vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: IL

Complaint narrative:
there 's a company by the name of concord resolutions called me and left a recording on my phone stating that I have limited time to place a statement on file and i called to see what is was about and the guy told me a company I owe wants me to resolve it or they will take me to court and to my knowledge I do n't owe any XXXX I 've been getting these debt collectors calls for months paid them back but now that I XXXX this company and a lot of people has said this is a scam and they been having problems with them I want all of the calls to stop so please what can I do? I 'm tired of giving money to these people and knowing I do n't owe them I just do n't want to deal with the threats and the courts at all

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Creekside Recovery And Capital Management
State: KY

Complaint narrative:
They left a voice mail. I called back and left voicemail. No one returned my call. Called back XXXX the manager was very rude. Would n't give me the name of the business would n't explain why he had left the initial voicemail. He then hung up. I called back spoke with XXXX who advised me what company he was with. He then connected me to XXXX. XXXX told me he would report me to the police if I called back. I told him I wouldnt call back if he would just explain what was going on. He hung up. I called back he again said I was harassing him and I told him if someone has stolen my identity I needed know. He then did the whole harassment speech and refuse to provide the information of contacting his manager. 

Creekside recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 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: Michael G. Niles
State: PA

Complaint narrative:
They need to stop collection on a debt from a XXXX XXXX in which have no clue what it is! Its not even the right name!

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 2017-02-08 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
I went into XXXX and was told by their representative that I could cancel AT ANY TIME. I paid {$750.00} on the XXXX day and received NO services. I sent a certified letter to XXXX within XXXX days saying I wanted to cancel and for them to refund my {$750.00} deposit as I received no services of any kind. They refused to refund me and have now sent me to collections for services I never received. They fraudulently represented themselves to get me to sign up and then once they got me, they claimed I signed up. There are numerous complaints against this company that I discovered after the fact. I am out {$750.00} for NOTHING and now I am being reported to the credit bureaus.

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 2016-12-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I filed Chapter XXXX Bankruptcy over 3 years ago, but chose to keep my home and continue to pay my mortgage. I have been making my payments on time, hoping to quickly reestablish my credit after the bankruptcy. Unfortunately, my mortgage companies ( I have a 1st and 2nd mortgage ) have not reported my payment history to the credit bureaus, so my credit score continues to suffer. I requested that they report the history, but both say they wo n't report because the mortgages were part of a bankruptcy. Neither mortgage balance was discharged during the bankruptcy and I continued to make payments all along. My current payment history should be reported to accurately reflect in my credit scores. I 'm unable to refinance my mortgages as a result of low credit scores. It feels like these mortgage companies are holding me hostages by keeping my credit score low due to lack of reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Multiple representatives continue to call me daily although I have advised them when I will make a payment. I receive at least XXXX calls a day at home and at work. I have told them I will make a payment soon, but they continue to call multiple times a day to continue to pressure me into making a payment.

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 2016-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC
State: WA

Complaint narrative:
I have n't received a single communication regarding this debt, except that is showing in my XXXX XXXX account as In Collections. I have kept my mail forwarding address current and have had the same phone number and email addresses for years. I have never gotten notification of toys amount being due, even before it was sent to collections. I do n't even know when that happened, or what the debt is for, who is from, etc. All I know, from XXXX XXXX, is that {$1000.00} is in collections with " Debt Rec Sol. '' I looked them up online and tried calling twice. Today, I sent a letter AND an email requesting more information about this debt.

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 2015-10-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Dream Center Education Holdings
State: CO

Complaint narrative:
I attended The XXXX XXXX from XXXX. I was promised enough student loans to complete XXXX and the ability to transfer my credits if necessary. After using approximately {$40000.00} in loansI was informed that my program had been cancelled. Not wanting to enroll in any other programs offered I decided to transfer. To my dismay I discovered that only a few of my credits would transfer and I had to start over again. The federal government has sued XXXX, the parent company for just such fraudulent behavior. XXXX has instructed the school to return XXXX XXXX dollars to it 's students and XXXX has a class action suit in progress. Can you help me recover some of my losses?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WV

Complaint narrative:
My Mortgage was sold to Green Tree Servicing approximately in 2003? I have experienced many fraudulent actions with them. 
I was told I had to take their insurance because I had let my insurance lapse, that was not true and I had to acquire proof from my insurance company that I had in fact never lapsed. So I won that battle, However : My Mortgage is not a XXXX Loan, It is in Ohio, the home is deeded to the property and Greentree refuses to acknowledge this fact. If I pay an extra each month, they apply it to my next months payment, It clearly states in my Mortgage that any additional payment is applied to my principle. I have also received XXXX statements that have been Higher the following year.I have never seen interest that you have paid go up! I have been collecting amortization schedules each year. The numbers change each year. I have brought this to their attention with no resolution. I turned a claim in to the XXXX, also with no resolution. I would like some help. I did have a Finance Annalist review my amortization schedule and XXXX 's appropriately 5 years ago and they felt that Greentree with misapplying, has created a balance that is approximately {$10000.00} to their favor. I would like to know how to get help with this issue!

