vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: C/C Financial
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I purchased a mattress and box springs from the XXXX XXXX in XXXX, Texas. They had signs all over the store saying " 90 days interest free. '' When I asked the salesman about it, he told me that they had several sources for loans with 90 days no interest. He submitted my application and told me I was approved. He printed out the contract with the loan company, Merchants Preferred. The contract was XXXX or XXXX pages long and I just had to initial XXXX page and sign the last page and the Sales Receipt. The price for the bed was {$490.00}. He told me several times that there would be no interest until the 90 days was up, and that at that time, if I had not paid the bed off, that the interest would be pretty high. He turned the pages quickly, as he commented on what a certain page was telling me, and I signed it. He also said, " Just because you are paying {$41.00} every 2 weeks does not mean it will be paid off at the end of the 90 days. '' I laughed and said, well I would n't think it would be. While I admit that I should have been more cautious, I feel like I was not given all the information in order to make a better decision. I was not given a copy of the contract either. When I called the lender to find out my exact pay-off in XXXX, I was told it was over {$400.00}. I could not believe it. I said, but I 've paid over {$200.00} on this bed already. According to my calculations, I would have owed {$290.00} on XXXX XXXX, XXXX. It was then that I told the representative from Merchant 's Preferred that the salesman never said anything to me about interest being charged during the 90 days. What she told me was that for the first 30 days, the interest is 5 % and then each 30 days it goes up. I think I was not given all the facts about the loan, and I feel like I have been taken advantage of. I am a single woman and live alone, and I do n't have this kind of money to throw away. Is there anything you can do to help me?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
As I have done many times before- I placed an order with XXXX XXXX for a {$10.00} embroidery design collection and attempted to complete the transaction thru PayPal XXXX I received a message that the transaction was pending due to a random scan. I attempted to complete the purchase several times and got the pending notice. I finally checked my email and had XXXX emails from PayPal describing the possible 72 hour delay in processing my order. On XXXX XXXX, I got an email stating that my order was complete. A few days later I checked the website I ordered from and the order had been rejected. I checked my bank account and saw that PayPal had taken XXXX {$10.00} debits from my bank Acct and credited only XXXX after rejecting my order. When confronted, PayPal stated that my order had been rejected because of federal regulations and the word " XXXX '' had been connected to my order and they were not allowed to deal with XXXX. I countered immediately that I am in XXXX and have no connections to XXXX and had completed this very sort of transaction over twenty times since beginning my PayPal relationship. PayPal refused to replace the XXXX dollars until I supply a copy of my drivers license and current utility bill to prove my identity. I am very uncomfortable giving my drivers license and utility bill to a company that even suggested that I am doing something illegal. They had no intention of completing the order and should not have debited my acct for the additional {$20.00} in the beginning. They are holding my {$20.00} hostage until I give up my id to them. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have credit monitoring and the Credit Bureau 's notified me of a new account on my report. When I went to verify what it was it is showing a new collection. I am not aware of this and when I review the details it stated a date from XXXX. I have no information about this. No one has contacted me either by phone or mail. This acct was placed on my credit report without proper verification and no communication. I called the Collection agency myself and advised why would you place something on my credit report without contacting me and giving me the opportunity to investigate properly or if this was even mine, they had no answer. This is very disturbing. Your assistance with this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I paid off the Ray Klein on my credit report. I have contacted them many times asking for physical proof of satisfaction as well it to be reported as paid on my credit report. It has been months and they are saying they will do whatever i ask but refuse to give a timeline. it has been almost two months with no action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Forced Escrow was placed on my account, on XX/XX/XXXX due to delinquent property taxes not affiliated with my Property Parcel ID. I am requested to terminate all Escrow accounts since my yearly taxes of only XXXX, are paid out of pocket and on time for my XXXX XXXX property and the only property associated with the loan. Advanced funds were distributed to County Tax Office without authorization and taxes for other property owners were disbursed to pay all XXXX properties, which of XXXX are not listed on loan since the properties were divided in XX/XX/XXXX. I have repeatedly faxed all county documentation Ditech requested, emailed, called and spoken to different depts., notices mail to be stating the issue is being investigated within 30 days and nothing done, now my escrow account is over {$6000.00}, causing my monthly mortgage payment to be outrages and I demanded they correct this asap nothing to pay for XXXX other properties that do not belong to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I received my billing statement dated XXXX/XXXX/2016, and noticed that the property address under the " Account Information '' section of Ditech 's new billing statement format does not include the unit number of the property. This could become a legal issue since the information on Ditech 's billing statement does not reflect accurate information, particularly the property address. I have called them many times in the past, and they were able to correct the " property address '' on their old billing statement format. Now, I have to contact them once again to correct this error. I spoke to XXXX at extension XXXX, and she suggests that I make this complaint once more, because she has no way of correcting it on her side. It is bad enough that Grant/Title Deeds do not show the exact property address even if we trace the document number filed through the County of XXXX. Please help me correct these errors, and hopefully we can start improving our housing record-keeping and eliminate problems completely.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
DiTech sent me a special payment reduction offer. The offer required me to submit the paper work before XX/XX/2016. I submitted my paper work by fax on XXXX XXXX and sent a hard copy on XXXX XXXX, 2016. I did not receive the special offer I was promised. It is apparent that DiTech did a " Bait and Switch. '' This company is a, '' FRAUD. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have already submitted a complaint against Green Tree ... they since put me on a repayment program, but now are demanding TWO PAYMENTS OR FORECLOSURE, even though I made the first repayment amount before this demand ... .please please stop these people ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
I was contacted by Ditech mortgage company stating I had not paid my property taxes. I contacted them and told them the taxes were already paid. They then told me, I needed to contact the tax office and request they send them back their money. They also told me that they were changing my mortgage payment adding in escrow to the loan. I have had this loan for 18 years and have always paid my insurance and taxes. I have made several calls to them to resolve this issue to no avail. The original mortgage company, XXXX XXXX did something similar with insurance they stated I did not pay and I fought with them for several years before giving in because they were charging late fees, even though I had paid the insurance. Now they have changed their name and doing it over again, I feel they are extorting money from 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 2016-01-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
This is my third time contacting the CFPB about Green Tree AKA Ditech LLC. This company has engaged in negligence and deception in regards to a questionable debt that their representatives have mislead me to believe to be an unpaid car loan and then a home mortgage. This form of deception is an infringement on my rights under the XXXX Debts collection act of California, and constitutes a reprimand towards the company involved in this form of consumer abuse. I received a response from Ditech LLC stating that they would take this unspecified debt off my credit report in writing, but they have lied again. The debt is still on my credit report, and they have attached unconscionable interest on this loan as well, knocking down my credit score. Ditech LLC has misrepresented themselves in stating that they were Green Tree, but now they are stating that they are not Green Tree. This can no longer continue. Deceptive business practices can never be tolerated!

