vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Here 's the documentation you requested. As I stated this was a home equity loan -- not thru XXXX but rather it was transferred to XXXX XXXX XXXX from XXXX They put me in collections with Realtime without contacting me or sending any correspondence of any kind letting me know that the Loan Servicing was being transferred. I made settlement payment to criminals at Realtime -- who promised that they would delete ALL Late Payments from my credit report in exchange for our agreed-upon Settlement Terms. 
XXXX Last Active XXXX XXXX : PAID ACCOUNT. XXXX BALANCE XXXX : THIS IS AN ACCOUNT IN GOOD STANDING XXXX : ACCOUNT CLOSED BY CONSUMER XXXX : ACCOUNT/PAID SATISFACTORILY XXXX : ACCOUNT CLOSED BY CONSUMER XXXX : PAID ACCOUNT. XXXX BALANCE Opened XXXX Reported XXXX High Balance XXXX Reviewed 68 mo XXXX Past Due Payment Paid Balance Status REALTIME XXXX Last Active XXXX XXXX High Limit XXXX Mortgage PAID XXXX : SETTLED ACCOUNT XXXX : PAID ACCOUNT. XXXX BALANCE XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : HOME EQUITY LOAN Opened XXXX Reported XXXX High Balance XXXX Reviewed XXXX mo XXXX Past Due Payment Paid Balance Status REAL TIME RESOLUTIONS XXXX Last Active XXXX XXXX High Limit XXXX Mortgage PAID XXXX XXXX XXXX XXXX XXXX : ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE XXXX : ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I have a commitment for a mortgage from XXXX. They also owe me {$490.00} for reimbursement of the cost of an appraisal. I have telephoned their mortgage specialist numerous times over the past nearly two months for an update on the status of the loan and reimbursement without a response on their part. It is very frustrating that neither the specialist, XXXX XXXX, or his supervisor, XXXX XXXX, are returning my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
I had short sold my home in XX/XX/XXXX. My mortgage company was Green Tree Financial. They reported to the credit bureaus as normal. Since then I have been rebuilding my credit and as of XX/XX/XXXX they are re-reporting my short sale on my credit under a new company name of Ditech. It is showing an {$88000.00} balance owed and they are reporting 30, 60, 90, 120 day late payments. This has brought my credit score down over XXXX points.

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 2017-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Thank you for assisting with this issue. Each year, I receive a notice from my mortgage company stating that my escrow account has a shortage. I paid it one year and each year I receive the same notice. I 've already contacted the XXXX county tax and assessment and was told nothing has changed far as property value and the home insurance has not increased. At this point, it is very frustrating and has caused a great amount of XXXX. Also, I received a letter stating the my PMI will be terminated and to date I 'm still paying for that. I call the mortgage company and get placed on hold for long periods of time until I ca n't hold on any longer. I call back and get placed on hold again. I need some help with this and a resolution to the issues described in this complaint. How can the escrow be short each year? Do you I need to contact the United States Congress and the media to shed some light to this situation? This could be happening to several other tax paying citizens. This is horrible and unacceptable. I never pay my mortgage late and to be treated this way is unacceptable. Please help! The name of the mortgage company is Ditech and it use to be GreenTree Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
New acct number XXXX, changed from XXXX XXXX XXXX, XXXX. 
*** # 1-For XX/XX/XXXX, Ditech submitted a fraudulent federal form XXXX, attached, reporting {$2700.00} for # 1 mortgage interest received from payee ( s ) / borrower ( s ). ***We paid {$2600.00} interest in XX/XX/XXXX ; the difference is {$99.00}, attached XX/XX/XXXX monthly statement. ***On XXXX XXXX, XXXX, Ditech removed {$99.00} from our account as payment for late fees. ***Rather than report this {$99.00} ( or rounded up to {$99.00} ) as income from late fees, did Ditech report it as interest per mortgage contract? 
*** # 2-Ditech creatively posted our first XXXX payments to remove the late fees. ***Ditech 's agent mistyped our XXXX payment ( XXXX/XXXX/XXXX ) short by {$2.00}. ***Ditech 's transaction spread sheet ( in XXXX/XXXX/XXXX letter ) shows not XXXX {$770.00} payment but XXXX, {$670.00} UAF and paid late fees {$77.00} ( prev balance ) and {$22.00}. ***Ditech created the {$22.00} ( should be {$38.00} ) late fee amount, thus zeroing out the UAF after posting P & I. 
*** # 3-Ditech did not honor the agreement for our first payment ( XXXX/XXXX/XXXX ) by posting 2 months of new escrow rather than applying 3 of the 13 months of escrow overage for our payment to post as 3 months of P & I. ***While having possession of our 13 months of escrow overage, Ditech put our account 2 months in arrears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
The debit was paid in full on XXXX/XXXX/16 and they continue to report to XXXX that the debit is unpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
Dear Sir or Madam of the Bureau of Consumer Financial Protection, I am requesting assistance in resolving previously disputed accounts with ECMC that have remained unresolved for over two years. I have previously disputed these XXXX accounts to no avail through the CRA dispute process. ECMC continues to confirm and report the wrong date of first default. I have a total of XXXX accounts that were sent to ECMC from the original creditor ( XXXX now XXXX ) on XXXX/XXXX/XXXX. XXXX no longer operates. I have requested ECMC to correct my " date of first default '' to the correct date provided to me by the original creditor ( see attached ). In another attempt to correct the information, I contacted ECMC on XXXX/XXXX/XXXX around XXXX am to request they update all of my credit reports with the correct date of XXXX/XXXX/XXXX. I was told by a CSR that " they do not have the date of first default in their system and they ( ECMC ) are using the date they received the account as the date of first default. I told the CSR for ECMC that the date they are sending is incorrect and provided the correct date and was told they " have no way to verify that '' and it would stay as is regardless of my paperwork. In turn on XXXX/XXXX/XXXX at XXXX PST, I spoke with a customer service representative for original holder ( XXXX ) with an employee ID of XXXX and requested documentation to confirm the date the account first went delinquent. On XXXX/XXXX/XXXX I received written confirmation from XXXX that in fact the date the accounts first went delinquent was XXXX/XXXX/XXXX not the date of XXXX/XXXX/XXXX that ECMC has been reporting since XXXX/XXXX/XXXX. I requested that ECMC remove all XXXX of these accounts from all of my credit reports as they stated they were unable to verify the correct DOFD and stated they " use the day the receive the account as the DOFD '' in credit reporting. 

I ask that the Bureau of Consumer Financial Protection address these FCRA violations. I also request that ECMC remove all XXXX accounts from all credit reporting agencies as they continue to violate FCRA. Attached you will find the written confirmation of the correct DOFD for all XXXX accounts and the XXXX trade lines as they appear on my report. I ask and pray for assistance as this causes stress and harm to me.

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 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Green Tree Servicing , LLC. XX/XX/XXXX-Present Green Tree Servicing deceptive business practices against us in connection with our loan related to but not limited to deceptive servicing practices, deceptive and harassing collecting practices, deceptive and unfair credit reporting. deceptive acts and practices regarding and related to our short sale including an XXXX hour demand upon us and forcing us to pay an additional large sum of money in the approx. amount of ( {$9700.00} ) before Green Tree would release their lien, jeopardizing one short sale and in violation of negations with us and our lawyer for the short sale of our home ; delay of the short sale ; Green Tree referral of our account to loss mitigation in direct violation of our agreement and false and misleading negotiations with consumer ; failure to report our payments since XX/XX/XXXX to any credit agency ; intentional and malicious interference with our correcting inaccurate credit reporting with XXXX, failure and refusal to provide any us with any statements, payment history after numerous requests ; failure to abide by written short sale agreement and reported as loss mitigation ; false and misleading debt collection practices at our employment and home ; refusal and failure to recognize our joint written agreement related to short sale ; early morning and late evening harassing phone calls. The following documents are key documents regarding the actions described above but are not limited to the following and incorporated herein by reference. Affected consumers attempted to upload such documents and did experience problems with same:1. XX/XX/XXXX Payoff Agreement between Green Tree and affected consumers. 
2. XX/XX/XXXX letter from XXXX XXXX, XXXX. to XXXX XXXX, Green Tree. 
3. XX/XX/XXXX HUD-1 Settlement Statement - {$9700.00}. 
4. XX/XX/XXXX letter from Green Tree to affected consumers - affected consumers account turned over to Recovery Department - Loss Mitigation. 
5. XX/XX/XXXX recorded Partial Satisfaction of Deed of Trust. 
6. XX/XX/XXXX letter from XXXX XXXX, XXXX. to Green Tree. 
7. XX/XX/XXXX letter from XXXX XXXX, XXXX. for Credit Reporting agency dispute of reporting by Green Tree. 
8. XX/XX/XXXX letter from XXXX XXXX XXXX to XXXX dispute of reporting by Green Tree. 
9. XX/XX/XXXX letter from XXXX to XXXX XXXX deleting Green Tree reporting to agency. 
10. XX/XX/XXXX letter from Green Tree regarding affected consumers attempts to resolve inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
Reference prior Consumer Financial Protection Bureau complaint # XXXX, Ditech Financial LLC Account Number : XXXX. 

Complaint response from DiTech, dated XXXX XXXX 2016 ( attached ), indicated specific actions that would be immediately taken by DiTech to correct their error. To date, and based on a conversation with DiTech this morning, none of the actions have been completed. This has resulted in my not receiving a correct XXXX for mortgage interest payments, affecting my ability to file my tax return both accurately and timely. 

This has been a horrific customer service experience - the worst I 've ever encountered - customer service reps state that I can only speak with them and not be connected with someone in a higher position that just might be helpful. This is a horrible company under any name ( i.e., Green Tree ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
We received a medical bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The amount we owed after insurance was {$210.00}, paid on XXXX XXXX, 2013. The company still turned us over to collection. To date we have been harassed by the following companies in order to collect a debt we paid. We have sent all documentation to each company, i.e. our credit card statement with the amount paid to XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDebt Recovery Solutions, LLCEach company names the creditor XXXX XXXX XXXX, XXXX. We have had to prove each time we paid the debt. Each company is collecting the exact same amount we paid. This has to be some sort of fraud at this point on their part to collect a debt we have proven time and time again we paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
My home mortgage with XXXX was transferred on XXXX. I received the new mortgage billing statement from Ditect Financial LLC after senting XXXX payment to XXXX within the grace period. Subsequently, I got Ditech statement with a {$77.00} late fee instead of usual {$19.00} fee. My wife tried to get the increase clarified, but was only told we owed {$630.00}. Please help us get the matter resolved. Can the new mortgage company charge almost {$100.00} in total fees?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX ( PRA XXXX ) contacted me after I asked this company to cease and desist and was unable to accept my request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Please do not contact me via phone or via mail with validation. Further contacts without proper validation will be considered harassment and I will begin litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I had a debt that was owed to XXXX. The account was bought by a debt buyer. The debt buyer hired an attorney to collect the debt. They filed a lawsuit. I paid the debt and the courts dismissed the case. The attorneys office also sent a letter stating the debt was paid. The debt buyer continues to report money owed on my credit report. I provided them with the same documentation that I am providing to you. I have disputed this information on XXXX times. they continue to say I owe them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
XXXX continues to report accounts on my credit report every month as late and the following accounts are not active. I have disputed with XXXX to STOP reporting false information on my report and they continue to report false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
i have tried several times to talk to them. They have refused to supply me with the social security used.i have sent a dispute letter and they say they didnt get it but refuse to send me another XXXX. All my credit cards and loans are paid on time and i am not late on XXXX of them. Please help me this company is ruining my company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I paid off a XXXX XXXX Bank credit card XX/XX/XXXX. There was several late payments, but the card was paid in full. I have Bank Statements showing this. XX/XX/XXXX, Portfolio Recovery Associates filed a lawsuit stating I owed them money. We went to court, but before we went in, I showed them the paperwork and they asked the case be dismissed. Now, they have filed suit against me for the same amount. While going through their paperwork, I realized they do n't even own my account. We are going to Trial this next Thursday and I have asked for a Court Reporter to be present so I can have documentation of what they say during the trial. I have now missed multiple days of work, I 've had to pay for official bank records, and I 'm very stressed about something I should not have to be going through. It must be illegal for them to do this, especially when they already have all the documentation that this debt is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
received letter from Portfolio Recovery Services threatening to file a XXXX on a time barred debt that on itself states the debt is old. I requested a verification letter that the debt is mine which was not received. I was informed that this is unethical as well as illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX recovery with this phone number XXXX XXXX of many of there numbers. Keeps calling and sending me mail attempting to collect depts that are over the statute of limitation and these debts where settled with the original creditor XXXX XXXX for a settlement amount and paid off. At XXXX point in XX/XX/XXXX or XX/XX/XXXX the went as fair as to try and take me to court for the outstanding debt where the attorney did not show up for court as the debt was paid and also the statue of limitation has expired on all these. They hold many account they are attempting to collect and all these debts are either paid or expired by statue of limitation in Michigan where i live. They are not on my credit report as last I check but will look at it again to make sure it is n't. This company is notorious for buying up large chunks of expired debt and them harassing, treating and even saying they have issued a warrant for arrest if the debt is n't paid. Personal I feel the XXXX fine which is all you can get if you sue them is n't enough of a deterrent to stop these barbaric and illegal collection practices. I want them to stop it 's been at least 7 to 8 years since I went to court to have this thrown out and I should n't have to screen my phone calls or get junk mail from them several times a day and even on Sundays ( phone calls ) If you need more information regarding which accounts I can look that up. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: UT

Complaint narrative:
My lender has not reported accurate information to the credit bureaus since XXXX/XXXX/2016, they are still showing i have a balance outstanding even though i have paid in full since XXXX/XXXX/2016. This caused me to be denied credit and denied a mortgage since my potential lender was showing a balance owing making my debt to income ratio wrong.

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 2016-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been receiving daily calls from this company for several years now. Often I receive several calls a day which I believe violates the FDCP. The message left stated that I had an unpaid debt and that it I had to call to discuss the matter. This company uses several hundred different numbers and the calls seem to be robocalls. I looked the numbers up online and discovered that this is a debt collector known for fraudulently attempting to collect zombie and/or non-existent debts. 

I have and have never had any debt. I do not owe anyone any money. I will not be sending this company any money. I have checked my credit reports and there is nothing about this alleged debt on any of my reports. I have put a fraud alert on all of my credit reports as a precaution. In addition, I have never received anything in the mail regarding this alleged debt, which leads me to believe that this company does not have my contact information and is phishing for the purposes of committing a fraud.

Company response to consumer: Closed with non-monetary relief