vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
This is my third complaint against Ditech Financial LLC regarding Account No. XXXX. On or about XXXX XXXX, XXXX Ditech, for the first time since XXXX XXXX, acknowledgement their own Reaffirmation Agreement, the change in contract terms, including payment and interest rate. However, the letter ( attached ) indicated a past due balance of {$2500.00}, agreeing to discontinue collections, and place the past due amount at the end of the note. We have since sent another letter to all credit bureaus and Ditech providing evidence of payments in excess of those amounts due for years XXXX through XXXX. 
On XXXX XXXX XXXX, I spoke with XXXX XXXX, Director of Customer Service, who promised to get to the bottom of our problem On XXXX XXXX, XXXX a Ditech representative contacted us and said the account was corrected, no longer past due, and the credit bureaus had been corrected as of XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, XXXX, XXXX, XXXX we received collection calls from Ditech for amounts past due. 
On XXXX XXXX, XXXX we received a certified letter stating we were in default, and had 20 days to pay in excess of {$2500.00} or be in default of our note. 
Clearly, Ditech has no accounting department, or very inept personnel who can not maintain accurate records. I have personally maintained a spreadsheet of every payment since the date of Reaffirmation in XXXX, XXXX, which is attached. Unless the CFPB can assist with this ridiculous creditor who can not obviously maintain accurate records, I am not faced with pursuing legal alternatives since we are obviously out of options. We appreciate any assistance you can provide since we are obviously on daily collection calls again even though we have multiple letters to GreenTree / Ditech to cease and desist all calls to our cell phones and employment. The attached spreadsheet identifies the collection efforts in the last few weeks. Thanks you, 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 2016-02-11 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: MI

Complaint narrative:
This debt continues to be reported to the credit reporting agencies as an open collection however I received a " Cancellation of Debt XXXX '' to report on my taxes. If the debt has been ( cancelled or forgiven ) as it reads on the XXXX, how can they still pursue collection?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
Green Tree Servicing refused to apply additional fund to the principal balance despite their website clearly indicating they will automatically apply such funds. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have submitted a complete short sale packet on XX/XX/XXXX2016. Once received the lender ( DI-TECH ) ordered a BPO ( broker price opinion from an REO broker which is in my opinion a conflict of interest as they they are not Licensed or Certified Property Appraisers and are not allowed to make adjustments for repairs. I was then told to get XXXX Estimates from Licensed Contractors in regards to the cost of repairs. I have done all that was requested and submitted to the lender who seems not to know what department is actually handling this short sale. There is an assigned Relationship manager named XXXX whom i have never spoke with and has not tried to make contact. There is a scheduled sale date for XXXX/XXXX/2016. and i am waiting to conform if the sale has been postponed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My complaint is against the following Company : Green Tree Servicing - XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX www.XXXXcomThis company illegally placed " attorney fees '' on my mortgage without my approval and i have no idea why. They said it was attorney fees that they placed on my monthly mortgage and did not mention or give me any written explantion of these fees. I had to pay them so my monthly payments would not default or be late. I demand these fees be returned to me in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: GA

Complaint narrative:
World Finance and I settled in XX/XX/XXXX and agreed that I would pay {$75.00} a month to settle my balance. I have been doing as such. This arrangement was made in XXXX County, GA. They have since filed a suite in XXXX County to garnish wages because XXXX County will not accept them. Again, I have been paying to my agreement. I have called the office to rectify, however, they do not respond at all. I believe that this behavior from them is being taken against me because I requested that they remove inaccurate information from my credit report. World Finance reported as a judgment when there was no judgment because we settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
The loan I secured in XXXX for my home was with XXXX. It was a 10-year interest only loan converting to an ARM based on the LIBOR. I just received notice from Ditech ( the fourth lender since XXXX ) of the amount of my new payment beginning XXXX XXXX, XXXX. I do n't have a problem with the interest rate going up because I understood that from the beginning. What I am now discovering, however, is that the amount applied toward principal is less than the previous year which leads me to wonder if the method they use for amortizing the loan will ever bring the balance to zero. 
In conversations with various lenders about refinancing with XXXX, I 've been told that I would have to go through my current lender because I continue to need a no doc/stated income loan as I am self-employed with XXXX credit scores. I have been told by Ditech that there are XXXX problems with refinancing with XXXX. The first is they are showing ( incorrectly ) that my home is a multi-family home even though I have confirmation and verification from my county tax office that it is a single family residence. 
Secondly, Ditech is stating that since I have an Alt-A loan, they can not put me in a new loan that will raise my payment. In other words, I could not convert to a XXXX or 20 year fixed interest rate loan even though that would be in my best interest because my payment would go up. This notion is somewhere between hypocrisy and irony in that my payment continues to go up each year with my current ARM and could go as high as 10 %! 
My concern is that there may have been unscrupulous business practices on the part of XXXX and unwittingly continued with Ditech. 

As mentioned, the original loan was a no doc loan since I 'm a self-employed XXXX with excellent credit scores. That has not changed, however, I am now XXXX. I 'm hopeful there is a no doc XXXX or some instrument that would not be starting all over again with a 30 year mortgage - or possibly modifying my loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ECMC GROUP, INC.
State: IN

Complaint narrative:
A hold was placed on my checking account this afternoon for {$5100.00}. I contacted my bank, XXXX, and they named Premier Credit of XXXX XXXX and Indiana Department of Revenue as the parties requesting the hold. I had not heard of Premier Credit of XXXX XXXX before, and because I pay taxes I 'm familiar with XXXX. However, I was shocked to learn that there is a claim for that amount of money, and even more shocked to have found out by not being able to access the funds in my bank account. I did not receive a certified letter, a notice to appear in court, a day in court, nor was I served papers, or anything similar that could prove that I was provided with communication regarding whatever is going on. According to XXXX, they received a court order and have to comply - my question is where is MY copy of said order? Why do n't I have the order? How is it legal that a XXXX is afforded due process, but I 'm not? I 've been paying taxes since I was XXXX years old, and my income continues to rise, which means the amount that I contribute to this state continues to increase - along with my property taxes. I am extremely offended by this miscarriage of justice. Why is it legal to take money from a bank account without advising the account holder in advance ( certified notification )? Furthermore, this money is not owed, which I will have to spend my time, taking away from my husband and XXXX young children, during the next several days/weeks/months resolving whatever this is all about. However, my issue right now is not whether I owe a debt for {$0.00} or a XXXX dollars - the issue is how is the practice of seizing bank accounts over an " assumed '' debt without providing prior notification or even dispute resolution legal? Where is my due process? Where is my day in court?

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 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
Purposeful misrepresentations, Abusive tactics, Obstructing Hamp modification. 
Applied for XXXX refinance due to lost income. 
1.Green tree representatives, kept pressuring for payments during loan modification approval period, by using abusive language. 
2.Would not give status of modification without payment of past due balance. 
3. Misrepresented that we had to have our payments current for the Hamp review committee to approve our modification4.Would not give name of supervisor when I confronted representative about abusive behavior. 
5. Called XXXX times per day during the Hamp trial period. To tell us that our loan was in default and we needed to pay the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WV

Complaint narrative:
I have had numerous problems with Green Tree Servicing. I ALWAYS pay my regular payment plus an additional {$50.00} each month for the principal. In many cases, the principal is not posted to my account. For my last payment, this company only said I paid {$110.00} when in fact I paid $ XXXX.Also, my principal payment was not credited. I have been given NOTHING but the runaround from this company!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I had multiple federal loans from XXXX XXXX and because I am in the military I used my Student Loan Repayment Program which paid XXXX XXXX {$9000.00} in XXXX lump sum. That was XXXX of the only payments I have made on my loans since I graduated in 2008 but the amount should have kept me current for many years. My total student loan debt was about {$40000.00} at that time. XXXX received payment and then transferred my student loans to ECMC where interest is accruing rapidly. I personally feel that the lump sum of money should have brought me all sorts of options including the XXXX and/or XXXX XXXX. I am currently serving in the XXXX XXXX ( XXXX ) and also I work XXXX ( 5 years ). 
Instead, once ECMC got a hold of the account they have been asking for payments and I was not able to pay the monthly fee due to the fact I was barely able to keep a roof over my head. I have since entered into the XXXX program with ECMC but I feel it is unfair due to the fact I paid a lump sum to XXXX XXXX. I should be entered into a XXXX program immediately with the lump sum taken into account. Also, all the interest that has been accumulated should be wiped clear. I understand that XXXX consecutive payments on a loan forgiveness program is the standard but I should be offered 5 years of consecutive payments, at this point, after such a large sum of money was paid. Please help me find a solution. I even have another {$1000.00} left I can pay in lump sum from my XXXX to aid in the activation of XXXX and/or XXXX 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 2016-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
The property taxes from my escrow account were not paid to XXXX XXXX, NC, for the year 2015. I have called Ditech twice for a resolution and they still have not resolved the issue even after 2 months from the first phone call. My name and address have been posted in the local newspaper stating that I have not paid my taxes, resulting in a defamation of character, even though Ditech is at fault for failing to pay the property taxes.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
On XXXX I was told my new mortgage payment effective XXXX would be {$630.00} based on a loan balance of {$100000.00}. On XXXX I made a payment of {$22000.00} to reduce my loan balance to {$86000.00}. Despite this payment, Greentree claimed that my mortgage payment would still be {$630.00} despite the reduced loan balance. I have spoken to Greentree XXXX times only to be told " they would look into it '' but that I still had to pay {$630.00}. On XXXX XXXX they sent me a letter saying that " my account has been approved '' but that I have to continue making the {$630.00} payment until I hear from them. I have never missed nor made a late payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Bureau of Lancaster County, Inc.
State: PA

Complaint narrative:
I have sent in documentation that this debt was paid and still have no answer nor will this company properly communicate with me. They hang up on me mid-sentence every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
I was taken to the emergency room at XXXX XXXX XXXX in XXXX TX. on XXXX XXXX, XXXX. I am XXXX Vet, all my medical is paid by the VA. I had confirmed with the VA and XXXX XXXX the bill was paid in full. In XXXX of XXXX I received a collection notice for {$770.00} from Debt Recovery Solutions , LLC XXXX XXXX XXXX, New York XXXX. I immediately called the VA and they confirmed this bill had been paid 5 years ago. The hospital also confirmed the bill was paid. When I called Debt Recovery Solutions the agent was extremely rude in fact hung up on me twice. I called back and asked some questions but the only thing he would say was send a fax proving the bill was paid and hung up. There was no fax number on their notice so I called back and he gave me one. I recently got a notice that there was problems with my credit score and I needed to address this problem. I pulled up my credit report I get once a month from my bank ( XXXX ) and was shocked there were XXXX outstanding amounts in collections, all were from previously paid medical expenses paid in full by the XXXX of witch I also just confirmed paid in full. I have a strong feeling that this company is targeting VA payments that do take some time, over a year to settle up. Through skip tracing methods they can easily find laps periods between XXXX XXXX for Vets and the final resolution of payment by the VA. This example of receiving a collection notice 6 years after services rendered, and after confirmation from the VA. is very troubling and has dropped my score more that XXXX points. Can I get any help with this and my credit scores?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Ditech is the mortgage holder on my property at XXXX XXXX XXXX. XXXX XXXX PA XXXX.I am a XXXX XXXX XXXX XXXX.I received my award form the VA last year.Included in my rarting is exemption from real estate taxes on most of my property.I still do pay for an additional XXXX acres of my property.When i submitted my paperwork to Ditech about the exemption it took quite awhile almost a year for them to lower my escrow payments to adjust for the lesser taxes i will pay.Ok they lowered escrow payments but now they are always late paying my real estate taxes.They are now late for a payment that was due XXXX XXXX, 2016. I have called them numerous times ( their tax department ) and it is to no avail .I have submitted to them the times and payment amounts for my taxes.They are still paying late and i am assured they are paying the late fees but i dont believe them.I need them to get their act together and pay my real estate taxes on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I was often denied a modification or any relief from my Green Tree mortgage ( which started with a XXXX Mortgage that was eventually assumed by Green Tree ) when I had asked due to my job loss. To keep my credit in tact in struggling to remain current with Green Tree, with their offering no relief and conflicting information on instructing me to fall behind in payments for relief ( which I could n't in good conscience do ), I had no choice but to withdraw {$55000.00} plus from my XXXX ( also having to pay early withdrawal and penalties ) to sell my home for a reduced price and to use the XXXX withdrawal to pay Green Tree the difference between the sale and balance owed ( house was underwater ). There appears to have been several class action suits, but I am never on a list as a member of such. After the home was sold, I moved out of state to a state with more reasonable real estate prices with a continued declining situation. It was and still is a struggle with the above-mentioned resources exhausted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Eagle Home Mortgage, LLC
State: TX

Complaint narrative:
I decided to buy a XXXX home that was almost done being built. From the beginning, I was rushed to complete the loan docs and close by XX/XX/2016. I was encouraged to use their lender UAMC because they offered closing costs and covered other expenses. The first lending disclosure showed the monthly payment to be approx. {$2100.00}. After submitting additional documents as requested, I received another lending disclosure through XXXX that showed the amount to be approx. {$2600.00}. I talked to the mortgage consultant I was working with XXXX XXXX and asked why the new disclosure showed a different amount. She said she would look into it and get back to me. Shortly after, I received the final lending disclosure that showed the monthly payment to be {$2100.00} three days before closing. Since that was the amount I was prepared to pay, I was prepared to go to closing. I did not use my right to negotiate a better price, interest or use another lender. At closing, I signed the Final Lending Disclosure that showed the payment to be {$2100.00}. On XX/XX/XXXX, I received a statement and bill from UAMC showing the payment to be approx. {$500.00} more than what I signed up for. Due to the holiday, I called UAMC on XX/XX/XXXX to ask about the discrepancy. I was told by XXXX that she would contact the Loan Officer-XXXX. I was not contacted again until XX/XX/XXXX by email from XXXX asking me to sign a new payment letter showing the amount as {$2600.00} saying there was an error in the monthly property tax reserve. As a consumer, I am not aware of what is missing on forms that I 'm signing. I faxed her a letter letting them know this was unacceptable and that they needed to adjust numbers on their end ( i.e. home price, interest rate, etc. ) so that my payment was correct and my escrow was covered by my monthly payment of {$2100.00} as I believed they were when I signed the closing paperwork. She argues that they are not in violation of the Truth in Lending act as I stated in the letter because other costs were less than originally stated. My reply by email was that as a consumer, the number that is important to me is the monthly payment. I need immediate assistance as the payment must be made by XXXX to avoid a late charge and I do not want any impact on my credit score. This is my 3rd mortgage experience and I 've refinanced twice. This is the first time I 've ever had an issues. I 'm not ignorant but this has to be a violation of the Truth in Lending Act. I could understand if months or a year from now, there was a slight increase due to taxes being higher than expected but the first payment?

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