vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
A California attorney and/or debt collector by the name of XXXX sent a letter to my place of work indicating that she would be suing them on behalf of ECMC. She sent this letter on XX/XX/XXXX, and it was received on XX/XX/XXXX ( letter attached ). She indicated that she was going to sue the employer for a " debt '' that has already been dealt with by more than one complaint filed with the CFPB. She received immediate communication back on XX/XX/XXXX. In addition, ECMC had claimed that it had retained California attorney, XXXX to defend it against FDCPA claims. XXXX office was contacted, and they continued to claim that his law firm was handling the matter and that there should n't be another attorney. Without respect to the confusion that was caused, multiple email forwards were sent to XXXX indicating that I do not have any debts owed with ECMC. She was told that she was not to contact my place of employment via certified mail, telephone, email and facsimile. She was immediately sent documents indicating that there was no Administrative Wage Garnishment in effect and that there was, therefore, no potential claim against my employer. Nevertheless, she still contacted my place of employment on XX/XX/XXXX, emailed the CEO, and spoke with the CEO twice. She then claimed that she would also be contacting the payroll company. After receiving a Cease and Desist and Notice of Intent to Sue, as well as having complaints filed with the CFPB, ECMC and its agents have contacted my workplace a minimum of an additional seven times and have contacted my former college to attempt to obtain records. Unfortunately for them, the records of the college - which have parts blacked out by either ECMC or the college - reveal that I was fraudulently classified as a law student ( I never applied to law school, and I, therefore, certainly did not attend law school ) and show that I made direct payments to them. This corresponds with my own receipts for payment, which I ordered a hard drive reader to be able to produce for their former attorney, XXXX. ECMC - under threat of lawsuit - and with direct proof of fraud, will not stop. Not only that, this situation has become much worse because my work has been contacted more times now than before I filed with the CFPB, and I have had to research additional agencies to turn to to receive assistance. This is consuming unbelievable amounts of time, and there is no way to achieve a permanent solution. It is absolutely horrifying that you can have a debt collector create this much harm without anyone doing anything to stop them. They need to be put in jail, and this needs to be considered a crime punishable by jail time, because they have literally stolen my money and are attempting to do so again.

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 2017-02-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: WA

Complaint narrative:
I just logged on to a credit site to join and look at my report. I noticed something listed under " Deragatory ''. Looking further, I see a company, ( collection agency ), named " Syndicated Office Systems ''. XXXX or XXXX NY I believe. 
I went to check them out so I could get a phone number to call. 
I run across articles on how the Government just came down on them, and they were fined millions for what it appears has happened to me. Not making proper contact and allowing consumers to address any issue before it gets on their credit report. 

I was just amazed as they were in trouble in just 2015? 

So, a at age XXXX, I have XXXX bad item on my credit report. And get this, ... its for {$35.00}. Are you kidding me? 

Today was the first time I was aware it was there, and only because I went looking. 
I have never had any contact with these people. No letters, no calls, no emails, no work calls. 

What should be my next step or am I already included in the class action suit against them? 

Thank you so much. XXXX XXXXXXXXXXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I filed for XXXX XXXX Bankruptcy since XX/XX/XXXX which was discharged XX/XX/XXXX. During the bankruptcy period I was paying my first and and home equity line outside of the bankruptcy. XXXX XXXX XXXX Mortgage is my mortgage company which I had no issues with ; they sent me " informational statements '' each month which kept me informed of balance interest etc. However Green Tree never sent me informational statements although I had requested many times. I was always promised they would come but time and time again did not receive. Even now after a year since my Bankruptcy has been discharged I have not got XXXX statement. I was never informed Green Tree is now Ditech Financial LLC. I realized after receiving my Form XXXX Mortgage Interest Statement in XXXX XXXX and XXXX Green Tree to determine Green Tree is now Ditech. Both Green Tree and Ditech failed to provide me proper documents to inform me my loan was sold or transferred from Green Tree to Ditech. Both companies failed to comply with my request for informational statements while in Chapter XXXX. Both companies failed to provide monthly statement of my balance, monthly payment amount, interest I am paying ( adjustable ) verification of payments received and loan balance even after my repeated request. 
With out knowing my current current interest amount I was unsure if getting a personal loan would be beneficial. Ditech Financial LLC ( formerly Green Tree ) has caused me much time and stress. As of today, 1 year since the discharge of my Bankruptcy I still have not received a Statement.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
GreenTree sold our mortgage to ditech after my father passed away 10 years ago. They chane our payment rates, have us late every month, and refuse to transfer ownership via probate order. Now they are refusing to take any payment from us.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I received a call today from XXXX at DITECH on Thursday, XXXX XXXX, 2016 that my XXXX XXXX, 2016 payment had not been received. I checked with my bank and verified that the automatic payment was sent and the funds were deducted from my account on XXXX XXXX, 2016 the same way that it had been done for years. I told XXXX that I could have my bank contact her. She suggested that I make the payment again while they " tried to find the original payment ''. I talked to her supervisor, XXXX XXXX, and he said that they would track the original payment and contact me within " XXXX hours ''. No one contacted me. So I called on, XXXX XXXX, 2016 at XXXX and they said that they would have to have XXXX call me back. I waited the entire day and she did not call. So at XXXX, I called for XXXX and I was curtly told to hold for her. I waited ten minutes with dead silence and no one responded. I called back at XXXX and the auto message said that there is no one there to help me. On XXXX XXXX, 2016 I spoke to a customer service supervisor, XXXX XXXX. He said that after they had changed all of the account numbers and that it was " a mess ''. But, he promised that my payment would be properly credited by XXXX XXXX, 2016. He also promised to reverse the late charge and to send me an email telling me what had happened. I checked on XXXX XXXX, 2016 and nothing had been done. On XXXX XXXX, 2016 I left a voice mail message for XXXX XXXX. No response. On XXXX XXXX, 2016 I left another voice mail message. No response. Today I received a call from XXXX in the collections department that my XXXX XXXX, 2016 payment was past due. I told her about everything that had happened. She said that she would check into it. Her contact number is XXXX XXXX XXXX. I have also received a collections letter and a statement indicating the past due amount and the late charge.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
I noticed that the principal owing is $ a little over a {$1000.00} More than when Greentree was servicing my loan, in addition the late fees are wrong, the dates that the company says amounts were credited is wrong, interest rate appears to be wrong, at 9.925 % the company charges {$19.00} to pay by phone it will not except any amount other than what their website says is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
We had a XXXX loan with a company called " Greentree '' XX/XX/XXXX. This was sold by XXXX XXXX XXXX. Due to fraud and misrepresentation of this bank, we were forced to request for loan modification. As the result the Greentree froze the account and kept the balance to {$100000.00} Subsequently, on XX/XX/XXXX we sold the property and paid of all the loans in full in a escow account. Now, we have been trying to re-finance our current property and again, a company called, " Ditech Financial LLC '' which is the same company as Greentree fraudulently reporting a {$150000.00} second mortgage to credit agencies. In addition, this company sold the account to another company called " XXXX '' and added another negative item in our credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I have owned a condominium development for about 20 years. I have decided to convert the affected property back to private ownership. To do this I must get the approval of all people who have bought parcels and their mortgagers. I have gotten the approval of the only person that purchased a lot but when I or my lawyer or the mortgagee has tried to contact the mortgage company they get no response. The company was originally Greentree but is now Ditech. They are a national company and whenever we call we speak to a person in a different part of the country. If we leave a message they do not return our calls. We have sent them a form that if signed would complete the transaction but we never heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MT

Complaint narrative:
Ditech added a building master policy to my single condo account in XXXX even though my HOA has covered the group master policy for the outside of the building since I have lived there. Ditech keeps asking to fax various forms so I comply and send them what they ask for. I then contact the company again after sending document after document and then the rep tells me I will be credited in 3-5 days. Then today I received an email saying they do n't have my master policy again. I called them and then they tell my they need proof of insurance and want the master policy. I told them it 's in there system then they tell me well they actually need XXXX policy even though the fraudulent charges were all from this year. I track down the old policy and send it to them anyway. Then I call back I get told that it 's on my account now. I ask about credit for the charges which should not have been on my bill. Now they are saying that I just have to wait 1-2 billing cycles and then I will receive credit. I ask them for how much and then they say they can not see the information and each rep just continues to transfer me to the next department and will not help me. My condo is going to forclose and its because ditech has put fraudulent charges on my account and will not remove them even though I provided them with every document they have asked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I had a long-time FHA home loan with XXXX XXXX XXXX with no problems. I had a perfect payment history. Unknown to me, the loan was transferred to a servicing company called Green Tree. Apparently, XXXX XXXX XXXX at first was forwarding to Green Tree the payments I continued sending to XXXX XXXX XXXX. Over a year ago, unknown to me, XXXX XXXX XXXX stopped forwarding my payments to Green Tree, did not tell me and I then received letters from Green Tree ( I thought these were " junk mail '' ). Eventually, I opened one and it stating my mortgage was in default. This was quite a surprise to me since I was sending my payments to XXXX XXXX XXXX. I had to pay a large penalty and foreclosure fees. Green Tree did not send statements to me, or payment coupons, or information about where to send payments, even after my repeated requests. I then sent payments to the address listed on their website, which they stated was the wrong address. Although Green Tree did cash some of the checks, they did returned some others. They claimed there were penalties owed, which I disputed. Now Ditech has the loan ( I do n't know when that happened or if that is a sister company of this Green Tree entity ). They are attempting to foreclose a second time. Ditech is now trying to foreclose.They have ruined my credit due to their fraudulent acts. I am a XXXX, and this matter is effecting my health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
An unknown representative from Financial Credit Network called my cell phone and left a voicemail asking for a return call. She did not state her name, the company she was with or that she was attempting to collect a debt. I have a no-call agreement with FCN because I have a recurring payment plan set up to pay the debt and am current in doing so. The call XXXX are unnecessary and borderline harassment. I had to XXXX the return phone number to find out it was Financial Credit Network who had called.

