vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: VT

Complaint narrative:
Greentree servicing fabricated a mortgage note in a foreclosure action against me. After many attempts to view original wet ink note i was finally allowed to do so last week. I have proof that it is fabricated. This will be addressed in our pending litigation. Additionallt Greetrees errors and negligence caused the alleged default and after repeated Q.W.R. and disputes still has failed to correct it. Their fraud should be prosecuted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
The creditor in question, Love, Beal & Nixon, PC ( hired by XXXX XXXX XXXX of XXXX, OK. ) continued to attempt collection from me on a credit card account I had no knowledge of AFTER I advised them I had secured an attorney. I have several of their FDCPA violations documented, including in a document I filed through the XXXX XXXX XXXX. Each time they violated the FDCPA and/or FCRA, I made them aware of violation ( s ) and advised them to contact my attorney. However, they continued to contact me ( by mail ) directly rather than contact my attorney. I provided Love, Beal & Nixon, PC with my attorney 's name and telephone number but they still continued to violate FDCPA rules with total disregard for my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I entered into a real estate installment contract with The XXXX XXXX for the purchase of a mobile home. The amount financed was XXXX and the interest was@9.50 % totaling a finance charge of XXXX for a contract total of XXXX. At some point in XXXX XXXX sold This contract to Green Tree Servicing. I received notice of this via a monthly statement from GT. I continued payments never missing one payment and incurring a late charge. On XXXX/XXXX/XXXX I received a notice from GT That my loan was seriously delinquent and I phoned GT and spoke to a XXXX XXXX who reviewed my account and informed me that my loan was, in fact, paid in full. She further stated that there was an error in the interest calculations. I made a total of XXXX payments totaling XXXX against a contract total of XXXX resulting in an over payment of XXXX. I therefore cancelled my last payment of XXXX and expected this matter to be taken care of. In XXXX of XXXX I spoke to a manager named XXXX XXXX who informed me that the error was recognized and would be corrected and written off. I heard nothing more from them until I received a letter from them dated XXXX/XXXX/XXXX stating that I owed them XXXX. I contacted the number on the letter and was informed that my account had been turned over for collection. They would not listen or accept any information to the contrary and wanted their payment. I refused to pay a debt that I did not owe. I called for XXXX XXXX, XXXX XXXX and a lady named XXXX and was unable to get in touch with anyone. Next I started receiving a multitude of calls from various collection agencies and explained to each of them that I did not owe this " debt '' finally the calls stopped. Today I received a letter from GT That showed a new creditor XXXX. and that it was an attempt to collect a debt. This is the operable straw that broke the camels back. Enough is Enough.I do not owe these people any money! If I had any inkling or could be shown any documentation that I did I would have paid them a long long time ago.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
Repeated phone calls from fortiva financial before XXXX and after XXXX. Atleast XXXX phone calls per day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Tormey Bewley Corporation
State: NM

Complaint narrative:
XXXX Group XXXXXXXXThey started calling me a couple of years ago claim that I owe them money but refuse to send me proof. Keep asking for my personal info so they can verify who I am. Told them if they wanted to verify who I was to send anything they had to say to me plus proof of claim/debt to me in the mail and if I got it and it was mine I would verify. They refuse. 
Some of the original calls said they were calling about an investment issue. I do n't have investments so I hung up on them. 
Still call constantly, blocked numbers, unknown names, cell phones. I have blocked them on all my phones. I think they are just a big bunch of scam artists.

Company response to consumer: Closed
Consumer complaint received 2015-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
In complaint XXXX, Green Tree responded that " As a customer courtesy, Green Tree is updating your account to report as current with the credit reporting agencies for the first 90 days of your account transferring to Green Tree from your prior servicer. '' They have not done so - XX/XX/XXXX and XX/XX/XXXX are still showing as " not reported '' at the major credit bureaus. 

As stated in that complaint, non-reporting creates a RICO-violating " racket '' by which customers are forced to patronize Green Tree Services without their consent. This is a criminal offense, and I would also like some advice from the CFPB in how to pursue pressing charges.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-30 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: Ditech Financial LLC
State: HI

Complaint narrative:
Green Tree has change the Charge Off date so that it does n't get drop off my credit report. 
It also has also lower my FICO Scores. It was charged off back in XX/XX/XXXX and they reported to credit bureaus to reflect an reset charge off date of XX/XX/XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MRS BPO, LLC
State: NM

Complaint narrative:
In preparation to buy a home I printed all XXXX of my credit reports on XXXX/XXXX/XXXX. XXXX reported a collection account of {$200.00}. I contacted the creditor XXXX XXXX XXXX XXXX XXXX XXXX and was told that account no longer existed. Two weeks later it was removed from my credit report. On XXXX XXXX, I received an alert that a new collection account had been added. The creditor only listed their name on my credit report but no contact info. After locating company info via internet, I contacted M.R.S. Associates to inform them that I never received any prior communication from them regarding the debt which is a violation of FCRA. I requested the call be recorded with rep XXXX. She stated they did not have my current address but I filed an official change of address with XXXX post office prior to moving to XXXX in XXXX XXXX. Despite their failure to properly notify me of this debt being placed with their office, I offered to pay the account in full but requested that the account be removed from my credit. XXXX reported that the company was not allowed to request info be removed. I requested to speak to manager to further discuss their unfair collection action. Spoke to XXXX and I again requested call be recorded. I again offered to pay the account in full if they would request info be removed from my credit reports, but was again told they could not do that. I strongly feel my FCRA rights have been violated because I was never given an opportunity to dispute the debt or pay it prior to me initiating the call today. They should not have been allowed to place account on my credit reports without sending me proper notification and allowing me to pay or dispute the debt. I again requested to speak with the next level manager, was placed on hold but was hung up on before being connected to anyone. I also plan to file a grievance with XXXX as well because after reading other complaints, this company has a pattern of not sending consumers information regarding debts prior to reporting them to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have been a member of Pentagon Federal Credit Union XX/XX/XXXX. I had a checking & saving account and XXXX major credit cards with excellent payment history 's. XX/XX/XXXX I checked my accountso on line and all my accounts are closed and my credit cards are charged off. I called and had several communication was different representative and they stated that my accounts were closed. They had me down on my accounts as being XXXX. I told the representative that this is a mistake on the credit union behalf. They also told me to provide them with notized document stating I ' am not dead. Okay I swallowed my pride on this situation and send them information to theread office. After about 3 weeks I may coctact with the credit union and they stated that they received my information. At that point nothing did not change. I stated to the credit union also how could you have XXXX major credit cards charge off with a XXXX balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Other financial service — Credit repair
Issue: Excessive fees — 
Company: Park View Credit
State: NH

Complaint narrative:
I was charged {$170.00} for no reason. Five months ago I paid over {$500.00} for their services which yielded nothing for my, or my husband 's, credit scores. I was given no warning of the charges and now I ca n't make a my car payment. I 've left a voicemail and have n't received any word back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
i co signed for a friend on a lease about 4 years ago she had to sign XXXX leases since then that i did not co sign. all of a sudden i get a call that i owe money for what her judgement was because she broke the lease. they sent me a letter stating that i had 30 days to dispute and the would send supporting documents i sent them a letter and faxed them my dispute. they then began calling me XXXX a day for a period of time. they said that if i did n't pay they would put it on my credit report i asked them a number of time if they were going to send me the documentation they told me they had not received it i got a hold of the person who holds the lease and she called them and tried to set up payments but they refused to accept them now i have this on my credit report and i do n't think it was put on there properly are n't they supposed to give me documentation that the dept is mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I purchased my home in XXXX due to my mother getting older she moved in to our home. In XXXX I wanted to refinance my home and it was then that XXXX of XXXX offer us a reverse mortgage for I was using my mothers income .. I had no idea of how the program really worked. I was concern that there was no payment and that we had not received any money in our hands. However, there is no mortgage payment and my mother passes on in XXXX. 
I sign all the paper work at the table closing with my attorney and the bank attorney. 
It is my understanding that I am on the note and the deed. I had hire an attorney to guide me to no success. I am told my house is in foreclosure and there is a sale day. Please help me find out what is going on with my house. My mortgage was served originally by XXXX XXXX When XXXX closed down Financial Freedom took over. I have XXXX children. I am a single parent trying t safe my home. My children are working now trying to help me to keep our home. My FH case # is XXXX My Lender account # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I called the collection agency and this debt was not able to verified accurately. They will not able to verify this debt. When I moved out I had no balance and I would like this debt removed from my credit report.

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 2017-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I have repeatedly requested that Fair Collections & Outsourcing provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

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 2016-02-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am the administrator for my daughter 's estate. I have recieved a short sale offer for the property. My realtor and probate attorney are working with the lender to close the short sale deal. The lender has approved the short sale and the buyer has opened an escrow by placing {$71000.00} down. 
There are complications regarding liens on the property which will take additional time to remove. The property is schduled to foreclose on XXXX XXXX, 2016 which will not give us enough time. The decedant 's ex-husband was ordered by the Superior Court of XXXX XXXX XXXX to remove liens from the property. These liens are in his mother and uncle name who reside in XXXX. He previously sent signed, notarized lien removal document to my daughter. I found these documents and gave them to my probate attorney. However, just recently we discovered that the paperwork he submitted is insuffienct to create a clear title. 
Corrected paperwork has been sent to the ex-husband demanding that he comply with the orders pursuant to the divorce decree. Since the deat of my daughter the ex-husband has been hostile and uncooperative. So far, he has not complied and we may need to take him to court to enforce the orders given by the divorce judge which will require an additional amount of time. 


However, there are complications which will require additional

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: VA

Complaint narrative:
In XXXX XXXX, I received correspondence alleging that I owed XXXX loans to XXXX XXXX XXXX XXXX totaling more than {$38000.00}. This correspondence is the first communication I or my son have had from XXXX XXXX XXXX XXXX since XX/XX/XXXX, when my son graduated from college. Up until, XXXX XXXX, I have live in the same address for 27 years and had the same telephone number for the last 7 years. I also had a very good credit rating and have had a reputation as a responsible citizen who pays my debts. I deny that I or my son owe this money. I am attempting to rectify this fraudulent attempt to extort money from me. XX/XX/XXXX, I wrote to Real Time Solutions , Inc., copies of any loan documents purporting to have my signature, dates of and copies of any correspondence from XXXX XXXX XXXX XXXX me, my son or any third party regarding this alleged loan. The name of the " joint '' account holder referred to in the documents forward to me in XXXX XXXX. I have asked for dates, times, form and parties involved in any oral communication with me. I sent copies of the letter to XXXX and XXXX that I had mail to Real Time Solution, Inc. Each time that I have called the collection company they lied about getting back to me and have failed to send me the documents that I have requested 5 months ago. I need to have this negative information removed from my credit. 
It 's unfortunately someone to have work so hard to maintain good credit and have a company destroy your credit worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have discovered and notified OneWest Bank pursuant to XXXX XXXX XXXX, that the Assignment of Mortgage on my loan was was robo-signed by serial robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. I also requested OneWest Bank to investigate pursuant to XXXX XXXX XXXX. OneWest Bank has failed to respond and acknowledge the robo-signed Assignment of Mortgage that they are attempting to use in a foreclosure proceeding.

Company response to consumer: Closed
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
Gurstel-Chargo hand delivered a paper that looks like an official county document with the words " you are being sued '' and more literature describing the debt. 
I was not home and they delivered the document to my Landlord. The document was not in an envelope or any other covering. 
It is a misrepresentation of a summons to district court and has in bold print on the front page " you are being sued '' I have sent them {$600.00} in payments in the last month already.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I turn in the car in 2010 as a voluntary repossession, at a licensed auto shopwhere I had been getting the fixed since I had it and the agreement was thatthey was to pick up the car and sale it and pay the remaining balances. 
however they never followed up on there end of thing and they lost ownershipof the car cause they never picked up the car or pay the storage fees that hadbeen up at the auto shop so I received a letter asking me to pay or creditacceptance and neither one of us followed up and we both lost the car!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
i lived in la mirage apartments in XX/XX/XXXX with another person name XXXX XXXX. when we moved out he gave them his forwarding address. they sent him that we owe {$590.00}. i wasnt aware of that.in XX/XX/XXXX i got a call from FCO saying i owe {$590.00}, i told them that that 's the first time i hear about it and that i can pay my half and they would have to contact XXXX for the other half. i asked if itll show on my credit report and they said no if i pay it. they did end up putting it on my report as " settled amount paid less then original amount '' .its been on my credit report for 5.5 years already. i sent them over 20 letters and called them more then 10 times. theyve been nothing but rude and hang up the phone on me saying there 's nothing they can do and " why am i calling you already paid us '' .i sumbit a compliant with the FTC and the company 's response was that they listened to the recordings from their orignall call 5.5 years ago and that they didnt promise me it wont be on my report. i called them today XX/XX/XXXX and asked for the reecording and they hang up the phone on me. i called again and asked for a manager and after 30 min on hold he told me i can send you a letter that you paid and you owe us {$0.00}. when i told him i do n't need that i need a deletion letter or a copy of the recording so i can give it to my lawyer he hung up the phone on me again. i dont know what else to do with this company. they are the only collection account i have on my report and they 're messing up my credit when i dont deserve it.

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 2016-06-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have recently received a communication from Resurgent Capital Servicesin regards to a cancelled debt that was previously serviced by XXXX on behalf of XXXX. My son was given a notification by XXXX varyfying that the debt had been cancelled in XXXX 2015. XXXX is making an attempt to collect on a cancelled debt, and this is a violationof the XXXX Debts Collection act.

Company response to consumer: Closed with explanation