vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
My husband was laid off in XXXX, creating a financial hardship. I contacted Ditech when we realized it was going to take a while for him to get his old job back. Upon doing this Ditech told us that we could apply for loss mitigation. They assured us that we did not have to worry about making our house payment during loss mitigation because nothing would happen during this process they could not do anything about it, there would be no foreclosure taking place. They also told us that if the loss mitigation application was denied they would work with us on making repayment to Ditech. One representative quoted {$1500.00} a month and ask us if that was doable. Other representatives gave us conflict thing information on a regular basis. But overall we were told we did not need to worry about our mortgage payment repeatedly. Now Ditech is telling us that we have to pay them almost {$3000.00} in order to catch up our payments. They will not except just one month to start. Although they did except it once before but now they 're telling me they wo n't. So instead of being able to work with them to set up a repayment program as they repeatedly told us they would do, they are requiring all late fees and two months worth of payments in the next 13 days or foreclosure proceedings will start. They have lied XXXX 's repeatedly during this process, one representative after another with different information. Some agents told us that we would have the payments tacked onto the end of our loan, some representatives told us our interest-rate would be lowered, some representatives told us that our loan would be put out to a 40 year loan. Again repeatedly assuring us that we did not have to worry about making a mortgage payment that they would work with us if our loss mitigation package was denied to set up a repayment program. None of this turned out to be true.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Audubon Holdings Group
State: TX

Complaint narrative:
Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX from XXXX XXXX is calling me stating that I have to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
i made large payments of {$19000.00} and {$120000.00} that were clearly marked as principle only payments. The payments have been misapplied, the new payment has not been adjusted to the correct amount of interest due - instead the company has precharged interest using the larger principle balance that has been reduced. The company has refused to act quickly to resolve the issue. The company ditech has recently within the last 30 days taken over this mortgage from Greentree my previous mortgage company. I need help getting this quickly resolved and penalize the actions of the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My wife and I bought a second home in XXXX with XXXX. 
We filed for Chapter XXXX Bankruptcy in XXXX, but this mortgage was not included. So, we continued to make the payments every month even though this loan had changed hands several times. In XXXX of XXXX, our Chapter XXXX bankruptcy was discharged. Since XXXX of XXXX I have been calling them to see about receiving a regular statement, i.e. showing the principal, escrow, and interest payments, etc. 
I have been calling them at least once a month upon receiving thier statement that does not include any " real '' information. They have told me that there were unapplied funds, that I did not have to make a payment, that they were working on reconciling my account. This month I recieved a " statement '' showing : my payment, an escrow disbursement, and XXXX payment reversals dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I wonder if my payments have gotten mismanaged or who knows?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I requested a loan modification from Green Tree XXXX GT ), which was processed in 2014. As a result, my interest was lowered, which helped a lot. But for some reason, GT increased my principle on XXXX XXXX, 2014 by XXXX amounts, {$8900.00} and {$1800.00}, a total of {$10000.00} XXXX Attachment XXXX ). I requested an explanation and GT sent some accounting statement which did not make sense to either myself or my modification officer. After numerous calls, GT is not giving any good explanation to those amounts. XXXX explanation I heard was my unpaid mortgage ( I believe I missed three months of {$1600.00} and the other three months were trial payments ( Attachment XXXX ( a, b, c, d ) ). This explanation does not make sense : a ) the amount unpaid is less than half the amount which was added to the principle ; b XXXX part of any mortgage payment is to payoff the principle, why would that also be added to the principle ( instead of reducing it ) ; c XXXX is it even legal to do so? I also had no lapse in property insurance coverage ( Attachment XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
My mortgage company loan ( XXXX loan # XXXX ) was sold to ( green tree loan # XXXX ). XX/XX/XXXX. Which has now turned into Ditech XXXX # XXXX. 
They ( Green Tree/Ditech ) Claim that I missed a payment. I have not and sent them the proof a couple of times. And they still claim I missed one payment and are charging me late fees on top of the regular payments. I have ALL the bank statements and copies of checks to show that I paid every payment. As well as a Expense Detail Statement from XXXX XXXX showing they released {$1800.00} to Green Tree on XX/XX/XXXX. I need to know how to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We have been processing a short sale for a client who has a mortgage through Ditech Loan Servicing ( FKA Green Tree Servicing ) since XXXX. The original offer started out at {$420000.00} and it was not accepted because the lender was not taking into consideration the effect that structural issues & damage has on the value. The home is sinking into the ground and into the lake that it is on. We have provided Ditech with several full appraisals, engineer 's reports & repair bids to substantiate this. We have had several offers since XXXX, each time lower than the last due to these issues AND this home can not qualify for any type of financing and can only be purchase with a cash buyer who is able to make the necessary repairs. Each time Ditech rejected the offers no matter what supporting information was provided. This brings us to XXXX XXXX. An offer was received for {$300000.00} after the potential buyer completed an appraisal of his own to determine what a viable offer would be ( he made the offer at full appraisal value of {$300000.00} ). Ditech did an appraisal which resulted in a value of {$330000.00} and rejected the offer. We were able to find another buyer at {$330000.00} and submitted the offer to Ditech on XXXX/XXXX/XXXX. Ditech has since done another appraisal and is now saying that in a span of less than 3 months, the appraised value has increased to over {$430000.00} and they will not be considering the current offer of {$330000.00}. They have no explanation as to the differing values and will not even discuss this any further. No one will speak with us and the assigned representative does not respond tocalls or emails as we have been trying to reach him since the offer was submitted on XXXX/XXXX/XXXX. In addition to this, Ditech throws out any documents on file once an offer is rejected, so each time a new offer is submitted, a completely new application package and all supporting documents ( such as divorce information which does not expire ) have to be resubmitted. This is extremely frustrating to the borrowers, yet they have complied with each request. Ditech has rejected several viable offers which were supported by appraisals, repair bids, engineer 's reports etc and they are moving forward with the foreclosure when the borrowers have done everything to comply with the short sale process requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
Did not try to call me to fix problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I went to see XXXX XXXX XXXX XXXX in 2013, to get XXXX, on my first visit was the XXXX exam and how much my XXXX would cost me per XXXX. I give them my XXXX insurance card and a voucher of {$120.00} for my XXXX or XXXX. I was told that my exam was {$120.00}, I let the lady at the front desk know she can use my {$120.00} voucher to pay for the exam and XXXX will take care of the remaining balance. I told the doctor I would have to come back for my XXXX, do to money problems. The doctor told me to use the XXXX trials for two weeks to see if I would be happy with them. Once my two week was up, I went back to order the XXXX that 's when I was told I had a outstanding balance. Of which I never received any XXXX nor XXXX from them, I only received an exam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FirstPoint Collection Resources
State: TX

Complaint narrative:
My husband received a call that we have been turned over to a collection agency for a medical debt that occurred in 2013. He asked for a statement and told the collection agency that we would be happy to pay as long as we received a statement to verify the debt. He was told they did not have to provide a statement and this would be reported on his credit report. I in turn called them and attempted to have them send me a copy of the debt we reportedly owed but they refused. I have not received any written communication from the collector only a phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: 4M Collections, LLC
State: CA

Complaint narrative:
XXXX companies reporting same information on credit report, entered into a payment agreement with XXXX Ca. on XXXX/XXXX/2016. They are accepting my credit card payments directly to them, therefor discovery financial has no right to report same information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
XX/XX/XXXX we completed a Deed in Lieu on a rental property. We had submitted all the required documents and was paid cash for key. We received a document dated XX/XX/XXXX Deficiency Waiver Agreement. When Green Tree transferred to Ditech we started receiving calls that we were late. I was informed that 3 months after we completed the paper work they went to record the deed and the property had been sold in a tax sale. As of XX/XX/XXXX we started receiving notices from XXXX XXXX XXXX XXXX XXXX about foreclosure. I have made every attempt to resolve this with both the Attorney and Mortgage Company with no resolve

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Ditech is refusing to review my modification packet. I summited twice and the first copy never maded they kept advising me to please wait a couple of day more until more documents get uploaded. Therefore I was forced to re-apply once again for a modification review. This is very upsetting because my house sales on XXXX/XXXX/2016. I have tried to work directly with Ditech however I feel they are just prolonging my case so my home can foreclose. I am in desperate need of assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
have spoken with Green Tree Servicing on multiple occasions. They have advised me that I had missed the XX/XX/XXXX payment. I sent them all of our payment records for XX/XX/XXXX reflecting XXXX payments had in fact been made in XX/XX/XXXX. After filing a " Qualified Written Request '' for information, I received a letter stating the payment missing was from XX/XX/XXXX when we were in a chapter XXXX Bankruptcy. The information that was given by phone when I disputed a missed XX/XX/XXXX payment was not explained to be from XX/XX/XXXX. I would have corrected the payment immediately if they would have been honest about what the issue was. I will also be filing a complaint for their collection practices as they have contacted a family member on XXXX occasions. The most recent time was after they had been informed not to contact our son as he does not live with us nor is he a party to the transaction. 


I will make the payment that they state was missing from XX/XX/XXXX. I do n't know what the resolution is for them as they have given me false information regarding the debt over the phone and were very rude when I tried to explain that they payment in question was not missed in XX/XX/XXXX. A fair resolution would be for them to reimburse me for the payment that they state was missed and apply it to my account since they were not honest about what they were trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Our mortgage was transferred from greentree mortgage to ditech. Our mortgage payment is made every month on time thru my bill pay from my bank account. Starting XX/XX/2016 we keep receiving statements showing them not receiving the payments. I have contacted ditech several times trying to straighten this out. I was told the payment was applied to my escrow account and they could not explain why this was happening and assured me this would be corrected and the late fees would be waived because it was not my fault. Every month I contact them several times trying to have this corrected. I am very frustrated and upset with ditech. Can you please help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
My mortgage was sold to Green Tree mortgage which became XXXX ditech. I overpaid my mortgage {$150.00} per month and had a years worth of overpayments in unapplied funds. I called the customer service number and asked this to be transferred to principal or refunded to me. Somehow this triggered me to be in collections ( I never missed a payment, always over paid ). 
This unapplied funds was sent to escrow and none of the XXXX people I spoke to could figure out how to fix this. They had no ide idea how I was in collections while overpaying, I have at this point been calling and calling to have this unapplied funds sent back to me, I am now told it was sent to principle but they are not really sure, I want the money sent back to me as I do not see it anywhere on my account anymore. Customer service has not been taking calls all week and the people who answer the phones are nasty and really incompetent. Please help and warn everyone about this nightmare of a company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I am writing in response to Ditech Financial LLC 's recent initiated foreclosure action against me. 

This is a rather shocking revelation since I am current on all monthly mortgage payments. After conducting an extensive audit of all mortgage payments to Ditech in XXXX, it was revealed that Ditech was overpaid {$2500.00}. Numerous, certified USPS correspondence mail was sent to Ditech detailing the payment history as well as identifying the overpayment. There was no answer by Ditech. On XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX, Ditech was sent Qualified Written Requests in order to conduct an audit of their records. To date, Ditech has not responded, violating their legal obligation under the Real Estate Settlement Procedures Act ( RESPA ). Accordingly, I seek the remedies afforded me under RESPA in the amount of {$2800.00}. 

This is not the only transgression by Ditech. Throughout XXXX & XXXX Ditech has been : Misapplying my mortgage payments to the wrong account. 
Failing to renew my Homeowners Insurance on the property and instead initiating a " forced-place '' policy that only paid the balance on the mortgage and did nothing towards replacement of the dwelling or other personal property destroyed or damaged. Such activity violates state and federal laws, including the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX A recent case against XXXX XXXX XXXX and its mortgage servicing agent, XXXX XXXX XXXX, resulting in a large settlement for the plaintiffs. For reference, this case is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Florida, No XXXX. 
Charging late fees even though I am current on mortgage payments. 
Engaging in coercive collection practices and falsely claiming that certain amounts are due. 
I am in possession of the evidence to prove all of the aforementioned claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
In early 2013, I enrolled in and enlisted mortgage modification assistance from the XXXX Program in XXXX FL. Throughout the process I completed all steps and requirements ; In late 2013 I accepted the modification deal presented to me. At first glance, the offer represented my needs at the time and I was urged by the XXXX XXXX complete the application and accept the terms. However, upon a closer inspection of the documents presented by CitiMortgage they clearly scream 'predatory lending ' complete with ( 1 ) a first and second mortgage, ( 2 ) a final balloon payment and ( 3 ) loan maturity date extended out to year XXXX. I am horrified at the trap I 've fallen into at this stage of life and returning to the XXXX Agency has not provided any relief - just embarrassment and finger pointing t at me that I accepted the deal and that I have to seek relief and guidance elsewhere. 
I am in much dire straits and distress then ever before.

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