vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
It took months to remove my PMI, because I kept getting different answers and Green Tree Servicing stating that they did not have a phone number for their escrow department. They said you had to mail everything in. Once I finally got the PMI removed in XXXX, I was still charge the PMI amount for XXXX & XXXX. They did an escrow analysis in XXXX and refunded me {$140.00}. I was told that this was for the overpaid amount on the XXXX PMI. I was told be a couple different representatives that I would receive a check for the overpaid PMI in XXXX in the mail. When I never received a check, I called back and spoke with a supervisor. She told me that in order for me to get the check back, I needed to do another escrow analysis even though I had just had XXXX done. The taxes have increased since then, so now they sent me a bill for {$190.00} and no refund of the PMI for XXXX. Every time you speak to someone, they tell you they ca n't help you and you need to write a letter to the escrow department. They have terrible customer service and keep telling you different things, so that nothing can get done. They used many stall tactics when I was trying to get rid of the PMI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
We own a home mortgaged thru Greentree loan number # XXXX. We put it up for sale in XX/XX/XXXX. We were notify by the County that the key numbers were incorrect. We notify Greentree when we had a accepted offer thru our XXXX title company. They were trying to get the neighbors loan modify since XXXX loans were loans were with Greentree .Should be easy fix. Closing scheduled XX/XX/XXXX. Did n't happen. Green tree did n't work with it. Sent tile company that neighbors on XXXX XXXX behind on payment. Fired Title Company hired new now all research done documents sent they email yesterday and stated it could be 6 to 8 month before I can sell my home. I will lose my buyer they have waited since XX/XX/XXXX. I would understand if it was XXXX different mortgage co but the same. I have no idea who to turn to. All I want to do is pay off my mortgage and sell to these buyers. If it is not closed by the end of this month they will back out. XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
I am with a mortgage company called greentree services. This company forces insurance on the buyer. If u do n't have house insurance, they will take it from your regular mortgage payment and then call you and tell you that you was short on your mortgage. They calls your job after hours forcing you to make payments and the 15 day grace period does n't even be over. The representative s are very rude and threatened foreclosure after being late a week. I have a fixed rate mortgage and they have went up on my house note at least XXXX bucks monthly. This company also forces escrow on the buyer even when you tell them you will rather pay your land taxes at the courthouse. If you send them a extra payment by just sending them a house payment earlier, they will apply it to the principal instead of the mortgage. So very tired of all this. XXXX rep even told me, if you ca n't afford the house, sell it but pay us when you do. I need help, fast.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Movement Mortgage LLC
State: SC

Complaint narrative:
I started a loan process with Movement Mortgage in XXXX, South Carolina. The Loan officer 's name is XXXX XXXX. I have decided not to pursue a loan with Movement Mortgage due to XXXX 's unprofessional-ism and predatory practices of charging me at least double the rate of services in the mortgage lending industry. I have simply asked for the fee back that I paid for an " appraisal '' the fee charged was {$650.00} which was my first indicator that XXXX was trying to rip me off. She then preceded to try to charge me {$890.00} in non-existent Administrative fees. I am choosing to use another loan officer and company at this point. I asked XXXX for my money back, she has refused to refund my {$650.00} back and told me to stop texting her phone. She then rudely said that I had the " audacity '' to ask her to come to my work for my closing. I asked her to come to my work due to me just starting a new job a week ago and not able to get off to go to closing. After that insult, I have decided to pursue other mortgage lending options and would like a refund of the {$650.00} fee that I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: GMA Investments, LLC
State: NY

Complaint narrative:
This agency has been calling my home every other day leaving messages and threatening to look up my job info if they donot hear back from me and other threatening tactics. I have send a cease communication letter in writing XXXX/XXXX/15 asking to only be contacted by mail, they have since called again on XXXX/XXXX/15 & XXXX/XXXX/15 leaving messages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
Green Tree Financial refusing to provide loan payoff amount timely.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Innovis
State: MI

