vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
the mortgage company falsely reported that i was delinquent on payments. i never was delinquent..This affected my credit score dramatically and we lost {$3000.00} while baying the vehicle.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC
State: KY

Complaint narrative:
Bankruptcy CHXXXX in XXXX, last payments XXXX XXXX. Had acct XXXX XXXX in XXXX. Paid XXXX XXXX. I do n't remember this but Bankruptcy CR in XXXX XXXX showed another loan opened in XXXX XXXX for {$15000.00}. This XXXX not shown on XXXX XXXX XXXX. Payments were made to XXXX thru the court starting XXXX XXXX with last being XXXX XXXX. This acct not shown on XXXX XXXX XXXX. As of XXXX XXXX a new account appeared delinquent on XXXX from Ditech, opened in " XXXX XXXX '' last pymnt XXXX XXXX, charged off {$10000.00} " reported XXXX XXXX '' meaning they are re aging this as well as claiming the account as theirs. Nothing stating it was in Bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Home was damaged by hail, insurance adjuster paid for new roof as well as damage to other structures and items on my property that was also damaged. Mortgage company will not send me the money back for damages to my personal property, its not collateral, mortgage is for the Home only, not any other property, Mortgage company has no right to hold money for something that is not collateral. its not up to them if I replace a gazebo or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
Ditech Financial LLC XXXX informed me by letter on XXXX XXXX 2016 that my XXXX 2016 mortgage payment received XXXX 2016 was returned unpaid. 
In fact, my payment are all made electronically from my checking account. All payment XXXX, XXXX and XXXX were made and all cashed by Ditech according to my Bank. My Bank account statements all show all payments to Ditech made and cashed and no returns. Since XXXX to date XXXX 2016, I have provided Ditech with faxed images of all the checks they cashed and my bank statements reflecting my good faith payments and no returns by Ditech. To date, this issue is unresolved and I am begin to suspect a mortgage scam possibility of an artificially created late payment by Ditech Financial LLC. My Ditech Mortgage Company monthly statement show no such problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I was attempting to have a debt disputed on my recent credit report. I called the reporting debt collector ( Debt Recovery Solutions ) to find out what the debt was. The only information they would give me was that it was an ambulance company and it was a debt from 2011. There was indeed a ambulance ride in 2011 but it was covered by insurance. The bills were going to the wrong address according to the debt collector but they would not provide me with the name or phone number of the ambulance service. I asked to speak to a supervisor because I knew that they had to provide me this information by law. I was hung up on. I called back XXXX more times and I was hung up on. XXXX is disputing this for me but it could take up to 30 days. I am in the middle of securing loans for a new business. My credit score dropped from XXXX to XXXX the day this debt hit my credit report. ( Yesterday ) If I had the name of the ambulance service I could resubmit the insurance and have it taken care of. But Debt Recovery Solutions apparently want me to take care of the debt in order to collect their money. This is going to ruin any chances I have of securing the loans that I could have when my score was XXXX and did not show I have a delinquent account over 4 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I wanted to set up automatic payments for my mortgage. I faxed the request and checked with the lender a XXXX later. I was told it had not been received, XXXX days later I got a letter from my mortgage company stating that the request had been received but the voided check had not. I sent a voided check and a new automatic payment request. When the next payment was not taken out of my account, I again called the lender and again was told that they had not received a request for automatic payments. XXXX more time, after receiving a letter that they had the voided check, but not the authorization form, I sent both. When I was again told by customer service that they had n't received the form and voided check, I gave up and mailed a check. The day the check cleared ( XXXX XXXX, 2015, ) I got a letter from the mortgage company stating that the automatic payment of {$1300.00} would start on XXXX XXXX, 2015. I called the mortgage company on XXXX/XXXX/15 and told them to stop the XXXX/XXXX/15 payment as they had already cashed the check. That same day I placed a stop payment on the {$1200.00} at my bank. On XXXX/XXXX/15 the mortgage company withdrew {$1000.00}?? After a faxed request and numerous phone calls the funds have not returned. The customer service department has refused to provide access to a supervisor, once transferring me to " the person who handles your account '' after I told her to transfer me to a supervisor. The person who transferred the telephone call identified herself as " XXXX '' and refused to provide me with a phone number at their corporate offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I had XXXX mortgages transfered from one servicing company to another. They were transferred from XXXX to DiTech on XXXX XXXX 2016. Upon transfer ( for both mortgages ) the very first statement I received from Ditech showed a past due amount for my XX/XX/XXXX payment. My XX/XX/XXXX payment was clearly made to XXXX. When I called DiTech and pointed out that the very first statement they sent me showed two months owed they said they had not received the appropriate documents from XXXX to credit my XX/XX/XXXX payment. It is the legal responsibility of servicers who transfer a mortgage to send this information. It is also an obligation of the servicer who receives a mortgage to have accurate statements BEFORE demanding funds, charging late fees, and in this case referring the payment to a credit collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have notified Equifax several times of inaccurate information listed and nothing is being done about it. There is a name listed which is XXXX XXXX which my name is XXXX XXXX and accounts listed which do not belong to me. Please help they are doing nothing about it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I had a chapter XXXX bankruptcy that I was discharged from in XXXX of 2015. I have XXXX mortgages that are serviced by Ditech, loan # s XXXX and XXXX. Ditech continues to report my accounts as in Bankruptcy and has been appling additional payments to principal made during the bankruptcy period and since my release to future payments, instead of reducing my outstanding loan amount. I have contacted Ditech numerous times and have provided requested documentation and they have yet corrected either item. The process of correcting these items has cost me a tremendous amount of time and continues to affect my credit rating, my ability to refinance these variable rate loans and cost me additional interest expense due to the improper allocation of principal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We paid our mortgage payment due on XXXX XXXX, 2016 as we always do ON TIME. 
Ditech Financial applied XXXX payments directly to Principal instead of the payment due. 
They have reported us as late to the Credit Bureau for the XXXX bill that was paid on time. We have called three times to get this rectified and they have not fixed the issue and reported us as delinquent on our credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We recently got behind in our mortgage payments due to health reasons, We tired to work it out with DITECH, by sending them a payment..which 3 wks later they returned..Spoke to them on the phone they said they needed half amount due..so we sent XXXX OVER that amount..3 weeks later they returned that payment..tried speaking to the again, and they said SORRY going into foreclosure!! SCAM for sure..trying to get MORE monies out of us!! PLEASE HELP!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
Multiple calls every day even though I advised them that I am not going to provide personal information over the phone because I do not even know who they are. They keep trying to verify my address and date of birth. I get numerous calls back to back. All hours of the day, while I 'm working, on weekends, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
We purchased our home in XXXX. Since then we have made our monthly mortgage payments ontime. We also have made additional payments every month and specifically asked for those payments to be put entirely towards principle. Every month we have had to call the company directly and speak to a representative because they have not followed our instructions. The company has allocated the additional payments to their own desires.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 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: NY

Complaint narrative:
Have a loan that is from an institute from a different state ; it was online services. The only loan I should and do have is a institution in New York only. I would like to dispute this and get it off my loan

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
XXXX closed my credit card account with no explanation as to why. They claimed it was due to past behavior, but they will not reveal the source of this alleged information. I seek to know where this information came from. I also seek to have my {$25.00} returned to me, as they made me close my IRA account and transfer the funds to another broker. If I did n't do that, they would have closed the account, and withheld XXXX % due to tax law - instead of just leaving it in there. 

They want to close the accounts - fine - but they should not charge me money for doing so. Also, I want to know the source of the negative information about my " past bad behavior ''. This source could be in error - but they wo n't tell me what it is or where they got it. I expected better from the CFPB in bringing this information to light.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified Consultants and XXXX are attempting to collect money on an account that was paid and terminated. XXXX breached their contract with me by charging fees that were not allowed under our contract. I therefore terminated services with a {$0.00} balance. XXXX then tried to collect the monies allegedly owed for the remainder of the contract, i.e. {$820.00}. They have improperly reported these fraudulent charges to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I received first correspondence around XX/XX/2016 for an alleged debt for XXXX. I immediately responded and disputed the debt as well as requested " validation '' or proof of alleged debt. A week or so after I received a blank invoice from collection agency holding supposed " debt '' with a total balance due - No line items or explanation of what the amount due was for. I then responded requesting evidence of debt rather than a blank invoice with no line items or proof of debt. The representative assured me that this " debt '' would not be reported to the credit bureaus until I received some sort of validation explaining services rendered or detailing what charges occurred for me to be responsible for this debt. 

I received no further correspondence until I learned that this company has since reported this " debt '' against my credit and my score has since dropped XXXX points. I then called yesterday, XX/XX/XXXX requesting explanation of this behavior and why I was not contacted with further proof of supposed debt. I was quickly transferred to their collections floor manager ( XXXX ) who could not explain why they had illegally reported against my credit and seemed to not be interested in answering any of my questions. He seemed to have a tenuous grasp of his credit reporting procedures and instead of answering my simple questions he decided to call my questions " contradictory ''. He curtly advised that I call another department for explanation of this. I believe he knew his agency was in the wrong because he kept trying to push me off of the phone. When I finally asked him point blank if he has the power to delete credit accounts that have already been reported he abruptly hung up on me, which I obviously found to be very rude, instead of attempting to help me in any way. Or explain in any degree of detail why I had not received any proof of debt. They should have not reported this supposed debt while it was under dispute. 

All calls are claimed to be recorded and I have responded quickly to any attempt to collect this " supposed '' debt. I am contemplating retaining legal council to deal with this problem because the agency in question seems to not want to adhere to the strict laws that protect consumers like me. This process has caused me a great deal of stress and mental anguish as well as affected my otherwise impeccable credit record. I feel like I have exhausted all avenues that are available to me as a consumer and this is my last effort before retaining legal council. 

Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
After multiple attempts through calls and internet, from an unverified number Frauders were able to social engineer ( with a sin and zip code ) a USAA employee in to allowing access to my accounts. The Frauders were able to get thousands of dollars and my families personal information and even though USAA know it 's fraud ( this same event happened a ton of times ) and they were at fault. I was not alerted or contacted by USAA of the failed attempts on my account. USAA failed to place process and procedures and training to ensure that this ever happens again. Even this morning, the verification process did n't happen and I was able to speak to someone about my account and a manager about my account with out security questions even though my accounts are on high alert. These repeated failures continue to led to this same act of fraud.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I noticed in 2015 I had a debt {$940.00} on my credit report with XXXX XXXX. I 've never had such debt, I disputed the debt, contacted XXXX around XX/XX/2015. I was told it would be taken care of as soon as possible. So On XXXX XXXX, 2015 it was removed from my credit report. Starting around XX/XX/XXXX - XX/XX/XXXX I was harrased from by XXXX, threathen to ruiun my credit, and talked to in a demeaning way. I noticed a month ago the same debt is back on my credit report {$940.00} XXXX XXXX. I 've had some other unusual incidents that raise red flags for me, like getting a lot of mail from target, scholorship funds, in someone else 's name who lived next door. A employee from XXXX call my recently asking for me using my middle name, stating that someone left their phone in the store, I was puzzeld so I ask question but the employee became uninterested. I also had small charges appear on my back account. I 've had fraud alerts placed on my reports. All my identification was stolen from me and a police report was taken by the XXXX XXXX in XXXX XXXX, XXXX I do not and never owed any cable company that amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
The company put the adverse information on my credit report. before contacting me. I call them to inform them of the issue. The supervisor refused to send me any information and said that the information on my report will stay until sprint contact them. I told them I am only dealing with sprint due to my dispute of the debt was with them and they would have known if they would have properly contacted me. They said they contacted me by phone but were not allowed to leave messages, in which that was the only way I woukd have known they called.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
By law a register letter has to be send to the customer within 15 before any repossetion can take place, Loanmart repo my vehicle without any warning and knowing that a lawyer was negotiaring a payoff. Now I have to pay {$450.00} for repossetion fees and a {$25.00} dollars storage fees. This company has been rip people off taking advantage of people in need.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was issued a USAA credit card without requesting one. Now it is on my credit report. I call USAA to ask them to close and tell them that I did not open the account. I was put on hold and transferred 3 times. I finally had to hang up and try calling back. The Fraud Detection line, answered XXXX, said the wait time was XXXX hours. So I ca n't even find out how the account was opened or have them close it. The XXXX people I talked to said that they did n't have the authority to close the account.

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 2016-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
Diversified Consultants has listed a collection account on all XXXX of my credit reports that does not belong to me. I sent them notice asking for validation and proof bearing my signature that I signed up for a contract with XXXX that shows me being liable for the account. They have failed to provide such proof and now have reported this account on my credit reports causing harm to me. This reporting is a violation of my right under FCRA as they have not provided me with proper documentation prior to reporting this account nor proper documentation proving this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Clear Debt Solutions, LLC
State: TX

Complaint narrative:
I paid through debt consolidation and CDR Associates. They keep calling my work and will not listen to me stating that I have paid debt. They are threatening.

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