vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
We submitted a short sale offer at {$200000.00} to GreenTree on XXXX/XXXX/2015. The file was assigned to a XXXX XXXX. On XXXX/XXXX/2015 GreenTree countered our offer at {$250000.00}. We received a copy of the BPO and the value was {$230000.00}. Our buyer increased their offer to the appraised value of {$230000.00} on XXXX/XXXX/2015. The file was transferred internally at Greentree to a new negotiator by the name of XXXX XXXX on XXXX/XXXX/2015. XXXX XXXX sent another counter offer of {$250000.00} on XXXX/XXXX/2015. We have received an updated copy of the BPO that shows the updated value is now {$230000.00}. GreenTree is clearly committing fraud. based off the appraised value each time our offer met or exceeded value, yet each time GreenTree counters above appraised value.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Clearing House of America, Inc.
State: KY

Complaint narrative:
On XXXX/XXXX/XXXX, upon returning from a work conference out of town, I opened a letter from the Credit Clearing House of America. This stated that I was being sent to collections for an unpaid bill from XXXX XXXX of {$490.00}. I could n't recall ever seeing a bill for this so I searched through two years ' worth of bills that I received through mail and via email. I could find no record of this bill. 

On XXXX/XXXX/XXXX I called CCH and they suggested I call XXXX. At XXXX I spoke with XXXX. He said the bill was for service dated XXXX/XXXX/XXXX. I told XXXX I had no knowledge of ever receiving this bill. He stated that his records showed XXXX XXXX had never sent me an invoice for the service. XXXX said he would speak to a manager and call me back. 

In the meantime, I searched my bank accounts to see if perhaps I had paid the bill and did n't remember. I could find no record of a payment in my current bank accounts. Unfortunately, my bank account in XX/XX/XXXX is different than my current account. I called the bank but it would cost an exorbitant amount of money to get those statements. 

I called XXXX back on XXXX/XXXX/XXXX. I spoke with a different representative, XXXX. She also confirmed that XXXX XXXX had never sent an invoice. This representative stated that they sent the debt to collections on XXXX/XXXX/XXXX. The first letter I received from CCH was XXXX/XXXX/XXXX. I did tape this conversation and have that recording available to validate never receiving an invoice. 

Upon further research of this issue, I found references to a term called " parking '' a debt - where collections will not act on a debt until the person applies for a mortgage or loan. My husband and I had inquired about a mortgage in XX/XX/XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
PDQ Services Agency in XXXX, GA credit agency has submitted false documentation to the XXXX credit reporting agencies. PDQ lists the date of collection on all XXXX credit bureaus as XXXX XXXX. This date is inaccurate. PDQ sent the first collection letter on XXXX XXXX, XXXX with an erroneous amount owed of {$490.00}. I refused to pay the amount because it was inaccurate. I have a bill from the from Dr. 's office stating the correct amount of {$240.00}. Our medical insurance was billed, therefore, I did not pay. The bill was later turned over to collections. PDQ added this collection to my credit file at all XXXX agencies for a different amount of {$370.00} with a different reporting date on XXXX. PDQ is erroneously trying to illegally extend the period of collections by reporting the debt 2 years after the original communication. PDQ is also trying to collect more than the actual debt. PDQ sent the original collection letter on XXXX XXXX, XXXX yet I received an invoice from the Drs office on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. How can a debt be collected by XXXX different companies at the same time?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Debt Holdings, LLC
State: OH

