vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AAA Collections
State: SD

Complaint narrative:
Debt collector from Triple A collections from XXXX XXXX, SD. I believe that was the company name. Their phone number is ( XXXX ) XXXX. They mentioned the bankruptcy before I did and still tried to collect on the debt. The debt is from XXXX XXXX. The amount is in excess of {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: PA

Complaint narrative:
Debt Recovery Solutions was supposed to have removed derogatory information from my credit reports. It has been 60 days since their letter stating such. It still remains on my credit reports. 
REFERENCE CFPB CASE NUMBER 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 with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: ID

Complaint narrative:
in 2000 I financed XXXX acres and a manufactured home @ 9+ % interest rate. I was informed that after 5 years i could refinance. My mortgage company has changed hands several times, selling my contract to an investment group. I have tried several times to refinance. The investment group will not let me refinance with XXXX. XXXXGreentree/Ditect I feel like the are keeping me from refinacing, my hands are tied!! Please HELP 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 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
My loan was assigned to Green Tree and they changed their name to Ditech. Since taking over my loan they state that I am late with my payments. Now they say I have not made payments. This loan is paid from my bank 's bill pay every month on time. I have proof from my bank. Ditech 's own statements they send me, even shows when I paid them, yet I am supposedly in arrears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 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: DE

Complaint narrative:
Debt collector says I owe a phantom bill. XXXX ca n't tell me where bill came from. Bill was nonexistent until XXXX 2014. No one can say when incurred and for what.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I refinanced my home with XXXX XXXX. 
Green tree asked for 2 months of interest as well as 2 months of mortgage insurance to close my loan. 

They had XXXX in my escrow account at the time. 

Asking XXXX to close a loan, when you really only need XXXX ( interest ) makes it almost impossible for someone to be able to get the cash together to close on a refinance. They actually try to trap you with them as your mortgage holder. 

They also told me ( despite the proof of wire xfer ) that they had not received my money on Friday from the escrow company. 

Paying ANY mortgage insurance upfront is unnecessary as they have a balance in the account and will not be paying any future MI on my behalf. It is just a ruse to be able to float my money. 

First rep said they would refund me in 5-7 business days. Another one said 14 business days. Now it is 30 business days. No one would give it to me in writing. 

How are they able to behave this way? 

Forwarding to them will be useless - they are useless and nasty on the phone. And they lie. 
in 30 days someone will respond and say " we are looking into your request '' in a generic, boilerplate letter, with no contact information other than the XXXX number where you get nasty people. 

Go ahead and submit to them. I have refinanced, and I will do my best to bring any legal action against them that I can. Worst loan servicer ... Ever ... Nasty, unscrupulous and they lie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that DEBT RECOVERY SOLUTIONS # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to DEBT RECOVERY SOLUTIONS to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than basics to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency

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 2016-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In late XXXX to early XXXX, my mortgage loan servicer, Ditech, had been undergoing significant internal software changes. Twice there were disruptions on payment due date notifications, and when I attempted to pay, their system did not register it correctly. Ditech even waived late fees in acknowledgment of fault. Now, there are XXXX 30 day late payments negatively affecting my ability to refinance. Multiple customer service calls were had in which there was understanding conveyed it would be remediated. I 'm also a flight attendant and often travel, making communication and opportunities to resolve matters more difficult. Ditech agreed they were at fault for the reporting errors but have yet to adjust for the bureaus. Please help to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a Capital One credit card and decided to download their app onto my smartphone. After downloading it, the institution asked for permission to access my telephone book as well as the pictures stored on my phone. I called Capital One and spoke with their Tech Support department and told them that asking for this information to get access to their app is a total invasion of my privacy as well as being none of their XXXX business. I was told that 's the only way to have access to their app. 

Capital One should be brought to task about this for the aforementioned reasons and redesign their app ASAP so users do NOT have to disclose this type of personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I wrote Green Tree Servicing , LLC. to correct the property address on all my statements going forward, and as of today, they have refused to make that said correction. The property address shown under account number XXXX ( first mortgage that they have recently acquired from XXXX XXXX XXXX, XXXX ) is : " XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX '', and under account number XXXX ( 2nd mortgage ), the property address is shown as : " XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ''. The correct address is " XXXX XXXX XXXX XXXX, XXXX, CA XXXX ''. I have been paying for this property since XX/XX/XXXX, and I would like to make sure that the bank is not doing anything fraudulent by not putting the correct address on homeowners ' records. I had wondered in the past why XXXX XXXX XXXX XXXX had allowed correction on XXXX Deeds using liquid white outs. Please help homeowners, like myself, protect our assets by making sure we are not victims of mortgage frauds. 

Green Tree Servicing Loan, LLC has also been incorrectly reporting the actual amount of money received from homeowners. I have recently paid {$560.00}, but they only show {$460.00} as " last paid amount '' on their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
1. Complaint XXXX submitted 2. I have attempted to call the single point of contact and that individuals manager every day for the past week. There have been no return calls or messages left for me. 
3. On XXXX XXXX I left a long detailed voice mail for the manager of my single point of contact informing them of the following : A ) The sale of the house appears to be moving forward, however, the buyer is forcing us to close by XXXX XXXX and we are going to do everything we can to meet that time frame. 
B ). Buyer completed their house inspection and that revealed an inoperable condition with respect to damage under the house. We are attempting to work through that issue. 
C ). We will ask for a payoff letter. 
D ). I asked for the courtesy of a return call so I could discuss the issue and understand options. 
4. Instead of talking with me, ditech took that information, sent it to an attorney and had them send a notice that they would foreclose. This is unconscionable and if this notice is discovered by the buyer the sale could be off. This is after making offers to continue a payment plan and making an offer last month to purchase the note - ALL OF WHICH HAVE BEEN IGNORED. No phone calls. 
5. One of the primary Borrower 's, XXXX XXXX XXXX, died on in the past two weeks. The other has scheduled XXXX within a month. We have proactively worked with ditech throughout the process to get the loan repaid with a goal that the borrowers would at least have a small amount of money for medical expenses and to live on. The remaining Borrower, XXXX XXXX, is faced with those costs and a reduced income as her survivor social security benefits result in reduced income. 
6. And ditech believes that this is the right time to send the foreclosure notice?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
Ditech has refused to suspend the Foreclosure Auction on our property, scheduled in two days, on XXXX XXXX, 2016. They have not responded to any of the allegations in our first Complaint to CFPB other than to postpone for sixty days for a modification, which is not complete as we just finished our tax return. We applied for a preliminary injunction which was denied on notice grounds and because the judge said he was not convinced we could succeed on the merits, which is NOT the applicable standard of review. RAther, we have raised serious, substantial questions about the validity of our mortgage and note documents and a temporary STAY of the foreclosure is the only reasonable action. So Monday morning I will go back and try to get a ruling that Ditech is REQUIRED to meet with us in person pursuant to HUD regulations, as evidenced by the note they dropped off at our door asking us to " contact our office to arrange a meeting to discuss your account. '' Another person got an injunction yesterday based on that regulation, while my handicapped husband and our XXXX year old daughter were turned away by the same judge. This process is a DISGRACE and the CFPB needs to get more aggressive with these Lenders to force them to comply with the law. I called the Ditech supervisor TEN TIMES over the last two days and he refuses to call me back. If our home is sold on Monday I am going to sue everybody in sight, including the CFPB and the Massachusetts Attorney General, who is doing virtually nothing in this area for consumers, despite capturing XXXX and even XXXX dollars in judgments against the banks and lenders, for failing to protect our legal rights, and for causing extreme and ongoing emotional distress!!!!! 

XXXX XXXX DITECH telephone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Recently you won a law suit against Green Tree Servicing. I just wanted to inform you that the company who took over for them are in violation of the same thing that Green Tree was found guilty for. To this day they have called and threatened my family members, my employer, released information to them about my loan. They also threaten by phone and letters. They also charge a convenience for payments. Just because they changed their name from Green Tree to Ditech did not change the way they treated the consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Our mortgage was sold to Ditech about a year ago and we 've had nothing but problems. I logged on to check my principal balance on XXXX/XXXX/16 and saw my current amount due was {$7700.00} XXXX our monthly payments are {$1900.00}!! We pay bi-weekly and not only are we AHEAD on payments, the money is automatically deducted out of our checking account. We have NEVER missed a payment and NEVER been late. 
I called customer service on XXXX and spoke with XXXX ( ext. XXXX ) who told me it was a software glitch and would be corrected in 24 hrs. Two days later on XXXX when it still showed delinquent I called back XXXX XXXX ext. XXXX ) and was told it was due to a software upgrade a few months prior and it would be corrected by the end of the month. At this point I 'm XXXX, but there 's nothing I can do. I am reassured there is no problem with my mortgage and I wo n't be reported as delinquent. 
Three days after that ( XXXX ) someone COMES TO MY HOUSE to deliver me a delinquent notice on my mortgage. My husband and I are LIVID at this point. And mortified. 
After researching my principal balance, I show where the balance goes down as expected, and then shoots up {$3000.00} a few months later. 
I again call and speak to a representative who said the payments we made that were n't applied to my account ( but were held as " un applied funds '' ) were later applied incorrectly and my increased balance was due the re-allocation of the funds. How is that allowed?? 
I called to request an audit on my account and I was told all I can get is a print out of my payment history. I do n't know how they can XXXX around with our mortgage like that without any accountability, even embarrassing us by sending someone to our home!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
Unfortunately my husbands mother had passed away. This was happening during the time payment was due. I did inform them we had a death in the family and would be making late payment. I went on line a saw they imposed a late fee. On XXXX I submitted a message to them regarding this issue again. On XXXX I received a very cold and nasty letter from Ditech. It really had nothing to due with my issue. I never said I was n't going to pay my bill solely that is was going to be late. It was the second half of he mtge. If they go backs and see my record they will see my payment history. Only once where I did n't hit submit was a fee imposed. But I took responsibility for that, They also charge a fee to pay with their website. I asked for the fee to be removed. I even offered proof just in case they thought I was making up the story.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Eagle Home Mortgage, LLC
State: FL

Complaint narrative:
I applied for a mortgage thru XXXX, affiliate of XXXX to purchase a XXXX home, I submitted a {$10000.00} deposit to XXXX. The loan was not approved due to the sale of my current home not going thru and I have since been denied the return of my {$10000.00} deposit from XXXX. See communication from XXXX, XXXX, XXXX # XXXX Phone # 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 with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My mortgage servicing was sold to Green Tree/Ditech as of XXXX/XXXX/2015. I made my XXXX payment to my prior servicer XXXX XXXX XXXX by XXXX/XXXX/15, before the cutoff date of XXXX/XXXX/15 for the servicing transfer. My loan was transferred as of XXXX/XXXX/15 and when the loan was boarded, my escrow portion of my XXXX 2015 was missing. I contacted Green Tree on XXXX/XXXX/15 when I was making my XXXX 2015 payment and noticed they were showing me as delinquent. I put in a dispute on XXXX/XXXX/15 and as of today, 60 days later there has been no resolution to my dispute and Ditech is showing me as being late and have started to charge me late fees. I sent proof that I made my full payment for XXXX 2015 ( copy of my bank statement showing the full payment posting out of my account as well as a copy of the last statement I received from my last servicer, XXXX XXXX XXXX, showing that I paid the full XXXX 2015 payment and that my next payment was due for XXXX 2015. ) 60 days is far more than enough time for Ditech to verify I made my payment and bring my loan current. I have called XXXX times since XXXX/XXXX/15 and have not received any resolution from Ditech except a couple of letters after I called, saying they are still researching the dispute. Every time I call the representatives or supervisors ca n't give me any information except that they are still researching the issue. Ditech has also sent me multiple statements for the same month ( XXXX 2015 ), with different regular monthly payment amounts due and no explanation as to why the amounts have changed. I can see that the escrow portion is different, but there is no recent escrow analysis done on my account, I can see that information on the Ditech web page. My loan is not being serviced according to HUD, FHA or RESPA standards.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Credit Adjusters
State: SC

Complaint narrative:
They keep calling me, made phone contact at least XXXX times. they said the wrong persons name to me both agreed it was not me.They said the calls would stop. They did not I have blocked there number XXXX times they change the number and keep calling even changing their name!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
There were unexplained charges on my account that I was not aware 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 2015-10-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
My home was foreclosed by Greentree in XXXX 2015. I am still working to determine where a more than {$20000.00} payment is with them. In the meantime, their new company, Ditech sent a collections letter in XX/XX/XXXX for {$34000.00}. Upon calling twice, no Ditech representative could tell me what that amount is and how it was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation