vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
During years XX/XX/XXXX through XX/XX/XXXX my husband and I tried to obtain a loan modification through XXXX XXXX XXXX. Our loan was transferred to Green Tree, we were approved for the modification, and faithfully made our payments, but Green Tree dropped the ball by not communicating this info to XXXX XXXX XXXX. Thus XXXX XXXX XXXX filed a foreclosure XX/XX/XXXX, due to non- payment. But the real problem is there was never any communication between Green Tree and XXXX XXXX XXXX. 

After our case went to court the judge stated it was not XXXX XXXX XXXX 's responsibility to know that we were making payments, and that it was our responsibility to relay this info to the bank. However, my husband and I was of the understanding that we were now doing business with Green Tree Servicer, who during their collection of our funds kept transferring our case to a different customer service rep who could never find any records of our payments or phone communications. 

As a veteran this writer should not have to be subjected to this type of treatment after serving her country. I have been devastated by this action, and is hopeful my husband and I can be compensated for the mortgage payments we poured into our home. Since XX/XX/XXXX we have been renting, and our credit is destroyed. Is there anything we can do at this point to recoup some of our losses '? Green Tree Servicer continues to harass us by sending monthly collection letters, even after the property has gone into foreclosure. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Ditech Financial LLC
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX at approximately XXXX XXXX I called Ditech regarding a credit alert I received from XXXX Credit Monitoring, provided through the Fed Govt, regarding a past due payment of 120 days or XXXX or more payments that had posted on XXXX XXXX, XXXX. The XXXX email was sent to me on XXXX XXXX, XXXX. On XXXX/XXXX/XXXX I noticed a credit score on my XXXX XXXX had dropped from XXXX down to about XXXX which was confusing and concerning so I got on my computer to recheck the CSID email that showed the alert from Ditech XXXX 
When I called Ditech I spoke to XXXX and explained that what I had found on XXXX and that I did n't know who or what Ditech was, XXXX informed me they were previously Green Tree. After pulling up account info they had under my name it had reflected a prior loan that I had with them which was sold back in XXXX XXXX which I had done a short sale on. XXXX had never seen this issue before and put me on hold to ask a supervisor about it. When XXXX returned she informed me that Green Tree / Ditech had updated some previous accounts that had been missed in the past and that mine was XXXX of them. She told me that these updates should not reflect a negative impact or score on your credit, at which point I informed her what started my inquiry into all of this was noticing my credit score drop on my XXXX XXXX XXXX then told me that because this was something unusual that she was going to email my information up her chain to a supervisor so they can get it resolved and make sure my credit has not been negatively impacted. I provided XXXX my phone number and she stated that I should be getting a call back within 7 days with everything resolved. I checked back with Ditech 7 days later and was informed that XXXX had sent my case to the wrong department and it was kicked back sitting idle with nothing being done to resolve the issue. The Ditech representative assured me that she would forward it to the correct department for resolution, I am still wating for a response. 
On XXXX/XXXX/XXXX I contacted XXXX and they informed me that Ditech showed me as having XXXX accounts, XXXX of which was closed back in XXXX XXXX with no outstanding balance and the second account showing active with a balance of {$140000.00} and being 180 days late in payment as of XXXX and XXXX of XXXX. XXXX stated that the second account did show the same loan amount as the first account and stated it looked as if Ditech resubmitted the first account again. I submitted a dispute with XXXX XXXX and 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 2015-09-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I already sold my house. Everything was good when we sold the house under short-sell option. The Green Tree Servicing LLC agree to sell the house under that short-sell agreement. Now suddenly they are asking me the money for that house which I already sold 2 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 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: MD

Complaint narrative:
I had a XXXX XXXX loan that went into collections. The account has been transferred several times and each company charges me a default fee. 
The principle balance has been paid but I still owe {$8000.00}. This balance is almost entirely these bogus fees. I complained to the new company that charged me a default fee as soon as they sent me a bill and they stated that my loan docs allow for this fee. The new company did n't even give me the opportunity to make XXXX payment before they charged me for default. I looked at the original documents. They do say that I may be charged a default fee, but not by every company that touches the account. The loan docs do not state how much the default fee is or how frequently it will occur. I do not think this is a fair practice. I should be done with this and instead I am stuck making payments on made up debt.

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 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I hired an attorney to handle settling a mortgage with Green Tree Servicing. The mortgage in question was never recorded, has not created a lien for the property and is an unsecured debt. There is also a recorded XXXX Bank mortgage on the property that is currently in foreclosure. This mortgage secures an outstanding note in the amount of approximately {$190000.00}. Although the XXXX Mortgage secures {$190000.00}, the property is not worth any more than {$120000.00}. I therefore made attempts to settle the Green Tree mortgage. However, not only has Green Tree Servicing denied any and all of my multiple attempts to settle this matter, but they now ignore all communications from my attorney. All I want is to smoothly settle this otherwise worthless mortgage so I can move on with modifying the XXXX mortgage and get on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Please see and read the attachments. These can also be seen in complaint number XXXX. 

I have highlighted the areas for you and Green Tree. 

At the bottom of page XXXX of the attachment to THIS complaint it CLEARLY states to cease ALL TELEPHONE COMMUNICATION ... ... 
Yet they choose to ignore the cease and desist statement. 

They have called on XXXX/XXXX/2015 and again on XXXX/XXXX/2015. 

Also in complaint XXXX Green Tree replied to you as follows : '' Green Tree Servicing , LLC said : Explanation of closure Green Tree is unable to locate an account with the infomration provided. We ask that you provide our office with the following information so that we can respond to your concerns. 
XXXX ) Full Property AddressXXXX ) Full account number '' They received the exact same letter as you, the CFPB did, and yet the letter that came from Green Tree contains:XXXX ) Full Property AddressXXXX ) Full account numberCan they not read their own letter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OK

Complaint narrative:
My husband and I had a property investment loan with Ditech. The loan was refinanced in XXXX 2016 and as soon as it was paid off, Ditech starting reporting the XXXX payment over 30 days late to the credit bureaus. They put the burden on me to send in XXXX of our credit reports and proof of the bank wire that was sent on XXXX XXXX, 2016. About 3 weeks later, they took off that late pay BUT then 14 days later put it back on. I called and they said it was the XXXX payment that was late. I had to send them proof again of my check dated XXXX/XXXX/16 and proof it cleared my bank on XXXX/XXXX/16. Then they determined they did not apply the payment to the loan. I first started contacting Ditech about this XXXX, it is now XXXX and despite hours of research, multiple letters and faxes and at least XXXX calls, they are still reporting inaccurate information to the the credit bureaus and we have no control over this! I have asked for over 2 weeks at least for a letter stating the XXXX report is inaccurate so I can use that to complete other business and XXXX supervisors have told me I would get XXXX that day and it 's been over 2 weeks. Not one supervisor delivered a letter or even called me back. My husband and I are self employed property investors and our credit score is CRUCIAL to our daily business. This inaccurate information has caused our scores to crop XXXX an d XXXX points respectively and we can not get the loans that we need to for other homes until this is resolved. Also, this has caused numerous pulls to our credit to see if it 's fixed, further reducing our credit scores. In the 2 month timeframe during this, we had several property insurance renewals come up and they were increased because they are based on credit scores. We are even receiving notifications of interest increase on credit cards due to the false late report to the credit bureau. This MUST be addressed. This is hurting consumers. I 'm a professional at monitoring my credit etc because of our business and I ca n't get this resolved. I ca n't even imagine a regular consumer dealing with this sort of situation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Dear CFPB, We have had intermittent difficulties paying our mortgage for about 5 years because we have been living on XXXX income and our second mortgage is an ARM that adjusts upward every year. 

We applied for a loan modification with XXXX XXXX XXXX XXXX Greentree in XXXX and again in XXXX. In both years, they had mentioned that we might qualify for a HAMP modification which would help to also modify our second mortgage. In both years they declined us for a HAMP modification saying that our mortgage debt to income ratio needed to be higher than 31 %. Using the numbers we submitted on the loan modification forms, I calculate that our debt to income ratio is 36 % so we should qualify. After the second decline I finally pushed them to explain to me how the ratio would not be greater than 31 % and they said they calculate this based only on the first mortgage payment - they do not include our payment amount for the second mortgage in our monthly mortgage payment. This is inaccurate and deceiving. How can the mortgage company be allowed to calculate our monthly mortgage expense without including both mortgages? And why are they deceiving us by asking us to submit our total expenses and both mortgage amounts when they only plan to use XXXX number in their calculations? Our second mortgage is much higher than our first mortgage so this difference in calculation is huge. We are now facing foreclosure on our second mortgage and they are not able to consider a HAMP modification because our first mortgage did not qualify us for this modification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: American Credit Adjusters
State: IL

Complaint narrative:
I have no idea if this is even legitimate, my bankruptcy attorney told me this could be a scam. American Credit Adjusters keeps calling me saying I owe a debt to XXXX XXXX, and I 've committed check fraud. I do n't have a clue what this is, and if it was legitimately mine, it was in my bankruptcy filing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
my loan is with Green Tree servicing fell behind by a mth on my mortgage they are holding payments in suspense and will not apply them I also made a XXXX XXXX payment a year ago the amount was given to me by my then account manager XXXX was her name I need proof that that was applied also I have asked for a loan modification package that the hope hot line told me to ask for I have left messages with my new account manager XXXX also requesting this modification package and she will not return my calls I pay my loan every mth and have proof of it they are trying to say I owe them over XXXX dollars this is not true as I have proof of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I did refinance my mortgage with Ditech company. My first payment had to start on XXXX/XXXX/16. 
Company had offered free electronic payment on their site. It was very convenient and I did scheduled payment of {$760.00}. XXXX on line by connecting with my XXXX checking account. 
It pass 2 days after my payment scheduling, and I received confirmation from Ditech that my payment went through. When I did check my banking statement I did not see any money were taken from my account. I did make a call to Ditech customer service and addressed the issue. 
Answer was that everything is OK and they have my money. My question was how they do have my money if it is not taken from my account? after time I did another calls, trying to get strait this issue, but it was not successful. ( after 2 months they put that they do reverse my payment of {$770.00} ). I do not understand how they did reverse something, that they never took. 
Still, I knew that have to make a payment for XXXX, and I did it {$800.00} by check, which was paid by XXXX from my checking account. For month XXXX I did the same way another {$800.00}. Money were taken from my account and I have confirmation that checks were deposed by Ditech. 
After that I did XXXX payments directly by my personal checks the same amount for XXXX, and XXXX. ( From Ditech respond was that they have my personal check ). 
One month ago it was on XXXX XXXX, I received a call, and letter from collector that I am late with my payment. My respond was that I am on time with payment. Customer service representative tried to explain me that 2 payment one for XXXX and second for XXXX were returned to my account. I told that it is not true, I do not see any money to be deposed to my account. They ask me to sent all my information from my bank statement which I did. 
I continue to pay my mortgage on time. 2 days before I dd received another letter that I am behind the payment. I do repeat all information, trying to explain what happen, I am tired. 
Look like nobody takes any action to get straight my account, and my payments. 
I am sorry about refinancing with them, I had to go on internet and to read consumers review about the company, ( there are many complaints more than XXXX about the company ) but now is too late. 
I had with them mortgage before refinance, and I did not have any problems. I did refinancing for fixed inters rate.

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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We refinanced our mortgage and home equity loan, leaving Green Tree and going to XXXX and closed on XX/XX/XXXX XXXX Mortgage wanted us to pay our own homeowners insurance and property taxes, NOT have an escrow. We agreed and our insurance company XXXX also agreed; we stared paying directly then. However, Green Tree had over XXXX of our money in escrow and erroneously sent it to XXXX, not to us. On XXXX I talked to a representative at XXXX, made it clear we did not want to pay that on our insurance (which we were already paying monthly to them). XXXX said it is illegal for them to send our money directly to us - they are required to send it back to Green Tree for Green Tree to return to us. XXXX "complicated billing" staff assured me the check would literally be mailed to Green Tree on XX/XX/XXXX. On XXXX I spoke to a representative at Green Tree making it clear that we did not want Green Tree hanging onto our money for a month so they could make interest on it (when this is done with many customers it adds up to a great deal of money).  Green Tree rep assured me that "since the account is closed the check will be forwarded to you" when Green Tree receives it.  Today - XX/XX/XXXX - I called Green Tree and was told that the check mailed on XX/XX/XXXX allegedly was not delivered to Green Tree until XX/XX/XXXX and was logged in as received on XX/XX/XXXX.  Now they are claiming that we will have our money back in XXXX days.  It appears that someone is making interest on our money which they have no right to have at all.  In fact, we are losing interest we could be making on our money if we had it.  I cannot believe this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
1. Green Tree purchased our mortgage from XXXX at the end of a Chapter XXXX bankruptcy. ( XXXX/XXXX/2015 ) Payments to Green Tree began on XXXX/XXXX/2015. 

2. At the end of bankruptcy, we sought to refinance the house to save $ 600+/month in payments. 

3. Green Tree has a " policy '' to " not report for the first 90 days after service transfer. '' As such, payments were made to Green Tree ( for which they have all proof and documentation, but we will also provide canceled check copies ). However, no payments were reported to credit bureaus. This is in a letter we received from Green Tree dated XXXX/XXXX/2015. ( We will also provide a copy of the letter. ) 4. Because of post-XXXX mortgage rules in the Dodd Frank Act, a refinance can not be done unless payment history is unbroken. The 90-day-gap that Green Tree creates in payment history means that their customers can not refinance to another company! As a financial institution, they would know this. This has kept us from re-financing with other lenders. 

5. Therefore, this constitutes a XXXX where a consumer is unable to leave the patronage of Green Tree Servicing LLC ( This is a criminal action! ) due to the Dodd Frank rules. Green Tree purchases a mortgage, creates a gap in credit history, and that renders customers unable to leave their service. 

6. We simply want Green Tree to report payments they received to the credit bureaus. This would allow us to re-finance. Presently, this is costing us an additional $ XXXX. If this continues much longer, we will also be forced to take civil action to recover some of that monthly cash flow. We have XXXX children in college, this year - we need that money, desperately. We ca n't afford to be held hostage to XXXX like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Letter requiring your urgent wisdom and assistance because of the Harassing and Negligent acts ignoring all legal documents of resolve by the Bureau of Consumer Protection by : Di Tech Financial LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Phone XXXX XXXX Fax XXXX XXXX Account # XXXX There was a complaint registered by myself on XXXX XXXX, 2015 about what was then Green Tree Servicing, LLC - BCP XXXX. It stated that Green Tree reneged on a written mortgage agreement of payment. The result was that Green Tree DID NOT solve any of the issues but sold my account to DiTech Financial, LLC dispite the written resolution in the concluding documents of the complaint. I have not missed one payment, continued to pay DiTech, but they have continuously harassed me from the time they received my account with at least 100 calls per month and with each payment that I make I have still been penalized with so many late fees that it adds up to monthly payments. This is occurring even thought I have made over the required payment each month consistently since being pushed into this company. To make matters worst they have just sent me a threatening default notice without applying any of the over payment monies to the account. 
1. They have refused to follow the resolution of the case documented. 
2. They are still demanding another months payment or else. 
3. They are ignoring the over payment in my account 4. Keep charging me late payment on payments received as promised ( end of month ). 
5. Collecting these late charges until they become as big as monthly payments. 
6. Using the charges to push me into negative status and harassing default notice. 
I have followed all documents to the letter and number and Di Tech Financial, LLC as well as Green Tree Servicing, LLC before them have continuously ignored all the legal documents and aggressively done what they wanted, as they are now trying to force me to foreclose on my house. 
I seek your wisdom on this immediate matter as they, Di Tech Financial, LLC, is giving me 30 days in their latest harassing default letter to respond with a payment that is in error ( especially since on the day that their letter was created I MADE A DOCUMENTED OVER THE REQUIRED MONTHLY CONSISTENT PAYMENT. ) Eagerly waiting your response, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

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