vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
This is an amendment to XXXX complaint with additional information. Ditech financial LLC failed to respond in a timely fashion to a request for financial relief. A request for paperwork was submitted in XXXX XXXX and no response was received until XXXX XXXX XXXX. By this time they had already filed for foreclosure. In addition, no assistance was offered whatsoever in avoiding foreclosure. I was nothinking offered a forbearance or any other type of assistance as required by law. On several occasions a pay off letter was requested the latest being on or around XXXX XXXX, XXXX. To this day I have not received this paperwork. I offered a deed in lieu of foreclosure and even this was denied. I mentioned we were attempting to sell the house and was advised I needed a realtor to do so. There is no statutory requirement to hire a realtor to sell a home. One an offer was received and faced to them twice they claimed they never received it. Yet other paperwork including a POA type of order was faxed to the same number and that was received just fine. The offer was not a short sale but enough to payoff the debt. They also increased the interest rate from 2 % to 3 % after default. This practice is absolutely prohibited. In the end and 2 days prior to the auction I again reached out and stated I had an offer that would be closing on the XXXX XXXX, auction was XXXX XXXX, I was advised by XXXX that there was nothing I could do and that the home would be sold in 2 days. She went on to say I should n't have waited until the last minute. When I had been talking to them for well over a month prior. They continue to attempt to collect on a second mortgage even after the foreclosure and even after a prior chapter XXXX bankruptcy. I ask for immediate relief and that Ditech be held accountable for its unethical if not illegal activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 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: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 120 days past due as of XX/XX/2014 90 days past due as of XX/XX/2014 60 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 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: American Accounts & Advisers, Inc.
State: AZ

Complaint narrative:
American Accounts Advisors had previous removed this account in 2014. It 's showing up again. Its not my account. I never signed anything with XXXX XXXX. Never needed their service never opened an account. This is now turned to collection harassment!

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: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
At XXXX eastern time on XXXX/XXXX/16 I had a missed call from a XXXX. I returned this call at XXXX ( call lasted for a total of 2 minutes ). My call was answered by a clerk who answered the phone with " XXXX ''. Than she than confirmed my name and mentioned that she would connect me with the person who called me. Upon transferring my call the person who originally tried to call me, he asked me if I was ( NAME DELETED ) and wanted me to verify my address. I asked who was calling and after the 4th time of me asking he replied with " XXXX ''. I said XXXX why are you calling me and he said for " Personal Business '' and I asked several times about what " Personal Business '' and he tried to get me to verify my address again without answering my question. I asked who he was calling on behalf of and he said " XXXX ''. I than declined to answer his question about my address since he would not inform me the nature of his call after I made several attempts to and than I hung up. I looked up the phone number that called me and it was listed as a " XXXX ''. 
He never informed me that he was calling on behalf of a collection agency nor did he inform me that any information verified can be used against me for debt collection purposes- I believe this would be referred to as mini-miranda rights. I have never heard from this company before and I wish to make this a complaint against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Received notification of newly added collections account on XXXX XXXX from Midwest Recovery stating that I owed {$1300.00} to fictious original creditor XXXX XXXX XXXX XXXX. The account was opened with Midwest recovery XXXX XXXX does n't even include the original date they claim I received a pay day loan from the fictious XXXX XXXX XXXX XXXX company. Never once did I receive any written communication requesting that I confirm the debt in question. If the debt or account truly accurate my current address should have been in the file when transferred to Midwest Recovery for collections. I 'm more concerned that this another fraudulent account due to the theft of my identity in XXXX. This new claim has been posted on all three credit bureaus and has significantly dropped my fico score. Until then I will continue to dispute this company and how they conduct business illegally. They have violated the FCPA with there illegal reporting practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
***THIS IS A NEW CLAIM. *** On XXXX XXXX, 2015, I received an automated call requesting that I return their call. When I immediately returned the call, it was National Credit Adjusters. I believe this call is in violation of the Telephone Consumer Protection Act and/or the Fair Debt Collection Practices Act. I immediately called the number given on recording. I explained that I have a complaint against the company and will not settle the debt until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
My loan is through PennyMac. I pay it at the end of the month - that is when I have money to pay it. I have always paid it at that time. I have had multiple conversations where they acknowledge the request and that I am less than 30 days past the expected pay date. They keep calling me during the day, at work, during the month about that payment. They say the only way that I can get them to stop calling me at work, while I am working, on the only phone I possess ( a cell phone ) is to file a " cease and desist '' letter. 

I have to pay a lawyer to get them to not call me at work, during the day. That is unacceptaable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I was making regular payments. In XXXX XXXX I was XXXX in the Michigan XXXX. The finance company knew this but continued to harass my parents. 
I was released XXXX XXXX, XXXX. I got my Social Security XXXX reinstated and started making payments XXXX XXXX, XXXX. I have been making, and plan on continuing to make regular payments until it is paid off. 
I have been regularly checking my credit score and have noticed that the balance is still at {$19000.00}. I called Ditech to inquire as to why my payments are not being reported. I was told that they do n't report payments until the outstanding balance is paid in full. At {$300.00} a month, that will take about 6 years. It will state on my credit report that I still owe {$19000.00}. 
If I am making regular payments, then they should be reported to the credit bureaus. They are quick to report if you DO N'T make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Calling my references and telling what company they are from. Calling my job without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
I 'm being given the run around for over a week. 
Over a week and still can not access my mortgage account online. 
Pennymac usa is making no effort to reset my account so that I can access my account online to pay my bill and be aware of account issues.

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 2016-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Midwest Recovery Systems
State: IL

Complaint narrative:
I received a notice from XXXX on a new collections account appearing on my XXXX credit report. 
1. I know nothing about this debt 2. I was never notified in writing prior to this debt collector being put on my credit report 3.I never had an account with the original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
I am on bi-weekly payments with ditech. 
They did a system migration and applied the payments to principle which made my loan in pass due status. I then received a letter from a debt collector in attempt to collect a dept. 
This is a problem that was create by ditech to thousands of loans. It has affected credit problems and mental stress.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I continue to have problems with Ditech. I made a payment for my mortgage that was due XXXX XXXX, XXXX. I sent the payment with the statement for this due date on XXXX XXXX, XXXX. It was received by Ditech according to their own records on XXXX XXXX, XXXX. Instead of being applied to XXXX 's statement, it was applied to the principal of my loan. When I failed to receive a statement to make the XXXX XXXX, XXXX payment, I went to my account online on XXXX XXXX, XXXX. It was then that I realized that Ditech had misapplied my payment from XXXX and had assessed a late fee because it indicated that it had not received the payment for XXXX XXXX, XXXX. I called customer service and XXXX told me that she would put in a request for reallocation and to reverse the late fee. I went ahead that day XXXX XXXX XXXX, XXXX ) and made a payment to cover the XXXX XXXX, XXXX payment. On XXXX XXXX, XXXX, I saw that my XXXX XXXX, XXXX payment had been applied to the XXXX payment and that my new due date was XXXX XXXX, XXXX. Today, XXXX XXXX, XXXX, the due date is now back to XXXX XXXX, XXXX, and both XXXX XXXX 's and XXXX XXXX 's payment are in a catch all category of " unapplied amount. '' This is unbelievable! They have also not reversed the late fee, even though my XXXX and XXXX payments were not late. I will call them again tomorrow but this is getting ridiculous!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ECMC GROUP, INC.
State: AZ

Complaint narrative:
I sent a Letter to ECMC disputing the accuracy of negative reporting of Charge off on my credit report for student loans that were through XXXX XXXX, I had, had them deferred back in XXXX for 6 months and then in XXXX XXXX, they were paid off in full. Those letters were sent out XXXX Certified letter on XXXX XXXX, XXXX, signed for on XXXX XXXX, XXXX. After 30 days I never heard a response back from ECMC. I 've disputed inaccuracies with ECMC back in XXXX as well, sent a letter out on XXXX XXXX, XXXX they refuse to respond to my letters requesting " that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them this debt and therefore has broken the law by not reporting in a timely manner.

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 2016-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My home was taken off my credit report. I filed a bankruptcy loan back in 2008 and I clearly told my attorney to make sure my house was not included in the bankruptcy. My mortgage servicer was Greentree, the mortgage was reported in my credit report properly, but DiTech took my loan and removed my home from my credit report, even though they recently sent me a verification of mortgage stating the home was mine. This has ruined my credit. I have talked to them on many occasions and they are not willing to help. I tried to get a reaffirmation and mt bankruptcy attorney has been uncooperative. My loan investor is XXXX and they have told me they do not know what I should do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Ditech is not applying my loan payments to my loan. A representative told me that they changed databases, and therefore changed account numbers on mortgage loans, then did not apply payments to the new account numbers, then charged late fees and started collection calls for the payments that they did not apply. They have not sent me a current month statement. 
I have bank verification that I electronically paid. I have a video recording of the representative from Ditech telling about the database problem, how the Ditech employees could not access any information from XX/XX/2016-XX/XX/2016, no statements were sent out, and telling me I need to submit proof of payment. Also I have a recording from a bank representative from my bank that reported he has taken XXXX or so call in the last two months from Ditech/GreenTree and other mortgage companies with the same issue. 
This mortgage started as a XXXX XXXX, was bought by XXXX XXXX XXXX, then bought by Green Tree, and is now in the hands of Ditech. I am current on my payments on my end ( my bank verified ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
Our home was sold to the mortgage company Ditech. Right from the start we had problem with them, trying to set up automatic payments or even making a payment at all, but the real problems started when we sold our home. We were told when we closed on our home to expect a escrow refund check within 20 days of closing. Several days past the 20 day mark we still did not have a check. We called in and they told us to wait till next week. We finally got our check and put it in the bank. Our bank later called to let us know that Ditech cancelled the check and they had to charge us a fee. We called Ditech who told us that they would re-issue a check and to expect it by XXXX XXXX. XXXX XXXX came and still no check. We called in again and the person we talked to stated there was never a check re issued. We were told we needed to prove that the check was cancelled and to send them a copy of our bank statement showing the cancelled check. She said that once we sent that in they would be able to direct deposit the money back in and we would hear within 24 hrs on the status of our refund. 3 days went by and we still had not heard anything. We called in again, this time the representative informed us that they do not do direct deposits and that they would have to re issue the check and send it in the mail but that they would need to get back to us and they should know something within 24 hrs. We still did not hear from them. We called in again and Each and every time we call in we have to speak to a new person and try and explain the situation, and each and every time we are told conflicting information which always gets us no where and ends with " we will get back to you in 24 hrs '' to which of course we never hear anything. We have spoken to probably 7 different people all promising to get back to us and have never received a phone call or any information back. This is over {$3000.00} of our money that was supposed to be given to us 2 months ago. This is beyond frustrating and we are not sure what else to do to get our money that we need to put down on our next home. It has now been 3 months since closing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: World Acceptance Corporation
State: TX

Complaint narrative:
This company refuses to provide me verification and validation of debt. This debt is in dispute because i have never taken out any kind of a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: BTH Management
State: WA

Complaint narrative:
In XXXX, I received a phone call from The XXXX claiming I owed a payday loan debt from XXXX and that the debt was sold to Plaza Services, LLC. After asking for verification of the debt, the representative informed me that I would need to contact the owner of the debt. I then contacted Plaza Services and asked for verification of the debt, and I was refused. After the phone call, I sent a letter via certified mail to Plaza Services via certified mail requesting verification of the debt and informing them that any communication regarding this debt must be in writing to the address that I provided. That letter was received by Plaza Services, LLC on XX/XX/XXXX. 

On XX/XX/XXXX, I received a phone call from XXXX claiming to represent Plaza Services, LLC to collect on account on my cell phone. I informed them that the phone call was in direct violation of the FDCPA and that they may only contact me by means supplied to Plaza Services, LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-07 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: World Acceptance Corporation
State: CA

Complaint narrative:
J.H. Portfolio debt collection practices on my credit and have been placed for collections. 
I contacted the XXXX major Credit bureaus, and XXXXXXXX with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. I have not received any financial gain from the above accounts. 
XXXX validated the debt as mine, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX had been stolen XXXX. XXXX very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime XXXX XXXX must cease and desist all debt collection practices. 
In the event XXXX. XXXX or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.

Company response to consumer: Closed with explanation