vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My complaint is against Green Tree Servicing. While they were the holders of our mortgage note we were having financial difficulties. I tried explaining this issue to them and they would n't hear any of it. They contacted me multiple times daily when I was late with very bad attitudes and abusive language they even contacted my neighbor when I was late and told her that I was late making my payments and left a message with her to call them. My husband and I were mortified, this was truly one of the most embrassing things that has ever happened to us. Not only were we struggling to pay bills, but trying to find a decent paying job in our community which paid a living wage. We felt defeated! We had no choice but to stay with this company since our credit had taken a beating. We are still suffering from the repercussions of the economy, our credit took a beating. We did manage to save our home as well as our vehicles. I have also asked about items that our on the monthly bill and never received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America - attempt to get a mortgage rate modification Case number : XXXX On Page XXXX of Proposed Resolution Letter Final with Enclosures, referring to the paragraph " Our research confirmed ... '', I was unable to pay such an astronomical amount to reinstate the account. This is their reason for attempting to foreclose and take the house from me. The lawyer ( referred to below ) advised me otherwise regarding making payments, submission of required documentation, and qualification for a loan modification which was reversed several times. In addition the bank tried no less than 20 times to foreclose during this period when they did n't give me a chance to try and make payments, because they wanted an astronomical amount to reinstate and yet also unfairly disqualified me. 
This is unfair and will appeal this outcome until I am properly recompensated. Please also contact the attorney below who claimed he was trying to work with the bank on my behalf. 

XXXX XXXX, Attorney -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Virginia XXXX Office XXXX Mobile XXXX Mobile XXXX Email : XXXX XXXX ( Assistant ) -- -- -- -- -- -- -- -- - XXXX Non-Attorney Staff Member XXXX Virginia XXXX Office XXXX Fax 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 2016-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I am writing a complaint about my mortgage company ditech, I was billed XXXX which was grossly incorrect, so I contacted them. While doing so I encountered a representative that treated me with a discriminatory tone because I am a recipient of assistance with my mortgage. My payments are divided into a percentage that I pay and the remaining is paid by a subsidy. I have not had any issues with my previous mortgage company regarding my payments, but this is the second such incident I have encoutered with my current one. The call I am referring to took place on XXXX XXXX, 2016 at between XXXX XXXX and XXXX XXXX and is recorded by the mortgage company. I was given XXXX different amounts owed during the call and finally the customer service representative said that after running the numbers she could not see where I owed the amounts stated but that it was about {$130.00}. She said she would have to get with her supervisor before she could say for sure. I was told that it was the fact that I get assistance that my statements are n't accurate and that I should n't go by my statements. I asked what other method could I go by to determine my payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
I contacted Ditech customer service to change the date money for mortgage payment would be debited from my checking. They said, '' Sorry. We need more than 1 day to do that. '' I asked to speak with a supervisor but after numerous attempts the agent admitted that no supervisor was available. I said I would wait and she transferred me to voice mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
On XXXX/XXXX/XXXX Ditech increased my escrow payment from {$230.00} a month to {$490.00}. When I called Ditech then I was falsely told that my real estate taxes had doubled but later I checked and found that to be false. Then when I called again I was told that Ditech had under estimated my new taxes therefore they had sent me a check for a surplus in the amount of {$1600.00} back in XXXX of XXXX. Mind you I went ahead and spent these funds on a new water heater for my residence. Therefore Ditech stated because of the false surplus check they had sent that now starting in XXXX XXXX my escrow account was negative, and that I had to make a payment of {$490.00} a month for my escrow account instead of my regular {$230.00}! I pleaded and explained that this was really a terrible hardship for me ( a senior citizen on a fixed budget ) but to no avail. I was threatened with being reported to the credit bureaus for being late or delinquent on my mortgage therefore I was forced not only to pay the additional escrow amount but also XXXX time paying a {$12.00} pay by phone fee since that was the only immediate payment option. I have continued to pay my regular mortgage payments plus the additional {$260.00} ( XXXX ) for my escrow for 8 months now ( XXXX XXXX thru XXXX XXXX ). Finally on XXXX/XXXX/XXXX I sent an email to Ditech once more asking for a review and I was told by their XXXX XXXX, XXXX letter that it would take 30 days to investigate. Today when I called I was told a letter was sent out dated XXXX XXXX, XXXX ( which I have not received as of today ) stating Ditech will not change my escrow amount even though to date I have paid {$2100.00} extra funds in escrow since XXXX XXXX. At this point I feel I am being penalized heavily all due to Ditech 's own accounting errors, and finally why should I be made to continue to pay when I have already paid well over the {$1600.00} erroneous surplus amount sent by Ditech?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I have been trying unsuccessfully to submit hardship documents to Ditech 's website. I receive an error message when I try to upload my documents, as well as when I try to submit a message via their messaging center on their website. The error message says to contact Ditech customer service via telephone for assistance, which I refuse to do because they have verbally abused me and lied to me when I spoke to their representatives ( XXXX XXXX and her supervisor, XXXX ) in the past. Please help me. I am simply trying to submit my hardship documents so I can avoid forclosure on this property for the XXXX time, after Ditech previously abused me by delaying their decisions and ultimately denying my XXXX short sale requests, as well as offering me a loan modification in bad faith that they subsequently changed the terms on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: David A. Bauer, P.C.
State: CO

Complaint narrative:
In early XXXX I received a letter from XXXX XXXX XXXX that stated if I did not voluntarily make arrangements to pay on a time-barred debt, I could be held accountable for additional costs. By threatening me with additional costs this attorney implied that he would sue me in court and hold me responsible for court costs and other costs associated with that action. I have attached his letter to me. 

I feel that this attorney was attempting to intimidate me. In this letter, this attorney also admits that a debt he sued me for was only placed in his office for collections, that he was not hired as an attorney on the debt, but that he used his position as an attorney as part of his collection tactic. I feel this is an abuse of his role as an attorney, unless he is retained by someone to collect debt, he should not be allowed to use his position as an attorney to sue for debts that are only placed in his office for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Despite no request for a change in address, all correspondence is being sent solely to the borrower 's attorney. On XXXX XXXX, 2015, borrower 's attorney contacted GreenTree to request that all correspondence be sent to the borrower. The borrower herself made the same request to GreenTree the next day. On XXXX XXXX, 2015, the borrower 's attorney emailed GreenTree 's attorney in the foreclosure action, and made the same request. GreenTree 's attorney responded that he had raised the issue with his client and would follow up when they responded. Today, the borrower 's attorney received documents dated XXXX XXXX, 2015 once again solely addressed to the attorney. The borrower is distressed that she is not receiving any correspondence from GreenTree herself, despite our repeated requests. GreenTree should never cease correspondence with borrowers unless specifically requested by the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Mortgagor has asked for and received excessive amount for escrow of property taxes. The current escrow balance is over {$36000.00}. The property taxes for the year would be around {$10000.00}. We have called several times and asked for refunds. The current required monthly escrow being demanded for taxes is over {$2000.00} a month, which needs to be adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
We had a mortgage from XXXX after XXXX and XXXX XXXX XXXX and DITECH was our mortgage servicer. We applied to DITECH for a HARP refinance. They refused to give us the Harp interest rate and in fact denied our refinance because we would not agree to the conventional loan rate. We were very eligible for HARP. In fact we were successful refinancing with another mortgage lender. Perfect credit. Never late on payments. Ditech would also not refinance us VA even though I am a US veteran. Even at the conventional rate they refused our loan refinance due to a existing mobile home on the property. This is in addition to our single family dwelling.They said it was required by HARP that we remove the mobile home in order to get a refinance. The mobile home was a source of additional rental income. We spent XXXX dollars to have the mobile home demolished and they still would not give us any interest rate other than their conventional interest rates. DITECH IS THE MOST CRIMMINAL ABUSIVE COMPANY WE AND THOUSANDS OF OTHERS HAVE BEEN ABUSED BY. We want a ruling here on our rights to HARP refinancing vs. Ditech making their own rules in order to make it easier for them to sell our property in case of default. ( to get rid of the mobile home ) Also denial of refinancing according to HARP and VA guidelines. We feel there has been discrimination here of a US Veteran and senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC
State: AR

Complaint narrative:
Green tree calls me XXXX days a week and ask me for my sss # on the phone and will not tell me nothing. I do not owe them nothing. if they do n't stop I will get my lawyer to send them a letter and we will take it to court for a law suite

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
*** Ditech presented and charged us for an escrow deficiency that is greater than the actual money they paid out. *** From XXXX XXXX to XXXX XXXX, Ditech paid only {$1400.00} for taxes and insurance. *** Ditech 's XXXX XXXX, XXXX escrow analysis, attached, calculated a deficiency of {$2000.00}. ***Their calculation of the deficiency ( {$2000.00} ) is greater than their payout ( {$1400.00} ) by {$660.00}. *** How can our deficiency be greater than the money they actually paid out? ***Borrower 's XX/XX/XXXX escrow overage and payments covered Ditech 's XX/XX/XXXX disbursements ( all received by payees ). 
*** There is no lapse of insurance. *** There is no delinquency of taxes. ***Attached are borrower 's tax payments, Ditech 's XXXX XXXX and XX/XX/XXXX monthly statements, and XX/XX/XXXX insurance ( Ditech paid XX/XX/XXXX and XX/XX/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 2015-05-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
See attached. A debt collection agency has placed a negative trade line on my credit report without providing the validation of debt requested and a reasonable opportunity to investigate the putative debt. This is important because ( XXXX ) I previously owed money to the original creditor that was handled by Focused Recovery that was discharged in a Chapter XXXX bankruptcy and ( XXXX ) I may have been a victim of identity theft. A full legal analysis and memorandum of facts necessary to adjudicate my claim are attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I was paying my debt on time but paying extra. I wanted the extra to go toward the principle. Anyway they did that and that changed my next do date without me knowing. Then the calls started XXXX at night and after speaking to someone they called XXXX that morning. After paying XXXX the next morning.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Empire Resolutions Group
State: FL

Complaint narrative:
XXXX XXXX called my son, who is in the military and was XXXX and told my son there was an urgent legal matter and that he needed to speak with me. Once my son confirmed that I was his mother XXXX then proceeded to tell that I needed to contact him. 
Then XXXX gave the company name as empire recovery solutions @ XXXXI am not past due, have any outstanding debt or nothing delinquent for 7 years or more and believe this to be a scam. 
I have received multiple calls, all hours, any day of the week from this number but I do n't know anyone in New York so I do not answer

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates
State: IL

Complaint narrative:
I was notified from my XXXX accoutrements say I 'm in collection status for a debt. Hillcrest Davidson and A XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: MN

Complaint narrative:
I noticed on all XXXX of my credit reports that there is a collection from XXXX that i have no knowledge of, have never dealt with them before, and believe its due to an identity theft. I want this collection removed and to not report again or i will be seeking further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BlueChip Financial
State: WY

Complaint narrative:
I hit a rough spot and became unable to pay for simple things needed for everyday life. I asked for the automatic payments that were set up to be held after the bank tolde chances are they are not licensed to lend in Wyoming. Which after much research they are not licensed. They continually call me from numbers that are n't associated with the company. I am just wanting to pay off the remaining principal in installments. They will not contacte regarding this via email as I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
REFERENCE NUMBER XXXX COMPANY AGREED THIS WAS AN ACT OF FRAUD. IDENTITY THEFT. HAVE SUBMITTED POLICE REPORTS. YET IT 'S STILL ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services
State: CA

Complaint narrative:
I was a co-maker on the student loan with my son, XXXX XXXX. In XXXX 2015, I refinanced my home to pay of this loan in the amount of {$97000.00}. 
On XXXX/XXXX/2015, the loan statement sent by ACS gave a loan balance of {$96.00}, XXXX. I made a payment on XXXX/XXXX/2015 in the amount of {$97.00}, XXXX on this loan having refinanced my home. I now have received several calls ( XXXX 2015 and into XXXX XXXX, 2015 ) and bills dated XXXX/XXXX/15 ) stating I owe {$530.00}. In my many conversations with the representatives, I have asked for a detailed explanation of why I still owe this amount. I am very confused because the amount due on XXXX/XXXX/15 was {$96000.00} and payment of the loan through escrow on XXXX/XXXX/15 was {$97000.00}. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
Sav-it collection show a debt that they say # 1 they could n't reach me, and further, it was settled with the company for {$170.00}. The company was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: American Accounts & Advisers, Inc.
State: TX

Complaint narrative:
XXXX XXXX of American Accounts & Advisers called me this evening after I had been working with one of his reps in getting an itemized bill from a medical bill. After I explained to him that I was working with one of his reps, he proceeded to tell me that I was " Taking advantage of her niceness '' and that he " knows people like me '' He claimed that I had no intention to pay and then made light of putting this on my credit report. When I asked for his supervisors name, he then gave me his subordinates name and number. I know this because I looked it up. The name He gave me was XXXX XXXX. If he would have stopped for a moment, I tried explaining I had n't received a bill most likely because I moved and I was also told that it was covered by my insurance. Rather, he thought it a better idea to make me feel like a child in the way he was speaking to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: AZ

Complaint narrative:
I believe I was initially overcharged for my vehicle, it has since been repossessed because I lost my job & could no longer afford the payments.. The vehicle in question is a XXXX ... At the time I signed the contract on the vehicle I was desperate & really needed transportation for work, school & to take my kids to & from school ... I really believe the cost of the vehicle was over priced at {$8000.00} with interest the total came to {$12000.00} approximately.. The value of this car at that time I bought it was no more than {$1300.00}, current value approximately {$1000.00} Since the vehicle has been repossessed I have attempted to reach out to Drive Time multiple times with no success to discuss this matter. I just continue to get transferred around & told no one can help me or I 'm directed to call someone else.. I recently received I letter stating the vehicle was sold and I owe {$9700.00} for a vehicle that is only worth {$1000.00} per XXXX XXXX ... At {$160.00} biweekly payments I made for 7 months approximate cost out of my pocket {$2300.00}. I really feel this company has inflated the cost of the vehicle and are attempting to get XXXX times the amount for this vehicle from me & also from whoever they sold the vehicle to. I really feel I have been taken advantage of me as consumer ... I feel that without help from someone they will not sit down to discuss fair compensation I should pay for this vehicle, now that its no longer in my possession.. Can you please assist me with resolving this matter..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation