vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
My mortgage loan was acquired by Green Tree from XXXX, XXXX. I have made my payments during my 20 year, fixed-rate mortgage. Now that my mortgage is paid in full, after paying my regular monthly payments as provided for in my statements, Green Tree has sent me a statement indicating there is an additional {$11000.00} due. I believe their records are incorrect and dispute this amount. 

I have tried to get information from my account representative multiple times during the XXXX week of XXXX. However, she has not given me the information I have requested. I even faxed copies of my records to her, and she has not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I had my loan with GreenTree mortgage and I was went through XXXX trying to get a modification on my loan. I was threatened that they would take my home. I was talked to and humiliated. I finally received a loan modification. I lost my my home on XXXX XXXX, 2015 it was sold on XXXX XXXX Steps at the courthouse. I received no warning and I did not have time save my home after owning it for 23 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I sent a cease and desist letter to World Finance several weeks ago and they continue to harass me and use threatening language. The letter was sent XXXX XXXX, 2016. When they call they state they do n't care about what the letter states and harass me over the telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
This is a new complaint against Ditech Financial LLC, formerly Green Tree Servicing. 
Ditech is now harassing me by misappropriating funds and facilitating economic hardships. 
This complaint is about Ditech misappropriating an extorted payment under an illegal threat of foreclosure and asking for part of the same payment again once I paid it ; and Ditech reclassifying funds when only the borrower has that right to determine the classification of funds. 
1. On XXXX XXXX, XXXX, Ditech billed my {$3900.00}. On XXXX XXXX, XXXX I paid the total amount due. The statement Ditech dated XXXX/XXXX/XXXX ( received XXXX/XXXX/XXXX ) shows Ditech posted the total amount due on XXXX/XXXX/XXXX. 
The XXXX/XXXX/XXXX dated invoice shows Ditech misappropriated {$540.00} to funds in suspense. Then, Ditech fraudulently misrepresented that I had an outstanding balance of {$540.00} and asked me for the same {$540.00} that it misappropriated to funds in suspense with no authority to do so. 
This also had the effect deceptively changing the terms of my mortgage payment from {$1100.00} to {$1600.00} per month. 
Ditech did not have authority to place the {$540.00} in funds in suspense. {$540.00} was for late fees that Ditech is claiming from XXXX before Ditech took over the note. 
My note/security instrument deed of trust does not allow late fees to be held in funds in suspense. Ditech can only put partial payments of mortgage principal and interest in funds in suspense. There was no partial payment carried forward from the XXXX/XXXX/XXXX statement, but for Ditech 's misappropriating funds and fraudulent misrepresentation on the XXXX/XXXX/XXXX dated statement. I paid the total balance to cure the alleged default. 
It was fraudulent for Ditech to bill me a total amount due and then misappropriate the money to funds in suspense and ask me for the same amount of money. 
Additionally, the note only gives the borrower the right to designate how funds are classified, not the lender. 

2. Ditech also misappropriated {$72.00} from funds in suspense to the escrow account to harass me. Under my note/deed of trust, funds in suspense can only be use used for mortgage principal and interest, not the escrow account. My note allows Ditech to refund money. I have asked for Ditech to refund the {$72.00}. 

The statement dated XXXX/XXXX/XXXX shows Ditech applied the {$72.00} to the escrow account. The regular escrow payment is {$400.00} plus the {$72.00} equals {$470.00} escrow total. Ditech has since taking over the note provided interim statements. However, Ditech did not provide a statement for XXXX/XXXX/XXXX, which showed the escrow balance is a positive {$790.00}, and not ( {$460.00} ). Thus, returning the {$72.00} will not create an escrow shortfall.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I have verbally told the loan company to stop calling my place of business as it will interfere with my job. They have not ceased their calls. Instead they call and hang up if i answer. If another coworker answers they tell them that they are calling to garnish my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Innovis
State: CA

Complaint narrative:
I would like this charge removed from my credit reports because it has been changed over from XXXX XXXX to XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home. 

I am currently paying the same account with XXXX XXXX XXXX. I would like to have XXXX XXXX / XXXX removed from my credit reports from XXXX, XXXX, XXXX and Innovis. 
I would like to have XXXX removed from all reporting agencies : XXXX, XXXX, XXXX and Innovis. 
I would like to have XXXX removed from all reporting agencies ; XXXX, XXXX, XXXX and Innovis.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I called Green Tree Servicing LLC on XXXX XXXX, 2015 to get clarification on how PMI could be removed from my home loan. The Representative I spoke with gave me inacurate information which lead me to request an appraisal in order to remove the PMI. At the end of XXXX I received my appraisal with a letter declining the removal of my PMI. The letter completely contradicted the information given to me on XXXX XXXX. I immediately contacted Green Tree to explain the situation and request the removal of the {$420.00} appraisal fee. Since then Green Tree has admitted ( in writing ) that they gave me the wrong information but has refused to waive the appraisal fee. In addition, I received the worst customer service possible. Calls were never returned, questions went unanswered, etc. Attached is a letter that more thoroughly breaks down the details of this issue. Also attached is the denial letter from Green Tree Servicing LLC that makes absolutely no sense.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Since Greentree went to Ditech, I can no longer easily make online payments prior to my due date of XX/XX/XXXX. I pay my mortgage at least a week ahead of schedule online. When making payments, there is not an option to choose where the funds are to be allocated. Instead, my monthly mortgage payment is being applied to Principal Only. The result is that it does not register as a monthly payment and I end up " late ''. I have to call multiple times over 3-4 weeks until the funds are reallocated appropriately. Each time I call, I 'm told that it may take up to five days then I get the company tagline of " well, it may take longer because they 're so backed up ''. Even after making several calls and being reassured that no late fees will be applied, I start to get calls at night from Ditech informing me that my payment is late. Their payment system is set up in a way to minimize payments from being made prior to the due date. I would appreciate an explanation as to how to make monthly payments before the due date.

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 2015-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I first to out a mortgage loan with XXXX XXXX XXXX, then XXXX sold my loan to green tree, now the sold the loan to DITECH. I recently received a call from DITECH demanding a payment and harassing me about a late payment. I was not late on my payment. Ditech is harrassing for a mortgage payment that I was late on 2013. They have spoken to me with very bad language and demeanor. I have never been treated with such a bad attitude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
THIS CREDITOR IS REPORTING ON MY CREDIT REPORT I HAD A LOAN FROM THEM IN XXXX SC LOCATION. I HAVE NEVER HAD ACCOUNT IN XXXX SC. I ALSO DISPUTED THIS DEBT AND THEY FAIL TO REPORT IT AS DISPUTED TO CREDIT BUREAUS AND REPORTING INACCURATE INFORMATION WHICH IS AGAINST THE LAW. ACCORD TO FCRA SECTION XXXX. THEY HAVE NOT VALIDATED THIS DEBT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
My father passed away XX/XX/2016 and ALL of his effects, computers, everything was taken by a family from over XXXX yrs ago, he was paying the mortgage. They contacted Ditech and had all documents pertaining to my house and mortgage mailed to them, which means we had no way of contacting them ; no knowledge of even how to pay or who the loan provider was. We happened to find a paper in the house with Ditech on it and it turned out to be our loan provider. DItech our mortgage provider, we were snapped at and said that we ARE NOT the contact and they hung up on us. WE LIVE in the home and my mom owns half the house. But we had to wait until the court-appointed to discuss with them. That happened on XX/XX/2016. Almost XXXX months after he died, interest is still accruing, no payments made on the house yet. Then I contacted Ditech. I sent in all needed documentation. I spoke with a XXXX 
Ditech/XXXX then tells me my home is dangerously close to foreclosure, meanwhile, WE HAVE GOTTEN NOTHING WRITTEN BY THEM. I asked for an email, and they said they do not email anyone outside of DItech. I told them they had been dealing with some other person without any proof from the courts and that was irresponsible and reckless and now we are near defaulting on the loan. They are asking for XXXX paid at XXXX TIME!! This is unreasonable. We have nothing in writing ever sent to our house about anything regarding payments or the status of the house. 
I was feeling overwhelmed with this, so I asked a family friend to speak to them on my behalf and they asked for a written authorization, signed by me, allowing him to discuss terms of the estate. I have done everything they have asked ; all documentation sent. NOW, they are just dodging our phones calls, no responses, I email, I call, I leave messages, our family friend is doing the same, they are not responding. INTEREST is accruing and we want to figure this out. WE ARE NOT TRYING TO REACH FORECLOSURE. We just want to figure this out because Ditech allowed our information to be given to this other family prior to the court-appointed XXXX being authorized. If we had known or were allowed to speak with someone instead of being hung up on we could have made arrangements months ago. It should be illegal to just allow anyone to talk and change an address on someone else 's mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
DiTech, a " XXXX XXXX '' became the successor in interest to Greentree ( which had purchased our mortgage loan from XXXX XXXX I believe it was ). Around XXXX XXXX we received our annual escrow statement showing a large positive escrow balance accompanied by a " Shortage Adjustment Notification '' proposing a {$64.00} per month increase in the escrow portion of our monthly payment, accompanied by a footnote that the information provided did not require any action on our part. I took no action because I could not determine how they calculated a shortage. The XX/XX/XXXX Payment went with the standard payment - the pre-shortage notification payment and DiTech lowered the boom. It did not credit me with the XX/XX/XXXX payment at all, but deposited it to a suspense account ( whatever that is ), imposed a late fee of {$120.00} because the XX/XX/XXXX payment " had not been made '' ( on the escrow shortfall of {$62.00} ), claimed we were a month in arrears on our mortgage and will undoubtedly up the late fees and charges when I refuse to pay the late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I have an incorrect collection showing on my credit report with the original creditor being XXXX, but reporting as Pinnacle LLC. The original account was supposedly opened in XX/XX/XXXX, and was recorded as delinquent. I disputed the account because it did not belong to me and thought the matter had been resolved. Unfortunately, the account has come back and Pinnacle LLC is showing delinquent with a date of XX/XX/XXXX, pushing the old account forward XXXX Years from the original account date. This is not, nor has this ever been my account and I would like it removed from all of the reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
Debt Collector repeatedly tried to collect a XX/XX/XXXX debt I allegedly owed my graduate school for medical services/prescriptions not covered by my school insurance plan. Over the phone, my mother paid the debt collector {$410.00} by credit card on XX/XX/XXXX, based upon their employee 's verbal promise to reimburse her if we could prove the debt had been paid by the insurance company. If I ( or my mother ) did n't pay that day, the employee said they would make an adverse report to the credit bureau. My mother sent them a statement from the insurance company reflecting they had paid the school but the collector will not refund her money despite her written request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
We have a loan with XXXX. It shows up on our credit report as a credit card. They will NOT accept a payment via a credit card, only debit or, their preferred method, direct access to our bank account. We have thoroughly reviewed our agreement and the payment options on THEIR website, and it does NOT say that credit cards can NOT be used for payments. Upon making a payment, by debit card on the phone, only a confirmation number is given, with no way to request or print a receipt. They do n't give receipts, not even by email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Real Time Resolutions ( RTR ) does not respect the Fair Debt Collections Act, also breaking the Law. The Statures of time in California is 4 years. why is RTR disrespecting and breaking the Law, simply put. This is an old XXXX Loan # XXXX this is just one of I do n't know how many account numbers they have on me, my SSN # XXXX.. Because they hide the truth with many different account numbers you can never get the truthful facts from ( RTR ) there is no telling how many times they have been paid off, because they keep changing the account numbers. I 'm asking them to remove my name and SSN # purge it from their system and rescind any and all claims they have filed. With respect to XXXX XXXX XXXX SSN # XXXX property located at XXXX XXXX XXXX XXXX, XXXX Ca XXXX also XXXX XXXX XXXX XXXX. XXXX Ca.XXXX. 
Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On XXXX XXXX between the hours of XXXX and XXXX I went to First National Bank located in XXXX XXXX , PA to close my savings account, after contacted them in the past by phone they indicated me that I must be in person to any branch in order to close the account. Around XXXX they made an automatic transaction to my savings account with I asked to close in the afternoon, I call them nex day XXXX XXXX to clarify why they made the transaction and overdraft my account and charge {$37.00} fee, if I was in person and with time the day before in the bank to closed the savings and avoid this situation. They give a number to contact a supervisor XXXX XXXX this person never spoke with and someone told me he contact you and he never call me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MRS BPO, LLC
State: OH