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 2016-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
After making on time monthly payments, DiTech has decided to report me XXXX payments late to the credit bureaus. In addition, they continue to state i owe monies that i do not know. they claim it is due to escrow shortage however, my escrow statement from XXXX/XXXX/16 shows an overage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
In XXXX 2016 I requested and received a payoff letter from XXXX for the mortgage on my home in XXXX XXXX XXXX Florida. I received a payoff letter dated XXXX XXXX, 2016 that indicated a payoff amount of {$210000.00} valid through XXXX XXXX. I wired {$210000.00} from my account at XXXX in XXXX on XXXX XXXX to XXXX XXXX as directed by the payoff letter referencing my mortgage account as the beneficiary of the wire.I then waited for the payment to be processed and the mortgage released. Instead of a release of my mortgage I received a letter from Ditech Financial dated XXXX XXXX indicating I owed Ditech Financial an additional {$750.00} for a shortage. I paid the amount required by XXXX. 
Apparently XXXX sold my mortgage to Ditech and nevertheless issued the payoff letter indicating the amount due. XXXX acknowledges the receipt of my funds on in full on XXXX XXXX. XXXX has repeatedly indicated they can not help and refer me to Ditech. I have called Ditech repeatedly over the ensuing months explaining my situation sending copies of the payoff letter and wire confirmation and do not ever get a return call or any help what so ever. 
Most alarmingly Ditech has now put me in default and threatens foreclosure. I NEED HELP!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
I was denied a modification on my loan twice. After paying the application fee, providing all the documents requested. I was threaten about losing my home .Had to struggle to make my monthly payments, was told could not help. Threaten foreclosure had to take more loans and further get into debt. Felt like l was being bullied or force no matter what.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
On XX/XX/2016, I used online bill pay through the University of XXXX XXXX and accidentally sent my XX/XX/XXXX mortgage payment of {$1800.00} to Ditech, the mortgage company that previously held my loan. My loan was transferred from Ditech to XXXX Mortgage in XXXX. Ditech cashed my check and I was not aware that I had made an error in payment until I received a letter from XXXX Mortgage on XX/XX/2016 stating that they had not yet received my XX/XX/XXXX payment. I reviewed my online bank account transactions and discovered my error. I contacted XXXX Mortgage right away and explained my error and sent them proof of my on time payment and error. I also contacted Ditech who originally told me that the money was transferred to XXXX Mortgage on XXXX or XXXX and that XXXX Mortgage should be receiving shortly. As of today, XX/XX/2016, XXXX Mortgage still has not received any transferred money from Ditech. Ditech has now told me that they transferred the money on XX/XX/2016. Each time I call Ditech I get different information and no one is able to provide proof that the funds have been sent to XXXX Mortgage. I am incredibly frustrated and feel that Ditech has stolen {$1800.00} from me and are causing harm to me by not releasing the funds to XXXX Mortgage and they are creating a domino effect of issues on my current mortgage and XXXX be negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: World Acceptance Corporation
State: TX

Complaint narrative:
i owe this finance company and I have never told them I will not pay, its just my financial situation is not very good and have not been able to pay them and they keep harassing me to my work and calling me from different numbers leaving messages without identifying who they are. they have also threatened to come to my job

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services
State: UT

Complaint narrative:
on XXXX/XXXX/XXXX ACS did a direct Consolidated Subsized and unsubsized loan replacing our FFEL consolidated loan from XX/XX/XXXX. 30 days later it reverted back, with ACS to a FFEL consolidated loan. We have been paying on this loan for over 10 years now with ACS unware, and assuming it was a direct consolidation loan. We have since applied for Public Service Forgiveness to find that it was only a Direct Loan from XX/XX/XXXX-XX/XX/XXXX ... less than 2 months. We have NO IDEA WHY? We do not qualify for forgiveness or can not use our 120 payments because it was never a Direct Loan consolidation. Know one can seem to explain to us why it reverted back 60 days later. This error, or change will cost us dearly. Please refer to attachments to see our payments and the Consolidation history on our Financial Aid summary and how we this can be remedied. We qualify in every other aspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BlueChip Financial
State: WA

Complaint narrative:
Collector Spotlaon called threatening appearance before a Judge and an arrest warrant.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
In XXXX of XXXX, we notified XXXX XXXX XXXX that we were abandoning our home due to job loss and relocation. We filed for Chpt XXXX bankruptcy. The bankruptcy was discharged in XXXX of XXXX. XXXX filed for exemption from the bankrupcy. We listed the property for sale after coming to agreement with XXXX for a short sale. We received a full cash offer for the home at the appraisal price. XXXX then sold the loan to Penny Mac. Since XXXX of this year we have provided paperwork to Penny Mac to again initiate and seek approval for the short sale to the same buyers. We are now receiving collection letters from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ - the letter asks for XXXX and says " Your creditor is XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation