vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, Ditech Financial LLC had their lawyers draw up a contract to fully reinstate my overdue mortgage. I executed their contract by paying the {$90000.00} delinquency requested. On XXXX XXXX, XXXX I received a statement that stated I owed an additional {$66000.00} listed as corporate advances. I have sent them two letters explaining to them that the executed agreement did not include the {$66000.00}. If you look at the detail of that amount on page XXXX of the agreement dated XXXX XXXX, XXXX you will notice the corporate advance amount was {$3900.00} which was included with what I paid. Then after I made this payment the {$66000.00} appears on my statement which was not a part of this executed agreement. Now Ditech sends me an apology for the confusion and adds another page to the agreement dated XXXX/XXXX/XXXX which includes an additional {$63000.00} for corporate advances. This to me is some type of fraud to make an agreement and after it is executed to change the original agreement. My contention is that I do not owe Ditech Financial LLC {$66000.00} for corporate advances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ECMC GROUP, INC.
State: OH

Complaint narrative:
XX/XX/2006 I filed for Ch XXXX bankruptcy protection. At that time, I owed {$39000.00} for my student loans. When I filed, my loans were transferred to ECMC ( Educational Credit Management Corporation ). Once my loans were transferred, ECMC assessed fees in the amount of {$10000.00} therefore increasing my loan balance to {$49000.00}. My bankruptcy has now been discharged and I am now faced with a loan balance that has increased by XXXX %. I am in need of information as to how and why ECMC can legally assess me with such a large fee simply for taking over my loan and how I should proceed so that I may begin making payments on my 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 2015-11-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
Green Tree Serving we have insurance threw them they wo n't let us file a claim.Could someone help us, This Mortgage Company is not doing something wright because the escrow does n't change

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
My mortgage lenders Green tree servicing place force place insurance on to my mortgage payment every month without my consent.they harass me on before the XXXX of every month, call me day and night demand payment quick and a {$12.00} XXXX XXXX they change my mortgage payment from {$1900.00} to {$2000.00} without explain why, the denial my loan modification XXXX time, the give the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I paid my loan off within the 30 days before the interest was attached to the loan. I went in and paid cash to the loan officer. the money was n't ever credit to my account. when I asked about the lady that took my money, they advised that she no longer works there. when I talked to the manager she stated that she will make sure I will not have anything negative reported on my credit. due to the fact that my money came up missing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
On XX/XX/2015, I wrote an email letter to XXXX XXXX, Bayview Loan Servicing , LLC that I wanted to sale my house because I was unable to meet with my monthly mortgage payments. Unfortunately, XXXX XXXX never responded back to me. My HARP was denied and since I was XXXX retired, my income had been reduced XXXX % prior to my retirement. During that time, I made XXXX of the payments each month in the amount of {$500.00}. Bayview Loan Servicing accepted and continued to receive monthly payments and charged me late fee and penalty. I stopped my monthly payments in XXXX of 2015 because Bayview Loan Servicing threatened me to foreclose my house. Instead, I made a " good faith '' and attempted to negotiate with them ; and yet, they refused to communicate with me. I wanted to sale my house but with a conditional, so that I can payoff my mortgage principal and I can keep the remaining amount of money. By doing that, both parties will be satisfied. The communication has broken down between myself and Bayview Loan Servicing , LLC . 

I do n't know who is my note holder/holders and I want to communicate with my note holder/holders, so that I can communicate directly. Bayview Loan Servicing can not makes that kind of important decision. If I can request you to find out who is my mortgage note holder/holders and with the complete contact information. The information as followed:1. Mortgage company/companies name. 
2. Mortgage company/companies complete address3. Point of Contact ( POC ) 4. Account NumberXXXX. POC 's Phone Number

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I am also a victim of Green Treen and Ditech charging {$12.00} for the my mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ECMC GROUP, INC.
State: UT

Complaint narrative:
I paid on my student loans consistently from XXXX. I had to stop due to a family crisis and business failure that eventually led me to file bankruptcy in XXXX, XXXX. The case closed in XXXX of XXXX and the majority of my debt discharged. I immediately had my attorney contact the third party student loan collector on XXXX XXXX, XXXX. Rather than communicate with my legal counsel, they sent a form for my attorney to fill out authorizing them to talk to him. This is despite the fact, he had an authorization attached to the original letter. He sent the " Authorization to Disclose '' provided by ECMC. The authorization was lost. ECMC would not even communicate with my attorney for over a year. They denied getting the " Authorization '' and another was sent on XXXX XXXX, XXXX. Once the authorization was finally acknowledged, my attorney requested a hearing, but the hearing request was ignored. My attorney asked for an accounting and for all the documentation held by ECMC. On XXXX XXXX, XXXX, we received a letter explaining that they did not have any information on my prior payment history and the only information they were able to provide was a copy of the original promissory note from XXXX. I still have not received any accounting for all of the payments I made and the net result is I have student loans that exceed the original amount, even though I paid on them for seven years. In addition, I am being penalized for hiring legal counsel, since much of the recent delay has been by ECMC 's lack of communication with my legal counsel and the denial of his request for a hearing. My tax refund for XXXX was seized by ECMC. Their sole objective seemed to be to add the collection costs of 24.34 % on to my student loans. I have no problem paying my obligations, but I 've unnecessarily been placed in default and collections, when simply working with my attorney after my bankruptcy an appropriate repayment plan could have been reached. Now the defaulted loan is impacting my security clearance.

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 2015-10-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I had a XXXX mortgage on a property that had a first mortgage held by Greentree/ Ditech XXXX I forclosed on the XXXX mortgage on XXXX XXXX the foreclosure waswas subject to making payments on the 1st mortgage. I have beenharassed by Ditech debt collectors. I can document that on XXXX occasionsthey received by Fax information from me showing I was the ownerof Record and that I needed information on the mortgage in order tomake the payments. They have never sent me information on thepayment amount/ balance amount etc. The payment amount keepschanging and they call me and tell me I am " late '' in paymentsbecause I did not send in the correct amount.They are adding feesand penalizing me and yet will not give me information on the amountof payment necessary. They harass me constantly by calling severaltimes a day. All they need to do is send me a statement outlining thepayment amount and interest rate and notify me if there is a change. 
The Ditech reps are rude and despite my asking have not sent meany information. I consider them abusive in their practices. I did seewhen I XXXX them that there was a {$48.00} XXXX judgement againstthem for unfair collection practices. If you can suggest a remedy Iwould be glad to try anything at this point. XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or around XXXX/XXXX/14 XXXX XXXX XXXX. sent me my last dispursement check from my Escrow Disbursement account, to finish my repairs on my house from Hurricane XXXX. I NEVER RECEIVED THE CHECK. I called XXXX three times on or around XXXX/XXXX/14 - XXXX/XXXX/14. first time I asked when the check was coming, they said give it more time it is in transit. Second time I called them I told them I did not recieve my check and they should stop payment. Their response was " give it more time ''. Third time I called them, I told them I still have not received the check and for them to definitely stop payment. Their response was, the check has been cashed and that I needed to go to J.P Morgan Chase and request a fraudulent claim form. I told them that it was their job, being that the check was not from my account. ALL OF THIS IS ON THEIR PHONE RECORDINGS OF ALL OUR CONVERSATIONS. I asked that they send me a copy of the check, it took XXXX approximately eight months plus numerous phone calls, to get me a copy of the cashed check. Their explanation of the delay was that they were transferring their insurance loss department to a new location in Texas and all paper work was in transit. Finally, I received a copy of the cashed check and as you can see my signature is not present and nor did I give any authorization to cash this check. I filled out the necessary paperwork to the best of my ability to get this matter resolved, which I will attach. All three banks refuse to take responsibility. 
I believe XXXX XXXX is at fault mostly for not following proper procedures and taking and opening an account with an improperly endorsed check. 
J.P Morgan Chase also did not follow proper banking procedures because they did not check the endorsements and released the funds anyway to XXXX XXXX. 
XXXX is also at fault for not stopping payment when requested and simply not taking any responsibility or helping to resolve this situation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech ( formerly Green Tree Servicing ) failed to perform annual escrow analysis in XX/XX/XXXX after becoming the new servicer which resulted in a huge escrow deficiency and payment increase in XX/XX/XXXX. QWR was sent to Ditech in XX/XX/XXXX to notify them of this RESPA violation and received unsatisfactory resolution. Further attempt to escalate was unsuccessful due to Ditech employee inadequately trained to properly research and address regulatory related complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: KY

Complaint narrative:
Property taxes were removed from our escrow account twice, XXXX XXXX and XXXX XXXX, but Ditech is refusing to apply the refund back to our escrow account. They have completed XXXX internal audits and still can not explain where {$690.00} is. We have made several calls as well as sent several emails but never get a response. They refuse to allow us to speak with a supervisor. Our escrow account was short to pay homeowners and flood insurance in XXXX because they refuse to credit our account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
My Discover card, # XXXX, exp XX/XX/XXXX, was issued with a micro chip to replace my prior card. In that process Discover either erased or did not transfer my information from the prior card XX/XX/2016. Then I received my bill for that month of {$14.00} -- the entire balance of the account. I called in by phone and paid the account with the bank information on file with them for at least the last five years and received confirmation for the payment. The next month I received a bill again for {$14.00} but I did not contest it because I thought the payment had just not yet been posted. XX/XX/XXXX when the bill came it was on the bill again, a charge for {$14.00}, and I called to find out whether there was some error, some recurring charge I did not approve, so I talked to a representative by phone and paid the bill again! I clearly stated that this seemed to be the same bill as the month before, no research was done by the rep and payment was applied again. XX/XX/XXXX when I received the bill again for the third time I asked if it could be researched as I had not charged anything on that account since XX/XX/XXXX. The rep came back and said that when the card was replaced my bank account on file had been deleted so it was showing as an unpaid balance! I told her that the rep XX/XX/XXXX or at least XX/XX/XXXX should have told me this and there better not be a ding on my credit. I gave her my updated bank information, the {$14.00} was debited against the account and then I was dinged -- this was put in my credit file with all three credit bureaus bringing my credit score down over XXXX points! There is an audit trail of these events, I wrote Discover and asked them to remove this as it was their error that they removed my banking information and they did nothing. I am tempted to get a lawyer on this because this should be removed from my credit file by Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I am going through a hardship, I applied for a modification ; I was approved for modification on XXXX/XXXX/2015, payments are {$710.00} more than i was paying. 
( total payment is {$3100.00} ). This is not an affordable payment for me, could you please research a longer term loan ( 50 yrs possibly ), AND a principle reduction to the current market value of my 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 2016-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
I have a house loan with Greentree now called Ditech but still have ongoing issues. 
If I send more money than my payment and ask it be applied to my principal they just place in other account and it does n't decrease my payment. I have to call each month and ask them to place the funds against my principal. 
I had XXXX loan had so many issues I paid XXXX off. I dont want to pay off this XXXX loan with low interest. But it appears they want to force me to. 
Greentree/ditech should not be alowed to seervice loans. They are costing me money. 
Now XX/XX/XXXX they call me saying I 've not paid my house pauyment but I knew I paid it on XXXX XXXX. When I call back to talk to comeone they claim my account is closed. I try to make the lady understand I had XXXX loans XXXX is closed and the other I pay to. I gave up. 
Then the account manager a rude XXXX lady calls me today XXXX XXXX, 2016 yelling at me that Ive not paid my payment. My balance is XXXX on this loan and the house is worth XXXX.+ She claims to be my account Manager but refuses to allow me a moment to look up my payments on my computer. After she hangs up I look it up and call my bank. I paid {$720.00} on XXXX XXXX, 2016 as always by bill pay no changes made in account information where payments were applied in the past 2 or more years other than diatech added to the name. 
The bank showed that on XXXX XXXX, 2016 that Ditech returned the electronic payment. 
The they call me chewing my XXXX when they refused my payment??? 
This company had issues before changing their name. A name change doesnt change there ability to manage loans. 
This need to be addressed immediately. 
Thank you XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
Hello, i am filing a claim on how my mortgage company green tree treated me, first when my mortgage was transferred to them my my monthly payment went up by {$400.00} without enough explanation, and high late fees, they were very abusive both to me and my wife to an extent i was very stressed out and i lost my job because they harrassed me with non ending phone call from XXXX all day long and leaving voice mail i could not concentrate at work.Green tree used to call me every day for like four years even when i schedule a payment with them, they used to call my job, wife, relatives and leaving voice mails.The employees were very rude to us they threatened to foreclose our house even after we had a scheduled payment on file.I had a recording of one their employee by the name jonny. who called and forgot my phone was still recording and they were discussing their customers payments history in a mean way.Green tree lied to us we could only make a payment using speedpay.They took us through XXXX trying to modify our mortgage because every time we faxed documents they claimed they had not received them it was so bad i was ready to walk out of our house.I will appreciate your response Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
i was living in a mobile home and my mortgage was with Greentree. I had fallen very ill and was unable to pay and fell behind in my payments. I lived there for many years and asked them to work with me on it, but they would not. Everyday they would call, with nasty phone calls in a threatening manner. First a man called, then he would hang up, then this was followed by a lady. It was constant around the clock. They said that I was to pack my belongings because they could come out and change the locks. I got really very scared and upset so I felt that I had to leave.They were very verbally abusive on the phone I had a lawyer write them a letter, and all correspondence was to go to him. His name is XXXX XXXX phone no.XXXX. Greentree made my life miserable with their harrassment. I got so sick and nervous over this, and felt that I had no choice but to leave. because of fear of them coming to the house and locking me out and they would let my dog loose. I left in such a hurry to go to my daughters that I left alot of personal items at the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I had a loan with DiTech Financial that went into collections in 2015. They have sent this loan to a collection agency that now reports this account as a collection account on my credit report as a separate listing. According to the Fair Credit Reporting Act, XXXX different companies can not report the same debt on one 's credit report simultaneously. That is double jeopardy. Since DiTech Financial has transferred this debt to a new entity that is now reporting it on my credit report, DiTech financial should either delete their listing, or update their listing to show the account has been transferred. Currently, DiTech is reporting that my loan with them is actively past due, while the company they transferred it to is reporting it as a collection account.

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