vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I tried independently due to changes in incomes to seek a modification from my lender. There representative XXXX from Greentree told me I could not until I made about 6 payments on time. I told him I could not do that. I then went to a HUD authorized counselling center called XXXX XXXX in XXXX, Fl. since XXXX of 2015. After working with them it was decided we needed to do a Deed in Lieu. We gave our XXXX XXXX rep XXXX XXXX all information on XXXX XXXX. XXXX has been working with Green Tree and during the ensuing time they have claimed they did not have possession of the files sent although we have proof they have been sent to the contrary. Then when they do, they say they are missing some items. Etc. XXXX has detailed documentation of her back and forth experiences with them. In summary we have done our best and the delays and stalls dealing with Green Tree internal issues has astronomically causing me financial hardship. Please help!

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: Loan servicing, payments, escrow account — 
Company: TCF FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2016 my mortgage was sold by XXXX Bank to Chemical Bank. My XXXX XXXX payment went to XXXX who was to transfer to Chemical. In XX/XX/XXXX I made XXXX payments XX/XX/XXXX and XX/XX/XXXX to Chemical Bank. I received XXXX late notices from Chemical saying my XX/XX/XXXX payment was n't received. I made an additional payment over the phone XX/XX/XXXX to stop the threatening late pay notices ... 
I pay $ XXXX monthly which is more than my regular payment requires. The additional money is not recorded on my loan. No one from Chemical has been able to tell me why or where that money has gone. 
To date I have spoken to XXXX Chemical representatives beginning before XXXX. The first rep took my cell number and promised to look into my account and call back. Never heard from her. The next rep e mailed transaction history which confirmed no account of the curtailment. The remaining XXXX reps still could n't answer my questions and did n't seem to share in my concern about the whereabouts of the additional {$800.00} per month from my mortgage payments. All checks have been cashed ( see attached. )

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 2016-12-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Outsourcing, Inc.
State: MD

Complaint narrative:
I recently received a copy of my credit reports and noticed some erroneous items on my credit reports. Receivables Outsourcing is handling the collection of these accounts. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Receivables Outsourcing and me which entitles them to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Receivables Outsourcing being entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
GULF COAST COLLECTION BUREAU, ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you GULF COAST COLLECTION BUREAU, or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : GULF COAST COLLECTION BUREAU, or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2016-03-06 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I paid the amount owed directly to the conpnay and the collection agency will not remove it from my credit file and keep calling me. I have also provided them with proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: National Home Buyer’s Alliance
State: TX

Complaint narrative:
NHBA took XXXX from me, promised to clean credit, get in a first home buying situation. NHBA have had # K of my hard earned money without anything in return for my money. I received a FHA approval letter up to!! ) K and Conventional up to XXXX but No one in the city where I reside can do anything I must work with a staff person in another state inconvienously so. She has requested many documents every years. I send them she. Half heartedly sent some credit items to pay off then made a thin excuse for not sending anymore. This transaction happened in XX/XX/XXXX .I am soon to turn XXXX in XX/XX/XXXX without a home as of yet. I guess she thought I would go away or die by now but I 'm yet alive and yet working to hold my income higher by yet in the full time employment stag of life.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I know I owe the account for XXXX XXXX which is a payday loan, it is now in collections which National Credit Adjusters are calling me, they are being rude, not allowing me to answer the questions that they are asking and they are talking over me, I do not want to send them anything if I am feeling intimidated, manipulated, every time I ask to speak with an individual I spoke with person they indicate he is not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
I received a call today from a private number, he said his name was XXXX XXXX and he was calling to make an appointment to get documents signed. When I asked what the call was about, he gave me a number to XXXX, # is XXXX with a reference # also. 
When I called them, I was told it was for a payday loan, I told them I had never taken one out with spotloan. They proceeded to tell me if I did not make an arrangement for {$100.00} today or a payment of almost {$900.00} today, they would take me to court.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates
State: MD

Complaint narrative:
Over the past year or so, I have received calls from this company. They do not identify the company, only saying that they are trying to collect a debt for a XXXX XXXX. I tell them that all of my accounts are in good order and that I placed a freeze on my credit reports several years ago because of the data breach at OPM -- OPM in fact sent me a letter saying that my data had been hacked. I ask the agent for the last XXXX digits of the SSN of the XXXX they are looking for, and they do not match mine. Each time, they tell me that they will remove my number from their database -- and then I get another call. At no time have I provided them any personal information, not even the last XXXX digits of my Social Security Number, date of birth, etc. 

On one of the calls, I was told that they were trying to collect a debt for a home security system ( this seems to be a common thread of the complaints against the company that I have read online ). Further, I was given the name of my wife, regardless of the fact that I never have never been married to a woman. I have lived in my house for 25 years and never have purchased an alarm system -- why when I have XXXX dogs! -- nor have I ever contacted any home alarm systems company. 

The latest call was several days ago. I came home and found a voice mail from a " XXXX '', saying that I should listen to the message where no one else could hear. She then proceeded to say that she is trying to collect a debt -- again no mention of what company she works for or what the debt is for. I did not call back this time, because I want to file a complaint with you all so that the calls stop. 

Each time I get one of these calls -- and by now, I recognize who it is, I Google the phone number and read the remarks others have posted about this company, which is Hillcrest, Davidson, and Associates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX ( That " XXXX '' is at extension XXXX ) I do not know if this is a legitimate outfit or if these are scam calls. I would think a legitimate outfit would verify information first before calling -- and I do consider these calls to be harassment..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I did not recieve 30 day notice to dispute the debt and the balance date of the debt is stated XXXX 2001. That makes the debt 15 years old so should have never been put on my credit report. Since I never received a disclosure I ca n't figure out what they claim the debt is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I have medical insurance and should not owe a medical bill, requesting proper validation again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
This is unknown to me, I have disputed this. I do not have a 2016 medical bill owed. I would like to review my signed authorization for this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC
State: NY

Complaint narrative:
The caller XXXX from National Credit Solutions called my place of employment. I asked to remove the number and not to call my workplace and they threaten to call back again and then requested to speak to my supervisor. The gentleman was very nasty, rude and disrespectful when speaking to me over the phone. I simply asked not to call my work place and he continued to say that he was calling back again and threaten to speak to my supervisor. The number I was called from was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
ditech has increased our mortgage despite our XXXX 2016 escrow payment of {$320.00}, which should have been applied to our escrow balance. The subsequent mortgage increase of {$27.00} has been paid timely each month yet we continue to receive harassing telephone calls and unwarranted overdue mortgage statements from Ditech Mortgage Company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Green Tree servicing, My complaint is on Green Tree servicing, on behalf of my mortgage modification. It all started in XXXX 2014 when XXXX XXXX XXXX sold my mortgage servicing to Green Tree Servicing. Since XXXX I have been trying to modify my mortgage with Green Tree and have not had any success. I gave them the proper documents for proof of income and bank statements that they required and months later found out that I do n't qualify and they denied my modification. When I received the denial letter they stated do to the income my wife and I make we do not qualify. They also fabricated my home value stating my home was worth {$230000.00} when I owe {$220000.00} clearly showing I have equity. This is false because In XXXX 2014 when they took over from XXXX XXXX XXXX, XXXX mailed me there appraisal on my home stating that my home was worth {$160000.00}, so how in XXXX can my home go up in value that much. Their other fabricated lie was the amount my taxes was for the year that get escrowed. They stated my property taxes alone was over {$5000.00} a year when my taxes the past few years has only been around {$2500.00}. So when they add these ridiculous figures making it unreasonable to have a payment within their requirements. They gave us XXXX days to appeal there denial and I did and also presented proof of these fabricated figures to present my case. It is now going XXXX days since my appeal and still have n't gotten an answer and since then I have a trial date with them to attend court for a foreclosure. There is people and families making less than my wife and I are and getting mortgages and modifications. To give you an example we are making in the bracket of $ XXXX {$100.00}, XXXX a year. There is also no debt other than a car payment and regular house expenses we can clearly afford a mortgage payment. When we first fell behind a few years ago yes we were n't making what we are and we were struggling. My wife has since finished school and has a good steady job and I have since switched jobs as well with a more stable company and we are with our new jobs for over XXXX. It seems that Green Tree is another bank not willing to help families stay in their homes all they do is lie and find a way to turn everyone down. It 's a shame that our government lets these banks operate like this and steal people 's homes that they worked hard for. My wife and I built this home over XXXX yrs. ago and made our home our family home while raising our children and would like to continue doing so. All I want is a solid real modification and a chance to keep our family home. All I get when I review these mortgage companies negative feedback same story it 's a shame.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NE

Complaint narrative:
I have a home loan with XXXX and Ditech Financial, LLC is the loan servicer. I had an insurance claim on the home and Ditech is holding the insurance funds. XX/XX/XXXX I submitted and Ditech approved roofing repairs to my home. The total cost of repairs was {$8600.00}. Ditech issued half payment ( {$4300.00} ) up front. The repairs were completed and now Ditech refuses to issue the full second half payment. Ditech did issue {$1600.00} in payment. They are currently refusing to release {$2600.00} in funds currently held in escrow to pay for the roofing repairs. At the time the second payment was issued, no explanation was provided. Communication from Ditech is non-existent even though I have repeatedly advised the company to contact me by email or telephone if there is a problem with my claim. As it stands right now, I am personally liable to pay the bill for the roofing claim even though Ditech is holding {$2600.00} in funds to cover this work. Ditech has no dispute resolution procedures and refuses to allow me to speak with at supervisor or manager.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I am writing to cfpb to get help with my home I have a loan with ditech since 2001 who is a predatory lender. They will not work with me on loan. The original loan was XXXX in 2001 they have my payoff as XXXX, It is a manufactured home the county only value the property at XXXX. I think the contract is invalid did not do a lot of stuff promised to us in the contract. I do not want to lose my property. My parents gave me the land that the house is on. Please help me to keep my property I have been trying to get help for years. 
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 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Ditech Mortgage filed Foreclosure on our home in Maryland. We requested a Reinstatement Quote and received the amount on a letter dated XX/XX/2016. The quote was effective until XX/XX/2016. A Cashier Check was sent in the quoted amount. Cashier Check was received in the Law Office on XX/XX/2016 then sent via overnight and received at Ditech on XX/XX/2016. It took Ditech 5 days to tender the check and now they are stating that only a portion of the funds where received. Point being, you ca n't cash only a portion of a check. It is everything or nothing. They have been incompetent thru the whole process. Now they want more money than the Restatement Quote was given to us. 

We need help to deal with these people. Even their attorney 's are very frustrated at their lack of response in this matter. We suspect they are deliberately manipulating the situation to take advantage of our misfortune. 

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 2016-09-09 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was sent money through paypal which I have used in the past and and I was sent money XXXX XXXX to my account the money is appearing on my account but has not been added to the money so that I can withdraw the money. I contacted them and informed them of the situation first I was told that it was a system update that was being done and it would be done in 24 hours. I went today XXXX XXXX and the problem is still listed on my account again I contact Paypal explain the situation and the urgency about getting the money then I am told that there is a bug in the system and they are working on resloving the problem I asked if there was any way the money could be credited since the money was already in the account and I was told no. This is frustrating and may just cost me my job because I had to pay for somethings related to my job I have a child to feed and bills to pay who will take care of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, Greentree Servicing foreclosed on my residence. They provided me with a XXXX at that time. On XX/XX/XXXX, the house was sold to a private party. I have yet to be given a XXXX. When I checked my credit report, they were reporting it as an active mortgage with a balance of {$120000.00}. I contacted them via email requesting that they provide me with the XXXX. They followed up with a XXXX showing no interest paid XX/XX/XXXX. I contacted Senator XXXX XXXX 's office and they sent a letter on my behalf. Once again, Greentree Servicing sent me a XXXX. After the contacts, they have changed the status and dollar amount on my credit report. They are now showing it as " open - collection/charge off '' with a balance of {$100000.00}.

Company response to consumer: Closed with explanation