vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Innovate Managed Holdings, LLC
State: GA

Complaint narrative:
My husband and I decided to go get a car in XXXX XXXX. We were approved for a loan with a lender by the name of XXXX XXXX XXXX. We received our car and have been paying our car note ahead of time every month. At least 5 days before its due. In XXXX like every other month, I made a payment on XXXX XXXX, XXXX. I paid on XXXX online payment center and received a confirmation email that the payment was successful. On XXXX XXXX, XXXX I received a call from XXXX stating that they are now my new lenders. I never received a notice or any warning that my loan was being sold. That 's neither her nor there. They advised me at that time that they have not received my payment for XXXX XXXX. I advised them that I had already paid XXXX. They told me that they acquired my loan on XXXX/XXXX/XXXX and that they probably just had n't received my loan yet. So they told me not to worry and that they would reach out to XXXX. Innovate loan company has been calling me numerous times out of the week and I have constantly told them that I have already made the payment. I offered to send in a copy of my bank statement and also the confirmation email that I received. They advised me that it would not be necessary. On XXXX XXXX, XXXX after being told that they still have not received the payment I contacted XXXX personally and spoke to XXXX XXXX to check on the status. XXXX informed me that they have already sent the payment electronically and no one from Innovate Loans has reached out to them. I then contacted Innovate Loans back and spoke to XXXX and offered her a contact number and a contact name. She advised me that they are unable to make third party calls. I asked her if they do n't receive my payment in 30 days what would be the outcome of my account. She advised me that they would report to the credit bureaus that I am delinquent. That would be incorrect information. I then asked to speak to a supervisor. She transferred me to a supervisor, XXXX voicemail. I have called back twice a day and now only being transferred back to XXXX voicemail. I have not received a call back with a resolution or even options. I should not be held responsible for something I was not even aware of. Now my loan, car, and credit is at jeopardy. My next payment is due XXXX XXXX. I have looked for a corporate number and have been unsuccessful. The agents are very rude and very unhelpful. I will attach my bank statement and email confirmation to show that the payment was made. I just want this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
DiTech XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX My mortgage is with DiTech, serviced by GreenTree. I received a call at work from them in XX/XX/XXXX that my account was 60-days past due. The customer service representative was extremely rude. I attempted to ensure her that I had made my payments without success. When I got home and checked my statements, they showed all my payments and my account current. When I called back the next day, a different customer service person found that DiTech had a computer upgrade earlier in the year and some payments were not being credited to the proper accounts. I even showed her where an erroneous payment had been credited to my account. They removed the erroneous payment that day. It has now been approx thirty days and I continue to get statements/documentation that my account is overdue. I had my bank confirm the XX/XX/XXXX payment ( due XXXX XXXX, DiTech received it XXXX XXXX ), but DiTech is not crediting it to my account. They have posted to my credit report that my account is past due. DiTech said they would send a correction, but the item is still in my credit report. I asked for documentation of the credit report correction, but have received none. My job requires financial responsibility. DiTech 's inability to accurately process my payments and negligence in correcting their mistakes will cause difficulties for me now and later. Every time I talk to the DiTech CSR, I am assured that they are working the problem and that my account is current. Yet they continue to take actions as though my account was overdue. I have lost time at work to try and correct this issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I have mortgage that was originally a XXXX XXXX XXXX account, then passed to Green Tree Services terrible service and even worst customer service, now the new Debt Collector Mortgage Holder is Ditech. This company is awful to make a payment over the phone takes for ever and after you are transfer to different individuals and you can finally make a payment they charge you {$19.00} fee, which I understand is illegal the State of Massachusetts where I leave. I also have problems to make my payments online because their website is does n't always allow me to make my payments. Because of their inefficient service I tried making my payments XXXX and two days ahead of the due date and recently I made my month XXXX payment on XXXX XXXX XXXX earlier, apparently they posted my payment toward the principal balance and I 've emailed them 4 times asking to adjust my payment. On XXXX XXXX I was informed by XXXX their reps. that my account was up to date and my next payment due was for XXXX XXXX. When I called this week to make my payment I was informed that I was behind missing XXXX payment, that was very frustrating and I felt helpless. I am in a bankruptcy process where I ca n't miss any payments during my 5 years plan and as of today I 've paying my mortgage in a timely manner. I was informed by their rep that an audit was being conducted on my account and the they would have an answer by XXXX XXXX. I do not trust this company, I have the names of the people I talked to, copies of my emails. They have sent XXXX letters they all say the same " we are working on your case '' ... .I appeal to your help to get this horrible company in its place and stop abusing consumers. I need a report that shows that I 'm up to date in my mortgage and that shows that my payments have been adjusted accordingly. It is so ridiculous that every time I speak with a different customer service person, each of them have a different answer : we are working on your case, we are conducting and audit, call in 7 days, call in 2 weeks. I would appreciate anything you can do to mitigate my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
We got behind on our house payments, and the mortgage company would not take our money, we had the money to catch our late payments up, they sent us into foreclosure. We got the run around on the amount we needed to send in. We finally got a letter from the attorney stating the amount owed via a certified check. I took the check to the attorney in person and received my reinstatement letter. The mortgage company has not post the funds to the account, they are now telling us that we may owe more on the account. They have had our money since the XXXX of XXXX 2015, we were told it takes 48 hours to post and it has been 4 days. We have gotten several different people and they all give us a different reason. The letter stated that we had until XXXX XXXX, 2015 to pay the total to get the reinstatement, I did this and now they are telling us to call back XXXX XXXX to see if we owe anymore money. They have charged us a " forecasted '' late fee and have also charged us for an inspection done on the property for XXXX that was done in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
in XXXX i spoke to my mortgage company to try to ask for a deed in lieu of foreclosure. They would not speak to me about it and told me i would have to email a hardship letter. I did that, they never got back to me, so i called them. they told me they would not speak to me the property was in litigation, i should speak to my lawyer. on every statement i get it tells me i may call and speak to XXXX different people, which they will never speak to me, because again its in litigation. I called mu real estate lady and asked her if maybe we could try for a short sale. they would not speak to her either. in between i have called and called and never received any paperwork. they have my new address since XXXX. the last letter i emailed told them i never have gotten any paperwork and i do n't have a lawyer, so if anyone states they represent me its fraudulent, also that they have an incorrect address on the mortgage paperwork. also i had a bankruptcy several years ago that took away a home equity and XXXX mortgage with same company XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 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:
My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Husband received Loan Modification for Mortgage XX/XX/XXXX. Husband died XX/XX/XXXX. I filed for Hardship and received constant delay tactics. I tried to pay off Mortgage Loan by sending {$160000.00} to offset the loan and get it to an amount that was affordable since I had not received permanent notification. When I received an amount for the hardship, the amount was higher than the original amount. Tried to get this matter resolved especially since I just paid against the Principal of {$160000.00}. So, I requested to keep the mortgage amount where it was originally since the modification did not work. GreenTree stated that the large amount was due to taxes, but My husband is a XXXX Veteran and XXXX. explained that the valuation of my property decreased so the taxes are less. GreenTree reported derogatory information against my credit report. Very distraught how the family of a XXXX Veteran is treated by GreenTree. I provided them with {$160000.00}. to get the loan paid in full, and continued harassment. The original signed loan agreement for the modification from my husband indicate that the amount in deferment may be due or paid when the Property is sold. I should just be paying taxes on the property and nothing else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Dream Center Education Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX ( XXXX, Ga ) is a for -profit school that is holding my transcripts hostage for what they claim I owe {$3900.00}! I attended this university in good faith for XXXX years until suddenly I " maxed out '' my financial aid. Now, it 's kinda odd that this would happen when I 'm XXXX credits into my XXXX credit degree program, but I 'm not the only one this seems to happen to. This school is STILL trying to make a profit off of me even though I could not pay out of pocket to continue my education with them. They are now preventing me from moving forward with my education and are hindering my quality of life!

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 2017-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I submitted a partial payment of {$1400.00} to be applied to my mortgage payment. The money was placed in a " Suspense Account ''. I qualified for a loan modification and after the modification was complete, the money in my " Suspense Account '' was robbed from my account and reclassified as " Eligible Servicing Fees ''. As I understand from the holder of my loan, XXXX XXXX, no fees should have been charged nor should my " Suspense Account '' have been depleted for such fees. XXXX XXXX and Ditech have both received the same documentation. Please review my claim and contact me if you need additional information. 
Thank you for you attention to this matter. 
Regards, XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
i have a payday loan which went into collection agency XXXX,XXXX XXXX XXXX, XXXX , XXXX XXXX, acc # XXXX, monarch file # XXXX.orignal debtor was XXXX XXXX, XXXX check cashing. i settled this debt with them on XXXX/XXXX/2011 and they send me settlement letter. now another debt collection agency debt recovery solutions, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, acc # XXXX is trying to collect same debt from me.they placed the debt on my credit file. i tried to reach out to them but no solution.please help. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I refinanced/modified the mortgage on this property back in 2012. Greentree approved the refinance which was based on making 3 monthly payments which were completed and on time. I received a congratulations letter that my refinance/modification was approved. Subsequently 30 days later I received a follow up letter from them saying they never received a signed document I was suppose to mail back to them. However, there was no such letter ever sent to me that required a signature. I requested them to simply just fax or send me the letter to sign and I 'll get it right back to them. 

They declined and made the mortgage due in full and rescinded the refinance approval. After many attempts they agreed to have me submit a new application. Using all the same information since nothing changed they declined this one of course. From what I have found out this is a scheme to steal homes and is fairly common with companies like this. This action by that company cost me my family, my house and everything I worked over 20 years. I 've contacted over 20 people at the various companies most likely involved in this fraud and they all hind behind their XXXX dollar desks. If the investment company ( Ditech, Greentree, XXXX XXXX, XXXX Investors or whoever ) would like to come out of the shadows and speak with me regarding correcting this wrong before if must go to court and media. As a result of all this the house was foreclosed on this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 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: Dream Center Education Holdings
State: VA

Complaint narrative:
I am writing this through the CFPB so there is record of this communication. I am claiming this debt is not one I owe and I will go to court over this appears on my credit, I am already taking the credit agiencies and XXXX companies to court and I doubt my lawyer will turn down adding XXXX more company. There are XXXX reasons I do not owe The Art Institute any money, the first reason is that I withdrew from the college within the time frame allowed to cancel a contract making it void and the second reason is that The Art Institute never informed me that they were closing schools down due to lawsuits and even under investigation for the same degrees they offered at this school. Is it not the duty of an institution like a for profit college when they are closing schools for a degree I was going to attempt. I never received a single bill from the Art Institute notifying me that I owed anything or I would have tried to deal with them but now I am dealing with you since you are representing them. I will have no give in this issue, drop it for the reasons stated or we go to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Bureau of Lancaster County, Inc.
State: PA

Complaint narrative:
I have tried numerous times to contact the collection agency. I have been hung up on while speaking. They refuse to work with me even after providing evidence of payment. The amount owed is incorrect and should only be {$19.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My home flooded I paid for the repairs Insurance company put mortgage co on checks They refuse to release money so I ca n't pay my bills Mortgage They need to refund all late payment s and release my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
DiTech prolonged the process to increase the origination fee to maintain the interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 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: I.C. System, Inc.
State: FL

Complaint narrative:
I had power with XXXX in New York when I sold my house. I paid the bill on time and 12 months later I reported to the credit bureas by a collection agency. After sending numerous letters and calling XXXX many times the collection was removed. No 11 months later the same account appears again from a different collection company. Same account. Same amount. This was already removed from the bureaus and should not be put back on when it is removed per dispute. I am trying to refinance a loan and this is causing me to have to pay higher fees & interest rate. 

I have already contacted the credit bureau and ask that they remove it as well. You should n't allow collection agencies to abuse on people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
My mortgage servicing was sold from XXXX to Green Tree Servicing LLC. If you want to make a timely payment ( within XXXX hours ) to Gree Tree, you can only do it by XXXX, XXXX XXXX, or pay by phone. All of those options will cost an ADDITIONAL fee. Green Tree Servicing LLC delays bank to bank transfers for XXXX business days which causes late fees. Our mortgage is underwater and we ca n't re-finance to get away from this company. We are trapped. This is an unfair collection practice that takes advantage of people that ca n't afford to go anywhere else. They are charging additional fees on top of the high mortgage payment that people ca n't re-finance or get lowered, creating additional hardship on homeowners that are already struggling to make payments. Also they do NOT provide any information on the loan other than the past payment breakdown. I have no way of knowing what my outstanding principle balance, escrow balance, outstanding late charges, interest rate or taxes paid to date are based on looking at my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I spoke to the original company with DEBT and they said that the TRADELINE HAS been DELETED for that supposed debt. According to the original debt company the TRADE LINE was already deleted and no one after that should be contacting me that I owe a debt. When none of the information on file for that debt collector for me was inaccurate. But according to DEBT RECOVERY SOLUTIONS IN NY, I still owe the money to the original debt company. I told them I found out about the debt bc I am getting ready to buy a home and the individual from that company told me " I WILL NOT BUY ANYTHING TILL I PAY THEM OFF FOR THIS DEBT '', the individual that I called was harassing me bc I will not be able to buy the home am looking to buy bc of this debt. He also told me that he knows what happen bc I did not know the address he had on file for this debt, he was saying that I did all of this and that he already heard all the excuses so that whatever I said was not true at all. When I told him I was not even in the state during that time frame of the debt and not to mention the address they have on file I do not even know. I forwarded DEBT RECOVERY SOLUTIONS the letter from XXXX the original debt company that the TRADELINE has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Green Tree Servicing Company paid my Real Estate Tax in the amount of {$4600.00}, but I am part of the Long Term Occupancy Program for City of XXXX, and my Real Estate Tax are {$1600.00}. I contacted Green Tree to inform them, because they increased, my mortgage payments based on this transaction. I informed them of the Long-Term Occupancy Program, and they should follow-up for refund. This was not done, so I called the City of XXXX and was informed all Green Tree has to do is submit a Refund Petition with copy of the cancelled check and the City of XXXX will refund the money to Green Tree. Therefore, Green Tree has over charged me {$2700.00} in additional payment to my mortgage, because their negligence has affected my escrow account. I have called Green Tree for the last XXXX - XXXX months to try and resolve this issue with no satisfaction. I have put my concerns in writing, and it is like I am talking to the wall.

Company response to consumer: Closed with monetary relief