vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I found a derogatory account from Ditech on my XXXX credit reports from XXXX, XXXX, and XXXX. The account does not belong to me and I have never had any accounts with Ditech. I called the company on multiple occasions during XXXX 2016 to asked about the reporting details of the account. I provided my full name, social security number, birth date, and current address to multiple representatives and supervisors. They all claimed that they could not provide me with details of the account if I could not provide them with the address of the derogatory entry. I replied that there was no address reported on the credit report entries. I informed them that I had provided enough identifying information for them to confirm my identity and tell me the current status, history and balance details of the alleged debt. They all still refused to give me details and it went so far as to have a representative, XXXX, on XXXX XXXX, 2016, tell me that it was against the law for her to give me details of the address and balance of the alleged mortgage account. I asked her to cite the specific law to which she was referring and she could not respond with the specific law. I then told her that I was disputing any ownership of the account per my rights to accurate credit reporting under the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ). She replied that FCRA required all disputes to be in 'writing. ' I replied that this was not accurate and that my verbal dispute with Ditech was sufficient. I asked her to cite the section of FCRA that required disputes in writing and again she could not do so. I then spoke with her supervisor, XXXX, and disputed ownership of the account and also indicated the contradictory reporting of the account between the different credit bureaus. She said that I would have to file an 'identity theft ' report with the police to have the account delete. I replied that I was not sure if identity theft had occurred, only that Ditech was erroneously reporting the account and that I was contesting its accuracy and asking o have it removed in accordance with FCRA and Ditech 's inability to verify it, along with their misreporting. The account shows a XXXX mortgage that was foreclosed on, but is currently in collection and has an outstanding balance of {$81000.00}. This is contradictory. How could a balance be outstanding and charged off on a property that was foreclosed on. This is allegedly a XXXX mortgage, so no balance would be outstanding post foreclosure. Nevertheless, she insisted I would have to file an identity theft report. I replied that I would not and that Ditech must removed this inaccurate entry or I would file suit in small claims court for violations of FCRA. XXXX replied that I would need to proceed along these lines.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I sold my current house an paid my loan off to Ditech. The title company ended up sending the check to the wrong address causing the payment to be XXXX days. I was n't informed till after the XXXX days that they did n't receive the payoff. I am now trying to close on my new house and ca n't because of the XXXX day late they refuse to remove that was n't my fault. The title company sent it to the wrong address they provided. I am now paying fees for my current builder to continue to hold home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
This would be our THIRD complaint issued against Green Tree Servicing LLC ( " GT '' ) - now diTech. Following the transfer of our loan to GT we issued XXXX previous complaints with your bureau due to GT 's harassment and illegal deceptive collection tactics, etc. and their failure to provide accurate accounting information regarding our mortgage account. Following the previous XXXX complaints, GT did issue a letter ( XXXX/XXXX/XXXX ) providing the accurate account information as being current ( attached as Exhibit " A '' ) and finally provided the acct balances info, i.e. principal, interest, escrow, etc. we had REPEATEDLY requested. Presently, we have been approved for a new loan which would SUBSTANTIALLY lower our interest rate from the current GT-Ditech 5.875 % rate. The new lender requested verification that our last 12 mos. payments on our GT-Ditech mortgage have been timely which of course they have. However, because of the inaccurate and FALSE information provided by ditech to our new lender regarding the history of our mortgage account insisting that we have been " seven times late '' when in fact this is completely FALSE and inaccurate as evidenced by the attached documents under Exhibits " A '' thru " D '', we have been unable to close on the new loan. The attached Exhibits prove that GT-Ditech 's information is FALSE because our account in fact has been, and is current as each and every payment made on this account has been TIMELY going back to even XXXX/XXXX/XXXX when GT issued their letter confirming the account as " current ''. We contacted Ditech on at least XXXX separate occasions on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in an attempt to correct the information. The first representative did n't understand our account and provided wrong information and refused to transfer us to a supervisor. The second and last representative ( there have been MANY ) to whom our account has been " assigned to '' after we explained the situation and that we just wanted the accurate information provided so we can pay off the loan and close escrow with our new lender - said " there was nothing he could do about it '' and hung up. Ditech 's actions appear to be INTENTIONAL so that we are OBLIGED to keep our high interest bearing loan with them all for THEIR financial gain and OUR financial detriment. PLEASE HELP!!! Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: RI

Complaint narrative:
I enrolled in a bi-weekly auto payment program service provided by the mortgage company that services my mortgage, Ditech. The first withdrawal was to begin on Thursday, XXXX XXXX, 2016. Ditech began withdrawing payments one week early on Thursday, XXXX XXXX, 2016. This caused a serious financial problems for me as I live on a very tight budget. I had already committed that money that Ditech withdrew a week earlier than promised to other creditors. This resulted in bounced checks and serious financial hardship for my family. 
I contacted Ditech on Friday, XXXX XXXX, 2016 to inform them of their error. I was promised that the money would be returned to my account in 3-5 business days. The Ditech associate could not explain why the Auto-Pay error had occurred, but had promised me that the money would be returned immediately. 
On Friday, XXXX XXXX, 2016-five business days later- Ditech had still not refunded my money. I immediately contacted Ditech only to be told that paper work had not been submitted on XXXX XXXX as promised, but was submitted on Monday, XXXX XXXX and that my money would be in my bank account by Monday, XXXX XXXX. Ditech did NOT deposit my funds. 
I called Ditech on Tuesday, XXXX XXXX for an update on the status of my refund. I was told that paper work was submitted and that I would have to be patient. I explained to Ditech associate that I have been patient for XXXX days and that their mistake has caused me serious financial hardship. I was told that " there is nothing that can be done you need to wait for your money and that everyone makes mistakes. 
It has now been two weeks since Ditech has taken my money, promised me a resolution within 5 business days and refuses to offer an excuse or my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Acct # XXXX Ditech mortgage. I mailed my payment XXXX/XXXX/15 to address that is on my payment coupon Ditech XXXX. XXXX XXXX XXXX, California. XXXX. I received letter from them on XXXX/XXXX/15 stating they had not received my payment. Call Ditech XXXX/XXXX/15 to get automated service according to them check received XXXX/XXXX/15. I also checked bank account that check # XXXX was cashed in XXXX/XXXX/15. Called XXXX/XXXX/15 was told by XXXX said she was located in XXXX that payment was not posted until after XXXX/XXXX/15 that is why I received letter. I called back XXXX/XXXX/15 hoping for a better explanation. To get same answer sorry your payment was not posted before XXXX/XXXX/15. I am not satisfied with either answer. How can there automated service say they received it and my bank so it was cashed 8 days before they mailed letter. All numbers from Ditech all go to costumer service so there is no one else to speak with. This company use to be Green Tree and only changed names a few months ago. I am in California and they are in XXXX XXXX, SD. They used my money for 8 days before it was posted? I can not do computer payment! No personal computer use of neighbors when she is home. Thank you XXXX XXXX. XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ECMC GROUP, INC.
State: IN

Complaint narrative:
I just got out of the XXXX XXXX XXXX 2 months ago had no idea about taxes i owed to XXXX. XXXX tax sold my debt to a debt collector ( Premiere Credit of North America LLC ) I have mad multiple attempts to pay this dept with this company I have called multiple times and left a message. This dept have resulted in interested being added and having a warrant out for me as well a tax lien. I have the funds to pay but can not make contact this is unprofessional for a debt company and each day that passes more interest is added. I am trying to pay and this has had major impact on my credit.

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 2016-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
XX/XX/2016, I initiated a HARP loan application with my current lender Ditech. I was informed that I needed to provide homeowners insurance and sign the necessary disclosures to move forward with my application. XX/XX/2016, I received an email from the title company informing me that I had a judgement on my title report that would need to be cleared up before or at closing. XX/XX/XXXX, I also received a call from my lender advising me that my loan had been forwarded to their legal team for review. Apparently when I closed on my loan with Greentree, they cancelled my deed of trust from when I purchased the house, but forgot to record the new deed of trust. I was told at that time not to worry they would get everything cleared up. XX/XX/2016, I paid off the judgment on title. I forwarded the information over to my loan processor. XX/XX/2016, I was told by my loan processor that we were pushing to close my loan by the end of the month. One minute the loan processor told me the title company had everything they needed to close my loan, and later she switched it to say she had to resend the information. I reached out to the title company to see if they would give me a status on my loan and was later contacted by my loan processor indicating that they could not add the mortgage sent over by my lender because it had already been released. My lender is now ignoring all of my emails to them regarding a status on my loan. My lender did not record the deed of trust on my property, so I have an unsecured note.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have been making bi-weekly payments that included extra funds to be applied to principal on my loan for about 1 1/2 years. In XXXX 2015 I received a check for {$640.00} from Ditech for escrow disbursement. Upon reviewing my account online I found where Ditech had applied my extra payments to escrow XXXX, sometimes XXXX in a month, instead of correctly applying the extra payments to principal. I have contacted Ditech with my findings and have repeatedly been told that there was no issue and that the multiple payments to escrow was legal. Once again, they sent me a check for funds that SHOULD have been applied to principal and reduced the interest charged to me. They refuse to acknowledge their error, despite the check copy that clearly shows otherwise. I have downloaded all of my data from their website that clearly shows this yet they refuse to correct. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 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:
Through the attached communications I am slightly confused by who is the correct person and/or agency to answer the questions that I have concerning the loan and thus, I am forwarding to CFPB to get the answers to the following questions : 1 ) confirm that the ECMC added " collection cost '' fees are payments that they are requesting be made for the skip-tracing tactics that you used to collect the debt including calling references and those not listed as my references in the original loan? 2 ) why would Navient, and not ECMC be able to answer the question in regards to how ECMC defines what the collection cost ECMC is charging in the prior email? 3 ) What is XXXX current role in regards to the debt ECMC bought from them? 4 ) Is the collection charge instituted from ECMC or is it from XXXX? 5 ) Should all questions and concerns be sent to them? 6 ) Does that mean that arrangements can be made with them and not ECMC, are they considered to be one in the same?

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 2015-12-29 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: 4M Collections, LLC
State: CA

Complaint narrative:
Discovery Financial is trying to collect form me XXXX XXXX. I was only an authorized signer on account. My father XXXX XXXX was the actual account holder, he is the only one that signed up for the account. Ive tried numerous times to get Discovery financial to send me a copy of the SIGNED application. They can not provide it. They can only provide a bunch of statements where I did make the payment or signed for tire changes or things of that nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
We are conscientious consumers who appreciate this process for clarifying and hopefully correcting errors found on our credit report. We recently went to have our credit reviewed, and we were pleased to learn that most things were handled correctly with a few exceptions. XXXX such exception, to our surprise, was Green Tree Servicing. Our original loan was established in XX/XX/XXXX, with XXXX XXXX XXXX. 
As described in other complaints against other mortgage companies, we lost employment due to layoff. We continued making payments on all accounts until XX/XX/XXXX, at which time we notified all lenders that we were unable to continue payments. At the time, our FICO score was XXXX ( see attached ) ; we hoped that we had proven ourselves as good customers and could work with lenders in good faith. Unfortunately, lenders advised us to let our accounts go " 3-months delinquent '', then they could help. The only thing that accomplished was to have our FICO score continue to go down. We contacted XXXX ( Federal National Mortgage Association ) and was assigned an analyst. We submitted all paperwork requested including an income and expense form, a list of all lenders and authorization to pull our last two-years of tax filings. After reviewing our submissions, the analyst concluded that we were eligible for " Deed in Lieu '' of Foreclosure for the mortgages. Green Tree was notified, and we went forward completing and having certified all of the documents they sent us, and we returned the documents along with the keys to the property. 
According to information on our credit report, the " Deed in Lieu '' final document was recorded XX/XX/XXXX. A copy of the form has been attached. However, Green Tree did not complete the paperwork that would show the XXXX balance on our credit report ( attached ). They appear under " Derogatory Tradelines '' as reported " XXXX '', and the account shows as a " Closed/Foreclosure ... '' Contrary to the zero balance shown under Property History, this form shows a balance of " {$92000.00} ''. 
For clarification, my husband is the veteran.

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 2015-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I have been working with Green Tree Debt Collectors about my mortgage payments. I agreed to receive phone calls on my cell phone and at work to talk with them, but the representative 's behavior this afternoon on the phone was rude, abusive, and inconsiderate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech Financial LLC took over our mortgage from Greentree Servicing. We fell behind on our mortgage last year and applied for a modification. We were behind in our mortgage {$3000.00}, and were applying to reduce our payments. The modification we were presented reduced our mortgage by {$60.00} per month, but Ditech added {$51000.00} to the principal. We agreed because we did not want to lose the house, a poor decision on our part, and are now falling behind again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Bureau of Lancaster County, Inc.
State: NJ

Complaint narrative:
I was notified by my credit company that my credit score had dropped. I checked my credit report and saw that I had a collection agency report. I was never notified of the debt, never given a chance to dispute it or to give my insurance information. Lancaster Collection alleges that they do n't have my info but they were still able to place it on my credit report. They could have gotten my address and phone number ( same number for XXXX years ) from my credit report. When I called they said it would take XXXX days to remove this from my credit report!!!! I was never given a chance to stop it from going on my credit report. I am suffering damages each day my credit score is artificially lower. Car insurance renewal, credit card companies evaluating me for offers or lowering credit limit thus increasing my debt ratio. This is terrible that they have the power to do this without speaking to me first!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Ditech Financial LLC
State: MA

Complaint narrative:
Ditech Financial sent me a bill which I disputed. I requested verification in writing. Ditech could not verify the debt. 
Ditech has made false statements to credit reporting companies. Payment dates are given that are false in an attempt to prevent negative information from aging off my credit report. 
Ditech continues to contact me in writing despite my specific instruction not to after debt verification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech Financial paid someones else 's real estate taxes from our escrow account back in XXXX XXXX. I caught the mistake on XXXX XXXX, XXXX. I have spoken with representatives of Ditech on multiple occasions as well as sent a letter outlining what happened and requesting that the monies be returned to our escrow account. Ditech 's error has caused our escrow account to be deficient and our monthly mortgage payment was increased to make up for the deficiency. My last call to Ditech was on XXXX/XXXX/XXXX. I was told to leave a voicemail message for the supervisor XXXX XXXX outlining the reason for the call and was assured that he would call me back. I have still not received a call back nor a credit to my escrow account even after numerous demands. A Ditech technician that I talked to on XXXX XXXX, XXXX advised that per the notes on my account that it has been scheduled for XXXX XXXX to be resolved. That would be 10 months after their error and 6 months after my first demand. We just want the money put back into our escrow account by Ditech, They then can pursue whatever remedies they have against the person that they are trying to collect the money from. We should not have to pay for their error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation