vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: National Credit Adjusters, LLC
State: IN

Complaint narrative:
COLLECTORE KEPT CALLING MY WORK, CELL AND HUSBANDS CELL AND HOME, STATING IF WE CO N'T PAY WILL BE FINED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery Systems is attempting to collect on behalf of XXXX. This is a FRAUDULENT claim on my credit report. This is NOT my loan/charge. Midwest Recovery has not provided proof and continues to claim the information on my XXXX credit report is correct ; it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
I started a refinance with Paramount Equity in California on XXXX XXXX. It is now XXXX XXXX and they keep stalling about the settlement. They told me 4 weeks and 2 weeks ago that I would have it settled by now. I have not heard from my worker and suddenly I have an email that I have to have another appraisal. I have no explanation about what this is about. 

I have immediately sent them any papers they requested. The only thing that I was late on was my income tax. My income is so low that the tax preparer told me that I would not have to do an income tax since it does not vary. Anyway, I immediately filed the income tax. I finally got a copy of it and sent it to the person handling the case then. She said she did not get a copy. Then she said she did not get a copy from IRS. 

The above incident took time. I contacted the woman who sent me my return at IRS. Still nothing was sent to this woman at Paramount. I did not hear anything more from her so I assumed she had obtained the Tax return. Valuable time was lost because of this. I eventually went to my Congressman, XXXX XXXX. He got the tax return. 

They sent me a letter saying they were denying my refinancing. After I complained to the organization itself, they wanted to work with me again. They said they did not need my tax return. It sounds like they might have lost the tax return. 

They promised me they would settle today. Instead I get a request from a person to call them to have another appraisal done. The last appraisal cost {$400.00} dollars that I borrowed from my son. I paid XXXX dollars to have my house cleaned as then I had a XXXX XXXX. 
I can not afford XXXX dollars now. If they had worked consistently and gave good customer service, it would have been done by now. We probably would not have needed the appraisal. 

They told me that I could get a cash out of XXXX XXXX and XXXX XXXX to cover my debts. Then two weeks later another person calls me and said no way I could get a cash out as my debt to earnings ratio is not great. 

I expected this to be over by XXXX at least. By that time I would have my debts paid and able to live on my income. I had to take out XXXX other credit cards as I was not able to live on my income because I had to pay debts. 

I have asked Paramount Equity and the whole list of people I have worked with : XXXX XXXX, XXXX XXXX, XXXX XXXX, and now XXXX XXXX to let me know what is going on and do not leave me stranded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My husband got hurt at work 3 years ago. We have had a hard time keeping up with payments. I have started to work to help out but our payments are behind. We dont dispute that we are doing the best we can and are almost back up to date on payments. The problem is that they will call us XXXX times a day when they know we are at work and not able to answer or phones. When we do answer the phone they are always rude and telling us how what we are doing is not good enough and we just need to move out. We have been told many time that they are about to forclose and they leave this on my husbands voice mail after we told them he didnt have that number any more in hopes to cut down the calls to his number. It has got to the point that we dont want to answer the phone at all to talk with them just to be told we are not good enough and that sending our whole paychecks in to them isnt good enough. The company is Ditech. If there is something that can be done please help us. We are at our wits end with them.

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 2015-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Green Tree Servicing is a horrible company to deal with for loan servicing. Every time I call in I get a different answer to the same question. In addition, their staff must be trained to speak as though they are superior to the consumer. I was transferred to this company via my mortgage company without my knowledge and against my will. I was originally with XXXX XXXX and they were absolutely fantastic to deal with. No hidden fees and payments could be made online without extra charges. Green Tree offers no such options to the consumer. If you want to make a payment electronically, you have to pay a minimum {$12.00} fee. This is passed off as a convenience fee. Convenient to who? Electronic payments are a favor to them not to me. I have no problem sending them a paper check and making them work for that money. It 's terrible that they treat customers, especially new ones, like they are doing me some sort of favor for servicing my loan. XXXX knows, servicing companies come a dime-a-dozen. Hopefully my complaint to my mortgage company will offer me the opportunity to choose another servicing company. If I have to complain every day to someone to get this account moved then so be it. If anyone has a choice for a servicing company, think twice and do your research before you choose Green Tree.

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

Complaint narrative:
I built a home in XXXX of XXXX my escrow taxes that year was like {$97.00} and something I was told to put extra money to my escrow account the later for the next 6 months I receive a payment booklet from Greentree stating that my annual payment will be {$1200.00} and some change in XXXX of XXXX I received the escrow refund check of XXXX I asked him was this correct they told me go ahead and spend it everything 's right they 're not responsible keeping anything over 3 years went by I find receive my first in annual escrow disclosure statement and it shows that now I 'm behind XXXX {$3.00} XXXX Greentree has changed its name to Ditech. My mortgage principal and interest isXXXXXXXX escrow isXXXXXXXX in the beginning. New payment Effective as XXXX/XXXX/XXXX is principal and interest XXXX Escrow is XXXX Escrow shortage fee XXXX for next 48 months bringing my new mortgage to XXXX. This should never happen and it should have never took them 3 years to figure this out.

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 2017-03-02 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BTH Management
State: TX

Complaint narrative:
Plaza Services is reporting a collection on my credit reports for a " XXXX XXXX XXXX '' payday loan claiming it was opened XX/XX/XXXX for the amount of {$210.00}. I have not had a payday loan since XX/XX/XXXX and it was paid. They have refused to VERIFY the debt. Or this is so very beyond the statute of limitations in Texas.

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 2016-08-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Having qualified for a {$5000.00} " pay-for-performance '' Home Affordable Modification Program principal reduction, I filled out and promptly returned the appropriate Dodd-Frank certification form XXXX provided by my loan servicer by certified mail. I retain the company 's representative 's signed and dated return receipt as proof that the form was delivered within the time period allowed for applying to receive the incentive. I became eligible for this incentive on XXXX XXXX, XXXX, however, my account was not credited until XXXX XXXX, XXXX. After subsequent phone calls to the service provider to inquire why I had n't received the {$5000.00} principal reduction in a timely manner, I was informed by the loan servicer on several occassions that it had yet to receive payment from the U.S. Treasury. The issue was not addressed by the loan servicer until I contacted the Housing Council on XXXX XXXX, XXXX to ask for help resolving this dispute for non-payment of incentive. The loan servicer sent me a letter dated XXXX XXXX, XXXX stating it was conducting research on the dispute. A subsequent letter from the loan servicer dated XXXX XXXX, XXXX stated, " Unfortunately, the Form XXXX you returned last fall was misidentified upon its receipt. Consequently, its receipt was not reported to the US Treasury, which caused the Year 6 incentive not to be paid by the government ... we apologize for any dissatisfaction this matter has caused. '' How is it possible to misidentify this FORM XXXX? I allege that the servicer was grossly negligent in its processing, and believe that this company willfully committed fraud for financial gain by preventing me for eight months to recast my loan, thus lowering the loan principal which would have resulted in less interest paid to the lender. Furthermore, I was further harmed by having to wait for the principal reduction because during that period of time, I could have taken advantage of lower interest rates by refinancing this loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12 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: Meade & Associates, Inc.
State: OH

Complaint narrative:
I submitted this to the CFPB about 6 months ago. Case No. XXXX. As a result the debt collection company, Meade & Associates, responded that the original alleged creditor had " requested that the account be closed '' because it was " sent in error. " Now Meade & Associates are sending me threatening letters again demanding payment for this same account even though I sent Meade copies of their correspondence to me closing the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
My mortgage servicer is Ditech Financial LLC, and this is a complaint against them. 

I filed for XXXX bankruptcy approximately XXXX years ago and the bankruptcy was successfully XXXX in XX/XX/2015. In spite of this, Ditech still has my mortgage account listed under bankruptcy status, which means my home loan, which I 've paid faithfully since filing for bankruptcy, does not even show up on my credit report. It also means that I receive only " informational '' mortgage statements every month from Ditech - these list only the monthly mortgage amount owed and do not contain other detailed information on my home loan, such as the balance, etc. 

I have tried to resolve this issue multiple times in the last few months by contacting Ditech at XXXX. Every time I call, I am routed to XXXX XXXX XXXX who acknowledges that my account needs to be " recoded '' to reflect the successful discharge of my bankruptcy more than XXXX year ago so that my credit report can be updated and full monthly statements can be resumed. Staff then explains that only Ditech can do this recoding and " elevates '' the issue to Ditech so that they can take care of it. 

As of today, my request has been elevated to Ditech XXXX TIMES ( over the period of a few months ) and they have yet to respond and recode my account. 

I am at a loss for what else I can do at this point and I 'm hoping that Ditech will resolve the issue upon hearing from you, as my continued attempts have obviously been ineffective. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
I purchased on home in XX/XX/XXXX that had a 1st and 2nd mortgage. In XX/XX/XXXX unfortunately we tried to do a deed in lieu of foreclosure. It was approved by the first mortgage holder XXXX XXXX XXXX and they offered Green Tree Servicing XXXX XXXX XXXX XXXX XXXX {$6000.00} to release the lien. They requested documentation and all requested bank statements, etc was sent over multiple months. Eventually XXXX cancelled the Deed in lieu because of the delay with Green Tree and ended up foreclosing on the property. I received a phone call from Green Tree months after the foreclosure saying they would like to settle the account for {$6500.00} with no need to send in any documentation. I did not have the funds to settle and I asked why they did not take the offer when XXXX made it to settle and the response was that Green Tree is slow in responding ( which should be unacceptable in these situations XXXX. I submitted a letter to Green Tree offering to settle the account for {$3000.00} which my daughter was providing to me. I sent 2 cashier 's checks ( {$2000.00} and {$1000.00} XXXX at different intervals ( back to back months XXXX. We did not hear from Green Treee after that until recently when I am being sued for the full amount. These practices should not be allowed to occur. Because I had to retire from work, I lost my house. XXXX offered to pay the settlement to Green Tree and because of the procrastination by Green Tree, I ended up having to foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I received XXXX different letters from a company called Debt Recovery Solutions LLC ( XXXX ) with a name of the recovery specialist XXXX XXXX and each letter states that I owe {$100.00}. I thought was the same letter but repeat, when I called to pay the rude people that answered the phone never gives the specifici information and they only say that I have XXXX differn accounts that I owe for XXXX hospital when my debt with the hospital was only aprox. {$100.00} ( and I have trhe proof ). The person mention in the letter does not exist, that is what the last person that took my call said. The {$300.00} they are tring to collect is not true and this company nevers wants to be specific when I called and ask for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation
State: TN

Complaint narrative:
" Employees '' visit my house and argue with me for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Had a trial loan modification with Greentree in which payments were made. On XXXX/XXXX/15, Greentree sent Permanent Loan Modification document, which was due back by XXXX/XXXX/15. There was no mentioning that this document needed to be notarized. The only instructions were " To accept this offer and take advantage of this opportunity, you must sign and return the enclosed Agreement by XXXX/XXXX/15. '' The agreement was signed on XXXX/XXXX/15 and sent via regular mail to Greentree 's address at XXXX XXXX XXXX, XXXX, AZ. After sending back the signed modification, borrowers made a phone payment of the permanent loan modification amount on XXXX/XXXX/15 in the amount of {$1200.00}. The confirmation number was XXXX. Borrowers called back on XXXX/XXXX/15 to make the XXXX payment and Greentree said the loan was in foreclosure because the final loan modification documents were never received. Greentree has instructed the borrowers that they need to start the loan modification process all over. This is an abuse and we need help from the Consumer Financial Protection Bureau to enforce the permanent loan modification that we worked very hard to obtain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Innovis
State: MI

Complaint narrative:
numberous inquiries placed on credit report that were not authorized. numerous mortgage inquiries were not authorized and also the auto loan inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
My wife and I spoke to XXXX XXXX at Ditech, our current mortgage holder, about refinancing. We were hoping to lock in while rates were extremely low. I spoke to XXXX XXXX via email with several questions and was told to call him that evening, XX/XX/XXXX. I left a message and he did not reply. I left another message the next week. He never returned my calls. My wife left him an email the following week and again did not hear back. In the mean time, the rates have gone up a quarter of a point and it has cost me {$12000.00} on my amortized loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I received a notice from XXXX XXXX stating that my taxes were delinquent on parcel # XXXX. Ditech Financial is financing this property ( Loan # XXXX ) and receiving an escrow payment from me to pay taxes and insurance. Ditech did not pay the taxes and after contacting the tax department they said that the account was not set up correctly and they would pay the late fee. I informed them that there would also be penalties and additional interest if not paid by XXXX/XXXX/2016. They said they would pay the interest and penalties within 3 weeks, and to check back after that. I checked back after the specified 3 weeks, on XXXX/XXXX/2016. I was told that it had not been paid yet but that it would be paid on XXXX/XXXX/2016 and to call back on XXXX/XXXX/2016. I called back on XXXX in the morning and was told that they could n't have paid it by XXXX. They could not tell me when it would be paid. I asked who I could speak to that would be able to answer my request. He told me he could transfer me to the supervisor. The phone he forwarded me to went immediately to voice mail, so I left a message. I also sent an email to a general Ditech customer service location. 
I did n't really want to file a complaint, so in desperation I attempted to call Ditech tax department to receive some sort of answer to my query. She could not give me even an approximate date of when the taxes might be paid. 
It is now the evening of XXXX and no one has contacted me so I am left to hoping that I might receive some response through this venue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I filed a complaint with the necessary appended documents against Ditech on XX/XX/XXXX with CFPB and it is case number XXXX. On XX/XX/XXXX Dietech responded to the complaint in an unsatisfactory fashion. I expect to know when I will get clear title to my property, a detailed accounting of my escrow account and evidence that my credit history is clear of anything related to Ditech. I paid my mortgage off XX/XX/XXXX and this is still open. The contact telephone number given by Ditech allows only for a recorded message to be left. Once again they are avoiding any contact with clients.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GMA Investments, LLC
State: CA

Complaint narrative:
I am receiving calls from " Summit Receivables ''. Their phone number is XXXX. I do n't answer these calls because I believe them to be fraudulent. A woman leaves a message on my voicemail stating that I spoke with someone in a different department and left a negative impression, so things do n't look good for me. She also says she does n't have much time to resolve my debt issue and that she 'd appreciate a prompt call back. She says this is an attempt to collect a debt. 
I have n't spoken to anyone at Summit Receivables. I do n't have any outstanding debts. I have a good credit rating and I check my credit report with a service every three months. I hope something can be done about this terrible company!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed