vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MT

Complaint narrative:
In XXXX of this year, I utilized the Ditech mortgage website to start making bi-weekly payments. Payments have been deducted from my savings account, but mis-applied to my mortgage. I contacted Ditech on XXXX XXXX by phone after receiving a statement saying that my mortgage was late. I was told that the payments would be corrected and that the late fee would be waived. I checked the website on XXXX XXXX and my account is showing that my mortgage is due for XXXX XXXX, but should not be due until XXXX XXXX. They are also showing that I owe a late charge, but I have never been late. I used the messaging system on their website, but have not received a response and the error has not been corrected. In looking at their website, I also noticed that their policy is to place partial payments in suspense rather than applying them to the loan at the time received even though the whole point of the bi-weekly program is to reduce interest paid and pay off the mortgage sooner. I am concerned that their errors in posting my payments and their failure to properly correct the issue are going to negatively affect my credit.

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 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Illegal collection practicesharrassmentthreatsThe mortgage company contacted me demanding that I bring the account current. In XXXX of this year I missed a payment but I 'm doing the best I can to pay once a month since then. 

XXXX, from Greentree started to read me the disclosure about collecting from me when I informed her she had no legal right to collect from me as I a not on the Note. I am only on title. This should all be in the notes in the file as I 've been having issues with Greentree and illegal collection tactics since XXXX 2015. 

The loan was in my exhusband 's name only. I was deeded title to the property in the divorce. He filed bankruptcy after the divorce and discharged the debt. I reaffirmed with Greentree and have been making the payments since. 

When I got one payment behind in XXXX, I started receiving up to 8 calls a day from Greentree trying to collect. Even after I told them repeatedly that they have no legal right to collect from me because I '' M NOT ON THE NOTE. 

Today I got a call from XXXX from Greentree demanding that I bring the account current or they would start foreclosure proceedings. 

I explained for the millionth time the situation. 

She continued to harrass me after I told her she did not have my permission to contact me at this number. She placed me on hold and put XXXX on the line. 

Then he proceeded to harrass and threaten me as well telling me that if I didi n't make a payment and bring the account current it would go into default. 


The account is only 27 days past due as of today XXXX told XXXX I would make another payment in about a month and that the house is under contract and I 'm just waiting for it to close. He demanded I tell him when it would close. How XXXX do I know? So I told him I would get my crystal ball out and see if that would tell me. 

Then XXXX said that I was living in 'Greentree 's property ' that it did n't belong to me and that I needed to bring the account current. It 's only 27 days past due. 

I am sick and tired XXXX. I am doing the best I can to keep the payments up. 

They have tried numerous times to collect from me after I have told them not to. 

I 'm tired of being harrassed when I 've done everything I can to keep sending in monthly payments. 

Hopefully my house will close quickly so I do n't have to deal with these jerks anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I was charged fee 's and interest I did n't know about. I did n't have a good job at the time. After I got laid off i paid the account off but they have it reporting to the agency charged off instead of paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
CFPB, this is the third time I am having to submit this complaint against Ditech/Green Tree. My second attempt to file a complaint against this unethical mortgage/collection company, was verbally taken by one of your CFPB representatives. I made it specifically clear to him in XXXX of XXXX, that my second complaint was to clearly dispute Ditech/Green Tree 's unacceptable reply to my original complaint filed through you, CFPB, in XXXX of XXXX. 

The corrupt unethical business practices that Ditech/Green Tree conducted against me, as well as thousands of homeowners, has been well documented for years - subsequently with a class action lawsuit against them that was settled. I am definitely involved with the abusive, unethical business practices that they conducted against us, the homeowners. I began having issues with Ditech/Green Tree around XXXX when they purposely stopped taking my payments ( claiming never to receive them ), illegally added late fines, stopped taking my phone calls when I repeatedly filed for a home modification, repeatedly endured unethical unprofessional-ism by most of their representatives with XXXX XXXX making a completely insensitive comment regarding my XXXX father, repeated lies of not receiving my paperwork, etc. etc. All of this ... all of their unethical business practices caused me great personal damage! Aside from demanding all of the late fines they implemented to my loan, I want compensation for all of their abuse! I am owed financial compensation! Their reply to my first submitted complaint was a generic reply ; stating that they had worked with me in trying to give me a modification. Lies! They purposely conducted their unethical business practices, THAT FORCED ME TO FIGHT FOR MY HOME. They subsequently sold my loan to another mortgage/collection company - XXXX XXXX XXXX XXXX XXXX to get out from under my complaints against them! 

I want and am legally owed significant compensation for their blatant unethical business practices conducted against me - as well as all of the personal injury ( financial, health, personal issues ) factors that I had to endure. RETURN MY MONEY YOU ILLEGALLY ADDED TO MY LOAN BECAUSE YOU PRACTICED UNETHICAL BUSINESS PRACTICES! 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My husband walked out on my for my next door neighbor so we short sale the house. My first mortgage company was wonderful and they offered my second mortgage company XXXX. My second mortgage company said they would not except any offers that I had to pay in full. They also tried to block me from getting money for moving. I closed on the short sale in XXXX 2013. In XXXX they called and offered me a settlement for XXXX, XXXX, and XXXX. I asked why they were able to make an offer now after declining the short sale offer????

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I had submitted a dispute to Green Tree Servicing regarding my account. A printout was then sent to me On XXXX XXXX. Whereby I sent a certified mail ( find enclosed copy ) on XXXX XXXX in response again disputing the debt. They acknowledged they were in receipt of it and to expect a written response within 30 business days. in a correspondence dated XXXX XXXX, XXXX. On XXXX XXXX, XXXX another correspondence stating an authorization from my husband is needed before information can be release. Green Tree Servicing has had an authorization since XXXX when they began servicing my account. However, one was sent via fax on XXXX XXXX. I have yet to receive a response. I received another correspondence thereafter dated XXXX XXXX that my account was referred to an attorney. Meanwhile, I had agreed to a 3 month trial modification for the months of XXXX, XXXX and XXXX with a payment of {$650.00} along an additional {$12.00} advance fee. I then received a permanent modification, I signed and returned it and I received a letter thereafter notifying me that I had returned the documents to late. My disputes were never addressed. Foreclosure proceedings were then filed. After looking at my documents I realized that my billing statements along with the transaction history were not consistent nor accurate. Excessive fees were being charged. My monthly payments were being deposited in XXXX account since XXXX. Extra payments were made by me to be applied to my principal were being applied to my escrow account. It was these types of practices and procedures that led them to the judgment against them in Federal Trade Commission and Consumer Financial Protection Bureau vs Green Tree Servicing, LLC. They have then merged with Ditech Financial LLC to bypass cease and desist order. 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 2016-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I filed a CPFB complaint previously ( XXXX ) regarding my mortgage with Ditech. Despite their intention in their response to this complaint to correct their errors of accounting for our timely payments, Ditech has continued to misapply our funds paid and continues to show a deficit in our payments of {$350.00}. See my attached letter sent to Ditech XXXX XXXX, 2016 both through their online portal and by mail. This amount is from their incorrect accounting of our supplemental payment of {$450.00} + {$90.00} late fee we made on XXXX XXXX, 2016. They credited our account {$90.00} but took the {$450.00} out of our account in an attempt to correct their errors and never reapplied it. {$450.00} - $ XXXX= {$350.00}, showing as a deficit in our account despite us having paid the full payment. Today XXXX XXXX, 2016 we received a certified letter stating that we are in default for {$350.00}. My intention is to pay this amount to stop any further inappropriate action on their part toward default or foreclosure while continuing to try to find one rational intelligent person at Ditech to remedy their errors and reapply correctly the {$350.00} Ditech has stolen from us. 
XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
While booking a flight with XXXX, I was targeted for a XXXX miles + {$100.00} bonus ( after a minimum spend of {$1000.00} in first 90 days ) for the XXXX Visa Signature card. Seeing the alluring offer and the great bonus that would have reduced the cost of my current purchase, I applied via the online application and got approved after the usual credit check. I proceeded to use my newly approved credit card for my XXXX purchase - and all went smoothly. 
After about an hour of not receiving any email from Bank Of America ( the credit card issuer ) or XXXX congratulating on my approval, I searched the internet about the reviews of the credit card and found a cautionary blog ( XXXX/ ) informing me of the unethical advertising scheme that I just got trapped into. The author writes about his experience of applying for the Visa Signature card ( with XXXX miles + {$100.00} bonus and plenty of frills ) but getting approved for the " Visa Platinum Plus '' card - which is a lower end credit card with NONE of the advertised benefits or bonuses applicable. 
Really wary of this fraudulent marketing, I called up Bank of America reconsideration line and the consumer representative confirmed that I was not approved for the Visa Signature card but for the inferior Visa Platinum Plus card - which has none of the bonuses/benefits that led me to apply for a new card in the first place. The Visa Platinum Plus card does not appear on Bank of America/XXXX websites and there was no way I could have known that I would be getting no benefits at all. 
I am reporting this swindling " bait-and-switch '' marketing plot by Bank of America/XXXX where consumers are lured by high bonuses and embellishments but are not informed that they will be approved for the worthless inferior Visa Platinum Plus card.

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 2016-12-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
I pay more than {$3000.00} per year for health insurance through Medicare and XXXX but XXXX XXXX Medical Center has never billed my insurance for an amount of {$3300.00} due to ER care. Further they tell me that the Insurance company representing the party that rear ended me has already settled with me but they have not bothered to document that claim. I am represented by an attorney and the claim is pending so the debt is legally that of the Insurance company for the other party. The visit to the ER is billed out in XXXX parts-one for the use of equipment and XXXX for the medical treatment. XXXX XXXX XXXX provided treatment, billed my insurance and has been paid. At the present time XXXX XXXX Medical Center has placed their account for collection and I have been reported to XXXX and XXXX. In my opinion, XXXX XXXX has denied due process ( filing with my personal insurors ), has unfairly damaged my credit rating which dropped XXXX points because of this reporting, is ignoring Medicare provisions for special payments to medical facilities in cases where the insurance payments are delayed in processing, and are engaging in a form of black mail to effect payment from me that I am not responsible for. I contacted the billing department at XXXX XXXX on XXXX XXXX, 2016 with full documentation of everything above but have not received any information back from them. I should not have to pay for someone hitting me from the rear when I was stopped at a traffic light. This debt is not mine.

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 2015-08-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Debt Recovery Solutions, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from Debt Recovery Solutions. The funny thing i that they are collecting for XXXX 's which was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all XXXX credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
my wife died XX/XX/XXXX and I sent copy of death certto Green Tree financial and requested loan be in my name only, title to property was also changed to my name only. Green Tree change loan to reflect this. XX/XX/XXXX I filled for bankruptcy and Green Tree changed the loan back to XXXX our names and refuse to change it back to my name only, also they issue all tax statements in my wife 's name. Can not understand how they can carry this on since my wife is dead and I pay all bills and all tax statements should be in my name, how does a company issue tax statements and loan info two years after some one has passed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Ditech 's website provides erroneous information, does not work half the time, tells me a false payment amount, provides a customer service number hat hangs up immediately -- dear XXXX, ca n't you do something about this completely incompetent organization that I never chose to do business with?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
Using a modification plan we complied with all they asked for & were told we would receive help. Big deal. We received a modification congratulations that we had complied & our modification gave us the same XXXX high ) interest rate & a {$20.00} per month payment reduction. We have been trying hard to save our home until we can sell as we have a lot of equity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Ditech Financial LLC f/k/a Greentree services my XXXX mortgage. 
During XXXX we have paid Ditech {$35000.00} in payments that they have neither credited to our account nor refunded to me. 
We have sent them multiple letters requesting an accounting or refund of these amounts and have received letters saying they are " looking into it '', but no resolution to date. 
These payments were made beginning XXXX XXXX, XXXX, so they have been holding, and presumably diverted, my funds for at least 8 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
I paid XXXX {$93.00} to settle this debt in XXXX 2013 and provided the collection agency with proof of the check that XXXX cashed on XXXX/XXXX/2013. XXXX agreed to a pay and delete from credit report, but it looks like the debt was purchased after the check was cashed by XXXX. I gave the company notice that this debt was paid in full and they still have NOT removed this from my credit repot at all XXXX agencies. This is illegal for them to try to collect a debt that has been paid, and furthermore to report negative information on my credit report.

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 2016-07-04 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Ditech Financial LLC
State: TX

Complaint narrative:
They sent letter saying I can get my assistants takin away So I called they wanted me to pay {$100.00} I said I can pay {$10.00} a month he said I want to see if u will be honest so I will take it someone said if I was going to get the house I said no he said why u pay it I said to be honest he said they done repo it I said yes he said u live on fixed income u ca n't afford to buy home if ur not going to live there I was scared they take my XXXX I do n't know the law like the guy on phone now I guess because I sent {$10.00} I can get sued if I do n't keep paying the guy said he was n't going to make me pay but wanted a {$100.00} I have XXXX I believe letter take my money away

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Again, Chase Bank deducted NSF fees very late in the next morning!! My check from XXXX ( pension ) was recorded on XXXX/XXXX/2015 and when I checked at XXXX ( XXXX/XXXX/2015 ) everything was o.k. XXXX no deductions from my account ). However, when I checked again this morning ( XXXX/XXXX/2015 ) they had delayed deducting some of my checks until XXXX/XXXX/2015 and yet said that the checks were from XXXX/XXXX/XXXX, causing a NSF fee. This is, again, a rip off of customers that Chase uses as a tactic to receive millions of dollars a day unfairly from their customers! This is the 4th time that this has happened to me and the 2nd time this week. They had said a couple of weeks ago, that this illegal tactic would be rectified, but they have not either rectified ORr they are delaying rectifying this until they continue to collect millions upon millions more or they are not going to change this dirty, money grabbing tactic like they told CFPB or in a letter to me! There should be a class action suit for hundreds of millions of dollars in regards to the continuance of this dirty tactic!!! I coluld see why Chase has one of the worst records when it comes to complaints. I was originally ripped off about {$700.00} a few years ago, but I complained to an assistant manager and he proclaimed he was going to help me, but I went back several times to talk to him, but nothing ever happend and I was unfairly out of over {$700.00}. The Chase assistant manager was a big phony and did n't do a thing for me like he said he was doing!

Company response to consumer: Closed with explanation