vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I have a 7 day grace period ; however I receive non stop calls on cell/home/work numbers from XXXX the day payment is due until I pay. Where is the grace period? 

I am left messages stating it 's in my best interest to contact them ASAP. Company name Green Tree XXXX. XXXX from Green Tree XXXX and XXXX as well as several other numbers she has called from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: NC

Complaint narrative:
My son acquired a student loan but was unable to finish school. ( attended XXXX out of the XXXX months ) The school collected the entire amount of the loan. He defaulted on his loan and it fell back on me. I attempted to make payments but my wife was not working at the time and all of our bills fell on my shoulders. I contacted XXXX XXXX but they only lowered the monthly amount due by a few dollars. I contacted them again with no result. The loan grew to double the amount from XXXX up to XXXX. I 'm still on my own paying bills and can not afford the amount that they are garnishing from my wages every XXXX weeks. I have not received a raise in XXXX years. All of our medical, dental, vision, homeowners and automotive insurance is taken out of my pay. Water, electric, gas etc is also what I pay each month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I sent Green Tree a payment for XXXX and XXXX and a late fee for XXXX. Green Tree credited XXXX payment but put the late fee and XXXX payment toward an extra principal payment for XXXX, so now they 've made my XXXX payment late and I have another late fee! I have tried to contact them by phone but it is impossible. No matter which number I call or button I push or what I say to the automated system it ends the same, a robotic voice says " you 've reached an invalid extension " and then it hangs up. Green Tree 's customer service is non existent. Green Tree is evil.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I have a penny mac online user id for my monthly payments which only i have access to. I have used my same bank information until my XX/XX/XXXX payment rejected because on XX/XX/XXXX my husband called to make an escrow payment with an agent. The payment was made using his account information. My XX/XX/XXXX payment rejected because my online stored account was changed by penny mac during the assisted payment and they failed to notify my husband or i. Yes, i submit my online payment, however the site does not disclose my full bank account information, and i was never made aware that penny mac had access to change my personal bank information without notifying me. Reason my payment rejected. Breach of privacy. Penny mac is refusing to rectify, confirmed it was their error. Have been giving me the run around, failed to call me back as promised. XXXX XXXX promised a call, never did. I was decline a higher up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ECMC GROUP, INC.
State: MD

Complaint narrative:
Debt continues to remain in collection status on my credit when balance has been paid in full.

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 2016-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
DITECH FINANCIAL LLC applied my payments for XXXX and XXXX to an incorrect account. It took 3 months for us to get them to correct the issue and apply the payment to the correct account. Now it seems they have reported us as 30 days late for the XXXX payment with the credit reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Received " robo call '' stating to call " DITECH, A DEBIT COLLECTION AGENCY '' gave me a # to call ... called the # given, " non-working # '' Called # on my caller ID. Phone answered, I asked whom I was speaking w/ & the name of the company. Female on line said " I will not give you any information ... We are trying to contact XXXX or XXXX '', I stated that I was neither of those XXXX. told '' I would be removed from system '' have had similar calls in past stating that I would be removed, only not to be removed. Call I received call from was XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
We are have been trying do a loan modification through a loss mitigation application with Green Tree Servicing now Dietech Financial, LLC. since at least XXXX 2015!!! We had a court date with a attorney representing Dietech and a XXXX XXXX courthouse employee on XXXX/XXXX/2015. That meeting ended with an extension until XXXX/XXXX/2015, because we had received via U.S. Mail a request for XXXX more documents of information Dietech needed for the XXXX. time!!! Dietech gave us 30 days to get that information to them and we faxed them all the information before the deadline!!! Instead of Dietech sending me another letter to save time, our last representative during that time frame called me on the phone and told me to refax some of the documents that did not come through to them clearly and that was done that day or the next day at the latest!!! This was confirmed by my Dietech representative via an XXXX minute phone conversation that I generated on XXXX/XXXX/15, because on XXXX/XXXX/15, I received a letter from Dietech, stating that the loss mitigation application that they were reviewing will not be reviewed at this time, because they did not receive all the requested information which they did!!! Dietech continues to stall the loan modification process by telling us that the information that we sent them already had either expired or they did not receive it all which they have, because the faxes went through to the right number!!! This is at least the third time that they have done this since XXXX 2015!!!

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 2016-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I closed on a home with a VA loan on XXXX XXXX, 2016. My first mortgage payment was due XXXX XXXX, 2016. I paid my mortgage and extra principal early with a check date of XXXX/XXXX/16. The check was cashed by XXXX XXXX on XXXX/XXXX/16. During the time period from XXXX/XXXX/16 to XXXX/XXXX/16 XXXX sold my mortgage to Ditech. Ditech gave me credit for my payment on XXXX/XXXX/16 and not the original date when the check was cashed. I sent in proof information ( bank statement, copy of the check, etc ) through a link Ditech provided to make Ditech give me credit on the date the check was cashed. However, Ditech said I never sent in the information and said that they would not backdate my payment. I paid my mortgage amount of {$1000.00} plus another {$1000.00} for extra principal. I am XXXX years old and have amortized out paying my mortgage in 10 years. So it is important to me that I get credit for the correct date my check was cashed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: UT

Complaint narrative:
I paid off my financed vehicle early (ahead of the loan maturity date) at full non-discounted price, and still not have received my title after a month has passed. I need the title desperately, so I can re-register it in my new state as I recently moved (and my old state registration has lapsed). After 20 Business days and counting, I just learned they (DriveTime) only now released their lien and requested a new title yesterday with the old state I had lived. I am advised this can be a few more weeks before I receive my title which will be multiple months after I paid in full? This is ridiculous mishandling of the closing process especially since I requested it to be expedited.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LAND HOME FINANCIAL SERVICES
State: CA

Complaint narrative:
several issues. 
forced me into FHA after forcibly holding up a refi which finalyl closed after my purchase. 
due to teh holdup-my debt/income ratio forced me out of conventional and into FHA ( or I would have lost the new home purchase ) second issue-they are holding over $ XXXX TOO much out for escrow account. 
third-they have on at least XXXX occasions admitedly recieved my payment on time but still charged me a late fee until i called them on it. 
they stated clearly they got payment on time but didnt post the payment until after it was late..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: CA

Complaint narrative:
We have attempted to leave several messages, emails regarding this account. XXXX is currently in the United States XXXX and I am personally paying on this student loan and they are threatening to send it to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
To Whom It May Concern, I have been dealing with my mortgage servicer for the past three years or so in hopes of discovering who the actual holder or beneficiary of my mortgage loan. To date, I have not been successful. I do not believe that PennyMac has been truthful with me and I do not believe they have a legal or proper interest or claim in my property as they have alleged. Over the past month, I realized that my loan transaction was never consummated pursuant to the laws of California due to the fact that my lender, the true source of funds for my loan, was never disclosed to me. Because my loan was never consummated, I understood that I could exercise my rescission rights. On XXXX XXXX, 2015, I faxed and mailed a letter of rescission to PennyMac. PennyMac acknowledged receipt of my letter but has failed to comply with the Federal Truth In Lending Act. Under the Act, if PennyMac wanted to challenge my rescission, they had to have filed a lawsuit within 20 days after receiving my letter of rescission. PennyMac received my letter of rescission on XXXX XXXX, 2015. The twenty day period has long passed and PennyMac has failed to either a file a complaint or comply with the Act. I am filing this complaint because they repeatedly choose to ignore and adhere to state and federal law and I believe they need to face some kind of disciplinary action and to comply with federal and state laws. If nothing is done, I believe they will continue to do what they want and not what the laws states they must do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
We have a mortgage through PennyMac. My husband has not worked for 5 years now and he is not really able to work now because of health issues. He called PennyMac and asked them about removing the PMI from our loan to lower the payment. In the conversation, the person he was speaking to told him that he would be better off if he missed a payment, that way he would qualify for some of the new programs that help people who are behind in the payments. So we talked about it and decided to do that and then we used the money to pay some utility bills that were in arrears. Then they told us that we did n't qualify for any of the new programs and started being very aggressive about collecting the payment that we missed. Now, each month, they show that we are 30 days late on our payment. That 's 4 months that we have on my husband 's credit that shows we are 30 days late on the mortgage which makes it so that we ca n't do a VA loan to get the PMI off our payment. This month they sent us a letter saying they were going to foreclose because of the missed payment. My husband told them he only missed it because they told him to miss it but they said " No, we would never have told you that. '' We do not have the money to make up the late payment, but there should be someway they could put that payment on the end of our mortgage and remove the 30 days late notices they 've been putting on our credit so that maybe we could refinance and pay some of our bills and still have a mortgage payment we can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: COMMERCE BANK
State: KS

Complaint narrative:
I had an account opened a XXXX Credit Card ( I believe, it may have been a debit card ) at Commerce Bank, without ever asking for it, similar to those who had accounts opened at XXXX XXXX. This card was offered to me every time I went into the branches, so I know it 's something they were pushing. Without anyone reporting this, we 'll never know if this was one person 's mistake, or a bigger issue, so I want to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
When closing for my home mortgage on the property at XXXX MD XXXX. I closed with a mortgage company who after my closing sold my Mortgage to PennyMac. During closing I was told to purchase home owners insurance on the property which I did. For the value of {$390000.00} i was only required to have {$330000.00} of coverage as what was estimated at far market value to replace the home. Today XX/XX/2017 I received a letter from PennyMac istructing me that I must increase my insure coverage ( the letter by the way was dated XX/XX/XXXX ). Upon speaking PennyMac on XX/XX/2017 they infomed me is must increase my coverage to {$5000.00} dollars past what is on the current loan. I was told that this was THEIR policy. If I did not do this then they said PennyMac would buy insurance for me. I believe this is in violation of my mortgage agreement that I signed at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
TSC is non-responsive and is not providing any form of verification, either in this or the other responses, nor over the phone. What XXXX XXXX provided is simply a copy of a bill in my name. I believe this bill was made in error and have requested proof that I was the one that received this service. A simple bill with my name on it does not prove this is my bill. As it is not my responsibility to prove this debt, I consider this debt invalid until TSC can prove that this is my debt and not an error on their side or the originator of this bills side. 

My Rights Under California 's Fair Debt Collection Practices Act and TITLE 15 -- COMMERCE AND TRADE, state that I must be provided proof that I owe the debt. Simply providing a bill with my name on it is not proof of responsibility. The fact that TSC states that they " believe '' this " account is accurate '' is just their opinion, not proof or validation of the debt. As such TSC is violating my rights. 

In addition, TSC has not proven that if this is even a valid debt, that they have been assigned the debt for collection. 

As I stated before, the continued reporting of account, # XXXX, for the current amount of {$220.00}, without all the above validation has caused me harm, and will continue to cause harm. As I have now brought this to their attention multiple times, and their refusal to remove this from my report until such time as they can provide debt validation, is a violation of my rights under the California 's Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Re : case # XXXX : XXXX complaint is in response to the above loan. I have previously registered a complaint in regards to this issue. As a result I only received a refund of {$1100.00} instead of $ XXXXThe money was kept for XXXX months and they only paid the refund after the complaint was made. 
PennyMac stated they have applied the balance to my escrow account. They can not do that and they had to refund my whole amount. On the other hand they have increased my monthly payments saying that there is a shortage of escrow. Kindly look into this and help us out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I Initially contacted PennyMac to terminate my PMI. They are stating they requiring an appraisal even though, from what I understand, if my loan reaches XXXX % of the original appraised property value, they need to terminate immediately. My loan is currently ~XXXX % of the originally appraised value. 

They have not responded to me pointing out this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Capital Management Services, LP
State: NC

Complaint narrative:
XXXX sold my debt to XXXX management. I fell behind on a payment and before I could settle they sold the debt. So I feel they are n't the ones to be paid. Although the they have received payments from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: BlueChip Financial
State: CA

Complaint narrative:
I requested and received a {$400.00} payday loan from XXXX on XX/XX/XXXX. I lost my job on XX/XX/XXXX however I continued to make my payments of {$71.00}, twice per month as agreed because I could not do more to pay off the loan. I did notify them and they would not work with me to reduce interest or to stop interest charges. Although they did not argue that I could not make a payment XX/XX/XXXX, they are now charging me approximately {$130.00} per month with just a few dollars going toward the principal balance. I am still unemployed and not from a lack of diligently seeking employment. I have to borrow money to pay this loan! I have asked XXXX to work with me but they will not. To date, I have paid XXXX approximately {$630.00} and they told me that they would be charging me {$130.00} for another 8 months or so!

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 2016-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services
State: FL

Complaint narrative:
I checked my loan payment history and discovered that my interest paid each month varies significantly, sometimes as much as XXXX %. My principal is not going down as fast as it should. I am set up on an automatic payment plan so payment is made same time each month, no late fees.

Company response to consumer: Closed with explanation