vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: LA

Complaint narrative:
Discover is reporting information on my credit file that is not only inaccurate but illegal. First of all they are reporting information different information between XXXX and XXXX. Secondly, I 've requested records for the history they are reporting and sent the request via certified mail, and they 've yet to reply. Thirdly, I 've disputed the information on 3 different occasions and they continue to verify and/or even add more illegal inaccurate information to the reporting rather than fixing the issue. I have complained to the CFPB on XXXX and XXXX for allowing the information to be reported and XXXX has stated that their job is to report whatever the furnisher tells them to report whether the information is inaccurate or not they ca n't change it unless Discover changes it. This has been ongoing now for years and has only come to my attention the last few months. This means that this information has cost me tons of money in interest on other accounts that have been opened since this reporting and is currently costing me credit denial. On XXXX XXXX, XXXX I sent a request to Discover via certified mail requesting billing statements because they were n't fixing the fixing the issue. I 've yet to hear from them to this day. They have been given ample opportunity to fix their reporting and instead have chosen to update with even more inaccurate information and plug more late payments in when they are not supposed to. You will see in the information provided as evidence the updating they 've done over the course of me disputing the information and how they 've changed and added information that is completely inaccurate. To me it looks as though they are doing this on purpose with intent to harm my scores and they 've cost me enough money and enough of my time. Discover charged the account off XX/XX/2011 and they continue to report the account as a charge off until XXXX XXXX where they then decide to plug in 180 day late payments for the next several months then report the account as a charge off again in XXXX XXXX with XXXX but with XXXX they report the account late in XX/XX/XXXX and XX/XX/XXXX the report the account as a charge off for a month, then go back to reporting the account as 180 days late then go back to reporting the account as a charge. Discover actually updated that information to XXXX when I disputed the account because originally they were only reporting the charge off in XX/XX/XXXX, then the 180 day late payments beginning XX/XX/XXXX and ending in XXXX XXXX then charged off again. BUT the most recent dispute, the updated the account to reflect 180 days late a second time after the they had already charged it off on two other occasions. All of this is Ludacris.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech is applying my mortgage payments to corporate advances. I contacted Ditech in XX/XX/XXXX to determine what the advances were and get an itemized detail. To date and over 30 calls, fax requests and written mail requests - Ditech has never provided this information. To keep the account in good standing, I asked them if I could make payments and apply to the mortgage but their system does n't have the flexibility. I am disputing the advances, however any payments would be applied to the advances before my loan. My complaint is I am being charged for a fraudulent services that were never provided or unnecessary and without my knowledge and Ditech is shuffling me around without providing proof of such services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
ECMC would like me to apply for loan consolidation and loan rehabilitation with Income driven repayment plan. Under the new Income driven Payment plan ECMC would like to change the interest rate of my loan from fixed 3 % to 18.5 % I do not accept the terms of their loan consolidation. My loan is fixed 3 % for the life of the loan. 

I do not have the ability to pay. I am not going to accept a new term and new interest rate from a company.

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 2015-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I formally requested that Ditech begin the process to remove the PMI from my mortgage in the beginning of XXXX 2015. XX/XX/XXXX I was contacted by a third party appraiser to schedule an appraisal and a few days later they informed me that my lender canceled the request. Since then, I have called Ditech around 8-10 times to follow up as to what exactly happened and each time the customer service acknowledges that there was some kind of issue which could not be explained but they were escalating my case to begin this process again. As of XXXX XXXX, I have not had any resolution and I have not been contacted by anyone to schedule an appraisal or by Ditech to continue this process of PMI removal. According to the standards of my mortgage, I satisfy all the requirements for PMI removal, yet Ditech seems to have done everything they can to prevent this from happening. At first it seemed negligent, but now it is clear that it is fraudulent. I have been paying PMI for 3 months longer ( and possibly more moving forward ) than I should have and I have adhered to their standards throughout this process. I have no resolution as of XXXX XXXX 2015 and after calling customer service today, I been told the same thing, that my case was moved to the escrow department and I should hear from someone in a day or so. But I never do.

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 2017-03-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
ECMC has began reporting an account to the credit bureaus without contacting me and verifying the debt first. I have not been contacted by ECMC in any way ( mail, phone, e-mail etc ... ) and given the opportunity to address the alleged debt that has been placed in collections on my credit report. I attempted to contact ECMC via certified mail, with the address provided in the credit report which was listed as being XXXX XXXX, MN XXXX. According the the post office tracking number my certified mail is being " returned to sender '' due to that address being unknown. Since I have n't been successful in contacting ECMC via mail, I am submitting this complaint. Below is essentially the body of the letter I sent to ECMC on XX/XX/2017, which has been returned to sender. 
-- -- -- -- -- -- Dear ECMC, This letter is in regards to item/account being reported to the credit bureau ( s ). I have not received any correspondence from your company attempting to collect a debt. I have not been given the opportunity to address this alleged debt with your company before you began reporting to the credit bureau ( s ). Please cease reporting this item/account ( alleged debt ) to the credit bureaus until the alleged debt can be verified. This is not a refusal to discharge any debt that I may lawfully owe ; In fact, I agree to discharge any debt that I may lawfully owe, once the alleged debt has been verified. What is being requested as validation and verification of the alleged debt is listed below. 
1. Verification of the debt, which includes the actual accounting 2. Verification of your ( ECMC ) claim against me ( XXXX ) ; that is a signed invoice 3. The contract binding both parties ( XXXX and ECMC ) Upon receipt of the above requested items, the proper actions can be negotiated between me ( XXXX ) and your company ( ECMC ) to discharge the debt. Until the debt can be verified, as mentioned previously in this correspondence, please cease reporting this alleged debt to the credit bureau ( s ). Thank you, in advance, for your prompt attention to this matter.

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 2016-09-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I REQUESTED A PAYOFF FOR MY MOBILE HOME FROM DITECH MORTAGE WHEN LOOKING AT THE PAY OFF SUMMARY THERE WAS XXXX THAT THE MORTAGE COMPANY INCLUDED IN THE PAYOFF THAT COULD NOT BE ACCOUNTED FOR. WHEN ASKED THE REP COULD NOT TELL ME WHY. SOMETHING TO DO WITH THE INTEREST RATE. BUT AFTER EXPLAINING TO HER THAT WE A FIXED RATE SHE STILL COULD NOT EXPLAIN WHY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Ditech has increased my mortgage payment consecutively each year citing escrow shortage. Although my liabilities did not increase this year they have now added an additional {$75.00} to my monthly payment. My current escrow balance has {$770.00} in it. Over the course of this next 12 months my liabilities will total {$4300.00}. They collect {$360.00} each month in escrow. I will pay {$4300.00} over the next 12 months to escrow. Adding that {$4300.00} to my current balance of {$770.00} the total in escrow will equal {$5100.00}. That is way over the cushion they claim to have. This company is constantly trying to overcharge customers in fees and escrow. I would like them held accountable for their bad business practices. I would like my payment to accurately reflect the cushion they claim exists. Their cushion is listed as {$480.00}. If they were calculating correctly using this cushion and my current escrow balance, my monthly escrow charge should be only {$290.00}. Not the {$360.00} they 're currently charging. I 'm currently overpaying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: William D. Meeker Enterprises, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX XXXX Dear XXXX credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX 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 2015-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Greentree/Ditek have been loosing paper work not uploading it and saying they can not do HARP mods but can do in house. I am XXXX a XXXX vet XXXX my wife passed two years ago cutting my income in half. They say they are trying to help but there actions show othrreise. They continur to charge late fees and when I pay they apply to late fees generating more fees. I am at 8.75 % and they want to keep me there. I have had an on time payment history for 10 yrs till my wife died I spent down my savings know the would rather foreclose brcause its better fit thrm so put a ,XXXX year old vet in thr strret

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
They took over my loan in XX/XX/XXXX and so far every month have charged me random amounts for other. They are not posting my payments when they get the. They ca n't keep charging me for other. I have sent several emails and they have n't responded to a single one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have a loans that originated through XXXX which XXXX XXXX XXXX later had Greentree Servicing to service. I have requested a XXXX and Greentree just keeps giving me the run around. This form is needed by another entity to assist with my mortgage payments. Greentree is only capable of calling about the money past due not giving me the form which will allow my mortgage to be paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
MEADE & ASSOC # XXXX has reported an account that was in a Bankruptcy and need to be updated properly. The original holder of the account was XXXX XXXX XXXX. This is a error and needs to be updated.

Company response to consumer: Closed
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Empire Resolutions Group
State: MD

Complaint narrative:
A company called Empire Resolutions at XXXX keeps calling my home phone. They have called my home more than 4 times looking for a XXXX XXXX ( my ex-husbands first wife ). I have no communication with her and I have asked this company to take my phone number off their call list several times. The have an automated system that keeps calling my home. I actually spoke with someone twice and asked them to stop but they still continue to call. I know my rights under FDCPA and they are not allowed to robo-call nor are they allowed to call family members, friends or third parties more than once. THEY HAVE CALLED ME MORE THAN 4 TIMES IN A 4 DAY PERIOD. Please do something about this!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I am being charged {$920.00} in insurance fees for a mortgage force placed insurance policy from XXXX. This amount was just charged to me XXXX XXXX after I received ( XXXX ) XXXX claims settlement checks in XXXX XXXX. XXXX check was for {$980.00} and the other for {$950.00}. These were due to overpayment on forceplaced insurance policies. Incidentally I obtained my own home owners insurance in XXXX XXXX. I had a loss of coverage in XXXX due to my having to fike a claim on my state farm home owners insurance from the XXXX XXXX XXXX XXXX that hit Alabama. My insurance company dropped me when my policy term was up. Over the years my forceplaced insurance has always been paid in conjunction with my house note. It would be an additional {$120.00} on top of my {$630.00} mortgage. When I came out of bankruptcy in XXXX XXXX {$13000.00} was paid to Greentree to bring all balances current. I feel I am being charged this huge amount to pay at XXXX time due to the insurance settlement. It has been added to my mortgage payment sue for the month. I am disputing this amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Revenue Assistance Corporation dba Revenue Group
State: TX

Complaint narrative:
I fraudulent debt collection XXXX I was making a payment to on a car payment some way I got revenue group on the line I do n't know how the intercept payment but my car was reposted because the payment went to this company. I am XXXX and XXXX daughter is the representive on my debit card so I had to call her to make payment.Payment was made but we found out revenue group got payment they stated I called them not he line but I would have never called them since this claim ins ligation with workers comp.They fraudulent received payment which caused my car to be repossessed.and they. Refuse to make amends I asked them since 2014 to refer to workers comp company. they caused my car to be repossessed.and XXXX to me, In XXXX and received XXXX for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: RI

Complaint narrative:
Ditech continues to bill for PMI past the date of automatic termination.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
My current mortgage company ... .Ditech..formerly Green Tree Servicing charges a {$12.00} convenience fee for electronic check payments through their own website. I find this fee to be egregious and hypocritical given that hey are encouraging everyone to move away from paper bills only to then " ding '' people {$12.00} for paying online. This is not new technology and certainly does n't cost them {$12.00} to process. Your assistance is greatly appreciated. 
Thanks, Consumer

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 2016-01-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
In XXXX 1996, I and my then spouse signed a mortgage contract with XXXX XXXX XXXX. The loan was soon bought by Greentree Servicing and recently, Greentree changed over to Ditech. I have been divorced for approximately five years and in the divorce decree, the judge granted both the land and home to me. This divorce was granted through notice of publication since the whereabouts of my spouse were unknown. 
The mortgage contract ends soon and the payoff is currently little more than {$5000.00}. With this being the case, I attempted to speak with a representative from Ditech regarding some questions about the mortgage and they refuse to speak with me and answer my questions because they claim I am not on the loan. I signed the mortgage, and all relevant notes necessary in obtaining the original financing. I have offered to provide them proof of every statement I have made herein so that the disputed issues such as escrow activities can be audited and an accounting provided. 
The whereabouts of my former husband are still unknown to me. 
It is my sole desire to have a true audit of this account so that I may determine a legitimate payoff amount. 
Lastly, since the inception of the original loan I have increased my credit score to a point significant to have qualified for a reduced loan rate through refinancing but due to the failure of this lender to even communicate with me, I have been denied the opportunity and thus been penalized by being frozen at the rate of the original mortgage. This in itself has cost me several thousand dollars. 
As a woman, I feel that I have been discriminated against for this reason. The mortgaged property is located at XXXX XXXX XXXX, XXXX, AL XXXX in XXXX County

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation