vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
I tried to refinance my manufactured home last year with my mortgage company only to find out that when we first purchased our home the title was never transferred to our name. Now Green Tree Finance Company refuses to produce the title so we can get the title put in our name and detitled so we can refinance. My mortgage company XXXX XXXX refuses to help me in this process. I now forced to hire an attorney which we can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
A couple of years ago I took out a loan from a company named XXXX XXXX. They ceased communication with me about a year ago but within the last few months National Credit Adjusters has been calling my work number. I can not take personal calls at work and after the second or so call to my work number I called from my cell phone during work hours to tell them. They continue to call my work number, which is a violation of the FDCPA. Today the representative from their company acknowledged that I did tell them to not call me at work but they did it anyway, and he says I wo n't talk to them at the other numbers they have called but they 've never left a message on any other number since I told them not to call me at work. They may be calling my cell phone from spoofed or unavailable numbers but because I get a lot of telemarketing calls unless I know the number or someone leaves a message I do n't pick up. It seems like calling from spoofed or unavailable numbers and not leaving a message is an attempt to skirt debt collection laws. Because this company has violated the FDCPA and admitted to it on their recorded line I want them to close my file and never contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: The Leviton Law Firm, Ltd.
State: CO

Complaint narrative:
Signed up for marketing tool that was represented would work for my industry - merchant services. When it is clearly a construction marketing service for general contractors after reviewing it. I was told I could cancel and I did. They have repeatedly kept contacting me and my parent company after written and verbal notice to cease all communication from my XXXX XXXX law firm in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
I 've been through a bankruptcy. My were debt were discharged in XXXX. Among them is this mortgage. I want Green Tree to do a Deed in Liu. I have made XXXX attempts. They have requested numerous documents which I have provided. The first time they told me they were closing my request for a deed in liu and that I had to evict the tenant presently in the house. So I started the process again. Sent all the ducuments again and asked my lawyer to help me evict the tenant. This process has begun. We gave the tenant 30 days notice as is required. The tenant was served this notice. Next month it will go to court if the tenant does n't vacate. Today I was informed by Green Tree that they were again closing my request for a deed in liu since the tenant is not yet out. 

Well since I 've been through a bankruptcy in XXXX and I 've begun my fresh start, I 'm not willing to compromise my private documents yet again for a XXXX time. I do n't see why Green Tree ca n't keep my request active until my attorney is able to get the tenant removed. I 'm not willing to go through the document sharing process again. 

In addition, the forclosure process in NY takes two years. I 'm trying to speed up the process with a deed in liu. The bank is n't willing to work with me. 

What do I want? Just keep my deed in liu request active until the the tenant is out and the deed in liu can occur. Asking for these docuements after a bankruptcy seems unreasonable to begin with. Asking for them XXXX times does n't seem to me appropriate at all. I just want to the bank to take the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
my property was in active shortsale process in underwritten with and a counter offer from the bank green tree that had removed the sale date for XX/XX/XXXX because the active shortsale negotiation, in the process Green tree sold the loan to dietech who put back the sale date and foreclosured the property it went back to fannie mae on XXXX XXXX, 2015 because Green tree failed to transfer the shortsale package to Dietech, and Dietech did not have any knowledge that the property was in shortsale and proceeded with the foreclosure, at this point I want my property back I do have all the proof documentation to sustain my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 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: AAA Collections
State: SD

Complaint narrative:
My Daughter is being Charged for some XXXX? that we did not consent to or order they have been after her for 6 years She is now XXXX I want her to be left alone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I purchased motorcycle in 1997 paid the loan in full and never received a lien release now selling motorcycle and do not have a clean title

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Ditech Financial has failed to provide {$740.00} payoff refund after 2.5 months. The mortgage was paid off on XXXX XXXX, XXXX. I called Ditech around XXXX XXXX to confirm payoff status and shipping address for refund. I emailed Ditech on XXXX XXXX, XXXX, requesting an update. I called Ditech around XXXX XXXX and was told that a refund was issued on XXXX XXXX, XXXX, but it would be reissued and should arrive within 2 weeks. On XXXX XXXX, I received a response to my original email stating that a refund was mailed on XXXX XXXX. As of XXXX XXXX, 3 weeks later, no refund has been received.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
PDQ Services , Inc is in violation of HIPAA on an account you have reported on my credit file. The company is XXXX XXXX XXXX, XXXX XXXX. ( A XXXX search of " XXXX XXXX XXXX XXXX '' returns the medical office # XXXX in the search results. ) '' Under a new FACTA provision, consumer reporting agencies may not report the name, address, and telephone number of any medical creditor unless the information is provided in codes that do not identify or infer the provider of care or the individual 's medical condition. This does not apply to insurance companies selling other than property and casualty insurance. ( FCRA 605 ( a ) ( 6 ) ). " I am requesting that you delete any reference to this account from my credit files contained on all XXXX credit bureaus..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
We bought our house XXXX/XXXX/XXXX. The insurance renews on XXXX XXXX of each year. On XXXX/XXXX/XXXX, the insurance company received the annual payment from Ditech. Ditech did not insure the house for 25 days, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Ditech disbursed from our escrow account the annual insurance payment on XXXX/XXXX/XXXX. The money floated on Ditech 's books for 46 days.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Revenue Assistance Corporation dba Revenue Group
State: KY

Complaint narrative:
RevenueGroup collection agency sent a collection notice to me for XXXX XXXX XXXX WITHOUT ever sending me a statement or paper bill via mail in the first place as I had previously requested. After inquirery with RevenueGroup, the representative insisted I pay immediately over the phone to avoid legal action and damage to my credit. He refused to investigate the issue. I have no idea what the exact charge is for. His tone was very rude and condesending. No contact whatsoever had been made to me regarding this charge by The XXXX XXXX XXXX group prior to the collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
At the beginning of the year, I asked DiTech if they did biweekly withdrawals from my checking account to pay my mortgage biweekly. They said yes and I approved them to start withdrawing {$600.00} every 2 weeks. That worked for 1 month until the first problem happened. They changed the dollar amount on the withdrawal themselves to {$590.00}. that went on for 2 months. Then the next problem was that they changed my account number without notifying me. I was told by them that they upgraded heir system and everyone 's account # changed without notifying any of there customers. 
This is where the real problems started in XX/XX/XXXX. I started getting phone calls saying I I was late on my payment and that I needed to get caught up. This was not possible since they were the ones taking my payment out of my account. After multiple phone calls and talking to supervisors we finally discovered the problem. They had somehow partially applied my payment to principle and left the other part in suspension which now was not enough to make a full payment. ( I do n't understand this either ). I was told that there new system did this to many people. Now it is XX/XX/XXXX and they still do n't have the problem fixed. I stopped the Biweekly program XX/XX/XXXX because they can not be trusted to handle it correctly and I have been making full payments for XX/XX/XXXX and XX/XX/XXXX. Now here is the real problem. 
Not only have they not fixed the problem, but I get harassing phone calls 3 times a week from a different person every time. I was told by XXXX different supervisors that my name and phone # would be removed from the call list until they fixed the problem. 
That turned out to be a lie. Now they are calling my work phone and still harassing me over a payment that they have. I am not behind on my payments. I have had this house for 14 years and always paid early and extra. DiTech took over XX/XX/XXXX and it has been a nightmare ever since.

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 2016-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: American Credit Adjusters
State: CT

Complaint narrative:
I got an automated call from XXXX stating that it was American Credit Adjusters and that they had a case that was filed with them against me. I was advised that my attorney or I needed to send something to them within 24 hours. It stated that they were going to pursue charges against me and I 'd be served at either my home or place of employment. I was told to call XXXX and provider my case # of XXXX ( my case # is my parents landline # and I do n't have any dealings with their phone at all so I do n't know where they got that information from ). They called my parents and my aunt, I 'm not sure how they linked my aunt to me but they 've gone that far.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
ECMC became the servicer of my student loans after, I unfortunately defaulted on my loans, which I am not able to understand, as I did not XXXX, yet someone received monies for studies in did not complete. Initially, XXXX was the collection agency " servicing " the loan, but after I became eligible for the income based program through XXXX, XXXX removed the accounts from my credit reports, however ECMC refuses to remove the negative items, but showing a XXXX balnce, but still reporting negatively, even after I have asked them more than once to remove them. These items are affecting my life hugely in a very negatively profound manner

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 2017-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I fell into default on my mortgage when I had to move for a new job and needed housing in a new city. I received a letter from my lender, DiTech, requesting that I contact them to discuss options. I have called five times now at times when they are open for business and each time am sent to the voice mail of a " XXXX. '' I left detailed messages each time along with my phone number and a request that she return my call. I submitted two different email complaints to the company about the non-responsiveness and my need to speak with someone immediately. They did not respond either. I believe that because I have mortgage insurance, they are intentionally avoiding me so that they can foreclose and collect the mortgage insurance and the proceeds from foreclosure. This is not right. They are required to offer me several options to avoid foreclosure but all of these are unavailable to me if they refuse to return my calls. Please help me with this as quickly as possible as the lender will foreclose very soon. The lender is DiTech Financial LLC at XXXX XXXX XXXX in XXXX XXXX, SD XXXX. Their telephone number is XXXX. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Dear CFPB, I started working on the loan modification with Ditech on XXXX and they had rejected my request, then I went to apply the XXXX California XXXX Ditech is participating lender, on XXXX XXXX I got an email from XXXX requesting supporting documents and was due on XXXX XXXX 2016 and I submitted it on the XXXX. however on the XXXX, I received a letter dated on XXXX from XXXX saying " your loan servicer has not approved your loan for participation in the XXXX program. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Mortgage company is not releasing escrow surplus refund afterhome has been sold for over 60 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Innovis
State: CO

Complaint narrative:
On XX/XX/2017 I filed an online request with Innovis Event # XXXX ( Proof of Address copy attached pg2 ) requested a free annual credit report. I never received the report. 
On XX/XX/2017 I called Innovis ' toll free line from a number they have in my credit file. I informed the CSR ( XXXX or XXXX ) that I had not received my report. We determined that it was not forwarded from my Arizona address to my Colorado address. He told me that they could only send the report to a verified address and said I could send a PO Box receipt for the new address by fax to Innovis with the event number. 
On XX/XX/2017 I sent a copy of my USPS box renewal notice with my name and current PO Box number to Innovis via fax. I also included a copy an envelope from my insurance company showing my name and the previous AZ address being forwarded to my current PO Box ( see Proof of Address - pg1 ). 
On XX/XX/2017 I received an unsigned letter from Innovis ( " Innovis Letter '' attached ) acknowledging that Innovis had received my fax of Proof of Address but required XXXX " of the acceptable forms of proof documentation reflecting your current mailing address ''. XXXX of the documents options that the Letter lists is a " Post Office Box Receipt ''. Since I already sent the official renewal invoice from my new PO Box , I have already verified the address as mine. 
It is unclear why Innovis believes that the US Post Office can not be trusted to properly vet persons that forward mail. I have not found that to be the case. In fact other major credit reporting agencies have not restricted forwarding of my credit report by the US Post Office to the same PO Box I have verified for Innovis. There is no justification for further delays in delivering my credit report to my verified mail address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
My husband and I have been trying to do a HARP refinance since XXXX 2015. Our current lender, Green Tree Servicing continuously blocks the process from going through. We were working initially with XXXX XXXX who basically gave up because Green Tree would not respond to their requests. Now we are running into the same issues with XXXX being unable to get them to move forward with the documents they need to move forward with our refinance. We are eligible for this refinance and would save us {$500.00} a month but Green Tree continues to block the process from moving forward to close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: World Acceptance Corporation
State: AL

Complaint narrative:
I applied for a loan and did n't receive any money at all. I do n't know why this is on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. MY SERVICER, GREEN TREE, HAS SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/2015. MY SERVICER HAS HAD A LONG-LASTING PHONE MALFUNCTION ISSUE SINCE LAST WEEK. I AM UNABLE TO COMMUNICATE WITH MY SERVICER. THE ONLY NUMBER PROVIDED TO ME IS XXXX XXXX XXXX. THIS IS AN AUTOMATED SYSTEM AND IT HAS HUNG UP ON ME MORE THAN A XXXX TIMES SINCE LAST WEEK. I HAVE HAD OTHERS CALL FOR ME ON MY BEHALF WITH THE SAME RESULTS - HANG-UPS! WHILE MY SERVICER WILL NOT ALLOW ME TO COMMUNICATE WITH THEM, THEY HAVE SENT ME WRITTEN NOTICE OF THE FORECLOSURE SALE FOR XXXX/XXXX/2015. I HAVE SENT EMAILS TO SENIOR EXECUTIVES AT MY SERVICER - THESE EMAILS HAVE BEEN IGNORED. IN ADDITION, GREEN TREE IS REVIEWING MY REQUEST FOR MORTGAGE ASSISTANCE AND AT THE SAME TIME CONDUCTING A FORECLOSURE SALE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has stopped using the Green Tree name and has replaced the Green Tree name with " ditech ''. I received my monthly statement dated XXXX/XXXX/2015. Upon examination of the monthly statement, I noted that all of the " other important information ... '' referred to Green Tree. That this error exists indicates lack of due care in the performance of tasks related to the business being conducted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
XX/XX/XXXX I filed for Chapter XXXX bankruptcy as I had lost my job and needed relief from unsecured creditors. I was granted this relief in XXXX XXXX. My mortgage is serviced by Ditech financial. This loan has never been late or short in any way since taking out the mortgage in XXXX. After filing the BK the statements changed to a notice for " informational purposes only ''. I understand this because of the BK but it has now been discharged and Ditech is not reporting the payments to the credit boroughs so the good payment record I have with them is not showing. I am trying to get back on my feet and have always done right by Ditech. They refuse to let me know the payoff amount and will not report to the credit boroughs. They still happily take my money each month though.

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