vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
it started as XXXX XXXX, XXXX XXXX. Green Tree Serving, Di tech.Now I pay my insurance to these people. I tried to make appointment to make a claim they never answer the phone.All they ask for was the Mortgage payment.The front door haves a XXXX to XXXX inch gap in it and the back door to.We have to sleep with two by fore under the door handle front and back.We told them that the foundation is shifting they never replied.We or behind in our Mortgage and they trying to fore closes.PLease I 'm not trying to get over on these people they or getting over on me.Please could you help me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Ditech had a mortgage with me that was charged off in XX/XX/2012, they have since applied a new account number to the same account and reported a balance on the closed account using the new account number. Because of the time lapse of 4 years on the account they have submitted a derogatory mark on my credit history resulting in a severe drop in my credit rating.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
Debr Recovery Solutions, LLC of XXXX XXXX, XXXX XXXX, XXXX NY XXXX. XXXX, continues to attempt to collect a debt for a landline phone number XXXX from XXXX that we never had installed at our residence.

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 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
We have submitted XXXX different applications for modifications XXXX with XXXX with no response 1st application was XXXX/XXXX/XXXX. The second application was submitted in XXXX XXXX but was closed due to insufficent documentation. We were never notified from servicer that they were requesting addidtional documentation. Last submission was XXXX XXXX XXXX, as of today 's date there has been no response from servicer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I setup a bi-weekly payment with Greentree financial and was required to be 1 payment ahead ( prepay 1 payment to establish ), payments were applied every 2 weeks as they were suppose to be when Ditech took over service account, they showed account past due and are putting the payment in suspense account stating payments are not applied until the full payment is received I then had a large insurance claim check that was overnighted XXXX they received XXXX, deposited XXXX and as of XXXX still not applied to my account. I have made weekly call inquiring as to the status to get a canned response that they are backed up and it would be 7-10 days before they could process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My Barclays credit card has twice misreported activity on my credit card. Once in XXXX XXXX and XXXX XXXX. Talking w/ someone on their customer service line is a waste of time. They do n't understand what you are complaining about and make unrelated suggestions to resolve your problem. Talking w/ them gets you nowhere. I have not made purchases that caused me to exceed my credit limit. When the company has added my monthly interest to my balance ( which I would not know ahead of time the amount will be ) and it causes the balance to then exceed my credit limit they turn around and report that I went over my limit. No other credit card uses this unfair practice. How would a consumer know ahead of time at what point to not exceed. If that were the case they should say if you have a {$3500.00} credit limit ... .never spend over {$3400.00}. It 's ridiculous. I am filing a formal complaint over this unfair practice with the FTC, the CFPB and w/b filing a dispute on my credit reports. I canceled my account today but I want this fixed.

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

Complaint narrative:
The complaint is about how DITECH Mortgage Servicing has mishandled the Homeowner 's Escrow account with regard to Homeowner 's Insurance. 
The homeowner 's insurance provider XXXX XXXX informed homeowners that they were exiting all personal coverage lines ( homeowners, auto, life, etc. ). The homeowners CANCELLED coverage with XXXX XXXX and ESTABLISHED coverage with XXXX XXXX. DITECH continued to pay premiums from escrow to XXXX XXXX. DITECH also began paying premiums from escrow to XXXX XXXX. Homeowners were UNAWARE that XXXX XXXX had failed to actually CANCEL the coverage as requested by Homeowners. Homeowners were furthermore UNAWARE that DITECH was DOUBLE-PAYING. Why would they be aware? DITECH is entrusted with escrow so as to service and monitor such things. If Homeowners had been handling their own premium payment this mistake would not have happened. DITECH made the mistake, not the Homeowner. 
NOW that the Homeowners have been made aware of the situation by DITECH, the Homeowners have rectified it in a timely and efficient manner. HOWEVER, DITECH is going to assess the Homeowner a LATE FEE?? AND it will reflected on the HOMEOWNERS ' CREDIT REPORT?? This is patently unfair and is just the kind of activity the CFPC, FTC, and the GA XXXX will want to hear about. It is in the same league as the recent XXXX XXXX case that is in the news this week. If DITECH is this careless with this Homeowner 's account, it probably is with others. DITECH, not the XXXX, made the escrow mistake. DITECH has been asked to CANCEL and REVOKE any and all late fees associated with DITECH 'S mistake - but they refuse. 
All the Homeowners want is for none of this to appear as a negative ding on any credit report and for the late fees to be revoked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
We filed a Complaint # XXXX with your office against Green Tree Servicing for harassment and Illegal debt collection practices in XXXX 2014 and you closed our case, and then the XXXX fined this company over XXXX XXXX dollars. We are confused as to how our case was closed when we have still taped recordings of the harassment, as well as, the improper and illegal collection practices they used. In addition, this company has now added double the debt to our credit reports and completely tarnished our credit. This company has now changed it 's name and is continuing their deceptive practices. We were denied a loan modification even after we were approved for the HOPE with XXXX XXXX our XXXX Mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I recently obtained a copy of my credit report and noticed XXXX tradelines from Financial Credit Network ( Medical ) I never have had an account with Financial Credit network, never received anything in the mail from them regarding this " debt ''. 

