vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I had a mobile home in XXXX - and moved west to XXXX. I had XXXX different people lease purchase and each one progressively destroyed the home more and more. I could not continue managing it and could not afford to fix it so I did voluntarily surrender the mobile home back to Green Tree. This was around XX/XX/2011. After they picked up the trailer a man called me and said I then owed them XXXX dollars and how would I like to pay it. I explained financially there is no way I could pay a lot. I agreed that day to XXXX/month. He told me they would review again in three months. I talked to that same man again three months later. He cautioned me to never miss or be late with a payment and I have not been late or missed since that time. Over the past year Green Tree Collections has become more and more aggressive and I stopped answering their calls. I am called in excess of XXXX times a week often more than XXXX time per day. I live in MT and I am called before XXXX even though I have told them my time zone. The last lady I physically talked to several months ago - asked me " what are your intentions '' I told her I intend to do the same as I have done for four years and continue to make the payment. She told me " well that is not an acceptable arrangement. '' I explained they have accepted it for several years now and continue to accept it. She began yelling at me - I hung up and will no longer answer their calls which are frequent and feel like harassment. 
Additionally I have NEVER received one thing in writing from them - nothing - since the repossession, until I filed a complaint with the credit bureau because Green Tree was not showing up on my credit at all - now it shows as delinquent and in bad standing even though I am paying what I initially agreed to and I will continue to pay what I agreed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Hello, I keep receiving phone calls and letters from Ditech financial for me to pay a loan I never obtained with them and they do not stop harrassing me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Assistance Corporation dba Revenue Group
State: GA

Complaint narrative:
To : Consumer Financial Protection Re : RevenueGroup Dear Sir or Madam, I was not pleased with the service that was rendered by XXXX XXXX XXXX. I have several reasons why I should not pay : 1. The work was not done within the three day nullifying the timeframe to accept orreject the service. The service was rendered almost two weeks after the agreement was signed. 
2. We were not informed we needed to move. 
3. Several attempts were made calling the inspector. When she finally answered, she came out and said this infestation was caused by leaks in the ceiling. Then proceeded to say we can kill the termites with XXXX. 
4. I was told I would receive a payment booklet. None of the papers I kept had what I should pay a month. Therefore, I was waiting for the payment book to send in a payment. I did not receive the payment book. Not long after, I received a threatening letter from XXXX. 
5. The work under the house was incomplete. 
6. I would have never paid anything if I did n't have intentions of following through on my end. However, the company did not follow through on their end. 
7. This account was unjustifiably turned over to your company. 
8. My payment should be returned to me.

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: CA

Complaint narrative:
Hello, Ditech received an refund from my county taxes on XX/XX/2016 and I only received a surplus check of {$120.00}. They are unable to communicate to me why my surplus is n't larger. I did not have a shortage on my account, I 've been current ever since they took my over my loan. I just do n't understand why I did n't get more of a surplus, when there 's a XXXX given to them by the county.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Was aghast at paying 66 % interest. I decided to pay the loan off within 25 days, yet was charged {$100.00} in interest and service fees. Local clerks and managers at the local store only referred me to their manager and refused to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
My name is XXXX XXXX I had a bankruptcy discharge all of my debt XXXX XXXX XXXX including a mortgage that I had initially took out with XXXX subsequent to that the loan was given to XXXX XXXX XXXX then ultimately to Greent Tree. Green tree contacted me inXXXX of XXXX asking if I wanted a loan modification they assured me that the had no intention of reporting any late payments to the credit bureaus because it was discharged, further ore I told them I would consider a loan modification subject to them sending me a letter stating such. They furthermore assured me that if I went thru the trial process and was approved upon me completing the trial period a new loan would be issued and any activity done as a result WOULD. Be reported to the credit bureaus. They even went as far as to say that since my modification was post bankruptcy there would be a new term date and it would be treated like a new loan. I just checked my credit report and there is no reporting of on time payments as promised, the new loan has a start date of XXXX XXXX XXXX final payoff XXXX XXXX XXXX. I contacted green tree this morning and was informed that this was not the case. They are refusing to stand behind their word that due to my bankruptcy being fully discharged the loan was considered new subsequently every payment I have made on my home is now NOT BEING REPORTED. They assured me by XXXX XXXX XXXX all my payments post XXXX XXXX XXXX would be reported to the credit agencies. Please assist me in making this bank do as they agree. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: KY

Complaint narrative:
My loan was transferred from XXXX XXXX XXXX XXXX Green Tree Services. Green Tree Services demanded that I pay the loan off in full, there were no other options. I explained to them that I had lost my job and I was working again, however I could n't pay out $ XXXX. The representatives were extremely rude and began threatening me. I told them my house was 'under water ' and there was no equity in my home. They said they would just charge the loan off and then hire someone to sue me. They advised that one way or another they would get their money. They began calling friends and family members as well. My mother said someone from Green Tree was extremely rude and indicated that I may lose my home. Green Tree also contacted my employer and indicated that I was behind on a mortgage. They never offered anything accept pay us or else. I am worried to death over this. I have XXXX small children and cant lose my home. Green Tree Recently charged off my 2nd mortgage. According to them the next step is to take me to court to file a judgment against me and garnish my wages. I cant afford to have my wages garnished for a 2nd mortgage that has no equity. Please help me. Please save my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: HI

Complaint narrative:
I have a mortgage with DITECH. I came out of XXXX XXXX bankruptcy on XXXX XXXX, 2016 and DITECH was notified of such on XXXX XXXX, 2016. However DITECH still has my account under bankruptcy status preventing me from being able to refinance. I had my attorney send DITECH a letter requesting change in status but there was no response. DITECH refuses to communicate with me. I need the status updated.

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 2016-04-13 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have been working with Di-Tech Financial in regards to my loan modification. I have sent numerous faxes followed up by many phone calls. Everytime I speak to someone, they always request the same information that was sent prior to my follow up. When I try to speak to an agent, their voicemails are full and I have to call back. I am usually on hold no less than 15 minutes only to find out the person I was speaking with is not the correct contact person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
My escrow account was debited twice for a single property tax payment. This error is reflected throughout my escrow account history up to the present day, and resulted in the assessment of a higher mortgage payment due to the escrow balance falling below the minimum requirement. The lender refuses to acknowledge the error, but did allude to data conversion issues during the time period in question.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Revenue Assistance Corporation dba Revenue Group
State: FL

Complaint narrative:
I was looking at a collection noticed I received and I noticed that a medical debt was transferred in my name to a 3rd party agency. I did not give permission for this third party to receive my medical information. This is a violation of my hippa privacy rights as I did not authorize my information to be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I refinanced my original mortgage once XXXX to get a lower interest rate, in that process XXXX loan separated a portion of the primary mortgage into a second mortgage, so instead of a 1st mortgage of {$110000.00}, I had a 1st mortgage of {$96000.00} and a second for {$18000.00}, the increase in amounts went towards paying the " closing '' fees of the refinance. 

When the housing crisis occurred, I was informed by my mortgage lender to cease making payments in order to qualify for home modification loan, since our house lost so much of its value. Unfortunately, that did n't happen ( was refused modification ) and I was left out to dry by HAMP, and ended up losing my home which was eventually foreclosed on in XXXX 2013 for {$88000.00} less than the entire mortgage of {$110000.00}. Since XXXX XXXX did n't inform me that I would lose the non-recourse status once they separated the XXXX loans, I learned during the foreclosure that I owed {$18000.00} on the second mortgage for a house I no longer own, and that just sold for {$24000.00}. 

I had to move out, find a new place to live, which was across the country, and had to struggle to regain lost wealth, etc ... Well my secondary mortgage from XXXX for {$18000.00} ended up being purchased by XXXX XXXX XXXX during the bailouts, and eventually ended up with the debt collection company Green Tree/XXXX 

I have offered to pay 10 % to settle, seeing everyone took a haircut due to the Housing Crash that I had zero to do with, and was instructed by my primary mortgage lender to stop making payments to qualify for HAMP, which landed me in eventual foreclosure. XXXX refuses to accept anything less than 50 % over the phone, I am just trying to settle for a reasonable amount of 20 % of the total due, which is {$18000.00}, in a XXXX lump sum payment. XXXX refuses and are unreasonable to not incorporate the facts of the situation when arriving at a solution on this debt. This refusal is costing me money in a lower credit score, and at second chance at being a homeowner once more - I am just trying to move on with my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: IN

Complaint narrative:
Debt Recovery Solutions , LLC indicated on my credit report that I owed them {$150.00} for a debt that was not mine. I suspect that the debt is my son 's because he has the same name and when I called them I confirmed that fact and asked that they remove the collection from my credit report. I was told they could not so when I asked to speak to a supervisor I was told to hold and after 20 minutes I was told I would receive a call back. That was at XXXX so when I did not receive a call back by XXXX I called back and was told that they returned all calls by XXXX same business day. I had not received a call back by XXXX so I called back again and was laughed at by the gentleman that answered my call who said that it was 10 minutes until closing and they had 48 hours to call me back, The next day I received a call at XXXX from somebody who refused to spell her name who literally bitched me out and threatened to hang up every other sentence and racially harassed me until I hung up on her. This is not my debt and I am suffering from a decreased credit score as a result of this company not doing their due diligence to ensure they are attacking the credit report of the correct person by either checking the SSN or date of birth of the party before they arbitrarily put a black mark on somebodies credit report and I demand somebody from our governing authority do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
XXXX and Green Tree Servicing Failure to Comply with TILA and FDCPASummary of Complaint : XXXX and subsequently Green Tree Servicing have not provided verifiable proof that they have legal standing to administer a loan modification or file a Default Judgment and suit under the Mortgage. XXXX and subsequently Green Tree Servicing has failed to provide adequate evidence that proves XXXX is the current legal owner and 'holder in due course ' of the debt under which they demand payment and have foreclosed. 
XXXX and subsequently Green Tree Servicing has filed a Complaint ( lawsuit ) in 2010 to foreclose on my investment/future retirement home in the State of South Carolina. Unfortunately the judge did not allow my Demand for Discovery and eventually a Judgment of Foreclosure was issued by the court. The case has been moved to the Master of Equity to administer the public sale of the property. 
Green Tree Servicing has offered loan modification and other loss mitigation options. I responded to Green Tree Servicing that I would like to apply for a loan modification but I could do so only if they provided evidence that proves who owns the debt. XXXX and Green Tree Servicing have failed to provide the requested information in failed to comply with TILA and FDCPA. It is my belief and based on documentation XXXX and Green Tree Servings filed in court and the county Registrar that the true legal owner the alleged debt 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 2015-06-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX 2015 I received a dunning letter dated XXXX XXXX 2015 from CFSI informing me that I owed them {$1300.00} on an alleged debt from a company called XXXX XXXX XXXX. I disputed this debt in it 's entirety the following week via certified means on XXXX XXXX 2015 as I have no clue to who CFSI is or XXXX XXXX XXXX. I have no contractual obligations nor have I had ANY obligations to either. To my complete horror and surprise CFSI reported this so-called debt on my XXXX report on XXXX XXXX. No response to my dispute whatsoever!! And they reported it at least XXXX weeks before the XXXX day period as prescribed by Federal Law. After doing some due dilligence on CSFI, ive come to realize that this method of extortion/fraud is their method of operation. This company has a vast record of breaking FDCPA laws. Please, by all means, just look it up for yourselves. Do n't take my word for it, it 's all over cyberspace for anyone to see.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
I have tried contacting them due to imposted payments! They hang up on me every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: D2 Management LLC
State: MO

Complaint narrative:
The agents I spoke to were not only incredibly rude, but also refused to identify what their company did until I verified my personal information. They were harrassing until the point where I verified the information they had, and then they refused to provide me with a bill showing the amount I owed. The supervisor I spoke to ( after being transferred by the first abusive agent ) said that they would be unable to provide me with any documentation until after I paid. I explained that I would not pay until I received notice about what it is I was to be paying ( to avoid shady collection scams ), and was told my account would be documented appropriately but that they had " already sent me enough bills over the years, '' none of which I have received.

Company response to consumer: Closed
Consumer complaint received 2016-12-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been going to a local Chase branch in XXXX NJ for the past six years, since the branch opened. I stop by a few times a months on my way to my son 's school to drop off a deposit at a teller. The account I have does not have a debit card, so I can not use the ATM. I have no problem using a teller and I have become friendly with the tellers that work there. I usually deposit checks, but once in a while I deposit a roll of coins. Coins can not be deposited over the internet or at a ATM, so waiting in line is my only choice. Recently, I stopped by and a new teller was working at the branch. I was deposited a check and one roll of nickels ( {$2.00} ). She asked me for my ATM card or ID. I have my work ID around my neck, which is what I usually show. She called over a manager, XXXX, and they refused my deposit. The manager claimed the {$2.00} roll of coins required a federal ID, such as a passport or birth certificate to deposit. It was to stop money laundering of cash. I explained I did not have ATM card on the account or a passport on my person. The manager became nasty and told me to leave the branch. I left and deposited the coin roll and check at the XXXX NJ branch without a problem. Two days later I came back to the XXXX NJ branch with another deposit and the regular teller was there and accepted it without a problem. 
My issue is that the federal ID requirement is waived if the customer is recognized, but enforced if the manager feels like it. My deposit slip with my customer information should be enough to deposit one or two rolls of coins. It is a deposit, not a withdrawal or cash exchange. I was always told that legal cash and coins are good at any bank. Making customers feel like criminals to place money INTO a bank is just poor customer service judgement, especially for a roll of pennies, nickels or dimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
a dispute the first dead and they can not verified so was deleted.and now they do another one for {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I am filing this complaint on behalf of my XXXX year old mom who lives alone and has XXXX. She continues to receive approximately 3 calls per day from phone number XXXX. When she answers the phone, they hang-up on her. I googled the phone number and found it to be associated with Commonwealth Financial, a debt collection agency. My mom has no debt and has always paid her bills in full and on-time. I tried contacting Commonwealth via the above phone number, but all I get is an automated message. If I select the option to speak to a live person, I automatically get hung-up on. I tried that several times to no avail.

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