vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I had a Mortgage with Greentree mortgage and then it became Ditec LLC They have raised my escrow for no good reason since my taxes have gone down. It also do n't make sense because two months before they raised my payments they sent me money because there was too much money in my escrow. This lender has a bad track record of being honest.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NE

Complaint narrative:
Ditech charged my account {$200.00}, {$250.00} and {$0.00} in XXXX 2015. At this time, my account was current and paid ahead through part of XXXX payment was not yet due. Theses charges have inflated my payments and were added to my payments without my knowledge. They have charged multiple inspection fees while the only charges due were the ones in dispute XXXX attorney fees of {$450.00} incurred when CURRENT ). 
On XXXX XXXX, 2015 at XXXX via tracking number XXXX, Ditech received payment of {$5100.00} which paid through part of XXXX 2015. On XXXX XXXX, Dietch charged these fraudulent fees.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I am victim of identity theft. Someone unknown to me used my personal information to obtain goods and services fraudulently. I did not authorize or have any knowledge of these accounts. I have contacted the mentioned collection company Financial Credit Network who are reporting this fraudulent account on my credit report and they repeatedly verified the account, ignoring my police report, statements and the fact the account is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
Our home loan, formerly XXXX, was sold to Green Tree. Bought our house in XX/XX/XXXX. Refinanced in XX/XX/XXXX. Ever since has been a nightmare. Last year - we were late on a payment due to my husbands seasonal lay-off. I was harassed at work - rep from GT told me if I did n't identity myself - the account would be locked and they would n't accept a payment. 
This year, we are a month late. Called several times for options - shut down every time. Threatened with Credit Score dings. Harrassed at work. Now I am expected to come up with {$1900.00} XX/XX/XXXX to pay for XX/XX/XXXX and XX/XX/XXXX mortgage. They will not accept 2 week payments for each month. Have tried in the past. Was informed the type of loan we have does not allow comprising. Left a horrible message on our home phone - asking if anyone was still residing in the home. This was due to getting tired of being treated like dirt by whomever I was lucky enough to talk to. We have a great payment history. Now for the first time, when we need help, we are treated like scum of the earth. I 'm beginning to wonder if they hate all Americans in general. 
After talking to a XXXX XXXX about the payments in XX/XX/XXXX, he stated that the harassing phone calls would stop. Guess what, they have n't. They called again this afternoon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered thatMeade & Associates, XXXX furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is, to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Harassment, unnecessary calling, threats of foreclosure, rude phone conversations, all regarding mortgage payment or late payments.

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 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: DE

Complaint narrative:
To Whom this may Concern .... my wife and I have a mortgage through a company called Ditech. Around XX/XX/2015 I was released from my job, at the time I was making around {$48000.00} a year. Immediately after I was released I contacted Ditech to keep the communication line open just in case I fell behind with the payments they would know why. To make a long story short this company has been harassing us to no end, when I tried to make the past due payment last year around XX/XX/XXXX one of the customer service reps told me that I did n't have a payment due at that time and I was told to make my regular payment on another date. NOTE : THIS IS ONE TIME THAT I WHISH THE PHONE CALLS WERE RECORDED LIKE THEY SAY THEY ARE BECAUSE THEY WOULD CLEARLY HEAR THAT CONVERSATION AND HOW I WAS GIVEN THE WRONG INFO. So with all that being said I never lost communication with Ditech and I 've been trying my best to work this situation out with them. Then I 'm told that I qualify for a modification, so my wife and I submit all the documents that they asked for at least three times and every time they kept telling us that we did n't submit the proper paperwork in time. After communicating with these people on a regular basis they still sent someone out to post notices on our door and when I asked the rep Why were they doing that? he told me that they do that to make sure the property is being occupied so I tell him is all they have to do is ring the doorbell because we 're home each time they do it, it 's embarrassing.Finally I work out an agreement to pay an additional {$600.00} to my regular mortgage payments to try to catch up on the past due payment and these payments are set up to come out of my account automatically but do the harassment stop ... .no it gets worst now they are sending us certified forclosure letters and to make matters worst the letters are going to our neighbors houses. Please is there anything that can be done to stop this harassment, I can see if I had n't been communicating with these people but I have been up front with them since last year and they still are harassing me over one payment and some late charges. Now I 'm making {$52000.00} a year and have been trying my hardest to catch up not just with my mortgage but with other bills also. It 's seems to me that they do n't want to work this out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Innovis
State: VA

Complaint narrative:
CBC InnovisRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from XXXX credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
My original loan was with XXXX who sold out to XXXX XXXX XXXX who sold my loan to GreenTree Mortgage AFTER I went through the process of a mortgage reduction program. I had to file a complaint to get my reduction program loan closed because they were holding my entire financial world in limbo for over a year, hurting my credit, when a loan should be closed within 30 days. It was ridiculous but it helped eventually because we get {$1000.00} cut from our principle ANNUALLY if we pay on time and I do BUT now that it 's been transferred to GreenTree, they are intentionally trying to make us late on payment by not sending us our invoice in time. I have been paying ahead of the invoice because I never receive it in time to prevent late payment which is a HUGE XXXX BUSINESS TACTIC. Even though I sent my payment ahead of invoice receipt last month, the payment was n't posted as received until seven days after it was due on the first which is a lie. They are trying to cheat me out of the program 's {$1000.00} annual principle reduction. This whole program is XXXX trickery and I want the fined to the hilt for what they are doing to us. There are XXXX of us on these loans and I 'm CERTAIN that I am not the only one suffering this. Make them give us what they promised because we are never late on our payment. They 're MAKING us late on PURPOSE by holding invoices and payment on receipt in order to prevent having to keep their promise of annual principle reduction of {$1000.00} for on-time payments. Regardless, I want my invoice sent out ON THE DAY they receive a payment to prevent it ever been later than the payment due date again. This is insane.

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: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I need help please me and my kids have been struggling cause i made a mistake on going to college XXXX in XXXX colorado i went for 3 weeks and was charged over XXXX and still have a judgemet of XXXX which they wont help me also still have to pay Navient already XXXX which is sal may how ever you spell it which i payed them another XXXX i cant do this any more i get calles from XXXXthrough XXXX from different people from Navient they say didnt get my XXXX last year income tax and that i haveny been paying them and i still owe XXXX and these loans i did n't know about until two years ago. College XXXX my kids life and mine. We been homeless because they took my income taxes i lost half of our things, i have been sick in amdnout of the hostipal because the XXXX my electricity has been turn off i ca n't feed my kids we have to reley on government assistant. Me and my husband works but it never enough for raising XXXX kids.. I need help please 9 years of harassment and struggling i cant do it anymore please help me amd my family please please

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Clearing House of America, Inc.
State: KY

Complaint narrative:
They are attempting to collect a debt that is not mine. It is a medical bill co-payment for my children under their fathers health insurance. I am not married to thier father. Our divorce states that he is financially responsible for medical insurance and expenses. I have notified the company of this by phone at XXXX. I have been getting repeated collection letters. After calling to notify the company that I this is not my debt on XXXX/XXXX/2015, I was yelled at on the phone by the answering representative who demanded to know my relationship to the insured and insisted that as a parent I was " 100 % responsible for the bill. '' I asked to speak with her supervisor. She then told me she was the supervisor. I asked to speak to her supervisor, after a brief hold, I spoke with a someone who identified herself as XXXX XXXX of Credit Clearing House of America ID # XXXX. She states that she has no direct phone extension and that the only other supervisor is XXXX XXXX, also with no phone extension. She refused to provided me a name for an owner or higher up representative of the company. She states that it is not her responsibility to investigate this claim and suggests that I send a letter addressed to the unnamed " owner. ''

Company response to consumer: Closed
Consumer complaint received 2015-10-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
First Point Collections Resources, Inc contacted me in XXXX 2015 regarding a debt I fully dispute. I notified them in writing on XXXX XXXX, 2015 that I disputed the debt, that I would never under any circumstances pay the debt, and to never contact me again. Since that debt First Point has made repeated telephone calls to my home regarding this debt, including one tonight ( XX/XX/XXXX ) at XXXX. These constant phone calls are harassment, and I want them to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
RELATED TO CASE XXXX XXXX BANK ATTORNEY McCALLA RAYMER WAS REQUEST INFORMATION ON HOUSE FRAUDANTLY SOLD AT AUCTION. REQUEST INFORMATION ON SALE. SUCH AS AMOUNT, TO WHOM, VALIDATION OF PURCHASE, AND TITLE INFORMATION. THIS LED TO ASSISTENCE OF DISTRICT CONGRESSMAN, WHOM HAS BEEN MONITORING THIS ACTION OF ROBO SIGNING ON DEED AND MERS AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ECMC GROUP, INC.
State: IN

Complaint narrative:
a collection agency named premiere credit tapped in freeze my bank account they never send me any letters in mail they were sneaky freeze my bank account until they are paid i try talk to those idiots and collection agency they are very rude they caused me emotional stress

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 2016-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
Ditech took over my Greentree account. I am no longer able to access my online account, where I should be able to view and print my mortgage interest statement. I have requested that Ditech either restore my online account access or provide me a hard copy of my statement. They have failed to comply and have not responded to my communication. I can not file my 2015 income taxes without this form.

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 2015-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
we could not make our lasts month payment because of high utility bills. we asked acc. rep. to defer our payment til the end of our loan. he said no problem since we had never done this in the past. when we contact him he says he is waiting for approval. it 's been a couple weeks we think he might waite til so much time has gone by and try and forclose. we have been denied a loan modification. our interest is 10 %. we are on social security greentree says our income is enough. when we pay our bills we have a little over XXXX left and that is without buying food or gas for our car when we applied for a loan modification they said we would have to pay XXXX a month for 4 months we can barely pay XXXX can you help us. we don, t have any loan papers from greemtree, only a letter we got years ago saying saying they had acquired our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech Financial did not notify me of any change in my required mortgage payment, as required by my mortgage agreement. I sent timely payments in for XXXX & XXXX 2016 & these checks were cashed by Ditech. There was an adjustment in my adjustable mortgage ( {$16.00} increase per month ) which Ditech failed to notify me of at any time. Ditech reported these XXXX payments as " 30 days past due '', thereby ruining my XXXX score, and failed to correct their error when I requested that they do so. ( Ditech at no time ever sent me any coupon books or monthly mortgage statements, or invoices, despite my request for these ). 
Ditech also refused to refund an over payment I made to them relative to a payment which they deposited some time after my mortgage was paid off in full in XXXX 2016, and to return these funds which legally belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Credit Network Inc
State: HI

Complaint narrative:
Financial credit network keeps adding a debt from a program that my insurance paid for in full. I quit the program the day my insurance cocerage ended. Ive disputed it before and they removed and readded it with a new current date. Now they also have started calling me and giving me attitude! I live in hawaii so their XXXX phone calls are getting on my lst nerve! Ive told them to stop calling me about a debt i dont owe. XXXX XXXX XXXX XXXX should be ashamed of themselves and what their program is really all about

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have a mortgage which was assigned to Greentree and now they call themselves Ditech. I have my payment to auto debit out of my account every month on the XXXX when it is due. They took it out on the XXXX ( not a problem ). I got a call this morning at XXXX from Ditech asking me to make a payment, I informed him that the payment was already set up on auto debit from my account, his response was oh I see that. Well it is still pending. Why am I getting a call 2 days before my payment is due when the payment will be there on the day it is due? Also let me state NEVER have I been late in the 12 years I 've had my mortgage. NEVER did the other banks that I 've had to make my payments to in the past called me and harrassed me as much. When it was Greentree they called me asking for payment the day my check cleared my bank which is why I went with auto debit but I guess that is n't good enough for Ditech.

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