vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Ditech has received 3 payments from us on XX/XX/2016, XX/XX/2016, and XX/XX/2016 on our new home loan. Payments that were sent in on XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016 we were told that we had not made those payments. Just after our first payment was discovered that they did not receive, they sent us a check in the mail for that amount. Later after we repaid those funds and another payment and then got another check for {$5400.00}. I was told by Ditech that they switched everyone 's account numbers but we were never notified. When I did call, they did not have the correct mailing address in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
We did a mortgage modification or HARP loan to refinance our mortgage with Greentree XX/XX/2014. They added a principle increase on our loan of {$2900.00} and {$680.00} on XX/XX/2014. This was right after we signed the contact for the modification. We were told that this would not cost of anything and were never given a truth in lending disclosure when we refinanced the loan. I am told this is required by law. 
Since this principle increase was added to our account we asked on several occasions what these charges were, and breakdown in writing where they arrived at these figures. We asked several people in several departments over the span of about 5 months. Around XX/XX/XXXX we stopped asking and were unsure what to do next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One N.A . -Alleged Creditor actually a misconduct debt collector who violated Federal Consumer Laws FDCPA. 
My house was stolen by a well-orchestrated group of people from a BK Judge XXXX XXXX to debt collectors - collecting not on a real estate loan but an unsecured debt. The debt collector XXXX XXXX XXXX dba XXXX XXXX, Captial One N.A., XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX servicer of XXXX. 
Please refer to my letter for the illegal seizure of my home - all debt collectors violating FDCPA to seize my home and equity. I was eligible for Quiet Title and was continually bullied and endured Legal Abuse Syndrome. I am handicapped already ; I receive SSI. These people took advantage of my condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Greentree Tree is our mortgage provider every month they call about a late payment and about an {$270.00} lapse of home owner insurance Our insure XXXX has told them our insurance never lapsed! Here is a copy of a similar letter I have sent complaining about their harassment as they have called as early as XXXX and as late as XXXX eastern daylight saving time! This is my final request for you to stop calling my home and my wife 's mobile phone starting on the XXXX of each month ( our payment is always sent no later than the XXXX of each month ) when our payment by contract is only late if after the XXXX! The {$270.00} for home insurance is inaccurate our insurance never lapsed and XXXX has sent you proof of that fact! Acct # XXXX A COPY OF THIS LETTER IS BEING SENT TO THE INSURANCE COMMISSIONER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I made a complaint in XXXX XXXX. Regarding Green Tree Servicingin applying my mortgage payments holding themand claiming that they arenot being paid when I made the complaint with you the filds but the third party of my payee and nod I was not even notified until I pulled title from the title company what is going on pictures my payment for being taken out of my account not being applied to my mortgage my loan modification was approved in XX/XX/XXXX from XXXX XXXX I made my complaint with you they started backdating documents not applying credits over XXXX {$180.00} plus several more XXXX that were true compared to my payee and they are stillcontinuing a hardship on me and I need them to cease and desist on harassing me I have my phone calls they have never ever sent me any document as such I have asked him several times for my receipts on my payments I have my bank statement for being such payments to them they are to be treated with distrust I can not get through to anybody but one person always direct me to a specific person named XXXX XXXX XXXX need you guys to look into this company they by their phone numbers say they are changing their name company name I have not been notified nor have I been notified of it in OD on my own property and they are still continuing taking my friend Fund 's thru my payee and not applying my account gave it to a a company by the name of XXXX Services Incorporated XXXX XXXX California I have never been contacted by themthat might be green trees continues calling me on a regular daily basiswill you get ahold of this company and have some action happen my name is XXXX XXXX XXXX I 'm in XXXX XXXX Californiathey can contact XXXX XXXX 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 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
I made a mortgage payment in XXXX XXXX for the wrong amount. I received a notice that I was late and the payment I made was in the suspense account. On XXXX/XXXX/XXXX I sent the correct amount and sent them a note on their web site to return the {$810.00} in the suspense account. I have called them many times and was told they would sent the funds back to me. 
I received a letter today stating they could not send the {$810.00} back. Checked my account and on XXXX/XXXX/XXXX when they applied the payment the balance was XXXX On my XXXX XXXX statement shows I am owing over XXXX then the XXXX XXXX statement shows over XXXX in the suspense fund. On the payment history on the DiTech page it show my balance went up to XXXX. I called and asked for a correct statement for how the funds were applied and was told to look at my statements. Also it is not possible to refund the XXXX. Also the letter I received to day says only XXXX was applied to principle, what happen to the other XXXX? If I go by the statements I was charged 2 more months of late fees. I need you to send someone to audit the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
i have a mortgage loan with ditech, they owe me {$160.00} for an escrow account overage. it was to be mailed to me by XX/XX/2016. i have received no refund check. the " customer service '' rep was unable to provide any answers. Also during this call i found out that ditech has been stealing the extra money i have been paying towards my principal balance since at least XX/XX/XXXX, under the shroud of " administrative fees ''. again the customer service rep was unable to provide any reason for this. i have never been late or missed a payment ever! i am assuming this is a result of my complaint from XX/XX/XXXX when i had the nerve to complain and ask that my payments to ditech be applied to my account as i 've paid them ( i.e time, account, and amount ). i can prove i have never been late or missed a payment, ditech can not do the same, as per your " customer service '' rep. I demand every penny plus interest to be refunded to my account and this lie of administrative fees, or backed owed money to be removed from my account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
in a letter received dated XXXX XXXX, there is information having ( XXXX being one of the parties name in letter ) that property located at XXXX XXXX XXXX XXXX XXXX, was sold at the Courthouse door of XXXX County , Georgia . during legal hours of sale.However, the Courthouse door of XXXX County Georgia was not lawfully designed as an alternative for sale and was not mentioned in the Notice of Sale XXXX XXXX was able to view in a letter dated XXXX XXXX, 2016 from XXXX XXXX XXXX ( McCalla Raymer Pierce , LLC. ) Also, The letter dated XXXX XXXX it stated XXXX was hereby notified that possession was demanded by XXXX who now owns the property.The letter also stated " If possession is not relinquished Immediately, dispossessing proceedings will be initiated to evict XXXX XXXX the other parties.XXXX also received a letter stating that the landlord has filed a lawsuit against XXXX XXXX and XXXX XXXX received another notice being a defendant and XXXX being Plaintiff ... .Another complaint XXXX XXXX has is if an eviction occurred and XXXX was landlord then all court records including property taxes, tenants and joint surviivorship ownership of property should show evidence that things where handled properly and legally by these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I had a mortage with XXXX for years. XXXX XXXX, they transfered the loan to XXXX mortage co. After a year with XXXX XXXX Ditech bought them out. 2 weeks before loan transfered to Ditech I made a payment of {$5800.00} to XXXX on XXXX XXXX, XXXX. This brought the loan current and a little over. When Ditech started billing me on XXXX XXXX. XXXX they billed me for the {$5800.00} that seamed to have gone missing. I should have started with a clean slate with Ditech. I have been on time and current with every payment since XXXX and refuse to pay the lost money. As a matter of fact, I over pay every month by {$50.00}. I called dozens of time to clear this up and was always assured this would be looked into. I have tried to follow up, left messages and talked to new people again telling me it would be looked into. Not ONE person has called back. The last person I talked to at Ditech XXXX XXXX XXXX told me my account was so messed up he could n't make heads or tails out of it.That was a month ago. Ditech has also been holding checks for up to 2 weeks making sure myself and others go past the due date so they can collect late fees. If the bank sends my check the XXXX of the month and Ditech get it the XXXX, why would they hold it until the XXXX, ( day after due date ) to cash it? This has become a common practice for everyone involved with them. They only take personal and cashier checks, no electronic payments, that enables them to cheat people out of their money.

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 2016-05-07 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: VA

Complaint narrative:
Mead & Associates reported a debt to the credit bureaus without notifying me. When asked for the record of their previous communication, they could not provide the letter. The agency stated that they could not provide the actual letter but had record that a letter was sent and could send a new letter. I informed them that without a copy of the original letter, I had no confirmation that the letter was actually sent and that proper notification was given and that I had no opportunity to acknowledge or dispute the claim. 

I asked that they remove debt from my credit report but the supervisor stated that they could not. I paid the claim so that it would not further impact me and informed the collection agency that I would be reporting them to CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
In XXXX 2015, I obtained a copy of my XXXX Credit report. I noticed that a collection account was being reported from XXXX Firstpoint Collection Resources, XXXX. XXXX XXXX, XXXX, NC XXXX from XXXX insurance. This was the first time I became aware of this debt. While, I did n't understand why this was being report, as I have had additional policies from this company in the meantime. I was never contacted about this debt. I immediately called Firstpoint and paid this debt, as I was very worried about the damage to my credit scores. When speaking to the representative from Firstpoint, I was told to dispute this account XXXX to have it removed. I preceded to submit the dispute. Today, XXXX XXXX, I received the results of my dispute. Firstpoint did not agree to remove the account from my XXXX report. While I understand the responsibility of Firstpoint to report accounts to credit reports, I was not given the chance to take care of this matter before it was reported. I have very good credit scores with the other credit reporting agencies. This collection account is going to cause problems when I try to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I pay my mortgage in 2 monthly installments on the XXXX and XXXX of each month via EFT. My XXXX XXXX payment was applied on XXXX XXXX, but the next XXXX payments have not been applied. In XXXX just after the XXXX payment was sent, I received a letter from Ditech advising me that I needed to take action on my " delinquent '' account. After the first 6 hours on the phone, I learned that Ditech changed the account numbers in XXXX ( from Green Tree to a Ditech number, without any notification ) and they are unable to locate my payments. I have spent more than 10 hours on the phone with them, talking to the same person ( XXXX XXXX ) over and over and every single time it is like it is our 1st conversation. Today I had the misfortune of speaking to one of XXXX XXXX peers, who was just as rude and ignorant as could be. I asked 4 times for a manager before I was put on hold, and then the call was disconnected. I have faxed copies of my bank records to their customer service department and walked that manager through the history. I asked what else I could do to get this resolved and was told it was all on Ditech to finish the research. I did n't hear from anyone for about a week until today when XXXX XXXX, the collections officer assigned to my account, called to tell me my account is now x days past due. No mention of the supposed research being done on my behalf. In the meantime, they are assessing late fees and interest on top of that, and I am at a loss as to what to do. In my opinion, when they could not apply the payment properly they should have returned the funds. At least I would have known something was wrong.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
Mortgage account with Ditech for non-owner occupied dwelling. Property management firm pays mortgage on my behalf. 
XXXX payment received XXXX. Ditech mis-applied payment to another account mortgage company also pays on behalf of another client. Ditech attempted to call me starting XXXX, unfortunately I was on business travel and unavailable. Connected with Ditech on XXXX. After several phone calls Ditech agreed to their error, reversed late charges and corrected account. On XXXX Ditech contacts me again with another claim account past due. XXXX check cleared bank XXXX, hence could not have been past due. On XXXX again after several calls with Ditech they agree to waive late charges. However, on XXXX Ditech informs credit reporting agencies my account is not paid in timely basis, credit score drops XXXX points. Ditech commits to inform credit agencies, but given recent event I have no confidence Ditech will do as commited

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC
State: IL

Complaint narrative:
We have requested identification of original debt for this debt collector. We do not have any open debt that relates to the account # they are claiming. Furthermore - despite repeated attempts for copy of original debt, we have received nothing. We are receiving sporadic debt collections mail, pre-recorded phone calls. This harassment is impacting our health as well as our credit rating and want this to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Freeman fiance XXXX collection agency XXXX from XXXX not XXXX incorrect reporting info and balance on my report for years!! 
Keep reporting info that was settled XXXX loan was paid off XXXX dollars the XXXX loan is obsolete due to the collection rep from freeman came to my home to collect payment after I went to the office to pay on time by check for {$50.00} dollars but was refused!! 

The other case was XXXX ... third party pymt co in XXXX ga XXXX XXXX I bought a XXXX XXXX XXXX paid it off then they called me for a trade but the location was at a different location small, house XXXX XXXX males I went to the main lot lack of trust another salesman found me a XXXX XXXX truck after I signed for it the paperwork was diff from what I got in the mail XXXX on the truck pymt were higher XXXX mo plus the truck had mechanical issues the rep said the parts are rusted in site at that point XXXX REFUSED TO GIVE ME BACK MY XXXX ... this was not only a violation by theft and misleading but a Robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
For many years my wife and I banked with Capital One Bank and the institution it gobbled up during the financial crisis, XXXX XXXX Bank, before that. It has been a profitable relationship for the bank and for the most part satisfactory to us. However on XXXX XXXX we received separate unsigned XXXX snail-mail letters sent from an unidentified Capital One office in XXXX, XXXX, announcing that they were closing each of our accounts with no explanation. They claim, erroneously, that we agreed upon opening the accounts that they had the right to close it ( in fact, they took over the account from a predecessor bank ). However, we have no desire to contest that claim or to bank further with a company that treats customers so shabbily. Both accounts were in good standing and had ample funds on deposit. A {$5000.00} line-of-credit attached to my account, also in good standing, also was closed. By trackable express mail and also by E-mail I asked the CEO of Capital One to have someone contact me or send an explanation but received no reply. I asked the manager at the branch in downtown XXXX where I conducted most of my in-person business, but he was clueless and referred me to a customer service phone line. I spoke to several people by phone in that customer service center, squandering a great deal of time. A case number was assigned and each one promised to have a higher-up contact me. But nothing happened. I believe I\we each deserve an explanation. I am aware that Capital One is one of the sleazier financial institutions in the country, having paid XXXX of dollars in fines for unlawful corporate misbehavior. But in this instance their behavior is simply irrational, though probably not illegal. Why would a financial institution shut the door on a paying customer in good standing? What sort of judgment does that reflect on its corporate leadership?. If it received information from a government or a private source about activities on our parts that could affect them, are they not morally obligated to share that information with us, their customer? We have moved our accounts to another bank but we insist upon a written explanation signed by a responsible official from Capital One Bank as to what information or action caused them to act in such an offensive and disruptive way.. I want them to share with me any and all information so that if it is in error, we can attempt to correct it, and if I or we have done something that concerned them there is an opportunity to address that action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
XXXX XXXX from a group called Premiere has been harassing relatives and friends regarding an outstanding debt they say is owed by me. I have requested a " Validation of Debt '' and they refuse to acknowledge or forward anything to that effect. They continue to harass and threaten or give me any other information. PLEASE INVESTIGATE THIS GROUP. The only number I can get for them is XXXX. There are numerous lawsuits against this company. PLEASE STOP THEM

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