vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Tuesday, XX/XX/2016 To whom it may concern ; After I refinanced my house under HAMP, my property taxes were impounded by the mortgage company despite my low loan to value ratio. After 6 years of good payment history on my part, the lender informed me that THEY had not been collecting enough to cover my taxes. During this time of " under paid '' taxes I had sent a minimum of double what they told me were my mortgage payment obligations. Now that they have discovered their mistake they have told me that they will be tripling my payment to collect the difference. Their mistake is putting me in jeopardy of losing my house! I have tried to work out this issue with the lender, but they refuse to re-amortize my loan, and are demanding the tax deficit be repaid over 6 months, putting me in this difficult position. What makes this situation truly outrageous is that I sent more than enough money to cover my mortgage and taxes during the time in question, but because of their mistake they did not allocate enough money for my taxes. When I paid the taxes myself I did not have this issue, but now, thanks to their " help '' I am faced with a mortgage that will be difficult for me to pay. If they were trying to steal my house they could not have come up with a more effective scheme. 
Please help. I have spent the last 6 months ( XX/XX/2016-XX/XX/2016 ) trying to resolve this issue myself with no results. 

mortgage info below : Ditech ( XXXX Ditech Company )

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 2016-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: NC

Complaint narrative:
Peoples Finance XXXX SC has repeatedly called my home phone XXXX. My husband passed XX/XX/2016. XXXX. The collectors called me everyday sometimes XXXX times a day. I had to remove the phone from the room. The phone needed to be charged but I could not get it charged because of their calls starting at XXXX til XXXX. These people were named XXXX, XXXX and XXXX. They did follow me around town and stalked me in stores when my family was out and about. I knew it was them because the SC license plates. They called until my husband passed and had no sympathy when they called and I told them he passed. XXXX XXXX is working on some credit issues I have and I have already inform them as well. I wish they were more sympathetic because I owe them XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
Several months ago I began pursuing a modification with DiTech Mortgage so I could keep my home. On XXXX/XXXX/XXXX I spoke with XXXX XXXX. He told me the documents they had recently requested had been received and nothing else was needed. I asked him if there was any other info I needed, he said 'no '. On XXXX/XXXX/XXXX I spoke with XXXX XXXX XXXX XXXX who told me there was a huge list of documents I needed as of XXXX/XXXX/XXXX, the very day I was told they had everything they needed. He also told me I had a sale date on my home for XXXX/XXXX/XXXX. I asked when the sale had been scheduled but he could n't tell me. I asked why I was n't informed of this on my call on XXXX/XXXX/XXXX. He did n't know that either. The same day, XXXX/XXXX/XXXX, I called back and spoke to XXXX XXXX who then told me that there was no sale date on the file and that XXXX XXXX ext XXXX was incorrect when he told me that my home would be sold on XXXX/XXXX/XXXX. Ditech is doing everything they can to steal my home without giving me a chance to get current. I 'm working with them in good faith, and they 're XXXX me around and driving me insane. They are either incompetent or liars, and either way their policies and my file should be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
XX/XX/XXXX, Ditech Financial LLC submitted to my bank a payment in the amount of {$660.00}. They were only authorized a monthly payment of {$190.00}. As a result, of the {$660.00} submission it overdrew my checking account. Subsequently, another account was affected and XXXX overdraft fees were added to my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 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: SKO Brenner American, Inc.
State: PA

Complaint narrative:
I have repeatedly expressed my desire to cancel this order to XXXX. I called several times and each time the rep said yes we will cancel the order. So when they sent an invoice/bill, I returned it stating yet again I cancelled the order. They sent the merchandise ANYWAY. I am under no obligation to pay for a " gift ''. When the collection agency contacted me, I AGAIN stated my communication process and sent their invoice back with a written statement explaining that this was not a product I requested and therefore have no intention of paying for it. This was sent by certified mail and I have the receipt that this was signed for and received. 
I have received ANOTHER REQUEST FOR PAYMENT from this same collection agency with the threat that this will affect my credit file. Enough! This now borders on harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
The mortgage company is not applying payment correctly then assessing late fee to the account. Then I have to call and ask them to apply the payment correctly and told it will take 5 business days to do a simple transaction of re-allocating the fund.

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 2015-05-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I sold my home short sale on XX/XX/XXXX. Between XXXX and XX/XX/XXXX I received documents from GreenTree Servicing stating the loan had been paid in full, a satisfaction or release of mortgage, and the consumer note marked " PAID IN FULL ''. I am still, to this day, receiving phone calls from GrrenTree collectors trying to collect. I have even faxed these documents to GreenTree but still the calls continue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Enclosed is a letter explainging dire urgency of issues. Around XXXX XXXX XXXX XXXX and myself were with USAA BANK and INSURANCE for CAR and RENTAL. 
XXXX been a member for over 20 years. We had noticed large amounts of money missing from our checking accounts. We made several calls to USAA bank about the issues. USAA BANK was of little help. 
In fact at one point they a USAA customer service person said that we should look at each other as the culprits. It was at that time, I decided to open up a seprete USAA checking account in my own name to monitor issues. And in next few weeks more and more money from accounts ended up missing. It was n't until around XXXX XXXX that we started get answers when a boyfriend of a friend came forward and told us that he knew his boyfriend had been using our information and cards and that he had several convictions against him for credit card fraud and being in caught possession with other peoples credit and or debit cards. The boyfriend of our friend who was doing this to us left a message for the boyfriend were he admitted using us and others and did n't care. He was also renting out his garage to well over 6 homeless or other people and taking their SSI checks. The person who had been stealing from us also had someone show up XXXX at our door which a neighbor saw this and called the police. As well he started many disturbances knowing that we were going to be filing a police report. The loss was greater than we could even imagine around end of XXXX it was around {$20000.00} plus. We also found out the person who had been getting into our accounts had an operation running credit cards from state to state. We knew very little if nothing about account tampering, credit card fraud or anything of the like, so XXXX XXXX called USAA to warn them of all that was going on and that the person doing this had got into our accounts and we were unclear of what they could do to any other accounts at USAA as we said we were just learning about dealing with this stuff. I was asleep when XXXX got USAA employee XXXX XXXX XXXX XXXX XXXX ) on phone. As he proceeded to tell her what was going on I could hear her shriek while waking me up and causing me to go into the other room, she said WHAT DO YOU WANT FROM US. Only she did not use those words. They were much more harsh. And proceeded to rant. It took quite a while for XXXX to explain our situation and that we were calling to let them know what was going on with our accounts and wanted warn them in case the person who done this could harm any other USAA customers with the information we had. After a while of going back and forth, she finally said for us to go to police station fill out a report and let them know what charges were not ours from checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My mortgage servicer, Ditech is doing dual tracking. They have started foreclosure proceedings while still evaluating me for a loan modification. In addition, they started foreclosure proceedings after I turned in all the paperwork and was waiting for a response to my loan modification. They then stated that I had not turned in the appropriate paperwork and then asked for paperwork I had previously submitted. Then they sent back XXXX because it was missing a date two months after I had submitted it and without anybody ever advising me that it was not filled out correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: MD

Complaint narrative:
DEBT RECOVERY SOLUTIONS , LLC, XXXX XXXX, XXXX, NY XXXX : ( XXXX ) XXXX is reporting a {$0.00} balance on for an account # XXXX on my credit report that has already been paid to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX for the same account. The account with Debt Recovery Solutions was disputed with XXXX as not belonging to me as the debt has been paid. The amount on the report was {$600.00} and was updated to {$0.00} but still remains on my report. It is incorrect to for the Debt Recovery account to remain on my credit file as this debt was never paid or owed to them.

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 2016-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
Our loan was sold to everhome. Fines for online or phone payments added to " fees '' instead of debit from Bank account. Snowballed amount. Payments would be sent a month early but somehow would n't post until after the grace period, late charge. Note went up. Sold to Greentree, had fines attached, note went up more. Now sold to ditech, note {$400.00} more than original fixed rate loan, had thousands of fees. Was told not to make payment for XX/XX/XXXX and XX/XX/XXXX to qualify for trial loan modification. Made the 3 trial payments, was told papers had to be in XXXX XXXX, on XXXX XXXX I received the package, with someone else 's modification paperwork. Called, spoke to XXXX people, no answers, emailed account manager, no answer, typed letter and enclosed with wrong paperwork requesting my paperwork. A month later, all I 've received is a visit because I 'm " in default '' and multiple calls where I ca n't get answers. Please help! It 's a va loan, the modification payment is our original payment, it 's doable. If we could just get the correct paperwork!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
filed s previous complaint # XXXX Shellpoint Mortgage Serviving. 
Shellpoint responded explaining what they could do and how shellpoint sent me an authorization to sign then they responded laying out what they would do. 
They did nothing the credit agencies reported for XXXX day and removedany thing to do with Shellpoint. Shellpoint is messing with our lives ourcredit reports this is causing a rollercoaster with our creditscores.

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 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My husband and I purchased a home for {$98000.00} with XXXX down, we financed {$96000.00} at 9.25 % interest rate upon which we now owe {$94000.00}, and now that we are ready to refinance our current mortgage company is refusing to accept a refinance unless the entire interest for the life of the 30 year loan is paid ( interest fees at 30 yrs 9.25 % = {$180000.00} ) in addition to the current balance of principle owed. Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
All my derogatory marks were off my credit report one day i answered the phone it was a debt collector has to be over 2 1/2 years ago. It probably was an XXXX visit. well all of sudden it 's back on my credit report XXXX derogatory marks and they say the date was XXXX 2016. I do n't have any new debts in over 2 1/2 years. what should I do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: Ability Recovery Services, LLC
State: MI

Complaint narrative:
My credit report shows a collection from Ability Recovery Services that I do not owe. I have made repeated attempts to clear this up and the company refuses to stop reporting on my credit report. The continuously update the account in a shady attempt to lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
Commonwealth Financial and XXXX XXXX are reporting debt on the same account. The account was paid XXXX 2014 to Commonwealth Financial. I have supporting documentation to support my claim. I have faxed this information to all credit bureaus including XXXX XXXX and each time I am told my information has not been received. I also mailed documentation to XXXX and XXXX via XXXX still with no result. I have done the responsible thing by paying my debt and yet it shows that I still owe on this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: D2 Management LLC
State: TX

Complaint narrative:
I receive a call from a number XXXX. I was advised I owe XXXX auto loan with D2 management. The lady told me she review my credit i have no judgements or liens on my credit report. I do not have none of my documents at all. I have a Protection Identity Number and Fraud Alert on my credit report. The lady did not want to listen to me. She got mad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Our mortgage servicer, XXXX XXXX XXXX, sold our mortgage to Shellpoint Mortgage Servicing in XXXX 2016. We sold our house at the end of XXXX. Our title company ( XXXX XXXX here in XXXX ) paid off the exact amount owed to Shellpoint to pay off the mortgage in full. We received a letter from Shellpoint in XXXX stating we had to provide proof of homeowner 's insurance. I called Shellpoint. The rep would not identify herself. She stated that we still owed about {$1600.00} on the mortgage to consider it paid off in full. I advised that we paid off the exact amount due and she stated we still had a mortgage and had to buy homeowner 's. Shellpoint has put a derogatory comment on my credit record and will not remove it. This of course will affect my ability to buy another home, car or any other large purchase. I believe BofA did not supply full information about our loan, including the payoff amount due. I have no idea why Shellpoint says we still owe money. I did not get an answer and ca n't get anyone to talk to me about explaining this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 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: The CMI Group, Inc.
State: ID

Complaint narrative:
I have a telephone bill listed with the credit agency 's that is more than 6 yrs. old. However the company ( Credit Management , L.P. ) listed the bill as being from XXXX. I contacted them through email and requested a statement so I could pay the bill. I received a 50 % OFF DISCOUNT OFFER. I chose to accept the offer of {$120.00} and mailed payment on XXXX/XXXX/XXXX. The original account was {$240.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX ). To date the XXXX credit agency 's have not removed the negative information. Credit Management gave me a Reference # XXXX which I listed in addition to the above number on the XXXX XXXX XXXX XXXX. The reason I am now writing is because all the other bills I paid that day have applied to my previous balances, credit card, XXXX XXXX, etc. etc. BUT I do not see the credit company 's reflecting payment and a closed account. Thank You.

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 2016-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I have been receiving calls for years from debt collectors looking for XXXX XXXX, XXXX XXXX, or other given names with the surname of XXXX ( I am unsure if that is the correct spelling ). I had one call yesterday and two calls today. With the second phone call today I became billergerent and demanded that I be given the phone number that this person was calling from. That demand usually is met with a hangup, but this time I was given a number and informed that the company name was Credence Resource Management. My current number was originally unlisted and I listed it again over a year ago in the false hope that these calls would stop. I did state to the individul who called that if they would google the number they would see my name and not the : XXXX '' and that I would be filing a complaint.

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 non-monetary relief
Consumer complaint received 2015-04-21 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: Kriya Capital, LLC
State: CT

Complaint narrative:
I received a call from this company they did not have my correct address but said I owed XXXX for XXXX. I asked them XXXX XXXX for the address so I could send a debt verification letter via certified mail. She said the only address they had was a XXXX XXXX I told her I could not send it certified to a XXXX XXXX she then transferred me to XXXX XXXX a supervisor. At this point I felt this may be a fraud so I decided to try and record the call so I told XXXX XXXX that I was going to record the call to which he said if I did that he could no longer speak to me because they record the call for quality control I said well I am recording the call to make sure this was not fraud since I received nothing from them in the mail they did not have my correct address and for some reason could not give me a physical address to send a letter to. I them formally requested that they no longer contact me at work or on my cell and that all communication needed to be done via mail to which they said they will stop calling my work but would keep calling my cell until it was settled. I told them fine I would file a complaint and we would go from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
There 's a debt agency calling me everyday 6 times a day. Will not tell me who they represent or leave a voice message. They want me to give all of my info to them before they speak with me. I will not verify my information for a company I do not recognize.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief