vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
I contacted my first mortgage holder, Bank of Albuquerque, in XXXX 2016 to discuss my options of refinancing my first mortgage and paying off my second mortgage with XXXX XXXX XXXX. I wanted to see if Bank of Albuquerque offered a first mortgage product to combine both mortgages, get a competitive interest rate, with a 15 year term, and to exclude escrow. Loan officer informed me the Bank of Albuquerque did have a product to match my request. We discussed the value of my property, current mortgage balances, loan to value under 70 %, employment status, income, debts, annual property taxes, home owners insurance, credit scores, information from my previous first mortgage application, and all other pertinent information consistent with a mortgage application. The loan officer told me with amount needed to combine both mortgages, the interest rate would be 2.875 % with a payment of {$1400.00}. I informed the loan officer that I would remove the security freezes from all my credit bureaus, as I am cautious about identity theft and believe it is best to be proactive. Once obtaining confirmation from all XXXX bureau agencies that the lifts have been completed, I informed the loan officer in XXXX that the bureaus were available. The loan officer told me he would proceed with my application. The entire application process from XXXX through XXXX included requesting income documentation, ordering and paying for an appraisal, several communication regarding property title, and general conversations regarding the status of the loan. Prior to giving the loan officer my credit card information for the appraisal costs, in XXXX, I asked if we are still at 2.875 % on the rate and {$1400.00} with the payment. He said, " yes and maybe even better ''. As I continued to believe the interest rate and payment was fully disclosed, I proceeded with the loan process and paid for the appraisal. 

It was not until I received the Interest Rate Lock Agreement with a rate of 3.75 % & payment over {$1500.00}, in XXXX, is when I realized that the rate and payment were improperly disclosed. The loan was final approved in XXXX. 

Improper disclosing of interest rate and payment, of a Primary Mortgage during loan application, has lead me to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
While refinancing our home loan XXXX XXXX, we call our previous lender, Ditech to get a pay off letter. They mailed us a payoff letter good through XXXX/XXXX/2016, for the amount of {$280000.00}. Our new loan with XXXX XXXX funded XXXX/XXXX/2016 and Ditech 's own records verify that. Today, XXXX/XXXX/2016, I received a letter from Ditech stating that we owe them an additional {$4100.00}. Needless to say, we do n't have an extra {$4100.00} laying around, and do n't understand how Ditech could have made this " error '', if in fact there is one, and if so, how they can demand payment right now and charge me {$43.00} a day until I pay it. Had they given us this payoff, it would have been financed into our loan, raising the payment {$20.00} a month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
To : Consumer Response Center, Room XXXX, Federal Trade Commission,XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXXTo Whom it may concern ; I am writing to seek your help with a Mortgage Creditor ( Greentree/Ditec ) that refuses to report accurate consumer information and ask for your assistance. My wife and I have exited a CHXXXX Reorganization Bankruptcy XXXX XXXX. XXXX, which was closed over one year ago XX/XX/XXXX, as evidenced " Order Entering Final Decree and Closing Case '' .. 


My wife and I fell into hard times during the Real Estate debacle XX/XX/XXXX. We filed for CH XXXX Reorganization to save our house and to hopefully begin to rebuild our credit. Now 6 1/2 years later, they refuse to report our impeccable payment history as required by the FCRA and Bankruptcy Rules. They state the account is Closed, " 0 '' balance and bad payment history. Not the case as we have a balance, and have an impeccable payment history over the last 6 1/2 years. 

Over the last 1 1/2 years, we have sent dozens of letters, phone calls and faxes, and providing proof of the closure and providing the " Final Decree '', and requesting they report our mortgage account to the credit bureaus. On phone calls, they simply state that they " can not '' report our account to the bureaus until the Attorneys approve it. We are unable to speak with the Attorneys. 

This is not a frivolous matter, and their refusal and inaccuracy is robbing us of the ability to gain any credit, which is the life blood of every single consumer. We wish to purchase another home, but lack of published credit prevents it. We ask that you assist us with this matter and demand that they immediately report our credit file to the credit bureaus. Below is the Company/Account information. 

Greentree / DitecBK Dept. XXXX x XXXXAccount / Loan # Loan # XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX AZ XXXXThank you sincerely, XXXX 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 2016-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
On XXXX XXXX, 2016, I sent in a monthly mortgage payment of XXXX. XXXX. I also sent a letter stating why I was sending additional funds over my normal monthly payment amount of {$600.00}. I stated in my letter that I was sending in a payment of {$620.00} and {$600.00} should be taken out for the month of XXXX 2016 payment leaving {$15.00}. However, addition payments will be sent for the months of XXXX and XXXX in the amount of {$1200.00}. Combining my {$15.00} previous payment with this latter payment will total {$1200.00} and this amount is to be applied for following two months of XXXX and XXXX. Therefore, I will not need to send another payment in until XXXX 2016. On XXXX XXXX, 2016, I sent in the funds of {$1200.00} with another letter reiterating my previous instructions : My name is XXXX XXXX and I sent in a payment of {$620.00} for XXXX 's mortgage payment. {$600.00} should be taken out for the month of XXXX 2016 payment leaving {$14.00}. However, this is a check for the next XXXX mortgage payments of XXXX and XXXX in the amount of {$1200.00}. Combining my {$15.00} previous payment with this latter payment will total {$1200.00} and this amount is to be applied for following two months of XXXX and XXXX. Therefore, I will not need to send another payment in until XXXX 2016. If there are any questions I can be contacted at XXXX. 

My XXXX mortgage payment was paid out the {$1200.00} check I sent in, but I am having a very difficult time getting the XXXX payment applied to my mortgage monthly payment. When I initially spoke to customer service at the beginning of XXXX, I was told it would take XXXX to 7 business days to get the funds reallocated to my XXXX payment. Now XXXX XXXX, the funds have not been applied to my XXXX 2016 payment and it has been over 30 days since I requested it. I need this situation resolves immediately because my XXXX mortgage payment will be due in XXXX days.

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: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ECMC GROUP, INC.
State: NJ

Complaint narrative:
I told Premier Credit on XXXX/XXXX/16 they called me at work and to stop calling me at work. They admitted on the phone that I told them this yet I have a log of them calling 13 more times at work. They are not allowed to do this and it is harassment. I will be filing a law suit against them

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 2016-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
I closed on the sale of my house XXXX/XXXX/16. I called 2 days later regarding refund of escrow in the amount of {$2100.00}. I was told it took 3 weeks. # weeks later I called and was told it was mailed XXXX/XXXX/16, No check. Called again Mailed XXXX/XXXX/16. No check. Was told there was a problem with their system and I 'd get a check in 10 days. No check. Was told it was mailed XXXX XXXX, 2016. No check-? 9 times I called and talked with 8 different reps : XXXX, XXXX, XXXX, XXXX ( XXXX different XXXX ) XXXX, XXXX ( who clamied to be a legal rep ), XXXX XXXX and numerous voice mails where I ca n't understand the name of the perons who is supposed to call me back but never does. 42 days after they got the pay off for my loan and I sitll do't have a refund check for the escrow. I was not late one time. I ask for a check to be put in over night mail but they ca n't do that, yet they have an address for a consumer to send an overnight mail payment. I need some assistance in getting y refund check. What information do you need from me.Name : XXXX, email XXXX,. Please help me to get my refund in a timely manner. Thanking you in adavance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ECMC GROUP, INC.
State: GA

Complaint narrative:
ECMC is reporting inconsistent and inaccurate information to XXXX, XXXX, and of the XXXX. In reference to XXXX accounts with the same account # XXXX, they are reporting it as a " closed account '' to XXXX, an " open collections account to XXXX, and a " closed collection '' account to XXXX. These inaccurate reports to the major credit bureaus are damaging my credit worthiness and my credit score and should be DELETED under Secction 611 ( 5 ) ( A ) of the Fair Credit Reporting Act.

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 2017-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BTH Management
State: CA

Complaint narrative:
plaza services XXXX did not call me or send a letter stating i owe this debt, also not giving me verification of this debt, or a chance to dispute this debt before reporting it to the credit reporting agencies. now this debt is reporting on my credit report causing my credit score to drop XXXX points, disqualifying me from receiving the home loan i currently applyied for

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 2017-01-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
Ditech took over my home mortgage from Greentree. They kept trying to force me into an Escrow account with them -- increasing ( escalating ) my monthly payment by over {$700.00}, even though I repeatedly told them that I did not want it and that I had already paid my own taxes. They kept lying about me having not paid my real estate taxes ( even when my county tax office kept telling them that I was paid up in full through XXXX 2016 ). Finally after no less than XXXX calls and faxes, they relented. I solved the problem by getting a refinance elsewhere.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
My original mortgage belonging to Green Tree mortgages is now owned by Ditech. According to their own statement rules, a payment is not considered late until after the XXXX day of the month. Based on my pay schedule I can not always pay on the first of each month but am able to pay well before the XXXX of each month occurs. I receive harassing telephone calls from ditech ; chiefly from XXXX, sometimes four to six times a day EVERY DAY from usually the 3rd of the month onward. When I do answer, no one on the other end responds. This is bordering on harassment and I want it to stop. 

Additionally, today is XX/XX/XXXX and I received my XX/XX/XXXX statement on XX/XX/XXXX that includes to payment statement, stub and return envelope. This happens ALL the time with these people and it has nothing to do with my local postal carrier as my other utility bills arrive in a timely manner. Please help, because my next step is to go to my state 's AG office.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education
State: CA

Complaint narrative:
I had previously submitted complaint and have case number XXXX. This is an update to that complaint. On XX/XX/XXXX, XXXX confirmed by phone and by email that my application for deferment had been granted, after two months of delays on XXXX part based on what appears to be intentional delays or absolute incompetence, as described in my original complaint. I further checked my account status online at XXXX website and saw that my loan had been placed on deferment from XX/XX/XXXX through XX/XX/XXXX. Despite these confirmations of deferment approval, on today 's date, I received an email stating that a payment was due on XX/XX/XXXX! I immediately called XXXX and spoke with their representative. The representative informed me that my account had not been updated and that only XX/XX/XXXX reflected deferment status. This made no sense in light of the fact that a payment was due on XX/XX/XXXX! The representative went on to inform me that she would submit an expedited request for review of my loan status and that this process could take several days. I replied that her answer was insufficient because I have been repeatedly told that every error in XXXX processing of my deferment application that had occurred since XX/XX/XXXX, would take two to three weeks to process and again I 'm being told that I had to wait for some unspecified period of time to learn the status of my loan. The representative replied that she would put an extra urgent note on the inquiry. She agreed to call me by XX/XX/XXXX, to advise me of the status of the correction to my account status that I am seeking. 
It appears to be the habit and custom of XXXX to either remain incompetent or to purposefully delay applications such as the one I requested.

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
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
NUMEROUS illegal actions taken by " Fair Collections and Outsourcing '' including violation of FDCRA 605 ( c ) by attempting to " re age '' a XX/XX/XXXX debt by resubmitting today XX/XX/XXXX the same debt Violation of FDCPA 809 ( b ) by failing to validate the debt when requested by my attorney and then continuing to attempt to collect and reporting to Experian Violation of FDCPA 805 ( b ) by contacting my elderly parents and telling them " something bad '' would happen to me if I did n't pay

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 2015-06-18 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: FL

Complaint narrative:
The debt company has been calling me for the last few weeks. So on XX/XX/XXXX at XXXX I called the number ( XXXX ) and they are telling me that in XX/XX/XXXX XXXX there was a payday loan taken out in my name. They had my bank name but not the right acct. number and my S.S. #. They would not tell me who singed for the loan or how much it was for. I have never taken out a payday loan. I would like to get this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Concord Resolution Inc (Closed)
State: LA

Complaint narrative:
I received a voicemail from XXXX, but was only able to discern that they wanted me to call them back as the majority of the message was cut off. I returned the call and spoke with XXXX XXXX. He claimed to be with a company called Concord Resolutions, and stated that I owe a balance of {$590.00} to a company called XXXX XXXX. Knowing that this was a fraudulent debt collector, I immediately attempted to get as much contact information as I could. Prior to ending the call, the representative asked if I was willing to settle the matter voluntarily or not. I told him no, that I was filing a report with the CFPB, and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc.
State: VA

Complaint narrative:
Real Time Solution a debt collection agency is attempting to collect on a 2nd Mortgage ( Home Equity Line of Credit ) on a mortgage initially established with XXXX XXXX XXXX. The mortgage was a conventionally mortgage with a XXXX split. As a result of the XXXX XXXX XXXX experienced XX/XX/XXXX the properties went into Foreclosure XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX who bought XXXX allowed the mortgage to go into foreclosure and I have been severely Financial Damage with a XXXX Credit Rating ever since this happen.. I attempted a loan modification on the original loan ( 1st Mortgage with XXXX XXXX XXXX but they mess up and delayed the modification and the homes went into Foreclosure. XXXX XXXX XXXX charged off the loans, and then XXXX XXXX XXXX bought the debt from XXXX XXXX XXXX and attempted to collect on the debt which was charged off by XXXX XXXX also, then XXXX tried collecting on the Debt and eventually charged off the debt. Now Real Time Solutions is doing the same. The financial structure established by XXXX has been haunting me since XX/XX/XXXX. 
The action of XXXX XXXX further harm and destroyed my Credit Rating. The home equity line of credit was a form of creative financing so I could get a loan that I did n't qualify for and funds I did n't receive. When the property was Foreclosed on by XXXX XXXX XXXX, I lost everything. 
The property was located in XXXX XXXX SC which is not my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I have been getting REPEATED calls at this number by MRS Associates ( XXXX ). They are robo calls for a woman named XXXX XXXX. I apparently inherited her phone number from XXXX XXXX. I have REPEATEDLY responded that she does not own this number and I do n't know her, but i still continue to receive calls. So I called the # and asked to speak with a representative. I was put on hold for a half hour, then was hung up on. Nothing I do keeps this company from contacting me every single day. Again, this is not XXXX XXXX phone number, nor do i know her.

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 2016-09-14 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a savings account with the Pentagon Federal Credit Union. I have been making deposits once a month for many years. Several months ago I got a notice threatening to send the balance of my account to the State of Texas because presumably my account had been dormant for more than a year. Of course, I called them up and a service rep told me that was a mistake. I was advised that my account was not dormant and to ignore the message. I am now in the process of buying a home and found out that in XXXX of 2016 PFCU withdrew {$29000.00} from my account and sent it to the State of Texas! While the PFCU reps accept they made a mistake, they still claim I have to wait from 90 to 120 days to get my money back! I am in the middle of a contract to buy a home and need the money right away. I risk to lose the home I want to buy. I have wasted a lot of time on resolving this issue. I have called PFCU about five times. They always promise to look into it and call me back. They never do.

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