vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
My XX/XX/XXXX payment was sent to Dietech on XX/XX/2016.One phone XXXX. I have spoken with as follows : Customer service-XXXX dont know her extension, XXXX ext. XXXX, and then to Manager XXXX-ext. XXXX. I was told by XXXX, they could see my payment, posted to what she called a ghost account. and ask me to fax proof that it was my money ( {$1000.00} ), so I faxed XXXX copies of bank my statement as this was an electronic payment form my bank, also called to confirm with bank payment was sent, I was told by my bank ( XXXX ), Dietech did receive monies. Talked with XXXX several time and she was suppose to send request to correct dept. to remove monies from wrong account and debit to my account, not done. Next Im talking to collections as Follows : XXXX-ext. XXXX, request he said was sent was to call back and, I talked XX/XX/2016 with XXXX-ext. XXXX. XXXX rechecked to see if request was sent and said it was, to call back. On XX/XX/2016 XXXX also said it was a posting error, not my fault, and there would be no late fees, or credit problems. In the mean time, I receive a package from Dietect telling me how to not be foreclosed on by Dietech. More upsetting. Called XXXX back on XX/XX/2016, still posting error not corrected, XXXX ext. XXXX says the computer system had been changed she was sure that was why my payment of {$1000.00} was posted to the wrong account. I ask for XXXX Manager, XXXX XXXX XXXX, He says the reallocations take care of this, His department has done what they should by sending the request to correct error, showing where money was and where it should be. XXXX XXXX XXXX said he would resend request and try again. I ask for number of they ( reallocations ), Dept suppose to correct error. XXXX XXXX XXXX - ext. XXXX said he did not know number. XXXX XXXX XXXX said I could call every 20 minutes of every day and that would not make a difference in getting the error corrected. Im angry, Frustrated, have spent hours upon hours trying to get error corrected, Im the only one who seems to care. Late fees were removed but still no posting of my XX/XX/XXXX Payment {$1000.00}. I spoke with XXXX - ext. XXXX, today XX/XX/XXXX, error still not corrected. She now says i should call back tomorrow, again. I dont know what else to do. Can someone check into this. I have also seen other complaints regarding similiar circumstances with Dietech. My Dietech account # XXXX, billing address XXXX XXXX XXXX, XXXX, Tn XXXX : Property address XXXX XXXX XXXX. XXXX, Tn XXXX

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 2015-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: WY

Complaint narrative:
Greentree keeps calling my personal and work number about 10 time a day, use abused threats. Saying their will come an take the house and have me in trouble. They also want to talk to my boss.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Recently my mortgage was aquired from XXXX to Greentree and now Ditech. Ditech has sent me an Annual Escrow Account Disclosure Statement informing me of my mortgage payment of {$560.00} was changing to {$680.00} for projected 2016 property tax increase and hazard insurance increase. My hazard insurance has been changed to XXXX going down {$200.00} which Ditech has recognized. So, what they are saying is my property tax is estimated to go up {$1400.00} for 2016! I do n't think so. Also, I was under a mortgage motification program for the mortgage with CitiMortgage. I have talked with Ditech trying to understand why so much but the service representatives I have spoken to have been very short and condescending to me and I get frustrated and hang up.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
My Mortgage loan is currently held by Ditech, and Ditech has a glitch on their customer web portal, reporting wrong/erratic payment figures ( one month is shows {$780.00}, next month it shows I paid {$810.00}, next month it shows {$1500.00} ) See attached account page screen shot with figures circled in red. 
I called Ditech severally, sent several emails but Ditech never responded. I went ahead and paid the last figure ( see attached screen shot ) they were asking on the web portal and to my shock a week afterwards, Ditech puts a derogatory report on my credit stating I missed a mortgage payment ( yet no late fees levied by Ditech -- web portal stills ays i 'm in good standing the whole time ). Several calls and emails from me following the credit report has still gone unsanswered this past 3 weeks. Somebody help before Ditech ruins me!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: A & E Futures LLC
State: NC

Complaint narrative:
Additionally, believe it to be a scam and not a real debt. Called me on XX/XX/2017 & left a voice mail at XXXX. Stated it was a XXXX XXXX, a licensed courier for XXXX XXXX re : a court order for XXXX XXXX, last XXXX of the social security # ending in XXXX. Now holding documentation that clearly states to dispatch to residence or place of employment to service you paperwork. However I can grant you the next 48 hours to contact the filing party to obtain your voluntary statement of consent as well as the opportunity to place the stop order on my services. The telephone # to the company is XXXX. XXXX, when calling reference your pending docket # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
We have a complaint against Green Tree Mortgage Co. ( now Ditech ) We should not have been charged {$18.00} per day interest from XX/XX/XXXX to XX/XX/XXXX while the title company and Green Tree were trying to figure out who was responsible for the delay in actual pay off date. We should not be held accountable for that mis-communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Ditech Financial has misapplied payments we have made. The assigned representative will not return repeated phone calls. They are now showing us like 4 months past due and I do not find that to be true due to the fact we have made payments, they have just applied them incorrectly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
XXXX, formerly XXXX is refusing to provide a statement on a monthly basis that gives me the break down of my loan payment. I do n't have any way of knowing if extra fees are added, what amount was paid out of my escrows, and the amount that is principle and interest. I have written them a letter asking them to send it to me and they have sent me a letter back that said if I do n't reaffirm the loan they will not give that information to me. The loan has never been late, and I have indicated to them that I intend to pay the loan until it is paid off. I do n't know if they are overcharging me or not. They refuse to give me this information. I do n't even know how much I still owe. They wo n't tell me that either. I am having difficulty filing my Income Taxes because the information is not given to me. They will not tell me how much is in my escrow account and when the payments are made out of it. I do n't know how much they are paying for the insurance, and they said my taxes went up but they went down. They said the escrow payments are making my loan payment go up. I do n't know how much or what for because they refuse to give me that information. I feel like my rights are being violated and there is a potential for fraud on their part since I am in the dark. They wo n't even put my name on the statement but I am on the loan. My sister XXXX XXXX is also on the loan and she did not file bankruptcy and they will not provide the statement to her either. She is still fully responsible for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Although I received a letter from Green Tree ( see attached ) saying that all calls on this account have been stopped, I received a call at my work on XXXX/XXXX/15 at XXXX. This is unacceptable.

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 2016-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I have sent an inquiry to DiTech Financial LLC regarding a pending payment from escrow for hazard insurance. I am doing so because servicing was transferred from XXXX XXXX XXXX to DiTech effective XXXX XXXX, 2016, and I want to make sure that recent on-boarding will not impede timely payment. In the past, I have had problems with servicing transfers and timely escrow payments. Letter to DiTech is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
DITECH is offering a misleading refinance proposal. They are offering to convert the 18 years and 11 months left on my current mortgage to a 30 year fixed at a slightly higher interest rate. They claim {$19000.00} in savings over 10 years but will actually increase total costs by {$66000.00}. I believe they are hoping consumers wo n't actually do the math!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
DiTech Financial is claiming that we 've missed XXXX payments and are proceeding with foreclosure as of XXXX ... .we have NEVER missed a payment. We have talked to them, went through all our payment history, continue to make payments, we are a nervous wreck and do n't know what to do ... we have all the documentation and proof of payment ...

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 2016-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
This Complaint is regarding the United State District Court Judge XXXX XXXX XXXX. On XX/XX/2015 the above Judge ordered saying that the Defendant [ Green Tree Servicing / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX [ Attorney General office of the State of Mississippi ] has attempted to resolve this dispute without court action the Attorney General XXXX XXXX never tried to resolve this, never tried to show good cause and has been illegal day XXXX. It has been [ NO ] federal court cases regarding this illegal Corp. in the State of Mississippi. Now we have an illegal Federal Judge XXXX forgetting the People that was hurt by this corp .My address [ was and is ] XXXX XXXX XXXX XXXX , Mississippi .This corp. and its illegal Lawyers deals in the Mississippi Courts illegally, Sends illegal papers of foreclose of properties all day long, Never have an Judges order never. But that illegally transfers Deeds from State to State wrongfully and Federal Judge XXXX XXXX XXXX ca n't read that! NOT even the illegal Federal Lawyers can, t read this [ WHY? Who Got Paid Off? ] This federal case cost the people XXXX dollars for what?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: ID

Complaint narrative:
I was denied fair access to credit. I applied to refinance my mortgage. I was attempting to finance my home at a lower interest rate. Green Tree declined my application. The reason for the declination a was 1 ) unable to verify employment and 2 ) insufficient data to determine manual harp eligibility. It is interesting to note that I provided current paystubs and XXXX forms from my employer of 20 years. Access tax returns were also provided. It is curious to note that when I applied to refinance my home with XXXX XXXX XXXX, my employment was verified and I was found eligible to participate in the HARP program. I believe that Green Tree has systematically denied mortgage refinance applications to prevent borrowers from refinancing to lower rates. Please see attached documentation showing the information that I provided to Green Tree and the rejection that I received from them following the application.

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

Complaint narrative:
Long story short : I have had payments rejected by Ditech for three months now due to their error. I have called each month to correct the situation only to have another argument about the payments not getting applied as scheduled. Late fees assessed when they state they will waive them only to have them tell me, " I have no record of that conversation ''. ( This conversation took place in XXXX 2016 ). It has been three months now that late fees assessed and scheduled payments not applied as they were confirmed to be due to an error made in XXXX 2016 by Ditech. I now have to write a written letter with documentation of the problems for the last three months to XXXXXXXXXXXX. I guess they have no phone number or address, at least that is what I am being told.. I am unable to speak to a manager and when given his name and extension, only to be able to leave a message on voicemail, with no return phone. I also need to call the credit bureaus if and when this issue gets resolved to clear my name on any late payments reported to them because of this. This is a nightmare dealing with Ditech. My account online is locked and I am afraid to schedule autopay until this mess is cleared up for fear my payments will continue to reject. Documentation can be submitted if requested. All calls have been recorded each month according to Ditech.

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 2017-01-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
I called the gas company to shut off service at the curb as I had explained that we had already moved & nobody would be there to let them in. They said that would n't be a problem. After receiving this bill, I was told that while there to shut the gas off, a male came to the door & told them not to shut it off, & for some reason, they listened & kept the gas on in MY name. I was never even contacted with any questions or concerns about this matter, they just stuck me with the bill. There is no reason that I should be held financially responsible for a squatter, in an abandoned house, because of the XXXX XXXX Co workers complete negligence, yet when I spoke with a representative, they told me that I am responsible for it. Absolutely not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech has served me with a summons for foreclosure on XX/XX/2016. I am fully aware that the Consumer Finance Protection Bureau requires 30 days notice before this is served. The notice should include that this is a possibility and give me options to prevent it. I have diligently read and kept every letter, and there is no notice. I have personally witnessed this happen, and then at trial, the Plaintiff/Bank miraculously has a letter dated at least 30 days before the summons was served. I am quite concerned that the same will occur in this instance. This has to stop somewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I am trying to short sale my home. The XXXX lien holder has been on task with getting the short sale paperwork processed in a timely manner.The XXXX lien holder is not cooperating with me at all. I have submitted over XXXX documents to the XXXX lien holder and my account is not in short sale status yet. I get hung up on often, I get transferred continually and never have been given the liberty to speak with a manager that I have requested to speak with on several occasions. I have written a letter with all the details. I am now receiving collections calls from the second lien holder and being told that as far as they know I am not in short sale status. I was assigned to a short sale representative and he closed my file for no apparent reason. After the last disconnected telephone call on XX/XX/2016 with a representative, I felt compelled to get some federal assistance since I am being denied a federal program assistance ( HAAP ). You will find FAX LOG sheet that verify I have the documents requested was in fact received by the second lien holder on XXXX XXXX and XXXX XXXX 2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Due to my financial hardship I was behind on my first and second mortgage payments. After some time, Green Tree, the servicer of my second mortgage got a judgement against me for the amount owed on the second mortgage in XX/XX/XXXX. They approached my employer and began wage garnishment in XX/XX/XXXX even though the house was still undergoing foreclosure review by the first mortgage company. The foreclosure sale of the property eventually took place on XX/XX/XXXX, two months after the wage garnishment had started.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have reported many past issues with greentree and have lost alot of money and had them attempt to foreclose on my home several times illegally. I need them now to clear my court and credit reports since it now looks like i had a foreclosure when im in the home. I need to see if all the past issues i reported qualifies me to be a part of the settlement with green tree as well. they have added XXXX in fees on my account through all of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
AWFUL, INCOMPETENT, FRAUD, CHEATERS, OUTLAWS, etc. There are constant charges, escrow charges are doubled. Ditech claimed they had not received the information on homeowners insurance, but in reality had been sent several times. Of course you know about the late billing. It should not be assumed that everyone has access to a computer. No one will explain or discuss the problems with you. This proces with DITECH is a nightmare. It is unreal that type operation is allowed and go unpunished. Everyone does not have funds for lawsuits. But maybe we would if everyone just stop paying them. Oh, but that seem to be their motive - to make your mortgage payment unmanagable, so they can take your home. THEY MUST BE STOPPED!!!! NOW!!!!!

Company response to consumer: Closed with explanation