Complaint narrative:
I have been receiving calls from a company called : Certified Mediation who says they are represented by XXXX -- -phone # XXXX. They tried to collect on a supposed bad check with XXXX. They stated I had to pay them via XXXX by the end of the day or I would be charged with XXXX Class XXXX Felonies and arrested the next day by XXXX. They caused me great distress. They made mention of a Pre-Trial Diversion etc. I believe this is a scam and want to report them. Also they went as far as to say they had pictures of me in XXXX. This was an alaborate scheme with multiple so-called departments and people involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I got two emails over the weekend. One stating that my deferment request had been approved and the other confirming that the payment term of my loan had changed. This was odd because I never filed a request for a deferment. When I logged into my account, I immediately noticed that my balance had dropped by almost {$6500.00}. Obviously this is great, but I wanted clarification. I called into Navient today and asked A : why was I granted a deferment in which I never requested and B : why has my balance dropped such a significant amount overnight? I was given no definitive answers and was told that they had just received notification from my college that I was no longer a student there. I graduated XX/XX/XXXX. I asked for a copy of that letter and was told that it could not be provided as it was internal use only. They confirmed that my new balance is a correct balance but gave me no answers to my questions. This obviously is startling. It makes me question the legitimacy of this company I 'm paying on a monthly basis to track what I truthfully owe on my loan. How can I trust that this is correct? When looking at statements, I also noticed that even after paying more than the minimum payment amount, my balanced barely moved. You would think that it would reduce the amount owed quicker, however, the balance seemed roughly the same. I just want answers and I want to be able to trust the company I 've been paying for over 10 years on the first of every month religiously. I 've attached my statement as of XX/XX/XXXX as well as my new statement as of XX/XX/XXXX and the deferment approval letter that I got even though I never applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
XXXX is claiming I owe them {$470.00} for early termination of contract. I had a two-year contract with them from XXXX - XXXX. After that I was on a month-to-month plan and I had to relocate because my landlord moved back in their house at XXXX, VA XXXX. When I contacted XXXX to inform them that I was relocating and wanted to transfer my services to XXXX ( XXXX, VA XXXX ) they informed me that they only had telephone service in that area at that time. Since I needed a total package ( phone, internet and cable ), I left XXXX and went with XXXX. XXXX then told me that I would have to pay an early termination fee if I did not take their phone service with me. XXXX alleged that I was back in a contract because they gave me a {$200.00} Gift Card which is not true. The only {$200.00} Gift Card I received from XXXX was back in XXXX for the 2-year contract. I did not receive anything after that from XXXX. I have tried on numerous occasions to resolve this issue with XXXX with no success. I also filed a dispute with the credit consumer reporting agencies with no success. This issue is adversely affecting my credit report. Any assistance you can provide will be greatly appreciated. 

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 2016-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: GMA Investments, LLC
State: GA

Complaint narrative:
A representative named XXXX, who stated he is a legal manager at Summit Receivables stated that Summit Receivables has taken over my credit card debt which is {$450.00}. The company has repeatedly contacted me calling me more than once a day for the past couple of months. I have explained that I was unable to make payments at the time because of health related issues. During the past month XXXX has called me several times threatening to take legal action against me if I do not pay a certain amount by a specific date. I recently made a payment on XXXX/XXXX/16 for {$50.00} which was posted XXXX/XXXX/16. However, I decided to check my credit report on XXXX/XXXX/16 to see if the company was on my credit report. To my surprise I did not see the company listed on my credit report. I also noticed that the original debt from the credit card company was closed. Once I realized I did not see them listed on my credit report and I have not received any documentation by mail indicating that I owe them or that they will take legal action against me I contacted XXXX to ask him about my concerns. XXXX became very defensive and began to talk over me and became very rude. I informed him that I will not make any further payments until I receive something in mail indicating that I owe them, after I stated that, XXXX stated he can send me something by email and that he was not obligated to send me anything by mail unless I send it a written request. I told him that I will request in writing to have documents mailed to me. I asked him for the address of his organization and he hung up on me. I looked through my inbox and spam on my email and I did not have any emails from him or the company he claimed was sent to me. I contacted the Consumer Financial Protection Bureau, XXXX and State Attorney General for Nevada and was informed that what he was doing was illegal and I plan on taking further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
It 's quite simple. I held a junior mortgage secured by a residence where the borrowers ( XXXX and XXXX XXXX ) voluntarily said they could no longer make payments. With their consent and support, I foreclosed and was given a deed by the XXXX, but of course it was subject to the First Mortgage serviced by Green Tree Mortgage. Both myself and my attorney have been trying to get a payoff letter from Green Tree since XXXX XXXX. We have sent numerous e-mails, letters and left voice mails. We have contacted the attorney for Green Tree who is handling their foreclosure proceedings. We have indicated our desire for a payoff letter and our intent to wire transfer the full amount the same day we receive the payoff letter. That attorney, and Green Tree refuse to respond. Every day they hold on to their mortgage costs me money. Furthermore, they will obviously refuse to release them mortgage until they are paid in full, so I am obligated to pay for their " expenses '' of foreclosure including their attorney 's fees. So every day that goes by, my pay-off will be larger due to both accruing interest and their attorney & collection expenses. I believe this is nothing short of extortion. Their claim is that they can not provide me a payoff because I am not the borrower and there is a " privacy '' issue. But attorneys call mortgage companies every single day to obtain " payoff letters '' when an individual simply wants to refinance their note with another institution. This is no different. I simply want to pay them off, in full, as quickly as possible. 
I have intentionally omitted all names and personally identifiable information. But if you contact me, I would be happy to provide it in a secure manner so that you can help me. Please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
I do not owe this company money!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
high interest rates. daily accruement is high

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
My name is XXXX XXXX and I have mortgage with Ditech Financial. First, I to express that is not listed on my credit report because they stated that they do not have to report to the credit bureau because it is a line of credit. Then, I ask for a modification, which they offer me XXXX but it only for a year and starting the second year it will go back to the same interest rate which is XXXX and the modification was a XXXX. So I did n't accept because that was defeating the purpose. They also keep sending me a letter stating that I am eligible to waive my late fee but when I call they said I 'm not but I do n't have equity in the home and Im under water because I owe XXXX but the house only worth XXXX. 

Can you please help?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: World Acceptance Corporation
State: NJ

Complaint narrative:
" Agent '' XXXX XXXX called me at work and threatened to seize all of my assets and remove money from my bank account and If i would not give out my bank information then I needed to retain an attorney, The decision needed to be made today that would impact my life and if I did n't act fast they he would make sure I would be bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
My mortgage is being serviced by Green Tree Services, LLC. They have continually lost our documents. Currently, they offered us a loan modification AFTER making our three trial payments. They would not disclose the details of the modification until AFTER making the three trial payments. When we did receive the details of the loan modification they proposed, it was not a HAMP modification from XXXX, but what they describe as an " in-house loan modification ''. The interest rate they want to assign to their in-house modification is ( 4.5 % ) and is higher than the previous interest ( 3.5 % ) rate we had when XXXX XXXX XXXX was servicing the loan but they refuse to acknowledge this, even though we have the documents to prove otherwise. Green Tree also does not have our income documents since they continually state they did not receive them or we did n't get it to them on time, which is not the case as we have always provided them this info within a week or two of their requests. In addition to the interest rate concern, they are not allowing us to get qualified for a true HAMP modification because they do not apply our income information that they say they never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services
State: TX

Complaint narrative:
I have been trying to consolidate my loans since XXXX of 2015. ACS is saying they are making an adjustment so my loans are showing a XXXX balance which stops me from consolidating. Now while they say I am at a XXXX balance, I am still required to make payments ; they can even send me a schedule of those payments. When I call about the situation, I am placed on hold for over an hour with no one picking up the call. They have not time frame for when the adjustment will be made. They simply say we are working on it and it is our policy to not give a timeline. This is stopping me from consolidating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Debt Recovery Solutions, LLC
State: IN

Complaint narrative:
In 2013, I terminated service with XXXX DSL as I was moving out of State. I returned the modem to a XXXX store and received a receipt showing the equipment had been returned. XXXX erroneously claimed I failed to return the equipment, charged me {$94.00}, then sent it to a collection agency. Everything has been resolved with XXXX but their collection agency XXXX Debt Recovery Solutions XXXX keeps reporting it on my credit. Twice in the past two years I have submitted the receipt and supporting documents to the credit bureaus and they removed the derogatory remark from my credit report each time, then a few months later Debt Recovery Solutions adds it back to my report and my credit score drops. XXXX no longer allows the collection account on my report but XXXX keeps allowing it to be reported again. I would like to block Debt Recovery Solutions from reporting this erroneous collection account on my credit report. I would also like for them to be reprimanded for reporting false information to the credit bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
I currently have a mortgage serviced by Green Tree servicing ( now Ditech ). They failed to perform an escrow assessment for 2014 which is required by law. I am now receiving demands for payment along with my mortgage that is XXXX % higher than normal. my mortgage payment went from {$1300.00} to {$1800.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
Cancelled debt but failed to reconvey the lien

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Green Tree {$12.00} service fee, force placed insurance on my condo for {$5000.00} per year, I bought a new policy and they wo n't lower my payment nor give me a payout or any paperwork. My mortgage went up from {$600.00} per month to {$900.00} I owe XXXX and my appraisal is at {$20000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: WY

Complaint narrative:
Our current services is Green Tree, LLC. Although they have not established who has given them this right of service, we have requested documentation on several occasions but have received no relief. Green Tree to date has not produced original documentation as to the owner of our mortgage, no one seems to have the original note as determined by federal law and many states. Green Tree is now going to sell our home, but still has not proven ownership by any entity or organization. Without proof of ownership with original documentation we dispute Green Trees right to sell our home or service any mortgage. We have sent them QWR under RESPA but they responded by saying that the information is propriatary to their company and will not divulge this information. We still have not seen the original note, not a copy, as required to prove that they have permission form any owner or other organization. We do not feel that they have any right to any collection or sale of our home and under the RESPA and the recent FTC settlement, Green Tree is violating our rights. We have filed a complaint before to no avail, you just send it to them and they do the same thing time and again. Please take this under consideration. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation