vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-05 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: MA

Complaint narrative:
I used to have an account with XXXX Internet service in XX/XX/XXXX. Today, I was advised from a collection agency called Debt Recovery Solutions , LLC that I owe XXXX. I know I do not owe this amount, so I called XXXX directly on XX/XX/XXXX at XXXX XXXX EST, and spoke with a XXXX representative from XXXX ( after being transferred a few times ) who located my account by address, and he told me that I do not owe any amount. He said when the account was active, the account was always paid in full every month. I asked him, " what should I tell the collection agency? ", and he said that I should give them my account number and they should be able to see that I do n't owe any balance. Unfortunately, I did not get the XXXX rep 's name, thinking the account number would be sufficient but if their calls are recorded, then they should be able to locate that call to verify. 

So I then called Debt Recovery Solutions, and spoke with a XXXX, and explained to him that this is not a valid debt because XXXX had just reviewed my account information and told me that I do n't owe anything. XXXX said he would remove the collection from my report, if I got a confirmation number from XXXX. 

So then I called XXXX immediately after my call with XXXX from Debt Recovery Solutions. I spoke with XXXX from XXXX XXXX XXXX, who took a very long time trying to locate record of which I owe any amount. She did not find any amount that I owe to XXXX, she does not show that I owe anything, however she could not confirm or deny that I owe {$160.00}, and referred me to Debt Recovery Solutions to verify if the debt is true, but when calling Debt Recovery Solutions, they are aggressively attempting to collect this amount regardless if this amount is true or not. If XXXX saw that I do not owe anything, then why would she refer me to the collection agency to pay something that I do not owe?

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 2016-02-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
XXXX XXXX 2016 To Whom It May Concern : Thank you in advance for your time and guidance. My name is XXXX XXXX XXXX XXXX XXXX and I am currently stationed at XXXX XXXX, Georgia. For the last few months, I have made several attempts to rectify a matter concerning the unauthorized use of my signature to obtain a home equity loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$30000.00} while I was XXXX. Upon reviewing my credit report a few months ago, I discovered several items listed in the " collections '' category ; XXXX in particular being XXXX Home Equity Loan Line of Credit, a loan that I did not request nor sign. When I contacted XXXX, I was informed that my former spouse ( XXXX XXXX XXXX XXXX ) had obtained this loan to include signing my name without any proper authorization. Several calls were made to XXXX to resolve this matter during which I was informed that there was a Power of Attorney ( POA ) on file. However, XXXX was unable to produce the POA upon my request. Since this time, the noted defaulted loan has been placed in collections with Green Tree Servicing LLC. I contacted Ditech Financial LLC / Green Tree Servicing LLC to discuss this matter and was later instructed to execute a Quit Claim for the property associated with home equity loan. 
The Quit Claim action was processed in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida in and for XXXX XXXX, a copy of this document was provided to Ditech 's Financial LLC legal department whereas they have negated to remove me as a party in this matter. I am seeking this agency 's assistant with resolving this matter, as there was no legal documentation in place authorizing my former spouse to sign my signature on this loan. Several times I have attempted to speak with the leadership at XXXX concerning the alleged POA they have on file and each attempt has been met with a failed point of contact. Enclosed with this complaint are several supporting documents : XXXX XXXX Property Information, XXXX Borrower 's Promise to Pay Note with my unauthorized signature, XXXX XXXX Notice XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for identity theft and XXXX credit report XXXX XXXX ). Again, thank you for your time and assistance, please feel free to contact the undersigned if any additional information is needed. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
the number provided represent a company I am independently contracted with but is not an employer - they have been notified to never contact me at any employment/contract venue ever. They have been notified repeatedly and continue to violate the request. Further, the last occurence, they failed to DISCLOSE the conversation was being recorded until AFTER making the representation that we were " friends '' or otherwise had an existing relationship - WE DO NOT. These tactics violate the consumer rights on many levels. 

Further, the amount of repeated calls - even several in one day is beyond normal volume and is considered harrasment.

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 2016-07-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Focused Recovery Solutions, Inc.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that FOCUSED RECOVERY SOLUTIONS 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 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 XXXX 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 is to only be revealed with the patients authorization, therefore my request is twofold 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I had a mortgage with XXXX in XX/XX/XXXX they gave my mortgage to a company called greentree servicing. My mortgage was XXXX at the beginning a couple of years ago I lost my job due to closing. So last year I applied for a home modification they sent me some papers stating that they would give me a temporary modification for XXXX year. They drop my payments to XXXX for a year. So this year XX/XX/XXXX that modification was finish. So I got a letter in the mail stating my new payment is XXXX due to the escrow paid my taxes and insurance while I was in this modification for that year. So I looked at the statement they charge me for XXXX years taxes and insurance but I did n't have the modification but for XXXX year. So I question them about this to a lady name XXXX she my representative she told me she did n't know about that I need to asked them. She also stated to me have n't they been paying your taxes and insurance since you been in the home I told her lady I been in my home for 9 to ten years and I always paid my own insurance they never paid it. I told her I can not afford these payment I need a permanent modification. They sent me the papers and when I sent them in they told my they could n't give me a modification because they did n't have the authority because the were just contractors for XXXX mortgage. I ask how can I contact XXXX Mortgage they would not give me the information. Please help me I do not want to loose my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
Refused to send verification of debt via mail after I repeatedly asked and told them I have not received anything through the mail in over a year. Debt collector then told me I was lying and told me not to waste his time so he could move on to someone who actually wanted to pay their bills. Refused to let me speak and laughed at me when I started getting frustrated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
I had a mortgage on my home at XXXX XXXX XXXX, XXXX, SC XXXX. The mortgage was originated by XXXX XXXX Bank in XXXX and subsequently assigned to Ditech Financial, LLC. The home was sold on XXXX/XXXX/16, with payment in full received by Ditech on XXXX according to XXXX of their representatives. The payoff received was more than the amount owed, and Ditech was holding almost {$2700.00} in escrow for insurance and taxes at that time. Since the closing occurred more than 30 days ago but I had not received a refund, I called customer service. The representative I spoke to said Ditech was holding my money and will issue a refund " sometime next week. '' I asked the rep whether Ditech was going to pay me interest for holding my money for 30 days plus w/o my consent and he told me they will not. He went on to say they are " required '' to hold any overages for 30 days. I am an attorney who represents banks and other financial institutions. I am not aware of any requirement that overages left in an account following a complete payoff must be held for 30 days ( plus another week for them to " process '' the refund ). I believe Ditech is using the float on my money to make more money for itself w/o compensating me for its use. I understand that Ditech services millions of mortgages in the US alone. If they are doing this every time a loan is paid off, they are making literally millions of dollars every year wrongfully withholding money from borrowers who have no agreement with them allowing them to do so without compensation after they ( or the lenders for which they are servicing the loans ) have been paid in full. Nice job if you can get it. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: ID

Complaint narrative:
I have been making my mortgage payments early. I sent a message to my mortgage company on XX/XX/2016 " RE : Early Payment applied to interest When a payment is made on the XXXX of the month for a payment due date on the first is extra dollars applied to interest? " I intended to say applied to principal. I received a letter from my mortgage company several months later stating they were researching my question. and have not heard back on my question. Before the servicing of my loan was transferred to Ditech, my former mortgage company adjusted the interest and principal amount to reflect the payment date. Since Ditech is working with the same loan documents, I am concerned there are no adjustments made when they receive the payment before the first of the month and if this is the normal practice for all customers.. In this case it appears there would be no advantage to making bi-monthly payments as suggested by numerous financial advisors. I am attaching several mortgage statements that indicate when the payment was received and how if was applied. Again my main concern is I have not received an answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
I thought my insurance toook care of the bill, everything was covered.I never recived a bill from this company. Then all of a sudden, I recieved a letter from a collection agency! I am still not responsable for the amount they are asking me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX, PLAINTIFF GREENTREE LLC, their attorneys XXXX XXXX AND XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX XXXX COURT REPEATEDLY REFUSED TO PROVIDE ME my Qualified Written Request under the Real Estate Settlement Procedures Act ( QWR RESPA ). I sent several QWR RESPA To PLAINTIFF GREENTREE and to their attorneys XXXX XXXX AND XXXX when I learned that a Foreclosure COMPLAINT was filed on my property. PLAINTIFF GREENTREE and their attorneys XXXX XXXX AND XXXX received my RESPA QWR certified priority overnight on XX/XX/XXXX. The letter was not acknowledged. The second request was certified in my Contesting Answer, and Counter Claim for Wrongful Foreclosure on XX/XX/XXXX. In my certification to the Court, I asked the Presiding Judge to Compel RESPA and Award statutory fines. On XX/XX/XXXX, at a Case Management Hearing XXXX XXXX XXXX XXXX, in XXXX, XXXX I asked the presiding Judge XXXX to compel RESPA, and for statutory fines, and she stated that my request would have to wait for trial. On XX/XX/XXXX, I filed another motion to Compel, and explained in great detail why I was requesting RESPA, and other Discovery so that I can properly defend my position before for trial. I was later DENIED by the COURT on XX/XX/XXXX. On XX/XX/XXXX I sent another certified letter to PLAINTIFF GREENTREE and to their attorneys XXXX XXXX AND XXXX, and received a response in a letter dated XX/XX/XXXX from XXXX XXXX AND XXXX XXXX XXXX. The letter states, " Please be advised that this office is in receipt of your correspondence to us dated XX/XX/XXXX and received in this office on XXXX XXXX, which purports to be a Qualified Written Request under the Real Estate Settlement Procedures Act ( RESPA ), with respect to the above referenced loan. Pursuant to RESPA, please be advised that XXXX, XXXX will provide a response ( to the extent appropriate ) by XX/XX/XXXX. To date I have not recieved my RESPA, and these dilatory actions have adversely affected me since I have not been able to complete Discovery, and a pending motion for summary judgement will be heard today. In addition to the lack of compliance by GREENTREE LLC and Attorneys XXXX XXXX and XXXX, XXXX XXXX is lending institution that is not affiliated or assigned to my Mortgage, and do how is XXXX managing my loan? Previously, I did send RESPA QWR to the XXXX XXXX XXXX, but XXXX refused to provide to me a physical address, and my letters to a XXXX XXXX XXXX unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
DITECH mortgage is a scam and ruining people 's lives and credit and they do n't have a care in the world. They process your mortgage payments at least 3 weeks or more after you have sent in a payment which the next payments has late fees because they took forever to process the payment. Asked for a loan modification due to my spouse 's XXXX and now I am in the foreclosure process. Things just dont add up, it takes eternity to speak to a rep and when you do they are rude and will transfer you around various times. They never receive any of your paperwork on time by fax or email. This company is a SCAM, RIP OFF how are they allowed to operate like this. Looking for help and a way out from DITECH.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I was in a pre-modifcation program where you make a certain number of payments and then are eligible for a permanent modification. I made all of my payments but I was receiving letters from the mortgage servicer that I was in default because I missed a payment. I sent a fax of the payment confirmation of the payment they said I missed and called to follow-up. I was told that they could not locate my payment and that my account was in active foreclosure. I called the next day and spoke to a young lady who located the disputed payment, acknowledged that the company received the funds and was helpful in contacting a supervisor and getting the issue straightened out, or so I thought. Since then I made my final payment of the series and have since received a letter notifying me that my account has been referred to an attorney, received letters from the attorney that due to failure to make payments that my loan is in default and foreclosure proceedings were being initiated. I have made all my payments, I can verify that the payments were made and applied to my account and yet they are proceeding with foreclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
On XXXX/XXXX/16 I sent Ditech a payment in the amount of {$20000.00}. This payment was for my XXXX XXXX 2016 payment of {$630.00} and the rest was to go towards the principal {$19000.00}. Ditech applied the entire amount towards the principal. 
I contacted Ditech on XXXX/XXXX/16 to resolve this issue. It was not resolved because of an internal problem at Ditech. 
I again contacted them the 1st week of XXXX because the issue was not resolved. Again, I was told they are experiencing a delay because of an internal issue. 
I again contacted Ditech on XXXX the XXXX as the issue was still not resolved. 
Ditech then sent me a statement on XXXX the XXXX stating that my mortgage was overdue and I was being charged a late fee of {$26.00}. 
I contacted Ditech on XXXX XXXX as this issue was still not resolved. 
On XXXX/XXXX/16 I sent a payment of {$2000.00}. The payment was for the XXXX XXXX 2016 payment of {$630.00} and the remainder was to be applied towards the principal {$1300.00}. 
I received a statement from Ditech on XXXX/XXXX/16 that the payment I sent had been applied towards XXXX and XXXX payments and towards a late fee of {$26.00}. 
I contacted Ditech on XXXX/XXXX/16 to speak with a supervisor. Again, I was informed by Ditech that this issue is in process of being resolved. 
I have called Ditech 5 times to resolve this. Each time I have called, I 'm told that they are in the process of correcting this but they are having internal problems that have caused a delay in service. 
This has gone on for a over month now without resolution! 
In the history of this mortgage, I have never paid late!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
On XX/XX/XXXX I brought a check for {$130000.00} payable to myself, my husband, and our mortgage company, Whitney Bank to the bank. The check resulted from our claim due to flood damage. The bank said they would send the check to XXXX ( XXXX XXXX ), the company which services their accounts. I also gave them copies of receipts for {$26000.00} that we had already paid out toward renovating our flood damaged home. XXXX later sent us a check for {$22000.00}. I had been told during two phone conversations with them that I would receive a XXXX of the insurance check amount in XXXX draws as we progressed on the renovation. I have contacted both Whitney and XXXX to try to find out why I did not get a XXXX of the insurance money. XXXX says they wish they could help me, but said it was up to XXXX. XXXX with XXXX called me yesterday and said the amount was determined by " a federal law '' ( her exact term ). When I questioned that, she said the local bank manager could decide how much to disperse. I asked if the bank manager could make a decision to override a " federal law, '' and she said yes. She said her company just does the paperwork for the bank. My husband and I are frustrated that the bank is not giving us a fair amount of our insurance proceeds, and that the XXXX companies involved say the other company is responsible. While the mortgage company ( XXXX or Whitney? ) holds most of the money, we are paying for the renovations, by writing checks on our second mortgage line of credit at Whitney which means we are paying them interest while they happily hold on to our insurance proceeds.

Company response to consumer: Closed with explanation