vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
ditech issued a new format billing statement. I believe that my loan may have been transferred to the XXXX XXXX billing platform. 1. a XXXX payment is recorded. I do not know what this represents. 2. the " address on the front of the statement '' now states XXXX XXXX XXXX. 3. I do not know who are the members of the ditech financial LLC. 4. I do not know the State of California business license number. 5. I do not know the actual name of the firm incorporated to do business in the State of California. 6. I do not know the name and address of the registered agent in the State of California. 7. I do not know if my loan is being processed thru the XXXX XXXX platform or if my loan is being processed through the GreenTree or ditech platforms. 8. I do not have a hand-off statement from ditech. An acceptable hand off statement will correlate a ) old-new account numbers, b ) principle balance, c ) escrow balance, d ) property address, e ) parcel number, f ) liens known at the time of the transfer. 9 ) the current state of escrow payments should also be shown in order to know the cut-off date for payments made through the old and the new billing platforms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I have been unemployed since Late XXXX. I applied to Green Tree Servicing my mortgage company in XXXX for mortgage assistance for my FHA loan. I was denied assistance even though i provided proof of unemployment. I appealed and was again denied and told that i was in not in immediate danger of default. I am concerned that no matter what paperwork i provide Green Tree intends to foreclose on my home. I was told that i qualify Unemployment forbearance by XXXX Green Tree Account representatives but when i asked for details i was told to wait for a final decision by loss mitigation. I m now on the XXXX account representative and i still do n't have a decision. i was able to stay current on my mortgage up through XXXX. It is obvious that the mortgage company makes a practice of advertising HAMP and HARP programs while intending to push everyone to a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
On XXXX/XXXX/XXXX I mailed via CERTIFIED mail, the XXXX XXXX mortgage payment of {$990.00} to Ditech for loan number XXXX ( Addressed to : Ditech, XXXX XXXX, XXXX Ca. XXXX ) It arrived on XXXX/XXXX/XXXX and no one signed for it, it was returned to XXXX and then sent back to Ditech, it arrived on XXXX/XXXX/XXXX and no one signed for it. I called Ditech on XXXX/XXXX/XXXX after I discovered both payment we had sent via certified mail had not been signed for, XXXX ( ext XXXX ) could not say why. I went online and paid for XXXX mortgae, but as I am in a almost 2 year dispute with this loan ( They say the loan has a {$290.00} back owing, but they have never been able to point to where this originates from, and I have paid in full cancelled checks for every mortgage payment ), so she told me to hold on paying this XXXX and she would call me back. On XXXX/XXXX/XXXX I received a statement that says I owe {$3000.00} with {$700.00} in suspense, I tried to go online and make a {$990.00} payment for XXXX, but the electronic payment amount is prefilled in as {$1900.00} and will not allow a lesser payment, so it does not allow you to use the " Funds in Suspense ''. I called and left a voice mail for XXXX, who has never called me back. I also now have a late fee for the XXXX payment they refused to sign for. I do not owe anything but the XXXX XXXX payment as of this date AND that is ONLY because they did not sign for the certified mail. They have NEVER been able to explain where the {$290.00} originated from.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
I went thru the process of deed-in-lieu win XXXX. My house was financed with Greentree Mortgage. One department would tell you to make your payments or your deed in lieu would n't be approved. After several months of this, I found out that was not true and my credit was ruined anyway. I could have saved the money and fed my kids. So in XXXX XXXX, I received a XXXX. The tax accountant filed and I thought I was done. Then on XXXX XXXX, XXXX, I received a XXXX from Ditech Financial for XXXX. First, is the deadline to send not XXXX XXXX? Now I have to go back to an accountant and pay additional money to amend a return. I do n't understand why it took them so long to send and why I keep losing money after the shame of having to give my house back due to a horrible divorce.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
This is in regards to my second mortgage account # XXXX, that I had with GreenTree. Green Tree sent me a letter stating that my loan was eligible for loan forgiveness and I was working with then to get a lien clearance on the loan. This Loan was transferred to ditech and they started harassing me with their letters. ditech should be working on forgiving my loan and issuing a title clearance on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
My mortgage was purchased in XXXX by Ditech. Since the purchase, I am having a very difficult time getting my mortgage payments allocated properly. Because I am " ahead '' one payment, they are allocating all of my payments to Principal only. The only way my payments are allocated correctly is if the payment is " late '' ( meaning it is showing up late on their end because they have allocated all my payments prior incorrectly ). I am beyond frustrated. I have called numerous times, I have written to them and still, things are not allocating properly. I have never had an issue with any other previous lender ( and I have had 2 ) and I make my payments via the coupon they send me in the mail ( I tried e-payments but that did not resolve the issue either ). I just want all of my payments to be processed as regular payments with a portion going to Principal, a portion going to Interest and a portion going to Escrow and I would like to keep 1 payment ahead ( I like that buffer ). Thank you for your assistance.

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 2015-10-01 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC
State: KY

Complaint narrative:
I am being called repeatedly because my name is the same as the debtor. I have called and provided the last XXXX of my social and the system has been updated repeatedly, but yet the calls keep coming up to 4 times a day. The issue should have been resolved last XXXX and the phone they are calling is used for my XXXX business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: HI

Complaint narrative:
Ditech mortgage refuses to report account to credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: DAS ACQUISITION COMPANY, LLC
State: MO

Complaint narrative:
This complaint is in reference to case # XXXX. We received a response from the mortgage company back on XX/XX/XXXX which included them issuing us a check in the amount of {$2000.00} and as of today, XX/XX/XXXX we still have not received it. I feel a month 's time is adequate enough that we should have received it by now. 

Thank you!

Company response to consumer: Closed
Consumer complaint received 2015-08-27 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Greene Finance Corporation
State: NC

Complaint narrative:
My recent complaint ending in XXXX was disputed because they referenced an old paid off loan. The loan # in dispute by me is # XXXX. I was not able to " opt out '' of credit life and XXXX on any of my loans prior, even though I 'm an insurance agent myself. This loan is very large now and worth as much as my car itself. Please have them explain my current loan status, not a paid off XXXX from 2014. I understand that the insurance paid by me is purely profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Our mortgage company, Ditech has been sending letters stating that we are behind on our mortgage since XXXX XXXX and has sent a notice of default when in fact we are not behind on any payments. We have spoken with customer service and they verbally acknowledge receiving our payments but will not put in writing what has been stated verbally to us numerous times ( that payment was mis-allocated and pending re-allocation and that they are having problems with their system upgrades. We are in the middle of a refinance with Ditech and are concerned that we will lose our locked rated if the payments they have received are not posted properly to our account in a timely manner. We are also concerned that Ditech will try to foreclose on our home/current loan before correcting their internal problem. We are wondering if this is a predatory lending strategy.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Innovis
State: CA

Complaint narrative:
Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to XXXX and XXXX-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I 've recently received a letter threatening legal action for medical collection accounts that belong to my husband. They have recently been reported on my credit report. There are XXXX accounts, XXXX of them do not belong to me. I am not responsible for his debts and I do n't think it is right for this company to bundle all our accounts into one and go after both of us for each others debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-23 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Sir Finance Corp
State: IL

Complaint narrative:
I fulfilled the agreement to repay loan in XXXX equal payments totaling XXXX. This was a payroll deduction agreement. Sir Finance continued to deduct payments for XXXX XXXX XXXX XXXX more pay periods after the obligation was fulfilled totaling {$460.00}. I contacted Sir Finance after noticing the error on XXXX/XXXX/16. I was assured they noticed the error and the refund check was mailed out on XXXX/XXXX/16. I followed up on Friday XXXX/XXXX/16 and was told to give it a few more days, but asked for my mailing address. This leads me to believe Sir Finance had no intention of refunding the overpayment difference and had I not pointed this out, never would have mentioned it. I paid XXXX in interest on a loan at 95.25 % interest. For them to steal another {$460.00} is unacceptable. I simply want what was overpaid to them or in all fairness pay me the same rate for using my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-13 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: PA

