vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I have been working on a short sale contract for my condo in Florida with GreenTree ( now Ditech ) since XX/XX/XXXX. I have a real estate lawyer to help me navigate this but he has not been able to get much response from the bank. They are constantly passing my contract to a new negotiator who claims to know nothing. This buyer has been very patient and agreed to the bank 's asking price of XXXX ( which is above all the comps ) in XX/XX/XXXX, yet the contract fell through because GreenTree was not responding to any calls or emails from my lawyer. I almost lost this buyer but he decided to give it another shot, we resubmitted the contract in XX/XX/XXXX, and still the contract gets no response. This is for the amount the bank negotiated and I have provided all paperwork they asked, so why is this not moving forward? I 'm afraid this will go into foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
On XXXX XXXX, 2015 a collector XXXX XXXX XXXX from green Tree Servicing called and I did a SpeedPay payment with her in the amount of {$990.00} plus the {$12.00} Fee. On XXXX XXXX, 2015 the same collector XXXX XXXX XXXX called back at XXXX stating that she made a mistake and the payment was incorrectly applied to my other mortgage account. She stated that her supervisor XXXX XXXX XXXX cancelled the payment from XXXX and that she needed another SpeedPay payment from me. I was leery of doing this but since she said the previous payment was cancelled I went ahead. The next day XXXX/XXXX/2015 XXXX payments in the amount of {$990.00} plus XXXX {$12.00} fees were taken from my XXXX bank account. I called XXXX and she said her supervisor XXXX XXXX XXXX did n't do her job and transferred me to XXXX. XXXX said that she would have the incorrectly applied payment back in my XXXX bank account within XXXX hours plus the {$12.00} SpeedPay fee. I called XXXX on XXXX and XXXX and left voice messages with no response from her. I also called customer service on XXXX and XXXX and they said they would send an email to XXXX and XXXX in collections. As of today XXXX/XXXX/2015 the payment has not been refunded to me and according to Green Tree Customer Service no refund has been processed. I was able to reach XXXX and XXXX today XXXX and was told by XXXX that the refund had been processed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC.
State: GA

Complaint narrative:
The promissory note states that I " must '' provide XXXX separate references. The note that you attached fails to state what you will need that for. Are the references needed to find me in the case that I am not communicative? The question I need you to answer is, if the purpose is to not discuss the defaulted loan with the references, then what was the purpose of calling the references? I also have proof that you have contacted individuals outside of the references listed in the note. Please provide explanation as to why? 

You state that I failed to " return phone messages from ECMC or to contact our Collections Department to discuss options. '' I am reattaching all of the communications that I have had with ECMC as I was always in contact with your department to seek a just solution. From the onset of my communication with ECMC, I stated my preferred method of communication on XXXX XXXX, XXXX ( please review Communication XXXX ) as my email address. Please refer to the XXXX XXXX, XXXX email ( Communication XXXX ) where XXXX XXXX confirms that " I know that your preference has been email. '' As I have confirmed on multiple accounts my willingness to communicate with ECMC and to find a resolution, please explain why you do not honor this request and contact me via email as this is the method of contact I have requested instead of calling me? Please explain why you continue to call these references, and those who are not listed as my references? If you did not discuss my defaulted loan, what did you want to discuss with those listed as my references and others outside of these references? You state that " ECMC has a continuing obligation to use all methods prescribed by federal regulations to collect the student debt from you. '' If you are attempting to collect from me, and I am communicating with you as evidenced in the communications attached, why were you calling other people? Was it to collect from them when they are not obligated to pay the loan? 

Currently, I am in communications with XXXX XXXX, your manager in XXXX via email as I have requested to work on a resolution. Please have all of your departments contact me via email as originally requested. Do not call anyone else concerning my loan. And please answer every question in this response. You have not answered these specific questions in any of your prior correspondence.

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 2015-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
In XXXX, XXXX, XXXX sold my HELOC to Green Tree. Starting in XXXX, XXXX, I have had nothing but trouble with them. First, they told me I 'd missed the first payment and that I had a balance from XXXX that was sent over with my account. A manager at XXXX ( I wish I could remember his name ) had me on the phone while he tried to call management at XXXX XXXX to tell them that, in fact, I did not have a balance. All XXXX times, he got voicemail, all XXXX messages went unanswered. 

Over the years, GT has said I am in arrears, they have charged me a small fortune in late fees, that I do NOT owe, charged me for some Corporate fee they say was sent over from XXXX. XXXX reversed that charge in XXXX. 

About a month ago I get a veiled threat on my monthly statement that if I do n't pay up, they can exercise their right and seize my property ... over less than {$700.00} that I do not owe! 

A few weeks ago I called, again, to dispute these charges. I spoke with XXXX in the collections department. I kept insisting I do not owe this money. At THAT time, I told her I pay, and have paid, this account in the same fashion, on the same date, since its inception. She stated that I was fine until XXXX XXXX. When I asked what happened in XXXX of XXXX, she could n't tell me! 

When I called again a couple of weeks ago, I spoke with her, again. She stated that I missed the XXXX XXXX payment and made a double payment in XXXX. She stated I also missed XXXX XXXX payment but did n't catch up. I have my Bill Pay records to prove differently. All payments have been made, on time, to Green Tree. All the while they have been telling me, and charging me, I am a month in arrears. 

Today I sent certified letters to both of their locations in XXXX and XXXX. I enclosed copies of my Bill Pay records and the statement from XXXX that the {$40.00} fee had been reversed. I told them I expect a corrected statement of my account within 10 business days of receipt of my letter. 

I do not have great faith these sleazy crooks are going to back off any time soon. I did some further research and found that you, and the XXXX, took them to task and in XXXX of this year, they were fined and guidelines they are to follow, laid out. 

I am here to tell you, they are still practicing their dishonest protocol and I am reaching out to you for support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In XXXX XXXX my wife became medically XXXX and was unable to work. We were no longer able to pay our mortage. We performed a short sale on our home in XXXX, XXXX. The XXXX lien was held by GreenTree Serving. In spite of repeated assurances that the short sale would satisfy our account, the company did not provide a settlement statement at closing and mailed a letter stating we still owed $ XXXX postmarked ON THE DAY OF CLOSING. They began harassing us for the money, calling us day and night, and they wanted us to pay all that money at once. We had to get a lawyer to stop the harassment. Nothing was reported on our credit from that point on. Two years later, our financial situation greatly improved, the VA had declared me XXXX XXXX and I received a pension and my wife had received a legal settlement as a result of her medical circumstances. We were able to buy a home again ( VA standards are to wait for 2 years after a short sale ). But the second lien was still listed as open. We tried to get the company to remove the derogatory information but they refused. We ended up settling the amount for $ XXXX. In our settlement statement we made sure that the date of settlement reflected XXXX XXXX. GreenTree began reporting that we settled in XXXX XXXX, which greatly damaged our credit and prevented us from qualifying for a loan. With a settlement statement in hand we attempted to dispute the date with all three credit bureaus. The credit bureaus ignored our documentation and used what GreenTree told them, that the settlement date was XXXX. GreenTree pretended that it was n't their fault, that it was the fault of the credit bureaus. It took several months of disputes to finally get the credit bureaus aligned to reflect the correct date. We were able to get a loan in XXXX XXXX. By then interest rates had risen over 1.5 %, and the market had appreciated over 20 %. This unethical behavior by GreenTree cost our family over $ XXXX. As soon as our loan was processed, the credit bureaus " magically '' began reporting the XXXX date again. We disputed several times and were only able to fix XXXX of the bureau reports. XXXX is correct, the other eliminated the account altogether, but a XXXX continues to report the inaccurate date. The XXXX bureau refuses to accept our documentation and claims the date has been verified by GreenTree. This company has put us through years of emotional stress and have directly affected our financial situation - tenuous as it is in our recovery from XXXX. 

GreenTree has still asserted recently that their report of the XXXX date was accurate in spite of internal emails and a settlement letter disputing this.

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 2016-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Ditech collected an additional month of PMI insurance after my loan was paid off. 
Statements show : PMI Disbursement for XXXX, XXXX 2016. Payoff amount included XXXX and XXXX 2016. The loan was paid off XXXX XXXX, 2016. Escrow disbursement after payoff did not include the additional PMI they collected. 
I called Ditech twice regarding this issue, they hung up on me once and the second time told me to request an account review in writing or they would n't address their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I am after whatever compensation I am entitled to ; I am a customer of Green Tree Mortgaging ; I am a victim of the XXXX they have been taken to task for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Greentree acquired my HAMP mortgage and I feel they are trying not to honor the agreement of my loan and possibly being deceptive. A couple of months ago, I originally asked about my {$1000.00} credit for each of the five years for making payments on time and they first appeared not aware of it. About two months later after this call, my XXXX bill pay XXXX payment they are stating was not received. I used XXXX to pay via online payments for previous Greentree payments with no problems. Only after I inquired about my {$1000.00} per year HAMP payments, XXXX of my payments suddenly was not received. The first notice I received about this missing payment was via mail on XXXX XXXX. I immediately called Greentree/Ditech and they stated they could not correct this problem and it would affect us getting the full {$1000.00} credit or to some portion. Greentree/Ditech states they have been calling my cell and an old number which I have not received any call on my cell or no message. I called XXXX and they have clear records that the payment was sent, but showing it has not been cashed. I really feel Greentree/Ditech may be deliberately not cashing that payment to save them the agreed {$1000.00} credit. It also appears they may have purchased this loan not realizing about this {$5000.00} credit for on time payments and none of it has been paid. I have never been late on any of my HAMP payments in the four years and Greentree/ Ditech even with offering XXXX records wo n't adjust for this. Not Fare or good customer service and possibly not legal.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
My mortgage is in foreclosure and I have filed for a loan modification. I have filed all the paperwork involved. This package was completed and submitted by XXXX/XXXX/16. My understanding is that under CFPB rules the bank had 30 days to respond to my loan modification submission. This has not happened. We are in mediation within the state of New Jersey and I believe that the institution involved, Ditech, is dual tracking this foreclosure action and not negotiating in good faith. I have asked for all original documentation and wet ink signatures regarding this mortgage and they have been unwilling or unable to provide the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I had difficulty making my mortgage payments because of unemployment and my mortgage went in to Foreclosure. Fortunately I was able to recover it but now my mortgage company has tacked on " XXXX XXXX '' fees that were not included on the Reinstatement Quote. I have contacted them five times and have not received a satisfactory explanation of the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I have lived at my home for 13 years, my address on my credit report is correct. Dynamic Recovery Solutions added a {$63.00} collection account to my credit report in 2015. They have never attempted to contact me, but only put this debt on my credit report. I only learned of it because I pay for a XXXX score each month. 

On XXXX XXXX, 2015 I sent a letter to Dynamic Recovery Solutions requesting verification of this debt. To date, they have yet to contact me. Immediately after my original debt verification letter was sent to their company, this debt was removed from my credit report. Now, 9 months later, this debt has again been put back onto my XXXX credit report ( I do not know yet if the other credit bureau 's were contacted. ) I still have yet to receive any type of correspondence from Dynamic Recovery Solutions and have most definitely have not received verification that this debt is mine and that the amount due is correct.

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 2016-08-31 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:
ECMC is reporting a collection on my credit report for a student loan where there were no payments due while I was in school. When I got out of school and the payments came due the account was sold to XXXX XXXX XXXX and I started making payments. I started my payment plan with XXXX XXXX XXXX and have never missed a payment with them in approximately 3 years. XXXX XXXX XXXX is reporting the student loan on my credit report. How can they report something that the payment was not due and is a duplicate?

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 2015-08-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My loan was originally with XXXX XXXX XXXX then transferred without my knowledge to greentree who did not honor my current modification I was under with XXXX so it started off bad me trying to get a new loan mod with them after two years being told I did n't qualify then they almost foreclosed on me until I hired a lawyer then Florida hardests hit paid almost {$12000.00} to my account to cover all past due fees and bring me current again now asked for a new payoff and see that Greentree has added an additional {$38000.00} to my loan amount and have called it corporate advances?? seriously my original mortgage is only XXXX now the total payoff is over {$80000.00} after we just put XXXX towards the account? I cant understand how this is legal to double my mortgage amount without my permission or consent? greentree did not honor XXXX original note or loan modification now it has already cost me over {$15000.00} in lawyers fees to save this home and clear my account and now they had added all this money to it. I need help with this matter this is no fair to me as a consumer and I wanted to transfer this loan from greentree to another lender and found this corporate advance amount added to my mortgage I need this cleared in order to proceed. Can you please help me with this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Paramount GR Holdings, LLC
State: WA

Complaint narrative:
I refinanced my home with Paramount Equity and used the money to pay my credit cards. Part of the requirement by underwriting to receive the loan I was told I had to close all of my accounts. I was also told to not pay any bills during the process of the paperwork. They had a third party person I had to contact so Paramount could verify I had closed my accounts. Today I found out that this process had ruined my credit rating and that this process was illegal. I am XXXX years old and I feel I have been taken advantage of illegally. The people I talked to today told me that this was the reason my credit score plummeted. He told me my score was under XXXX on XXXX score and the low XXXX on the other XXXX scores. He told me my credit score was near XXXX until this was done. Can I get some help.

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 2016-02-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Tormey Bewley Corporation
State: CA

Complaint narrative:
in XXXX I viewed copies of my credit reports. I seen several discrepancies at which time I disputed these accounts with the credit bureaus. several accounts were updated except for a few accounts. I disputed them again to no avail. I then called this collection company " Albuquerque collections '' at which time I spoke with a co. rep " XXXX XXXX ''. I told XXXX XXXX about the account being discharged in bankruptcy. she said that they did n't know anything about a bankruptcy, but would look into to it. she asked me to provide her with all of my information for verification, I did. she then told me she would remove this account from their records and update it with the bureaus. she also said they report to the bureaus once a month and this would in fact be updated within 15 days, which was their next reporting schedule to the bureaus. nothing was updated as of XXXX. I called them again and spoke with another rep. by the name of XXXX XXXX, who also asked me for all of my info. I complied, put me on hold and then she came back on the phone and told me that there was a mistake made previously and that she would in fact correct the mistake and update the account. as of today XXXX, this collection account from Albuquerque collection co. is still reporting this account as an " open account '' with a balance of {$240.00}. my bankruptcy was discharged in XXXX and 8 month later this company is still violating my rights under " the fair credit reporting act ''. about 2 or 3 days after my first call to this co. I started getting after hours phone calls from XXXX XXXX. XXXX '' logo. wanting me to take her out to dinner and wanting to spend the night. XXXX XXXX also told me that they are paid on commission and get a percentage of what they collect. I wonder how many people they sucker in to paying them, especially if they have a legitimate dispute of the collection.

Company response to consumer: Closed