vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Ditech gave me written approval for a loan modification, then came back right before the third trial payment and stated VERBAL by way of a phone call that they modification should have not been approved ; stating that there was a glitch in the system why it got approved. I have submitted all of the trial payments on time, then they voided out the modification and it was apparently listed as cancelled in the system because it would not allow their customer service representatives to process my XXXX XXXX, 2017 payment. I called several times, leaving messages in the mailbox for the account representative assigned to my case, and also the the non-profit company that assisting me with the making home affordable program contacted their contact personnel by email on several occasions without any response. I called back on Tuesday XXXX XXXX, 2017 and demanded to speak to a supervisor. At that time I was informed that " the underwriter went in and placed some notes '' in my file. I was then able to make the XXXX XXXX, 2017 payment. 

Ditech has been very fishy with responding or giving information or clarifications when requested. In addition cancelling the modification twice with no concrete reasons, or justifications, then blocking the account so that payments can not be made? i have then all that is being requested of me ; as within my abilities to secure a modification.Then to make matters I was advised that they had a pending sale date of XXXX XXXX, 2017.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington bank is doing it again. 
They are using deceptive tactics and gaming the system also Reordering and rearranging purchases to collect overcharge fees from customersWhen ever you file a dispute, your dispute is in the trash bin and wont be approved in your favor, actually they will get the money back from the merchant but they will not let you have your money back, dont know if these guys are at all doing their job or just ripping off peopleI GOTCH YOU type of thingthe customer service stuff is horrible and their managers sitting all day long doing nothing than telling their stuff to say sorry or no to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My mortgage company refuses to release the funds my insurance company has given them due to water damage in my house. I have provided them with all documentation. Every day I contact them they are saying they are missing something else despite it being in the file the previous day. Although I was given an assigned representative, I am unable to speak to her. I was told that I was unable to speak to anyone in the claims department by customer service by a man named XXXX on XXXX XXXX due to my account statusdespite the fact I had paid my mortgage that morning. They have had a check from my insurance company since XXXX

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 2015-07-06 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I was told that the mortgage was paid in full and Green Tree Servicing cancelled my homeowner 's policy and sent me a letter indicating that the insurance was cancelled because the loan was paid in full. Subsequently, they have called me constantly, from morning until night demanding more money. I sent them an additional XXXX last month and I am still receiving threatening letters insisting that I still owe more money. I requested a payoff and the payoff says that I owe XXXX even though the statements I have received say that I owe XXXX in principal and XXXX in escrow. Every time they call here, I have requested an explanation for this discrepancy and in addition I have called countless times to try to get a straight answer but they never provide XXXX. " Someone will research it and get back to me, '' or " they 're looking into it and will call me back, '' but they never do. Still, the collection calls and letters keep coming. This is so stressful that I feel sick.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I used to have a pre-paid XXXX account, consisting of top up cards. There was never actual XXXX in contact with me. The claims of my current balance with there collection agency are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
I paid off my house on XXXX XXXX and received a payoff quote form Ditech and I have been having issues receiving a payoff letter form Ditech. I can not get in touch with anyone but costumer service and keep getting delays form them. 
I will attached documents of proof of payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: NJ

Complaint narrative:
I have check my credit report and it said that I owe this agency {$750.00} from a verizion account that I do not have and this agency have been reporting this account to these credit companys and now my credit is starting to decline

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 2016-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I was denied for HAMP, XXXX XXXX XXXX Mod and HAMP Tier II. HAMP and XXXX XXXX XXXX mod said I am less than the XXXX % DTI, which I understand that. But the HAMP Tier II I do qualify for. My denial letter states that I was denied for HAMP Tier II for the following : Your client 's modified monthly mortgage payment must be greater than or equal to XXXX % or less than or equal to XXXX % of their gross monthly income. Well, I am at XXXX % DTI which shows that I do qualify for HAMP Tier II. 
I filed an Appeal on the denial letter and the lender stated they would have a response by XXXX/XXXX/2016. My atty nor I have received a response. I called the lender on XXXX/XXXX/2016 and I spoke with XXXX in the XXXX XXXX. She placed me on hold while she contacted Loss Mitigation. XXXX came back to the phone and she stated that the Appeal is still in review and is in the Complaint Department. She stated that Loss Mit does n't know when a decision will be made. 
This is not acceptable. As you can see I clearly qualify for the HAMP Tier II and the lender has taken over 30 days to respond with a decision on the Appeal. Even if I did not qualify for Hamp Tier II, the lender should have some in house modification programs such as Asset streamline mod etc, to assist homeowners with true hardships. 
The lender also indicated on the denial letter that the completed an interior appraisal on the property. The lender DID NOT complete and interior appraisal or an exterior appraisal on the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have a mortgage through Green Tree Servicing and two months ago, I entered in the wrong payment amount and my mortgage payment was short XXXX ( XXXX cents ). Green tree accepted that payment and then I noticed that they attempted to collect my mortgage payment again, for {$1300.00}. The second attempt to collect another mortgage payment did not go through and then I started receiving the phone calls. Green tree called me at least once per day, sometimes two or three times a day demanding full payment ( {$1300.00} ). They threatened everything from reporting me to the credit bureau to raising my rates. They were rude, aggressive and verbally abusive. I asked to speak to a supervisor and was yelled at by the " supervisor '' as well. When I asked to speak to a supervisor, I was told that I had to pay the {$1300.00} first, or that I could not be transferred. Keep in mind that they still had the {$1300.00}. When I told them that I would pay XXXX on the next bill I was told that they " did not accept partial payments ''. I finally found another telephone number and called in only to be sent straight through to the collections department again. This time, they wanted to speak with my bank. I refused to let them, and then they demanded access to my bank statements. Again, I refused. I told them repeatedly that they no longer had permission to call my phone ( cell phone I do not have a home phone ) and that any further correspondence would have to be via mail. This did not stop them. The harassment continued. After XXXX weeks, the calls finally stopped. I paid the extra XXXX on the next bill and I did not have any more trouble until, when this month, I sold the house. 
The closing date was on XX/XX/XXXX. My payment was due on XX/XX/XXXX. I called on Monday, XX/XX/XXXX to make sure the wire transfer went through and, again, was sent straight through to collections and was treated like a criminal and they would not tell me the balance on my escrow account until I made my XX/XX/XXXX payment. Even after explaining to XXXX different employees that the house had closed only Friday, they were rude and kept repeating, " you need to make a payment '', " why do n't you just make a payment '' " i 'm not going to ( transfer you, help you ) until you make a payment ''. 
This company should be closed down for good. I see that they have been fined. This, apparently, did nothing to deter them from illegal collection practices, obviously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
I have contacted this agency more than once and unfortunately they are very rude and have even hung up on me as I tried to communicate that this debt is not mine. They DID admit that my EX-spouse listed me as a " responsible party ''. She has, nor had No Right or Permission to contract any debt on my behalf. This collection, I recently learned about was part of the reason I can not purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: DAS ACQUISITION COMPANY, LLC
State: GA

Complaint narrative:
My mortgage broker submitted my application for a loan I would not qualify for, even after being provided full disclosure of my situation. Broker was not aware of mortgage rules and as a result submitted my application for a loan type I would not qualify for, and then did not advise me in a timely manner prior to the financing contingency deadline that underwriting had found issues with the application. As a result, I lost {$1500.00} earnest money. Mortgage broker refused to take responsibility for lack of timely communication, and not understanding the mortgage rules.

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
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BTH Management
State: CA

Complaint narrative:
Original loan with XXXX. Debt was sold off to XXXX ( A.K.A. Plaza Services at phone # XXXX XXXX ). I called XXXX to request settlement offer to clear debt and XXXX referred me to collections company XXXX who owns the debt now ( verified on my credit report. Representative ( XXXX also stated she is a manager with XXXX and one of the policy makers on no settlement offers ). I requested a settlement offer from XXXX at XXXX and was advised that XXXX ... /Plaza Services is not a debt collector but a debt buyer. I asked if I could get a settlement offer to close the debt out and was told by XXXX they do not offer settlements since they are not a collection agency but they would take the entire amount owed on the account they purchased. I told XXXX my credit report is showing that Plaza ServicesXXXX is the collection agency to contact to resolve the account. XXXX advised me that XXXX/Plaza Services is not a collections business and my account is in a holding status with thousands of other accounts until XXXX gets it assigned to a collection agency. I asked who the collections agency was and XXXX said it has not been determined yet. I asked how can XXXX accept money from me for a full pay out or as XXXX suggested to set up payment arrangements when XXXX is not a collections agency. I asked why would accounts be in a holding status preventing the consumer from closing the account through a settlement. None of XXXX answers were consistent with other agencies. XXXX advised me that I could not speak to anyone above her management level to get a deeper understanding of why the debt could not be resolved through them versus waiting until XXXX removed the account from a holding status. What struck me as odd was XXXX at XXXX was the customer service representative, the office manager and decision maker, and an author or the company policy on no settlement offer. It appears strange that XXXX is doing business as a debt purchaser and is indicated on my credit report as a collection agency and will not negotiate a settlement on a debt they own per their policy. 1. Are their actions legal or within guidelines? 2. Are they splitting hairs to meet their need to make more than their share of money off of consumer debt without oversite? 3. Why can I not settle my debt with a company that owns it? Does this fall under the fair credit act? 
This experience does not appear to be a proper way to handle consumer debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
My loan was sold by Greentree to Ditech approximately 6 months ago. Since that time, my loan payments ( which have always been submitted on time ) have been applied to my escrow rather than my mortgage, thus making my mortgage payments late. We have contacted them each month letting them know that the payment has cleared our bank and they will reapply the payments to our mortgage, which does happen eventually. In the meantime until that payment is applied ( which can take up to 10 days ), we receive calls on our cell phones and our business phone stating our payments are late. Many of these calls come on the weekend and the evenings when we can not address the issue with a live person. This happens EVERY MONTH. My XX/XX/XXXX payment was not applied to my account until XXXX XXXX, therefore accruing for an additional month and making me over 30 days late when my payment was actually received by Ditech on XXXX XXXX. Additionally, my XXXX payment that was sent on XXXX XXXX is still showing delinquent. I talked to a supervisor today that said it is a known error and this is affecting XXXX Ditech clients. The collections calls are borderline harassment since there is no immediate recourse I can take, my mortgage payments are being held hostage due to a computer error, my credit has the potential to be affected and I am being charged unnecessary accrued interest!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
My husband and I got behind on our mortgage when my husband had XXXX XXXX. Green Tree sent us notification they were going to foreclose on our home. We finally got the money to catch the payments up and paid it. Thinking we were good we recieved a letter in the mail stating they were taking the necessary steps required by law to gain possession of the creditor 's collateral. It also states they 've sent us a " Notice of Default and right to cure Default '' notice. The notice is still in effect and they will proceed as outlined in the notice unless they receive {$400.00} in late fees. My husband went in person to pay the missed payments and was told we were current. No one said anything about late fees or that they could still foreclose on our home over late fees. They also charge every time you make a payment and with draw money out of our bank account even when we 've not authorized them to do so causing NSF charges at our bank. This company needs to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
Seven months after moving out of my previous home, XXXX XXXX XXXX XXXX XXXX sent a bill for {$370.00} to a collections agency. No attempt had been made to inform me of the debt in the intervening 7 months. XXXX XXXX XXXX had my home phone number, work number, bank account information ( with permission to withdraw ), new address, and e-mail address. Yet they sent the account to collections without ever informing me that there was a balance due. 
The collections agency threatened to take further legal action, including negative credit scores and lawsuits, if I did not pay immediately. The collections agency had no information about the debt. XXXX & XXXX had no information or explanation of the debt, other than " you owe this. '' No one could explain why no previous effort had been made to collect the 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 2015-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: ID

Complaint narrative:
My mortgage company took possession of my house while I was out of town. They sent a company to change the locks and winterize the house. I am behind in payments but not in foreclosure. They provided no notice to me either before or after the locks were changed. 

This is just the latest in a long string of what I would call bad behaviors by the first mortgage company, which began in XXXX 2015 when I asked for a loan modification. The representative told me I would not qualify " because I did not have 2 years of tax returns showing my self employment income '' I knew in XX/XX/XXXX that both mortgage payments would significantly increase in XX/XX/XXXX/XX/XX/XXXX. 

I worked with the XXXX mortgage company in XX/XX/XXXX and received a conditional approval for a short sale. 

I listed the home for sale in XX/XX/XXXX. I presented the first short-sale offer in XX/XX/XXXX and was denied in XX/XX/XXXX. I was again denied in XX/XX/XXXX for a short-sale after a second short-sale offer. I was further denied in XX/XX/XXXX for a deed-in-lieu request. The representative told me to " wait 30 days and re-apply. '' I was getting ready to re-apply when I was locked out of the house. 

What do I do next?

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