Complaint narrative:
CDs were purchased from XXXX Bank which was acquired by XXXX bank. XXXX was acquired by BNY Mellon. They were never cashed in and have been sitting in my husband 's office. They are in my name with my SS # on the front. BNY Mellon is refusing to honor these CDs. I have attached copies of them to this complaint. We have checked with unclaimed property of Pennsylvania and they have done an investigation and did not achieve resolution with the bank. This is my hard earned money and I purchased these CDs expecting to be paid back. I have the original CDs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
XXXX XXXX sold my debt to Suttell, Hammer, & White. The debt is legitimate. I asked, as per attached letters, Suttell, Hammer & White to cease all collection attempts and to stop ALL contact with me. The company has not only ignored my requests, but has been threatening me with legal action, mailing make lawsuits, tormenting, oppressing, and engaging in false, misleading, unlawful, unfair, and fraudulent practices. I am perfectly fine it this company wants to sue me. If they do, I 'll reply, but they can not continue to act with impunity by violating, blatantly, the XXXX Fair Debt Collection Practices Act, and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 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: OR

Complaint narrative:
I set up payments of {$50.00} with Navient, they stopped taking auto payments. I called to ask about it and did not authorize them to take more than {$50.00}. They charged me {$200.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: D2 Management LLC
State: OK

Complaint narrative:
I am not really sure about the nature of this alleged debt. I received a call today from a lady identifying herself as an agent trying to collect a debt. She knew my name and the last XXXX digits of my SS #. When I confirmed my last XXXX, she went on to tell me that she is calling about a debt that supposedly occurred over 11 years ago for XXXX. I discontinued the conversation and advised me that she may contact by mail. I have no recollection of this debt. My husband called to verify the source and she advised him that a lawsuit would be involved.

Company response to consumer: Closed
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
Did not verified my info

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: NH

Complaint narrative:
I hired the service of my wife XXXX, XXXX XXXX. My attorney contacted AFNI twice and have yet received a response. This is what my attorney requested from AFNI : Agreement with your client, that grants you the authority to collect on this alleged debt. 

Agreement that bears the signature of the al leged debtor wherein he/she agreed to pay the creditor. 

Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. ; XXXX and address of alleged creditor. 

Name on flie of alleged debtor. Alleged account number. 

Address on file for alleged debtor : Amount of alleged debt. 

Date this alleged debt became payable. 

Date of original charge off or delinquency. 

Verification that this debt Mas assigned or sold to collector. 

Complete. accounting of alleged debt ; I am attaching documentation that show proof that AFNI have received documentation from my attorney. 

AFNI is also not authorized to collect debt in the state of NH per this article ( also attached ) : XXXX If you follow the following link and enter AFNI, you will clearly see that AFNI is not authorized to collect debt in NH and are try to collect illegally. 

XXXX Before I sue I am giving AFNI the chance to do the right thing. I will not go away until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: AFNI INC.
State: TN

Complaint narrative:
In 2012, we got XXXX services and had lots of problems with it working correctly. After numerous calls to them without anything being done to fix the problem, we wanted to cancel the service. XXXX XXXX XXXX representative told us that they would send a return box for shipping the XXXX equipment back to their facilities and we would not be charged any bill or fees. They later turned it over to a collection agency when I contacted the collection agency I was informed that XXXX XXXX XXXX pulled it from them, which later I found out they had turned it over to another collection agency. The collection agency representative was not nice at all, telling us to pay this account in full or face criminal charges. This is not a good way of conducting business. I will not recommend XXXX XXXX XXXX services to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I am receiving mailed correspondence for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: FL

Complaint narrative:
I reviewed my credit report and observed that AFNI conducted a hard hit inquiry that I did not authorize. AFNI has previously attemted to collect a debt that is not mine. After I filed a complaint with the Consumer Financial Protection Bureau, AFNI withdrew from attempting to collect a debt that I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Regions Bank close out my account with out my permission, It was a loan on my saving account, my money, I was paying a note each month, upon closing the account they did n't return the money I paid back into the loan, all I want is what is owed to me, .Loan account number is XXXX, it was paid in full and the bank is still asking for more money.please check into this, It 's really sad when your Bank steal from you.Regions Bank in XXXX XXXX , Mississippi . On XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation