vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
XXXX XXXX, 2017 Re : Mortgage account # XXXX Property XXXX XXXX XXXX, XXXX IN XXXX Dear Sirs : This is direct request that Ditech terminate the escrow account and monthly charges on the above mortgaged property. Ditech is using escrow account on listed property to gain interest free self-serving loan from customer. The Consumer Financial Protection Bureau is suing Minnesota-based XXXX XXXX Bank XXXX for allegedly " tricking consumers into costly overdraft services ''. Ditech is doing the same 'trick ' with escrow account attack to defraud home owners for 20 % increase in costs with no factual basis or need. 
On property : XXXX XXXX XXXX, XXXX, Indiana, the current escrow is $ XXXX. New escrow is $ XXXX. This change is an increase Total= $ XXXX, which results in $ XXXX increase. This is XXXX % rise in escrow cost, which adds total {$6000.00} escrow each year to cover {$5300.00} actual cost, [ Tax : XXXXHomeInsurance : {$1700.00} ]. This is an annual {$710.00} " profiteering '' interest free loan to ditech, in addition to the {$2300.00} carry forward balance before any escrow disbursement occurs. 
House insurance on this property has not changed in 10 years, and current, active policy enclosed. Mortgage property value assessment has been substantially reduced on appeal [ Enclosed ]. This will result in property tax reduction. There is no evidence of tax or hazard insurance rise or increase. 
When discussed with ditech staff on XXXX/XXXX/2017, the employee claimed : " this is your saving account. '' This is a bald face sales pitch lie, as no bank saving account pays 0.00 % interest. 
Ditech escrow manual states : " If the surplus is more than {$50.00}, we will send you a check for the surplus funds. '' This statement is in direct conflict with the claim for an unsubstantiated, meritless increase of {$92.00} per month, and the additional demand for immediate payment of & gt ; {$700.00} excess escrow monies. 
The ditech {$1400.00} escrow funds and collection attempts on mortgage account # XXXX must be terminated immediately. The {$1400.00} surplus currently in the escrow account must be paid, re-numerated, returned, to home owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I move in a mobile home in XX/XX/2014. The person I be lived to b buying took my XXXX. Down pmt. An return in XXXX months asking me to catch up on pmt. I realize he was not going to sign the general warranty deeds I drew up.a greentree workers shows up XX/XX/XXXX. Telling me what I need to pay r get out of the home. I explain to XXXX the deal XXXX XXXX made with me an. I would b willing to pay XXXX a month just give me a blance to start.i recived calls that were rude as if I was a child. Anyway I agreed to send XXXX post dated cks. After the first pmt. I gave to them in person of XXXX they refuse to send me a invoice .so I am thinking whom an what am I paying for. After talking with them I find out this owner has been dead XXXX yrs. An I will never get a title to move it without lots of loops. Now they r demanding pmts. After I brought the pmts current. I have not sent a pmt. Until I get records for me saying what I owe an why I am being over charged an charged for ins. I was not the one whom started this mess an I do n't plan on being left clueless. Like I told her I been here lil. Over a yr. An I only have to envoies mailed to me. XXXX yet making pmt. Thru my bank r cks.she tells me they been mailing them but they were in XXXX. I told her I could not open his mail just like her asking me to post date XXXX cks. She explain I pick a date an send them an she will enter them each month. Now I am late with fees an no paperwork to describe what I will own.very upsetting to me as a single parent trying to b productive an grow in life yet. They r allowed to tell u get out r make a pmt. I think I am ready to take action to avoid more troubles.can u help? I have talk to many workers yet they tell me they can not give me information on the loan an expect to b payed. I am clueless not a dumb.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: World Acceptance Corporation
State: GA

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I booked round trip flight on XXXX XXXX on Chase travel website using my Chase Sapphire credit card points for XXXX persons. On return date, I could n't return due to sudden medical emergency with my mother. I contacted XXXX XXXX and asked them if they would rebook us, The agent told me they do n't provide any refunds for cancelation even due to medical emergency and they would n't rebook me. I had to return on XXXX XXXX and I paid for my return flight on XXXX. 

I filed claim with the benefit dept on XXXX XXXX for trip interruption/trip cancelation and I have sent them everything including the Chase travel vouchers and doctor 's letter but they have been playing game and they have been very dishonest since XXXX XXXX. 
The benefit dept continues to lie to me by saying the return XXXX XXXX flight was booked by XXXX XXXX and not by me. I have sent them my reservation document that shows I booked the return XXXX XXXX flight on XXXX XXXX website. 

I want full refund for the original canceled flight and genuine apology from all those agents that I spoke to regarding my claim. If they continue to choose to play game, continue to lie to deny my claim and not resolve this in the next few days, I will be taking legal action in small claims court for damages. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: E*TRADE BANK
State: FL

Complaint narrative:
On XXXX/XXXX/2016 someone made a few online purchases ( {$400.00} ) using my Etrade debit VISA card fraudulently. I called Etrade to report it and since then I have been trying to get reimbursed for my funds without success. I have been a customer of Etrade Bank for close to 11 years. This process has been horrible. I have been calling about every five days and the whole handling of my case is a disaster. They closed the investigation without telling me about three weeks into the process among many other excuses which are not going anywhere on getting my money back. The investigation was re-opened and the operator from customer service told me that he was sorry and that it must of been an internal error. I 'm still calling about every 5 days and only get excuses. What can I do to get my lost funds? 
Thank you for your help.

Company response to consumer: Closed
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
We have a second mortgage with GreenTree, now known as Ditech. We went though bankruptcy because of a failed business in XX/XX/XXXX / XX/XX/XXXX, and GreenTree provided us with a XXXX XXXX, to which we agreed. The XXXX XXXX changed the terms of the loan, providing a lesser payment. Similar to the payment we had been making through a modification agreement prior to bankruptcy. Once the bankruptcy was discharged in XX/XX/XXXX, GreenTree started calling the very day of discharge, and we continued making our payments. There was one month that GreenTree called seeking a payment earlier than we were going to make it, we agreed, and GreenTree accepted a telephone payment, and our bank electronically paid the account due to an oversight, and GreenTree refused to reimburse the second payment, although it was a detriment to our family at the time. Our credit reports show Ditech as showing us XXXX times past due, although we have continued making in excess of the payment required on the XXXX XXXX, bringing our scores down. We have send in evidence of payments to the credit reporting agencies, and still have no relief on XXXX and XXXX. Ditech is showing 30, 60, 120 days past due for months we continued making payments because they refuse to accept the lesser payment in the XXXX XXXX, and still show the payment on the original credit agreement. It is important to note, GreenTree drafted the XXXX XXXX, including all terms and conditions of the XXXX XXXX. We have complied. We repeatedly answered their calls seeking additional monies over and above the XXXX XXXX, and they refused to accept the new agreement, with the primary account person XXXX? saying the interest rate was variable to all sorts of excuses. We had at least XXXX calls with XXXX following our bankruptcy discharge, to no avail. We finally stopped answering the calls, which continued daily to both of our cell phones, work, and family members. We sent letters demanding the calls stop to our employment and family members, and to only communicate through written means. We continued getting calls, even to the work place at times. We have sought out legal counsel to review the XXXX XXXX, and confirmed it is a binding contract, and to confirm the XXXX XXXX was filed with the Bankruptcy Court, which it was. We have sought out help from the credit bureaus, and have not had success thus far. GreenTree / Ditech have tacked on {$1800.00} in fees and have refused to provide us with an audit or accounting since the bankruptcy discharge. An attorney will cost us $ XXXX+/hour to retain to go through the court system, with an estimate of {$4000.00} to {$10000.00} in fees to litigation this matter. We simply can not do that at this time. Any assistance your organization can lend to this situation, or guidance, would be most appreciated. 

XXXX XXXX

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 2015-10-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I had fallen behind in my mortgage payments with Green Tree Servicing ( now Ditech ). Several months ago, I resumed making the payments and even sent one check covering three payments. Green Tree/Ditech cashed all of these checks, but never credited the account. In XX/XX/XXXX, I sent them another check in the amount of {$540.00} ( one month 's payment ), but they returned it, claiming that the amount is insufficient to reinstate my account and that they have begun foreclosure proceedings against me. They claim that I owe more than {$3500.00} to reinstate the account. The amount I owe should be about {$1200.00}. They have also been charging me {$100.00} per month for " repairs '' without explaining this charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I have a mortgage with Ditech Financial. My Escrow account for 2017 is incorrect. I am being charged four times a year for taxes instead of two. My account is showing XXXX amounts of XXXX when there should only be two per year. Ditech is also incorrectly charging me for Earthquake insurance which I do not need and have never needed. I have insurance both through my condo association and XXXX. Ditech has copies of both insurance policies and they are in my record. Both are paid by me and not by Escrow. This is incorrect. I had contacted Ditech and had my escrow analyzed by Ditech at least 4 times in the past month and each time the amount is still incorrect.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I obtained a HAMP modification on my XXXX mortgage. I submitted a loan modification request on the junior lien Green Tree Servicing holds on my property and we requested it be evaluated under 2MP. Afterward, I spoke to XXXX, a Green Tree representative on XXXX XXXX, 2015 to discuss status of a modification application I submitted. According to the representative, while she admitted I was eligible for 2MP, I was denied loan modification. 
The loan servicer participates in 2MP, a federal program, and my loan is eligible for modification pursuant to Federal guidelines. Green Tree refuses to participate in good faith in this program. I am living proof..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 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: Ditech Financial LLC
State: OR

Complaint narrative:
Debt collector is reporting a paid debt incorrectly and they are not being responsive in correcting the error. I 'm going through the process of buying a house and this blemish is holding things up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I just spoke with your department handling the Greentree LLC disbursements. They said I was never reported by Greentree as having a serviced account with them. They serviced my first and second on my residence. The second from XX/XX/XXXX thru XX/XX/XXXX, the first was sold to them on or about XX/XX/XXXX-XX/XX/XXXX. I filled several complaints with your organization about Greentree, indicating the abuse and theft I went through with them. I do n't understand how there is no record of my servicing through Greentree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC

Complaint narrative:
Mortgage company agrees it violated a court order regarding the removal of a " phantom corporate advance account '' and sent the following correspondence. Mtg company has now refused me access to my account ( will not give me any information ) and has failed to remove the erroneous corporate advance from the account. The requisite time has passed and they still have not fixed the account even though they admitted wrongdoing. Please compel them to make this fix. AS OF XXXX XXXX, XXXX THIS MATTER IS STILL NOT RESOLVED!!! 
Here is their correspondence : Ditech said : Explanation of closure Ditech Financial LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX T XXXX F XXXX ditech.com XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Re : Consumer Financial Protection Bureau ( " CFPB '' ) Case No : XXXX Ditech Financial LLC f/k/a Green Tree Servicing LLC Account No : XXXX Dear XXXX XXXX : We are in receipt of your complaint filed with the CFPB regarding the servicing of your loan by Ditech Financial LLC ( " Ditech '' ). Ditech takes your complaint seriously and appreciates this opportunity to respond. 

Ditech 's records reflect that prior to XXXX XXXX your account was not escrowed. Your loan was approved for a Streamline Modification which required that an escrow account be placed on the account. Please see the enclosed Modification Approval Letter dated XXXX XXXX, XXXX. This modification was cancelled almost immediately pursuant to your request to have it cancelled. Please see the enclosed Modification Denial Letter dated XXXX XXXX, XXXX. At this point, Ditech should have cancelled the escrow as well. Due to an inadvertent error, the insurance escrow was not removed from the account until XXXX XXXX. Prior to the cancellation of the forced escrow, Ditech disbursed for taxes and insurance in XXXX and XXXX. 

This matter was addressed in a Motion to Compel filed in your XXXX XXXX bankruptcy on XXXX XXXX, XXXX. Please see the enclosed response to the Motion to Compel, filed by Ditech on XXXX XXXX, XXXX, and the Stipulated Order filed by the court on XXXX XXXX, XXXX. In paragraph XXXX of Ditech 's response, it explains that the escrow amounts had been credited to your account. According to the Stipulated Order, the matter had been resolved. 

Upon further investigation, Ditech has found that while Ditech credited the escrow account, the credit was insufficient to satisfy the full escrow deficiency leaving a balance of {$1800.00}. Ditech has waived the remaining deficiency and sincerely apologizes for any inconvenience that this situation may have created. 
Please allow one to two weeks for this transaction to be completed and your account credited. 
Please contact Ditech at XXXX with additional questions or concerns. 
Sincerely, XXXX XXXX XXXX XXXX cc : CFPB via portal

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Our problem seems to be with Ditech billing system. AND COMMUNICATION! Since Ditech bought out our mortgage, we have been paying electronically and ALWAYS on time. For the last several months we have been notified that our payments have not been received and late fees charged. I have had numerous phone conversations with Ditech, validated the account number, the issue is apparently resolved, but the next month it continues all over again. I fear this will show up on our credit report and want it fixed. I finally had a conversation with a supervisor and she assured me she found the error - on their end, and it would be fixed within a few days. 
That was last week, and our statement is still indicating we have not paid and now no one will respond to our calls. I have bank statements to prove payments have been made, - on time, and cashed by Ditech. They seem to be purposefully not responding, this is just not acceptable. This is so frustrating, are you able to help?

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 2015-12-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
Ditech has obtained my XXXX mortgage ( Home Equity Line of Credit ) which has a balance of {$30000.00} and at a current interest rate of 4.1 % for 180 months and sent me a payment due on XXXX/XXXX/15 in the amount of {$270.00} I ran an amortization of that amount and the payment should be {$220.00}. I contacted Customer Service and spoke with XXXX on XX/XX/XXXX and got no response. I contacted XXXX on XX/XX/XXXX @ Ext XXXX and was promised a response ASAP and no response I contacted XXXX on XXXX XXXX and still no resolution. I contacted XXXX on XX/XX/XXXX and she said she was sending an email to XXXX and her supervisor and I should hear back that day for sure and NO RESPONSE.

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 2016-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
XXXX mortgage payments were given at same time. Called to get half back and they did not process request. Called numerous times with several different reps and supervisors and no one could help or give answers. After a week and a half they submitted it again. Customers can not talk to anyone above the rep level and if you get forwarded to a supervisor, none of them answer, there is no voicemail, and they do not respond to online messages. Bad business

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I have applied for a modification numerous times with Greentree due to hardship. For years, they have lost my paperwork requiring me to repeatedly submit the paperwork again. My house went into foreclosure as a result. I kept applying for a modification. Again, they claimed the packet was stale though it was submitted on time in mediation. They told me I was denied for XXXX, but never provided a reason or any written denial. I should have qualified according to the rules. They later offered a streamline mod, but mailed it to a wrong address. Because of this, the deadline had past. I consulted with an attorney who advised me to request a new letter with the corrected information otherwise it was not a valid offer. I explained this to Greentree and they refused to reissue a new offer with the corrected address and dates on it. Instead, he ( supervisor XXXX ) demanded payment and stated " the offer is valid today, but could be off the table tomorrow '' though I informed him the other rep. ( XXXX ) stated it was valid until the end of the month. My address had never changed to begin with. XXXX they sent info to a wrong address. Greentree lawyers were informed this via emails and in mediation the first time they did this. They refused to reissue a new, corrected letter then too though the offer date had expired. 7 months later, it happened again. They ca n't send me any important paperwork, instead sending it to a wrong address, yet can continually leave notices on my door to contact them. They have been nothing but rude and harassing. They contradict themselves and give you the run around any time you ask for help or try to get answers. They have been a nightmare to deal with. They should be shut down and put out of business. They are not abiding by federal guidelines by trying to help people stay in their homes. If we lose ours, it will be because of them and the games they play.

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