vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) has paid out XXXX in the past for violation against consumer 's on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This is a fact that can be backed up by going into www.ftc.org website. XXXX XXXX XXXX ( XXXX ) is in violation of my rights under both law as well. They are reporting a debt that they claim was acquired from Capital One Account # XXXX. Capital One stated in XXXX XXXX credit bureaus that the account was sold to XXXX XXXX XXXX, however there was never a legal notice of transfer by assignment rights of the debt, a strict requirement under FTC guidelines, FTC XXXX XXXX XXXX XXXX XXXX XXXX ). Capital One admitted that the initial first late payment was XXXX XXXX. Accordingly, Capital One, based upon the 7-year rule FCRA has deleted the above referenced account. XXXX XXXX XXXX ( XXXX ) by extension from Capital One has without question the very same timeline on removal of the debt. The debt is no longer enforceable under collection guidelines within the state of New Hampshire. The evidence that XXXX XXXX XXXX does request has already been submitted, showing the legal timeline for removal, the connection to XXXX, and the deletion of all Capital One accounts across the board with all pertinent credit reporting agencies. XXXX XXXX did through its own internal investigation remove all Capital One accounts and the collection of XXXX. XXXX XXXX XXXX ( XXXX ) sent to me copies of invoices dating back to XXXX, and this was a major waste of time. The reported timeline on my credit reports by Capital One is the only item necessary to validate the removal date of the original account and any extension to a collection agency. XXXX compliance people need to go back to school to fully understand the meaning of the term 7-year rule on the elimination of obsolete negative information. I demand my file purged and that the Federal Trade Commission through the Consumer Financial Protection Bureau sanction XXXX for trying to re-age a debt already proven obsolete by Capital One and XXXX major credit bureau, XXXX XXXX. XXXX needs once again be penalized for ongoing violations of FCRA and FDCPA against American consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: OH

Complaint narrative:
So.. Yes.. I accept that I did owe a certain sum of money that dates from probably about 2 years ago and Now turned in for collection.. I did n't have a opportunity to settle this.

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 2015-08-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Im XXXX and i can no longer pay the loan at this time. I have told the loan company this and yet they still call my fiance, go to my work place and even call my mothers boyfriends workplace where i occasionally work to fill in for some one daily. It is harrasing me that they continue to call and show up at his work place and even call my fiance while he is at work trying to get him to pay the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BTH Management
State: MD

Complaint narrative:
I took out a loan with XXXX XXXX for {$1000.00} XX/XX/2016. I became delinquent on the loan. I recently pulled a credit report and found that I had a collection account reported on my credit file from Plaza Services. I never received any communication from Plaza Services that the debt was being handled by them not any information on how the amount got to {$1700.00}. I contacted Plaza Services who advised that they sent a notice XX/XX/2016. I advised them that I never received any communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
The current servicer of my mortgage loan ditect finicial has refused to provide the mortgage servicers number and office or person of contact in the state of hawaii in accordiance with hawaii state law for mortgage servicing companies. Has failed to address issues with mortgage documents. XXXX different sets provided by them to me XXXX with a stamp of XXXX XXXX without. Have failed to provide orginial ink signed documents that would show that the XXXX page arm note isnt forged. They where and have been rude on the phone threatened to hang up. Said that my credit will be damaged and they intend to do so. They have failed to address any concerns I have as borrower. They continue to send bills even though it is in foreclosuer and no acceleration letter was sent in the first place. They have failed to provided me contact information of the lender to this loan. They have failed to provided if there is even a lender. That they should contact XXXX and address that a trustee foreclosing on the property is not proper as a trustee is not a lender and cant provided or attempt an alternative remmeedy to foreclosurer. Have failed to discuss by phone or in person what alternative solutions there moght be and what those entale as to credit score, pay back, pentalties, ect. That sending paper work to fill out after XXXX doing the same. That they have the ability if the loan is paid off to give me free and clear title not just someone saying that o yeah we can but actuall proof. They never have provided notice of interest rate increase and reason or proof to why it has increased but they have just raised it. Continued slander and deffermation to my character, credit score and worthiness, and abolity to aquire normall living standards due to the impact of this forecloser and credit reporting of deliquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WY

Complaint narrative:
I have had a mortgage on a property since approximately 2003. It was underwritten by XXXX, sold to Green Tree, and resold to DiTech. Since the inception of the loan, it has been paid automatically from my bank account, and has never been late. 
Since Ditech got the mortgage, I have been harassed by phone and by mail, saying I am anywhere from {$35.00} to {$650.00} overdue. This is not true. I have contacted Ditech by phone 6 times about the issue, twice speaking with supervisors. Each time I call, I am told that my account is in fact NOT past due, but that since their takeover of the Green Tree loans, Ditech 's " reallocation '' process is behind, and that is the reason I continue to get dun notices by phone and by mail on a monthly basis. 
I do n't know what a " reallocation '' process is, and I do n't care. 
1 ) I want Ditech to stop contacting me to tell me my account is overdue when it is not ; 2 ) I want written assurance that my XXXX+ credit is not imperiled by Ditech 's internal 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 2016-01-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I have been applying for Mortgage Loan modification on my property since last year without any positive response and has been turned down XXXX times without giving any reason. My property or Loan number is XXXX I have been behind and struggle to catch up with my mortgage payment since the middle of last year due to medical reasons that has affected the family finances coupled with medical bill incurred during my son 's having a procedure on a XXXX XXXX at his school playing ground last year. 
The loan modification application was completed and all the necessary documents including the medical bills were sent to them. I have not even been able to pay the medical bills due to lack fund and some of them have gone to collection. My wife has exhausted her XXXX at her job in the payment of the mortgage with the statement sent to PennyMac. 
My wife and myself are both presently in school and work to ensure better financial status and we are not making enough to meet the family financial needs. 
The major reason for PennyMac denial is that the family is not making enough money compare to what is going out hence the modification is denied which is the reason for asking for modification and I think should be a reason why the modification should approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 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: ECMC GROUP, INC.
State: TX

Complaint narrative:
I saw XXXX collections on my credit from ECMC, a collection agency that is not bonded to collect in my state. I sent for validation from them but they never responded. My student loans were consolidated and are current, yet this agency refuse to remove this inaccurate information from my credit. 
ECMC IS NOT BONDED TO COLLECT IN MY STATE

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 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Paid extra fees to avoid giving green tree servicing direct debit ability. Had to hire a lawyer to avoid foreclosure action while my loan modification request was being delayed by them.

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 2016-12-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
The collection account from Meade and Associates was for a medical bill to XXXX, XXXX Hospital which I paid directly to the hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: ME

Complaint narrative:
My name is XXXX XXXX. Greentree Lending/XXXX XXXX XXXX XXXX are currently forclosing on my mortgage. 
Before I had this lender I was with XXXX XXXX XXXX for 2 years. With the help of EHLP I paid my mortgage on time every month for 2 years. 
XXXX 2015 : End of EHLP assistance. I contacted XXXX XXXX XXXX to apply for a making home affordable modification. I sent in required documents and waited. 
XXXX 2015 : I received a letter from XXXX that they sold my loan to Greentree and that Greentree would be picking up where they left off with my modification. 
XXXX 2015 - XXXX 2015 : I heard nothing. Not a bill, no follow up on my modification, nothing. 
XXXX 2015 : I received a bill for XXXX to XXXX mortgage payments from greentree. I notified Greentree that they were supposed to be working on a modification for me and they told me they had no record of it so I applied for another through them. 
XXXX 2015 - roughly XXXX 2015 : I received a request for additional paperwork. I mailed in the additional paperwork and no word. 
XXXX 2015 : I received a letter saying they did not get paperwork they requested so I was denied a modification. I notified them I wanted to re-file. 
XXXX 2015 : Greentree lending Began the process of foreclosing on my home. Went to a mediation and got the assistance of a housing counselor. Applied with her help for another modification. Surprise! This time they gave me an offer for a mod however I was not able to get a XXXX XXXX because now I owed too much of a back bill to qualify for the hamp XXXX XXXX a month payment. They offered me a hamp XXXX mod for XXXX per month which is XXXX whole dollars less than what I can pay now. I appealed without the help of my counselor. They responded after my 30 day trial with a denial letter. 
XXXX 2015 : Went to another mediation without my housing counselor. I told them I could not afford XXXX per month and they refused to negotiate with me further to help me save my home. They stressed a quick sale.About XXXX weeks later I received foreclosure paperwork in the mail. 

If Greentree had n't dropped the bomb to begin with on my original request for modification I never would have been denied a hamp XXXX modification! I feel like they are trying to forclose on me and make a quick dollar. I have XXXX kids XXXX dogs and XXXX cats. Where are we supposed to do. They wont even negotiate and it was n't my fault they never picked up the paperwork from XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
This was discharged in my Chapter XXXX Bankruptcy. Balance as of XX/XX/2012 from my Chapter XXXX bankruptcy was {$0.00}. Now this company is harassing me to pay what was discharged back in 2012.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX 2015, JP Morgan Bank deducted without authorization from my personal checking account {$300.00} listed as an ACH payment to XXXX XXXX. I have never authorized any ACH payments from my account. I have never used the Debit card to make a debit purchase in the years I have had the account with Chase Bank. On XXXX XXXX, 2015, another {$500.00} was deducted from my account without authorization as a new ACH payment. On XXXX XXXX, 2015, while depositing checks, I ran a statement of my last XXXX transactions from the ATM and received a print out. I went into the branch and alerted the bank to the fraud. The fraud division at Chase did not answer the phone for 28 minutes even though the call was from the branch. After several calls on the morning of XXXX XXXX 2015, I received the information that anyone with my checking account number and routing number ( which is on the face of every check ) can withdraw money from a person 's checking account in any amount! No written authorization from me, no notice to me of the withdrawal from my account. Nothing. Robbing people 's money at Chase Bank is as simple as taking the account number and routing number and submitting an ACH request to the bank. Is there no surety bond for a party taking an ACH. 
Is there any background check on the party requesting an ACH? I wonder if my XXXX year old mother would recognize an ACH debit from an organization that appears to be a utility bill ( in my case XXXX XXXX ) or an insurance bill ( XXXX XXXX XXXX ). 
This is the easiest method to rob the elderly and the majority of Americans who do not pay attention to their accounts. 

What has government done to stop this looting of accounts? It appears very little has been done. What is the purpose of CFPB if it can not protect the basic checking accounts of citizens. What is XXXX XXXX doing about this looting of accounts by simply submitting ACH requests? Does XXXX XXXX have the personal fortitude to correct this problem? Senator XXXX XXXX fought for XXXX XXXX to be head of CFPB - I am hoping that XXXX XXXX has the personal fortitude to make a difference in this matter and make his parents proud of his actions -- not just of his title as head of CFPB and his salary and benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Since 1999, my condominium mortgage loan has been re-sold several different times, to several different companies. Right now, it is with DiTech. DiTech does not just send me my monthly billing statements, however. They also send me " sweepstakes offers, '' " refinance offers, '' etc. I have told DiTech ( & before them, GreenTree ) numerous times that I do not wish to refinance. I have told them this by mail, & by phone. I am also on the " OptOut List. " DiTech sends me their " offers '' in a white, blue & red envelope that looks just like the U.S. Postal Service " Priority Mail '' or " Express Mail '' envelopes. On the outside of the DiTech sweepstakes envelope, it states : " Time-Sensitive Information, '' " Urgent, '' " Tracking Code, '' & " Confirmation of Receipt Requested. " I feel that DiTech is trying to scam seniors, or those who may be confused, with their " DiTech Home Loan Sweepstakes '' envelopes & mailings. I am filing a complaint with your office, as I want other people to be aware. Thank you for your time.

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 — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
I tried to close out my loan with Ditech on XXXX XXXX. Our reoccurring payment was supposed to process on XXXX XXXX. However, they processed our payment on XXXX XXXX and then did n't close out the loan until XXXX XXXX, holding our overpayment " hostage ''. We contacted them on the XXXX when the payment came out and they said they ca n't cancel it. Then the system was down from XXXX XXXX XXXX and during this entire time frame we were unable to get any information about our loan. Now on XXXX XXXX they still can not give me any information on the status of the refund they owe me, only that it will be evaluated at the end of XXXX. I can understand if it takes awhile to process the check but I should be able to know my exact account balance daily - not over a month later.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I am a XXXX in the state of Georgia and I was hired to repair a home that had been damaged by a hail storm. The insurance check was sent to the homeowner in the mortgage companies name, Ditech Financial LLC, and the homeowners name. The homeowner endorsed the check and sent it to the mortgage company. After completion of the work the mortgage company was supposed to send a check back to the homeowner in my name and the homeowners name so I would be paid for the work. I submitted all requested paperwork to the mortgage company and they refuse to pay me for the work. The home owner and myself are on good terms and all work was preformed to the satisfaction of the homeowner.The mortgage company is stonewalling the payment for no apparent reason. I have been lied to by the mortgage company several times and at this point believe that the company has no intention of paying me. I have been left with no other option but to sue the homeowner for the amount due which is going to destroy our good relationship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I bought the house at XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX for {$290.00}. 

By summer XXXX there were XXXX mortgages on the property, XXXX held by XXXX, a 30 year loan with balance of approximately {$100000.00} and the other by XXXX XXXX XXXX, a HEQ line with an amount of {$120000.00}. In XXXX XXXX, when I rented out the property and moved to XXXX XXXX. The house was rented until XXXX XXXX, XXXX. The XXXX mortgage was assumed by Bof A for many years, and in XXXX they sold it to Green tree Servicing. The Home Equity line is still with XXXX XXXX. 

XX/XX/XXXX I began to investigate the possibility of selling the house, and perhaps on a short sale basis, in case my liability on the XXXX loans turned out to be greater than the value of the house. 

On XXXX, XXXX date I was informed during a call to Green Tree that the house had been foreclosed on by Green Tree, the holder of the XXXX mortgage. I have no documentation to to support this. 

At that time, the balance due on the first mortgage was approximately {$100000.00} and the balance due on the XXXX mortgage was approximately {$120000.00}. The fair market value of the house at that time was more than {$200000.00}. 

I have repeatedly asked Green Tree for an accounting of the proceeds of the sale, but have been unable to obtain any information about how much the house was sold for, to whom, or on what date. No transfer deed has ever been recorded in the public records. 

On or about XXXX XXXX, I was contacted by XXXX XXXX XXXX who represented that he had bought the house at the foreclosure sale, and asked me to sign a quitclaim deed in exchange for ( {$1000.00}? ). I do n't know if he is the actual buyer or a fraudster. 

At this stage, I do not know if I am still the owner of the property, or whether it has been sold. If it was sold, I do n't know whether is was sold for anything like the fair market value. I fear that the XXXX mortgage holder may have sold the property for far less than its actual value - enough to cover some or all of their loan, but not the XXXX mortgage, for which I would still be on the hook. 

I am writing because I have been unable to get answers to my questions from ( Greentree ) and its representatives, and I do n't know what to do next. At a minimum, I would like to know whether the house was sold, when, and for how much. 

If the house is still mine, then I would like to arrange a sale, possibly a short sale, that would take care of both loans. If I have no further ownership, I would like to know.

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