Complaint narrative:
I noticed that MRS BPO LLC., is appearing my XXXX and XXXX credit files. I am disputing the validity of this alleged debt, for the following reasons : 1 ) The debt does not belong to me ; 2 ) MRS BPO LLC., has not sent me any documentation which links me to this account and they have not submitted their validation and position to collect on any such account, they have not produced any documentation of any signed agreement ( s ), which would also suggest this alleged account belongs to 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 2015-09-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Provide incorrect debt information to credit agencies despite emails, letter and documentation submitted to them. Ignoring and neglecting to respond to documentation and failure to perform proper debt verification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding LLC, has reported to XXXX that I owe them {$230.00} for which is absolutely erroneous. 
This an official complaint of dispute. 
1. ) The alleged creditor is a computer, that has generated this fraudulent debt of {$230.00}. 
2. ) The alleged creditor can not validate with an notorized " Affidavit '' that it is not a computer. 
3. ) The alleged creditor can not provide a singed agreement between the alleged original creditor to validate the claim that the consumers personal information belongs to the alleged debt of {$230.00}, in compliance with Fed R. Of Civ Pro 4, ( Probable Cause ). 
4. ) The alleged creditor can not provide a copy of the alleged original creditor, " Notice of Service '', in compliance with Fed. R. Of Civ Pro 4. 
5. ) The alleged creditor is in possession of the consumers email address, date of birth, SS #, previous home addresses, present home address, phone number, back acc info, and seeks to utilize said info across the state lines of Ohio and Mo, via U.S. Postal and or via internet to obtain U.S. currency, for which the consumer views as identity theft, libel, slander, cyber terrorism, tax evasion, money laundering. 
6. ) The alleged creditor seeks to confirm the claim of debt by submitting my personal information, without submitting any affidavit that would allow the consumer to know any of their personal information, needed to file complaint with The Federal Court. 
7. ) The maliciously filed debt notice appears as public record on file with theXXXX major credit bureau s, XXXX, for which has caused the consumer atypical and significant hardship due to deformation of character.

Company response to consumer: Closed with explanation