vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-25 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Account was sent to collections ( National Credit Adjusters ), account was sold to XXXX XXXX XXXX. Account was paid, neither NCA or XXXX will report information to credit repositories. Disputed account with supporting documentation ( receipt from XXXX ) and NCA still reporting account unpaid - been 60 plus days and disputed account and NCA does not own account - sold to XXXX and is paid. Serious Violations of FCRA. ( did not receive right-to-dispute from XXXX and NCA not deleting account on credit report and acting as unaffiliated third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Revenue, Inc.
State: NJ

Complaint narrative:
Eastern Revenue is continuously calling me to collect on a debt that is already being paid to the collector through XXXX XXXX XXXX, XXXX XXXX, XXXX ext. XXXX. The debt has been paid six consecutive months with a payment plan in place on a monthly basis. I have proof of said payments via canceled checks front and back and XXXX XXXX College has been receiving their money. I have contacted XXXX and spoke to XXXX XXXX XXXX, bursars office, whom has confirmed receipt of the payments and that XXXX has not had any communication with or does not know whom Eastern Revenue is. Eastern Revenue has not sent me any written documentation with regard to the debt and I continue to receive calls from XXXX XXXX XXXX. Eastern Revenue has now put this information on my credit report and has tainted what I have been working so hard to maintain in good standing. I have contacted Eastern Revenue and all I get is that I need to make payments over the phone in order to take care of a debt which is already being taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This is a company out of Kansas that is calling my employer with a local number. They have been asked numerous times not to call me and work however they refuse to stop. I received a call today from XXXX XXXX who I asked not to call me at work and released the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: WY

Complaint narrative:
I fell behind XXXX payments on my mortgage at which time I applied for a modification, everytime I called to see if they had they paperwork or needed anything else they would say they have everything and then I would call back two weeks later to check on the status of the modification they would have no idea what I am talking about. I have gone through this cycle at least four times with them and this whole time they would not let me make any payments. Then someone told me my house was listed as a forclosure in the local paper with a sale date of XXXX/XXXX/2016. Since then they have received my paperwork again for modification and I have had to refax that set of paperwork three different times. Now they say I am approved for modification but they are waiting on my title but they wont tell me who they requested my title through. I have checked with every title company in my area and nobody has received a request. They tell me that if they do n't receive the title by the sale date that they will sell my house. I also have a corporate advance on my account for over {$3000.00} that nobody can tell me what it is for. I keep getting a different answer everytime I call in to this company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
We have mortgage with Ditech Financial LLC.We got transferred from XXXX XXXX to Green Tree Servicing LLC on XXXX XXXX. On XXXX XXXX Green Tree Servicing LLC become Ditech Financial LLC. We did n't have any problem with this company until they offered to us Ditech Automatic Payment Agreement in XXXX, 2015. This agreement suppouse to start on XXXX XXXX. Before we sign this agreement we make sure that customer service representative understood that we ca n't have monthly recurring electronic debits from our checking account on Due Date ( on the XXXX of each month ), because my husband got his XXXX pension electronic deposit on the XXXX of each month. Customer service representative assure us that in this agreement we have second " alternative '' Debit Date for each month. And indeed we put alternative date of XXXX each month in assigned line in agreement. 
On XXXX 2015 electronic system triggered mortgage payment right on XXXX day of the moth and we did not have sufficient funds in the our checking account! After that our bank charge us XXXX fines : {$35.00} Bank Overdraft Charge, and {$9.00} ODP Primary ( CR ) Fee.Altogether : {$44.00}. 
We are low income senior citizens and every cent is important to us. We contacted this mortgage company many times, write letter with explanations and ask to pay {$44.00} back to us, because it was clearly their mistake or a lie! They send letter of refusal. That was our first unresolved dispute. 
XXXX is even more disturbing. 
All year of 2015 we had no cushion on our escrow account. We only paying yearly home insurance premiums on our escrow account, because we are low income seniors and XXXX XXXX give us real estate tax exemption every year for many years. We never had any problem with adjusting our escrow account for that before. Not with this company! First they put full amount of taxes on our escrow in addition to our home insurance amount, and then, after many attempts to contact by phone calls, faxes, and finally mail, they re-calculated our escrow account with significant cushion! It was explain to them over and over again, that we are low income, we never late for monthly payments and we ca n't afford pay XXXX more per month until XXXX 2015! We already pay {$200.00} more for XXXX 2015, because this company working very slow and in the process extracting as more money as they can! And they calculated cushion not from my real amount on my escrow account ( it is only my home insurance payment, not taxes ), but from inflated amount of taxes plus home insurance premium. What happen with only XXXX of escrow amount?! This behavior need to be stop!

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 2016-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech has repeatedly called this number over more than 9 months, despite repeated requests to remove the number from their records. The number is a business line, and the person they are looking to speak with does not work at this company.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 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: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
I owed a XXXX phone bill which was sent to collections. I had several collection companies calling me and I settled with a company called XXXX XXXX XXXX , XXXX ( XXXX XXXX, XXXX ) on XXXX/XXXX/15 for {$120.00} ( confirm # XXXX ). I keep getting calls from Debt Recovery Solutions and this debt is still showing as owed to Debt Recovery Solutions on XXXX which is hurting my credit score.

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 2016-06-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Dream Center Education Holdings
State: OH

Complaint narrative:
I was aloud to continue with school while waiting to get a response for my XXXX. I had been approved for it the previous XXXX times I applied but this time was taking longer then normal to get a response. When asked if I should temporarily withdraw, I was told no, they could n't promise me a spot when I returned. Because it was denied ( with no solid reason to do so ), I was forced out of school unless I came up with XXXX XXXX that day to cover what classes I had already taken. I never once signed anything agreeing to pay this amount nor agreed to stay in school if student aid could n't help me. I feel I am being tricked into this by XXXX XXXX and even after many attempts to get a solid explanation to their decision. I am not entirely sure who else I can turn to at this point or what I can do. I do n't have the money for a lawyer and now am being sent to collections. I filed an appeal with the school, heard nothing then received a paper in the mail from a debt collector. After contacting the collection agency, I informed them about the appeal, they contacted the school which in return told the agency they had never received an appeal. Two days later, I get a phone call from the director that she did get it, denied it and was sorry that nothing was sent out to inform me. Like I said, there are no signed documents from me agreeing to take out any such loan through XXXX college. When asked to see the XXXX, I was told they did n't keep them on file, after contacting XXXX, they do n't have it on file either since it was never filed to begin with AND apparently do n't keep XXXX over a certain amount of time. I have copies of all documentation between the school and myself regarding my past overrides that were approved and the paperwork about the one that was n't approved. None of it makes sense. Please help. I am now XXXX of dollars in school debt over a degree I was 3 months shy of getting because of something the school decided that was completely out of my control. 
The campus is located in XXXX, Ohio

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am the primary and sole owner of a FHA mortgage. The mortgage was sold by the original mortgage company to the XXXX XXXX XXXX in XXXX XXXX. In XXXX XXXX XXXX XXXX XXXX sold the mortgage to Green Tree Servicing LLC now renamed as Ditech Financial LLC. I took great efforts to make my payments and kept them current until XXXX XXXX to XXXX XXXX when due to financial difficulties I trailed behind with my payments being made late. My wife spoke to XXXX XXXX, customer service representative on XXXX XXXX, XXXX who advised that we should not make any more payments on the account as the payments that were made for XXXX XXXX and XXXX XXXX were being refunded due to foreclosure against the property. Green Tree sent me documentations of the necessary options that I could take if I wanted to prevent the foreclosure so I opted for modification of the loan. I went through a HUD approved Housing Counsellor who assisted with the modification process. I had dialogue with XXXX XXXX, a mortgage advisor from Green Tree on XXXX XXXX, XXXX regarding the foreclosure and she informed me that my property was prompted for foreclosure because I had failed to make two full years of mortgage payments. I told her that was highly impossible as all the payments were made when the mortgage was with XXXX XXXX XXXX and also when it came over to Green Tree. I requested a detailed statement from XXXX XXXX XXXX to show all the transactions when they had the mortgage before it was sold to Green Tree and the statement accounted for all my payments. I also requested a detailed statement from Green Tree and all payments were accounted for prior to the three payments for XXXX XXXX to XXXX XXXX that were paid late. I questioned XXXX about the two years mortgage payments that Green Tree was indicating as missing and suggested that they did a detailed audit of the account to see where the error lies. XXXX advised me that if I was planning to do an audit of the account Green Tree would have no other option than to go ahead with the planned foreclosure of the property. Based on that advice I declined the audit in order for the property to go through the modification process. At XXXX XXXX, XXXX my principal balance from the statement I received from Green Tree was {$160000.00} Upon modification they gave me a new principal balance of {$230000.00} When I asked for a breakdown of the figure they told me all the outstanding payments for the two years in question and other foreclosure fees were added to bring the principal to that amount. Even though the modification process had gone through I am not at ease within myself. I feel that some grave mistakes have been made somewhere within my mortgage account and I am requesting a detailed professional review of this account. 
Thank you for looking into my matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
I recently refinanced my home. Green Tree was my mortgage company, but I refinanced through XXXX. Green Tree owed me excess funds that were in my escrow account with them. Green Tree issued a check in payment, in the amount of {$1000.00}. That check from Green Tree bounced, as the check was written on a closed account. I have contacted Green Tree Customer No-service XXXX times ( XXXX XXXX & XXXX, and XXXX XXXX ) via telephone. On XXXX XXXX, the GT representative said that the process of cancelling the XXXX check and reissuing a replacement check could take up to XXXX days. I find all of this to be outrageous! First, that they would make such a mistake ( if it is a mistake, and not a policy to delay payouts ) and secondly, that they are dragging their feet in terms of rectifying the situation. Green Tree Servicing, and Green Tree financial are well-known for bending/breaking the rules and for terrible customer service ( see the Victims of Green Tree page on XXXX, if you doubt me ), and such abuses need to be stopped! I am retired on XXXX, and am XXXX. The {$1000.00} is a huge amount of money to me, and they do n't seem to give a XXXX. I have been informed that issuing a check when there are no funds behind it is a criminal offense. I believe it is possible that Green Tree may routinely do to others what is being done to me, in that they are able to make money on holding their customers ' money while they delay paying what is owed. For a very large company like Green Tree, those small amounts could add up to a significant amount over time. Meanwhile, I have a new mortgage to pay without having that {$1000.00} to aid in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Regardless of how early a payment was mailed, according to Green Tree it was always late. When contacted the represenative would always state that Green Tree could not be held responsible for an untimely payment. After many unfair late peanlties the Green Tree represenative insisted that I allow a payment be deducted directly from my bank accout. I gave my permission for a one time deduction but this same represenative deducted XXXX payments in the same month when only one was due. As a result I incurred over draft fees both from the bank and other vendors who had valid claims againist my bank account. The situation esculated to the point I had to close my bank account. When I called Green Tree no one there would discuss the matter with me and I was never compensated for any of the cost I incurred as a result of the Green Tree represenative 's illegal behaviour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
Please see the attached letter. -- especially the sections about ( i ) Green Tree 's post-XX/XX/XXXX-Settlement lies XX/XX/XXXX, to the effect that my house was going to be sold at foreclosure on a " sale date '' of XX/XX/XXXX, and ( ii ) Green Tree 's utterly unreasonable proposed loan-modification terms requiring me to take on an entirely new debt to Green Tree ( of roughly {$250000.00} ) without even extinguishing the original, existing note to XXXX ( originally {$280000.00} ), which XXXX purportedly still owns. 

I am challenging the foreclosure in the District Court for the District of New Jersey, and neither that Court nor any other has ever ordered or authorized any foreclosure sale. 

Green Tree has also violated both the XX/XX/XXXX GMAC/ResCap settlement order and the 2015 settlement order by failing ( i ) to send me the mandatory package informing me that I qualify for the automatic XX/XX/XXXX " Settlement '' loan-modification and ( ii ) to send me final automatic loan-modification documents for my signature after the XX/XX/XXXX settlement, without forcing me to submit a new loan-modification application with new documentation. 

Green Tree should be held in contempt for violating both the XX/XX/XXXX settlement and the XX/XX/XXXX settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I contacted your organization in XXXX 2016 regarding my mortgage with GREENTREE SERVICING/DITECH. Approximately two weeks later I received a MAKING HOMES AFFORDABLE packet to apply for help. This info. was dated XXXX/XXXX/16. The very next day I received a second packet from DITECH stating they received my application and they determined it was INCOMPLETE. They listed what was missing. How is this possible since I had only received my application the day before. So, the next day I received a letter from DITECH stating I was ineligible for their Home Affordable Modification Program because and I quote " WE SERVICE YOUR LOAN ON BEHALF OF AN INVESTOR OR GROUP OF INVESTORS THAT HAS NOT GIVEN US THE CONTRACTUAL AUTHORITY TO MODIFY THE LOAN UNDER HAMP. How many consumers have these same issues with GREENTREE/DITECH? As I reported to you previously, I attempted to get help through this program before and got the runaround from GREENTREE. It was the same scenario then. They said incomplete paperwork etc. Everything was there. I had made copies. I have the letter from them and everything I had sent them. They are the worst. I pay 10 % interest on my mortgage and it is absolutely crippling me. They do nothing but take the money and do n't care about the consumer. HELP. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have had a very difficult time with Ditech. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Ditech always seemed to lose my paper work, which I constantly had to re fax. The assigned rep never tried to help me or offer me a modification. She pushed me towards a payment plan or settlement with the back payments and then Ditech back doored me with a sale date. This poor servicing has caused me to file a bankruptcy. Ditech never told me I could not make partial payments while in foreclosure. They completely mislead 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 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Innovis
State: NY

Complaint narrative:
We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. XXXX the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at he time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the XXXX XXXX XXXX. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster XXXX program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.

Company response to consumer: Closed with explanation