vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I, XXXX XXXX XXXX am filing this complaint in order to report deed fraud against my property at XXXX XXXX XXXX, XXXX, XXXX XXXX. My mortgage was with IndyMac Loan Services and I started a Loan Modification process with them over 5years ago because my financial status changed and Indymac assured me that if I filled out their Loan Modification application along with my hardship letter and other requested documents that they would help me figure out a solution or give me other options. However, IndyMac never completed my Loan Modification and took a very long time in the process and never communicated with me on the status of my loan modification and then through a lot of late notices after the fact through the courts I found out that my house was foreclosed and yet I was n't served at any time much less given upfront notices or warnings. I never signed any papers or documents much less any waivers and now once again I am facing eviction due to all of the above. In addition, my name was fraudulently taken off my deed, my water bill, my XXXX XXXX bills in which I paid for over 9 years. I was n't served properly and my house was taken away from me and I had no way to turn to and no help because attorney wanted {$2500.00} up front to take on my case. My house was taken away from me without any prior notices and my Section 8 tenant subsidy was also taken away from me by XXXX XXXX XXXX XXXX. Other lenders including XXXX and XXXX XXXX were also involved and still involved because the bills they had taken out of my name including my deed still comes to my house. I want to file deed fraud against all of the above parties. The rent that I collected from my Section 8 tenant was {$1500.00} and yet none of this money was applied to my balance and was taken away from me over 5 years ago as well. This is my true and correct statement to the best of my abilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
This company has put an erroneous entry on my report from XXXX apartments and Fair Collections and Outsourcing. The only verification anyone has received about this entry, is verification of my name and that I lived there, which was never the dispute. I do not owe this charge. This company failed to provide me with the photographs they claimed to have showing the things I was being charged for nor did they provide me the receipts proving they paid out for these charges. No business would pay this kind of charge without confirming the alleged damage and proof of the repairs.

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 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Love, Beal & Nixon, P.C.
State: NC

Complaint narrative:
In XX/XX/XXXX -XXXX a credit card was taken out in my name with XXXX, I did n't find out about this till after I was going through divorce, and had moved out of where I was. I disputed it once i fou d out. I heard nothing back until i got the collection letter from XXXX. I again disputed and requested verification from them. I also coated XXXX myself with them having no information to provide aside account number, and address. A place I had n't been in over 4 years at this time. When asked to prOvid proof of debt, I was mailed a statement with the address I had n't lived at since XX/XX/XXXX. I was then served with a summons from love bealXXXX and Nixon out of XXXX, represented by attorney XXXX in XXXX oklahoma in XX/XX/XXXX. I disputed again, and my dispute was ignored, no verification of debt was given, no signed contract, not so much as a signed credit card receipt. I filed my dispute with court and explained that they have provided nothing to sustaniate the debt. It had to go to court in XX/XX/XXXX, I filed my dispute with the court. No proof was given on court either. A letter from a third party who swears by XXXX business practices says it 's verified, but no evidence was ever or has ever been given. LOVE BEALXXXX AND NIXON CONTINUE to filed motions with the court and a bill that was once {$1100.00}, is now {$2300.00}. They continually try to garnish my check even though my child support was already taking out half of my check. This is XX/XX/XXXX, and they are still causing my life XXXX, trying to garnish bank accounts, and paychecks and have never been required to show one bit of evidence that this is me. They rely on the fact that I am ignorant of the law, and do jot have enough money to hire attorney to fight. I have repeatedly told them this is not me. They will not show any proof, and tells me I have to prove it 's not me. How are they allowed to just take money frim me, and my family with no evidence aside a credit card bill sent to address I was not at any further, and a letter from a third party that neither works for the bank, nor provided any evidence. Please help, they are driving me crazy, I have even offered them XXXX to settle, because I thought there was no other way to deal with this. but they refuse because they can get more through XXXX corrupt court system.and garnishing my bank accounts. I am not able to open an account now, because the levy on my bank accounts made the bank charge me even more fees that I could n't afford resulting in another bad debt., this is causing tremendous stress with my homelife. Please help me. This can not be fair, or legal. If they garnish my check it will not allow me to pay my rent. Which will mean eviction and another bad debt. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I filed a complaint about my Verve credit card backed by continental finance on XX/XX/2016, complaint number XXXX. I filed the complaint because I had provided documentation supporting my fraud complaint to them directly. I reported my card stolen to them, provided the police report, and my letter of incarceration, as well as the affidavit of fraud that they requested I fill out and return. They had removed a good deal of the charges but were still trying to get me to pay {$230.00} before re-issuing me a card and stated that these were late fees. I called to check the status of my fraud complaint and they ( continental ) informed me that the account had been closed and sold into collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am beyond upset about this!!!! I feel like they are giving me the run around and sold the account to avoid resolution. I only held off on filing a complaint sooner because they acted as if they were handling this. I refuse to pay a dime, I wanted my card back!!! that had a XXXX balance at the time I XXXX ... .absolutely sick about this, hours and hours and hours spent on the phone for nothing Continental Finance XXXX XXXX XXXX XXXX XXXX XXXX

