vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I am writing this complaint to disclose my unfortunate circumstances. I have financial hardship and going through lot of problem in my life. I felt behind my mortgage and I can not afford to pay mortgage. I am trying to do a short sale on this property and the servicer of this loan is Ditech financial LLC and they have completed a full appraisal of the property on XXXX/XXXX/2016 and the valuation came back as $ XXXX. My authorized third party have submitted an offer for $ XXXX more than a month back and this offer is more than 95 % to their value. Since then neither me or the authorized third party are being helped by the servicer and they are not also providing any clear status update on the file. Not only that they also tried to restart the file from scratch 3 times without any legitimate explanation. They are negotiating this account in bad faith and depriving me from my rights to get ride of my debt via short sale. Please take immediate actions and help me complete short sale on this property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
On XXXX XXXX, 2014 I purchased a home. My spouse called XXXX and asked to be turned off on XXXX XXXX, 2014. However the gas company did not show record of this and billed for XXXX which I went back and forth with them about. 

They have sent it to a collection agency and I offered to pay in full to get it removed from my credit report even though I did not live at the address any longer and whoever does or did live there used my gas or name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
My identity was mistaken by a debt collector named Debt Recovery Solutions , LLC ( " DRS '' ) of XXXX, XXXX, XXXX XXXX. DRS claimed I owed a debt for medical services that in fact were not related to me and that I did not incur. I disputed their claim in writing and requested that they provide supporting documentation verifying the accuracy of the debt collection. Subsequently, the supporting documentation they provided reflected information of an individual with a similar name as mine, but with a different date of birth and an address at which I have never resided. Thus confirming that DRS 's attempt to collect this debt from me is erroneous and baseless. 

Nevertheless, DRS has negatively impacted my credit report, by recklessly reporting this debt collection to my credit report. I have disputed this debt collection and erroneous credit reporting to both XXXX and DRS and have provided DRS with documentation that contradicts and disproves their claim of my obligation to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
The original loan was in excess of {$50000.00} to XXXX XXXX XXXX, we got caught in a financial crisis and were unable to repay correctly. They merged with or sold the loan to Greentree Financial who then sold the loan to Ditech Financial. During this we have continued to repay the loan to the extent the current balance is around {$12000.00}. We have every intent of repaying this loan completely. Our issue is that all of the compamies involved, XXXX, Greentree and Ditech are reporting the same loan as delinquent, charged off or a collection account. Since Ditech has had the loan we have not missed or been late with a payment. I do n't feel it is fair for all the companies to be reporting the account in a negative fashion when it is obvious we are trying to do the correct thing by paying the loan down and ultimately off. Other than the fact it was originally a collection account when Ditech got the account they should not be reporting as delinquent or in a negative fashion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: DE

Complaint narrative:
DiTech Mortgage ( bought out Green Tree Mortgage a couple of years ago ) continues to charge me a late fee and sends me statements with past due amounts. These are all not accurate, especially since I am on the bi-monthly autopay program for my mortgage. Yes, twice a month they withdraw the amount to equal my mortgage each month. I have called to get this fixed in the spring and now they have started again. I called DiTech 's customer service number XXXX nights now, I remain on hold for up to 10 minutes and then the phone gets picked up and cut off. My credit XXXX and pride of the right thing, consumer rights is very important to me. Your assistance would be greatly appreciated. 
Thank you!

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 2015-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
I am trying to get a home modification loan for my home. I have been at this process for months. I have sent in all the correct paperwork at least XXXX. I am told it is not the correct paperwork so I call and get sent to a voice mail, I leave a message, never get a call back. I did get a letter in the mail stating that the information that was requested was never received so the modification was denied. Really!!! How many times does one have to sent the information, leave voice mails and never get replies. I am in danger of losing my home because someone thinks this is joke and its not important or maybe it because I am a XXXX something XXXX male that owns my own business so who ever is handling this case feels I am not worthy of working with. I feel that I have been discriminated against because of my economic status and sex. I have had nothing but problems with this company from day one. The mail they send is out of date, they have lied several times stating one thing and then sending a letter saying the exact opposite. My credit has been destroyed due to the absolute ineptness of the staff the I have had to work with. Its obvious that little training or education is needed to work for this company as they all make up what they feel will sound good so they can get you off the phone or they threaten you with loss of your home and your credit. Greentree needs to be out of business and never service another loan again. This has caused undue stress resulting in medical issues for myself at this point. I can not move on with my life until this issue is taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
my concern is with green tree Servicing company.
I had to do a "short sale" on my house, but Green tree did not lose ANY money, it was the XXXX bank that agreed to take less money. Escrow closed on XX/XX/2014After all was said and done I found out that Green tree sent gardeners and other repairmen to the house and charged ME for work even tho it wasnt even my house anymore!.....they charged me over XXXX dollrs to print the notice of default in the local paper. they overcharged me XXXX dollars in paying property taxes. i called the tax collector, and they told me that XXXX dollars was refunded to "core"- should have went to me. Green tree trespassed on the property, it was another owners property. the workers took some items out of the yard....worth about 1200 dollars. And altho I did my part and left the house, they DID NOT do their part and give me the XXXX dollars relocation fee for this "foreclosure" that they acted on. 
Green tree writes me a letter saying that they had the right to keep the place in good condition. it was in good condition- they did NOT have to re key and winterize and do all these things that banks do to foreclosed homes. it went directly to another buyer.
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 2017-01-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
In XXXX, the company named Debt Recovery Solution sent a notice ( dated XXXX XXXX, XXXX ) attempting to collect a debt for a XXXX bill from XXXX. The notice did not elaborate any further. I immediately responded in writing and advised I did not owe such a debt. I requested that the company either cease collection efforts against me or provide proper proof that the debt belonged to me. 

I have received a response from Debt Recovery Solutions dated XXXX/XXXX/XXXX with what they claimed was proof the debt belonged to me. It is clear from the documents that the debtor is a different person with a similar name. I have responded a second time in writing to advise this is not my debt and the wrong person is being pursued. I again requested for Debt Recovery Solutions to cease collection efforts against me. 

Debt Recovery Solutions failed to do a proper and minimal investigation. The documentation this company has presented is for a person with a similar name that resides is a different state. Had the company properly verified my residential history, date of birth, or any other pertinent personal information ... it would have found that they erroneously associated me with this debt. 

As a result, I have been falsely accused. I have invested many hours of my time to respond and defend myself. I do not want this company to falsely associate me or my credit with this debt. I wish to file a complaint against Debt Recovery Solutions LLC for their improper and unecessary attempts to collect this debt from me.

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 2016-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WV

Complaint narrative:
about 6 years ago I had a home repossessed from me from my mortgage company.. 
they called me on several occasions an told me that I was behind on my payment an that I was either late or they did n't take enough money out of my account and charged me more and by saying more I mean like I was paying them like XXXX to XXXX a month for like six months till I could n't afford to keep up with it anymore.so then they told me that I had to move an paid me some where around XXXX to XXXX to move out I feel like they stole from me and caused me to have bad credit I have learned that they are in a huge law suit do to wrong doings to people. how I found this out was trying to repair my credit also I remember a time when an investigator came talked to me shortly after all this happened just never thought no more of it till now ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I have been trying to do a short sale for months and have not heard from my mortgage company since XXXX. Please help me with resolving this issue as I have a foreclosure sale next month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
My mortgage company is charging me excessive escrow amount. I bought my property XXXX, XXXX. This was a new building. The taxes on the land only was XXXX per XXXX. In XXXX the property was assessed and the additional amount for the improvement was XXXX covering XXXX XXXX to XXXX XXXX an eleven month period. my total for XXXX was XXXX and my XXXX estimate is XXXX. Their escrow analysis shows my taxes as {$18000.00} which is wrong. They use the XXXX as taxes for XXXX and as added assessment for 11 months. I have been trying since XXXX to explain but and have my escrow at an accurate amount but they refuse to have an accurate amount. 
Thanks for your help in this matter. 
My Mortgage company is Ditech, XXXX XXXX TX. Tel. # XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OK

Complaint narrative:
On XXXX/XXXX/15 my bank sent an electronic mortgage payment to Greentree Servicing for {$1500.00}, ( confirmation # XXXX ) since I had forgotten that the payment had just gone up due to escrow, on XXXX/XXXX/15 I had the bank send the remainder of the payment {$23.00} ( confirmation # XXXX ). For a total of {$1500.00} which is what my payment is. ( This payment was for XX/XX/XXXX, I was a little behind ) The payment shows up on my account when I log into my account on GT 's website, but they have not yet applied it. I 've talked to XXXX different people and they 've all told me, they see the problem and will fix it. I 've also sent XXXX emails to them and all I get back is a letter saying they will look into it. Instead, on XXXX/XXXX/15 I receive a " Notice of Default '' that my XX/XX/XXXX payment is now 60 days late and I have 30 days to catch it up. I think they did this on purpose to throw my account into Default. It should not take 30 days to credit my payment, as of this date XXXX/XXXX/15 it still has not been applied. I 'm still getting rude, harrassing phone calls telling me my XX/XX/XXXX arrangements are not acceptable. They 've sent a guy to my house to collect, which I refuse to give to him, since I do n't if he 's truely from there or not. I did n't have any arrangements and the payment was made 30 days ago, just needs to be applied to the principle, interest and escrow. I do n't understand why it is taking over 30 days to apply it. I always have my bank make the payment electronically and it shows up on my account the same day I make it. One lady told me, it was n't going to the right division, which does n't make since if it shows up on my account, they are obviously recieving the payment. I want this payment applied to my XX/XX/XXXX payment like it 's supposed to be and the " notice of default '' rescinded. As I was NOT 60 days behind when the notice was sent. Yes I do owe for XX/XX/XXXX still, but that only makes me 30 days behind and they do n't send out notices unless it 's 60 days behind. However, I 'm afraid to send them anymore money until I know it 's going to be credited to my account in a timely manner. They see the payment there, why ca n't they apply it. Not to mention, they 're reporting to my credit that I 'm 60 days late, which is clearly not the case. Tired of their incompetence and harrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I had submitted a complaint ( Case number : XXXX XXXX about the Debt Recovery Solutions debt I did not owe. They responded and sent a letter through CFPB that they will delete it and send it back to the original collector XXXX XXXX XXXX. My reports updated on XX/XX/XXXX, and I found out that they deleted the file from XXXX and readded it to my XXXX report under the same name Debt Recovery Solutions and XXXX XXXX XXXX. They are the same company and they 're just jumping from report to report with this.

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 2015-05-18 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: NC

Complaint narrative:
i recieved a letter from green tree servicing about a moble home they say i owe for in 1990 ... ..i have never had a moble home, they say the account number is # XXXX the creditor was XXXX XXXX XXXX ... ..I have never had anything with XXXX XXXX XXXX,,, and they really did not have any info on this ... to say i owe something from 25 years ago ie stupid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Innovis
State: SD

Complaint narrative:
CBCINNOVIS reported my XXXX year old Father 's unlisted # as mine. This # is never given out for any reason except to close family members. XXXX. I was forced to remove the # and get him a new XXXX! Now we have no way to advise the new # to family members that we ca n't reach. They also have my Daughter 's address listed as mine. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX SD.XXXX. They have been told XXXX in last 8 months to remove the information and have refused. These have never been and are not mine! They are giving this info to hospitals. I have XXXX and have bills that I am not able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Contacted via txt message from XXXX, threatened with a warrant/civil procedure for a debt from a credit card. Called the number they provided, stated as their attorney, ( XXXX ) and was asked to make a XXXX payment of {$250.00} that day or face them submitting a warrant. Was asked to email a copy of my drivers lisence/state id to XXXX. Was suspicious about XXXX payment, was not offered other forms of payment when asked, and that it was a gmail account, and that they wanted a copy of my id. 

Called the collections agency i knew i had a debt with, and confirmed there was no civil procedure against me or a warrant pending, and made a payment of {$300.00} and set up a monthly payment plan with them ( XXXX ). 

I txted back the alledged attorney and said i paid the collections company, was not comfortable submitting a copy of my id or making a non-refundable XXXX payment, and told them to stop contacting me, gave them the # of ltd to confirm i made a payment/set up a payment plan. 

They responded as such- '' this is your warrant which i am going to send to the local police dept '' I replied that the local police only serve criminal warrants, not civil warrants and to stop contacting me or i would report them to the proper authorities. 

Which i decided needed to be done regardless of them replying back, they were threatening, only offering payment via non-refundable/traceable means, had a gmail account for a supposed attorney, etc, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
Revenue Group keeps calling me on a bill that I am making payment to. 
*Revenue Group stated that I am not in hardship and the payment I am making is not enough. They also stated that I need to make half the payment that day XXXX/XXXX/XX/XX/2015 That amount was {$600.00}. I explain that I am making payment and do n't understand why the calls. 
*Revenue Group stated that I have the money and should pull from my other means. 
*They also stated because I have a house, husband, cars and a job that I should make bigger payments and not act like I 'm in hardship. I am NOT sorry for doing the right things in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My loan was serviced by Greentree previously and than transferred to Ditech on XXXX/XXXX/XXXX. I have 2 complaints : 1. I realized I did not receive my XXXX when completing my XXXX taxes so I requested online. I received multiple letters telling me that they were " in the process of reviewing your request. Our research has not concluded. '' What research was needed for printing a XXXX to send? First week of XXXX, I received 1 letter size envelope and 1 legal size envelope. They both contained printed copies of 12 monthly statements rather than the XXXX I requested. It took 2 months to have 2 different people taking copies of my statements rather than sending me the XXXX? 
2. My last payment is due this month. I tried calling 4 different days and times to ask if the final payment needed to be mailed and to stop the auto payment. The recording indicated it could not process my request since my loan was recently transferred and it would take a couple of weeks to receive the paperwork. My loan was transferred almost a year ago ( in XXXX )! There was no other options given on the recording to speak to someone. It just said " good-bye '' after the other message. I went online to make an online payment. It did not work. At this point, I was in a panic so I went to USPS and mailed my final payment check for next day delivery ( paid {$27.00} ). My account shows the check cleared XXXX/XXXX/XXXX. However as of today ( XXXX ), the payoff is still not reflected on my account. 
As you can see, I made every effort to make my final loan payment. However, Ditech made it impossible to speak to anyone or make my payment on time. I believe this was way for them to show me delinquent on my last payment and to charge me late fees. Just like Greentree before them, it shows the incompetence ( sending monthly statements rather than a XXXX ) and the shady way of doing business ( to have my loan go delinquent and to charge a late fee ).

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