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

Complaint narrative:
I just picked up a certified letter dated XXXX XXXX, 2016 that Ditech Financial LLC, a Greentree serving company merger, mailed on XXXX XXXX, 2016 where Ditech is planning to foreclose in violation of Dodd-Frank and XXXX. 
1. Ditech is disregarding Dodd-Frank because Texas has what is called a rule XXXX and XXXX expedited hearing and the number of payments or XXXX does not matter as long as they provide notice of intent to foreclose. 
2. Ditech falsely documented I missed XXXX/XXXX/2016 and XXXX/XXXX/2016 payments. Attached are the cancelled checks and the cancelled check for XXXX 2016 that Ditech had when it claimed XXXX and XXXX were missing. 
3. Ditech is willfully violating XXXX by refusing to process my XXXX XXXX, 2016 for XXXX while it threatens foreclosure. I do not have any missing documents, which they acknowledged to XXXX, but since those conversations are taped, Ditech is falsifying written letters. 
4. Ditech is falsely reporting the Advance balance. Beginning XXXX 2016 {$11.00} per month of the mortgage should be applied to the short. See the XXXX statement attached. When XXXX transferred the account to Ditech in XXXX, advance balance was supposed to be reduced. Yet, Ditech deceptively includes it to drive up the balance. 
5. The late fees are not valid but Ditech includes those to run up the balance. 
XXXX XXXX XXXX # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
My wife lost her business in the end of XXXX, we have since separated and are in the process of divorce. We have decided that I would keep the house. In XXXX XXXX, GTS told me to enter into a forbearance loan for 6 months. At the end of the period if I made all payments on time I would be eligible for a loan modification. My monthly payment was XXXX, the forbearance was XXXX a month but I was told to save the addtional XXXX for each month that I would be required to pay a lump sum of XXXX in XXXX. How this was supposed to help be get out from under is beyond me. It is now XXXX XXXX and I received a letter from GTS that they in tend to foreclose on my home on XXXX XXXX. They wont give me the promised loan modification and offer me no resolution other than curing the debt by XXXX XXXX. They basically lied to me, I have been paying everything in full and on time and yet they are treating me like a XXXX. I want to keep my home and I do n't know what to do at this point to keep these thieves from taking it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28 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: KY

Complaint narrative:
I received a bill from an apartment management company for damage to the unit. When I called to speak to them regarding these charges, the gentleman told me he would not discuss the amount and even if I sent payment he would not accept it and instead he would send me to a collection agency - which is listed at the same address as the apartment management company - so that my credit would be damaged. 
I never received another bill from either the management company or the collection agency. 
I paid the debt in XXXX of XXXX in order to remove it from my credit report, but this company continues to report as " settled for less than the full balance '' and has even updated my file showing a late payment as recently as XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
A new escrow analysis was done and returned a {$700.00} house payment increase. It was discovered that Insurance and Taxes were incorrect. When DiTech took over from Green Tree servicing ( XX/XX/XXXX ), the computer system change over some how double payed my insurance, which caused the increase. Also, when my Tax escrow was computed, Ditech did not take into account My homestead AND XXXX person ( since XX/XX/XXXX -- XX/XX/XXXX on the current property ) exemptions as well as a TAX FREEZE. 

Over several Phone calls speaking with customer service manager XXXX @ ext # XXXX, 5 attempts were made to recompute escrow. Because of Ditech error, not all insurance and processing fees were returned to my account ( approximately {$2300.00} ). 

Full documentation for county Tax computation was FAXed to Ditech but even with correct information, they insisted an approximate {$500.00} increase in payment. 

The credit reporting agencies have also been informed of 30 days late status. This is the first time being late on my house payment, and since I am in the process of applying for a car loan, the information has impacted that process as well. 

Please be aware That XXXX has been trying and not been able to get my problem resolved. She is as frustrated as I in this. She is not far enough up the chain of service managers to get to the bottom of the problem. I honestly believe she is not at fault. 

Between {$2300.00} and incorrect TAX computation, that ALL parties involved agree was originally caused by the Computer system change, I ca n't believe it should be this difficult to correct. The additional fallout of the credit reporting agency notification makes it an order of magnitude worse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
7 phone calls, an e-mail with a second request, request to speak to a supervisor with no results. Fighting to get my Escrow Refund for almost four ( 4 ) months.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I wish to raise an official complaint in respect of the treatment of my mortgage account of Ditech Financial LLC a XXXX XXXX on the basis that our payments are not being recorded correctly. 
I have enclosed our payment history since XXXX/XXXX/XXXX to reflect that my account is not delinquent. What we were told by Ditech is that the XXXX/XXXX/XXXX payment was applied to the principal instead of our XXXX monthly payment. This made us delinquent for our XXXX payment. The explanation that was given to us was that they switched to a new system and mistake was committed by their system. 
My wife and I have called Ditech several times for the last 14 days ( XXXX XXXX to XXXX XXXX, XXXX ) to ask them to correct this error. I spoke to XXXX on XXXX XXXX and was told that this error will be fixed soon. We received XXXX letter that our account has been assigned to an account representative with a statement that states " this communication is from a debt collector. '' On XXXX XXXX my wife spoke to an account representative XXXX XXXX who promised my wife that this error will be corrected on XXXX XXXX, XXXX but as I have narrated XXXX XXXX this error has still not been corrected. 
We are reporting this complaint to protect our credit history since we pay our financial obligations on time and have excellent credit histories and credit scores. Also as my wife was reading reviews about Ditech several have complained to several federal agencies and have suffered delinquent accounts for reporting their complaints. 
Please assist us in this matter.

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 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
Green Tree Servicing give and and all personal information to anybody that called them or that they called. And blew my phone and my family 's phones all day. They were very mean and made rude comments to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
My mortgage company was billing me close to {$50.00} a month for a Third Party Add on Product. I have an automatic draft thru them and did n't realize the increase for for several months, when I noticed it I though it was a lender placed insurance so I called them to confirm so I could send in proof of my homeowners policy. I was shocked when they told me it was an optional insurance thru one of their affiliated companies, some type of home warranty. I had never talked or corresponded with this company prior but they insisted I must have signed up for it and I would need to call that company to inquiry further. I called they number they provided me an was given the run around, they canceled the policy going forward but would not refund the money they stole from me. They advised I must have returned a mailer or given verbal consent. I denied this and they informed me they would place a request to send me proof or a refund. It has been several weeks and have yet to hear from them. I believe this is a violation of UDAAP and feel my mortgage company should be held responsible and refund the money that they took from me without my consent.

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: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I applied and received a modification with Greentree with an interest rate of 2 %. My loan was sold (? ) to Diitech who is NOT honoring Greentree 's modification, and has offered a modification with 5.75 % rate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
We have paid our mortgage payment each month in full. Our next payment is supposed to be due on XXXX XXXX, XXXX. 
We had recently did a recast of our loan ( an incentive offered by the Treasury department for always being current with our XXXX XXXX ) I understand that it might take a few days for your system to be updated, however when I logged in to my ditech account .It is stating I am 78 days behind. There are unapplied funds ( my XXXX, XXXX and XXXX payments ) just sitting there and nobody is updating the system to reflect I am current. The system is saying I owe {$4100.00} ( XXXX payments ) and is due XXXX XXXX, XXXX. This is incorrect as I am current on my mortgage and not even one day late. 

I spoke to loss mitigation and they told me to be patient until my recast is updated, but in the meantime I am getting nasty collection calls even though I am not late. I am requesting that these unapplied funds be released immediately to reflect my status as current. I am also trying to make sure that I am not being reported late to the credit bureaus. 

If you look at my payment history you will see I 've made my payments on time every month. I am constantly getting the run around when I call. My account rep does n't return my calls, and because I am in a late status my phone calls go right to her voicemail. I need someone at ditech to manually go into their system and update my status as current and release my unapplied funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My loan was sold to Green Tree servicing. I set up auto pay with them and can not get ahold of them to confirm it was set up. It is already XXXX days past my due date and I emailed them before my due date and still have not received any info. Also I have held on the phone for over XXXX mins and still have been unable to get a response.

Company response to consumer: Closed with explanation