vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX left our home flooded in 6 feets of water for 6 days, whereas 2 feets to XXXX inches came into the house. It cost over 50 % to restore our home. XXXX, refinanced our home so we could pay the contractors. XXXX financing raised our intrest rate 11.9 % on the 1st mortgage and 16 % on the 2nd mortgage. They promised our intrest raters would come back down after 12 months. We never received the promisary letter nor have the intrest rate come down. we have been paying XXXX and XXXX since XXXX XXXX. Our mortgage was sold to GreenTree Mortgage Services and now XX/XX/XXXX Green Tree - Ditecgh a Water company XXXX XXXX XXXX XXXX XXXX, SD XXXX. I have tried every avenue and path to get help with this matter. Our credit at that time was good and we feel that we was taken advantage of during a time of dress. We have a bloom blance coming due XXXX. 
XXXX XXXX XXXX XXXX, XXXX, NC 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 2016-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I have a mortgage with Ditech Financial. On XXXX XXXX, I had damage to my home, causing an insurance claim. The claim was covered and the insurance started sending me checks right away. My mortgage company insisted on managing the funds and dispensing them as they were needed. I understood that and had no issues with that so I sent the funds to them. They sent me a check for the first {$10000.00} but no one told me it was coming so I was pleasantly surprised. Unfortunately, no one also told me that they were awaiting a series of forms from me ( that they also had not sent ). I called to make sure they had gotten what I had sent over already and asked them if anything else was needed. This was probably about XX/XX/XXXX. They said they were still waiting on some other forms and could n't release any other funds until that was received. I asked them to send me the forms that they needed filled out and I 'd get them finished. I received the forms about a week later and had them finished and sent a few days later. The company received them on XX/XX/XXXX. The company policy states that they take 7-10 business days to process the mail. That means I have to wait until XXXX for them to even read my forms that I sent. The biggest concern is that my contractor is at a total standstill and ca n't perform any more repairs until more funds come in. In addition to that, the insurance stops paying for the hotel tomorrow and I still have no kitchen. I called today and asked if anything could be done and the girl on the phone said that is policy and I have to deal with it. Unfortunately, apologies and policies are not legal tender at the hardware store so I 'm still without a kitchen and Ditech does n't give XXXX about it. I asked to speak with a supervisor and the girl on the phone said no supervisors were available and said I could leave a message to be returned in 72 hours. I told her that was not an option so she transferred me anyway. That 's more just general nonsense, but the main concern is that this company has {$30000.00} that belongs to my contractor and myself that they refuse to dispense because THEY did not advise me that they needed something. Long story short, they failed, I suffer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
My mortgage was sold to Green Tree Services LLC/now Ditech in 2014. Since then my monthly mortgage payments that I make on a timely basis have not been applied correctly, they have been misappropriated into a " Funds In Suspense Balance account ''. Because the funds are not applied correctly, I receive multiple harassing phone calls from Ditech on a daily basis to bring my account current. When I speak to the representatives that call me, they scream, holler and belittle me. When I try to contact someone at Ditech ( each week they give you a new account manager and they have no idea who you talked to previously or what the problem is with your account so you have to start all over again and explain to them what the problem is ), you are put on hold for long periods of time, directed to someone 's voicemail who has no idea what is going on with your account, and disconnected. My account is current and paid up to date yet notices have been put on the door of my property from a company called XXXX XXXX XXXX XXXX that is contracted out by Ditech to check on " their property '' to make sure it is being maintained. No legitimate mortgage company takes these kind of actions to ensure that they get their monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
My mortgage has been transferred to GreenTree Mortgage dba XXXX. I have requested a modification due to my current health issues. While in the process of requesting a modification, I also requested several legal documents from them such as my Mortgage Note, and copy of my security deed, and past 3 yrs mortgage history. I requested these documents 30-45 days ago, but never received any of them. The payoff balanced that was quoted to me was {$42000.00} more than what I originally started with the mortgage. I did not understand how the principle balance increased so high. In addition, I asked the name of my current investors or who really owns my mortgage, but was given vague and erroneous information. There are so many discrepancies with my loan. My original loan was with XXXX and then transferred to at least XXXX different servicing companys. Please help me, I do not want to lose my home, or taken advantage of. I am XXXX years old and very afraid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Bureau of San Luis Obispo & Santa Barbara Counties
State: CA

Complaint narrative:
Credit Bureau of Santa Maria is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
My HAMP mortgage was taken over by Ditech Financial from XXXX XXXX XXXX a few years ago. My modified loan had a pay for performance clause where I was receiving $ XXXX off of my principle balance each year for up to five years if my payments were on time. I had a total of $ XXXX taken off of my loan balance. Ditech Financial recently sent me a letter saying that after a review they determined I was ineligible for the program as of XXXX of 2012 due to late payments or a refinance which takes you out of the program. They added $ XXXX back to my balance and offered no supporting documentation stating how they arrived at this conclusion. I checked my bank statement from XXXX of 2012 and sure enough my mortgage was paid on time. I never refinanced which was the other way to be removed from the HAMP program besides late payments. I have written and called Ditech to complain about this and everything falls on deaf ears. They basically stole {$5000.00} from me and I do n't know what to do???

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Ditech mortgage company lost a wire transfer that was suppose to pay off my mortgage loan. The wire was sent on XXXX XXXX and it cleared on the XXXX of XXXX, however Ditech has no record of the payoff or wire transfer. Multiple times, Ditech has been contacted by both myself and the escrow closer but they were less than helpful and no one knew anything. They have no record of previous phone calls or conversations. They were suppose to investigate this matter almost a month ago but has done nothing. When I received a mortgage bill, I contacted escrow and my realtor right away. I am still getting mortgage statements when I have sold the property almost 2 months ago. Ditech needs to find the missing wire transfer and payoff my account. They lie to me on the phone multiple times and I feel they are theives.

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 2016-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Debt Recovery Solution has reported to the CRAs that I owe them {$8600.00}. They stated that the account was opened on XXXX 2015 and that the account had the first major delinquency on XXXX 2015. 

I find out about it when I check my credit report. Since I do not recognize the company or the debt, I called them to obtain information. They told me the debt was mine from an old credit card that I had at some point of my live and that I had stopped making payments several years ago. 

I requested the validation documents, but I never got them. 

Assuming they are right and the debt is actually mine. Since they claim this is an old debt, then the open date can not be XXXX 2015, and the major delinquency date can not be XXXX 2015 and the date of last activity can not be left blank. 

Therefore, Debt Recovery Solutions has parked this account on my credit report, violation of the FCRA. I must be notified they are trying to collect a debt and that they will report to the CRAs. 
The collector has re-age the account, another violation of the FCRA, the collector falsely reported the dates. Finally, up to date the collector has not validated the debt, 3rd violation. 

I filed a dispute with the CRAs. The CRAs did not remove the account because the collector claims the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
ditech mortgage through erroneous handling of payments I made on my mortgage is claiming that I owe a larger principal balance than is accurate. 

I have spoken with them multiple times, and provided supporting documentation, but they have failed to contact me in return once all information was provided to them - they fail to contact me to resolve the 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 2015-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
GreenTree has a cease notice on file. This as the result of a previous complaint with the CFPB in addition to documented fax over a year ago. I am attaching a copy of a call log from my office. Please be advised that these calls are to my office line. When I asked XXXX to remove the number as we have a cease on the account she declined. Simply stating that she has to have a number on it. Our mortgage is not even 30 days late and I received a call daily along with a message on my main office line for employees to hear. XXXX filed a cease notice and we should not be getting any phone callsCalling my office- main number and leaving voicemail messages.. when there is a cease on the account is unacceptable. What is even more offensive is the fact that there was a voicemail messages for my employees to hear. I saved the voicemail message. Please be advised proof of the calls is attached to this document. The calls from XXXX are from Green Tree.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Greetree ( changed name to Ditech servicing ) calls me all hours of the night. A representative name XXXX calls me. I told them that the only number the are allowed to contact me on is XXXX. My mother has said they also call on their number which is a separate line from my own line. Even after telling them this for months and years they still abuse this. As I have said before that the only line that I can be reach is on XXXX. I work from home and that is the only number that they can contact me regarding any information about the mortgage. I do n't know how clear I can be on discussing this with them regarding XXXX constant harassment. I am also considering legal action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
We lost a house in XX/XX/XXXX. We had a HELOC on it. The HELOC sold the debt to Green Tree Servicing recently and Green Tree has parked the old debt on our credit report stating the date of last activity was in XXXX. We have not made any sort of payment on this debt since early XX/XX/XXXX when we started to loose the house and were negotiating with the XXXX lien holder to try to modify our home. I 've disputed the debt with Green Tree. The statute of limitations on this debt was 4 years and the 4 years passed in XX/XX/XXXX. We were never sued for this debt and no judgements have been issued. We have not made any payments on this debt since XX/XX/XXXX. Our true date of last activity was sometime in XXXX or XX/XX/XXXX. This is more than 7 years old and should no longer be shown on our credit report. The foreclosure from the XXXX lien holder is no longer showing on our report. Green Tree is trying to Bully us into paying an old debt by reporting to the credit agencies that it is more recent than it actually is. I have disputed it with Green Tree and they just sent us paperwork from the original HELOC and the date the HELOC was charged off by the original creditor. Green Tree shows copies of letters sent, however, we never received them. If we did, we assumed they were credit offers and shredded without opening them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Per the agreement reached between GreenTree Servicing and me, the escrow account was to be removed from my account once the escrow balance was brought to a {$0.00} balance. As of XXXX XXXX, 2015, the escrow should have been a {$0.00} balance as I made a payment of {$130.00} to the escrow account and {$400.00} to my principal/interest ( my normal mortgage payment pre-escrow ). I included a signed letter with the payment breakdown and requesting a phone call if there were any issues. I followed up with a phone call to ensure that my instructions were followed through. This was not the case. This is an arrangement that was entered into after my last complaint against GreenTree Servicing. My account has since been transferred to Ditech Servicing due to a merger.

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 2016-08-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX I placed an order with XXXX ( Order # XXXX XXXX for {$210.00}. 
Unfortunately, the item was received damaged and XXXX issued a return. They claim to initiated a refund on XX/XX/XXXX to my original source of payment, which was my debit card issued by Chase. 

On XXXX XXXX I decided to end my business with Chase for various reasons, I did n't like some interactions I had with them of recent, and I did n't feel comfortable with them handling my money. 
So since the refund was issued after the account was closed, Chase claims that they would not be able to locate the refund and issue a credit. XXXX claims that Chase would be able to do that. 

After making several phone calls to both companies, both reps and supervisors on both ends kept point fingers at who would be responsible for issuing me a check refund. I even had supervisors from both companies conference in two times and they could n't agree on how the refund will be issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Our mortgage was transferred from XXXX XXXX XXXX. We had my husband had been approved for a National Unemployment forbarence program EFF XX/XX/XXXX thru XX/XX/XXXX. When our mortgage was transferred to Greentree, we called in XXXX to be sure that they had the approval for the program and that the XXXX months of payments would be added to the back end of our loan as promised. Just to be sure, and after speaking with " XXXX '' our new account manager, we faxed the approval to her and then followed up to be sure that they had it. We made a multitude of calls between XX/XX/XXXX, and XX/XX/XXXX, and we have received no amount that we can pay going forward on XX/XX/XXXX ; as XXXX XXXX XXXX told XXXX. We were willing to catch up on our XX/XX/XXXX thru XX/XX/XXXX payments, but XXXX told Us thaf our account was in foreclosure review with an attorney! We told her that they could not do that, because the XXXX month foebarence is a National Unemployment program approved by President Obama. She really became rude with us and just pretty much said that is the way it was. When I asked for someone above her, I was referred to someone who identified himself as a supervisor ; his name only given as " XXXX ''. When I spoke to him on or about XX/XX/XXXX, I had to repeat the entire story. He told me that he would see if he could get all of the late fees and legal fees removed. When I spoke to him again on XXXX XXXX, he said that they would not waive the fees and then proceeded to tell me that my husband 's foebarence was dated XX/XX/XXXX thru XX/XX/XXXX ; which I told him was absolutely not true! He was also argumentative and said that he did n't know what I was looking at and that he would need a faxx. I called immediately to a young man named XXXX at XXXX XXXX XXXX, and not only did he read me the letter confirming the XX/XX/XXXX thru XX/XX/XXXX dates, but he also faxed it to " XXXX '', at Greentree Servicing. We left another message on " XXXX '', voicemail, because XXXX would not give me a direct phone number. To date, we have still heard nothing!!! We are begging to start paying our mortgage, and in face have already paid off our {$29000.00} mortgage with their same company!!!! In good faith, we have offered multiple times to pay the XX/XX/XXXX thru XX/XX/XXXX, as well as the XX/XX/XXXX, and begin paying every month, thereafter. However, they tell us NOT to pay until they have had a chance to review. We are more than concerned that this is going on and on and therefore our mortgage gets further behind!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I am enrolled XXXX in college I filed for a XXXX student deferment. When enrolled in classes the ECMC place my loan in default. They now have harass letters and refuse remove loan default status. The ECMC verified I am enrolled XXXX and still harassing 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 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
The home was in the mothers name who purchased the home for her daughter. The daughter has lived there 20 plus years. Her father passed away first and then her mother passed away. The home was willed to the daughter ; however, the daughter went into a XXXX. Long story short she has recovered and regained employment and is well able to afford the mortgage. The loan is in the mothers name only and for almost a year the daughter tried to get them to acknowledge her and deal with her in regards to the mortgage. She finally got help through a non-profit and was in the middle of assuming the loan. We began the process on XXXX XXXX, they asked for credit authorization on XXXX XXXX, which was uploaded through XXXX on XXXX XXXX. It went back under active review on XXXX XXXX and today, XXXX XXXX the file is still under review ; however, they proceeded to foreclosing on the home today.

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