Complaint narrative:
multiple unauthorized mortgage inquiries on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
XXXX 2015 I called green tree Mort.co now dietech and requested a month deferred. Was told oh yes just make a payment we will defer 3 mo. Called because I never received confirmation nor the modification papers I was promised. Oh there on the way I was told. 3 months later I get an act XXXX foreclosure I call to see and was treated rudly by XXXX. I told her story she said rep knew there was no such program I was offered. Made me pay almost all my income to keep my house. So now I 'm still struggling to get caught up. I got behind in taxes paying them. They took my tax return and will not work with me to get an lower payment or nothing. Belittle me when I call. The mental stress this is causing all they had to do a year ago was say no I would have paid what I could not get behind XXXX dollars which set me back almost half a year. Please help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
We have a mortgage being serviced by ditech. After the escrow review, there was a shortage found and we were asked to pay it up front or have our payments go up. The document stated if the shortage was paid by XXXX/XXXX/2016 our payments would be {$2700.00}. If not they would go up to {$2700.00}. We paid the shortage of {$1000.00} which was applied to the account on XXXX/XXXX/16. But the statement sent to us is demanding {$2700.00}, the amount for not paying the shortage up front. I 've called the customer services department and they claim it was applied to the wrong place and they say I still have to pay the extra amount and said it would come off my next statement. But their own billing statement shows the {$1000.00} applied to the escrow. They still increased the payments as if we did not pay the shortage in full. In essence, they are trying to steal {$48.00} from us each month. In this process, they have also suddenly changed my account number, which will be given in a later step.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-19 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I contacted the loan servicer of my {$680.00} XXXX loan to inquire about the option to rehabilitate my loan. i was advised I do not qualify for loan rehabilitation due to the dollar amount of the loan.. I then inquired about setting up a payment arrangement and was advised I do not qualify for a payment arrangement due to the dollar amount of the loan. I then confirmed with the rep that my only option was to pay the balance in full she responded that no that is not what she said my options were to pay in full or make payments online as I wish but that it would not be considered a payment arrangement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Took out a home equity loan with XXXX, later became Greentree XXXX and is now Ditech. I did not know it was going to be fully due in XXXX of 2014. I thought it was a typical 10 year draw with a 20 year payback. I did not have the {$68000.00} due. I rushed to refinance and was ready to close. They pulled the credit report and Grentree marked it as late. I tried several times for an extension of terms so I could remove the negative from the credit report but they refused. We asked them to remove the negative so we could close and get them their money. They refused. I have been paying them $ XXXX since then and they have taken no action. Just tried again to refinance to pay them off but was denied by XXXX XXXX because Ditech did not return their call for more information to possibly close.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ECMC GROUP, INC.
State: TN

Complaint narrative:
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated

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 2015-12-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation
State: IL

Complaint narrative:
This loan is still on file they have XXXX loans on me almost 10 years old?? They wo n't remove

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
My XXXX was sold to a company named Greentree. Greentree charged me for insurance, even though they had the information and evidence that the appropriate insurance was in place for my condo. They have now sold my loan to Ditech. I can not seem to get a refund from either company. It is a substantial amount of money as they included this charge for approximately over two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
We are selling the property and Ditech is not releasing a payoff to title company which has affected our closing dates. They are not assisting me by phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
We have been in our home since XXXX of XXXX. My husband became ill in the latter half of XXXX and was in XXXX status since XXXX XXXX which took a heavy toll on our household income. I began to contact then Greentree Servcing LLC as to our hardship and was given instruction on the paperwork needed to begin a file process of necessary documents. I obtained all documents asked for and submitted to Greentree Servcing LLC. 
Each time I was told I did not qualify for HAMP due to all documentation not in file which now left us behind on payment due to the fact we were told if our payments were current we would not qualify for HAMP. I was then told I could do a deferment but would no longer be able to pursue the HAMP for at least a year after the deferment. I was then asked to make a payment of roughly {$800.00} plus dollars of which I did and set up an additional payment for {$620.00} to be debited on XXXX XXXX, XXXX and I did that as well. 
Now Ditech has began calling continually saying I owe {$800.00} plus dollars in late fees. 
We have continued to struggle to work with Greentree ( Ditech ) to keep our home but to no resolution. Please point us in the proper direction we pray for relief to this matter. 

Thank You, XXXX and XXXX XXXX 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 2016-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX I mailed my mortage payment to Ditech in the amount of {$2300.00}. I mailed ( 5 ) money orders to the following address Ditech Customer Service XXXX, SD XXXX. According to the US Post office their money was received on XXXX/XXXX/XXXX. All of the XXXX XXXX money orders were cashed in full on XXXX/XXXX/XXXX. However Ditech only applied a total of {$500.00} to my mortgage statement ( 1 ) money order. The total of {$1800.00} was cashed by Ditech but never applied to my mortgage statement. This constitute FRAUD that Ditech is a fraudulent and unethical mortgage servicer. The money order that are missing XXXX XXXX # XXXX {$500.00}, # XXXX {$500.00} # XXXX {$500.00} # XXXX {$500.00} # XXXX {$320.00} I am trying to be patient however I am fearful Ditech will put me into foreclosure because of their billing error. They cashed all ( 5 ) XXXX XXXX money orders on XXXX. I need them to apply the full amount to my statement, A total of {$1800.00} has not been allied only {$500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Debit Recovery Solutions, LLC keep sending me letters, saying I owe them money for ( XXXX ) I do not owe them anything, and do n't even know who they are! Oh, and they ca n't provide me with any information I request and then hang up!! They are trying to scam me and other people, making them believe they owe money!

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 2015-07-24 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: World Acceptance Corporation
State: LA

Complaint narrative:
i made last payment on loan XXXX XXXX i was later notified by family member XXXXthat World Finance had contacted them looking for me. I contacted XXXX and was told that I owed them {$15.00} dollars. I REGULARLY RECEIVE MAIL FROM THEM. Why did n't they contact me? My obligation for that loan was taken care of when imade last payment. It is showing on my credit reprots bas paid and also a balance.

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

Complaint narrative:
After making on time monthly payments, DiTech has decided to report me late to the credit bureaus. In addition, they continue to state I owe monies that i do not owe. They claim it is due to escrow shortage however, my escrow statement from XX/XX/2016 shows an overage. DiTech states that the payment changed due to escrow changing. Per my contract, it states that the escrow amount XXXX change after the first year, not before I made my first payment. 
In addition, I 've been leaving messages for my DiTech representatives to discuss the matter per their previous complaint response and HAVE NEVER RECEIVED A PHONE CALL BACK EVEN AFTER REQUESTING ONE. Here is a list of dates : XXXX at extension XXXX : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. 
XXXX extension XXXX : XX/XX/2016, XX/XX/2016 she stated she submitted a verbal dispute, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. 
XXXX ( manager ) x XXXX : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. 
XXXX x XXXX - I spoke to her on XX/XX/2016 and she said she would have an account manager call me back. I tried reaching her several more times after I did n't get a call and could never get through to her again as she had no voicemail set up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
the company cashed my post dated checks. which i have been doing for 3 years. the company was greentree and was bought out by ditech..ditech cashed all XXXX checks which were dated for XX/XX/XXXX. this caused me to now owe my bank XXXX in overdraft fees. which they will not cover. i an on direct deposit for XXXX and the bank is going to keep all my money. this company ( ditech ) has put me into a financial crisis

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I am current with my mortgage with Ditech however they are showing my account as past due. I have been told by their Customer Service Dept. that it is due to a software upgrade at the beginning of XXXX and that when I made my XXXX payment on XXXX XXXX they did not allocate it properly. As of today my account is showing that I owe them the payment for XXXX plus a late charge and the payment for XXXX. I have contacted them at least five times and each time I am told that they are working on resolving the matter, however I am getting collection calls from them even though I have been told that my account is noted that the issue is on their end and I should not be receiving such calls. I believe that the calls and the incorrect allocation of funds are a form of harassment and possible fraud.

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 2016-11-10 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: FL

Complaint narrative:
This now my 3rd or 4th complaint and the first revealed that Ditech had no record of a debt attached to the phone number they have been calling but yet the calls continue. Today when checked my answering machine there were 2 more. I guess I really need to just start logging these because what, it 's worth a XXXX or so per call and notification and confirmation on debt exists has been well documented on this site!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Ditech was collecting escrow from me without paying the state. At the end of the year, I was sent a check with the entire amount I was paying them, from which I used to pay my outstanding taxes ( which Ditech mistakenly did not pay ). I accumulated interest charges due to Ditech 's complete failure in setting up my mortgage. While I was in the middle of fixing the problem, Ditech sold me to XXXX who I am STILL trying to fix the issue with.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation