vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
The PMI for my mortgage is due to expire XXXX 2015. It is still listed on my XXXX statement. I have tried, unsuccessfully, several times to contact Green Tree to ask about this. The XXXX XXXX individuals that I spoke with on XXXX XXXX thought that I was referring to homeowner 's insurance.. I then asked to speak to a supervisor. My call was forwarded and went to voicemail. I left a brief message, and my phone number, but no one returned my call. I called again on XXXX XXXX and asked to speak to a supervisor. None were available. On Tuesday I returned home to find a letter from Green Tree, saying that I had " orally denied that I owed my mortgage ''. That is completely false! The only thing that I denied was their request to use my office phone number to contact me if there was " a change in my mortgage ''. I tried to call yesterday, but when I refused to answer what my intentions are for my home, as I have done for each and every call, no matter how close together, they refused to put my call through. I have tried sending an e-mail through their secure site, but they will only respond via US Mail. This time, when I did try to use their secure e-mail, it would not go through. They list only XXXX phone number. My phone calls are not returned. I am seeking information about the expiration of the PMI, as noted in my original loan documents, on my mortgage before the XXXX payment goes through ( they only use automated payments ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: HI

Complaint narrative:
Ditect is servicer of a loan and property in hawaii. It is in violation of hawaii state mortgage servicer laws XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: MA

Complaint narrative:
Debt Recovery Solutions of XXXX, NY ( XXXX ) had been harassing me for a debt owed by an XXXX XXXX. I do not know an XXXX XXXX and an XXXX XXXX has never been at this address or phone number. After being informed of this information, the harassing phone calls will stop for a few months. They have resumed again, despite repeated warnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: AUTOMOTIVE CREDIT CORPORATION
State: AZ

Complaint narrative:
Ca n't remember but said it 's been owed since 1999 to Automotive Credit Corporation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I believe that I am a victim of predatory lending. I have asked several times that my mortgage company Ditech who is servicing my loan for XXXX to provide me my original loan documentation to me for the last six months. As of today I have not received them. I found out last year that I have a 2nd mortgage that 's a thirty year interest only at 9 % for $ XXXX.This loan was originated in 2007. This is unheard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I have been attempting a short sale for over a month and I still have a foreclosure sale date for XXXX XXXX, 2016

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 2016-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I paid off my home equity loan with Green Tree in XXXX of 2013 based on the payoff amount indicated at the time. Ditech sent me a bill yesterday for {$2.00}. When I checked my credit report, it appeared that the charge was made up recently as I was never sent a bill before now. Their rep said that the charge was for interest even though I paid the loan back in full. Now my credit is going to be negatively affected over a charge they ca n't even justify. XXXX, their rep, claimed I was charged because I did n't close the account. I have always paid my bills on time and am devastated that they would harm my credit without even contacting me first.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Today i went in to pay my loan, and i wanted to renew it and the lady said no because i told her about a month ago that i maybe moving to florida if I 'm able to save up by XX/XX/XXXX. but i do n't have the money to move so I 'm just gonnna move in with my mom until tax time. But she told me that she will not renew cause she put it in the computer that i was moving but that was rude and i will never walk in there again. i need the manager. AND also they keep sending me txt telling me to renew

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tormey Bewley Corporation
State: NM

Complaint narrative:
The Advantage Group , Inc. Is trying to collect a debt that was settled back in 2012. This Collection company bought a already paid debt and has violated my rights in several ways. They are as follows : I was never given the right to even question let alone settle this debt with the Advantage Group, INC. 
I was never contacted in writing or by telephone about owing this debt with the Advantage Group, INC. they are not the original vendor and were required to contact me directly in regards to this debt. This was never done by their agents after purchasing a false debt. 
I discovered the debt through credit monitoring not because of the advantage groups attempt to collect a debt through proper notification. This alone violated my rights. 
The Advantage Group contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights also. 
This debt was paid directly to XXXX XXXX for service they rendered to XXXX XXXX at On Call Doctor in the month of XXXX 2012 ( SEE XXXX card receipt ). 
Furthermore ; I had no responsibility to XXXX XXXX XXXX to pay any additional fees when visiting the on call doctor 's office. The Advantage Group, Inc. is also trying to charge an interest fee to a disputed fee of {$170.00} from the original billing from XXXX XXXX. In the months in their response to Consumer protection were the months that I did deal with XXXX XXXX in regards to their erroneous billing. The Dr. office was paid for any and all services at the same time of my visit. 

The collection of any debt needs to notify the accused debtor and that same debtor has the right to dispute it. I was never given that right with The Advantage Group XXXX XXXX. They have never sent me any proof of their attempt via U.S. Mail that I owed the XXXX XXXX debt.

Company response to consumer: Closed
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
We were in Bankruptcy and home loan with green tree! As, of XXXX XXXX United States bankruptcy court XXXX district Ohio XXXX division Judge XXXX XXXX XXXX sent copy of " Order granting trustees motion to determine final cure and payment of mortgage ( Doc. XXXX ) Served via regular mail : Green Tree Servicing LLC. XXXX XXXX XXXX XXXX XXXX, SD XXXX. 
On XXXX XXXX 2015 I was now to pay mortgage payment to Green tree since bankruptcy was over in the amount of {$1100.00}. I paid {$1100.00} on XXXX/XXXX/2015 n {$5.00} on XXXX/XXXX/2015. Payments received.XX/XX/XXXX I receive monthly billing statement for amount of {$5800.00} stating account severely delinquent stating no payments made for XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX and XXXX/XXXX/2015. The bankruptcy courts paid thru XXXX 2015 payment. The final cure shows paid in full. I paid XX/XX/XXXX payment they even thanked me on XX/XX/XXXX bill for amounts paid and I was holding XX/XX/XXXX bill in my hand and they printed it was not paid. Really seriously makes no since. We hired an Attorney to clear up this matter in XXXX 2015 he sent letter to Ditech whom took over Green tree with no response. On XXXX XXXX, 2015 and XXXX XXXX our Attorney sent more letters still no response. I have called written letters pleaded for someone to help us but to no avail has anyone been helpful. Our credit report shows we are delinquent 90 days or more to Ditech. XX/XX/XXXX monthly statement now shows no amount for current payment amount due. ' This is not a bill. This statement is for informational purposes only. Please pay bankruptcy trustee or Ditech. Omg!! Our billing statements now are being sent to our Attorney address which they wrote incorrect but he still receives them. What is going on with Ditech please help us resolve this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I am 30 days behind, but I have but I have been making payments so I do n't get 60 days. They put in default for late fees I am not 60 days. How can they put me in default for late fees.? This company calls XXXX times a day. They customer service callers a threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
GreenTree/Ditech Loan # XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXThere are numerous issues with this short sale file:1 ) Loss mitigator, XXXX XXXX XXXX claims that Green Tree and Ditech are XXXX different companies -- - they are not, they just changed their name - this is extremely deceptive and this is what they are telling people that call in. XXXX 's intimation to us was that any illegal acts that Green Tree committed were water under the bridge as Ditech is a different company - this is quite possibly XXXX the most ridiculous things I have heard. 

2 XXXX Green Tree/Ditech - illegally threaten our sellers and told them they had to vacate the property prior to the property being foreclosed on. They did this on or about XXXX 2014 claiming that they ( XXXX Tree/Ditech XXXX owned the property -- - our clients do not speak XXXX were bullied into vacating the property, this is something the Green Tree/Ditech has a history of doing. 

3 ) Green Tree/Ditech then continued to postpone the auction -- - they did not own the property as they has told our clients, and continued to fraudulently collect servicing fees XXXX -- - defrauding the XXXX taxpayer and the federal government. They claimed that the postponement was due to our clients bankruptcy .... Unfortunately for Green Tree/Ditech, this is yet another lie as the BK closed over 1 years ago. -- - this is a wide spread problem with Green Tree/Ditech as is evidenced by the XXXX complaints online. 

4 ) In violation of State and Federal statutes, Green Tree/Ditech did not reach out to the home owner and the homeowner only became aware that they still owned the property when a notice of trustee sale was issued on the property. I find it rather disgusting that Green Tree/Ditech would think it is ok to do this to a XXXX family only because they a ) do n't speak XXXX well ; and b ) do n't have the means to fight. This is a disgusting practice that they CFPB needs to STOP! 

5 ) We request that the CFPB ask Green Tree/Ditech why they would lie to a home owner and tell them that they owned a property when XXXX Green Tree/Ditech XXXX did not. Why they would not contact the homeowner for workout options. Why they would continue to collect servicing fees from a federal entity for over 1 year XXXX they already owned it ... or so they told the home owner ) without foreclosing increasing urban blight and defrauding XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Never received a bill from these people. Recently applied for a credit card and was denied due to past due payments. Pulled a copy of my report. This charge is dated XX/XX/2016. I have no medical bills from that time. Have written a letter to creditor requesting information. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
My son XXXX was treated for XXXX at XXXX Hospital on XXXX/XXXX/13. At the time I was unemployed and had no insurance. One of the nurses suggested we apply for XXXX because I was unemployed. 

We submitted all requested documentation to the XXXX vendor the hospital used and were told by one of their representatives that our application had been approved. 

Two years later, XX/XX/2013, we received a notice of Lawsuit from the law firm of XXXX, XXXX, XXXX on behalf of XXXX Hospital for {$1000.00}. The full amount of my son 's treatment. 

I contacted the hospital and I was told that my XXXX XXXX Application had been lost. That they had been using an outside vendor and the hospital was forced to terminate their contract due to many errors. I asked if they would honor my original application and they declined. 

As a compromise, I offered to pay {$600.00} to settle the account and the person I spoke to agreed to my offer and I made a payment of {$600.00} via debit card. I later checked with the law firm and with the court and they confirmed that the lawsuit had note been pursued. 

There was no further collection activity of any kind for another 3 years until I received a collection letter from Certified Credit & Collections Bureau on behalf of XXXX for {$490.00} which is the balance I would owe from the original bill. 

I have done everything possible to honor the debt as best as I could. The hospital has carelessly and recklessly perpetuated the collection of this debt for almost 6 years. This has been a very frustrating experience for me and my family at a time when we are under financial stress. 

I believe this account to settled and it is unfair that the hospital is engaging in these predatory practices. We believe that the debt in question has been satisfied and we should be considered settled.

Company response to consumer: Closed
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
On XXXX XXXX I reviewed my credit report and found there was a collection account placed on my credit report from Commonwealth Financial Systems. I filed a dispute with the XXXX credit bureaus in writing on the same day. They updated the account with the XXXX credit bureaus but never provided me with documentation on the debt being mine. The credit reporting agency XXXX gave me a telephone number to reach them because there was nothing else for them to do. I called in XXXX and spoke with XXXX XXXX. He told me that the bill was for someone else who was a minor at the time. I stated that this was not my child nor was I in any shape or form responsible for this person. He stated he would request the medical records/discharge papers to see who signed for this child and to call back in a week. I called back and spoke with XXXX XXXX on XXXX and he stated that the information had n't been received by the client as of yet. I also explained to him that the child the bill belong to was a foster child and a ward of the state he told me to get something in writing and that they would rectify the matter because they see this often with social workers. Then on XXXX XXXX I called back to see if these medical records were received and was told they are waiting on the client to get back to them. On XXXX XXXX I submitted a letter to Commonwealth Financial Systems from the agency stating that this child was under their care. On XXXX XXXX I was told that my account was placed on hold and they would reach out to client relations to find out why. Today XXXX XXXX I spoke with XXXX who was condescending and stated she would hang up on me. She also stated that she has to reach out to the client to obtain the information. They are in violation FCRA laws by reporting a debt that in not mine and harassing me with consistent stall tactics. They also violated the 30 day rule in which they are to provide proof that the debt is valid through investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
After several attempts of trying to legally communicate and validate a debt that Ability Recovery Services is trying to collect they are negligent and less than professional in responding to the issue. 

Ability Recover Services has reported to my credit report without validating a debt they purchased. It has come to the point that it is just harassing them avoiding the issue then dealing with the matter. 

They are using a false instrument 'contract ' which does n't contain my signature. This contract also is a contract for a period of " 2 '' months. There report to the credit bureau 's state the XXXX delinquency as of XXXX/2014. 

1. I have provided proof of payment for months including the month XXXX/2014 they claim late as report to the credit bureaus. 
2. I have fully satisfied this contracts " 2 '' months agreement and vacated premises before XXXX/XXXX/2014 with proof of payments3. Within the contract " Customer agrees to all terms listed below '' must give 10 day notice in writing before vacating ... Please provide a copy of the letter I submitted. 
4. Provide me a real document containing my signature " XXXX XXXX ' not someone else 's signature. 

I will advise you at Ability Recovery Service to run your business in a professional manner, you on going XXXX word replies and being stupid are getting rather lame to me. Please provide FACT proof to your so called collection or get it off my credit report. 

I have submitted documents with this complaint ; 1. The false instrument 'contract ' you submitted to me that does not contain my signature. 
2. Receipts of payments for the debt you 've reported to the credit bureau 's ( receipt XXXX XXXX rent ) Paid3. Copy of Credit report for the month of delinquency XXXX/2014I have validated your claims " invalid '' and have satisfied this money you so called seek with the information above. I will not submit anything with my real signature to you to avoid anymore fraudulent activity. 

My signature proof will be submitted if need be to the Attorney General with such item 's as:1. car registrations2. Checking account checks3. Deed to home purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
This company never validated the debt and this needs to be removed from my credit report. I am now being harassed by another company XXXX XXXX XXXX. You can not owe the same alleged debt to XXXX different companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
I was checking my credit report and Ability Recovery Services placed XXXX collections on my account which was supposed to be paid by the insurance company and for which I never received a notice or bill for. When I contacted Ability Recovery Services and asked for a copy of the debt they sent me a XXXX word generated letter and not a copy of the bill from the original creditor which is what I asked for.I again asked for verification since the original creditor had no record of the debt instead of a copy of the bill from the original creditor I received a letter from Ability Recovery Services which had no letterhead and a word document about the debt.The bill was covered under XXXX but the companies refused to resubmit it and XXXX has no record of it being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
They call constantly, but will not leave a message confirming which debt I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Commonwealth Financial Systems ; Collection Reported XXXX ; Assigned XXXX ; was disputed with another collection company by the name XXXX XXXX for {$360.00} ) XX/XX/XXXX and deleted because it was identity theft, after sending them all the paper work I was told by the XXXX that my information was not on file, I have proof of the fax and they should have proof of the phone by law! this should be a illegal collection act! AND I WAS NOT CONTACTED BY THIS COMPANY I HAD NO IDEAL ABOUT THIS DEPT, THAT THEY PLACE FOR COLLECTION THAT WAS WRONG!!!

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