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 2015-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
We received harassing phone calls from Green Tree Representative XXXX XXXX in the beginning of our loan. 
The interest rate with Green Tree is unfair, 12.99 % it is too high. 
I applied for a loan modification, but was denied. 
No payment amount is being applied to the principal balance, we received a letter back XX/XX/XXXX stating we were {$6300.00} past due, I have copies of two payments sent during that time period. Original loan amount {$54000.00}, today it is over {$50000.00} after 16 years. 
I completed bankruptcy XX/XX/XXXX ( including arrears ) but the balance on the loan is still too high. 
I have attached additional information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My mortgage was transferred to Ditech XX/XX/2016 when XXXX XXXX XXXX became Ditech. I was notified XX/XX/2016 to start making payments to Ditech at their new address. XX/XX/XXXX 's payment had already been sent to XXXX and the check cashed. In XX/XX/XXXX I made all further payments to Ditech. In XX/XX/XXXX I called Ditech to see why I was being charged for Earthquake insurance as we do n't carry that in Texas. Up until this point all I had for a statement each month showed what I paid, there were no statement balances at all shown. I asked about balances and was told I was one month behind. I asked how that could be when I have made every payment each month on time and have my cancelled checks. " XXXX '' said he would look into it and get back to me. Next month I got statement saying I was behind, I called and was told I had n't made XX/XX/XXXX payment, said I did, made it to XXXX, the girl told me to call XXXX to get it straightened out. That 's when I found out DItech WAS XXXX. Called back-long story short, I have called 34 times since XX/XX/XXXX. I talk to someone different each time, no one knows anything, you have to explain again, and they always say, you are late-you must pay-threaten foreclosure. I have had these people lie and say they are managers, I get an extension number each time I call with a name, when you call back, no one knows who you are talking about. I have sent my supporting documents with copies of every months ' cancelled checks 3 times to XXXX different fax numbers they have given me and asked each time that they call and let me know the fax was received and everytime I hear nothing. Now they are saying I am 2 months behind but not one single person I have talked to can give me any idea how that is possible. I have a cancelled check for every month that shows deposited into their acct. I also am paying a huge amount each month to escrow, I have over 3 years worth of taxes and insurance in their acct but they ca n't pay my taxes or insurance on time and I still have n't seen my money back they paid out for earthquake insurance that I do n't have. I have already been down a similar path with XXXX XXXX XXXX. I thought there was supposed to be safe guards put in place that watched these mortgage companies to insure the public was n't getting completely XXXX again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
I am beyond furious with Ditech. I called my insurance agency per your information to inform them that my homeowners insurance would be escrowed going forward. My insurance company informed me that my policy needs to be paid in full ( {$550.00} ) by XXXX/XXXX/16 or they will cancel my coverage. When I called in to speak with my account rep I was put to voicemail both times. I called in and went to customer service XXXX/XXXX/16 and was informed that everything was set up and both insurance and taxes were escrowed. I called yesterday XX/XX/XXXX to verify this when I did not hear anything from either my agent or Ditech and was told by a customer service rep at Ditech that my insurance was NOT escrowed and I would need to upload or fax in the HOI bill to you for payment. I called back today to verify that the HOI bill/dec page was received and XXXX told me that no, my insurance was not set up to be escrowed. She told me that there was nothing Ditech could do regarding the pending cancellation. She implied that I had not kept up with payments on my insurance and none of this was the responsibility of Ditech. I asked to speak with a supervisor and she said she would 'transfer me to the Insurance Department where someone would tell me exactly what I just told you. '' When she came back on the line after a 5 minute hold she told me that the insurance department said they would not make payment to my insurance company and it was my responsibility. I asked for a supervisor and she said she did not have a supervisor available. I asked to hold and she said she could not put me on hold for a supervisor as she had no supervisor available. I told her that was " XXXX '' and she said she would have to disconnect the call for my using profanity. 

Correct me if I 'm wrong, but the Customer Service department does have supervisors, right? They do answer escalated customer calls, right? And pending insurance cancellation is a serious issue for a customer, correct? 

I work in the mortgage industry and I have made EVERY attempt to resolve this in a professional manner. I am forwarding this message to anyone higher up at Ditech that I can reach and to the CFPB as well as my insurance agent. Please respond to me BY PHONE at XXXX within 24 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
No logical/reasonable reply from Ditech Financial in the last more than 20 weeks has forced me to approach you to get my grievance heard. The detail as follows - My mortgage loan was approved with XXXX XXXX and the first installment started from XXXX/XXXX/XXXX. Everything was going on smoothly till XXXX transferred my account to Ditech Financial in XX/XX/XXXX. In the letter regarding this transfer it was clearly mentioned that there will be no change in my Terms and Conditions with the change of Financial Institution. 

But, from the bill dated XXXX/XXXX/XXXX of Ditech, the payable Principal and Interest do not match. The same was reported to Ditech representative XXXX XXXX ( ID # XXXX ) on XXXX/XXXX/XXXX @ XXXX. She told me that the difference is there and she is referring my case to her manager and I will get a reply within 7 days. 

After getting no reply from Ditech, I filed my complaint online ( which is now removed by the Ditech from the website ). On XXXX/XXXX/XXXX, Ditech replied with some copies of reports explaining that principal and interest portion of the monthly payment is correct. In one of the report, they mentioned deduction under 'Prin Only ENC '. The same was the difference in the payable Principal and Interest amount every month. This amount was never deducted by XXXX ( previous loan provider ). I have prepared an excel sheet clearly showing the same. The same is attached for your perusal. 

Ditech breached the contract by charging this illegal amount every month. This illegal per month amount of around {$1.00} will become {$150.00} by the time I clear my loan. 

After that, every day I received one letter from Ditech informing me that 'Our research has not concluded. The purpose of this letter is to notify you of our ongoing investigation in an effort to provide you with a resolution '. 

On XXXX/XXXX/XXXX, XXXX XXXX, Ditech told me that she is not able to view those documents, so, I should call after 72 hours. 

On XXXX/XXXX/XXXX XXXX XXXX ( XXXX, FL ), Ditech told me that the dispute was closed on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I filed my complaint again thru fax and received an acknowledgement dated XXXX/XXXX/XXXX mentioning that I will receive a written response with thirty ( 30 ) days. 

After getting no reply from Ditech, I sent a reminder message thru fax on XXXX/XXXX/XXXX and received an acknowledgement dated XXXX/XXXX/XXXX mentioning that I will receive a written response with thirty ( 30 ) days. 

Throughout this correspondence, Ditech never issued a complaint number which can be referred to in future correspondence. 

The deduction of any amount under 'Prin Only ENC ' is completely illegal. Ditech also failed to provide the full description of 'Prin Only ENC '. 

All the documents related to this complaint are attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I am being forced to have force placed home owner insurance by green tree servicing LLC , for the past several moths .when my wife and I have along with my insurance company have proven and had them acknowledge the fact that we have had it ever since we open the loan seven years ago. Due to there forced insurance my monthly mortgage is$XXXX .without their insurance my mortgage would be $XXXX a month.that $XXXX. Difference could be used else where.

Company response to consumer: Closed with explanation