vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 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: Convergent Resources, Inc.
State: MS

Complaint narrative:
I have a Creditor Statement from XXXX XXXX XXXX XXXX XXXX XXXX a debt consolidation program regarding the checks/payments they paid on our behalf to our creditor Convergent Outsourcing Inc. in which the original Creditor is XXXX. This bill in the amount of XXXX dollars and XXXX cents ( {$460.00} ) has been paid in full. As per the Creditor Statement payments are as follows : Starting XXXX/XXXX/XXXX To XXXX/XXXX/XXXX XXXX dollar ( {$20.00} ) monthly payments a total of 14 consecutive payments. *On XXXX/XXXX/XXXX a XXXX dollars and XXXX cents ( {$110.00} ) payment was issued and this is the missing payment, *Check number XXXX. On XXXX/XXXX/XXXX a final payment of XXXX dollars and XXXX cents ( {$68.00} ) a total of XXXX dollars and XXXX cents ( {$460.00} ). During a conversation on XXXX/XXXX/XXXX with a representative of XXXX XXXX XXXX XXXX they stated that according to their records check No. XXXX in the amount of XXXX dollars and XXXX cents ( {$110.00} ) was issued and paid to CONVERGENT OUTSOURCING INC., and has been cashed by CONVERGENT OUTSOURCING INC., they told me that they will not be reissuing a second check to them in that amount since the check has already been cashed. Today XXXX/XXXX/XXXX I spoke to a supervisor at Convergent Outsourcing Inc. XXXX XXXX and she acknowledged that they received all payments from XXXX our credit consolidation company and that XXXX submitted the proof they required that payment of {$110.00} was in deed paid to them. They can not locate the payment themselves. There is no problem with XXXX because they have the proof that the payment was made to Convergent Outsourcing. Kindly help us to have our account with XXXX XXXX to be cleared once and for all. XXXX XXXX still has our account as unpaid and that we still owe them {$99.00}. as per XXXX XXXX, manager. 

on XXXX/XXXX/XXXX my wife handles all of the bills and she spoke with a representative at Convergent Outsourcing about all of this. That 's when they told her they did not receive the {$110.00} dollar payment. Although they did receive it and cashed the check. My wife does the majority of the phone calling and handling of the bills in our house. Its a small amount of money to be going back and forth over. It is totally ridiculous. I and my wife spoke to them over the phone together today XXXX/XXXX/XXXX to see if we could get this resolved to no avail. They are unwilling to credit my XXXX XXXX account and make the correction. XXXX XXXX at XXXX XXXX claimed he could not help us because he turned the account over to Convergent Outsourcing and Convergent Outsourcing is saying they cancelled the account and returned it to XXXX XXXX unpaid. This is ridiculous. We are in the middle of this confusion with no where to turn. Please help! 
Convergent Outsourcing Inc . 
XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 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: TN

Complaint narrative:
I received a letter from this company claiming that I owe them money and to my knowledge this company has never provided services to me or for me and I 've never entered into a contractual agreement to pay them for anything

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: ME

Complaint narrative:
I was charged a " late fee '' of {$15.00} in XXXX 2016. When I questioned them about this charge, I was informed that it was not a late fee but instead was for the following : " The charge to the account was for a Broker 's Price Opinion ( BPO ). A BPO is not the same as an appraisal. A BPO is an estimated value of a property as determined by a real estate broker or other qualified individual or firm. One of the factors used by a broker is an estimate of any of the costs associated with getting the property ready for sale and/or costs of any needed repairs. Records indicate that the BPO was ordered due to the delinquency of the account. Ditech set up this charge as an advance to be collected in a payment of {$15.00}, beginning with the XXXX 2016 due date. As of the date of this correspondence, the remaining balance of this advance is {$0.00} as the fee was collected on XXXX XXXX, 2016. We are unable to comply with your request to apply the {$15.00} to the principal balance as this was not a late fee assessment. As of today 's date, there have been no late fees assessed to the account. '' The problem here is that my account WAS NEVER DELINQUENT and any confusion here was 100 % related to them misappropriating the payments that I made to them beginning a few months earlier. Furthermore, I have NEVER been charged any late or delinquent fees, NEVER received any notices that I was late or delinquent on ANY payments and I was never in a position where they would have to prepare for foreclosure nor was I ever informed that such action was taking place! Note : I filed a complaint with the BCFP at that time and this issue was resolved to my satisfaction.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 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: BTH Management
State: AL

Complaint narrative:
Plaza Services XXXX I checked my credit report to find that this company was reporting an account for XXXX for {$590.00} I called to inquire about it, spoke to XXXX. She stated they purchase the account. told her it was not a valid purchase, and she said it was an account that was opened in 2014. I asked her for the account and company 's contact info. she told me she did not have access to it, that I would have to Google it. I told her, her company had me in collections they purchased the account she should be able to give me the information. She told me they were not a collection company, they are a holding service (?? ) I asked her how then is Plaza Services reporting this account as in Collection if they are not Collection service. I contacted every XXXX. # I could find, They have no record of me at all, and said even it was 10 years from before they would have a record. I am not only reporting to XXXX but to the FTC as well, and have made an appointment with my attorney to file suit. I was in chapter 7 bankruptcy, this is not my account. they are in violation of Federal Bankruptcy Law as well as Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Since Green Tree Servicing has taken over the servicing of my home loan they have relentlessly called me every time my payment was even a day past due, sometimes XXXX times per day. They have also ( on XXXX occasions ) falsely reported to the credit bureaus that I have been 30 days delinquent on my mortgage. They are difficult to contact and just plain rude when I am able to get hold of someone. I do n't understand how a company such as Green Tree is allowed to operate using such malicious tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
This is a second Mortgage that was signed in XXXX 2006. Can someone explain why 100 % is still going toward interest and 0 % is going toward principal. I have called the company weeks ago about this issue and no one in the entire company could explain why. They said they would get back to me. As usual when dealing with GTS, I have not heard a work about this or had anyone call me back./

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In order to save our home from foreclosure in XXXX, XXXX, while we were negotiating a loan mod with XXXX XXXX XXXX, we filed Chapter XXXX. They finally did a loan mod in late XXXX, XXXX. The loan mod was not the greatest either. They extended the term to 40 years @ 4 % and moved the loan to Ditech. We have been making payments direct to Ditech ever since. The Chp XXXX was completed and discharged in XXXX, XXXX. Ditech has refused to acknowledge the completion of Chp XXXX and have not reported to any credit bureau that we have been making payments direct to them for the last 3 plus years. Our credit reports should reflect all the timely payments made to Ditech. Our credit score remain a XXXX '. We are XXXX and are unable to purchase new equipment or get a credit line. We are unable to rebuild our credit due to Ditech 's failures.

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 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
my morgage just transfered hands, payment was XXXX i paid XXXX every year for 20 yrs. i had insurance and taxes added to my mortgage 1.5 yrs back. it seems the old mortgage apply-ed all the $ $ to p-i only, no notice of shortage to alarm me of problem. new mortgage wants XXXX and will not apply the extra amount to loan amount and wants a XXXX per month payment for 48 months. ive spent hrs try ing to get them to correct the problem that was error-ed on their side. i know my principle is lower but extra XXXX per month is not do-able. being self employed refinancing is harder to do. along with the late fees and there demands. i stilled paid my payment but it was XXXX short do to the new amount. my old co. was greentree

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Their system seizes up several times a day making a quick trade near impossible. The entire money balance, even if you are sitting on all cash, fluctuates wildly right in front of your eyes. Limit orders do not kick in and then they blame a " fast moving market '' even if the market is slow and records show that it crossed higher than your limit sell price ( if you were trying to limit sell for a profit ). Anything that goes against you in the system, they blame you - nothing they do is ever wrong according to them. 

On XXXX XXXX, 2010, they blamed fast moving markets for the now acknowledged technical glitch and refuse to reverse any erroneous trades. Each transaction has to be baby-sat because their system is weak and potentially very dangerously flawed or worse, intentionally corrupt. When first setting up the account, they shredded valuable documents that had to be all redone. That should have been a huge red flag. This caused financial losses.

Company response to consumer: Closed
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech Sent the Complainants a Fraudulent Foreclosure Notice Complainants lodged routine inquiries about late charges and HAMP program performance irregularities with Ditech. Instead of responding subtantively, Ditech retaliated in a hostile manner and threatened the Complainants with foreclosure. 
Complaints received a certified letter on XXXX XXXX, 2016 ( dated XXXX XXXX, 2016 ) that was styled as " Texas Notice of Default and Right to Cure. '' The notice purports Complainants are two months behind on their lien payment. In fact, on the day this letter was mailed by Ditech, the Complainants were only 17 days past a XXXX XXXX, 2016 due date on ONE SINGLE payment. 
Full Text of Complaint is Attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: United Debt Holdings, LLC
State: TX

Complaint narrative:
We 've been receiving phone calls saying they 're an attorneys office XXXX XXXX and XXXX, who also said were with debt holding group trying to collect a debt. The memo I have a attached is what they sent me when I asked for verification of the debt owed even at the bottom it says they 're not a law office. Numerous time they assured me they were n't scamming me because they 're an attorneys office. First they told my husband he owed {$900.00} then told me he owed around {$700.00} when we checked with the original store he took the payday loan from it was only {$590.00} they sold it to debt holding group and then they sold it to XXXX group XXXX XXXX. The told him it was a felony if he did n't pay and that they were taking us to court if we did n't pay them that day ( Thursday XXXX XXXX ). When we ask them to send us verifying documentation about the debt we were sent a word document that did n't even have the companies address or correspondence on it. We have never received any mail or previous phone calls about the debt. They said they sent us mail but they had the wrong address when they sent the verification of the debt. They also said they had him on video going into the apartment which again they had the wrong address. My husband also had taken out this payday loan before we were married and my name is no where on the account and he never gave them permission to discuss the debt with me and when I called I expected that but they were more then willing to give me any information I asked for and were very rude with me when I confronted them about sharing his information with someone they did n't even verify who it was. I have read it is against the law in Texas. We ca n't find any information about this company online expect that they have been scamming people. If my husband does in fact owe a debt we would like to take care of it but we 're afraid to pay these people regardless of their threats of taking us to court because it does seem like a scam. We were wondering how we should proceed the debt is n't on his credit report and we do n't know if these people are even legit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I received a certified letter informing me about Intent to foreclose. My tenant also received certified letter. Why would Ditech send my tenant this letter when they know where I live? Ditech states I missed a payment in XXXX 2016. They send XXXX sets of statements to me every month with conflicting information. My bank statement showed I 've paid. Ditech 's payment history shows I 've paid. Ditech 's payment page indicates I have not ... Although I have contacted them through their message system, twice, they have yet to get back to me. One would think this is important. Judging by the complaints on this and many other sites, this is a 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 2017-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I made 2 payments to my mortgage servicer along with a letter explaining exactly where I wanted to have the money and they did not place it in the requested accounts. Either time. I thought that they had to comply with my requests. It was in writing and sent certified. The second payment was made as requested by them, and also went into " unapplied funds '' therefor making my mortgage look like it is delinquent. I am trying to apply for grants to help me fix up my house and my mortgage must be up to date!!! They are preventing me from doing this!!! I am enclosing all documents I am referring to. This is not the first time they have made my mortgage LOOK like it isnt paid up to date. Can you help 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 2017-03-28 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I received a bill from Commonwealth Financial Systems on XX/XX/2017. This letter was dated XX/XX/XXXX. I spoke with XXXX and explained to her that XXXX was an " umbrella name '' for every doctor, hospital, lab and clinic over a vast area of Texas. She did n't have the itemized information I needed, so Iasked her to please mail me a detailed bill so that I could verify it was mine and then I would pay the bill. She said it would just take a few days. A week later I 'm calling back. I checkcreditXXXX XXXX report and I have another bill from the same company for {$1000.00}. I spoke to XXXX and he said it shows that both of those statements are ready to be sent out but he did n't know what the status was on them. XXXX is horrible about selling debt to XXXX different agencies. At this time I can only assume that neither invoices are mine, and respectfully ask they be taken from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Access Credit Management, Inc.
State: AR

Complaint narrative:
I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: WA

Complaint narrative:
The school told me i would n't be having to pay back but the debt collectors said they didnt care

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Debt was paid and removed in XXXX XXXX. In XXXX XXXX the XXXX accounts were reinserted on my credit report by commonwealth financial. Commonwealth removed the information then replaced the information on my credit report under northeast credit and collect. These accounts were paid and removed they should never have been reinserted. Also accounts are from XXXX, past the statue of limitations on which it can report. Please remove the accounts from my credit file with all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: IN

Complaint narrative:
On XXXX/XXXX/XXXX I returned a call to a number that I did n't know and the lady identified herself as an agent for " Commonwealth '' ( XXXX ). The lady had some of my information and some old information. She stated that I owed on a debt and that I had 72 hours in order to either make some kind of settlement or pay a large amount or they would start the procedures to garnish my wages. I asked her for something in writing verifying this loan was mine. She told me that she could not and would not do this because I only had 72 hours to resolve this or they would garnish my wages and issue liens. I told her that I knew my rights and that they must provide me with some sort of verification and I had 30 days to either verify or dispute. I gave her my current address so that she could sent me verification. She started arguing with me and said that she would n't send me anything and that the case would be sent to litigation. I called back several times, was told that the case was flagged for litigation, trying to see what the name of the company was that they said I owed. On the XXXX call I was transferred to someone I think they said was a manager and he told me it was a debt from XXXX and gave me the name of the credit card. First he offered me a payment plan to hold the account for a little over {$1000.00} by Wednesday XXXX XXXX/XXXX/XXXX XXXX and then when I told him I could n't he said he would give me to Friday ( XXXX/XXXX/XXXX ) and we hung up. Thinking this was some kind of phishing scam I looked them up on the internet and have found several people who have gotten the exact same speech and that if you call back you get a scare tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On or about XXXX XXXX, 2016, I received a collection letter from Commonwealth Financial Systems for {$120.00} ( offering to settle for {$95.00} ). The original creditor was listed as XXXX XXXX XXXX XXXX. This is not a debt that I recognize nor do I have records of any collection attempts by XXXX XXXX. 

My credit history reflects a pattern of timely debt payments ( credit score being XXXX ). 

This collection letter concerned me and I immediately responded via phone call to Commonwealth and followed up with a letter to Commonwealth requesting documentation of verification of the debt. This response from me to Commonwealth was well within the 30 day timeframe required to dispute the debt. 

To date ( XXXX XXXX, 2016 ), Commonwealth has not responded to me with any additional information or documentation. However, they have reported the collection to credit reporting agencies. This reporting by Commonwealth has resulted in a significant drop in my credit score ( from XXXX to XXXX ). 

Commonwealth has not provided any verification of the debt despite my request for verification. I want this issue resolved in a timely manner.

Company response to consumer: Closed with explanation