vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I had US Bank for approx. 30 yrs but I wanted to change banks for several reasons but then somebody got ahold of my debit card and purchased an it from XXXX it was not me so I did a fraud charge they returned the money and I closed my account they tried to talk me out of it but I did anyway Then six months I get a statement I had {$370.00} in there that is the amount of the fraud charge so I go down there they reopened my account without my approval I told them I didnt want to owe them or them to owe me again they tried to get me to stay with there bank I talked to the manager and the assisstant manager but they insisted I took it I still closed the account. Now they are insistng I owe them that amount I dont believe They had no authorization to reopen my account. Can you please help me clear this matter up. I would really appreciate it.

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 2015-04-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I had a house ( bought in XX/XX/XXXX ) put {$65000.00} of my own money into. I could n't make the payments on without a loan modification. At the time the mortgage was held by XXXX XXXX. We were working on a loan mod. I was making all payments and complied with all requests to get the loan mod. Suddenly my mortgage was sold to GREEN TREE. At first they did n't want to honor the deal I had going with XXXX XXXX, but finally relented. We worked out a 6 month deal that if I made my new amount of payment for 6 months we couls work out a loan mod. I did. The deal they offered me was the amount I owed on the house plus the amount of missed payments and they were going to work out a kind of vraiable interest rate. something like 3 % first 3 years 4 % next 3 years and then I think is was XXXX the rest of the loan. Totaling somewhere around $ 250,000+ for a house worth around {$160000.00}. I counter offered at {$170000.00} 5 %. They immediately said No my house was foreclosed on in a couple of months and sold at auction for {$110000.00}. I wanted to short sale, they said If I could get it done before the foreclosure date which was less then 60 days away. I let the house go. I was beside myself and felt so betrayed.I finally lost the house in XX/XX/XXXX. I just saw that GREEN TREE settled a lawsuit from you with similar cicumstances. I still owe {$49000.00} of the {$65000.00} I put into that house. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 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: Innovis
State: NM

Complaint narrative:
There are XXXX hard credit inquiries that I did not authorize on my credit report. One is from CBC Novis, and the other is from XXXX. These XXXX unauthorized inquiries have knocked my credit score way down. Help me. Why would/could they do this? 

XXXX XXXXXXXXXXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation
State: FL

Complaint narrative:
WORLD FINANCE CO XXXX XXXX XXXX XXXX, SC-XXXX XXXX could n't pay the loan ... and then years later got back on my feet ... was homeless after 11 year relationship passed away ... made my life not worth living for and to boot the workers bothering me over the phone XXXX you going to have the money and coming to my house and just dissing me anyay they can ... going to put me in jail ... my life will end ... of course i did n't want to go back there had enough issues weith the past death ... was my soul mate ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I have paid ditech XXXX $ To bring my account current and pay off negative escrow. I followed the instructions on contacting XXXX and he told me to first pay XXXX to bring my account current which I did. I then called back and was told if I paid XXXX that I would be current and my payments would be XXXX. I did that as well. I called for my XXXX payment and was told I have to pay XXXX and then XXXX payment would be XXXX because I am still short. I do n't understand how when I have done everything they asked me to. They are not working with me at all and keep giving me misleading information. I am now being told that the payment was not enough to cover what is owed but I have spoken to them numerous times and they paynents they told me to send is what I did. I did exactly what I was instructed to do and am still being told I am deficient.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Tormey Bewley Corporation
State: NM

Complaint narrative:
My ex husband claimed bankruptcy chapter XXXX on XXXX that was discharged on XXXX and then I later claimed bankruptcy chapter XXXX on XXXX discharged on XXXX despite these two filings this collection company has repeatedly continued to report false information and refused to correct it with our federal bankruptcy information.

Company response to consumer: Closed
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
My mortgage was with Green Tree who subsequently merged with Ditech. My payments are due XXXX of the month. In the past i have made the payments by the XXXX of the month and accepted the late payment charges. While with Green Tree this was seemingly never a problem, it is apparently a huge problem with Ditech. Inspite of me making arrangements and notifying them when my payment will be made I get no less than XXXX calls per day between my home and cell phone. The last call I received stated that my representative XXXX, who was ( is nasty on the phone ) would need to make a decision as to what she was going to do with my account come Wednesday XXXX XXXX. Really???? My account is not even 30 days late and I do not take kindly to underlying treats being made to me!! This is harassment and needs to stop, I had already advised them when the payments would be made, why are they continuing to even contact me let alone threatening 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 2016-05-26 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Shopping for a line of credit — 
Company: Innovis
State: NC

Complaint narrative:
CBC Innovis/First direct Lending I have tried working with my creditor in regards to an Inquiry. I have disputed Inquiries twice with the bureaus and extended the process two times, 30 days each time. The bureaus have sent letters to me saying to dispute it with my creditor. I have not had any responses from the creditor. My creditor has not responded to my letters. Therefore, I have reached an impasse with the creditor and need your help.

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

Complaint narrative:
I have been attempting to get a payoff letter from my mortgage company since XXXX XXXX. The payment is due in 5 days and they are not getting me the letter. I was told yesterday to call today for it ; when i called today it was still not done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Since Green Tree Servicing, now DiTech, purchased my mortgage loan from XXXX XXXX XXXX in XXXX, I have been struggling with getting them to investigate and stop late payment fees since XXXX. I was not delinquent when my mortgage was purchased, tried to resolve this with their customer service, which has been very frustrating with no resolution and with constant phone calls about delinquency and no ability to make payments online because of the late fees, so I had to mail payments or use Speedpay which cost {$12.00} per payment. Since XXXX XXXX, I have received numerous offers from Ditech to refinance my mortgage loan and have my late fees waived. I have no desire to refinance and I just realized that in XXXX XXXX, DiTech applied by full monthly mortgage payment to late fees, when I requested online that the full payment go to principal, interest and escrow. Now my escrow is out of balance for payments and I did not authorize my monthly mortgage payment to go to late fees, especially since, these late fees have been assessed incorrectly since XXXX based on inaccurate information at that time and Green Tree Servicing would not provide assistance to resolve. This whole situation has been unfair and working with Green Tree Servicing has been a nightmare with my efforts of contacting them to resolve and getting the run around and the calls regarding delinquency when I was n't were very unnerving. I have been patient long enough. The applying of my monthly mortgage payment to late fees without my authorization is unfair and abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
There is a collection account on my credit report that I have continuously disputed because it is completely inaccurate. I do not owe the amount reported, and the collection agencies can not provide any evidence to prove and/or verify the account. The account keeps being transferred from one agency to another, with no accountability, while severely damaging my credit ( and my ability to refinance my home ) and creating a financial hardship by reducing my income. 

In the last year, this account has changed from XXXX to XXXX to XXXX to the current holder, ECMC. I have sent letters by certified mail asking all of these agencies to verify this debt, and they have not. XXXX/ECMC is not only reporting this inaccurate account on all XXXX of my credit reports, but they are also intercepting any federal payment to me. They have reduced my XXXX income and they also withheld my federal tax refund. As of Tuesday, XXXX XXXX, 2016, a staff member from XXXX XXXX, XXXX, stated that they have my case in dispute and they will respond in writing in a few weeks. This is unbelievable and completely unacceptable! I still have n't received a response to date. I retired from my job for health reasons and this is creating a serious financial hardship. This is not my account! 

Following my series of disputes to the credit bureaus, I finally received a letter from XXXX XXXX last XXXX stating that they could not verify the account ( please see attached ), and would return the account back to the original creditor and delete it from my credit files. To date, it is still on my report, which is the account transferred to and now reported by ECMC. The credit bureaus keep sending me responses that this account has been verified, although neither XXXX XXXX nor ECMC ( or any of the other collection agencies ) can verify it, and despite my sending them a copy of the attached letter confirming this fact. 

During the first week of XXXX, I contacted both XXXX XXXX XXXX and ECMC again, and received the usual runaround. On the morning of XXXX XXXX, XXXX, an ECMC staff member, informed me that ECMC sent an email on my behalf to XXXX XXXX XXXX on XXXX XXXX, 2016, asking them to release the intercepted Federal payments, including our income tax refund, and said they are waiting for a response from Automated Collection Services. I never receive any responses or updates, while my credit continues to suffer and my income continues to be unjustly taken from me! I urgently request your help and assistance, as I have written several letters and made several calls, to no avail.

