vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Fell behind in payments due to medical issues. I was told by Greentree Financial ( now Diatech ) that I qualified for a loan modification. I submitted the tools needed for the loan modification and was denied because I did n't have a conventional loan. I was told to pay {$4100.00} by XXXX XXXX, 2015 by XXXX different people. When I called XXXX XXXX to make the payment over the phone, they told me that I had to pay {$11000.00} plus attorney fees because it is in foreclosure.

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 2016-02-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I financed a mobilehome approximately in XXXX. My first wife left me, and took a large amount of money from my bank account. I was unable to continue paying on the MH. It was repossessed, and I thought it was all settled. Just a week ago XXXX XXXX XXXX XXXX, I received a XXXX for the cancellation of this debt, which by the way is far beyond the ( 6 years ) statute of limitations in Virginia. It would seem to me that Ditech, who must taken over Greentree Lending, should have legally filed a XXXX after the 6 years, which would have been approximately in XXXX. But they did not. They seemed to have waited 12 additional years. In XXXX I was insolvent, and I would have been unable to repay the debt, and a XXXX would not have been so intimidating. However, now it is. I would like to know why they waited over 12 years to send me a XXXX? I 'm sure the XXXX would like to know as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
Ditech financial has been giving me bills that change the amounts at least twice a month. They have also added fees to my mortgage account and have not applied my payments correctly and do not answer my complaints except with " we have received your complaint and it is under review '' The last answer I got stated that they felt they answered all my questions previously, that came from a paralegal. I am so frustrated with this company. I am attaching my latest correspondence.

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 2016-05-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
Should not be in collections. These loans are in a cosolidation loan

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 2016-12-19 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: Meade & Associates, Inc.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that Meade & Associates has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Meade & Associates but I am unaware of the amount due and your bill does not include a breakdown of any fees.Additionally, I am allowed under the XXXX law [ XXXX 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to Meade & Associates to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more than Meade & Associates is to only be revealed with the patients authorization, therefore my request is XXXX fold and as follows, Validation of Debt, and XXXX authorization

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: RI

Complaint narrative:
I am receiving notices from DiTech Financial, LLC for a mortgage that I was never issued. I file an application with them but it was never issued to me. They have placed a bad mark against my credit for a mortgage that I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Our firm represents a borrower in default on an FHA mortgage, currently under contract with a purchase price that meets the investor 's required net. Ditech denied the short sale because ( 1 ) the property is not owner occupied ; true, and ( 2 ) Ditech states the borrower has a credit score of XXXX or above. The borrower disagrees, has researched her credit score, and it falls below XXXX, therefore making the denial invalid and the short sale should have been approved. 

A written request was submitted to Ditech by the homeowner ( as instructed ) on XXXX XXXX, 2016. The following was requested in dispute of the denial : ( 1 ) The type of credit scoring module used, ( 2 ) The date of the credit report, ( 3 ) A full copy of the credit report, upon which the sale was denied. 

As of yesterday, Ditech has not provided any of the information to the borrower, and it remains " under review ''. Ditech has had this under review for over 60 days with no time frame for review to be complete. This has taken too long and the homeowner is in risk of foreclosure. Please contact our office should you have any questions : XXXX XXXX ( XXXX ) XXXX, e-mail : XXXXXXXXXXXX. Office hours are XXXX from XXXX until XXXX. Thank you in advance for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
I have disputed XXXX paid medical accounts listed with Meade and Associates. I requested dates of service, as well as, to whom the services were rendered and never received the information. I 'm attaching the letter I received from Meade, in addition to my XXXX Credit reports showing the dispute and results. Although I paid these, I did so because they told me the debts belonged to me. Upon further review, they do not. Basically, XXXX told me to take it up with the collection agency, so I did and the debts are listed as verified every time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
We filed bankruptcy over 10 years ago and had a line of credit with GreenTree Mortgage. Our house was foreclosed on in 2009. Several calls were placed to them to notify. They told me it was being written off. Now, 7 years later I am getting harassing calls from Ditech Mortgage about paying the delinquent account and are reporting it on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Greentree Servicing attached force-placed insurance to my mortgage payments twice since the loan was taken out in 1997. After providing the new policy to Greentree in each instance, Greentree then tacked on an additional {$800.00} onto my loan each time ( for a total of {$1600.00} ) and when I inquired, they said that even though I secured private homeowner 's insurance, that I had to finish paying for their policies. This does not make sense as they were charging me over {$200.00} per month for their force-placed insurance. 

I am a paralegal and have been for over 30 years. I have done been involved with many foreclosures and loan closings. I feel Greentree 's insurance division has not only overcharged me, but I believe that Greentree has not properly credited my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Loan amount does not match with original settlement amount. Original loan was an XXXX loan with XXXX that then was sold to XXXX XXXX XXXX. XXXX XXXX XXXX consolidated XXXX loans into XXXX. Then the loan was sold to Greentree, who is the current loan holder. Now they say there is still XXXX loans for my mortgage and the XXXX mortgages original amount is more now than its original amount of loan when I purchased home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
In XXXX 2014, Green Tree Mortgage took over my home mortgage with XXXX. The statements provided by Green Tree did not provide me with needed information, such as amount due. Instead, the statement read " not a bill '', " for information purposes only '' and " total amount due '' was left blank. I called Green Tree, and they told me that this was due to a bankruptcy. I am not in bankruptcy court, though my wife did file for bankruptcy a few years ago. I asked Green Tree to send me a monthly statement with information, including the monthly amount due, due date, and the total amount owed. To date, I have not received this information. I have spoken to several representatives and sent several letters requesting this information. To date, I have not received said information. I wrote another letter to the president of the company. Although he responded saying that they were looking into the matter, the situation got worse. Now, I am not getting any correspondence from Green Tree. According to a representative, all correspondence is being sent to my wife 's bankruptcy attorney. In XXXX, a company representative suggested that I go online. I did so and to my surprise, Green Tree charged me {$1400.00}. According to a representative, the fees were for attorney costs for my wife 's bankruptcy. Additionally, I noticed that my monthly payment went up from {$700.00}, the agreed-upon amount, to {$800.00}. According to the representative, the increase was to pay for the attorney fees. I was not given any type of notice regarding the attorney fees and the increase. I recently spoke to another representative. I asked that the fees be reimbursed. The representative advised me to send a letter to Green Tree, which I did. Lastly, on several occasions, I have asked Green Tree to send my an application for " auto pay '' so the monthly amount can be deducted from my bank account. I am still waiting for this form. I am requesting that Green Tree 1 ) reimburse me the aforementioned attorney fees, 2 ) send me a monthly statement with the monthly amount, amount due, and amount owed ( balance ), 3 ) send its correspondence to my home address, and 4 ) send me an application for " auto pay. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a HELOC loan which Wells Fargo offered to refinance because the loan was coming due. 
The bank manager at the downtown XXXX branch offered to do the loan and asked me to turn in my tax return for XX/XX/XXXX and a XXXX for XX/XX/XXXX. 
Several days later I went back to the bank to find out what happened and he told me that they could not do the loan, however Wells is told me that I could no longer withdraw from that HELOC and would just go into a pay back the amount owed which is about {$97000.00}. In fact, they even increased the auto pay amount to just over {$1100.00} per month without my agreeing to that as I was told that it would be about the same amount that was being paid or about {$750.00} per month. 
Mind you that I was NEVER late on this loan or on the 1st Mortgage which is also with Wells Fargo. 
My FICO score is over XXXX and my income for XX/XX/XXXX is over {$94000.00}. 
I had XXXX and told the Manager about it so I was not able to work for about 4 months which put a dent in my income. I should make over {$100000.00} normally. 
I have a fixed social security income of about {$1800.00} per month. 
The only reason for being turned down for the refinance of the HELOC is my age, being a woman and having had 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 2016-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
ECMC is reporting a fraudulent debt on my credit report and is attempting to collect without giving me any information. I already explained that this was not my debt. I pulled my credit report and their address is not listed. Please see page XXXX on the attached below. 

Also I 've uploaded my FTC documents for your review. 

Please help me get this resolved, it 's affecting my family. 

thx XXXX ( XXXX 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 2016-07-07 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR PDQ, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR PDQ, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR PDQ, INC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR PDQ, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 

THIS DEBT COLLECTION AGENCY DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I keep getting letters about a mortgage I filled for but never got. They keep changing debt collectors to try and collect on this. I have never gotten any money what so ever from XXXX XXXX. The latest is a place called Ditech Financial, LLC. They want me to give them all of my personal information before they will even talk to me which to me seems like identity theft. I do n't see how these people think anyone will give them their personal information just out of the blue without some sort of proof about what they are talking about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Ditech has been harassing the XXXX family I the living has had a private investigator sent to my house I have never authorized my private information to be given out or my address to were my children lay there head. I have requested for the accounting both set of books as I know there is 2 sides and any contract Ditech feels that I may have with them. As I have never had a contract with Ditech or gave consent to Ditech. I am asking for cusip number and XXXX form from Ditech. I need the XXXX information to provided to IRS for accounting. I want to see the accounting of the books as there is 2 sides of accounting. Mortgage default title insurance should have been applied for either from XXXX, Greentree. I have no idea how ditech was given the XXXX private information. I have revoked any power of attorney from outside sources and have revoked any power attorney for XXXX XXXX. This company needs to be looked in to I am also sending in a form XXXX to IRS to look in to this company and for all accounting. I have also requested the XXXX oid and have not received this information I am entitled to. I am do back interest and have not been given what is owned to the XXXX Family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
I have XXXX complaints as a result of a refinance of our mortgage. Refinance was done with the same company servicing the original mortgage. First complaint is regarding a Forced Place Policy for Hazard Insurance put in place even though we never had a lapse in coverage. Second complaint is regarding the length of time it is taking to get a refund of our escrow money. 

1st complaint. On XXXX XXXX, XXXX I changed insurance companies. On XXXX XXXX, XXXX I cancelled the original policy. Ditech shows the cancellation notice, which was sent at the same time as the new declaration page for the new policy. In XXXX Ditech ( which was GreenTree at the time ) established a Force-Placed Policy and withdrew XXXX from the escrow account to pay for the policy. An amount that is excessive in nature ( My current annual premium is XXXX ), and should be addressed based on RESPA Section 6 ( l ) ( 3 ) Regulation X. My specific complaint is that they did not refund to us the amount in a timely fashion as identified in RESPA section 6 ( l ), which states payment should be made within 15 days. 

2nd Complaint. Once application was approved, processor did not agree with originator that funds from old escrow could be moved to new account ( which in my opinion would have helped the intention of HARP, by reducing debt and/or out of pocket expense for refinancing ). Ditech on several occasions has informed me that it can take up to 60 days from the day a loan is funded to receive a refund from the old, closed escrow account. This seems to differ from the RESPA Refund of Escrow Section 34 ( b ), which states " within 20 days ''. 

This information was found on CFPB website, at this link XXXXWhich Relates to the Dodd-Frank Wall Street Reform and Consumer Protection Act, which was signed into law, Number 111-203 in XX/XX/XXXX. 
Insurance issue was found on page XXXX and the Escrow refund on page XXXX. 

Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation