vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I have submitted a PMI cancelation letter to Green Tree, and they denied, even thought my loan to value is already 79.89 %. My understanding is that once the LTV reaches 80 %, I can by law requires the cancellation of the PMI. 
Green Tree point out to me, in the letter that I attached, that : A minimum aging ( seasoning less than 2 years ) is required for my account, and the loan to value need to be 75 % or less. 
The date that my mortgage is schedule to reach 75 % is XXXX/XXXX/XXXX. 
My closing paper said I can cancel my PMI when loan to value is 80 %, and their escrow department sent me a letter saying I have the right to request the PMI to be cancelled on the date that loan to value is 80 % or lower. Green Tree never mentioned anything about minimum aging or loan to value need to be 75 % or less. 
I would like to ask the CPFB to assist me, in order to have my problem solved. Basically I would like to have my PMI dropped from my mortgage, and any extra payments that I have sent to Green Tree, starting on XXXX XXXX, in case this problem takes a few months to be resolved, to be refunded back to me. 
I appreciated your attention, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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: Debt Recovery Solutions, LLC
State: MA

Complaint narrative:
Unknown company and unknown debt, please help I have disputed this and nothing has come out of it.

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 2017-03-16 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I received a voicemail stating the following " XXXX, My name is XXXX, i am reaching out to you today as a courtesy in regards to documentation that was placed attached to your name and social security number i have to review this matter and i want to give you a chance to provide a statement on your behalf prior to my recommendation being made. it is imperative i speak with you to discuss this matter further i can be reached directly at XXXX and when returning the call please refer to reference number XXXX ''. I contacted this bussiness back to see what this was concerning and the party i spoke with stated i had a debt that was owed and was pending trial. He stated they would be sending my information to an attorney and i could dispute it then. I explained i would like him to notate that i am verbally disputing the debt and that the statue of limitation to collect on this debt had past. he continued to talk over me and stated i would have my day in court and could do so then. i explained that i would like to speak to the attorney handling the case. He refused to give me the information i asked for. I asked for the oringal creditor information and he stated he did not have that info and they would not speak with me. During this time he did not provide a meaningful disclosure or the mini miranda. I asked mutliple time if he was a debt collector and he refused to answer my questions. He became upset and terminated the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25 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 was steered towards forbearance when I explained I was having trouble paying loans. I was informed via email that my new loan servicer was Navient, I ignored the emails from Navient because I thought they were fraudulent or phishing. I had never heard of the company. A friend had to tell me it was a real company and my loans were most likely no longer under XXXX and that 's why I had n't heard from them in a while. This resulted in late payments because the forbearance period had ended. Additionally., I was only given XXXX bill every month it was not broke down to show a payment for each of the XXXX separate loans., However, when I missed payment a late payment was reported to the credit bureaus on each of my XXXX loans resulting in XXXX reported late payments. In my records I missed payment on a bill 8 times. This is misleading and the extent to which it has damaged my credit is only repairable with time. 

I have attached images of how my bill comes to me every month & how a payment is displayed only showing XXXX numerical amount, not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Our Mortgage was sold to Green Tree Servicing in XX/XX/XXXX in the process at the time we was in chapter XXXX and I talk to someone at Green Tree and I ask them once we become discharged can they refinance my home because our APR is 10.50 and she said they will see well we was discharged in XX/XX/XXXX so we had some hardship my husband lost his job XX/XX/XXXX they gave me a deferment but the problem with that was my husband is a truck driver and the weather was bad last winter when he found another job so I had pay things by myself so I get tired of Green Tree sending people to the house trying collect a house payment so XXXX XXXX I talk to XXXX XXXX at XXXX XXXX XXXX and she talk to Green Tree trying get our house payment modified but they said they could n't do it because our home is XXXX XXXX XXXX and they do n't do government loans and we had to do in house get our home modified and the lady we need talk too is XXXX at XXXX EXT XXXX for modification and she the only person that can handle I call this lady about XXXX times a week and leave message but she do n't return no calls so I spoke to someone at green tree and the answer they gave me is keep trying because she the only person that can handle my loan please look into this for me because it do n't showed on my credit that I do own a house my account representative is XXXX XXXX at XXXX ext. XXXX account number is XXXX and I be talking to her so I ask for another deferment to catch our payments up and her manager did n't approved it they tried place me on payment plan to pay XXXX for XXXX months I ca n't afford that my payment a month now is XXXX the reason why they did n't approved it because we not facing any hardship and they hate waste a deferment when we do n't need 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 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
hundreds of people are being screwed by Green Tree/DitechDitech has forgotten to pay our taxes and now insist that we pay a higher mortgage payment.. 
They also hold our extra payments in limbo not crediting them to our accountsWE did NOT choose this lender most of us had our accounts SOLD without our Permission!!! 
wheres the law protecting the innocent people from theses scamming sharks..THEY ARE DESTROYING OUR LIVES ... WHERES THE LAW

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
This company has been very aggressive and have threatened to take legal action with lawyers including garnishing my wages, they gave me recently a deferment that I did not request, I called them last week to scheduled XXXX month over the phone and they wanted to charge me a fee to take my pay over the phone, I said that I will mail it them because I do n't want to pay more fees, they got mad at me and start threatening me again because they have already given me a deferment and I had to pay over the phone, I already put the check in the mail but my phone wo n't stop ringing. They can sometimes more than XXXX times during the day. This has happened many times, and even though we have been late with some of the payments, it 's my intention to pay, I have never denied payment, these people are very aggressive and rude and they and they have to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
As reflected in the attached letter dated XXXX XXXX, XXXX, XXXX states, on its Company letterhead, " We previously sent you a letter on XX/XX/XXXX as a first notice of placing your account with collections with PDQ Services, Inc ''. Their response that it was with another agency to my complaint is completely inaccurate and false. The actual letter sent by PDQ is attached, for the second time, to this complaint as proof to the Bureau of Consumer Financial Protection that PDQ did in fact hold the debt and try to collect on XXXX XXXX, XXXX. PDQ is using ruthless tactics and bad faith when listing the date as occurring on XXXX XXXX instead of XXXX XXXX. This keeps the account listed on my credit report for an additional 2 years as a collection and delinquency -- there 's extending the credit reporting date. PDQ 's possible subsequent re-acquisition date with the dental clinic is PDQ 's complication, not mine, the consumer. PDQ must update the credit file to reflect the accurate date of initial collection as XXXX XXXX, XXXX, not XXXX XXXX, XXXX as it is currently listed on my credit file. Next, as reflected on the attached bill dated XXXX XXXX, XXXX, the account balance is {$490.00}, not the {$370.00} as stated above in their response to my complaint. Once again, acting in bad faith by trying to collection more than the actual bill. How does the Company explain the difference? The bill is for {$240.00}. Not {$370.00}. I will file a separate complaint against the dental clinic. This Company, PDQ, is ruthless and harassing in its collection efforts. Do they inflate the amount owed and prey on consumers that have hit hard times, then later " settle for an amount '' less than the stated value, thereby tricking the consumer? The issues : The Company is purposefully reporting this account as first going into collections on XXXX XXXX, XXXX, after the initial letter written by them on XXXX XXXX, XXXX thereby adding 1 year, 10 months and XXXX additional days to report and collect the debt. The response from PDQ is dishonest and inaccurate when stating they did n't have the collection account in XX/XX/XXXX as the letter written on the PDQ letterhead proves otherwise. This Company must accurately reflect the initial date of collection. Id like an investigation into their billing and reporting practices to find out how many consumers they have practiced these ruthless and unethical tactics with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Green Tree Serviving.LLC .... 
I have been harassed., threaten., account infomation withheld., and Sumomon to court for repo. 
While in bankruptcy., called., theaten me., said I was not in bankruptcy., ,for me to get out of they home., '' We are coming to get it ... '' Sick of fight them..! 
Brougbt in XXXX ... Been fight Green Tree Services until this day ... .Enough ...!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Eagle Home Mortgage, LLC
State: FL

Complaint narrative:
We recently used Universal American Mortgage Company ( UAMC ) that is owned by the builder XXXX. It was overall a poor experience, however we had XXXX issues that were concerning and unethical. The first issue was misrepresentation by the loan officer XXXX XXXX. When she pulled our credit for the loan she told us that my credit score had gone down and we would have a higher interest rate and MIP. This was incorrect - no credit score had gone down, XXXX of the credit reporting bureaus was not reporting and they would have to use a lower score. This resulted in a significantly higher monthly payment than previously estimated. 
The second issue was with the loan processor - XXXX XXXX, who is used by UAMC to process their loan appliactions. They required my husband to call the credit card company and required him to disclose his full credit card number and the answers to the security questions with the loan processor on the phone. If he did not disclose this information then they threatened to deny our loan. 
The final issue was that UAMCXXXX pulled my husband 's credit without authorization. When the issue was resolved with my credit regarding the credit bureau that was not reporting a credit score, it was agreed with the loan officer 's supervisor XXXX XXXX that they would pull my credit score. It was very clear that only my credit would be pulled and not my husband 's. UAMCXXXX pulled both my credit and my husband 's credit. When we found out that his credit had been pulled by XXXX XXXX we contacted UAMC immediately and they would do nothing to resolve the issue. My husband attempted to dispute the unauthorized credit pull by XXXX XXXX, but they would not remove the unauthorized credit pull from his credit report.

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 2015-06-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
In addition to our regular monthly mortgage payment, we make extra principal payments to Green Tree Servicing, and designate these payments as additional principal, as allowed by our mortgage.  Green Tree, however, will not apply these amounts to the principal unless they are exactly equal to the monthly payment.  In the meantime, they hold and use our funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have submitted a Complete modification package to Ditech and on XX/XX/2017 I was denied. I do not agree with the denial letter due to incorrect Income. On XX/XX/2017 i submitted a appeal and request for a second review of which was properly sent and received. I do not agree with the modification decision and my denial letter states that i have the right to appeal the decision within 30 days of the denial letter. I have complied with all the terms of the denial letter and have submitted my appeal to Ditech, however Ditech have not responded to the appeal and have purposely disregarded my loss mitigation assistance appeal and are proceeding with the foreclosure of my home on XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BTH Management
State: TX

Complaint narrative:
This company has failed to provide me verification and validation of debt. This also needs to be update on my credit as disputed. This is not my debt and I am demanding proof of this debt. Also this agency must be license and bonded to collect in the state of Texas. I have attempted to contact this company but continue to go to a voicemail. I need proof this debt is mine. Date of Service something bearing my signature and in general what this was for? The last XXXX of my social are XXXX and date of birth XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11 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: World Acceptance Corporation
State: TX

Complaint narrative:
no verification nor not enough information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I do not recall this debt, please verify. Also, please verify statue of limitations and cease negative reporting to credit bureau.

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 2015-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
In XXXX of 2015 I was told by a Green Tree Rep. that if I were to pay back escrow in the amount of nearly XXXX my mortgage payment would be XXXX per month. I called back the next day to confirm with another rep. that the information I received was correct. They said yes, if I were to pay this then my monthly mortgage payments would be the XXXX per month. I paid by debit from checking account over the phone. This was ALL the funds I had ( employed by local school district so this money was to last until the start of the XXXX school year XXXX. I received my next mortgage bill and it was different by only a few dollars. I called Green Tree and the rep. said that I had been misinformed. I had an emotional break down. They received nearly XXXX dollars from me and nothing. I have not even received a receipt showing where those funds were applied to. I have stopped payments until this matter is cleared up and waiting to hear from legal council.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Mobile/XXXX Home XXXXXXXXXXXX XXXX XXXX, 2016 Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Citibank Client Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : former credit card # XXXX Case # XXXX On Call International We abruptly cancelled our credit card with Citibank in XXXX 2016 because of our experience with your card member services during an emergency situation while on our vacation in XXXX. My husband became ill and was taken to a doctor and within hours had to be rushed to the XXXX XXXX XXXX XXXX in XXXX on XXXX XXXX, 2016 where they informed us that they wanted to perform XXXX on my husband. I went back to the hotel and called the emergency number on the back of the credit card to ask what assistance could be provided to us in regards to evacuating my husband back to the United States for medical care. I was transferred to " XXXX '' with On Call International at XXXX and issued Case # XXXX. After almost an hour with a very bad connection, I was told by " XXXX '' that we were n't entitled to anything because we did n't have a high enough Tiered Card and no assistance would be provided in our time of need. 

The literature and brochures that were mailed to us and confirmed on the phone with your Customer Service Representatives by my husband on several phone calls prior to our trip indicated that we were entitled to wonderful benefits. This is the first time that we traveled outside of the United States and did not take travel insurance out with a legitimate travel insurance company because of what we were being told by your representatives. At the very least we were lied to and misled about benefits with your credit card. 

The reason that it has taken us so long to correspond is that my husband has been in and out of the hospital here in XXXX, XXXX since we returned to the U.S. and has just been released from having XXXX that should have been performed immediately in XXXX if we had been given assistance in getting my husband back to the U.S. We have been out of pocket thousands of dollars and immeasurable pain and suffering because we were misled. 

Disgust with Citibank is about the only way I can describe my feelings.

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 2015-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My lender increased my payment by {$260.00} per month due to what they call a " mis-calculation '' of escrow last year. This amounts to about a 32 % increase of my mortgage payment! This has a major impact on our already tight budget. I do n't see how this big of a miscalculation can take place and then the lender can simply say oops but that 's the way it is and we ca n't help you ... now go talk to your bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Western Collection Bureau, Inc.
State: FL

Complaint narrative:
I am being contacted by Western who represents XXXX XXXX XXXX. They Have placed a complaint against me for a electronic check stating they never received the funds of {$400.00}. They have a Specific IP address, with my Email, bank account ending in a different number and, Address. 
They wont disclose the dates. I can tell you that during that Time I did n't have a Bank account ending in XXXX, my bank account ends in specific numbers that I can prove while I was living at that address. Also that Email they had was never used because I canceled their service after one week due to billing issues. I have no way to pull that account up because I did n't have that long enough to prove it. Being a XXXX veteran I do n't need this harassment, I have seen this Company XXXX XXXX XXXX with numerous complaints for fraud against payday loans stating people took them out when they did n't just to get money from them. They are the ones that stole my information, it is obvious.

Company response to consumer: Closed with explanation