vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
SPS bought my loan from XXXX a couple of years ago. This year, they began trying to raise my mortgage payment up to more than {$200.00} a month. When I asked for an explanation I got different answers from different reps. The first told me that XXXX County had contacted them and told them I had n't paid enough in taxes in 2015. I viewed my tax bill online and called the county tax assessor. Not true. I paid in full and early. The next rep told me that SPS had underescrowed and the {$200.00} more a month was to address the deficit. At the time, there was about {$1900.00} in my escrow account. NC allows lenders two months of escrowed amounts. My escrowed items are {$580.00} a month, so they already had more than required. But, it was either {$200.00} more a month or I needed to pay a lump sum of more than {$2000.00}. Other letters followed these conversations. One reached way back to when my loan originated with XXXX bank and gave me a balance that was about {$75000.00} more than I owed. Another letter said the extra escrow amounts would be spread over two years at about {$40.00} a month more. Another letter said they only needed to increase my payments by around {$30.00} a month. Today, I was told that SPS discovered I had overpaid and they issued me a check in XX/XX/XXXX. I never got one. Today, I was also told that there was a deficit of only {$41.00} in total. Throughout this I have continued to make my same payment of {$1500.00}. My account shows that my monthly payment is {$1600.00}. But, there is no balance carrying forward and no late penalty assessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I was discharged from a Chapter XXXX bankruptcy filed in XX/XX/XXXX. The reason I filed for a Chapter XXXX instead of Chapter XXXX bankruptcy was due to wanting to take all measures to keep my home. During the bankruptcy repayment period, my mortgage was sold to Nationstar. Upon the completion of the bankruptcy in XXXX, I contacted Nationstar to make sure that they had everything they needed in order for me to resume paying the mortgage now directly to Nationstar. During that call I was informed that they did not have record of me completing the bankruptcy and to call back later. I called XXXX more times during XXXX and XXXX, each time being told that they still did not have any record of me completing the bankruptcy and that I could not access the account online or receive statements. They told me that they could not give me any information because I was in bankruptcy. Nevertheless, I did begin to send them payments for the mortgage in the hopes that this would be resolved. 
To this date, I still have never received an account statement from Nationstar showing me what I owe overall or what my monthly payment should be or no record showing that the payments that I have sent have been applied to my principal loan amount. The last time that I called Nationstar stated that they would get notification on when I was out of bankruptcy and that they would be contacting me. On XXXX of the phone calls to Nationstar, they appeared to be very disorganized and told me that I had not being paying the mortgage and that I was in foreclosure. I called my attorney and his paralegal told me that Nationstar had approximately {$67000.00} in the trustees ' account that had not been collected or applied to my account. Due to the lack of communication and statements from Nationstar, I stopped sending payments as I had no idea where these payments were going or if they were even being applied to my account. 
On XX/XX/XXXX, I received a certified letter from Nationstar, stating that I am now {$22000.00} in arrears and I have until XXXX XXXX to cure this. Meanwhile, I still have yet to receive even XXXX statement from Nationstar showing my principal loan balance or any record of the status of my account. Upon receiving this letter I immediately contacted Nationstar to see what this was about and why I have not received any statements from them and their representative told me, " Yes, I see we are not sending you statements and I am not sure why. '' I want to pay my mortgage and provide a homestead for my family, but I do not have {$22000.00} in full to avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
I am writing to dispute U.S Auto Finance Account Number : XXXX on credit report number from XXXX, and XXXX, XXXX. The validity of the debt has not been proving/ and unverified. This vehicle was sold in an auction the balance listed on my credit report is incorrect. Please delete the account as they are in violation of my consumer rights under FDCPA..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I paid off my mortgage with Nationstar Miortgage in XXXX 2015. When I called to find out what the final payment was I was informed to send a few XXXX dollars more to cover additional interest that might be due. I was sent a refund check on XXXX/XXXX/15 for {$330.00} which bounced when I deposited in my bank. I was charged a {$12.00} returned item fee by my bank. I have contacted Nationstar numerous times and was told that the check would be resent to me. Finally today I got an email from the supervisor that I spoke to who now states that someone tried to cash the check twice and that if given approval they will reissue a check. I do not understand how a financial institution can bounce a check. In addition I have not received the Satisfaction of Mortgage document which I am now told it is my responsibility to obtain. I have had numerous mortgages and I own a number of homes and have never heard of such a thing. I am always sent the document as soon as it is recorded for which a fee is charged. I do not know what else to do to get the money that is due me and the document that I need to sell the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
XXXX claims to have sold the loan and servicing rights to an outfit called Select Portfolio Servicing, but after calling I have learned that the new lender and servicing company have no record of me or my account. I am convinced that payments sent to the new servicer will not be credited properly. They do not even have a Website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
our lender ( Ditech Mortgage Corp ) did not pay our impounded property taxes as per the scheduled payment due. Now we are in default to the tax board with penalties. this came up today when trying to finalize a refinance loan. this issue is delaying the closing and will affect my rate. this needs to be resolved asap please.

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 2016-02-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OK

Complaint narrative:
In XXXX of XXXX I was given a loan for a single width mobile home through XXXX Mortgage. They switched it to Green Tree XXXX and next to Ditech. The home started deteriorating in 10 years and is now unsafe to live in as I have had electrical problems and many of the pipes are broken where the bathtub and faucets in the master bathroom are not functioning. The floor under the shower has completely caved in, windows are crooked and allow flies to get into the house in warm weather. Most of the floors have buckled under the legs of furniture and the rain has caused the areas around the windows to buckle. Walls are little more than cardboard. I believe the flooring is waferboard and unfit to for flooring foundation. When I tried to trade this XXXX XXXX, the dealer at the XXXX in XXXX told me he could n't because the house is worth much less than what I owe and that this sounded like a Predatory Mortgage Loan. He said that mobile homes do not have 30 year mortgages because they do n't last that long. He said my loan should have been a 15 year loan at the most. Also, right before Ditech took the predatory loan over, they added about {$100.00} to my monthly payments which went from {$360.00} to {$460.00} a month. Ditech claims the {$100.00} is for insurance, however, as of yet they have repaired nothing although I have made several claims. I was also told I should complain because when they put the mobile home on my property, they did not put it on a cement foundation and instead put it on the ground which has caused the home to sink. Renters have rights, therefore, mortgage holders should also have rights if the predatory lenders do not offer to repair wear and tear on a mobile home. I can not come out of pocket for much because of the monthly payment inflicted on me. I would like to take this to the courts to get justice. Everyone is saying I should not be paying anything. I have taken pictures to back up all my allegations in this complaint. The interest rates are too high, as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I executed a cash for keys agreement with Greentree as part of the Deed-In-Lieu of foreclosure agreement. Now Greentree is unwilling to pay me the {$3000.00} amount that was agreed to by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
My mortgage processor is sending me a NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT when i 'm not even 3 months ( 90 days ) late on my mortgage. In addition, my mortgage is due on the first of each month with late fees starting on the XXXX of each month and a grace period until the end of the month. Therefore, Ditech ( my mortgage processor ) starts calculating my loan is late on the XXXX and issues me a NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT on the XXXX of the month. As a result, I have 90 days before I even suppose to get such a letter which was send to me in 60 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OK

Complaint narrative:
my father passed away in XXXX with no will my family hired an attorney and did a succession in XXXX all his assets went to all of his kids we was never contacted by green tree lending company that my father had a mortgage with their company I found out years later the couple living in the house told me the mortgage payment is in my fathers name still. I contacted the company and sent all information need they said they knew he was deceased but would not give me any information about the loan said I was n't on the list to receive any information even though I 'm his son.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
i have a XXXX mortgage on my property that was transferred to greentree servicing on XX/XX/2013 and i subsequently have paid the XXXX $ speedpay payment ever since.They recently paid me back XXXX $ for the last 3 months.My question is under their recent settlement with the CFPB are they going to refund all those speedpay payments?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-03 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: Meade & Associates, Inc.
State: OH

Complaint narrative:
This company never informed me of any such debt but has accounts in my name on my credit report from XXXX. I have reached out to this company years ago XXXX/XXXX/XXXX to get this removed and I was told it was taken care of. Today XXXX/XXXX/XXXX I speak with a XXXX at this office and I am giving her information about this account and she acts rude as if she did n't want to give me her name and cuts me off several times before I can finish my full story. Then she just leaves the phone and put another person on the phone playing as a manager. XXXX XXXX. He was a better listener to my concerned however all information he provided of me was INVAILD. The medical bill that I was being billed for he did n't even have my insurance information correct. But tells me he ca n't do anything to resolve the information. All collections agencies by law are suppose to provide me such information showing what I owe how and why. He did not offer a dispute to contact the original biller or anything. He listen to what I had to say but came across unhelpful and extremely rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
I paid anywhere from $ XXXX a month above my actual payment amount to Ditech. Per my loan agreement and their web site, the extra money should be applied against the principal. Instead, Ditech applied the funds to an " unappropriated '' funds account, where the money sat with no interest earned or, more importantly, applied to the principal owed. This is clearly a breech of contract on Ditech 's part. They refuse to answer four written inquiries for explanation and/or resolution.

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 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I refinanced a mortgage loan ( Loan No. XXXX ) with Ditech Financial llc in XXXX 2016. I made my correct monthly payment of {$670.00} on XXXX XXXX, 2016. This payment reflected my previous payment of {$310.00} to cover an escrow shortage as requested in Ditech Escrow Account Disclosure Statement dated XXXX/XXXX/2016. As part of the refinancing process, I received an email from XXXX XXXX at the Originations Operations, located in XXXX, CA, instructing me to submit {$26.00} for an escrow adjustment. I sent that payment on XXXX XXXX, 2016. Ditech for some reason applied {$19.00} of this amount as a late fee. I contacted Ditech ( XXXX in South Dakota ) who said she would correct this transaction. I also notified XXXX XXXX and informed her of this error. XXXX replied to me in an email dated XXXX XXXX, 2016 ( XXXX ) : " For your information, you do not have late fees on your account and {$26.00} was not applied towards late fees, it was applied to your XXXX mortgage payment ... and were applied towards escrow account ''. After this correspondence I also contacted XXXX ( XXXX XXXX, MO ), XXXX ( South Dakota ), and XXXX ( XXXX XXXX, MO ) regarding getting this error corrected. All replied that they would involve their supervisors in correcting this error. I was also advised to contact Ditech via email to further emphasize the need for action. Today ( XXXX XXXX, 2016 ) a letter from Ditech explaining that my payment of {$26.00} was considered " late '' and therefore a late fee of {$19.00} was properly assessed. 

So after all these months Ditech is still unable to correctly understand the issue, nor are they able to correct the inappropriately applied funds. I am frustrated that Ditech personnel appear to be unable to make corrections in their system. Each person I have spoken to agrees that the funds were misapplied, but it appears the customer service reps are located in remote areas and have little or no contact with the main organization.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
For the 2nd time in a year, Ditech has issued me a notice of non-payment on my mortgage. They have added a {$40.00} late charge and threatened to report the non-payment to credit reporting agencies. Because of the TERRIBLE on-line reputation of this company, I have been sending my monthly mortgage via USPS Certified Mail. 

Once again I am being told the funds have not been taken from my account so I am late. I have provided the USPS tracking number and the Ditech representative verified the USPS delivery. They still say it is not their problem and I am responsible for their inept handling of financial documents. 

I told Ditech I was willing to re-send the payment provided they credited my account the {$40.00} late charge and a {$39.00} stop payment fee. They refused and maintain the check has not cleared the bank so I never made the payment and consequently, I owe them the money and my tardiness will be reported to credit agencies. 

Ditech has independent confirmation of delivery via the USPS Certified Mail tracking system that my payment was delivered to their post office box in a timely manner. Courts of competent jurisdiction have ruled this independent confirmation is valid. The check got to them. They lost it. They need to cover any costs of replacement and not to report any deficiency. 

These folks have a TERRIBLE online reputation for financial shenanigans like this. The last time they pulled this on me, I objected and they ended up finding the check, crediting my account, and removing the late fee. I hope there will be some type of class action against them in the future to provide an impetus to straighten out their shoddy business practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
XXXX erroneously reported that I was XXXX days past due on my mortgage when I paid on XX/XX/XXXX over the phone and payment was credited the same day. They are crooks and should be fined and I am demanding that they immediately correct my credit report. 

DITECH FINANCIAL LLC has flagged your account as XXXX Days Past Due. 
XX/XX/XXXX Alert Date XXXX Source EXPERIAN XXXX DITECH FINANCIAL LLC Payment Status XXXX Days Past Due Status Date XX/XX/2016 Balance {$180000.00} Balance Date XXXX Address XXXX XXXX, MN 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 2016-09-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I received a check from the CFPB Civil Penalty fund for CFPB V. Green Tree Servicing. ( Tracking # XXXX ). I read the letter and the case. I understand that {$18.00} XXXX was paid into the CFPB Civil Penalty Fund from which I was paid from. The case states there was also a payment from Green Tree of {$30.00} XXXX for violations regarding in process loan modifications. I would like to submit a claim for the repayment of the offense from this {$30.00} XXXX account. How do I go about submitting a claim to be compensated from this fund?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
This account was added to my credit bureau on XXXX XXXX XXXX after being notified this was included in chapter XXXX bankruptcy XXXX XX/XX/2013. I 've had a representative call me after the fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I requested my mortgage servicing company to cancel my escrow account be my mortgage payments continue to escalate over several years until now we can not afford the payments on the loan for the current year of XXXX. We submitted a request in XXXX XXXX. I was told since we have a conventional loan a written request must be faxed or mailed. I sent the request through a fax letter with the loan number. This company police holds {$700.00} in reserve fund above the total amount it disbursed for property taxes and insurance. We are now finding it hard to make new loan balance payment each month for year XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech is illegally foreclosing on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief