vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I am behind in my house payments and have applied for a loan modification repayment plan. 
Green Tree has blocked my account number and phone number. I have not been able to contact them since XXXX/XXXX/15. As soon as the system recognizes me I am told the extension entered is invalid. I do n't enter an extension. At first they had my account number blocked and I figured out how to reach them without the account number, then they blocked my phone number as well. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
After finding additional information, I 'd like to revise my earlier complaints ( XXXX and XXXX ). Green Tree 's reporting of incorrect information on my current credit reports at all XXXX agencies is worse than I thought. On my current credit report, they have incorrectly reported the date of last activity and the account closed date. Those listed on the attached XXXX report from 2010 provide the correct dates. I believe Green Tree is willingly and knowingly reporting incorrect information to the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
Asked for a loan modification from greentree servicing.Was denied the modification because I got a loanfrom XXXX at a 10.5 percent was told we would be able to refi in 5 yrs. This company XXXX XXXX and XXXX XXXX are all owned by XXXX XXXX. I would advise anyonethinking of dealing with any of these companies to run and run fast the other way. They are nothingbut predatory lenders. I pay more for 120,000 dollar house than my friends do for a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Greentree mortgage never offered a pre-loss mitigation trial. They just took me directly to foreclosure. Refused to negotiate with my attorney who quit on with-out my knowledge. They refused to remove forced place insurance even after i provided proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Innovis
State: CA

Complaint narrative:
During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that INNOVIS DATA SOLUTIONS has an IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that has a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
INNOVIS DATA SOLUTIONS IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS during the time of bankruptcy filing and bankruptcy dismissal and did not RESUME my ACTIVE MONTHLY MORTGAGE PAYMENTS TO XXXX UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT AND DID NOT RESUME UNTIL XXXX. 
INNOVIS DATA SOLUTIONS IN-HOUSE POLICY HAS FAR REACHING RAMIFICATION AGAINST ALL CONSUMERS WHO MAY HAVE FILED BANKRUPTCY AND WERE ABLE TO HOLD ON TO THEIR PROPERTIES, THEIR MORTGAGE HISTORY SHOULD NOT BE WIPED OUT COMPLETELY AND INNOVIS DATA SOLUTIONS SHOULD STOP VIOLATING ALL CONSUMERS 5TH AND 14TH AMENDMENT RIGHTS! AS WELL AS STOP DAMAGING MY CREDIT WORTHINESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Called Ditech about putting {$50000.00} towards my principal. Was told I could do it over the phone but would have to do XXXX electronic transfers of {$10000.00} dollars each. I agreed and make it very clear that the money was to go toward principal and that the money was to be taken from my savings account. The transfers were made and the next day I received an email from my credit union showing that I owed {$140.00} in NSF fees. The first transaction of {$10000.00} was taken from my saving account went through without any problems. But the next XXXX transaction of {$10000.00} did not go through because Ditech made a mistake and tried to take it out of my checking account. 
Ditech has admitted the error and they keep apologizing and say they are going to reimburse me, but the money never comes. Instead Ditech sends me a nasty letter saying they are charging me {$100.00} because the transactions did not go through. Ditech admits their mistake and then charges me {$100.00}. I am out {$240.00} for Ditech 's mistake. 
I have talked with 12 different people at Ditech including 3 supervisors and still do n't have my money. Ditech uses the old term " THE CHECK IS IN THE MAIL ''. I have gotten 14 pieces of mail from Ditech but no check. 

After telling me " THE CHECK IS IN THE MAIL '' I received a notice that {$140.00} was deposited into my savings account. It was another lie, the money is not in my savings account and when I call them they have no answers. 
Mortgage companies need to me held accountable and should not be allowed to operate like this.

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 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
The following account debt was dismissed by the courts with documentation, but Collection Company is still aggressively attacking credit bureaus with constant adverse credit report scouring. This account was a joint account with my XXXX year old mother who had perfect credit, but now it`s ruin because they constantly report this collection to the credit bureaus in a very negative way. This excessive negative reporting is interfering with me purchasing a home. Thank you for your help and support. 

Fair Collections and Outsourcing XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Account # : XXXX Balance Stated : {$4400.00}

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 2016-03-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: The Affiliated Group, Inc
State: CA

Complaint narrative:
This collection company was contracted by XXXX XXXX to continue collecting and listing the 'debt ' on my credit report although I have underwent the process of shameful bankruptcy. The Federal court has already discharged my debts but this company still listed the collection on my credit report. I saw this in my Experian report and I am sure it is the same for the other XXXX.

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 2016-08-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied and was approved for a {$40000.00} vehicle loan and PenFed completely mishandled my account to the point of my suspecting intentional manipulation. Pentagon had my {$40000.00} loan approved for application # XXXX. I corresponded with one of PenFed 's agents on the phone and he informed me that all I needed to do was submit my purchase order via fax and my loan for {$40000.00} would be approved. I thought the extra {$700.00} was odd, but I suspected it had to do with filing fees, etc. It turns out that they denied my loan the next day because the original loan amount was {$40000.00} and I increased the amount by {$700.00}. This was ridiculous for XXXX XXXX XXXX denying my loan for the additional {$700.00} on a total initial loan amount of {$40000.00} is absurd 2. A PENFED AGENT recommended the new loan amount and thus intentionally manipulated the situation into a denial. The other agents-Dylan ID # XXXX and XXXX ID # XXXX were completely incompetent while handling my situation. I now do not have the financing I need to purchase my vehicle and may lose the deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Continental Finance Company, LLC
State: AL

Complaint narrative:
XXXX keeps calling me in reference to a Verve Mastercard financed through Continental Finance. The representative are very rude and demanding. They threatened you with charges if you do n't pay the bill but refuse to send any documentation by mail. They demand that you give them your debit card information over the phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
Also violating FDCPA by reporting a closed account as " open '' thereby negatively impacting my credit score. Firm refuses to remove inaccurate offending data reporting from my credit file after repeated communications form me demanding same.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I 'm writing because I am veteran with a VA home loan from New American Funding and I am on my second attempt to get a loan modification to keep my home. I fell into a financial situation where I can not keep up with my mortgage payment. I contacted my lender for help and was advised to do a loan modification. During this process, I was also advised to not make any full or partial mortgage payments. We were also lead to believe that we were going to get the loan modification. After months of submitting papers and documents requested and almost XXXX XXXX XXXX in the hole, we were denied and our home was put in foreclosure. Had we been able to make full or partial mortgage payments, we would not be almost XXXX XXXX XXXX in the hole. We were very fortunate to get help from Keep Your Home California, they were able to help us reinstate our mortgage. I was also told by my lender to make a second attempt at the loan modification. Again, I have cooperated and submitted everything that has been asked of my wife & I. Here we are months later and I have not heard anything. We feel like our lender set us up for failure and had or has no intentions of helping us out at this point. We have tried to get our home refinanced through another lender, but no one will touch us because our credit scores have plummeted through this whole process. We are very unhappy with our lender, New American Funding, because of the lack of help and advice they have provided. We have XXXX kids and XXXX on the way and we do not want to lose our home. We do not want to sale our home and have to look for another one. As stated earlier, we would not qualify do to our credit scores to buy another home either. My wife and I just want our lender to help us and give us positive options so that we can stay in our home. We are not asking to cut our mortgage payment in half or to be excused from making payments, we just need some help by getting a lower mortgage payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
i am being garished out of my payroll 25 % very two weeks i can '' t keep up. Gurstel Chargo ( attorneys at law ) have my student loan looking like a Child support case to the courts in STATE OF ARIZONA, XX/XX/XXXX OF EACH MONTH, I PAYED XXXX. XXXX A MONTH UP UNTIL XX/XX/XXXX THEN THEY WANT XXXX SO PLEASE HELP US I CAN '' T PAY MY OTHER DEBT BECAUSE OF THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Original account was purchased by XXXX XXXX XXXX XXXX and they did not provide validation of debt. Attempted numerous attempts to get validation of the debt and was never provided validation of said debt. XXXX closed there doors and was purchased by another company named Resurgent Capital Services located in XXXX SC. The said debt has been reported to the credit reporting agencies with inaccurate information stating opened XX/XX/XXXX and the original delinquency was in XX/XX/XXXX. Requested a Cease and Desist verbally and the agent refused to acknowledge stating that they only acknowledge cease and desist in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I sent you a complaint back in XXXX/XXXX/XXXX case # XXXX reguarding Central Mortgage Company. 
of course their reply was all lies as they did back in XXXX. I was told to miss paymentss told to miss payments until a re-fianc or Modification could be reviewed and signed off. Instead they used late payments against me and foreclosed on my property. They even had it on the market before anything was settled. I now only have until XXXX XXXX, XXXX to get justice They owe me what they sold my house for. I want your help to get me justice. 
Thank You XXXX 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 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
We received a notice that our monthly mortgage payment would increase by {$100.00} in XX/XX/2017 due to escrow balance being short. This is not the first time that we have received a notice like this. FNB noted in the documents that we could either pay the entire shortage of {$1700.00} or our monthly payment would increase by the {$100.00}. We are already stretched to the limit. The increase in payments happened as well when we had our mortgage with XXXX ( purchased by FNB ). Our original payment with XXXX ( purchased by FNB ) went to {$1600.00} per month. I went to XXXX and we modified through HARP program. Two years later we modified due to hardship as we fell behind because my husband loss his job. Our modified loan has a 40 year term and the interest rate is lower but our term is stretched longer with a still high payment. I will be XXXX when it is paid off. FNB gave us two weeks to sign papers and get them back or the alternative was immediate foreclosure. I was never sent a copy of the paperwork. This latest notice is just the icing on the cake. We are still struggling.

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 2016-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
LVNV funding/Resurgent Capital Services is attempting to collect on XXXX different debts which are now expired past the seven years. I have sent them a letter warning them if it is not removed from my credit report since they are reporting it fraudulently to my credit report, then I am taking them to small claims court. They ignored my letter. 

It is XXXX XXXX that owns XXXX companies. They intentionally go after low income people and then harass them. I did n't even give them my new address. 

They hit my credit info to find out my new address and sent me a letter demanding the full amount of which has been quadrupled from the regular amount of the original creditor. They refused to give me their phone number because they believe that it will make it harder for me to serve them. 

I have given them until XX/XX/XXXX to respond or I am filing in the state of New Hampshire in small claims and I WILL cost them more than the debt is worth. 

***Additional note to add. I forgot to include this I believe with my previous complaint against LVNV Funding/Resurgent Capital Services. It is my belief that the Sherman Financial group LLC owns all XXXX of these companies and operates them as shell companies. 

I wish I had known back in 2008 when I let these companies hook me into taking their cards out that they would NEVER let me escape them. That they would just wait until the seven years expired then just pile it back on using one of their shell companies. If you do n't believe me just google the company names and see how many lives they have ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I had a XXXX Credit card that was included in a discharged bankruptcy. I accidentally made a payment to that closed account through online banking. I am XXXX and sometimes have trouble with my eyes. After the money was taken from my account I spoke to the bank and found out what happened. I immediately contacted XXXX and was told that Resurgent Capital Services was had the account. I contacted them and was told that they had not received the money from XXXX yet but that I would need to fax a refund request to them. The funds came out of my account on XXXX/XXXX/15 and I faxed my request for refund on XXXX/XXXX/15. I made numerous follow-up call checking the status of the refund. I was finally told that the funds were received from XXXX and that in order to process the refund that I need to fax proof that the funds had been taken out of my bank account. I faxed a copy of my bank statement showing the debit on XXXX/XXXX/15. I called back a few days later and was told that it had to be sent to a supervisor to process. I continued to call and was told that they would email the supervisor to follow up. On XXXX/XXXX/15 I called and was told that usually any payments received are considered voluntary payments and may not be refunded. I explained that I a m XXXX and on a limited income and that this was part of a bankruptcy that was discharged and that the debt was no longer owed and that I had received my form to show the bad debt on my taxes and that I would not make payment for a debt I no longer owed! I was to that a follow up email would be sent and to call back on XXXX/XXXX/15. I called back to find out when the refund would be made and was told that the supervisor said that it would be considered a voluntary payment unless I could prove that a third party made it. I asked to speak to the supervisor and was told that she was busy helping another customer but that she would send her an email letting her know that I would like to speak to her. I was transferred to a voice mail and left a request for a return call. I have not received a call back and based on the past 2 moths experience has no confidence that I will hear from anyone at the company. 
I have been mislead the entire time and forced to disclose my personal information in an effort to recover money that XXXX nor this company is entitled to as the debt has been charged off and cancelled by the discharged bankruptcy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I made a deposit to cover a withdrawal in XXXX XXXX. My account was withdrawn on XXXX XXXX. I received a XXXX overdraft fee. I called to have the fee removed and was told it was going to be forwarded to a local branch for review. I was advised to pay the overdraft free because they charge a fee for being overdrawn and I will continue to be charged fees while they complete my review. I asked to close my account and she was not able to do that either. Stated I needed to go into a local branch. The company is making it hard on consumers in order to continue to charge fees

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 monetary relief
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Michael G. Niles
State: OR

Complaint narrative:
Company named Executive Financial is repeatedly calling my personal phone regarding debt. They do not provide the name of the person they are calling for and I do not have any outstanding debt that would have been submitted to a collection agency. Several online complaints claim they have erroneous info and are phishing. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: PENTAGON FEDERAL CREDIT UNION
State: OR

Complaint narrative:
Case Subject : FAILURE TO PAY PROCEEDS IN A TIMELY MANNER Case Description : MY CD MATURED FRIDAY, XXXX/XXXX/2016. AS OF TODAY 'S MAIL, XXXX/XXXX/2016, I HAVE NOT RECEIVED MY MONEY. ON XX/XX/XXXX I CALLED THEM TO INQUIRE AND TO CLOSE MY ACCOUNT. ON XXXX/XXXX/2016, TODAY, I RECEIVED MY {$5.00} FOR CLOSING ACCOUNT DISPUTED AMOUNT : {$10000.00} DESIRED RESOLUTION : SANCTION OR FINE THEM. THEY HAVE OVER {$10000.00} O MY MONEY TO EARN INTEREST ON FOR THEM, NOT FOR ME.

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