vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I filed a prvious complaint ( XXXX ) about my mortgage servicing company holding extra funds earmarked for principle reduction in a non-interest bearing account. It took them five months and your complaint to get the funds applied. The following exceprt from a letter dated XXXX/XXXX/15, that I received from Ditech, " When an account is in active bankruptcy, Dtech can not apply overage payments to principal without court order and trustee approval. Additional funds would need to be considered by the trustee and possily result in a new bankruptcy payment plan. '' Is it Ditech 's perogative NOT to notify the trustee? If this preposterous statement is the truth then they are in violation with full admission of knowledge of the rules by the statement from their letter! The mortgage company ( there have been somany I wold have to research who held he mortgage at the time the of the filng ) was only used in the " means determination '' for our bankruptcy. It was our intention from day 1 to meet this obligation. We did so with 60 consecutive on-time payments to both the mortgage company and the bankruptcy trustee. Our payment plan which we completed sucessfully repaid all of our includeed creditors in full. Recently, I received a telephone call from Ditech collections about a " partial '' payment. They wanted an electronic payment over the telephone with a service charge. The loan that Ditech services assumed was an interest only payment which just recently went to interest and principle. Ditech never notified us of the change. Their claim is that they could not tell us because it would violate bankruptcy law if they contacted us about a debt. The bankruptcy was discharged XX/XX/XXXX and we just got our first regular statement form Ditech. I requested a payment history from Ditech for the bakruptcy period ( 5 years ). They claim that they have only serviced the loan for two years and can only provide a two year payment history. In this age of electronic records it is hard to believe that a payment history would not follow an account from financial institution to financial institution. 
I believe these practices to be both irregular and illegal. To claim that by " magic '' ( without any notification requirement by the mortgage servicing company ) I was supposed to know the new payment amount. This company is an affront to any sense of fair play or customer service. I am dealing with thm with no chice in the matter or any recourse!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I got a loan from XXXX. this loan was sold to green tree. Green tree then foreclosed on the loan and took possession of the property and sold it. they then sold the loan to Ditech. Ditech sent me a XXXX form to pay taxes on a loan that was foreclosed and stayed on my credit report for 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My loan was transferred from XXXX to Green Tree on XXXX XXXX, XXXX. Green Tree is now Ditech Mortgage Corporation. I have not received loan documents from Green Tree or Ditech as of today XXXX/XXXX/XXXX. I have made numerous requests for my loan documents via Green Tree and Ditech customer service email web site and by phone with their customer service representatives. As a result of those requests I received from Ditech three sets of loan documents covering a loan I had with XXXX back in XXXX, but nothing covering my loan withGreenTree/Ditech. In addition to the missing loan documents Green Tree/Ditech tacked on late fees to my loan amounting to nearly {$300.00}. I have never been late with my payments to Green Tree/Ditech. I am very frustrated with the situation. I know Green Tree/ Ditech is breaking the law by not providing me with loan documents..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
We are submitting a complaint against PENNYMAC XXXX mortgage company. They faithfully took our mortgage payment for over 1 year, always paid ON TIME. At the beginning of 2015 we received a bill totaling approximately {$15000.00} due to insufficient escrow and a statement that had our taxes at over {$24000.00}. INCORRECT!! We called to inform them that the taxes they have are wrong and even provided tax statements from our local township that had our taxes listed at between $ 6,000- $ 7,000/year. They stated that they had paid the township much more than the township states they actually received from them. They state that they were able to obtain a refund of THEIR money that was overpaid but it still left an error on our account for which they are trying to bill us approximately {$2000.00} in order to bring our account up to date which they will then refund to us. ALL calls to Pennymac have resulted in nothing but delay, poor customer service, inability to rectify this problem in a timely manner and now they have put us in collections and have affected our credit for THEIR error. We have continued make our monthly mortgage payments and have faithfully been calling asking for them to resolve their error only to receive harassing " automated '' notices and NO actual assistance or resolution. We are seeking legal counsel for the issues with this company and have noted MANY similar consumer complaints online with many of the same complaints. This company appears to be conducting itself in numerous unethical ways and has the poorest customer service we have EVER experienced ANYWHERE. We desperately need investigation, assistance and intervention to rectify this issue and have the company resolve their errors and restore our credit. Please help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: MO

Complaint narrative:
I entered into a vehicle lease for a XXXX Volkswagen Jetta at XXXX XXXX Volkswagen in XXXX, XXXX in XXXX XXXX. The lease was supposed to run until XXXX XXXX. However, I received XXXX in XXXX XXXX. I was XXXX for a total of 184 days. While at training, I attempted to terminate my lease under SCRA, but Volkswagen denied my application because they said SCRA would not apply if I was not XXXX out of the U.S. I applied twice more after that and still continued to be denied. Eventually, in XXXX, the dealership told my mother they would take the car back and she turned it in without issue. However, in XXXX I received invoices from the dealership stating that I was behind two payments for XXXX and XXXX XXXX. After calling the dealership, they told me that they had not completed the process for turning in the vehicle and that those two payments would be taken off of my account. However, in XXXX XXXX I received a statement from the Volkswagen credit department out of XXXX saying that I owed {$13000.00} for the remainder of the lease. I went to the XXXX XXXX legal office for help. The XXXX called the credit department informing them of my rights under SCRA and they told me to reapply to them since they are the ones authorized to process vehicle turn-ins. First, they gave me a fax number which did not work. Then the XXXX was able to email my paperwork to the credit department and I received a receipt that they received the email. However, after a week went by, they said they still had not received my email, even though they sent me a receipt notice. After re-sending the paperwork, they denied my application again citing that SCRA did not apply to me because I was not out of the U.S. and I was not on XXXX XXXX for more than 180 days, even though my orders show I was. The XXXX again called the credit department to inform them that they were incorrect and told the XXXX that they would look at it again and contact us when they reviewed it. I have still have not heard back, even though they are continuing to send me invoices. The XXXX and I feel that Volkswagen is being completely unresponsive and is not honoring my right to legally early terminate my lease under SCRA and at this point want to seek assistance from the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
Sent an insurance check from XXXX XXXX XXXX XXXX to Ditech Financial Claims,XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX/XXXX/2016 for endorsement from tornado damage inflicted in XXXX 2016 XXXX XXXX . Still have not received check back as of XXXX/XXXX/2016. Would like to fix my home as I have spent available funds to temporarily do so. I keep getting dates for " the check is on the way '' from different people with Ditech. I was told by Ditech to send it Attn : XXXX. Do n't know who that is, and have never spoken to her. I need that money to repair stuff. 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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Just reading about a suit brought against Navient and XXXX with respect to borrowers rights. I have had, and still do have, loans with Navient. In an effort to speed up my loan repayment and minimize the interest earned against my loans, I had set up biweekly automatic payments through my personal bank ( similar to what most people do with their mortgages ). For example, if my student loan bill for a month was {$100.00}, I would make two payments of {$50.00} prior to the due date of that month 's bill. This repayment method, however, created significant issues with Navient and caused me to incur several months of late payment fees which I would have to fight in order to have them removed. Not to mention, I was not able reduce my debt burden by reducing the principle to which interest would be accrued against. The issue lies in the fact that while I would only see a monthly bill for {$100.00} ( using my prior example ), Navient would actually view it as multiple " bills '', depending on how many loans I had with them. So my {$100.00} bill may be viewed to them as XXXX loans with monthly payment balances of {$40.00}, {$30.00}, {$20.00}, and {$10.00}. So if I made an initial payment of {$50.00} towards my monthly bill of {$100.00} to Navient, they would apply the {$50.00} first to any outstanding penalties. Next, they would take the remaining and apply it towards the interest due for the month. Finally, whatever may have been left over would go against the loan with the highest principle remaining. Sticking with my example, and assuming no penalties, my initial {$50.00} payment may cover the interest due ( say the interest was {$35.00} ). The remaining {$15.00} would go towards the loan with the highest remaining principle. My second {$50.00} payment would also go towards the loan with the highest remaining principle. Although I have fulfilled the amount due on my monthly bill, Navient views the other XXXX loans as not having been paid for the month because the monthly principle payment for those loans was never satisfied in my two payments of {$50.00}. The next months bill would reflect a late payment penalty as well as a balance due for the previous month. This went on for several months until I had to finally give in and resort back to a single monthly payment. I could n't afford the risk of having to call every month to fight for my payments to be distributed correctly in order to have any late fees and penalties removed. 

I can provide documentation of bills that received the full monthly balance due but still incurred penalties due to Navient 's mishandling of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
Commonwealth Financial could not verify original creditor or account number, I have not received anything from this company in writing informing me of the debt collection, and debt is on my credit report XXXX times, for the third time. This debt which I noticed on my credit report a long time ago just fell off of my report for the second time in XX/XX/XXXX. The debt showed up again on XX/XX/XXXX and was reported XXXX times on my report instead of just once. This company is falsifying dates so that they XXXX continue to collect on a debt that is void due to statute of limitations. They are now claiming that the date of service was on XX/XX/XXXX. I called every hospital in my area with XXXX to try and verify the date and none of them had anything with that date or anything close to it. That date is also my mother 's birthday and I know for a fact that I have never been to the emergency room on her birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Sent mortgage payment for XXXX/XXXX/16 to Ditech mortgage company.Received phone call on XXXX/XXXX/16 saying payment was not received.Produced bank statement that check for {$2100.00} was cashed by Ditech on XX/XX/XXXX16.Faxed statement to Ditech.Was credited mortgage payment of & XXXX on XXXX16.Ditech still has not credited my account for the {$1000.00} payment on the principle.I called several times, they refuse to credit the account claiming they do n't know where the money is.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
The now defunct GreenTree Mortgage Servicing, in addition to having wronged us in all ways you made judgements against them in XXXX 2015 ( which we did not know about until today ) continues to report our old mortgage as delinquent and unsettled to the credit bureaus, two years after the sale of our home and AFTER sending us our PAID IN FULL stamped documents. We made 12 years of on time in full payments to them and I ca n't get anyone at Ditech, who bought them, to help us. We just want it off the credit reports. It 's our only black mark and its trashing our scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I ca n't access my account online or make a payment. I do n't even get a paper statement in the mail. I 'm now getting calls from Ditech about paying my mortgage, BUT I CA N'T BECAUSE THEIR WEBSITE DOES N'T WORK!!! This is crazy. Ditech is damaging my credit. I do n't even know my account number or the amount of my payment without access to their website or where to mail a payment. I never agreed to do business with this company -- my mortgage was sold to them. Ditech 's website often does not work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-10 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: Ray Klein, Inc.
State: AL

