vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I filed bankruptcy in XX/XX/XXXX with the offices of XXXX. Greentree at the time was my mortgage company. They were charging me more and more money every month then tried to foreclose on my home that i purchased in XXXX. I was harassed constantly prior to filing bankruptcy. They sent police officers to my house more than once and even called my neighbor across the street to look for me to let them know they were trying to reach me because i was behind a payment. Now they have merged with Ditech who my mortgage has been turned over to and i had damage done to my home in XXXX from a hurricane. XXXX ( my insurance company ) has come out to my home and wrote me a check for {$5500.00} to fix the damages. It was written out to me and Ditech and i sent them the check on XX/XX/XXXX certified with a XXXX form from the man that will be doing some of the work that was needed to be done immediatedly and i still have not received a dime from them. I have just about had it with both of these companies abusing me. Please help me in anyway you can. I have contacted XXXX office and they have stated there is nothing they can do to help. I have contact the FTC and my next step is the XXXX. As of now my home has damaged skirting underneath and over the week my water pipes were frozen for 3 hours. There are 10 other mobile homes on my block that share the same well and if my pipes burst none of them will have water. Again, thank you for your time. 

Sincerely, 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 2016-09-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
In XXXX 2016 I cancelled my Hazard Insurance with XXXX XXXX and placed it with XXXX XXXX. I received a refund check from XXXX of {$1300.00}, I wrote a check to Ditech on XXXX16 and it cleared my bank. On XXXX16 I received an Escrow Statement stating that my amount was going to inc- rease from {$190.00} to {$380.00} ( wow! ) I called XXXX on XXXX and again on XXXX and again on XXXX/XXXX/16 to tell them that I has canceled the old insurance and ( which they paid ) and had replaced it with new insurance ( Which they paid as well ) and that I had sent them a refund check which was not reflected on my Escrow Statement to this date the {$1300.00} is not reflected on my Escrow Statement. Ia have talked with the Insurance Dept, an the Escrow Department and ca n't seem to get this cleared up. In the mean time my payment has gone from {$440.00} a month to {$630.00} a month. I have a XXXX mortg. 
I live on Social Security and this seem a little much.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I called my mortgage compay to get assisstance on lowering my monthly payments and get back current with my mortgage. 
XXXX with XXXX quoted me and told me that I would be approved for a XXXX year fixed rate of XXXX % for an appraised home value of {$150000.00}. He told me that I owed {$120000.00} on my cuurent loan. He later stated that I would be XXXX a check for {$110000.00} and my new monthly payments will be {$560.00} P & I with $ XXXX for a montly payment of {$920.00}. 
As he was getting ready to finalize the deal XXXX asked my race. After I told him my race he told me that his boss would never allow him to approve my refinance. He then rushed me off the phone by saying he could not help me. 

I feel this was racially motivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC
State: PA

Complaint narrative:
In XXXX and XXXX 2015, Green Tree Loan Servicing ( now XXXX ) took fees from my bank account without my authorization. My practice with Green Tree is to call and set up an electronic funds transfer payment from my checking account at the end of the month. The fee for doing this is {$12.00}, which the customer service representative told me in XXXX and XXXX would be waived. I authorized Green Tree to withdraw only the payment amount from my account. I did not authorize the taking of the fees. To compound the issue, at least XXXX customer service representatives from Green Tree have told me that they would see to it that the money taken in XXXX -- without authorization -- would be refunded into my account. This has not happened even though the representatives have taken my bank account information. Is it legal for them to take my account information and to do nothing with it? I know that wrangling over XXXX {$12.00} fees may seem silly, but to me the lying and the taking of unauthorized money are practices that should be stopped. Plus, because of health issues, I have not worked -- except for a bit of freelance work -- full time for nearly fourteen months. Green Tree is aware of my financial situation ; I explain it every month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
Dear Sirs, I have been a patient of the XXXX XXXX, and i have found them to be engaged in an ongoing pattern of misleading and deceptive business practices. Prior to each and every medical procedure, I asked the medical secretary as to whether there was any copay/deductible for that procedure. The answer was the same every time .... '' nothing. Upon exiting the medical office I did not receive a statement as to what the medical insurance would be billed. I then received a bill from the billing department for {$3800.00}!!!! Eventually this was turned over to a collection agency with threats of legal action!!! This is inherently unfair and deceptive, for which the XXXX XXXX should be sanctioned, fined and reprimanded. There was, and still is NO XXXX XXXX XXXX in the patient protocol at the XXXX XXXX!!! ... ..I believe it is a basic right of any patient to know what a procedure is going to cost ... before the procedure is DONE!!!! Furthermore the XXXX XXXX could probably give an approximate guess as to medical coverage. Sincerely, XXXX XXXX XXXX e-mail : XXXXXXXXXXXX

Company response to consumer: Closed
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I have worked for the same employer and have recently become XXXX and I am collecting Social Security XXXX. I have been denied loan modification on 5 occasions since XXXX 2015. The 1st because I was current with my payments and was told I needed to be 3 months behind to qualify. 2nd, after falling behind 3 months denied due to NOT being current. The 3rd denial was due to " not making trial payments on a internal modification offer. '' The modification offer was on the last XXXX pages of a booklet which instructed me to fill out firms which were already received by the mortgage company. There was no reference to any modification being included in the packet. I did not thoroughly read through the entire packet and resent the forms that I previously sent, which were the same forms the packet requested. After sending the firms, again, I followed up, and to my surprise, was told about the " modification offer ''. I went through the packet and found it on the last XXXX pages. The offer was the same interest rate and the mortgage being extended to 40 years. Although I was in financial difficulty, the offer would have saved a minimal amount of money and I felt it would only hurt my situation in the long run, knowing my XXXX. I called to discuss with my assigned rep. ( Whose name I have ), and was told I did have to accept the modification offer and by not accepting, it would allow my loan to be reviewed again for other, more helpful, modification offers. Within a week, I received a notice that I was denied for " not making the trial modification payments. '' After the 3rd denial, each time I was asked for the same documents multiple times. Each time I sent documents, through email, fax, and USPS. I have proof that all documents were received, including a documents from my account page on the mortgage company website, that states all forms required were received and the modification was being reviewed. 
I knew I was being pushed aside by the mortgage company, that for some reason was working very hard to not help me with the modification but I thought at some point they would have to make me a offer if I hung in there and kept giving them what they were asking for. After the 5th denial in 1 year and do n't know where to turn. I have a wife and XXXX children and have drained my savings and feel my hands are tied. I have always worked and provided for my family. I feel the modification were being encouraged for people in my situation, if not who would they possibly be for. 
I would greatly appreciate any help you can offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AUTOMOTIVE CREDIT CORPORATION
State: VA

Complaint narrative:
I have been contacted by this company multiple times. The company they are trying to sue for is not on my credit files and i never owned a vehicle with the company in question. i went and submitted information to get a car years ago and never got that car from the company ( ended up getting a car from a family member ). it states i owe for the car but i do not owe. i disputed on my credit ( XXXX bureaus ) and which it was removed from all and would like this to be removed as they placed a public record on my account for a debt i do not owe. they also never let me know of the judgement as i looked up the paperwork and was sent to an address i have not lived at in 8 years. I live in XXXX, VA not XXXX, VA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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 have no knowledge of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Payments are held and/or destroyed by automated processing equipment. My payments are " made months ahead of time '', " I am not behind ''. I made XXXX payments in XXXX for XXXX, XXXX, XXXX. & XXXX, XXXX payments were processed, XXXX was lost. All XXXX payments were in the same envelope. Last week XXXX XXXX I made XXXX payment again. Mailed first class to local XXXX address. M.O. for {$1000.00} & Personal Check for {$280.00} total equaled my required monthly payment of {$1200.00}. Ditech does not show receiving this payment. 
Back in XXXX XXXX Ditech held my payment until a late charge was due. In XXXX XXXX Ditech refused to credit my XXXX XXXX payment because XXXX late charge was due. Instead of crediting my payment Ditech put the payment in unapplied funds. They said they did that and would not apply the payment until the late charge was paid. My Deed of Trust says all payments shall be applied as follows : Late charges are last in line. The Deed of Trust does not give Ditech authority to not apply payments if a late charge is due. This company is not applying payments on a timely manor and is creating late charges by holding checks and the automated equipment is not working properly and is destroying checks.

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 2016-04-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
My original loan was sold to a new company who doubled my interest rate which in turn doubled my monthly payment to an amount I can no longer afford.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
My mortgage was transfer to Green Tree Servicing LLC in 2013. I have applied for a modification and also to do a short sale with Green Tree. Green Tree has denied me both options. I have asked Green Tree To validate the debt and they refuse. Green Tree has foreclosed on my house when their statements clearly says that they are a debt collecting agency. A debt collection can not foreclose on a property that is not theirs! BEFORE Green Tree foreclosed on me, I sent them a payment for {$80000.00} ( via USPS via Register Mail ) and they returned it back to me and proceeded with the foreclosure! I am ready to sue and take legal action! How can I get involved with the class suit against Green Tree?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
We submitted a contract for a short sale to Ditech early XXXX 2015 and after close to 4 months of attempting to get someone to work on the file we submitted a complaint to CFPB and was finally contacted by Ditech and they escalated the file to be worked on. We received an approval for the Short Sale on XXXX XXXX. By this time the buyer decided to walk after waiting too long and extreme deterioration of the property. We put the property back on the market and received another offer ( same as the previous ) and submitted it with new paperwork all over again. Since we have submitted the package, no one will respond in reference to status or as to whether or not anymore documents are needed. I have sent email everyday for the past 2 weeks and called but to no avail. This is just the most frustrating process with this particular bank and it just never ends!!!!!

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 2015-04-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
Greentree mortgage keeps calling me on my cell phone and leaving messages on my voice mail for a XXXX. I have called them several times and told them they have the wrong number. I also emailed them today, but still got another call. The last caller could n't even give me my phone number. She asked me is this you number XXXX times and neither was my number. The voice mails ask XXXX to call XXXX. Today the call returns have showed XXXX and XXXX. I do n't think they believe me. They have previously called me a wk to a month ago and I called them back and told them my number was not XXXX 's. Also, when I call their numbers back the automated system always wants to know my last XXXX of my ssn. I will not give that. The XXXX said I should file a complaint with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
This account is on my credit report. I spoke with the original creditor XXXX and they indicate that this account does not exist. i spoke with debt recovery solutions on XXXX and XXXX and XXXX representatives were rude over the phone and only cared if i was going to pay or not. all i tried to do was ask for help since the original creditor does n't have any info on the debt then how am i supposed to get this resolved. I spoke with XXXX XXXX who claimed to be the " top manager '' and he also had a bad attitude and did not maintain professionalism. all they offered was to send me a bill however that would not help in this situation.I offered to conference the call with the original creditor however the manager refused. he acknowledged that the original creditor would not have any information on a sold account but would not explain why the representative the previous day told me to call them. this company is giving me the run around and it is unappreciated.

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 2016-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: OLIPHANT FINANCIAL, LLC
State: VA

Complaint narrative:
I keep receiving XXXX number calls from various numbers for a XXXX XXXX which is not my name. I have had this number for approximately XXXX years and I currently do not have any debt. The person on the phone does not identify their company and has not remove my number from their list. The latest number was XXXX XXXX XXXX XXXX and the woman hung up on me when I demanded to be removed from their list telling her they have repeatedly called the wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I have a mortgage that was taken over by Green Tree Servicing LLC and they have a Corporate Advances fee in my balance of XXXX. I feel like this is a fraudulent charge and would like it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
I have XXXX complaints regarding, 1. Mismanagement of my payments, and 2. the refusal of DiTech to send me mortgage statements and full disclosure of my account, prior to, during and after my bankruptcy and 3. the rude, disrespectful, callous disregard of my requests to resolve the aforementioned matters. 
Customer Service : DiTech Financial LLC, XXXX. XXXX XXXX, XXXX XXXX, S.D. XXXX Bankruptcy Correspondence Address : DiTech Bankruptcy Department, XXXX. XXXX XXXX, XXXX, South Dakota, XXXX When DiTech Financial took over payment management from Green Tree, I was and have always paid my mortgage 2 months in advance. Therefore if my billing stmt was XXXX/XXXX/XXXX, my due date was XXXX/XXXX/XXXX. From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX DiTech took one whole principle and interest payment and mis-applied it without my consent. Therefore I am only 1 month in advance. Since bringing this to DiTech 's attention via phone calls ~ they have ceased sending me mortgage statements. I have not received any mortgage statements for XXXX/XXXX/XXXX to present XXXX XXXX. 
2. My bankruptcy was discharged on XXXX/XXXX/XXXX. I have been paying my mortgage without billing statements faithfully every month, throughout the bankruptcy. To date Di Tech refuses to respond to resolving the mismanagement of my payments, and to provide me with billing statements, and full disclosure of all my mortgage records from XX/XX/XXXX through present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
I have disputed several accounts from this Collection Agency. Besides that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have retained new copies of my credit reports, and noticed that they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XXXX/XXXX/2016. ( i have certified mail receipt as proof of signature ). 

I have sent them a letter on XXXX/XXXX/2016 regarding this issue and that they must now remove all negative accounts from my credit reports ( attached herein ). however for some reason i have n't yet received confirmation of delivery. Since I do n't want to wait any longer I am filing this complaint. 

If the negative accounts do n't get removed in a timely fashion I will file a small claims suit against your company. 

I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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