vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have been asking my mortgage company GREENTREE LENDING for a loan modification several times and they deny me for no reason at all. They never give me the chance to fill out the application. They just say that they ca n't give me a modification. My payments are over XXXX a month. This is causing great stress. This is a XXXX account. I never wanted my mortgage with GREENTREE LENDING. However it was transferred right under my nose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Green Tree Servicing LLC and its affiliates keep on calling me at all time of the day regarding a mortgage payment. I never signed any note for this company. I asked them on many occasions to stop calling me. They wo n't stop. I would like to have them to destroy any record they may have created on me for whatever purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I took my ex-girlfriend 's XXXX son to XXXX XXXX XXXX, with the agreement that the mom would pay any fees incurred. The doctor 's office 's posted financial policy, that I agreed to, states only the custodial parent will be held responsible for any unpaid balances. In addition, the State of Georgia has a Parental Responsiblity Act reflecting a law which states only the custodial parent can be held responsible. XXXX XXXX XXXX says, since I filled out the medical forms, it is assumed that I am the parent, therefore have joint responsibility. Georgia laws and the merchants financial policy state otherwise. I have disputed this debt numerous times with XXXX and all they do is verify whether or not the doctor 's visit took place. That is not what I am disputing. I am disputing the legality of being held responsible for the unpaid debt and having it posted to my credit report by PDQ Services XXXX Inc. When I provided parental records, legal documents, financial policy, and copies of the laws to the credit reporting agency, creditor, and collection agency ; they refused to honor the documents. I have provided more than enough information to be exonerated from any financial responsibility and have had no solution from any party. XXXX will not honor the information I provided and referred me to get help from Bureau Consumer Financial Protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
This is a continuation for case # XXXX # XXXXDiTech Financial, LLC f/k/a Green Tree Servicing - Account No. XXXXThis letter is regarding your response to my complaint. 
We requested a loan modification in writing. The owner of our loan provided no explanation as to why we did not qualify for a loan at the time of our request. Furthermore, they did not provide us with any other options besides payment deferrals, at the time of our request. We believe that the interest rate was predatory. 

Our account is actually overpaid. Attached are payments that were not posted in the documentation you provided. Each of these payments should be posted to our account. And interest for each of these should be credited at 12.99 % or the interest rate charged for the loan and compounded annually as they were not posted. 
In the previous response, you did not address the harassing phone calls neither did you provide an explanation for the miscellaneous charges or legal fees. 
The bankruptcy issued needs to be address also, I filed in XX/XX/XXXX and had a XXXX in XX/XX/XXXX. The balance on the account is NOT DECREASING. We did not have any payment deferrals during this time, we paid bankruptcy and regular payments to Green Tree during this time. As of today, the balance is XXXX, why is there not any payment being applied to the balance? We have had this loan for sixteen years, bankruptcy included arrears payments which should have brought the balance current to sixteen years. 
Insurance, I see that payments were applied to insurance in XX/XX/XXXX, XX/XX/XXXX, etc., We had home owners insurance with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, policy number XXXX, there should not have been anything applied to insurance during this time period. ( Attachment K, XXXX XXXX Policy ). There are transactions listed on your History Report were payments were credited to Insurance. 
As a loan service provider you have a responsibility to assist consumers when you see them financial distress and they should reach out to you. Those responsibilities carry over with each service provider and should be taken seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
I wrote ECMC on XXXX asking for legal validation of this debt. It has been 30 days and they have not responded.

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 2016-04-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
i have received a loan modification and am up to date on my payments but i keep getting threatening phone calls, letters, saying i am not. i get harassed on a daily basis. finally they put me through to a supervisor who says the system is not updated yet. this has been going on for 3 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
Received this loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX. It was for {$6000.00}. This was to be forgiven when I XXXX in a culturally deprived or low income district which I did by XXXX in XXXX Ca. and at XXXX XXXX in XXXX XXXX. The XXXX program, administered by the state was supposed to complete the forgiveness process in XX/XX/XXXX-XX/XX/XXXX or so. This never happened, in spite or many attempts on my part to contact them and have the loan forgiven. Since then the loan has been boughtand sold several times and is now in the hands of XXXX to the tune of {$12000.00}. This is utterly ridiculous. It 's been nearly 20 years that I have been paying on this loan and trying to get it forgiven.

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 2016-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: GMA Investments, LLC
State: SC

Complaint narrative:
I have received several calls from a XXXX XXXX at Summit Receivables ( I had to research and find what company ). This person /company has told my employer, my children, my parents, my spouse everything about my debt including the fact that they were going to send someone after me. My employer now knows way too much about this and she is somewhat intimidated and frightened. This is so scary. They are bullying me and threatening me and that is not okay. They left a voicemail on my little boy 's phone with everything and he is now scared I will be arrested. This is illegal and outrageous. I may owe a debt but that is no reason to involve and bully so many people.

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 2016-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Made Billpay payment on time XXXX/XXXX/16. Online at Ditech my account shows this payment was received on XXXX/XXXX/16. Harassing phone calls started on XXXX/XXXX/16, though this payment had been paid. Ditech claims it was returned and they could not tell me why. My bank says it was not, and further that an electronic payment COULD NOT be returned. My bank faxed this to Ditech. After a week Ditech still could not find the fax though i have proof it was received. Faxed it again. Ditech continued harrassing phone calls every other day, very long calls where they spoke to me as if it was the first time we 'd talked, even though I was contesting this amount and had proven it was paid, and was waiting for them to find the fax. On XXXX Ditech acknowledged that they found the money, the matter was resolved, and they would credit back to me the {$190.00} (!! ) in late fees they had charged. They still have not done this, and the harrassing calls continue. I called today and could not reach anything but a voicemail and have had no return call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: PA

Complaint narrative:
I have had XXXX problems this calendar year with my student loan lender misapplying funds for a consolidated payment paid by personal check. I have XXXX federal loan and several private loans consolidated into XXXX payment, which has been the case since XXXX. The first time there was a problem in XXXX, the lender moved XXXX penny from the federal loan to one of the private loans, and put the federal loan into past due status. This was resolved during a telephone call but I am very concerned about what led to the company tampering with the payment. Also, I discovered this problem when I received an invoice for an odd amount, and called them, at which point I was advised that I was past due. This lender always confirms check payments by email and telephone payments by letter or email. In the case of this overdue status, I received no communications about the problem. All of my email and other addresses are current. In XXXX, XXXX, I again received an invoice for an unusual amount and called them to inquire. This time, they are claiming that the check I sent was deficient in the amount of {$.00}. This is wrong, I have the XXXX statement, and I wrote the check for the correct amount. As a result of their error, I was put into past due status on XXXX private loans. I corrected this on the telephone by making a {$1.00} payment to each loan. I am very concerned about these repeated errors, and the failure of the company to notify me when there has been an issue. I am also concerned that their errors could impact my credit rating. I have not made a late payment in the 14 years that I have paid on this loan. Earlier this year, I paid off one of the private loans and it was shortly thereafter that the problems began.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GMA Investments, LLC
State: WA

Complaint narrative:
My sister started receiving calls from a placed called Summit Receivables ( XXXX ) regarding a undisclosed debt on XX/XX/XXXX. After receiving a message from my sister I contacted the number above. When I called they would not identify the debt in question. They tried to ask for my ssn to look up the supposed account. I did n't give it to them. I had to call back a few times because the people would yell at me and hang up the phone.. Whenever I would request some sort of debt validation. They never identified the debt over the phone nor did they send any letter of validation after I contacted them. I also reviewed my credit and I do n't see any collection activity from Summit Receivables. My sister contacted me again the other day stating that she is still receiving call from them even though I called them from my number. She said that now they are claiming it 's in regards to " her debt. '' they might be contacting my dad as well, as he told me yesterday a collector called him weeks back asking for me. I have n't put any of these family members on any credit related items. I think this is a scam.. I have researched online and found many other people complaining about the same place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: McCalla Raymer Leibert Pierce, LLC
State: IL

Complaint narrative:
On XXXX/XXXX/16 I received a letter from the law firm McCalla Raymer Pierce. The letter informed me that they intended to commence foreclosure proceedings and asked to respond if I felt the amount was in error. I responded with the attached letter on XXXX/XXXX/16 that I did indeed dispute the debt amount stated. My letter was a QWR and as such, the firm 's failure to respond is a per se violation of the Fair Debt Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
As a result of filing a complaint for Case number : XXXX, Ditech has now accelerate the note to default because they claim they did n't know if we wanted to stay in the home and were restricted from calling us. This is unfair practice, not true and retaliation! I have made many attempts to call and left messages to response to my calls with no return calls. I have asked for repayment documents agreement and have never received them. We are only 2 months behind and when we finalize selling one of our assets, we will bring the mortgage up to date. Please advise on how we can stop Ditech from conducting this unfair practice and the acceleration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
America 's Car-Mart is a used car franchise headquartered in XXXX, AR and operating in XXXX states. They are a publicly traded ( symbol CRMT ) version of the " tote the note '' car lots of old and as such, they participate in a variety of shady and/or outright dishonest practices. 

Car-Mart currently has a promotion that claims you can buy a car for " {$100.00} down '' with signs on the road, signs on the cars, and a sign on the front of the store. But once you go in to inquire about it you find that it actually only applies to a small percentage of the cars they have in stock. And later, you find that it is n't actually {$100.00} down. It is {$100.00} OF the down and you still owe the rest on top of the payments. 

I picked out a car which they said was included in the program - a XXXX Mercury Grand Marquis. And what I found was that once you go inside to actually do the paperwork, the deal changes to, you pay {$100.00} of the down payment and still owe the rest ( in this case, about {$1600.00} ) which they finance on top of your weekly or monthly payment. The result is that you 're buying a car worth maybe {$5000.00} ( per the actual condition ), and you 're paying over {$8000.00} and it is n't {$100.00} down. It is {$100.00} OF THE down which results in payments of almost {$500.00} a month for the couple of months, a lump sum of the rest of the down payment ( in this case, {$690.00} ) and then regular payments of {$180.00} twice a month. If that is n't bad enough the car I pursued had XXXX mismatched tires, XXXX of which looked like they could blow out any day. 

I have a copy of the promotional material which states the terms, a copy of the proposed contract which shows the real terms, and the XXXX XXXX XXXX report which shows the actual value of this particular car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I would like to know who owns a home equity loan. I keep getting correspondence from XXXX banks. This loan was originated by a different bank and has been sold numerous times. I want to know which company OWNS this loan not which company services the loan. When was this loan acquired and what is the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
This is my second complaint against my wife 's mortgage company, PennyMac of XXXX, CA. XXXX. 

She was the victim of arson back in XX/XX/XXXX. Her insurance company shelled out nearly {$10000.00} for the repairs. We 've received less than {$20000.00} and that was back in XXXX. We have yet to see a check in XXXX. We have done everything they 've asked and yet we ca n't get XXXX money to repair our home. Too many excuses. 

My wife was given a trial modification. She paid all 3 months as required. She was then given a permanent modification starting in XXXX and yet we were still served with foreclosure papers. We had to go to court to let them know we were in modification. Can someone please explain to PennyMac that dual tracking is against the law? Can someone please serve PennyMac with a copy of the National Mortgage Settlement Act of XXXX so they will have their very own copy? it appears no one there has ever heard of dual tracking. At least that 's what they tell my wife when she calls. This is my final complaint. My next action will be in a court room.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
Visited doctor 's office ( XXXX XXXX XXXX XXXX, XXXX, XXXX, NJ ) in XX/XX/XXXX. Paid co-pay amount as per the doctor 's office at the time of the visit. 
Later, we received an invoice for {$180.00} from Doctor 's office. We denied to make the payment as we were not informed by extra payment at the time of the visit. Doctor 's office hired a Debt collection company ( Savit Collection Agency ). They called us few times. We explained them our position. We reported this issue to insurance company. As per the insurance company, Doctor 's office was supposed to call insurance company at the time of treatment to find out and inform patient about total out of pocket cost associated with consultation ( doctor mostly talked about how busy he is during consultation and did n't get any treatment ). We disputed the amount due under collection. SAVIT kept sending letters for collection. 
Finally, we made full payment ( {$180.00} ) to doctor 's office on XX/XX/XXXX via XXXX XXXX credit card. 
Collection agency ( Savit ) never reported to Credit Bureaus that this matter is settled with patient. Intention was to put our credit in jeopardy. 
We opened up a case on a website ( XXXX ) in XX/XX/XXXX as we were interested in buying a house at that time. They rejected case and did n't do anything to fix our credit. 
We see this as an attempt to jeopardize our credit to give us hardship by Doctor 's office and/or SAVIT Collection Agency. 
As we speak, we are in the process getting loan for our new house. Lender is offering us higher interest rate due to my low credit score. I never had any outstanding payment and/or behind on any payments in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Describe what happened so we can understand the issue ... 
I have a chapter XXXX bankruptcy listed on my credit reports with all XXXX credit bureaus. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from my credit file. The United States Bankruptcy Courts DO NOT report any activity to credit bureaus nor do they verify that the information reported is accurate because Federal law protects the privacy of most personally identifiable information reported. Credit bureaus however actively search public records for any judgments and tax liens through third party research. I would like these markings of bankruptcy removed from all XXXX credit bureaus because of defamation, negligent enhancement of identity fraud, and violation of the Fair Credit Reporting Act.

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 2015-07-16 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BlueChip Financial
State: GA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, IL XXXX. This company is attempting to collect a debt that I do not owe. XXXX is falsely accusing me of not fulfilling a contractual obligation with SPOTLOAN ( PAYDAY LOAN ). I have never heard of this entity and have not done any business with neither the debt collection agency nor the creditor. 
I am not sure how this entity has obtained my information but I can assure that I have never applied for a payday loan.

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