vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK
State: DC

Complaint narrative:
XXXX XXXX, I sold my home and paid Astoria Bank ( see attached documents ) 100 % of the amount requested to be " Pay Loan in Full. '' To this date, I am still asking that Astoria Bank properly report that the credit report to reflect " Pain in Full. '' With the help of CFPB I 've made progress by correcting the late payment errors and asking Astoria to update they wording, however now they have chosen to state a reporting of " Pain in Settlement '' which is still false. They recently changed the wording from " Paid for Less than Full Balance '' which proves that they have ability and control over the wording ... I ask that they please just change the wording to " PAID IN FULL. '' I 'm not sure why they are playing these games and being so aggressive to me personally, but I ask the CFPB request that they once and for all end this game playing. It 's two years already, the account has been closed and paid in full ... please stop wasting everyone 's time and valuable energy already. The documents I have attached show the closing documents from my attorney XXXX XXXX and Astoria with the amounts requested along with the corresponding IRS Tax form that was provided my Astoria. In addition, I have attached the XXXX Credit Report from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX showing the two different statements. Please note that they have properly reported no late payments, which was corrected with the help of CFPB, now I request that the " Paid in Full '' Status be updated as well. Please feel free to reach out to me or my attorney directly for any additional questions. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
Have received collection notice but never received a bill from the supposed creditor.

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 non-monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
We hired a realtor to handle all aspects of this transaction and currently, have a contract pending to sell our home as a Short Sale. Closing date of XX/XX/XXXX. Shellpoint Mortgage Servicing sent our agent the 'Agreement to Release Collateral Interest ' stating that Shelllpoint obtained approval to release interest for the amount less than the total due on loan. The terms did not include a 'waiver of deficiency ' or statement waiving the right of the investors or Shelllpoint to collect that deficiency in the future. Because of the future liability, we contacted Shellpoint to request modification of this agreement. I was notified that by my agent that he was not able to get in touch with XXXX, the representative handling our file. I left various messages for XXXX with no callback. I spoke with several representatives ; XXXX a CSR stated ; " We would not be liable for the deficiency and that the verbiage is never written and customers always question the verbiage. She assured we were not liable and we were good to go ''. I asked this to be put In writing and I was transferred to XXXX voicemail. 
I also spoke with XXXX, XXXX, and XXXX. On XX/XX/XXXX I was transferred to XXXX in Loss Mitigation, who confirmed the Agreement to Release Collateral Interest to be incorrect and an error on their part. He stated a new Agreement to Release Collateral Interest would be drafted showing that the debt considered fully satisfied for less than the amount due and with no remaining deficiency balance owed. The last paragraph of the agreement, regarding any collection of the remaining balance due and owing, would also be removed. 
On XX/XX/XXXX I contacted Shellpoint to inquire on the status of the newly drafted agreement. I spoke with XXXX who confirmed the agreement was written and sent on XX/XX/2017. I requested that she fax it to my agents who in turn emailed the agreements to me. Surprisingly the agreements were not modified as discussed. In fact, the only thing that did change was the date. My agent contacted ShellPoint mortgage and spoke XXXX who informed him that the agreement was a legal document and could not be modified. Apparently, we are getting the run around from this company. Per the agreement, we have to close by XX/XX/XXXX. I am unable to get anything accomplished with this company. The agents I hired to handle this transaction, and I have been getting the runaround with no resolution. 
My wife attempted to call today XX/XX/2017. She spoke with XXXX who transferred her to Loss Mitigation, XXXX. Again he was unavailable but was working. Per XXXX, she directed my wife to contact the Manager XXXX who could be reached via the XXXX # ; my wife left a voicemail for XXXX, once again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
There is a collection company that keeps putting an amount on my credit report. Every time I get it removed, they change the account number and put it on again, with a different date too. 

Their name and address is : Credit Management XXXX XXXX XXXX XXXX, TX XXXX It says it 's for XXXX XXXX XXXX, however I have NEVER had service with XXXX XXXX. I 've always had XXXX. 

No matter what I try to do, they will not stop.

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 2015-08-25 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: SECURITY CREDIT SYSTEMS INC
State: VA

Complaint narrative:
I have been repeatedly contacted by phone and through the mail by Security Credit Systems Inc in XXXX XXXX about charges from XXXX College in XXXX, XXXX, which I attended under the Trade Act, which covered all tuition, books, fees, and required materials ( in addition I also received XXXX State Grants each semester ). All charges should have been covered by either the Trade Act or the State Grants. I have repeatedly requested information specifying what the charges were for, and received a print out provided by the XXXX which indicated only " XXXX XXXX, '' with no itemized information provided. I recently received a letter from Security Credit Systems Inc which said, in part, " ... Because of your neglect we may be forced to recommend further collection activity. '' I find that statement to be threatening and harassing given that I have repeatedly requested information regarding what the charges are for, but have never received that information, and that is why I am reporting this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Data Corporation
State: MN

Complaint narrative:
We had ordered new check blanks in the mail and they were stolen and used at a couple of locations, XXXX being XXXX XXXX. A police report was filed and XXXX XXXX was contacted. The bank issued us a refund of the fraudulent charges and then I received collection letters in the mail from TRS Recovery Services trying to get me to pay these charges again. Upon trying to contact this collection agency, their XXXX number is disconnected and when I call the other number and try to give my claim number it types the incorrect number. I want these charges removed from my name!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am a victim of identity theft and someone stole and used my personal information to open unauthorized and fraudulent accounts. I have been receiving harassing and threatening telephone calls and death threats in regards to unauthorized and fraudulent accounts and debts that do not belong to me. The following accounts listed on my Trans Union credit report are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court, XXXX County District Court, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX and XXXX

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 2016-08-13 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: First Data Corporation
State: NV

Complaint narrative:
For years I 've never had a problem paying big national chain stores, and local merchants with checks. Two months ago, a company called Telecheck ( First Data ), apparently hired by XXXX, XXXX, and XXXX XXXX began rejecting my checks as, they claim, my check writing pattern is indicative of fraud, though I have never bounced a check in any of these retailers. They are fraudulently representing themselves as having special knowledge when they do n't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivable Solutions, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX showing for {$55.00} Original was purchase by Receivable Solutions and I paid in full {$400.00} on XX/XX/XXXX for all medical bills to Receivable Solutions for this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Union Adjustment Company, Inc.
State: CA

Complaint narrative:
i found out i had a collection on my credit from a parking ticket, so call to pay it off on XX/XX/XXXX which i did in fact with a credit card over the phone, today on XX/XX/XXXX i was denied credit on a auto loan because union adjustment company is still reporting the account as unpaid after i paid it off eight months ago, this company is stopping me from moving forward with my life can you please help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Cawley & Bergmann, LLP
State: FL

Complaint narrative:
called my stepmom asked for me. My dad and I have same name. she told the collector her husband does not have an account they continued to give her last XXXX of my social and my current address she said that may be my step daughter and then they told her I owed over a XXXX dollar debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phillips & Cohen Associates, Ltd.
State: NY

Complaint narrative:
They are contacting me regarding my deceased Sister-in-Law of which I have no financial obligation to pay her debt

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have my account set up for electronic draft payment bi-weekly .There charging me late fees no fault of my own, tried to get this straightened out several times. Also submitting principal only payments using mail in coupons using the additional principal only box and they are not being applied for principal only. They allow for both bi-weekly and principal only.

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 2016-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC.
State: OR

Complaint narrative:
I sought student loan rehabilitation and ECMC stated that I could rehab for 5 % of income/month. I filled out their application and in the fine print in the contract ECMC states that the outstanding balance and collection costs would be capitalized and monthly payments would be based on the recalculated principle and interest balance at time of rehabilitation up to 16 %. I wrote back to the representative and stated that I was going to have a third party look at the contract and would get back to them. While I was seeking third party help ECMC went to court and obtained a garnishment for 15 % of my paycheck. 
I was ready to rehab my SL and started the process to do so. What can I do to reverse this decision and rehab with the XXXX? 
These student loans were borrowed for matriculation thru the XXXX from XXXX. The school has since closed. 
Thank You for your consideration, XXXX XXXX XXXXXXXXXXXX

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 2016-05-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Lender has set a foreclosure sale date during short sale review process. Short sale was submitted for review. DiTech mis-assigned the file and changed systems which created delays. Alleged correspondence from DiTech requesting additional documents never received. Although this is in loss mitigation review, DiTech has now scheduled a sale date and refused to postpone to review for short sale.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
i was concerned for my taxes this year on my home i called ditech financial whom is my mortgage lender and they had told me that it would be over XXXX dollars for my mortgage if i was to add my taxes so i said no thanks i would pay them out of pocket and now i was to find out that ditech paid my taxes even though i gave them no written or verbal consent to do so,, when i called to ask why my mortgage had exploded to over XXXX dollars this month they told me that they had paid my house taxes for the city of XXXX, ,but i had already paid them out of my pocket for the year which was XXXX dollars,, now im begin told that XXXX had called ditech to get my taxes paid but when i called fannie mae they said they have no record of that nor would they do that because it would be illegal to do so,, so ditech lied to me about my house taxes and why they paid them after i had already paid them out of pocket and lied and used fannie mae as an excuse. my husband and i are on a fixed income him being a veteran from XXXX in XXXX and im a XXXX that just recently had XXXX,, they did this without my consent and now im told ill have to pay XXXX dollars to close the escrow account and get my mortgage back to the XXXX it was every month, my husband and i cant live like this we never asked them to pay our taxes and we can not afford the balloon payments they are asking now and we had a fixed rate before, they did this to a XXXX couple on fixed incomes and our family has owned this home for over three generations over 79 years we have always paid our bills on time and owe no one anything we dont even use credit cards because we are afraid of going over our limits .not to mention that since we had our ditech loan we have only been paying XXXX a month which they divide into XXXX for the principle and XXXX for the finance charges every month,, its not only the worst mortgage we could have ever had but we, my husband and i never asked for it we were sold to ditech from another mortgage company and did not want ditech to ever be involved with our mortgages because of their shady practices in the past. basically my husband and i were pushed into this without us ever being asked, and the worst is they have made changes to our mortgage without ever calling us or sending written consent to do do. my husband and i need help,, we are in XXXX maryand

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 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:
i was XXXX i am low income filled out charity pay to pay for it never recieved a bill and meade and associates have violated the law i believe they are listing XXXX info on my credit report i believe this is illegal also trying to collect a debt i dont owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Mortgage company is charging me for an unsubstantiated corporate advance for real estate taxes paid that were never paid by the mortgage company. I never even had an escrow with them. This is fraudulent. Requested copies of proof that they paid these amounts and to whom ( requested specifically cancelled checks ) - they ca n't prove they paid it and are unwilling to remove the corporate advance from the account. I can prove that I, and I alone, paid for all of my property taxes. Again, there has never been an escrow on my home which I have owned for 11 years now. How do I get the fraudulent amount removed from my account? I have proof that all property taxes have been paid via my personal bank accounts - I have receipts and cancelled checks, ACH transfers made from my accounts that proved I paid the real estate taxes and not them! Fraud, fraud, fraud! I have spent over 18 months trying to get this resolved but the customer service is non-existent - the agents are rude and clueless.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: BTH Management
State: VA

Complaint narrative:
I went to check my credit report and notice that Plaza services has put something on my report. I do not know what this is. I have not receive anything from this company saying that I owe anything. They should have sent me a letter letting me know who the creditor is so that I could have taken actions before it went on my report. They gave me no notice to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NH

Complaint narrative:
We have made 3 attempts to stop Ditech from removing escrow taxes from our automated monthly mortgage payment. We have had the mortgage since XX/XX/XXXX and have always paid our own taxes. Since XX/XX/XXXX payments in the amount of {$1100.00} have been removed from my bank account and we were told that they were paid to our local town for tax payment. We have made 3 attempts to have this stopped and have received XXXX different stories from Customer Service, although all XXXX have made the statement of " we do not know why we are taking escrow from you, you are setup as a non-escrow account. '' We have spent several hours each time on the phone being passed from one department to another and no one can offer any resolution to our issue. We were told that " they will begin removing even more money from our account due to a shortage they have regarding our escrow account '', which we never had! The tax department told us " they have no idea why we are having taxes removed from our account as we are listed as a non-escrow account ''. They also informed us " they have no idea why they show them as making payment to XXXX, NH '' regarding our account. As of XXXX XXXX, XXXX, NH has no record of receiving payment from Ditech. I will notify my bank today and stop automated payments to Ditech until they research and fix this issue and I will continue to research refinancing with another mortgage company. I researched this issue and also noticed from consumer affairs.org that their are another XXXX complaints regarding ditech, which has made me contact you, so others might be able to be helped.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
My mortgage loan was sold to Ditech approximately 12 months ago. Ever since Ditech has received my mortgage it has been a nightmare. I 'm bombarded with invoices once maybe twice a week. Before I am even delinquent there are phone calls and more mailings about getting current. I have had and currently have mortgages with other companies and have never experienced such a confusing and negative experience on an on-going basis before EVER. Unfortunately this is not just a one time event but reoccurring every month. If I do n't look carefully at my invoices and question the charges I would be paying many unnecessary fees. Again something I 've never experienced before with any other mortgage company. I believe Ditech intentionally makes their billing statements confusing to decipher and frightens people by threatening to foreclose on their mortgages when their mortgages are not in foreclosure status.

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