to list the property for. Again was told I could not pay off my mortgage balance. I asked if the call was being recorded and was told yes. I am attaching the one and only letter that I got Ditech to email me on XXXX/XXXX/XXXX. They indicated this letter has been mailed to us XXXX XXXX, XXXX but we never received it by mail. Was told today another letter had been mailed on XXXX XXXX, XXXX giving us a breakdown of everything but as of today we have not received anything and when I ask for the representative to please email me the letter that was supposedly mailed out, she hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I have a mortgage now with Ditech and made use of the bi-weekly service. In XXXX I opted out due to being on strike in fear that I may miss a payment, proud to say I did n't miss a payment. The mortgage payment I had paid in advance I found out the Rep applied to my principal without my knowledge. They explained they would apply it to my XXXX mortgage. It still has not been done. I am very worried about this situation.

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 2016-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
XXXX 2016 I called Ditech to make an almost {$2000.00} payment to my escrow account. The XXXX made a mistake and applied it as a payment to the mortgage even though I was 2 months ahead on payments.. I called Ditech in XXXX and brought the problem to their attention and they said they would fix it. They for some reason added {$5200.00} to my mortgage balance and never added my original payment to the escrow account. They have n't been able to explain what happened to the {$2000.00} or where it is. I talked with XXXX ( XXXX manager ) in XXXX and she said that the missing interest would be calculated and added to the balance and the mortgage and escrow accounts corrected. I am still waiting .... I asked XXXX several times where the amount of {$5200.00} came from and she would only say that it was a redistribution and could never explain to me the details of the actual amount of money or why my mortgage balance increased by that amount. I asked XXXX why my balance increased by the amount of {$5200.00} and she kept repeating that it was a redistribution - that does not answer my question. I asked XXXX to mail a letter explaining the redistribution, why the amount of {$5200.00} was added to my balance, and where the {$2000.00} went to ; of course she did not do what she told me she was going to do. 

This problem has been going on since XXXX and Ditech lacks the competence and knowledge to correct their own problem and the only way I find out they are padding their profits and books is by me closely watching my balance. The amount of {$5200.00} plus the almost {$2000.00} needs to be reapplied back into my account, plus interest since XXXX. I also want an written explanation of what caused the problem, what they have done to correct it, why the actual dollar amount ( {$5200.00} ) was added to my balance, where the {$2000.00} escrow payment is, and what are they doing to guarantee this will not occur in the future. 

There should also be fines and fees charged against Ditech. If I owed Ditech over {$7200.00}, plus interest, they would have their lawyers camping at my front door.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
I really thought i was going to get some type of help finally! My rights are being abuse by greentree! For XXXX months, ive been harrassed, conned, volilated.I 'm being robbed. I 'm asking for help again. I ca n't put nothing to the princible of my house without it being stolen from me.They are still calling my wifes phone, my phone, coming to my house as of yesterday with these intimidation tactics.My rights are being volilated in more ways then one. My address is still they same! They are not putting anything in writing, just asking for money with phone calls and house visits. Only thing i get in the mail from them is XXXX 2 monthly statements in the past XXXX months telling me i owe thousands of dollars with bogus legal fees.What am i suppose to do? They are trying to scare me out my house.harrass to the point that i give up.Again nothing in writing, just house visits and nasty phone calls. I have told them on a number of ocasions to dessist and desseest! The calls wont stop! They know i ca n't afford no attorney, being i 'm XXXX. They know that! I 'm looking for class action suits against these giants! I 'm so XXXX out over this. I 'm not in good health and i know i 'm not the only person going thru this. Its taken alot out of me and my family. i just want to pay for this house and live the american dream for the time i have left. I know you all are still invetigating. is there any kind of way to stop the from all the harrassing me and my wife and stopping them from coming to my house? Anything they have to talk about can come in the mail. I 'm still paying my monthly morgage every month with every reciept. They still trying to raise my fix rate morgage! It already went up XXXX dollars more. Now they trying to raise it another XXXX dollars more. I need help! Please help!

Company response to consumer: Closed with non-monetary relief