vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Green Tree Servicing acquired our mortgage from XXXX in early XXXX, 2015. I paid off the mortgage on XXXX XXXX, 2015 via certified check. Green Tree Serving acknowledges that it was paid in full and advised that they prepared a Satisfaction of Mortgage in XXXX and forwarded it electronically to the XXXX County Clerk 's Office. I inquired with them and they advised that it was not received. I reported this to Green Tree and they advised that they sent it again in XXXX. I inquired with the County Clerk on XXXX XXXX and was advised that it still had not been received. I contacted Green Tree daily from XXXX XXXX to XXXX XXXX via telephone and fax and received a different explanation for what was going on each time I called. On XXXX XXXX, I spoke to XXXX at extension XXXX and he advised that he would look into it and return my call by XXXX, XXXX XXXX. On XXXX XXXX XXXX, I called and was told that XXXX was unavailable but the " notes '' on my loan indicated that he sent the satisfaction for filing that day. On XXXX XXXX, I called the County Clerk 's Office and was told there was still no Satisfaction on file. I called again on XXXX XXXX, and I asked to speak to a supervisor but was transferred to the same " XXXX at XXXX '' and I had to leave yet another voice mail. I called back after I left the voice mail and this time I was advised that it was sent out electronically on XXXX XXXX. I called the County Clerk on the morning of the XXXX and was told that it still had not been received electronically as Green Tree indicated. XXXX XXXX XXXX advises that when documents are received electronically, they are filed immediately. On XXXX XXXX, I called Green Tree again and was told that they would " submit a request '' for me and that someone would call me back. I explained that when I called on XXXX XXXX and spoke to XXXX, he said he would call me back and I still have not received a call or an actual explanation as to what the problem is. The customer service rep transferred me to XXXX again, so I left another voice mail. This is completely insane. They have 30 days to file my satisfaction, not three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ECMC GROUP, INC.
State: GA

Complaint narrative:
I have sent many disputes to the Credit Agencies and to ECMC in regards to the XXXX accounts that they are inaccurately reporting on my credit file. I have informed them many times that these accounts do not belong to me. I contacted the Credit Agencies and they stated that ECMC verified that these items are accurate. But it is ironic how ECMC will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from ECMC. Not to mention, these accounts are still reporting on my credit file. I need your assistance in getting this matter resolved.

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 2016-05-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Made an electronic payment to Ditech Mortgage on XXXX XXXX 2016. My banking institution shows a payment yet on XXXX XXXX my Ditech account still does not show the payment received. Ditech customer service says it may be processed later today. How many days do they need? They are the worst mortgage company I have ever dealt with. I have XXXX other mortgage companies I deal with ... no problems at all with the other companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I claimed bankruptcy almost 7 years ago. XXXX XXXX XXXX and XXXX will not accep. The discharge and have been affecting my credit score for years. Now Ditech has taken over the mortgage. Bankruptcy discharge. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
I have an account with Green Tree/Ditech. I 've been paying this mortgage for 17 years. In XXXX 2015 I received a check from GT/Ditech. The statement read the amount was not enough to reinstall the loan. They accused me of missing a payment. A payment was n't missed. I have carbon copies of all my checks I 've sent them. I have continued to make payments & return all the checks they have sent me. GT/Ditech are charging me outrageous fees & legal fees. They have even hired an attorney to take me to court. This company has caused me so much grief & pain over craziness. They need to be stopped. My payments are {$490.00} a month. GT/Ditech is stating I owe them over {$6000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Ditech collects escrow monthly ( {$240.00} ) as part of my mortgage. On XXXX XXXX, 2016 I received a letter from my county stating I was deliquent in paying my taxes. I immediately called Ditech and their process for verifying that they in fact collect money for an escrow account was obsurd. They said to verify this it would take 14 business days and they would need to submit and review this by " research ''. Fast forward a week, and quite a few phone calls on my part, there was a resolution. The would in fact lay my {$2400.00} tax bill from my escrow account and they would charge me {$66.00} in interest because I was not an escrow consumer and, as per my request on XXXX XXXX, became XXXX. This is untrue. They have collected escrow since I bought my home in XXXX. These people are liars, sneaks, and impossible to deal with. They sent the issue back to " research ''.

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 2015-07-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: GMA Investments, LLC
State: GA

Complaint narrative:
I received a call from Summit Receivables regarding a debt with XXXX XXXX. I told him to send a collection letter.He said they have sent letters to me.The only letters that I have received is from XXXX XXXX.He said he was going to start legal papers. The debt is below.The {$260.00} is for the {$96.00} annual fee, monthly maintenance fee {$5.00} a month and late fees. 

