vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I represent a family in Ohio whose mortgage was a XXXX mortgage, then owned by XXXX XXXX XXXX, and now Green Tree Servicing, LLC, or Ditech Financial, LLC. The mortgage was wrongfully foreclosed to begin with, but despite the Stipulated Entry between CFPB and Green Tree, Green Tree has made no effort to put a hold on the foreclosure proceedings, even though the family 's mortgage falls within the date range of affected mortgages. The family had a loan modification agreement with XXXX XXXX XXXX which they executed right before the mortgage was sold to Green Tree. Also prior to the mortgage being sold to Green Tree, the zone in which the house is located was re-zoned and the property taxes on the house increased significantly. The family entered in to an agreement with the County Treasurer to pay the taxes in ten installments. Despite their agreement with the Treasurer, XXXX XXXX XXXX stepped in without any prompting on the family 's part and paid the entire balance for the property taxes, rather than the smaller payment the family had originally contracted for. The money was added to the family 's escrow account and the monthly mortgage payment, too, increased significantly. Next thing the family knows, their mortgage is sold to Green Tree and their checks are being returned stating that the amount on the check is not enough to make a payment and the late fees started adding up at this point. This all occurred despite the fact that the County Treasurer sent a letter to Green Tree telling them of XXXX XXXX XXXX 's mistaken overpayment of the taxes. Eventually, Green Tree began foreclosure proceedings. This has gone on for the last eight months despite the Stipulated Entry between your agency and Green Tree. Green Tree 's lawyer is actually the person who relayed the Stipulated Entry to me, so it is obvious that they know that this exists. The problem we have right now as the end of the case nears as the trial date gets closer and closer, is enforcement. How can an Ohio Court enforce a Federal consent order? Green Tree knows that it is subject to the terms of the Agreed Entry, but has willfully chosen to proceed, rather than stay the foreclosure in order for my clients to go through an investigation and loss mitigation options, such as a loan modification, which they are currently completing the application for. However, if the mortgage is allowed to be foreclosed upon, it wo n't much matter whether or not they are approved for a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: KY

Complaint narrative:
I paid Greentree Servicing, LLC XXXX payments in XXXX and XXXX after my loan was up because a rep. with their company told me if I made the payments I would be fine nothing would happen. Then they mailed a paper dated XXXX/XXXX/15 saying I owed a balloon payment owing them {$2400.00} and then they turned around a day later I received a certified letter I signed for on XX/XX/XXXX saying that I owed {$3000.00} and that letter was dated XXXX day later on XXXX/XXXX/2015 so it went up {$570.00} plus a {$5.00} late fee was added into that how I dont know? Then on XXXX at XXXX I spoke with XXXX XXXX and we cam to an agreement settlement that if I paid them {$6100.00} that my account would be paid off in full and I told her I wanted documentation that it would be and she refused to send me anything. So finally XXXX XXXX XXXX sent a letter saying if I sent a certified check by to the XXXX it was paid in full. I asked XXXX XXXX if I could deduct the checks from XXXX & XXXX and he said XXXX XXXX we have had a good relationship so far and if you deduct those amounts from the money or stop payments on any checks we WILL have a problem.Now today XXXX/XXXX/2015 I get a letter in the mail from XXXX XXXX saying my account will be paid in full when I send {$500.00}. I have XXXX payments missing from my account payments and I found XXXX of my check registers and XXXX of the payments was over {$900.00}. How is this company still in business. They said I owed them money because I had late payments but looking at the statement they gave me its all under XXXX days except a couple was XXXX days and most was XXXX days and they can put in willy nilly. They have law suites for holding payments to charge interest. I added the spreadsheet ( because thats all it is ) and the columns dont even add up. If you make an agreement and its in writing how can they turn around and then tell me I owe {$500.00} more. I 'm on XXXX with XXXX kids and they know that. Please help.

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: UT

Complaint narrative:
My mortgage through Ditech was paid off XXXX/XXXX/2016. My remaining escrow balance owed to me is {$3000.00} and I still have not received my funds. Most all mortgage companies ACH the escrow funds to their customers within XXXX to 5 business days. Ditech stated they only mail out checks and ca n't do ACH or wires. XXXX/XXXX/2016 and I still have not received a check of the money that is rightfully mine. I have stated to them multiple times through phone calls and online the time frame they have held my money is absolutely unacceptable as I have liabilities to take care of for my family. I know for a fact they have my correct address as through their online system I have filed complaints to see where the check is. The generic system responses have been mailed to me which tells me they have the correct address on file. I have also followed up with Ditech 's reps over the phone. Ditech is making interest off of my escrow and holding my funds for whatever reason and I fear they 're most likely doing this with other clients as well. I need to receive my escrow balance owed to me. 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 2015-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Green Tree consistently sends me mortgage statements that are inaccurate. The monthly mortgage payment due ( reflected on statement ) varies every month even though I have a fixed mortgage. I am set up for biweekly recurring payments. The payments have always been deducted on a timely manner but the statements do not always reflect payment activity. The last statement I received indicates that I have a past due amount ... ..even though all of my payments have been drafted each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I am filing a complaint against DiTech Mortgage Company/Greentree. XX/XX/2015, I returned home from a visit with family and my locks were changed to my home and a written notice stated that XXXX XXXX had performed this action, due the property being abandoned. I was paying my payments just one mo. behind and I had contacted the company and stated when I would make the payment, no one mentioned the action by the XXXX XXXX before they came out. When the company was contacted by me, I was told I needed to pay over {$2000.00}. to get current and no more action by the XXXX XXXX. After I made the payment, the XXXX XXXX. came back again in XXXX 2015, with notices stating winterizing my home. I contacted an Atty. who contacted DiTech by certified letter but Ditech failed to respond. DitTech charged me fees for the XXXX XXXX coming to my home, claiming that they did repairs. My mortgage payments increased. I do not receive payment statements. I call and pay the mortgage by phone. Ditech sends me advertisement for a modification loan and/or reverse mortgage. I am still paying but I am struggling to stay current. 
2.Desired Resolution : 1 ). Respond to my Atty., answering the questions addressed in the letter. 2 ) Do not send the XXXX XXXX to my home, again. 3 ) Send me monthly statements 4 ) Do not raise my payments for at least another year. 5 ) Take off the fees that I was falsely charged by the 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 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
My wife was laid of in XXXX of XXXX and we applied for a loan modification through our mortgage company, Ditech, in XXXX. All documentation was received and cleared by them in XXXX of XXXX. We were instructed by Ditech that it would take approx. 60 days to review the information and get back to us with the decision. It is now XX/XX/XXXX and I have called Ditech many times with no resolve. Each time I have called a representative states that it is still being reviewed by underwriters and to call back next week. This is until last week on Friday XXXX. I have called 3 times and it does not connect me with or give me any option to talk to a live person but directs me to a voicemail. I have left XXXX message and have not been called back with an update of the status. At this point, due to financial constraints we are substantially behind in our mortgage and need help with no support or resolution in site. Please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech took over as the servicer of my loan in XXXX 2016. When my first 2 payments were sent electronically to them they placed them in the wrong account. One payment was moved to my account but the other one has not been moved and it has been 6 months. I call every 2 weeks and speak to a representative or supervisor who says the payment will be reallocated to my account by the following week and it never does. I never get a call back from anyone who said they would call me back. I needed to have them remove my phone number from their system so their automated system would n't call me to tell me my payment was late. They also send me letters that say my account is late although it is not - it is showing as late in their system because my previous payment has not been moved into my account. This was an error in their system and as a consumer I should not have to wait over 6 months to have it resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 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 loan that is six months old and serviced by Green Tree Servicing LLC. I have had nothing but problems with this company. Now they have issued my insurance premium to the wrong insurance company as of XXXX. I switched insurance carriers in XXXX, more than enough time for Green Tree to update my escrow account. They 're customer service is horrid and yields XXXX results. 

They also drafted my XXXX XXXX payment on XXXX XXXX which ignited another nightmare round with they 're lousy customer service who could n't explain why my XXXX payment would be drafted two weeks early. Needless to say the people on the phones could care less and I suffered the consequences of overdraft fees incurred by this event.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
PayPal Inc. improperly placed holds on my PayPal Account. The company improperly handled disputed transactions and placed holds, reserves or limitations on my accounts without notice. PayPal failed to inform me about the type of activity that triggered the account freeze. Further, the company failed to provide me with an opportunity to remedy the situation and avoid holds being placed on my account in the future. Moreover, after sending the company the verification requested, PayPal continue to place frivolous holds on the account. 
1. On XX/XX/XXXX the company placed a hold on the account allegedly due to seller risk. ( See : Ref. ID # XXXX ) All the required banking and personal identifiable information was sent to the company. 
2. On XX/XX/XXXX the company placed a hold on the account and requested me to verify my identity and company information. ( See : Ref. ID # XXXX ) All the required banking, business and personal identifiable information was sent to the company. 
3. On XX/XX/XXXX the company requested verification once again. ( See : Ref ID # XXXX ) All the required banking, business and personal identifiable information was sent to the company. 
On XX/XX/XXXX the company placed a hold on the account and funds for 60 days requiring me once again to verify my identity and business information.. ( See : Ref ID # XXXX ) After the continued account harassment and unprofessional encounters via telephone with employees of the company, I requested PayPal to close the account and the company refuses to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: DE

Complaint narrative:
" This complaint is related to the Fair Credit Reporting Act. 

My Ch. XXXX bankruptcy was discharged in XXXX 2015. The Trustee notified my mortgage company ( Greentree ) in XXXX 2015 of the discharge. Greentree mortgage merged with Ditech mortgage in 2015. In XXXX 2015, my attorney sent copies of that discharge notification to both Greentree and Ditech. 

Ditech continues to report this account as an account in active bankruptcy. 

I have spoken to multiple representatives regarding correcting this. ( XXXX/XXXX/15 XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX ) I have been told that XXXX XXXX ( id XXXX ) & XXXX ( id # XXXX ) have been working on resolving this matter. I have left XXXX messages for their Manager XXXX XXXX. To date, I have yet to receive a return phone call. 

Can you assist me in resolving this inquiry to have the Ditech report this correctly to the credit reporting agencies? ''

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 2015-10-01 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Resurgent obtained the right to collect on our mortgage. On XXXX XXXX, Resurgent agreed to release the lien within 30 days after we sent them {$5700.00}. They have not released the lien. On XXXX XXXX, they said that I had to pay them by XXXX XXXX, or the deal was off and I would have to " renegotiate '' with them. When I tried to explain that the cashiers check had to come from Florida and be mailed to them, their representative, XXXX, raised her voice and harshly let me know that was the final word. I told her that I would get the check to her as soon as I received a letter committing that the payment was payment in full and the lien would be released within 30 days of receipt. On the XXXX, we had received nothing. We called every day and were continually assured by both XXXX and her supervisor XXXX, that the letter was in the mail. On the XXXX, I spent money I did n't have to get an online fax account. On the XXXX, XXXX faxed me a letter which met my criteria and I put the check in the mail. They received it on the XXXX of XXXX. On the XXXX of XXXX, I received the letter from them which bore the date of XXXX XXXX. The letter had been franked on the XXXX and accepted by the post office on XXXX XXXX. I think the letter was backdated and they intended for me to get the letter after the XXXX so they would have an excuse to demand more money. Alternatively, if I had been foolish enough to send the check without their written commitment to accept it as payment in full and release the lien, they could have demanded more money. The letter states that the paperwork will be sent to me but Kentucky law states that original paperwork has to be sent directly to the county clerk 's office, with copies to me within 30 days. I did not know that at the time, but I do not think I am responsible for telling them their legal obligations. I called them several times today trying to straighten this out. XXXX was surprised today when I told her that Kentucky required the original paperwork be sent to the Clerk. XXXX finally told me she would look into it and told me she would call. I waited 15 minutes past the time she said she would call and then called her. She was at lunch. Her supervisor has been " in a meeting '' all day. This is typical of the way this company operates. Tomorrow I will send them a copy of applicable Kentucky law along with mailing and contact information for the XXXX County clerk here in Kentucky. Please incentivize them to end their coffee break and do their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I sold my property 2 years age and paid off the loan serviced by GreenTreeServicing LLC. They continue to report that I have not paid the loan and that I still owe on it, when it was clearly settled. This is affecting my credit reports as they are being non cooperative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
Ditech mortgage will not update my account and I can not make my payment. If I do, they will not apply the money to my account, but will instead hold it in a separate account. I contact them every month through my account and they have never responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
In a nut shell. Initially I was with XXXX. Now they switched me to Greentree. XXXX solicited me to refi for a lower mortgage rate. Instead of doing that they force placed flood insurance on me started taking over paying my taxes and homeowners policies and demanded an extra {$1200.00} a month for an escrow account upon which they were not contracted to do. I have submitted all proof from FEMA since 2008 that I do not require flood insurance but they did not care. They began pre-foreclosure on my home, despite the fact I have not had a late payment with them in years. I have since paid legal fee 's and mortgage rescuer fees in addition to the {$1200.00} they demand for escrow. Not of this makes sense and they refuse to reply to anyone including my attorney who has all the paperwork. His name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXXYou can also contact my Insurance agent XXXX XXXX from the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 's XXXX. Despite the Class Action Lawsuit lost against XXXX they continue to try stealing my house from me, ruining my credit and XXXX every last penny out of me. Thank you for your help and consideration.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
The collection agency did not send me written statement about XXXX different accounts. Recently, they reported the debts to the credit reporting agencies without ever calling or writing. In the first case, they spoke with me about the dates of service but would not send me anything in writing, so I called the hospital who could no longer provide a statement to me since they turned over the file to the collection agency. In the second case, they simply put it on my report. Reading my credit report should not be the first time that a person finds out about their bill. At the time I was a sliding scale patient at the hospital and had obtained a financial hardship from the Afordable Care Act.

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 2016-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
Ditech has not paid my town taxes from my escrow account, I have over {$3000.00} due and have had a open claim under investigation since XXXX. Have spoke. To XXXX seperate supervisors, XXXX and most recently XXXX

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