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 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My mortgage was sold to Greentree servicing. Due to medical issues, I fell XXXX month behind on my mortgage. I spoke with someone at greentree and told them I was planning to pay extra every month to catch up. I then became only XXXX behind. I then was put into foreclosure ... for being XXXX behind. I called greentree, they told me they mailed me a letter telling me to be current by a specific date. I never got this letter. They then stopped accepting payments from me, and told me I had to make pay all past due amounts at once. This included a check they cashed but put into holding, but did not reduce the amount I owed. It took a few months ( XXXX ) to get them to come up with the right amount that included that cashed check. I then attemped to pay the amount past due in total. I was informed that they sent an email to legal and had to wait for a response before they could accept payment in full. ( due to the foreclosure fees they needed to get info on ) I was constantly told to call back the next day, I did, eventually they began saying call back in a week, I did.. then it became nothing by being sent to voicemail and no one returning my calls. This occurred for a full year. I was then massively behind. At my wits end and months away from being kicked out of my home, I contacted XXXX. Only then did greentree talk to me about my mortgage again. They told me I only had XXXX option in the modification that extended my loan from XXXX more years, to XXXXXXXX XXXX! They then tacked on over {$10000.00} to my principle balance.. They claimed this was a charge for " capitol '' I now owe MORE on my mortgage than when I bought my home in XX/XX/XXXX. I contacted greentree to find out what this " capital '' was and they will only give the answer " Its just capitol on the mortgage '' That is not an answer. Bottom line, is that I had to modify a mortgage due to their negligence, and they get to add XXXX XXXX dollars to my principle balance. Contacting them has not gotten anything resolved. They went from being harassing and threatening me, to avoiding and causing extreme financial issues that could of been completely avoided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
My mortgage was being handled by XXXX servicing out of XXXX, IL up until XXXX XXXX. It was then turned over to Green Tree Servicing , LLC. I am having a difficult time resolving the change in my escrow payment since the loan was transferred to Green Tree. I have called numerous time requesting an escrow analysis but have gotten nowhere. 
First they told me they would do it, then I was told they were using the one that XXXX did this past XXXX. How can they go off an analysis that is number XXXX, old and not current? 
Two, Green tree told me that they paid my homeowners insurance when in fact it was paid by XXXX back in XXXX. 
Three, I recently received a notice from Green Tree and it was addressed to the woman that I originally bough the house with, but, in XX/XX/XXXX, I bought her out and the deed was put into my name. I asked Green Tree about this and got an argument from them that I needed proof she wasnt on the mortgage. REALLY??? how about you look at the title search that was done when I modified the load with XXXX???? 
I have also repeatidly asked for the manager, XXXX XXXX XXXX to contact me and explain this all to me. That was a week ago and I still havent received a phone call. 
I have also asked for help with my mortgage due to being out of work from a work related accident. Im a trucker and I rolled my truck on XX/XX/XXXX and have been out of work since. Still no solution has been even offered. 
The lack of attention to such an importatant matter and the fact that they are sending out collection notices to people that arent even on the loan is troublesome. Green Trees servicing lacks any and all consumer confidence for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
XXXX XXXX is in a financial hardship On XX/XX/2016 he sent in a loan modification package. 
Since then Ditech has held his file hostage and has refused to provide an update on the file despite the bankruptcy authorization on file. XXXX XXXX filed bk pro per and represents himself. There is no attorney assisting him. 
Please see attached phone records that show 48 hours of hold time. 
DITECH employees transfer the phone calls to the " bk '' department and the calls are placed on a perpetual hold. Not one employee has answered the phone. The call is then dropped each time after 3-4 hours of hold time. These calls were all placed at different hours of the day. At this point there is no excuse for the negligence. 
It is very obvious that DITECH is discriminating against XXXX XXXX based on his race, ethnicity, language, national origin. 
There is no excuse for the lack of assistance. 
Supervisors have been requested on numerous occasion and the lack of training is extremely obvious and appalling. 
The following employees have provided horrendous attitude and need further training. The lack of skill is very apparent. 
XXXX XXXX XXXX XXXX x XXXX promised she was going to get someone on the line and she intentionally terminated the call and failed to make a call back to address the issue and the dropped call. 
XXXX, XXXX, XXXX, XXXX, XXXX were also all employees who discriminated against XXXX XXXX and transferred him to the que where the calls are placed on a perpetual hold when. XXXX XXXX will be filing a litigation complaint in district court in regards to the negligence and discrimination from ditech. Furthermore, He wants an update on his file from the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WY

Complaint narrative:
I would urge everyone to contact the Consumer Financial Protection Bureau and file a complaint against Ditech. This company and the Federal Trade Commission were able to levy a fine on Green Tree for XXXX dollars for mortgage failure. Ditech is just a reorganization of that old company. I have already filed several complaints against them. I was up to date with my mortgage until I paid early, now I am behind and facing foreclosure. They have not applied all funds to my account, and they have not credited my account for the actual amount that I paid. 

I suspect that they have altered my billing history, but I have no way to prove this. If everyone holds this company accountable, we can get our money back and our mortgage back on track. Go to this website http : //www.consumerfinance.gov/ and file a complaint today. I am going to sue Ditech if they do n't correct their accounting errors. There are also several class actions out there, XXXX for foreclosure after paying early and XXXX for Ditech giving insurance companies kickbacks. Good luck everyone.

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