I am requesting under the Fair Debt Collections Practices Act that they validate this debt and prove that it belongs to me. Simply matching up numbers in a computer does not constitute a validation per FTC standards. 

I am suspecting that their intentions are fraudulent and malicious in nature and wanted to make the CFPB aware of the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
From XXXX our mortgage was transferred XXXX to Green Tree Servicing LLC.Since then we experienced change in our financial agreement. The name of the borrower and co-borrower were reversed and we received diferent tax interest form XXXX. 
We have XXXX phone calls and XXXX text message but they did not explained us is this change have been made on legal base.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
The Ditech Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX was not correct. The statement had a double billing for XXXX XXXX in the amount of {$3200.00} for " Taxes ''. The Ditech error raised my XXXX/XXXX/XXXX payment to {$1900.00}, which is not correct. I contacted Ditech on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for resolution. Noticed a Ditech Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX, which stated payment due of {$1900.00} on XXXX/XXXX/XXXX and payment due of {$1600.00} due on XXXX/XXXX/XXXX. I dispute the payment of {$1900.00} due on XXXX/XXXX/XXXX. I assert the payment due on XXXX/XXXX/XXXX should be {$1600.00} and moving forward the XXXX of each month. Contacted Ditech on XXXX/XXXX/XXXX to dispute their second error, and Ditech stated {$1900.00} due on XXXX/XXXX/XXXX and refused to correct their error resulting in the erroneous amount due on XXXX/XXXX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
We originally purchased our home with XXXX in XX/XX/XXXX. We found that our home was worth XXXX less than what we owed. We filed bankruptcy to try and help get this under control and see if we could get this to where it was affordable. Unfortunately we were misguided by our attorney. We hired a new attorney which helped us and we were able to get a home modification XX/XX/XXXX. We were not able to make our payments prior to this but in this modification our loan payment went up. We then struggled and tried to keep up with our payments but just could n't keep up. We were contacted that XXXX sold our mortgage to Green Tree servicing. We contacted them asking them if there is anyway they could reduce our interest rate ( currently 6.75 % ) to the current rate around ( 4 % ) to make our mortgage payment go to around {$1900.00}. We started this process XX/XX/XXXX and got the run around stating they " Lost our paperwork '' " Missing items '' " Transferred to another representative '' " Waiting to be reviewed '' in every one of these cases we called on numerous occasions to ask the status and they would never give us an answer or they stated our case was closed. We finally in XX/XX/XXXX notified our attorney and asked that we just let our home go into foreclosure as they are unwilling to work with us and would rather our home go into foreclosure that work with a homeowner trying to save their home for their children. We really wanted to save our home and they acted like we were asking them to forgive our entire mortgage. Which we were not we were just asking for help in trying to reduce our payments so we could keep our home. They are not willing to work with the homeowner in any circumstance. I WOULD NOT RECOMMEND GREEN TREE SERVICING TO ANYONE! BUYER BEWARE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
This item " Derogatory Trade '' for Ditech reported XX/XX/2015 is STILL inaccurate. I was reported to the credit bureau for 30 days late for XX/XX/XXXX and XXXX 2015. My payments were made on time however, Green Tree was not honoring my loan modification from my previous lender which is a violation of the FCRA. GreenTree then tried to raise my interest rate and throw in old escrow charges that ultimately made my payment increase, although with a loan modification this is a violation. I continued to make my payments according to my loan modification. XX/XX/2015, after I was threatened by Green Tree they would be foreclosing on my house due to late payments, I sought assistance from XXXX XXXX XXXX to assist me with the issue as Green Tree. Green Tree finally honored my loan modification but REPORTED me to all credit bureaus as late and has now ruined my credit to purchase a new home. Green Tree will not remove the late reporting even though they have proof I paid my mortgage. I was paying according to the loan modification, not their terms. I cant get a hold of anyone to help me, nor can I afford an attorney. Green Tree has several of these same issues against them and we all experiencing credit issues. This is fraud, misrepresentation and a violation of the FCRA.

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 2015-04-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I am beginning to receive calls at my current place of employment for a home that foreclosed while I was married. In my divorce the judge ordered my husband responsible for ALL marital debt. This was a marital debt and he is responsible per the XXXX County Courts, 3 years ago! The calls have just started coming and they are very persistent! What am I to do. You can not drain blood from a turnip. I am a single mother of XXXX and care for my XXXX mother. Please help make it stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 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: FL

Complaint narrative:
I have received innumerable telephone calls, and numerous letters, regarding payment of a " debt '' I have no knowledge of and no involvement with the alleged creditor. 
I have repeatedly told the debt collector I do not owe a debt, and remind them that IF I did, they acknowledge the statute of limitations has run ... so I would n't pay it anyway.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Green Tree Servicing , LLC is XXXX of the worst companies I 've ever dealt with. After being assured that I was approved for a loan modification, Green Tree kept requesting the same documents over and over. I submitted at least a XXXX packets of the same exact documents, only to be told they were never received, at which time they started foreclosure proceedings. 

They also harassed and threatened me many, many times on the phone, sometimes up to XXXX phone calls per day, often swearing at me over the phone. They also contacted my family members by phone and threatened them, as well, giving these XXXX parties information on my Green Tree debt. 

I thought XXXX XXXX XXXX customer service was bad, but when my mortgage was sold to Green Tree, I learned that their practices and customer service are XXXX times worse. My account representative, XXXX XXXX ( XXXX, ext XXXX ) was not only disrespectful and harassing, but she would not give me the information I needed, including the amount due on my mortgage. She also hung up on me many times. 

XXXX XXXX also insisted that my AUTO insurance was part of my escrow balance. I knew this was n't true and called my auto insurance company to confirm. When I called the office of XXXX XXXX, president of Green Tree Service, LLC ( XXXX ), I was given an amount due to bring my account current. I called again to confirm that the amount was correct and was given a different figure. They then insisted on transferring me to XXXX XXXX, who again, would not give me any info or payment options to bring the account current. 

I 've dealt with other Green Tree representatives, as well, and both XXXX XXXX and others noted that nonpayment of my mortgage could result in arrest or imprisonment. Green Tree pressured me to use a payment system known as XXXX, a pay-by-phone service that charges {$12.00}, even though other payment options were available to me. 

The level of incompetence of Green Tree representatives is shocking, and I hope that steps are being taken to make this situation right.

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 2015-06-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am still being harassed by Navient. I left a reply to the message that they sent to me with XXXX. I told them in the XXXX reply that I would mail in the payment. I got a call and told the collector on the phone I mailed in the payment. They took away my forbearance, that they set up so that I could skip a payment. Now, calling my house XXXX times a day and on Sunday. 
I have contacted the Omnibudsman and left a plea for help. They cut off my auto pay XXXX times an then when I tried to set up the payment a XXXX time, the collector " accidently ' keyed in the wrong account number. 
They will not let me go into the website and make a XXXX time payment. I keep getting collectors with the wrong information and they do not seem to know what is going on. I am not receiving correct information, I have stopped trying to answer my phone and put my loan on auto pay. 
I am being charged interest on being late, so that they can make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase posted charges to my account in a way to maximize the overdraft fees they charge. I 've personally witnessed this happen several times before with various merchants so I know this is n't a coincidence especially with other customers online who 've shared the same experience. The lower cost items should be charged first and not re-ordered after the fact. XXXX charged me before XXXX did and at the time it overdrafted me by a few dollars so I made a deposit to cover the charge by XXXX to avoid the fee. The charge was only {$5.00} and after my deposit I had more than enough to cover the charge. The same day and a few hours later XXXX charged me but that is n't what is reflected on my statement. It shows the XXXX charge being posted first which costs more than the amount that was available so it took the money I had deposited for XXXX resulting in a fee and then the XXXX got charged again so that also took a fee. I never got a notification from the Chase mobile app about the XXXX charge happening and I have overdraft protection on. I think this is predatory on behalf of Chase as i stated before it happens all the time and when I do overdraft the fees always snowball because Chase WILL post the larger charges first even if that was n't what popped up in recent activity first which should be ILLEGAL. The only explanation I was given was to start a check registar but I do n't even write checks. I guess I 'm not supposed to trust the Chase bank statement?? Furthermore it is my belief that Chase is purposefully posting charges to my account when I 'm low on funds to maximize the fees. The XXXX charge was done a few days prior but it can be taken out whenever. I 'm sure something in their system shows that pending in that waiting period for it finally show up in my bank account. I have money for the charge in another bank account as I do n't trust Chase with my money anymore so I rely on their notifications to be sent to alert me when they feel like taking money out. This is unacceptable and I will NOT back down.

Company response to consumer: Closed with monetary relief