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 2015-10-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My daughter passed away on XXXX XXXX, 2015. She died from XXXX. She died intestate, my grandson asked me to be the estate administrator, so I hired an attorney and began the probate process in XXXX 2015. 
after her passing, I found out she had not paid her mortgage since XX/XX/2015.However, I could not take any legal actions ( list/sell the house, discuss issues with the lender ) until the court approved my letter of administration. It took over four months to get the court 's approval. I received my letter of administration in XXXX 2015. 
I listed the property with a real estate agent. She was not able to find a buyer. I recently hired a new real estate agent. he is actively marketing the property. We had XXXX open houses this week. However, interested buyers are very reluctant about entering in to a contract on a home with a scheduled foreclosure of XXXX XXXX, 2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
When we bought this house in 1977 it was not in a flood zone. In XX/XX/2016 Freedom mtg. informed me we were in a flood zone and had " 30 '' days to get ins., my agent said he could not get the ins. that fast. I called Freedom mtg. they said they would make note of that and I said I would have a policy to them as soon as possible. They proceeded to get their ins. and said I needed to pay the premium or they would foreclose. After receiving my policy they canceled theirs, then sent a letter saying they were going to foreclose because I had n't sent them {$140.00} for the time they had placed flood ins. on our property. I paid the amount within the 35 days, in fact I still have 20 days left. I received 12 letters in 2 days saying they were going to foreclose and now they have ordered an appraisal and are going to charge me for that. They are about to drive me insane and I would never refer anyone to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: American Student Assistance
State: FL

Complaint narrative:
I had my student loans down to {$6000.00} 15 years ago and now my current balance is $ XXXX. These are supposed to be low cost loans but I 've been paying 8 % interest for almost 20 years, when interest rates have been at record lows! How can this be justified??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, and through current date XXXX XXXX, 2016 in addition to past years, I have made numerous attempts to resolve this alleged debt with Fair Collections and Outsourcing, including but not limited to contacting XXXX XXXX the compliance representative by both email and mail. I am certain that letters requesting validation were received since I have all the receipts for the certified copies with signature confirmation pick up and signed by XXXX XXXX. As of today, XXXX XXXX, 2016, FCO has failed to forward validation documents of this alleged debt. to me. 
Since I am disputing the amount of charges that Fair Collection and Outsourcing Debt Collection Company is reporting to the ( XXXX, XXXX, and XXXX ) credit bureau they are required to provide validation however they are willfully failing to comply which may violate my rights according to the FDCPA, Federal Trade Commission 15 U.S. Code 1692g section 809. Validation of debts. FCO has failed to provide adequate validation of this debt and has not responded to written request to validate this alleged debt for alleged debt account # XXXX. I requested FCO to provide to me, an itemized monthly so that I could see exactly what charges are being applied by the apartment complex in addition to my signature and social security number on documents and a signed lease agreement that proves that I had an actual move in date. 

I am attaching copies of the certified mail tracking numbers along with copies of the email correspondence as proof of your receipt of these written requests, and to repeat, to this day I have not received validation response. I have also included a copy of the only response provided which simply a statement is of counter offer to my original request and does not provide adequate proof of this alleged debt.

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 2015-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I have written to this company and the previous alleged owner of this debt ( XXXX ) XXXX times and I have not received any response and/or verification of this debt. This account was previously owned by XXXX and they have now notified me that LVNV Funding has bought this EXPIRED debt. I verified with XXXX, XXXX and XXXX that this company and the previous company had not verified this debt in accordance with FDCPA section 809 A & B. No signed contract, canceled check and accountings as requested per my XXXX and XXXX letter to verify this debt was ever received. Also, please be advised the STATUTE OF LIMITATIONS for this account has expired. Also, this company allegedly purchased the debt on XX/XX/XXXX. This is NOT the date where the statute begins for an open ended account. This is an expired debt. The State of Nevada has a Statute of Limitations of XXXX ( XXXX ) years. This is an alleged debt from XX/XX/XXXX. As of this date, I still have Not received any paperwork, and/or verification of this debt from neither company the previous alleged owner : XXXX or the new company LVNV Funding , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Had a mobile home loan with Greentree. I divorced and mobile home was awarded to ex wife. XX/XX/2012 I was contacted by greentree that the account had not been paid in over 6 months. I made an agreement to pay the loan off for less than was owed. XXXX was owed, I payed half. In return for payment it would be taken off my credit report. I have tried to get them to comply with there agreement, they will not. Now that it is with Ditech they say they do not have any information on that and they are reporting XXXX written off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau of Lancaster County, Inc.
State: PA

Complaint narrative:
I submitted a dispute to the colletion agency dated XXXX XXXX 2015. The company has not completed an investigation and provided me with any results regarding my dispute. Instead they just submitted the information to my credit report. This is plain harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau of Lancaster County, Inc.
State: PA

Complaint narrative:
Collection Agency of Credit Bureau of Lancaster : I Had a dispute with insurance coverage between an in network and out of network issue that delayed my payment and caused it to be reported to the Credit Bureau of Lancaster. After the insurance issue was settled, I logged onto the credit bureaus web site to make payment, however, I did not have an account number since I was never mailed anything. I called the credit bureau to obtain this account number. I advised them that I needed the account number to make payment. I was advised that the call was being recorded. I informed them that I did not want to the call recorded and that I just wanted to have my account number. The call was already being recorded without my permission. I advised them I did not want it recorded and they advised me that they refuse to speak to me and provide me with my account number to settle my debt without the call being recorded. I am a recently retired XXXX who is well versed in the Pennsylvania Wiretap Act. I proceeded to advise them that this was unlawful under that act and was a felony to record my voice without consent. I am wanting to pay this medical debt that should have never been sent to collection in the first place pending resolution with the insurance company, however, because I did not want my conversation recorded, I have been refused the info I need to settle this debt. This illegal conduct needs to be addressed and criminally investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
My complaint is as follows : ( 1 ) I have verbally requested Ditech to make no telephones calls to me on my job but the telephones call persists. 
( 2 ) Also, my supervisor, XXXX XXXX, the Executive Director of my company has verbally informed Ditech that I am unable to receive calls from them on the job and requested that they stop/cease making telephones to me immediately. 
( 3 ) Ditech refuses to stop harassing me on the job via telephone calls. Furthermore, on XX/XX/2016 at approximately XXXX., Ditech has begun making telephones to me on the job again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I have a loan with ditech that has been pulling my taxes for XXXX municipalities. They have me in XXXX and XXXX county. This has been an ongoing thing for 3 years now. They keep paying XXXX even though I 'm not in XXXX. An easy look at the assessor records would show that I 'm XXXX county. I 've been calling and opening records and they still have n't fixed the problem. I 'm beyond mad about this. I 'm over paying XXXX a month if not more and they do n't seem concerned. I have to step away from work to call and I was told a bunch of times it would be taken care of. I have to admit I just sent them a snotty email about it but I 'm at the end of my rope. Please tell me how to handle this. 
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I have been current and never late on my account. I received a call from the Ditech, the loan servicor, and then a new statement stating that my account was past due since XXXX 2016 and I have unapplied funds. I called on XXXX/XXXX/16 ( 2nd phone call in the month about the same issue ) and they said that they made an error it would be corrected in 5 days which it has n't and my online account is not corrected either.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech bought our loan from XXXX and we did not recognize the new mail thought it was junk mail. We made out 1st payment as soon as re realized we had a new mortgage company 36 days late, and it was well within their 60 day grace period, however they reported us to the credit agencies anyway ( on our 1st payment ), seriously damaging out 15yr run of XXXX+ credit scores. Their envelopes look like junk mail and they know it!

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 2015-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: GMA Investments, LLC
State: NM

Complaint narrative:
Summit Receivables, a collection agency, has failed to honor cease and desist letter by contacting family, friends and employers regarding alleged debt. Agency also misrepresents itself by stating that a check to them was returned for insufficient funds. Company has also failed to send any notice to validate debt. Cease and Desist letter sent XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Previous complaint number XXXX, I submitted a complaint on XXXX/XXXX/2016 stating that I submitted a payment via epay. I have spoke to SEVERAL not helpful service agents. Supervisors XXXX and XXXX both were not helpful at all and never escalated my issue. XXXX finally listened, escalated the issue and my payment was found ( misapplied to another account ) and posted to my account. The payment is held now in an unapplied status and not posted to any monthly payment. It is just sitting there since XXXX/XXXX/2016, although Ditech responded to my original complaint this issue is not yet resolved. The unapplied status has been ongoing since XXXX/XXXX/2016, XXXX is aware and have escalated but the payment is still not applied and on XXXX/XXXX/2016 I will be again assessed another late fee. How is this happening and how is Ditech getting away with it. I work in the " Securities ' industry and the regulations would not allow for any of this without someone being called to the carpet and held responsible for the flurry of misapplied funds. I need this resolved .... Please!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I had a mortgage through XXXX that was paid off due to a class action lawsuit against said bank XX/XX/XXXX. I recently received a paper from ditech stating that I owe them {$180000.00} for this same mortgage. I sent them them a copy of the letter stating that the loan had been paid in full, and they just continue to send me a copy of the original note that I signed. Saying that they 've owned the loan since XX/XX/XXXX and that I owe them now, even though the original loan was paid off XX/XX/XXXX.

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