Complaint narrative:
complaints : XXXX Consumer Cellular service and Professional Collection Service have made XXXX entries with Credit Reporting agencies once XXXX 2015 and XXXX 2015 stating that I have an account balance that goes unpaid and is in dispute. My previous complaints clearly points out that the balance consists of fees that are not justifiable. 

They are attempting to damage my credit rating by using this approach. Again, Consumer Cellular and Professional Collection Services are attempting to have me pay a {$25.00} fee plus XXXX-dollar late fees due to my refusal in releasing a dispute with XXXX XXXX against XXXX XXXX for an unauthorized debit on my bank account. 

Please review my previous complaints ; I was notified of the Credit Report activity by my Credit Union on Wednesday XXXX/XXXX/2015, confirmed by the Credit Reporting Agency XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
This is ONGOING-especially during summer months with Green Tree LLC. They can NOT post a payment in a timely fashion. For some reason it takes LONGER usually starting in XXXX to receive and post a payment correctly. Then the arrears process begins against my account which is an ERROR on their part, but they show my account for my mortgage delinquent and then I start the complaint process against them. This has been ONGOING since XXXX XXXX XXXX XXXX XXXX dumped me in their care. The payments are made, they just do NOT process them, they clear my bank. I write checks and mail them for a paper trail, because you NEED a paper trail to prove everything with this unfortunate excuse for a servicer. They are inept, they do NOT practice general accounting principles. They charge BOGUS late fees, and my personal favorite ... the dinging of your credit so you ca n't get AWAY from the vultures. My Congressman is SICK and TIRED of me complaining to him about their inability to service a mortgage loan correctly. But NOTHING gets done, the complaints from the masses continue, the BBB told me they get NO where with them. NO one seems to be able to make them DO what they are supposed to DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Ability Recovery Services, LLC
State: IN

Complaint narrative:
This collection Agency has sent me a letter stating that I owe {$690.00} for a organization / company I have been paying, but they also claim I owe them for the same amount. XXXX XXXX XXXX XXXX claims I need to pay the full amount if not then I will sued in court, but they actually did not provide anymore verification about the amount of debt or further information about the company they were hired by to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I went to the ER in 2010 at Florida Hospital in XXXX Florida. I provided them with my medicaid card ( XXXX coverage ) and also my XXXX XXXX XXXX card. Hospital billed XXXX but failed to bill medicaid for the remainder ( as per the XXXX implemented by medicaid. ) Hospital sold account to a Debt Collection company. I called them and sent them documentation from XXXX and Medicaid showing I was covered and should have never been billed, as well as letting them know that per medicaid they would pay the bill -however they are not allowed to pay a third party. They became rude and refused to submit the bill back to the hospital for it to be paid by medicaid. They continue to state this is debt I owe them and I dont. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
This so called debt was first issued to me in XX/XX/XXXX - stating that I did not have insurance. and I have had insurance since XX/XX/XXXX. I do not recall even getting medical treatment in XX/XX/XXXX. I have tried to contact Commonwealth when they issued a collection debt and it showed up on my credit reports. I also sent a letter to your company to forward to Commonwealth, I have yet to receive any kind of response. I believe that a family member may have used my name during this time. I do not have knowledge of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
I attended XXXX University Online campus and I withdrew from their program but they signed me up for class that I did not know I was registered for. I received a bill for XXXX and I called them to resolve it and they said that I owed the money. Now the Account is with Ability Recovery Services and has since been included in my chapterXXXX bankruptcy. This account is listed under derogatory accounts from ARS collection agency and I want it removed immediately from my file with all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D2 Management LLC
State: MO

Complaint narrative:
Someone keeps calling my husbands phone to collect a debt in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Lipsey, Morrison, Waller & Lipsey, P.C.
State: TN

Complaint narrative:
Car was repossession was sold by XXXX XXXX.But they are trying to collect the total amount we owned before they got it.Also we file bankruptcy which has this amount they are still trying to collect by putting a lean on our property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief