vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Americas Car-Mart, Inc.
State: KS

Complaint narrative:
On XXXX XXXX, 2014, I purchased a standard used XXXX XXXX from America 's Car Mart Inc. in XXXX, TN, for {$14000.00}. Today the XXXX XXXX XXXX price is listed at or between {$1500.00} to {$1700.00}. The annual percentage rate extended to me at the time was at 15 %. I 'm currently financing the vehicle in-house through America 's Car Mart. Since purchasing the vehicle I have made all payments on time ; however, I simply can not afford to continue making these high payments. For the first 3 months, I paid {$310.00} dollars every 2 weeks for payment, I currently pay {$240.00} dollars every two weeks for payment. I have 38 more payments before my last payment is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 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: Ditech Financial LLC
State: FL

Complaint narrative:
The company involved here is Ditech Financial LLC, previously known as Greentree Financial. 
On XXXX XXXX, 2015 I started receiving collection notices for a loan I did not take out. This occurred several years after I thought the issue was resolved. Therefore, I filed a complaint with the CFPB about this collection attempt. That case number was XXXX. After my last communication with the CFPB and the company stating what I expected to happen, I received no further collection action or communication from either. At that point I believed the problem was resolved. 
About a week ago. I received a XXXX from Ditech Financial LLC for {$1700.00} of debt discharged. When I called Ditech Financial LLC they told me the account was closed and that they would not change or recall the XXXX. Since I did not pay them any money, I do n't know how they discharged the loan but someone must have paid it off. As was covered by the previous case cited above, I did not owe this debt and had never done business with Greentree or now known as Ditech. 
This XXXX will adversely effect my taxes which will be the same thing as paying this debt I did not owe. Since I did not owe or pay the debt but someone else did, that someone should get this 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 2016-05-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
during separation my husband was to pay the mortgage per court order. He did not, I did not know until the mortgage was 1 year behind at that point I tried to get assistance from the lender and a loan modification and government funding to assist with the arrearage ( I did rec. that approval ) the lender - Ditech/Greentree is running me ragged and not communicating with me. I can pay this mortgage but I need to get approval so that the funding I have rec 'd can be released. Summary Judgement has been ordered and I am in process of foreclosure. I can not get the lender to communicate with me if I can get a loan modification and I have all of the emails, faxes and recording of phone calls.. I 've been getting a run around for months and can not get any straight answers. I am desperate, I am a mother of XXXX small children and I need help. I can not get any help from Ditech/Greentree and I am pleading that you will help save my family and my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We had received an approval for a short sale with GreenTreeXXXX the buyer did their inspection and issues came up on the report. I alerted my closer at GreenTree ; XXXXXXXXXXXX, about the property report, and the buyer wanted a reduction in the price to cover the repairs ; and he told me that XXXX will not reduce the purchase price so I need to close with the approval I had. I contacted XXXX and they asked that I forwarded the property report to the servicer and they will forward my request to them to review it. I emailed me : XXXXXXXXXXXX, the reports and the addendum asking for a reduction in the purchase price. The closer XXXX XXXX, refused to forward the email to XXXX. I requested multiple times and my request went in vain. I decited to circumvent the servicer and email everything XXXX. This was when I received an email XXXX that my file wad cancelled in GreenTree negation system XXXX went ahead and reduced the Value to XXXX less although GreenTree refused to submit what XXXX had requested. This seems to be a practice of GreenTree to force you to close. I need my file reopened so I can close on this sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Scott Fetzer Financial Group Inc.
State: VA

Complaint narrative:
Receiving automated phone messages from a company identifying itself as a collection agency for United Consumer Financial Services Company. A loan with that company was paid off in XXXX 2016. I want this company to cease calling my phone. The number the messages come from is XXXX. Attached, please find correspondence confirming the debt is paid in full. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Green Tree Servicing has force-placed insurance after receiving proof of insurance from both the insurance agent and borrower. Multiple calls, faxes and emails have not resolved this issue and they continue to charge their own insurance premium. Multiple voice mails for supervisors have not been returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I completed a loan modification through GreenTree Servicing LLC on XXXX/XXXX/XXXX, they increased the loan amount by $ XXXX to include all the fees, interest etc. After my XXXX payment on XXXX/XXXX/XXXX, they increased my payment by charging me additional fees of {$110.00} each month. Additionally, they added fees to the payoff and/or escrow account when we refinanced in XXXX of XXXX. I tried to talk to GreenTree about this, they indicated it was attorneys fees. They stopped charging me for a couple of months and then started again. I would like to get reimbursed for these charges. I do n't feel them to be appropriate since the loan modification included all attorneys fees, interest and servicing charges added to the principal balance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IA

Complaint narrative:
Greentree Servicing, no Ditech, charges me {$12.00} to make XXXX payment online. It seems to me this has to be against mortgage laws to charge a customer {$140.00} per year to make payments on their online website. They are taking advantage of their customers. 

When I originally obtained my loan it was though XXXX, then XXXX XXXX XXXX. At no time did they charge me a fee to make my payment online. I have no choice who buys my mortgage, so how can they force unreasoble terms on how to make a payment? It is really cheaper for them to hire someone to open maile and accept my check?

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 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NH

Complaint narrative:
I have completed a deed in lieu of foreclosure with Ditech. I completed all the requirements and received a check through cash for keys. All the paperwork has been signed and I have contacted the attorney in charge who states the deed in lieu has been filed and is entirely complete. Although this deed in lieu paperwork was completed XX/XX/2016, they are once again harassing me with letters and phone calls regarding this debt. I have explained to them that the deed in lieu has been completed ( obviously they should know this ... ) and I have a deficiency waiver agreement I received from them. I have told several people who have called me from ditech that this matter is settled and they should not be contacting me. Nobody has followed up and they continue to send me letters, bills, and calls. I recently received a certified letter regarding default on this loan and demanding payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
Our mortgage service provider is Ditech ( formally Greentree ) and we fell behind on our mortgage and had to resort to a Chapter XXXX Bankruptcy filing in order to remain in our home. We then applied for a loan modification after reaching an agreement with the bank and the courts about our repayment program. During the loan modification request process Ditech continuously gave us the runaround by claiming we were missing documents, and then when we would send the missing the documents we were being told they had n't been received. Each time I would call and ask for a name so that I could call to follow up the fax I was making they would n't provide us with the persons name or position with the company. That led to me filing a complain against them with you - Case number : XXXX. We are now being retaliated against because of that complaint. We have been working with a non profit group out of XXXX XXXX called XXXX XXXX XXXX, and our contact is XXXX XXXX XXXX who can be reached at XXXX XXXX to verify what I am about to tell you. Ditech told us ( and XXXX ) back in early XXXX that our request for a modification had been approved, and that it had been sent to underwriting for the finishing touches. They also told us to hold off on our XXXX Mortgage payment because the new mortgage with the new dollar amount would take effect. Then they received notification of the complaint I made against them, and now they refuse to give us any type of answer XXXX way or the other. Each time we call we are told it 's in underwriting and no other information is available. It 's clear to me that this is retaliation and they have no interest in working with us. By telling us to hold off on our mortgage payment we are now in default with the Bankruptcy trustee and our Chapter XXXX plan is being dismissed by the courts which puts us right back into foreclosure. They lied to us and to our representative about our modification status and by instructing us to hold back on our mortgage payment have put us in default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My name is XXXX XXXX, and my Spouse is XXXX XXXX, who is not on the Mortgage, but is a contributor to our living expenses. We were both forced into retirement because of XXXX condition, and would have applied for a Reverse Mortgage, however, we are upside down on the Mortgage. 
We applied for a XXXX Modification with our Lender, Ditech and we were told in a letter dated XXXX XXXX, 2015, that we are making too much money and there are no hardship, simply because we have been using our savings to remain current. DITECH use a technique, to 'GROSS UP '' our Social Security Income of {$1600.00} to {$2000.00} making us unqualified. 
We we questioned this technique, they said in another letter, that XXXX XXXX is the owner and because we are in a Loan Modification, XXXX XXXX will not honor another Loan Modification. 
We obtained our Loan from XXXX Bank, a predatory lender in a XXXX package using the Second Mortgage as a down payment and a 5 year Hybrid Adjustable Mortgage, and a search of our records does not show that the Loan was transferred to Ditech according to the Respa Laws of Florida. 
We have requested that Ditech produced records of the Loan Modification that they are saying we have, also produce the Transfer Assignment of the Loan to Ditech. To date we have not received any response. 
We have also contacted XXXX XXXX to produce the record of a Loan Modification, and have not heard anything as of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Dispute -case number XXXX I have contacted DiTech/XXXX the representative XXXX XXXX, XXXX. She asked me to forward a letter stating I did not receive XXXX Loan Modifications ( According to XXXX XXXX XXXX -XXXX and XXXX XXXX XXXX XXXX XXXX ) . I was told by her to fax a letter indicating that I did not receive the loan modifications. Also, I asked if audio recording can be pulled to listen to the recording on specific dates and times that I called Green Tree and XXXX XXXX XXXX. The recorded lines will indicate the conversation held by a representative and myself regarding any Loan Modification ; especially when my loan was bought by XXXX XXXX XXXX from XXXX. I explained to XXXX ( DiTech ) XXXX did give me a Losn Modification.. I never received an opportunity to make the first trial payment due the fact XXXX XXXX XXXX purchased my loan. 
I have the date, time and name of the representative that refused to honor the loan Modification from XXXX. ( XXXX the way, I did not sign any consent to have my loan purchased from XXXX investor/services to another ) I am requesting the original PROMISSARY NOTE and original documents from all XXXX banks/investors/servicers. 
I have the documents XXXX forwarded to me. DiTech nor Green Tree has not sent any documents. This foreclosure was first initiated by XXXX XXXX XXXX. 
***What link do so use to upload documents? DiTech XXXX XXXX forwarded a document regarding a decision being made as to the letter I wrote stating I did not receive XXXX Loan Modifications by XXXX/XXXX/XXXX. 
My intent is to remain in my home. I just want justice and fairness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 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: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
I sent them a final payment, a restrictive endorsed check for {$25.00} which is legally binding. The terms were that by cashing my check, they are accepting my agreement to delete the account from all XXXX credit bureaus. If they did not agree, they could have simply sent my check back as stated in the letter that was enclosed. I have attached my cashed check and the letter I sent. This was deleted from all XXXX bureaus and have been re-inserted without notification which violates the FCRA 's Notice to consumer, that, " If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ''

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 2015-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
XXXX/XXXX/XXXX I am writing this letter on behalf of the lack of concern, underhanded tactics, a total disregard and disrespect of customers, conduct unbecoming of professionals whose job is to deal fairly and justly with customers facing financial hardships, regardless of the cause of the hardship. 
On XXXX/XXXX/XXXX, I filed a Chapter XXXX bankruptcy in an attempt to get a handle on my debt. I received a letter from Green Tree Servicing LLC, informing me that my loan was being transferred from XXXX XXXX to their company and would be in effect on XXXX/XXXX/XXXX along with my new account number and the mailing address. 
The bankruptcy was discharged on XXXX/XXXX/XXXX, but I kept receiving monthly billing statements and was paying them because I was told that I still had to pay because this was owed and if I did n't, I could very well lose my home. 
On XXXX/XXXX/XXXX, I made a decision to see a credit counselor to try and clean up my credit. When I received a copy of my credit report, both Green Tree Servicing LLC and XXXX XXXX XXXX appeared with the same outstanding balance of {$25000.00}. I requested that XXXX investigate and correct the account. 
I made payments to Green Tree Servicing LLC from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX in the amount of {$3900.00} ( USA Dollars ). I attempted to to speak to Green Tree Servicing LLC concerning the matter, but, I was given the run around and told that someone would contact me but no one ever did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
For the past three years I have been going back and fourth with this collection company name Commonwealth Financial Inc. over a XXXX medical bills that they even said was n't mine but yet this is the third time after taking the bills off they put it back on and as of today once again they said that it 's not mine but it 's on my credit report again but the scary thing is they do n't have my social security number so when I asked how is it on my report I get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: WI

Complaint narrative:
This MEDICAL billings referenced in either XXXX XXXX XXXX original account numbers XXXX or XXXX have been fully paid by The Department of Veterans Affairs, ( XXXX, WI ). Documentation from the VA agency ( dated XXXX XXXX, 2015 ) is proof of payment. However, Commonwealth Financial Systems has improperly reported XXXX or both of the {$810.00} billings as a Charge Off-Collections action to the XXXX credit bureau. The payor is not the patient, but is The Department of Veterans Affairs, VA, ( XXXX ). The XXXX VA office has provided a detailed XXXX-page payment document that clearly identifies the all-inclusive payment to the initial provider, XXXX XXXX XXXX, XXXX, WI. The full payment, dated XXXX XXXX, 2015, is recognized by Federal Law to the INITIAL medical provider, and it is also recognized as FULL PAYMENT to associated medical providers who had provided medical procedures relevant to the care at the XXXX XXXX XXXX. Important : An associated medical procedure is also recognized as a " Packaged '', " Inclusive '', or " Unbundled '' line item on any billing, and page XXXX of the Veterans Administration ( VA ) sheet clearly identifies those line items " are not the patient responsibility. '' In this matter, the VA payment is to the Hospital and separate Medical Providers are to gain their payment ( s ) from the Hospital. This is a MEDICAL issue, and any report of a delinquency ( which is not the case, here, because it is paid ), must include a " Dispute '' annotation if reported to a Credit Bureau. However, Commonwealth Financial Systems identifies XXXX ( or both ) of the Infinity billings a a " Charge Off-Collections '' action without accurately identifying the matter as a Medical Dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
My mother took my son XXXX XXXX on XXXX XXXX 2013 and provided XXXX XXXX Hospital with his Medicaid XXXX card member id # XXXX. The hospital was paid but the dr 's office XXXX XXXX was not and never received any bills from them. I had this account removed from my credit report last year because per Florida Medicaid law when a recipient has Medicaid and provide the hospital with their insurance card they are not liable for any hospital bills from the visit. Per Medicaid they can send the bill for payment

Company response to consumer: Closed with explanation