Credit Limit $ XXXXBalance {$760.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
I received a phone call from a man by the name of XXXX, which to be honest I do n't remember if he said his name when he called. I was more interested in what company it was calling me from a weird XXXX number as it appeared on my caller ID. This man calls me to advise me that my car pay is {$58.00} short, my payment is actually XXXX and change. Most of the time I do n't bother thinking in cents but in whole dollars so either I pay a few cents less or a whole dollar more, no big deal. I tell him if that is an issue, he states that it is because my total payment should have been the XXXX and change, I then tell him that this entire phone call is a bit ridiculous because up until now I have paid my payments in full minus the lousy cents and this month I paid XXXX instead of the XXXX and change since they want to get " technical ''. I then ask him for a copy of my contract loan with them just so I am aware if I am out of bounds, I understand that the full payment is due but i paid XXXX % of it and for them to call me about {$58.00} is annoying frankly. Especially since I am at work! This is not the first attempt to contact me at my place of employment either, they have previously left messages with co workers during the first two months because of being a few days late, only because of my due and payment cycle however it was UNDER 10 days late. This is not my first car loan, but this is the first time being approached as harshly FROM THE BEGINNING. If I could turn the car in without hurting my credit I would have a long time ago, but we all know that 's not the smart thing to do and I do n't think I can handle 4 more years of this kind of attitude because if it 's not this month it will be next month, kind of annoying if I am paying my bill in full or up to XXXX % and within its pay period I do n't see why I need a babysitter. Something has to change because along with the XXXX attitude, XXXX did not give me the FDCPA or mini miranda or any other kind of awareness before continuing with the slap in the face.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Refer to my previous compliant ( XXXX ) regarding negligence servicing by " Ditech '' Company, and despite their letter of apology and their claim of correcting their error, I just received a " Notice of Default and Intent to Accelerate '' letter from them dated XXXX/XXXX/2016. When I called their representative they are not able to tell me how they determine that I owe them a balance ; moreover, I have all documents proving the I have made all of my payments accurately, properly and timely. They have caused me a great amount of anxiety and distress by their incompetent conduct in servicing my loan.

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 2015-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
In late fall XXXX, my mortgage lender Green Tree sent me a no cost refinance offer in the mail. I had about 9 years remaining on my mortgage and a decent rate since I has refined at least XXXX times since I owned the property. I began speaking with a Green Tree rep, XXXX XXXX and she indicate no problem, of course a free loan, ( I clarified verbally and by email, not cost deferred, free ). Approximately XXXX XXXX, a notary was sent out to meet me for my signatures, I noticed approx. {$1800.00} of fees. I called this rep and she indicated she would have the docs redone. ( I have emails to her regarding this communication. ) Approx. 2 weeks later, after repeated delays and excuses, I again went to a coffee shop to meet the notary for the second set of docs. I was told because of an amount difference not accounted for by the reps assistant that I needed to bring a check of approximately {$600.00} to the signing. I was on my way to work, in addition to that the rep and I had communicated clearly verbally and by email on why this second signing meeting was necessary, I signed the documents. For approx. 6 months after this experience, I did not receive any loan statements from Green Tree. 

After calling to inquire, the statements began arriving and only recently after repeated request did I receive most of the 'missing statements from the time period. I took this statements and finance papers to my tax prepare to review. He indicated to me I had fees and points paid to Green Tree, completely against what was agreed from the get go and after repeated attempted repairs and communication on my part to this mortgage rep. I am appalled by the audacity and presumptuous disrespect of the public this rep, XXXX XXXX has in representing Green Tree and myself on one 's largest financial transaction in a lifetime. ( Do Note : Dictec has assumed Green Tree as of mid XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
Our mortgage company has not been apply payments correctly for their advantage, has stopped mailing paper statements without any notification, and falsely attempted to charge our account with late fees due to some computer glitch on their end.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: AAA Collections
State: CA

Complaint narrative:
These I assume were resolved once before, Yet they were transferred to YET another company that is threatening my credit history. These assumed debts are are over 15 years old, Our medical insurance refused to pay, resulted in my termination of employment from same insured job and almost my life. I am now XXXX for the SAME reasons ( Federal XXXX ). I have XXXX XXXX now, XXXX and other serial medical issues. Our ONLY income is from XXXX. Please make them go away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
We got a call from the Revenue Group, XXXX, about a debt that is almost paid off and that we have been making regular payments on all along. The amount they stated that was still owed is not the right amount still due and owing. Then they asked why the last amount paid was only {$25.00}. ( It was all we could afford at that time ) We never received a notice of right to dispute this amount and debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
We purchased our home from XXXX Mortgage Company around 1996. We have lived here ever since. My husband is retired on XXXX social security, and I am on social security too. We are XXXX in our XXXX. Our major source of income was lost almost three years ago. We have struggled to meet our financial obligations since then. We modified our loan with XXXX two to three years ago and after that, they sold us to Green Tree LLC. I started a low paying XXXX {$9.00} per hour XXXX XXXX job to try to stay afloat. With my husbands medical needs, car payment, and a second mortgage payment ( which we re-negotiated to a low monthly amount ), and living expenses, we kept falling behind. Green Tree LLC initially sounded sympathetic and sent us credit counseling and modification information-which we had already completed, but slowly began to contact us by phone over and over, demanding payment and asking if we had jewelry to sell, and asking why we were so " lazy '' not to get a better paying job, along with threats of foreclosure and sheriffs sale. These calls would start early in the morning and last until XXXX in the evening. When I told Green Tree LLC that we had listed our home for sale, and would pay them off when it sold, their response was insistent that we give the name of our Realtor so they could discuss a short sale with our Realtor, of which I refused to give the information. Our home is located on almost XXXX acres in the country, on a small lake. We have a pole barn and shop building, and a nice home/four bedrooms/two baths. As you can see by Exhibit # 1 XXXX Statement of XXXX XXXX XXXX our home has enough value to sell and make nice profit. As I understand it, the tax value placed on a home from XXXX XXXX is typically lower than what the home would sell for on the market. Unfortunately, the offers we got were not what we needed to pay off the existing debt. At this point, Green Tree LLC demanded we take whatever offer we could get, as they knew they would be repaid first. The staff I spoke with kept harassing me about being a dead-beat. I have never in all my life been a dead-beat. The intense mental pressure eventually led me to sell the home for a much lower price than we could have gotten, just to stop the calls and pressure. See Exhibit # 2 ( Purchase Price information ) When our buyer called Green Tree LLC to get the current payoff, the employee we spoke with was unable to tell us the balance due! Then, the employee spoke with our buyer about assuming our mortgage and assured him that he could do so through Green Tree LLC. Our buyer remarked that with his knowledge of Green Tree LLC, he would have no desire to be involved with this Company. He immediately sent the full payment overnight to Green Tree LLC, requesting a confirmation of payment, of which he never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: NJ

Complaint narrative:
We are being harassed by frequent calls From XXXX Debt Recovery Solutions and they are looking for XXXX XXXX XXXX. My Name is XXXX XXXX and no one by the name of XXXX has ever lived in my house. Calls for XXXX have been received over the past 8 years and they are demeaning and annoying. 

Calls to these debt collectors to have the calls stopped simply result in a different agency starting the calls. 

There is no indication from my Identify Protection Service that I have ever had over due debt. 

The DRS ROBO calls about once a week. There after they use psychology by having a ROBO call and advertise lower interest rates. They also make frequent no message calls to keep the pressure up. DRS actions meets the definition of terrorism. 

DRS ( Debt Recovery Solutions ) XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ( XXXX ) XXXX - XXXX

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 2015-11-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I had a personal load with XXXX with a equity load and XXXX they sold myloan Green tree and XX/XX/XXXX my house went in foreclosure and the sheriff sale. I was evict from the house XX/XX/XXXX and have not lived in the house since then XXXX sold the loan to Green Tree. I was still trying to pay the loan and was told that once the house went in foreclosure I was no longer responsible for the loan I told this to Green Tree that I was no longer going to pay for the loan on a house that I no longer own, the house was sold XX/XX/XXXX They call me everyday of the in the morning in the evening all time of the all threatening me to pay they or move from the house I no longer own the house in question is XXXX XXXX in XXXX Michigan XXXX. They would call on different number and are still call me today. now they have this companyDitech sending me bill and increase the amount of the loanI would like them to stop sending me bill and would like the money I paid to them return to me. I can mail the letters to you if need in you need the account number it is 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 2016-09-27 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: FL

Complaint narrative:
Illegal collection whereas ECMC garnished my wages for the XXXX time within two years without notifying me, validating the debt or allowing a consolidation, as the law states prior to an order of garnishment, for ECMC was made aware in 2014 when the debt was release. even though the debt was removed by the department of education removed from my credit report and resolved in 2014 by ECMC, this company refiles the paper work to start the process again and refuses to acknowledge the laws concerning consumers rights, this type of collections tactics is causing financial hardships, putting my housing and employment in jeopardy. Two years ago they attempted to garnish my wages and was forced to release the garnish 4 weeks after I complained, asked for information, provided them my current information and all collection attempts stopped and the garnish was released but now they are garnishing my wages under another collection agency without the proper notification required by the law and with no paper trail present this is invalid action since this action was halted in 2014 when this matter was resolved. This is harassment and unfair collection practices and needs to be resolved.

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 2016-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I have had constant problems with Ditech Mortgage not posting my payments promptly. I pay 2 months ahead on my mortgage and it is a good thing because they take forever to post payments. According to my bank, Ditech received my last payment on XXXX XXXX, 2016 and as of today, XXXX XXXX, 2016, the payment has not been posted. 
Ditech is the WORST mortgage servicing company that I have ever dealt with. 
When you contact them, all you get is a canned response and never get a resolution to the problem.

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