vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Innovis
State: OH

Complaint narrative:
Innovis, XXXX, XXXX, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I have repeatedly requested for Ditech Financial to include my loan balance on my monthly statements. I receive the monthly statements reflecting the payment received but not the current loan balance. I have requested this history from XXXX 2014 to the present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I paid of my mortgage to Ditech on XX/XX/2016. On XX/XX/2016 they debited my checking account for {$1500.00} for my regular payment. I called Ditech and demanded they return my money. After several calls they refused to return my money immediately and told me they would issue a refund in 30 days. If I had taken their money and held it hostage for 30 days I would be in jail. The took the money by ACH transfer because I had set up automatic payments but the account was paid in full by wire transfer and closed on XX/XX/2016. 
I want my money returned immediately. But if not and there are no consequences for Ditech, I want to know if I can do the same thing and that nothing will be considered illegal or theft. 
Thanks, 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 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
XXXX transferred servicing to Greentree but did not notify me properly of the transferring. XXXX previously notified me that they were transferring the servicing and subsequently sent me a letter notifying of the cancellation and disregard the letter. I paid XXXX through XXXX until I received a return of payment. I contacted Green Tree who stated they had received transferred payments from XXXX and my servicing had transferred since XXXX 2015. Green Tree requested I pay the XXXX payment although the payment had been made to XXXX thus I have made XXXX payments in XXXX month. As of today the payment has not been transferred and I was required to make a payment. This property is on an active Chp XXXX BK but when speaking to the Green Tree representatives, all of them today due to transferring back and forth XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX ) she stated that the property showed the stay had been lifted. On further investigation she advised the stay was associated to another property. Therefore second inaccuracy is being reported erroneously on my credit and not paid as agreed and I am receiving collection calls in violation of the Chapter XXXX BK. I contacted XXXX and spoke with XXXX XXXX XXXX who confirmed my XXXX payment and all prior payments had been transferred to GreenTree. He is investigating. He could not confirm the supposedly relief of stay that Greentree indicated XXXX had provided but transferred me XXXX XXXX who after my explanation asked to place me on whole and the call was disonnected. I recalled and spoke with XXXX XXXX who stated their records show no motion of relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GMA Investments, LLC
State: TN

Complaint narrative:
I get a phone call from XXXX XXXX from Summit Receivables. They tell me that my check has been returned from my bank. I have not written them a check. She says she is going to turn it over to her INF team to collect. I do n't know what this is about. She asks me to call XXXX.

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
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I bought a manufactured home in XX/XX/XXXX. It was financed byGreen tree finance Co. address is XXXX XXXX, XXXX. 
XXXX XXXX , XXXX. XXXX, XXXX I filed Chapter XXXX bankruptcy on XXXX home was exempt from them ever trying to collect this debt. I thought. I kept the payments to date until XX/XX/XXXX, my wifediedsuddenly in the living room. After that I could n't live there any more. 
The Co started calling me on XX/XX/XXXX, that has been going on now for 14 years and they have had a derogatory report on my credit file for 14 years. I lived in this home in XXXX, and lived in it in XXXX. 
I have tried to talk to them about this account a few years ago and I was told that this will stay on my credit report until some time inXX/XX/XXXX.I have a paper the Federal court Judge stating that they ca n't ever try to collect on this debt or call me Can you please help me get this resolved. Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Applied for a loan with Ditech mortgage and have not received anything in writing from them. I did talk with XXXX XXXX and he said that it had been declined and they were looking into another loan situation for me. To this day I have not heard anything. 
I called and left several messages for a supervisor by the name of XXXX XXXX @ XXXX in the refinance dept., but I have not received a call back. Also the person that took my application by the name of XXXX XXXX will not respond to my calls. 
Can You please help me get a letter of status concerning Loan # XXXX with Ditech Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
My mailing address is XXXX. XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Since the XX/XX/2016, I have been in the process of submitting documentation to Ditech Financial for loan # XXXX for the purposes of a new revised loan via HARP or HAMP guidelines. On XXXX XXXX, 2016, Ditech asked for and received on XXXX XXXX, 2016 ten different documentation Items. One of these were rental agreements that I am a partner in. I have not received any further notice about my loan status until today when I received in essence a refusal letter. I am outraged at this lack of communication and want to bring this to your attention as I have been very patient. The current loan indexes into a 20 year amortization and will increase the mortgage by XXXX. This indexing was never explained to me many years ago. I am now retired and can not afford this. My payment record with Ditech is impeccable but I fear this will not continue upon indexing. Lastly, I mistakenly sent them my lease copies and have spoke to XXXX, at XXXX, ext XXXX, about getting copies returned to me. I even offered to have them picked up, I was refused. I spoke to XXXX at the same # ext XXXX, he assured me he would take care of it, still no copies. I then spoke to their supervisor XXXX on XXXX XXXX. Again, I was assured the copies would be mailed out to me on the XXXX. Still no copies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
A company Financial Credit Network bought a debt from XXXX XXXX stating I owe {$120.00} on services that I did not render. I will fax over my police Report with a this complaint by fax.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
This company needs to remove all information from my credit reports. To my knowledge, all medical bills were paid by insurance and up to date. I have never been informed of any debts owed, and even if there are some that I do not know about, their client did XXXX and almost sent me into XXXX XXXX for not doing test requested by me and my wife as well as noted in my medical files. I have a case against their client for negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
For two months ditech Financial LLC has failed to apply our mortgage payments to our account. This payment transaction is an automatic bank transfer from my checking account to ditech. There have been no problems with the transfers as my bank statement clearly indicates they 've taken the money on time every month. Two months ago I called and spoke with a service representative after my monthly billing indicated that I was behind on my payments. The rep explained that apparently their system had an issue but that we were current on our payment and not to worry the system would " catch up '' before our next billing period. My wife and I came home last week to find a notice on our front door instructing us to call ditech about a problem with our account. We called and talked to another service representative who, after some discussion, told us the system had a coding issue and while we were current it was n't being applied to our account correctly but had been corrected on XXXX/XXXX/2016. Today in our mail there was a notice from ditech claiming we owed them {$500000.00} and a second notice from a collection agency. So the long and the short of my problem is that I 've been sent to collection by ditech for mmoney I do n't owe them. A call to ditech again ended with me being told there is no problem. So my question is how do I fix the damage done to my credit scores by a company that seems to have no interest in repairing their problem and what do I do next month when this happens again? 

XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I have a mortgage through Greentree/Ditech. I have paid on it for 20 years. The original loan was for {$24000.00}. They are now saying I owe {$7400.00}. I believe this loan should be paid off. I am recovering from a XXXX and no longer able to work. i have to live on my SS XXXX which is only about {$1100.00} A month. I hope and pray you can help me with this awful company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My home loan has been under a modification program as of XXXX/XXXX/2015 with our previous lender, the loan was then transferred to Green Tree Servicing LLC in XX/XX/XXXX, since then they have failed to honor the terms of the program. I filed a complaint with the CFPB ( Complaint No. XXXX ) and received a response, and disputed the response. The terms of the Modification program state no payment is to be made until XXXX/XXXX/2015, and due to all of the problems ( including letters from an attorney stating escalation of foreclosure ) I was in the process of trying to complete mortgage refinance documentation with another lender when they informed me that Green Tree had filed a negative report on my credit report stating my loan is over 180 days past due. I have had to spend numerous hours, resources, etc. following up with Green Tree to offset foreclosure measures, documentation inconsistencies, etc. I am aware of their unfair and unethical business practices as of the most recent XXXX fine imposed against them for these deceptive business practices and do not wish to continue my business with them, however until they report back to the major credit reporting agencies that the information they have reported against me is incorrect I can not move forward. Please help, continually having to gather information and file complaints is getting cumbersome and I do not have the time to keep making this lender do the right thing.

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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
Escrow payment went up and I made a payment for the old amount ( accidentally ). I realized the error of my ways and paid the added escrow amount. During the time I made the XXXX payment and the XXXX for the escrow account, the bank did not apply the payment to the mortgage. I called to register a complaint about this practice and the agent put me on hold as he tried to figure out the issue, though I already explained to home what happened. Once he called someone to figure out what I explained, he tried to explain to me what happened, which was not accurate. He said they did not hold on to my payment and not apply. Then he realized the error and explained it correctly. I asked repeatedly to register my complaint and all he wanted to tell me is that is how the process works. I even said I was going to the CFPB and he still would not acknowledge filing my complaint. Throughout all of this he said if a customer makes an overpayment that they will not apply the funds to principal until a full payment is made ( principle and escrow ). Th is not acceptable for a bank to hold on to funds when they should apply to the outstanding balance. It is also not acceptable for someone to have to spend XXXX trying to log a complaint and receive push back from the telephone agent. He made a bad experience worse

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I was reviewing my credit bureau reports and noticed many inaccuracies and items that I did not recognize. I disputed this is reporting negatively to my bureaus on multiple occasions. The last time was XX/XX/2017. I have made numerous request for them to provide documentation ( i.e contract or agreement of obligation to pay ) with my signature validating that this debt belongs to me. They have refused to provide documentation verifying the debt that they are trying to collect is mine. I have given them more than 30 days to get back to me. This creditor refuses to validate this debt, and is continuing to negatively report me to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I have been trying to get a Deed in Leiu from them since XXXX 2015. They keep sending me the same paperwork to fill out and nothing gets done. Every few weeks they send me a letter telling me I have a new account rep and the process starts over. I have had XXXX different people tell me they were sending the Deed in Leiu form for me to sign the property back over to them but they paperwork as never arrived and the new accout rep does n't see notes from all the people I have talked to before. The loan was forgiven in my bankruptcy but they are just giving me the run around and constantly harassing 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 2015-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
We purchased our home in 2007 and at that time P.M.I. was required. We were told 2 years of perfect payments and it would be removed and found out that was a lie. We have requested many times it be removed from our loan and they refused too. At their request, we had our home appraised by their appraiser and when it came back, we were at XXXX % L.T.V. and we are required to be at XXXX %. When we requested it be removed they told us it had to be at XXXX % so we offered to pay it down to the XXXX % L.T.V. to have it removed. They are now telling us it is based on the " original '' amount of what the home was worth when we refinanced a year ago! This is NOT what the law states! They are claiming the value of the home was {$230000.00} when THEY refinanced it for {$240000.00} so they are claiming to have advanced well over XXXX % L.T.V. at that time! We feel they are and have been taking advantage of us and need it to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Follow up to my complaint XXXX. I still do not have proof that the returned monies from XXXX XXXX, MD have been credited to my escrow account. I need written proof that these monies have been returned to my account. New complaint : I have XXXX escrow analysis, dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, none of which are correct. They all have incorrect information on them stemming from the original problem.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
My Servicer Ditech Financial ( my servicer ) initiated a non-judicial foreclosure with XXXX and stated that the XXXX was the owner of the loan. Back in XXXX I was in direct contact with an executive at the XXXX and stated that they did not own the loan or the property. Now 2 years later they are advertised as owning the loan Also per Georgia XXXX is suppose to advertise the sale for 4 consecutive weeks PRIOR to the sale date. They started advertising the sale on XX/XX/XXXX and the sale is scheduled for XX/XX/XXXX ILLEGAL ACTIVITY nor did they allow me the time to dispute the debt prior to the 30 days applicable per federal law BEFORE advancement of collection and 4 consecutive weeks of advertising prior to the sale state law ILLEGAL ACTIVITY Also I dispute all parts of the debt and I need Ditech to send all documents that prove XXXX owns the loan and I owe XXXX to the servicer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
My house mortgage was about to go into forclosure, but went into court mediation instead, so that a new payment plan could be done with a loan modification. Well, XXXX XXXX was to be the first of 3 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) trial payments. Ditech, ( the company ) never furnished a payment plan to me, my lawyer or the court. They could n't give a fair answer for the delay.So now this payment plan is in limbo ... plus there are other pending issues like charging me their home insurance when I showed a number of times I had my own insurance..Still on the " bill '' plus late charges while they wait on giving this payment plan, and while interest rates are going up ... I need Ditech to give me the plan so we can get this done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Assistance Corporation dba Revenue Group
State: CA

Complaint narrative:
This debt is a workmans comp claim from a work related injury. These collection agencys insert this on my credit file damaging my credit, then send a letter about the debt. As soon as i respond showing the verification they provide clearly states workmans comp claim, along with part of the judgement naming the DEFENDANT liable, they sell this debt to the next collection agency for them to do the same thing. This has been disputed 3 times and removed but the damage is done to my score. They break the law by inserting before communication to damage my score. They are trying to collect a debt I am in no way liable for.

Company response to consumer: Closed with explanation