vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Hillcrest Davidson & Associates
State: OK

Complaint narrative:
On XXXX XXXX, 2017 I received a letter from Hillcrest, Davidson & Associates which used language that tried to make me think they were a law firm. I spoke with an attorney and found out they were a collection agency. The letter said they had been " retained '' and that I had a " pre-litigation claim '' with their office. It also said they would begin " the legal process '' if I did not pay within 20 days. I have 30 days to dispute the debt but that was not on the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
Today I was in contact with PennyMac Loan company can given disturbing information that my loan account was reported past due 30 days for in XXXX or XX/XX/2016. PennyMac is violating FCRA act by reporting my loan last for the XXXX and/or XX/XX/2016 payment. I remitted a payment online on XX/XX/2016 and XX/XX/2016 and the company reported my loan 30 days late to the credit bureau agencies even though the payment was made online prior to. This is the third time the company has reported my loan late and now I am unable to qualify for refinance options as they have reported my loan late. I previously disputed with the that my XX/XX/2016 payment was taken out of my account on and they have not applied my payment in violation of TILA. I am being discriminated against by the company and want them to correct all credit reporting. Please note that if I make a payment on XXXX of each month there should be no adverse credit reporting. I want this matter investigated immediately as I have a already filed a HUD complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: AL

Complaint narrative:
Took out a payday loan from Spotloans for XXXX Paid XXXX per month sand still owe XXXX and then come to find out that they are illegal in Alabama

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I have provided this agency numerous times proof that I paid my portion of the XXXX directly to the XXXX prior to the XXXX. My agreement with the XXXX was that all I had to pay that was my responsibility was that amount. This has been going on for over a year. I have provided the proof on multiple occasions directly to the original vendor. They now are trying to force me to pay up by reporting me delinquent to the credit bureaus with the hope that it will scare me into paying up the money i do n't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
We had a home that we were behind on payments. We were trying to sell it and we continued to fall behind on our payments. We eventually found a buyer for our house and during this whole time we kept in touch with Ditech on the situation. We were told that we are okay to sell our home, that it is not in foreclosure and we do not need a short sale. So prior to our settlement to sell our home we were issued a payoff from Ditech ( they issued XXXX different payoffs within a week of each of them but the XXXX one we were told was correct and that we can proceed to settlement ). This payoff had tons of late fees, and charges and lawyer fees and we just decided to move forward with selling it. We went to settlement, sold the house, signed all the documents and the Deed to the property. The money was wired to Ditech to pay off the mortgage. The Title Company even cushioned the wire with several days of interest. So 7 weeks later, instead of us receiving the additional cushioned interest back to us. Ditech wires back the money to the Title Company. The Title Company ( and all mortgage professionals that i have contacted ) have never heard of something like this happening and tried to contact Ditech to find out why they sent the money back. Ditech would not talk to them so the Title Company called us to help them get information on what was going on. We spent hours on the phone to find out that Ditech had an error on the Payoff and did n't add on {$12000.00} of supposed Attorney fees. When we asked for an itemization of the Lawyer fees, they issued a new payoff with NO lawyer fees and other misc charges that they decided to charge us, plus they added a year of Homeowners Insurance that is not needed on the property that they want us to pay. This is scandolous! First, they kept the money for over 7 weeks!! The people are moved in and making Mortgage payments on their new house that they think they own it. Second, Ditech stated that the additional money that we owed was due to Attorney fees but after requesting for an itemization of those attorney fees they called the fees something else entirely. Their only claim was that Ditech 's Payoffs are not definite and they have the right to change their minds on what money is owed at any time!!!! Please help!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have a complaint with DITECH, which on my credit report lists itself as XXXX different entities which are : DITECH FINANCIAL LLC, DITECH FIN, and DITECH. 
DITECH has made inquiries to all three credit bureaus : XXXX, XXXX, and XXXX in the last quarter. They are indeed my mortgage company. In XXXX 2016, when I made my mortgage payment, they applied the wrong amount, thinking that my check read {$1000.00} less than what it was. I have proof and the cancelled check that they made an error ( which they admitted to ) ; they sent me to DITECH Collection Agency, which I have never been to a collection agency in my entire life, which informed me that they realized their error and would fix it. However, they never did. In XX/XX/XXXX, they told me that I was late on my payment, XXXX weeks after they received the payment and the check was cashed. In XX/XX/XXXX, they did the very same thing. I called them each and every time, spoke to various people in their collection agency, who promised me that they would send me a letter of apology and certainly never report any of this to the credit bureaus as this was their error. I never received the letter, and just knew they would not keep their word, which they did n't. They have made XXXX inquiries under the names listed above, which has resulted in my credit score going down. I am also a victim of identity theft, which also brought my credit score down, but I am sure that you know, as I do, that when a mortgage company sates that you are late with a payment, your score goes down even more drastically. I need them to stop making inquiries to the credit bureaus, as every time they do it lowers my credit score. I would like a letter verifying that they have retracted the false information. Once again I will reiterate that all of my payments have not only been on time, but they have been early.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
In XXXX of 2016 DiTech financial informed us they did not have proof of our last property tax installment. We faxed the receipt to them and heard nothing more. In XXXX, we attempted to pay our first installment of property taxes and were refused. We were told that DiTech paid them. We called DiTech and asked why they paid the taxes and they said that they started a escrow acct. We were not informed nor did we request a escrow acct. We asked DiTech why this happened and we were forwarded to the Property Tax division where we eventually were passed to a supervisor in the XXXX office name XXXX. XXXX investigated and admitted that DiTech made a mistake and that we should not have had the escrow acct. That it was XXXX and right after the holidays within a week he would contact us and let us know that the issue was resolved, that the taxes were now back in our responsibility. The contact never came, my wife and I personally called XXXX and left numerous messages but no returns ever came. A letter came XXXX XXXX stating that our account had changed and it was now under escrow, no viable information as to why was offered. We made our normal mortgage payment ( without the addtional escrow fee ) in XXXX, DiTech accepted it without issue. 
Since we determined that the only way we were going to get out of the escrow account was to search for a refinance option. We found an option with better terms and shorter duration and no escrow. We accepted the offer and closed on XXXX XXXX. We attempted to pay our XXXX payment to DiTech and they refused the payment unless we paid an additional XXXX for the escrow. We stated we were not paying the escrow that we never agreed to the escrow and we had found other financing because they forced us to. DiTech responded with the threat that we either pay the full amount they stated or they would turn us over to the credit agencies. 

On XXXX we received a letter from DiTech stating we are now late and have added $ XXXX to our account as late penalty. 
This threat, even if it does not come true, is completely a bully tactic and left us with no choice but to look for your help. We will also be filing with the Oregon State Attorney General 's office so that DiTech can be told that they do not have the right to bully and do as they wish with my home or credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
ECMC contacted my employer. I had never received any information, telephone call, document, or written correspondence from ECMC. XX/XX/XXXX, the first I heard of them was via my employer. ECMC would not provide me with any documentation, or tell me what I owed, and they made up different names for their customer service people ( the same person referred to himself as XXXX and then XXXX and then joked that he can be whomever he wants ). I looked them up online and utilized their online form ( they would not provide email or fax, and their mailing addresses require you to know what division to write to ) to submit a Cease and Desist. XX/XX/XXXX, ECMC began garnishing my wages through a third-party payroll company, XXXX. They did not contact me, and they did not contact my employer. XXXX did not notify me and will not provide any documentation. XXXX, who is not my employer, but a payroll company, began garnishing the same date they received the notice. ECMC will not produce documents, and XXXX will not produce documents. I live in the State of California ; I am XXXX as a XXXX by XXXX organizations, and I have never heard of something like this happening without any prior notification from anyone. In an online XXXX XXXX " XXXX '' issued by one of the professional organizations to which I belong, it suggests that XXXX notify employees of these actions. I am XXXX, and I was n't notified. In one week, there are more than six hours worth of calls logged to ECMC Internal Collections and ECMC Customer Service. Time and time again, ECMC representatives hang up, play verbal games, claim that the only solution is to start sending them money, and incorrectly state that bankruptcy will not provide a solution. I have no intention of filing for bankruptcy and never will, particularly over something that I do not owe, but I am very annoyed that when you call for one thing, the representatives will waste your time reading information off of a screen that has no relevance to your actual situation. What I wanted and needed was to be notified of this action. Now that it has happened without notification, I want it to cease, and I want to be given actual documents. They claim that the only way to make this stop is to pay them money. I will not pay them money because that would validate something that I do n't even know about. This is XXXX ultimate scam, and I never thought that something like this would be possible in this Country.

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 2016-08-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: FirstPoint Collection Resources
State: GA

Complaint narrative:
FirstPoint is attempting to collect a debt that I have no knowledge of or have ever done business with. They claim they have all of my information including my private social security and will do what they please with it. Per the FDCPA, they do not have my express consent and they are using deceptive means by forcing a debt on my that I never heard of nor have I gave them my authorized signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I am XXXX years, XXXX, and XXXX. A debt collection company sent me a notice in XXXX 2016 claiming a debt of {$510.00} without any explanation. I send a letter to the debt collector within 30 days demanding the debt collection company produce all the documents and evidence of the claimed debt. Instead of providing the documents to verify the claim, the debt collection company reported the {$510.00} claim to all reporting agencies. I demand an immediate withdrawal of the unlawful credit bureau reporting without producing documentation demanded to verify any claim of {$510.00} being owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 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: Meade & Associates, Inc.
State: WV

Complaint narrative:
XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 
Open Account # XXXX {$2.00} Balance MEADE AND ASSOCIATES XXXX, OH XXXX XXXX {$54.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Collection account Remarks Meade and Assc. have added debts to my credit report that have been paid and agreed to remove from my credit report. Aside from the above example from my XXXX there are XXXX closed collections that were to be removed from my credit report those debts do n't belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
I paid off my loan XXXX days ago and was promised that I would have all of my paperwork in XXXX days, which was up XXXX XXXX, 2015. The only thing they sent is a Certificate of Title shat shows a Lien Release on my Manufactured Home. This is a Land Home Package. I have nothing to file at the County that shows my land is paid for. 
When I called Green Tree Servicing LLC on XXXX XXXX, 2015 the person made more promises to send my papers, and was extremely hard to understand but he finally told me I would be getting my papers soon. On XXXX XXXX, I got a letter telling me it is paid off. That is not sufficient. I was promised that I would get a Letter of Satisfaction, and my Original Note. 
Anything else is just not good enough. They have already admitted in an answer to a QWR that the mortgage was sold to investors ( which was not recorded in XXXX XXXX NM ) and last I heard was in a XXXX XXXX XXXX, with XXXX Bank as the trustee, and Green Tree Servicing LLC as the servicer. Anything else other than the original Note and Mortgage Satisfaction letter is not good enough. They sent me a photocopy of the note, so their is no legal reason for them to withhold my Note from me. So far they are giving me the runaround, and wo n't send the papers. If I want to sell my property, I can not do it without the proper paperwork. 
If they do not send my Note back, how will I know it is not still in that trust, making them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
Ditech made several mistakes on my account in the month of XXXX, including extorting an extra payment because they were refusing to cash a check. As soon as they received the extra payment, they cashed the check, essentially getting a double payment. They credited the XXXX payment towards principle. I can not afford to make principle payments at this time, so I asked for a refund of the principle payment. I was told by customer service that it would be done and it still has n't.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
On XXXX/XXXX/2016 I received a debt validation notice from XXXX XXXX XXXX stating I owe {$580000.00} for my home. I never got a phone call letter nothing. The loan servicing company is Di Tech. I mailed {$2100.00} and I have XXXX on a suspense account. The refuse to accept my payments and are demanding {$9300.00}. to cure 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 2015-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I am still really confused as to the fees and past due balance being assessed on my account. I received a statement in the mail yesterday. It says I owe {$7400.00}. When I go to the Greentree website it says I owe {$6400.00}. Why are these numbers different? What happened to the left over money from Save the Dream? What is the real past due balance?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
Greentree has continued to attempt to collect a debt which was : * discharged debt according to credit report and no longer have right to continue to harass past borrower and continue collection efforts* they received asset and sold asset as full satisfaction of debt* MN Attorney General ruled they acted wrongfully and Greentree paid settlement to me for wrongful actions* Mn Attorney General obtained a signed a settlement and they need to discontinue any further collection efforts

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
This company has called my husband repeatedly demanding payment. We are currently working with our insurance company to cover the bill. We have also stated to this company to ceast and desist until we are able to straighten the situation out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have my loan serviced with Green Tree. I have been paying more than the amount due each month that I would expect to be applied to principal, but instead they post it as Unapplied Amount. I have never worked with a less competent services. I 've worked with over XXXX in the past that know how to apply additional payments toward principal. Thus I am paying interest on amounts of principal that I have already paid. This must be illegal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have a XXXX mortgage with XXXX or XXXX and Ditech is the servicer of the loan. According to HAMP website, XXXX, XXXX, and Ditech website, if you have a XXXX mortgage that was modified ( my XXXX mortgage is with XXXX and was modified in 2011 ), then your XXXX mortgage will be modified. However, I called Ditech and they said that they do n't offered XXXX modification only if my XXXX and XXXX mortgage is with them. They refuse to look in to the matter or my case. Therefore, I want to file a formal complaint against Ditech and XXXX for not servicing my loan properly and by government compliance.

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