vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services
State: NY

Complaint narrative:
I would like to know why the amount of money going towards the principal of my loan ( ACS Eduacation FFEL ) versus interest on my account is so wildly different month-to-month. In the instance of XXXX 2015, my entire payment of {$170.00} went towards interest, while in XXXX 2015 it was only {$67.00} of that same amount. Obviously this fluctuation is of concern, as no money went towards my principal in that month. These payments were all made on time, so I am curious why this variance is in play -- as my loans from other lenders have very little variance in the ratio of principle to interest month-to-month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I am a XXXX year old female who bought my home in New Jersey XXXX years ago. Up until approximately XXXX months ago I was paying my taxes to the city. I did not want an escrow account. My mortgage and my property taxes were never late until my mortgage was bought out by another company. I went to the tax office to pay my quarterly taxes and they said that they had already paid them., to my surprise ... They told me the new mortgage company paid the quarter in full. I called them and they said that I must have an escrow account. They did not give me a choice. This is their rules, like it or not. Prior to this they never contacted me about such a change. Now my mortgage went from {$580.00} to {$1500.00}. My taxes for 2015 are {$9400.00} a year. 
My payment now went up {$940.00} instantly. I tried to explain my situation to them, that I get social security and a pension check monthly totaling {$1700.00} monthly. I also have XXXX part time jobs that pay $ XXXX.per month and the other {$1000.00} per month. When its all said and done I have {$1500.00} per month to pay all my house bills, food, car expense, insurances. You know that its not enough. At this point, I 'm looking for another job. 
After doing some research, I found out that if your home has 20 % or more equity into the home you own, it is against the law in New Jersey to force an escrow account on somebody. Also XXXX years ago, at the time of my closing, they asked me if I wanted an escrow account or wanted to pay my taxes on my own. I opted to pay directly to the tax office. In the state of New Jersey it is against the law to change it on me without my permission. I feel that I have been bullied into this. My credit score before this happened was over XXXX points. I 'm now afraid to look to see what it is now. Because I have other medical and dental bills I am paying off. I am very short on money. In the last 5 years I had to take a loan out for {$15000.00} for dental bills. I have since put my home up for sale because of this. What do you think I can do. These people said that if I do n't pay this bill, I will go into foreclosure. What can I do?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 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: World Acceptance Corporation
State: SC

Complaint narrative:
XXXX with World Finance in XXXX, SC ( as well as other staff members from this location ) have called my place of employment and disclosed that they were looking for me and which business they are from ( ie. World Finance ) regarding a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I get a collection from a company representing a Cellphone company but I paid my bill in full when I switch with my new company and never received any bills of balance due on anything. I get phone calls from collection agency asking about a bill I do not have any knowledge of. I want the calls to stop and the unjustified bill to be removed and cleared to XXXX balance immediately.

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: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: NJ

Complaint narrative:
This Debt keeps appearing on my Credit Report and i do not have any dealings at all with XXXX. Its now showing that i open XXXX XXXX accounts in 2014, I have no XXXX accounts, On my XXXX credit file it was removed but now it appears on my XXXX credit file. I have NEVER received and collection letters from Debt Recovery Solution so i dont see how they are reporting debt on my credit report. Let me be Clear, i have no XXXX accounts at all, no home phone, cell phone, internet etc, Please address my compliant. I would like to receive a written validation notice showing the date and time, where and when, i open these accounts, As i stated before, I have XXXX business with XXXX.

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 2016-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I made a payment of {$1000.00} to be applied to principal in addition to my regular mortgage payment XX/XX/2016. DiTech financial applied as an additional mortgage payment, not to principal. I 've contact them via telephone and email and they simply send me letter telling me that they are reviewing the matter. They still have not applied the additional payment to the principal as of XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation
State: OK

Complaint narrative:
I told them I could work out an arrangement with World Acceptance Corporation. They said no. They keep calling my job after they told them no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Recently while evaluating a Modification proposal from Ditech a number of issues were noticed which made acceptance impossible. In order to actually finalize the modification terms ( which were subject to change ) I first had to make 3 Trial Payments of {$2100.00} .This amount is higher than my original mortgage payment and certainly would not be manageable and would likely just result in another default. ( What is wrong with this picture?? ) The whole proposal is too vague and the unpaid balance is way out of line ( {$370000.00} vs my balance of {$280000.00} when I defaulted due to unexpected loss in income. Next was an estimated market value given as {$330000.00} on XXXX XXXX, then on XXXX XXXX in another letter the market value stated was {$320000.00}. Big drop in just 14 days ( Questionable info ). Last but not least-On the statement I receive each month it shows my regular monthly payment to be {$2100.00} and now recent statements show the payment as {$2200.00}. Why the big change ( No explanation ever given!!! ). I have offered other suggestions for possible remedy, but nothing seems to be taken seriously by Ditech or XXXX XXXX. My situation deserves a creative solution and I am still waiting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech -- and Green Tree before it -- is nothing more than a collection agency masquerading as a mortgage lender. Somehow, my XXXX XXXX XXXX mortgage loan was moved to Green Tree ( later known as Ditech ). The company policy of harassment was constant and their accounting always suspect. 
My complaint now is that I ca n't get Ditech to send me my escrow refund following the sale of my house. The company HAS sent me documentation that my transaction was settled and approved and that I was due an escrow refund, which they claim they have sent. There are numerous complains posted online regarding Ditech 's " check-must-be-lost-in-the-mail '' excuse, which is exactly what I got. I was told I would have to wait 30 days to request a replacement check, but now my requests are seemingly being ignored. 
I have filed a complaint with the Texas XXXX and will also file complains with the XXXX and any other agencies which might help resolve this matter. 
Although, there 's more to this than resolution. This company represents the worst in business models and business practices. And, apparently, there are limitations in the degree of punishment they can be assessed for their practice of delinquent escrow refunds. 
I feared/expected " more-of-the-same '' treatment from Ditech, even after ending my business relationship with them. And more of the same is what I got.

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 2016-06-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Dream Center Education Holdings
State: SC

Complaint narrative:
South University failed to communicate with me about a debt that I owed. When I was in school they notified me that I did not have financial aid, when I was in the second week of the school term. Instead of offering more loan services, I had to drop classes or incur more debt. They never sent me an original bill at my address and I had a XXXX balance at this institution. I am being contacted by XXXX XXXX XXXX, a debt collector, collecting {$1000.00}. I do n't think this debt is valid. I asked him to validate the debt for me and he could not.

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 2016-12-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Dream Center Education Holdings
State: AL

Complaint narrative:
XXXX, applied & approved for school loan from federal government /received XXXX separate loan amounts to cover entire 2 years of my XXXX XXXX plus one year XXXX ( {$59.00} thous & {$39.00} thous ) XXXX, applied & approved for tuition reimbursement at XXXX XXXX ( XXXX ) to cover 65 % or higher based on maintaining B above average. 
XXXX to XXXX, submitted via fax grades plus copy of school fees to XXXX ) /name of person accepting fax, " XXXX XXXX XXXX XXXX XXXX, XXXX completed a large layoff ( attrittion process & closed ) XXXX XXXX, Graduated and obtained my XXXX XXXX XXXX, I was approved & placed on a 4 year deferral with no payments XXXX, approved for hardship and paid minimal amount XXXX or sooner loan transferred to a collection agency in which they eventually added another {$30.00} to {$40.00} thous. 
XXXX or XXXX, agreed with collection agency to enter a rehab program for 10 months to make monthly payments of $ XXXX-not sure of amount-unable to complete program due to their error. 
XXXX to XXXX, loan increased another $ XXXX {$40.00} thousand/treats of wage garnishments etc. 
XXXX, agreed again with collection agency ( CTI ) to make monthly payments from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Completed program successfully. 
***This is just bare bones of story but just wanted to give you an idea of process & rough timeline. I met HR trainor, XXXX XXXX my first year at XXXX XXXX XXXX ). And of course, XXXX XXXX I never met just sent the fax as proof of attendance, grade point average and cost of courses. 
Keep in mind that XXXX agreed to pay once I completed the courses and graduate and in the XXXX I had to use my federal loan as payment to the school. In other words as long as i submitted in a timely manner my grades, tuition fees & amount loaned to me by federal government, they would reimburse me that amount once I graduated. 
***I also moved so many times ( 13 times ) since moving to XXXX so I know I lost a lot of paperwork in that process, however they should have a record of it too..fortunately I do have a lot of the faxes I submitted to dept of XXXX & XXXX at 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 2015-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
My husband and I refinanced our home in XXXX, 2015. The former mortgage company was Green Tree. Since then we 've gotten several letters and phones calls from them regarding different things from insurance nonpayments to today 's call saying that we owe the XXXX payment plus other charges that were n't named. On their own website it shows that we have a balance of XXXX but they state that 's inconsequential and incorrect. The conversations have become increasingly rude. I 've had my mortgage broker call on my behalf but they tell him one thing me something then my husband something different again. 
Previously, they failed to accept the cancellation of my homeowners policy so they paid XXXX policies for a year and a half leaving my escrow several thousand in the negative. I had to deal with that myself with no help from them. Next, they are hounding me for XXXX 's payment that I do not owe and are being rude. Why would they tell us an incorrect amount for payout? Now they are threatening to make the escrow balance even less and therefore me owe them more by paying the taxes that are due even though we have paid off the account. UGH! The woman on the phone seemed to think she was being tough or threatening by stating that the account was still open and we still owed money. Please help! THESE PEOPLE ARE HORRIBLE! THE ONLY GOOD NEWS HERE IS THAT WE HAVE MOVED ON TO ANOTHER COMPANY!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I received my regular mortgage bill with an extra amount due monthly. It states is for attorney fee for a foreclosure in the total of XXXX. I called them asking how this is? They stated I went into foreclosure when I did n't and told me this is their attorney fees, I asked them for a copy of the attorney 's bill they received and proof I went into foreclosure. They have history of doing this to people and false charges. They stated they had no proof that they only had a letter that was sent to me a XXXX ago stating my account could go into foreclosure if Im not caught up. I was late XXXX month and this does n't constitute foreclosure and nor was foreclosure started. I would like a copy of the attorneys bill for the amount they are charging me. They are always extremely nasty on the phone to me and threaten me in different ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Credit Network Inc
State: NV

Complaint narrative:
this company has placed a fraudulent account under my personal information related to an address ive never lived at for a gas bill. i faxed over the police report that my identity was stolen along with the FTC affidavit.in XXXX XXXX 2014 I faxed over the police report and supporting document and they failed to remove these account with in the 30 day statue permitted by law. ive called over XXXX times with no luck they keep asking me to send the police report which i have not XXXX but XXXX times. i ask that my right as a identity theft victim be enforced .i ask that this account be removed immediately since this account has hurts my person and my credit in the past and i was denied a home loan XXXX different occasions and i had to pay higher interest rates and suffered financial hardship because of them

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 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My loans were in deferment for 1.5 years during XXXX school. As I was planning to begin repayments of prior loans and loans ending their grace period, I noted many inconsistencies on my online account. The online accounts are not updated to reflect payments made regularly. It was also impossible to determine when payments were due for different loans. This information was not only unavailable online, but inconsistent with different customer service representatives even within the same day. Over the last month, I had been contemplating consolidating with another company due to the poor service. I am a responsible consumer and my experience in trying to repay my loans has been terrible. I do not trust this company in servicing my student debt and educational investments.

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

Complaint narrative:
The Company Ditech is harassing me with phone calls. They have stated in the past specifically to XXXX. That I was on a no contact list. They are still calling. They lied to XXXX. I have told them to stop. They continued to call. On the XXXX of XXXX I received two calls within 4 Hours. I have told them to stop and they continue. I have also sent them a cease and desist letter. In the past they have called my neighbor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
Requested possible solutions to avoid foreclosure. Opted to apply for a loan modification before trying a dead in lieu or short sale. 

I have never heard back from the Service Company about the Loan modification application, beyond requesting a form to be filled and signed for credit check. Filled, signed and sent in promptly. 

Receive letters from loss mitigation department, call get no response. Leave multiple messages asking for options other than foreclosure and outcome of loan modification application. Never get a return phone call from them. 

Received yet another letter from loss mitigation date XXXX XXXX, call and get no response. Shuffled into the same voice mail box, requesting options other then foreclosure and the status of the loan modification application. Receive certified mail informing of a foreclosure auction date for the end of the month. Letter was signed 2 days prior to the loss mitigation letter. 

I 've still never heard back about the loan modification application. From what I understand, they need to send a denial reason by mail, which was never received. From what I understand, they have to make a good faith effort to work something out when we are all looking for a better option than foreclosure. No return call or letters about the modification do n't sound like an effort on their part. 

All we want is to postpone the foreclosure date and work on another option with the Service Company. Short Sale, Deed in Lieu or traditional sale as the value of the home is hire then what is owed. Homes in this area sell fast and often well above asking price.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I made an additional payment to my mortgage and it was not applied correctly. I contacted the company 6 times to correct, but it is still wrong.

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 2016-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
My mortgage company changed the locks on my property after my XXXX house payment was 51 days late. I had called and talked with my account executive above being late with my XXXX payment due to seasonal work but I would make that payment in XXXX and my XXXX payment-I would have funds by XXXX XXXX. I called my rep on Thursday XXXX XXXX to make the XXXX payment and schedule the XXXX XXXX. The rep told me that they had sent someone to my property ( 51st day late was XXXX XXXX ) & they reported it vacant/abandoned. I told her that the property was vacant but not abandoned & that I have had vacant - insurance, etc. She made some comment about stopping " them from changing the locks '' and getting it straightened out. On Friday the XXXX after XXXX I went to my house and " someone '' had broken into my house - changed the locks, put a lock box on & some sticky notes stating : " The mortgage company holds the right and duty to protect this property. The property may be rekeyed and/or winterized within 3 days '' Is this even legal? NO phone call - NO overnight letter - The house was secure - they had to RIP my locks off my steel door. I have kept the " pieces '' as proof that the house was securely locked and they did not get in easily. 
On Saturday the mailman left a note regarding a certified letter that I can pick up AFTER the XXXX. I assume it is from the mortgage company. ( The mortgage company uses my current mailing address and must be aware that it is different than the property address on the loan. No mail deliveries are make that address ) Also I think this loan is a conventional loan.

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