vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Green Tree financing has had an equity line of credit on my property in Ohio. In XXXX XXXX, they bought the primary mortgage from XXXX. Green Tree doubled the payment on the equity loan in XXXX XXXX. I filed for loan modifications on both loans, the equity interest rate was dropped, but the primary loan was offered to extend back out to a 30 year mortgage at 6.875 %. I did not take this and asked for the amount to bring the mortgage current. I did a pay by phone payment on XXXX XXXX XXXX for {$4600.00}. This was to bring the mortgage current through XXXX XXXX. 

Green Tree did not credit the amounts to the account. I have made several calls to clear up the matter, but am being told that they have no record of a {$4600.00} amount. I was told I did n't send in a XXXX payment, but when I produced a receipt, they asked for a couple of weeks to clear their records. Green Tree also said I would continue to accumulate late fees and I should be fine to pay them. 

I did get letters dated XXXX stating that both loans were in good standing and were current. Today I received a loan modification packet stating I am 30 days past due. 

During one of the conversations, XXXX from Green Tree said " I needed to understand that her investors did n't care about the equity loan and just wanted to foreclose on the property because they could make money ''. 

I would refinance to get away from Green Tree, but the value of the home is still less than the combined mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
Several years ago my XXXX mortgage was transferred to Green Tree for servicing. I immediately called Green Tree to set up on-line payment of my monthly bill. Well, I was rudely informed that Green Tree does not accept on-line payments. The customer service person, referred me to a phone line that handles complaints about Green Tree. Can you imagine the number of complaints Green Tree receives, if they have a separate department that handle these matters for the company. 

This morning I received my SS payment on-line and immediately went on-line to pay XXXX Mortgage, XXXX XXXX Bank, XXXX XXXX, and XXXX Card. And I will mail my payment to Green Tree, because on-line payments do n't work with them.

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: NJ

Complaint narrative:
I have been sick with XXXX XXXX for 2 aND 1/2 years. I was forced to leave my job ( I was terminated when I applied for another leave ... ). I needed more XXXX. 
My mortgage is serviced by Ditech Financial and I am being harassed and threatened by the account rep working on my account. 
" XXXX XXXX '' aka XXXX is that account rep. 
She calls everyday and tells me that I am refusing to talk to them. In the same conversation she will ask the same questions. " But you wo n't tell us what your intentions are. '' I called customer service, explained the situation and requested a new account rep. I was told that, " i'Ve never seen that happen since I 've been here. '' No change was made and I continue to be subjected to these rude and abusive collection techniques. I am waiting for Soc Security XXXX and a XXXX XXXX payment which will be monthly, but XXXX tells me that " I just need to graciously exit the house because I ca n't pay for it. '' I am behind in my payments - I was unable to make my XX/XX/XXXX and XX/XX/XXXX payment and I am less than 60 days late. 
When i'Ve spoken to XXXX , she says that I refuse to give them information ( as I answer their questions ). I refuse to take her calls - she called today and left a message, " XXXX XXXX - we have n't heard anything from you ... '' I'Ve been in this house for 13 years. I never paid late. I have a serious illness - I am not a dead beat. 
There are so many complaints i 'm reading about this company and XXXX talks to me as if I deserve to be treated like a XXXX. I do n't! I need help - now. I 'm asking to be treated according to the boundaries set up as acceptable collection practices. Please!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
this account was started as a result of identity theft i have file police report and ftc id theft affidavit notarized outlining this specific account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
My mortgage was sold to Greentree last XXXX after 2 months with them I was told I had a {$1700.00} escrow shortage 2 months after that they told me my payment would be increased again because now I had a {$1500.00} shortage last month I get another escrow analysis and now they want another {$2000.00} so in XXXX and a half years I owe them over {$5000.00} in escrow shortage my property taxes are {$4600.00} .Nobody in thier so called customer service seem to know anything I do n't know what they are doing with my escrow payments but something is n't right this place is a nightmare.I see ditech has taken but the damage is done and I dought they are going to be any better since that are really the same company. I do n't know where to go to get help with this and get honest answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
I financed a mobile home in XX/XX/XXXX with Green Tree. The amount financed was {$30000.00} and as of XX/XX/XXXX I have already paid Green Tree {$68000.00}. The principal balance is {$21000.00}. I have a copy of my Green Tree payment history and on several of my payments {$0.00} went toward principal. This does n't seem right to me. According to Green Tree I still owe another 15 years at which point I will have paid them over {$140000.00}! I was inexperienced in Mortgages when I took the loan and did not realize that I would be paying so much interest. I talked to them about refinancing and Green Tree said they do n't do that. I ca n't sale my mobile home because I owe much more than the value of it. Could someone please look into this and let me know if there is anything I can do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I made an additional Prinicipal Payment to my loan in the amount of {$1400.00} on XXXX/XXXX/XXXX. The payment credited to the account on XXXX/XXXX/XXXX ( {$970.00} to principal, {$93.00} to interest, {$170.00} to late fees and {$190.00} to escrow ). The payment I sent along with a detailed itemized statement was to be applied as follows ; {$950.00} to additional principal, {$470.00} to late fees and {$15.00} to ISF fee. XXXX/XXXX/XXXX I called in and spoke with CSR who advised she would open a ticket to have the correction made. I was advised the correction would take 7- days. On XXXX/XXXX/XXXX the correction to my account had not been processed/updated so I called back and asked for a supervisor. I got XXXX who apologized for the issue however advised he would ensure the correction was made. He also advised he would credit my past due amount $ XXXX. I confirmed the amounts which should have been credited and he reassured me he would call me back with the next three - five days to confirm the adjustments to the account. I did not hear back from XXXX. XXXX/XXXX/XXXX I called back, asked for XXXX who was not available. The CSR transferred me to XXXX ( TX Callcenter ). It is my interaction with XXXX which is prompting my complaint. After being on the call for 15 minutes and 43 seconds with XXXX asking me the same question over an over again " do you want payment applied to XXXX or not XXXX that is all I am asking you " and me replying with " no, I have advised you this 3 time already '', she went on to advise me that she did n't need me to " break anything down '' for her as she was clearly able to see what should be corrected and told me to hold while she made the correction. XXXX indeed did not put me on hold simply muted her headset line, I XXXX and know the difference, and released the call without confirming or calling back to me as the customer to reassure me that the issue after ( 3 ) failed attempts would be resolved. 

It is currently XXXX My call with XXXX was released adversely by her at 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 2015-08-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I was just made aware that Greentree is seeking settlement of deficiency that occurs following the foreclosure sale of my home vs. the amount owed. I have not received detailed information on the deficiency and was being asked to settle the deficiency. I asked for a reduced settlement amount and also asked that they provide more detail before moving forward. I 've researched that in the State of MI, a borrower 's deficiency is capped at the FMV of the home. I was not made aware of this during their call. They said they will be sending me information in the mail. I also am not happy with the denials I received from them during the short sale process. They ended up selling the home for an amount less than what they were willing to negotiate with me ( via short sale ). I 've attached an email from my realtor that shows her surprise at the pending sale price.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
These Creditors have been harassing me for almost two years. I have denied this debt. They sent additional attempts to collect debt. I filed for chapter XXXX XXXX Bankruptcy relief and included them. They started sending wage garnishment attempts to my employers. I contacted Consumer Finance Gov regarding this and the company states the account is closed as of XXXX XXXX. So a few months later I receive another attempt to garnish my wages, so I sent information letting them know once again 1 ) this is not my debt and 2 ) I do n't know what these student loans are for. They sent me some information from XXXX XXXX XXXX from when I was enrolled in XXXX ( unsure of exact enrollment time, this is an approximation ). Once I was informed of the school, I wrote them back letting them know the school staff were signing our applications ( evening students ) and receiving loans on behalf of us. I also informed them that is the reason the school was closed. They sent XXXX application packets where I needed to provide XXXX signatures from as close to the date as possible. I was given 60 days from XXXX to submit. However, the company sent another wage garnishment to my employers prior to my 60 day submittal deadline although I faxed all of the application including my supporting documents the day before my 60 day deadline. It took me almost two months to locate anything with my signature dating that far back. Now the company has began emailing me to rehab my loan and are ignoring my discharge due to unauthorized signature.

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 2016-06-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: MD

Complaint narrative:
XXXX had my loan when I was in school. Prior to it coming out of deferment, I updated my address with XXXX. When they transferred the loan to American Education Services ( AES ), somewhere in the process, the new address got completely lost and my previous address got transferred incorrectly. I never received notification of the transfer of my loan, nor a bill. 
In my complaints directly to AES, they claim : 1. they did not have my permanent address. ( see attached document directly from their site proving they did ) 2. They sent my mail to the same address as they sent to my cosigner " XXXX '' ( see attached document proving they sent my mail to " XXXX ) I therefore, not only did not get the mail to my PROPER address but also somewhere in the transfer they changed my street name and town. ( there is a XXXX and also a XXXX town ) It was n't until I went to refinance my home mortgage that I found out a company was tanking my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a credit card with Capital One, a gm card to be precise. Before XXXX I ordered some vinyl upholstery from XXXX XXXX, after receiving notice that the order had been delivered, but not received by me I complained to Capital One. They arbitrated an agreement with XXXX XXXX to reissue the order, XXXX XXXX would not send the order until they got the cash back from Capital One. After another long wait I cancelled the order, and XXXX XXXX told me there would be no refund because they never received the money from Capital one. I have been waiting months to see a refund, and finally filed a complaint, they tell me they ca n't help me. I have no product, but am still out the money plus interest charged on my original complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I 've been in conflict with Ditech/Greentree since they first took over my mortgage servicing. Their staff can never explain what the issue is with my account. Only that they 've put a " research '' on it. Nothing has ever come from their " research ''. In Ditech 's XX/XX/XXXX letter which references attachments that were not attached, they state that my payments fell behind due to an escrow shortage. However, my XX/XX/XXXX escrow statement ( attached ) had {$3800.00} in surplus that was sent back to me. In addition, my XX/XX/XXXX escrow also had a surplus ( even though they continue to state my payments were short ). Ditech states they sent me a check, with no amount listed, which was NEVER SENT TO ME! DiTech continues to make false statements. Where 's my check? Now, I receive my XX/XX/XXXX statement with more late fees and non-posting of my XX/XX/XXXX payment which they received on XX/XX/XXXX. This bank is a fraud!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
I recently had a claim of hail damage to my roof with XXXX XXXX. I received a check in my name and my mortgage company. The new roof was put on XXXX XXXX. Ditech, my mortgage company, will not sign off on the check from XXXX XXXX until they receive a copy of the insurance adjusters estimate, and an itemized written estimate of repairs from the contractor and a properly completed XXXX form from the contractor! Then they will send out their own adjuster and check and then they will pay the builders. In the meantime, my roof is completed and inspected and I need to pay the builders out of my own pocket! My insurance company has never heard of this! I really feel like this is not my home!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
Ability Recovery Services placed a collection account on my credit report. I received notification from XXXX on XX/XX/XXXX. On the collection account they listed XXXX as the original account holder. They listed recent dates on my collection account. They stated account was opened on XX/XX/XXXX and was updated on XX/XX/XXXX. I called them and they stated this was from over 5 years ago or more. They confirmed this was from XX/XX/XXXX at the earliest. I have lived at the same address for almost 4 years, and have had the same phone number for over 3 years. I have never ever heard from this company. I was under the impression my course was cancelled with XXXX because I beame totally and permanently XXXX. I think that Ability Recovery waited until I applied for a mortgage ( XX/XX/XXXX XXXX and then listed the account on my credit report because I was applying for a FHA mortgage and would have to pay before closing. I have also reported this to the Federal Trade Commission. With the reputation of XXXX being untruthful with students and issues with Ability Recovery Services, I think further investigation should be warranted. I have attached the listing from my credit bureau and also my total and permanent XXXX student loan information stating all my loans were forgiven due to permanent and total XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: EdFinancial Services
State: NY

Complaint narrative:
I consolidated a Parent Plus Loan with Ed Financial Services in the amount of {$94000.00} since XX/XX/2008. For the past 8 plus years, only {$1600.00} has been credited to my loan with an installment of {$690.00} per month@6.875 %. Granted forbearance on the loan occurred twice with only 2 months withheld. It does not make sense that for the past 8 years I 've been paying regularly and on time and hardly any dent has been credited to this loan. Also, this institution does not credit or help you pay additional towards your principal. They are legally ripping off the consumer in lumps and not helping anyone getting out of college debt paying never ending interest amounts! There has to be a stop to how Ed Financial Services takes advantage in giving out these loans to decent college grads and consumers. How can anyone possibly get ahead in paying their debt for that amount if for the past 8 years a dent has hardly affected or impacted this loan!!!!! It 's totally absurd, cruel and inhumane!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: NH

Complaint narrative:
I have repeated asked the Debtor to provide proof ( by way of the original bill ) of this debt - both on my own and through your agency. The collection company has put this collection on my credit report without verifying to me that it is a debt. That was a ludicrous move because they were far likely to get paid ( if the bill is even legitimate ) had the only reported IF I did n't pay. Now, regardless of the outcome, what is the incentive - it is still on my credit. I read complaint after complaint about these people and there is no one that does anything about it. Shame on everyone involved. Putting this bill, without an proof, on a credit report for a alleged bill I owe back to 2009 is extortion. Shame!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth Financial Systems , Inc. of XXXX XXXX, PA had sent me a collections and verifications notice as to an unidentified debt for a physicians service of which is unidentified and unknown to me. 

I have responded to the 30 day letter disputing the matter however upon checking my credit reports they have posted negative marks against me as to collections. The date of their notice is XXXX XXXX, 2016 and the derogatory credit posting is XXXX XXXX, 2016 almost 30 prior to contacting me. This is in full violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) since I have disputed the claim and requested validation. This agency has violated sub section as to reporting inaccurate information as to credit reporting agencies even prior to contact me as to the validity of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: D2 Management LLC
State: AZ

Complaint narrative:
I was contacted by phone by a company called D2 Management in, XX/XX/XXXX about a {$980.00} debt that I owed. They stated my wages would be garnished because of the amount of the debt, but, I could stop wage garnishment by paying a {$200.00} settlement amount. They emailed me the Final Notice with IRS CODE 26 U.S.C. 108 : US CODE SECTIO 108. So with in XXXX weeks I paid the settlement of {$200.00} and the company emailed me a settle letter. It wasnt until XX/XX/XXXX, as all of the new internet scams starting happening that I realized, the debt collection notice and phone call I received could have been a scam too. I instantly checked my credit reports from XXXX, XXXX and XXXX. No where did I see the debt amount of {$980.00} from D2 Management or a payment of {$200.00} to D2 Management. So then I called D2 Management and i spoke to XXXX. When I asked him, who the original creditor was, he stated " XXXX XXXX, you already know that infomation. '' He refused to provide me with any information about who I originally incurred the debt with. He did n't even give me a time frame or date.

Company response to consumer: Closed