vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
In XXXX, my husband filed for bankruptcy on some unsecured debt that was in his name only. We did not include our mortgage, and I was not a party to this bankruptcy filing. However, for the last 6 years, our mortgage company has flagged our account as " potential bankruptcy '', and refuses to report the status of our GOOD credit to the major credit bureaus. I have made repeated requests by both telephone and email, and have either received no response at all or been told that I have to a ) send a letter ( which I did via their online email portal - received no response twice ) and now b ) submit a copy of bankruptcy discharge via online portal which does not allow me to include any attachments to an email/online request. 
Previously, I had also contacted them to see if they would lower our interest rate - again using their online customer service portal. I had to send three separate messages over a period of 4 months. Each time I received a response saying they were reviewing my request by email, and even received a response by postal mail, but never got anything concrete until I finally indicated I was going to complain to state and federal authorities about their lack of responsiveness. Then I was told that I needed to contact a loan agent about refinancing. I do not wish to refinance my mortgage, I want to reduce my interest rate under HARP/HAMP. However, they will not even discuss this with me. 
At this point, all I want to do is get them reporting on my GOOD credit with them so that I can switch to another mortgage company. When I 've called on the phone I get no where with them, and have been denied the opportunity to speak with a supervisor or manager to voice my complaints. I think that they are deliberately trying to keep us at a higher interest rate ( 5.875 % ) than the current market, and by not reporting our GOOD credit making it impossible for us to go elsewhere.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
We were in chapterXXXX we completed our plan in XXXX XXXX we were instructed by the chapter XXXX trustee that we were to start making our own payments in XXXX XXXX and we did, Dietect sent us a letter in XXXX stating we were one or more payments behind and in default, not True and I wrote them sent them bank statements showing they had got all of our payments and when they had ach through our account, they ignored it and kept dunning us for a payment or payments we do not owe, they have called my husband at his job they have sent incorrect house statements we have wrote them every month since XXXX XXXX asking for a correct house statements with no answer we have wrote them in XXXX requesting they tell us which payment they say we did not pay, because I have bank records showing all my payments from XXXX XXXX untill XXXX XXXX where the ach my account and got all their payments, I have contacted my Bankruptcy Attorney and they have contacted the Chapter XXXX trustee and told them ditech was saying payments had not been paid and was told by yhe Bankruptcy Attorney that the chapter XXXX trustee contacted our mortgage co XXXX XXXX XXXX with a 21 day final cure payment because we were getting ready to complete our XXXX XXXX and if any money was still owed the XXXX co had 21 day to respond and they did not respond so they conceeded we were paid so in XXXX according to our chapter XXXX trustee they paid XXXX XXXX, XXXX XXXX and XXXX XXXX payments so there is no way we are behind in payments Ive sent all of this to Ditech and they still refuse to quit trying to collect payments from us we dont owe.They will not provide us with the so call missing payments so we can present them to the chapter XXXX trustee, we have had no info on our house for 5 years while we were in chapter XXXX we know we made all our payments as instructed by the court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I received a Surplus Adjustment check number XXXX for the amount of {$62.00} for my Ditech loan number XXXX in XXXX 2016. Unfortunately, my bank was unable to process the deposit of the check. I enclosed the check as instructed by Ditech and requested for another one to be sent on XXXX XXXX, 2016. It is XXXX XXXX, 2016 and I still have not received my check. I have called monthly inquiring about the status.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ditech Financial LLC
State: IN

Complaint narrative:
We filed Chapter XXXX bankruptcy, discharged on XXXX/XXXX/2006. One of the accounts that was discharged was for a mortgage with XXXX XXXX XXXX ; we recently received communication from Ditech that they had purchased the loan and that we owed them for the house. We disputed this, stating that it had been discharged via bankruptcy, they sent us a copy of the original loan with our signatures on the promissory note and stated that this was proof we owed the loan. The account was discharged, that was confirmed by both XXXX and another agent that had purchased the account, XXXX XXXX XXXX.

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 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My mortgage company ( Ditech ) changed their computer accounting system which caused them to incorrectly report me as being 30 days late on my mortgage payment. They put this on my credit record. This happened back in XXXX of 2016. After several phone calls to them, they have not corrected the error. I found out about this when I went to apply for a loan. What can I do about this? They are very unresponsive, but they do admit to the error. Thank you.

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 2015-08-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We took out a HELOC XXXX years ago. We thought it was going to be paid off in 2016 and when we ask them how much was left we found it that it was going to balloon for the full amount {$93000.00}. We do not have that amount, so we ask them ( Green Tree Servicing LLC ) if they could help and their answer was, We service your loan on behalf of an investor or group of investors at ( XXXX XXXX XXXX XXXX XXXX owner of mortgage account ) that has not given us the contractual authority to modify your loan under HAMP. 
We have never missed any payments for the XXXX loan or XXXX loan. They will only work toward us loosing our home. ( 1 ) short Sale ( 2 ) Deed-in-Lieu of Foreclosure ( 3 ) ForbearanceWe contacted XXXX different Lawyers and they all said to walk away because the banks would n't work with us. ( We love our home and we are in our 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 2016-09-01 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX, 2016 XXXX XXXX XXXX XXXX. 
XXXX XXXX TX XXXX XXXX XXXX XXXX SC XXXX XXXX : PARTIAL ACCOUNT NUMBER : XXXX .... 

To whom it may concern : This letter is being sent to you in response to the above reference account that WORLD FINANCE CORP has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Identify the original creditor- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
At this time I will also inform you that your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on all XXXX of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against WORLD FINANCE CORP for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Debt was charged off more than 4 years ago ( statue in california ). Debtor reported the activity to the 3 major credit bureau 's knowingly violating the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
XX/XX/2016, a {$690.00} collection account from Midwest Recovery was added to my credit report. I disputed it with both XXXX and XXXX and since the company did not verify within 30 days that it was a true debt, it was removed. 

Now XX/XX/XXXX I have received calls on my cellular, at work, my friends and family have been contacted by a company called XXXX XXXX - XXXX XXXX - they are trying to serve me papers for a pending lawsuit. This is completely embarrassing and they are harrassing me and family members for something i do not owe. 
the number they call and text from is XXXX and stating i should call XXXX to pay a debt i do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Early XXXX, California, XXXX debt for {$1800.00}. Was not paid. Unemployed. Unable to pay debt. Debt was discharged by XXXX 

In XXXX, XXXX - XXXX years after discharge of debt, and well past the XXXX years statute of limitations in California, Commonwealth Financial Systems ( a junk debt buyer ) collection agency, placed a record on my credit reports ( all XXXX ) stating that as of XXXX XXXX, I owed them {$1800.00} for an XXXX debt. Well this debt was discharged in XXXX. 

Why the XXXX am I being hounded by this scam junk debt buyer firm. My credit score has dropped XXXX points because of these XXXX. And, the debt was discharged in XXXX. Why am I being hounded by scammers in XXXX. 

CFPB - these junk debt buyers should be banned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: One Technologies, LP
State: MD

Complaint narrative:
This fraudulent company wrongfully charged my visa card ending in XXXX in the amount of {$39.00} on XXXX/XXXX/15 despite my having already called in 2 days prior to cancel on XXXX/XXXX/15 to cancel the ongoing membership with them before the next billing cycle began. I spoke to " XXXX '' on XXXX/XXXX/15, who went from stating he can help me with my cancellation, then in a desperate effort to keep me from canceling, holding on the phone for XXXX minutes, barely allowing me to speak. After XXXX minutes, XXXX finally told me that he had processed my cancellation request, sent me an email confirmation for the cancellation. Concerned about ongoing fraudulent billing practices and charges to my credit card, XXXX assured me that my card would not be billed any longer. 
I received the cancellation confirmation number : XXXX on XXXX/XXXX/15 indicating my membership had been cancelled. However, when I checked my XXXX XXXX checking account I discovered XXXX/One Technologies, L.P. had charged my XXXX card ending in XXXX in the amount of {$39.00} on XXXX/XXXX/15. Not only had this company billed me for ongoing service after cancellation, but they had the audacity to immediately restrict me from logging in and accessing the account. How dare you cancel my account and continue to bill me and then deny me access after you 've charged me for the whole month. Naturally, I assumed I would still have access to the account until the end of the month, being as though they had charged me already for the month of XXXX, but to my surprise and dismay they had restricted and denied any and all log-in and access to the account. How dare you. You charged me for the whole month, so I still have the right to access. I am disgusted and appalled by this scam company. They seem to take it personal, real personal when you choose to cancel your membership. They encourage, train their reps to aggressively bombard, burden, annoy and hold you up on the phone for upwards of 30 minutes by trying to distract and discourage and ultimately keep you from cancelling the expensive unimpressive, unsatisfactory services in hopes that they could persuade or should I say pressure you to choose XXXX of the for the exact same or similar, more appealing services for free or at a fraction of the cost, price it should have been at in the first place. What ever happened to just simply honoring the consumer 's request. I called you to cancel services. Period. Nothing less. Nothing more. They are hiding behind misleading advertising and false misrepresentations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: D2 Management LLC
State: WA

Complaint narrative:
In XXXX, I received a phone call from The XXXX claiming I owed a payday loan debt from XXXX and that the debt was sold to XXXX. After asking for verification of the debt, the representative informed me that I would need to contact the owner of the debt. I then contacted XXXX and asked for verification of the debt, and I was refused. After the phone call, I sent a letter via certified mail to XXXX via certified mail requesting verification of the debt and informing them that any communication regarding this debt must be in writing to the address that I provided. That letter was received by XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received a phone call from D2 Management claiming to represent XXXX to collect on account on my cell phone. I informed them that the phone call was in direct violation of the FDCPA and that they may only contact me by means supplied to XXXX

Company response to consumer: Closed
Consumer complaint received 2016-08-30 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: Ray Klein, Inc.
State: WA

Complaint narrative:
Collection was reported to my credit report for an account belonging to my deceased mother who resided with me ; I never signed on the account. Reported by : Professional Credit Service # XXXX XXXX XXXX, OR XXXX Ph. XXXX XXXX XXXX Debt appears to be from XXXX XXXX phone service

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
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth financial is trying to collect a debt that is under another persons name and assign it to me. They refuse to remove from credit bureau. The person has a similar name. 

They refused to verify by some means or send a copy of the bill for my review. They can not do this is is illegal. They have to confirm debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SQUARETWO FINANCIAL CORPORATION
State: OK

Complaint narrative:
My bank account was garnished on XX/XX/2015. I was never served for a summons or complaint of the debt. I looked up on XXXX and discovered that they state that I was served. I spoke to a representative named XXXX at XXXX XXXX XXXX XXXX and offered to settle the account for {$1200.00} even though I dispute the account. I notified them of the improper service and they could n't do anything to help find a reasonable resolution to my complaint of improper service and my dispute with the fees and interest. They gave me a counter offer of XXXX on a balance that they state I owe of {$6400.00}. I am unable to do that amount. My financial situation will not allow for it. I am a single parent of XXXX children. And I am barely living paycheck to paycheck. I have also notified them to not contact me by telephone and to cease and desist calling me. At this time since they have not investigated the improper service they are causing me undue hardship by garnishing my bank account and refusing to come to a reasonable resolution. I am in fear that they will garnish my paycheck next. And because of my low income I will have another hardship if I have to hire an attorney to file motions to quash the judgement for improper service or risk representing myself. I believe it is unfair and deceptive for them to use improper service to obtain default judgements and I would like your help to resolve the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This company ( Northeast Credit Collections ) is reporting the wrong delinquency date. This debt went delinquent in XX/XX/XXXX and should be removed from my credit report. This collection company is reporting this debt obtained in XX/XX/XXXX so it looks like it is 3 years old. I have disputed this several times, but they refuse to remove / correct the false information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
On XXXX/XXXX/2016, I received a debt collection letter from Ability Recovery Services , LLC, in XXXX. The letter was addressed to a similar name to mine. However, there is no one residing with me ( and never has been anyone residing with me ) by the name on the letter. Through my work, I know that Identity Thieves do not always get the names correct and felt that I was a victim of Identity Theft. Therefore, I checked my credit report through XXXX and found that this debt collection had been reported to the Credit Bureaus. After contacting Ability Recovery Services ' client, XXXX XXXX, it was found that a person with a similar name to mine had enrolled, but the address was in XXXX, XXXX ( a PO box ). Also, there were no Social Security numbers associated with the XXXX XXXX account. 
My complaint is : 1 ) Ability Recovery Services reported this debt collection to my Credit without a Social Security number that would link this debt to me ; 2 ) this debt is not my debt ; 3 ) Ability Recovery Services degraded my Credit score, dropping my score from " XXXX '' to " XXXX '' ( XXXX points ) ; 4 ) as of this complaint, 5 ) Ability Recovery Services has not removed this from my Credit, which they advised me would occur by this date.

Company response to consumer: Closed with explanation