vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
I declared bankruptcy ( XXXX ) in XXXX XXXX and re-affirmed my loan with XXXX XXXX. XXXX reported my payments as " current '' which was correct. The issue came up when XXXX transferred my loan to Green Tree as of XXXX XXXX. XXXX failed to report my loan as " re-affirmed '' and this error was duplicated by Green Tree. As of XXXX XXXX Green Tree still continued to show my loan as in bankruptcy despite the loan being re-affirmed and the bankruptcy being discharged in XXXX XXXX. Green Tree also showed late payments in its XXXX report to the credit agencies which was not correct. I wrote Green Tree on XXXX XXXX, XXXX when i became aware of this. Green Tree sent me a letter dated XXXX/XXXX/XXXX where in they decided to delete the loan from any credit agency reports. The loan exists and instead of correcting the error they simply deleted the loan from all XXXX credit agencies. I checked my credit report with XXXX today and sure enough, there is NO Green Tree mortgage. So now the XXXX XXXX is still reported with last activity XXXX which is a mistake AND there is no note that shows a transfer to Green Tree because Green Tree simply deleted the entire loan 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 2016-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
we took out a XXXX mortgage on our house to have some work done XX/XX/XXXX. 
XX/XX/XXXX we rolled both the primary mortgage ( XXXX XXXX XXXX ) and the XXXX mortgage ( GE Money Bank ) into one mortgage with a different bank. GE Money Bank never released the lien on our house. We are trying to get an equity line of credit to have some more work done on our house ( all mortgages have been paid in full since XX/XX/XXXX ) and with this lien showing on our house we can not get the loan needed. I have been talking to multiple persons with Synchrony Bank ( GE Money Bank was renamed to Synchrony Bank ) and they say that they can not help me as they do n't do this type of loan. We need this to be resolved as soon as possible.

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 2015-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Green Tree claims that there is not proper hazard insurance on the property located at XXXX XXXX XXXX XXXX, OH XXXX. Please see attached letter. 
I spoke with Green Tree on XX/XX/XXXX regarding a letter dated XX/XX/XXXX. Green Tree claimed there was no insurance on the property since XX/XX/XXXX. We agreed to have the insurance agent contact Green Tree and that the renewal billing was not going to be available until the first part of XX/XX/XXXX as coverage was in force until XX/XX/XXXX 
Green Tree called the insurance agent on XX/XX/XXXX to verify the information. 
Another letter was received dated XX/XX/XXXX again claiming no hazard coverage. 
The insurance agent faxed the insurance bill to Green Tree on XX/XX/XXXX. 
XX/XX/XXXX the attached letter was received. This letter dated XX/XX/XXXX states again no hazard coverage and that I will be liable for any coverage Green Tree purchases. 
On XX/XX/XXXX I spoke with XXXX at Green Tree who stated they did get the bill, but it is not being paid as there was information missing. XXXX requested that the insurance agent call Green Tree direct. This happened within the hour. According to the insurance agent, 5 letters were missing on the declaration page, but they were told this would not hold up premium payment. 
I called Green Tree back to follow-up. XXXX took my call, did nothing and transferred me without notice to XXXX. XXXX stated they had no record of a premium bill or coverage. This was totally incorrect. I stated the facts and XXXX claimed he talked with the insurance agent and expedited the premium payment on XX/XX/XXXX. 
No online entry in noted on the account as of today.

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 2016-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I lost my mom on XXXX/XXXX/XXXX, she had fell behind on her mortgage in XXXX. She was also receiving help from NJ XXXX at the time. They were paying a portion of moms mortgage and mom payed the rest. When mom passed she willed the house to myself and my brother, my brother XXXX on XXXX/XXXX/XXXX. I contacted Ditech 2 months after mom passed and the gave me a trial period payments with the promise of a loan Mod. at the end. I made all XXXX payments and then the claimed because mom dies I needed to assume the mortgage ( which I am more the happy to do ) To this date the have not accepted any more payments and have filed suit in court with the intent to foreclose. Everything they have asked me to submit I have. I truly believe the have acted unfaithfully. This is my moms live long work and my childhood home. I would appreciate any and all help in trying to keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Innovis
State: NV

Complaint narrative:
i did not allow this company to do a hard credit check

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services
State: NY

Complaint narrative:
I saw an ad online from XXXX for helping consolidate loans. I contacted them, gave them my information about my loans and they put me in contact with XXXX to process my payments to them. 

I used XXXX to help apply for a lower monthly payment plan. They processed my paperwork and moved my loan servicing to XXXX. They failed to migrate my Perkins loan to XXXX, so now I have to pay a separate business for this other loan. I was completely unaware that my Perkins loan was n't included in my new payment plan until AFTER I was notified that a bill was past due. 

Before attempting to refinance my loans, I paid all of my federal loans with one monthly payment of {$160.00}. Now, I have to pay $ XXXX monthly to XXXX in addition to {$230.00} a month to separately pay for my Perkins loan. 

All of this is not including monthly payments I have to make for private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services
State: OH

Complaint narrative:
I applied for assistance and to be able to use the REPAYE payment option. This was denied due to when I filed this request, and my payments increase. I was advised to do this by the U.S. Dept of Education and feel misled. My loans are now $ XXXX+ a month ( more than my mortgage and all my other bills ) and feel as if they are unfair and that this is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: VA

Complaint narrative:
XX/XX/XXXX I purchased a vehicle through Drive time located in XXXX Virginia. I 've now realized that they had never placed me on credit report showing that I 've been paying on time I do n't even show them as A creditor I am paying through as an auto. Fact my credit report is showing I do n't have an auto loan active. I called on XX/XX/XXXX and spoke with Drive time representative. She informed me they were having problems trying to post with Equifax for people who have had bankruptcies. he informed me they been working on it and hopefully it will be resolved within 2 to 3 months. Informed her I have been paying on this loan For almost four years. Told me to call back then, see if it 's been resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: GA

Complaint narrative:
Drivetime incorrectly added negative information to my credit report stating that I had a late payment. I contacted them and requested that they remove it. Instead of completely removing it, they changed it to an older month but it 's still on my credit report. This is my XXXX car that I have financed with them and I have been a model customer for the entire time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: CA

Complaint narrative:
ACS education services is applying all my extra payments towards my loan balance towards the interest of future payments. They are not allowing me to choose which loan disbursement my extra loan principle payments are applied to. I would like to apply the extra principle payment towards the disbursements with the highest interest rates. I do not trust their interest and principle calculations and the amount put towards interest differs every month outside of a normal amortization schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Hillcrest Davidson & Associates
State: TN

Complaint narrative:
I was contacted by XXXX XXXX from Hillcrest, Davidson, & Associates from ph.XXXX. He asked if I knew XXXX XXXX ( my Mother ). I told him, yes she is my Mother. He stated I need to get in touch with her about a debt owed by her and XXXX XXXX XXXX. I told him that I was n't in my office right now and asked if he could call me back with his number and I would give it to her and tell her he called. I do not give out people 's number over the phone. XXXX called me back and gave me his office number and his cell to give to my Mother. I called my Mother when I got off work and advised her of this company and to call XXXX back. Apparently my Mother did not call back and I have received at least 10 calls since this time and I have been told that they will not stop until I give them my Mother 's phone number. I told them I am not the person you are trying to contact. Please stop calling me on many of occasions and they have said no. They will continue to call me until I give them what they want. XXXX has stated if I do n't give them what he wants, he will pass my number out to every agent he has and they will all continue to call me. I have written down every call and a brief narrative on each call. I just want this to stop. Apparently they do n't understand this is not my issue. Today I was told we will go to the next level. Sounds like a threat to me. I can get my cell phone records if needed.

Company response to consumer: Closed
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JLB CORPORATION
State: KS

Complaint narrative:
I received a mail advertisement from this mortgage company and it does not contain the required non-solicitation opt-out information. Also, I am on the non-solicitation list and just renewed 6 months ago. They are illegally using lists that contain people who have opted out of mail advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
On XXXX XXXX I checked my credit report. I notice that Midwest Recovery has me in collections I sent validation and verification letters to the company 45 days ago to this date I have not recieved a response. The orignal creditor which is XXXX XXXX payday services which I looked the company up and its a scam. I am unable to obtain credit due to this negative information in which I have never heard of this company. I sent letters asking for orignal contracts identification etc and I still have not heard from the company

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services
State: IL

Complaint narrative:
I have numerous XXXX loans that I consolidated years ago at XXXX. While working my government job, ( over 10 years not ) I found out that there was a program that repaid you federal loans. The requirements were 10 years gov't service, 120 on time payments, in good standing, and qualifying loans. So roughly around 9 years ago I called ACS to verify that my loan with them qualified. I was informed that yes it did. All I had to do was make sure I made the 120 payments. I am almost finished doing that and found out that there was a way to have PSLF program check the information on me and give me an exact date that they will be taking over the payments. I received a letter of their findings and was informed that my loan with ACS ( my XXXX loans ) in fact did n't qualify. I told them that there must be some kind of mistake because I called to check years ago to make sure they did qualify and was informed that they did. I was told by the people at PSLF program that I now need to transfer my loan to a direst loan and make 120 more on time payments to qualify for the program. I explained to them that I was already doing that, and was almost done. They told me that even though it was from the Dept. of Treasury, it was n't the right loan type. Even though I was already told it was, it did n't matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I received a new account notification from a credit monitoring service I use on XX/XX/2016 and upon looking into this, Midwest Recovery Solutions has an open collections account for me for what I 'm assuming is a payday loan through XXXX for {$800.00}. There are several problems with this : I have never taken out a payday loan, have never heard of XXXX nor received any correspondence whatsoever from that " company '' in regards to the account in question, and have never heard of Midwest Recovery Solutions nor received any correspondence by certified mail, phone, or email in regards to the account in question. I attempted to reach Midwest Recovery Solutions via phone, but was unable to. This account needs to be deleted immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Law Offices of Erskine and Fleisher
State: FL

Complaint narrative:
The Law Offices of Erskine and Fleisher ( representing XXXX XXXX ) filed a Writ of Garnishment ( Circuit Court Case # XXXX ) to my bank XXXX dated XX/XX/XXXX. I received a letter from XXXX on XXXX XXXX, XXXX, advising that approximately XXXX was garnished from my checking account. On XXXX XXXX, XXXX, I received a Notice of Garnishment from Erskine and Fleischer. I settled this matter in XXXX XXXX. The XXXX XXXX account was sold to XXXX , XXXX on or about XXXX XXXX, XXXX. I settled this debt with the attorneys for XXXX XXXX and a Voluntary Dismissal with Prejudice was filed in Circuit Court Case # XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-11-06 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: ID

Complaint narrative:
Rush card has {$1300.00} of mine held in my account i can view it in there on their website but I have not had access to it since XXXX XXXX. When I have tried contacting them to fix this situation by email, mail and phone I have been put on 1-2 hour holds then hung up on. I spoke with a rep and asked to have my direct deposit returned to the sender only to have them tell me they could do no transactions of any kind. It is now XXXX XXXX and all of my bills are late and I am stranded more than XXXX miles from my home. I still have no access and they tell me they dont either!! Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC, has resold the same debt that I 've issued complaints to CFPB previously regarding. LVNV is not being represented by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. XXXX has NEVER provided a verification of Debt for this attempted, and repeated collection of alleged debt. LVNV funding, nor XXXX has ever provided verification of originating debt. No signature cards have been provided and XXXX, LVNV funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate LVNV Funding and XXXX for false collection practices. XXXX has been attempting to collect this debt since 2002 and has NEVER provided a Verification of Debt pertaining to their alleged debt collection. LVNV funding is committing fraud by reporting fraudulent debt to my credit reporting agencies and has caused me to be denied for credit because of this adverse and erroneous collection attempt. LVNV needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
I just called MIDWEST RECOVERY SYSTEMS located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX after I noticed this on my credit report. I called and they said they did not have the original creditor paperwork and that do not have to supply the loan paperwork until after ninety days. The debt they claim was incurred in XXXX XXXX. However, MIDWEST RECOVERY SYSTEMS said the debt was incurred in XXXX XXXX. After researching the original creditor XXXX XXXX XXXX is a scam and it seems MIDWEST RECOVERY SYSTEMS is part of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
A storm took place XXXX XXXX, 2015 to my lake property in XXXX XXXX XXXX, MN. I have been working with my Insurance Co., XXXX XXXX XXXX, and they have been great. Now that my claim is over {$10000.00}, the Mortgage Company XXXX PennyMac XXXX wants to hold my money in escrow until they have an inspector come to my property. They say this will take XXXX days or more. Minnesota starts to get colder soon and I am concerned. I have also signed a Mortgage Affidavit, saying I am or will be making the property as good or better than before, which I intend to do and have sworn so. How do I continue to make repairs without the funds XXXX Checks made out to me & PennyMac ) my insurance company has released, but my Mortgage company wants to hold XXXX in escrow. This is very frustrating. Can you help me? My loan payments are current and always have been. This property is located at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: WA

Complaint narrative:
In XXXX, XXXX, my bank account had fraudulent charges and I needed to place a block on my account to prevent a company from withdrawing information from my checking account directly. My bank accidentally blocked my automated payments from my student loan company. As a result, it took over XXXX months to figure out the error and get everything sorted. During this time, I was calling my student loan company repeatedly, trying to process payments monthly through the online system, and receiving payment confirmations via email for each payment I submitted. When I called ACS to try and resolve why I was receiving payment confirmations, and the amount was not being withdrawn from my checking, I was receiving little information from their customer service team. I WAS NEVER informed that the payments were being rejected by my bank! I had to figure that out on my own, after several attempts to make monthly payments online. Once I figured out the issue, and a regular monthly payment went through and credited correctly, I paid the retro-active amount due for the past 4 months at one time, resulting in bringing my account current in XXXX, XXXX. I have requested repeatedly for ACS to clear the late payments from credit reports as a result of this error and I am met with indignance, snide comments and accusations that the lack of monthly payments was my fault along with the claims that they " attempted '' to contact me via mail and phone regarding the issue. No attempt to contact me has been proven on their part by phone, mail or email. The only contact I have is by email, in the form of a processed payment receipt each month from ACS. In fact, I called them each month trying to resolve and figure out what the issue is with my account. This company has hurt my credit report as a result, and refuses to correct their issue or address my concerns as a consumer regarding the lack of proper communication to me concerning my account.

Company response to consumer: Closed with explanation