vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I get calls from a firm named Debt Recovery Solutions. When I explain that I am not the person they are attempting to call ( XXXX " XXXX '' ), and ask that they quit calling they tell me that the cell phone number I have, ( XXXX ) XXXX, is not in their database. When I remind them that I am returning their phone call they ignore that and attempt to get personal information. The phone number shown as calling on my cell is ( XXXX ) XXXX. I informed them that I would be making this complaint. They told me that they are recording the call, and I replyed " I do n't care, just remove this number from your database ''.

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 2016-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Loan has transferred from XXXX to Ditech. When loan transferred it stated I had an escrow account for insurance which was false. Never had one. I have contacted Ditech on numerous occasions to correct the issue without success. Ditech continues to try and impose an impound account that did not exist or needs to exist. They admit to having proof of insurance. I am now receiving collection calls and letters. I have paid my principle and interest timely but not not the escrow amount as it is not owed. To complicate matters I was advised from a Ditech Rep they have not even applied my last payment as of XXXX when the check cleared my bank on XXXX. So where did my $ $ go? I am concerned that a report will automatically go to the credit bureau because of an issue they have refused to address and correct. I find I am in need of some assistance to resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: GMA Investments, LLC
State: GA

Complaint narrative:
Summit receivables called my husband about my debt and he is not on card. They called me and tried to tell me I am in a XXXX state and they can collect from him. I am in Georgia so they ca n't. They tried to scare me by saying if they go to court it will affect my husband

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 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: Meade & Associates, Inc.
State: MI

Complaint narrative:
Wrote check at XXXX 's XXXX XXXX on XX/XX/XXXX. It bounced. 
XXXX hired Meade and Associates on XX/XX/XXXX to collect. Once I got the notice I called and made arrangements to pay half on XX/XX/XXXX and the rest on XX/XX/XXXX. They said I would not be reported to the credit bureau with these arrangements. I got a copy of my credit report on XX/XX/XXXX and suddenly there is a paid collection on my account that says this debt was paid in XX/XX/XXXX! This entry has dropped my score below what I need to buy a house. The girl I just talked to was mean and nasty and said there is no way they will remove this entry ever for any reason. I asked her point blank even if you are wrong you will not remove the entry and she said no never. XXXX she told me that the rule was it had to be paid within 60 days of them receiving the debt so I paid the last payment at XXXX days but they told me when I made the arrangements they would not report at all. I was arguing with her and then she says no it is not 60 days it is 30 days from when it turns up in their office. She just kept lying. They found it necessary to send it thru to the credit bureaus XXXX months after I paid it off!!!!!!!! This is XXXX and they need to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2016, XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

I am a XXXX and not sure how this happened. I am in the process of selling my home and getting ready to use my XXXX loan and this is really affecting my credit. I am so sorry for any inconvenience but wondering if there is anything you can to do help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I am trying to refinance my mortgage loan that I have with XXXX. I have XXXX mortgages the XXXX and biggest is with XXXX and the XXXX XXXX and smallest is with Green Tree Servicing. On XXXX of 2015 I tried refinancing with XXXX but Green Tree, owning the XXXX mortgage to my home refused to subordinate the loan with XXXX. I fall under the HARP program but have not been able to take advantage of this opportunity because of Green Tree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I successfully completed a trial XXXX modification program with Ditech from XXXX through XXXX of 2016 ( due to hardship of divorce ). I paid {$1900.00} per month during the trial. In XXXX I received a letter dated XXXX XXXX congratulating me on the completion and letting me know my new monthly payment would be LOWER than the trial -- at {$1400.00} per month! 
I called immediately to check this and was told it was correct. I logged on in XXXX to pay my XXXX bill and the {$1400.00} was showing. I also received statements showing this amount. 
For XXXX, XXXX and XXXX I paid the lower amount ( before it was due, in full, electronically ). 

In XXXX I got a letter saying if I needed help with my payments, I could learn about modification options and that I 've been assigned an account manager ( someone new, not the person who was assigned throughout my trial modification ). 

I called immediately and was told that I was in arrears by almost {$5000.00} and that I had to come up with a lump sum to get current. Yet, the collections department ( where my " new '' account manager sits ) did acknowledge the letter that came AFTER my modification, they claim my notarized modification paperwork was for the higher amount and that I KNEW I should 've been paying it. I confirmed they had the post-trial letter saying AND BILLING STATEMENTS showing the lower payment amount. 

I have been calling them repeatedly for the past week or XXXX to get this rectified -- their claiming my former modification manager is no longer there ( or available to me ). They, allegedly, have elevated this but it 's still not resolved. I withheld my XXXX payment as they were saying it would be applied toward XXXX 's mortgage ( remember, I paid XXXX, XXXX and XXXX IN FULL ). The online account showed all that until last week. When I logged on to pay my XXXX bill it had a bunch " reallocations '' and showed I 'm in arrears. I 'm also not allowed to make any electronic payments. I am concerned that the company is going to cause trouble for me here and am thinking it may be wise to retain counsel to help ( although I 'm broke, after going through divorce, I can ill afford to get XXXX by Ditech ). 

Also, Ditech sent someone to my home who took pictures and left a notice on my door -- this was on XXXX XXXX. They never alerted me, the person did n't announce his presence and the form he left on my door saying to call Ditech had no contact name or extension. Not only that, it caused my XXXX XXXX XXXX son some XXXX and XXXX - -he did n't know if this was someone looking to break in or what was going on. I am sickened by this situation and need some help, please?

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 2016-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I sought help with refinancing or a loan modification after I found that my husband unexpectedly decided to file for divorce. I bought my home prior to our marriage. We as husband and wife decided that it was ok for me to become a stay at home mom and wife due to his increase in income. So when he up and left I had no other income. I reached out to the company listed below and was advised to not make a payment, which I was up to date on and not ever late up until this point, with help from my parents. I took the advice and now a little over a year later I am unable to get caught back up and looking at possibly losing my house. I wish I would have known then what I have come to learn now! 

XXXX XXXX Processor ( Not an attorney ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Toll Free ( XXXX ) XXXX Ext. XXXX Fax Number : ( XXXX ) XXXX Office hours XXXX to XXXX est.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Innovis
State: TX

Complaint narrative:
I am disputing the findings of Innovis Consumer Reporting Agency because it failed to properly and adequately investigate my claims in the dispute against XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX concerning my credit card account ending in XXXX with the bank, and did not delete the account, instead Innovis Consumer Reporting Agency supported the bank in propagating unfair business practices by holding the Bank 's submission as accurate without fully investigating my submission. In fact, I believe that I have been as specific as possible in all discussions with XXXX XXXX Bank, unlikely the Bank that continues to manipulate the dispute process ( Attachments B, C, and E ). 
1. I am disputing the claim of XXXX XXXX Bank against me to the tune of {$550.00} as inaccurate because its permutation is erroneous, and therefore inaccurate. The calculations were based on wrong assumptions including wrong account closing dates, multiple closing dates, membership fees on a closed account and accumulating surcharges on a closed account ( attachments G, H, J, K, and M ). 
2. XXXX XXXX Bank denied me insurance protection benefits on this account in spite of the fact that I was mandated and forced to opt into the policy, and paid the premiums. Even, after admitting to this fact, XXXX XXXX Bank made no effort to adjust the account, and continued to perpetrate the inaccuracy ( attachment G, H, J, and K ). 
3. XXXX XXXX Bank denied me the opportunity to negotiate a settlement. I made oral written attempts to negotiate the debt, but XXXX XXXX Bank officials deliberate used tactics that made them inaccessible and ignored my written requests ( attachment D, F and L ). 
4. Innovis Consumer Reporting Agency did not review any phone records or transcripts to confirm the claims of either party to the dispute but relied solely on the submission of XXXX XXXX Bank that its summary of statements were accurate, hence unfairly confirming the position of XXXX XXXX Bank against me based on inaccurate accounting ( attachment G, H ). 
5. Innovis Consumer Reporting Agency did not examine any detailed bank statements to judge the accuracy of the content or determine how and why the figures were changing in such a dramatic fashion during such a short period of time, including who made payments or why the payment was made ( attachment C and M )? 
6. Innovis Consumer Reporting Agency refused to respond to my request for the details of their investigation ( attachment N ). 

Therefore, my account ending XXXX with XXXX XXXX Bank should be removed from charge-off status, and deleted completely because of these inaccuracies, lapses in the investigation process, and wrong verdicts ( attachments A, C and E ). 
Note : The attachments are a compilation of documents obtained from the various credit reporting agencies approached during the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GMA Investments, LLC
State: OH

Complaint narrative:
Twice I have received calls from Summit Receivables, XXXX. The latest was today, from " XXXX XXXX. '' My phone 's caller ID said the incoming number was XXXX, so the company is obviously spoofing phone numbers to prevent callers from knowing who is calling. 

I did not answer the call, so " XXXX '' left me a voice mail message. She did not identify what person she was calling for. She did not identify what company was owed the debt or how much was called. She said that " the client has extended an offer to you to close out the account for less than you owe. '' That 's pretty remarkable since I do not have any debts in collection and have received nothing in the mail from anyone. 

I looked up the company online, and it seems it simply calls old telephone numbers for people who owe debts without bothering to verify if the right person is being called, as well as doing reverse look ups to see what phone number is currently associated with the address of whoever it is trying to collect from. I believe one of these is what happened with me. Summit Receivables seems to be practicing in illegal collection methods and needs to be stopped.

Company response to consumer: Closed
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Paying my monthly mortgage payment but company is placing funds in Suspense and reporting negative and false information to credit bureaus claiming I have n't paid 2 months mortgage payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Innovis
State: TX

Complaint narrative:
to whom it may concern i am having a issue with credit report agency innovis not complying with Fair credit Act Codes and Regulations bascliy violating my rights i requested a consumer report i received it i saw things out of place i disputed them online and with a dispute letter requesting the Documents they use to determine that the claim was verified. along with the name and number of the people they spoke to verify the account i have attach supporting documents for my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
We refinanced our mortgage in XXXX of 2016, utilizing Ditech 's option of having payments automatically deducted on our checking account bi-weekly. In addition, we added an additional XXXX dollars over our minimum monthly payment. Ditech pulls out XXXX every two weeks. We have had nothing but trouble with ditech. We receive late notices every other month, along with late payment fees of XXXX for each month they determine our loan is " late ''. We call ditech each time to express our frustration, and they refund the late fee, but the problem still continues. Despite requesting ditech pay for our credit reports and send them to our house, this has not happened, as ditech simply tells us they can see our credit report and there are no late fees listed on it. Today, XXXX, a customer service supervisor acknowledged the issue is on ditech 's end, as she can clearly see every two weeks the money is pulled from our checking account. She further stated that some accounts have issues on the bi-monthly payment system. This is not our fault as a consumer. They offer bi-monthly payments as a service we take advantage of. There is a flaw in their billing system for bi-monthly payments, yet they continue to offer this service. XXXX informed us that while she wishes we would not have this problem anymore, it will probably continue to occur. We have NEVER been late on this loan and this is extremely frustrating. We desire a mortage company that can accommodate bi-monthly payments, and we were signed up to have this service, however ditech is unable to maintain this service on their end without charging us late fees, even though money is taken out every two weeks from out checking account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Received the very first and only phone call from Ditech ( XXXX ) regarding my mortgage. I was recently denied a loan modification. This after 7 months of trying to obtain one, and not one verbal request or question by Ditech. I asked if I could make payment arrangements for the past dues, was informed that my home was placed in foreclosure on XXXX/XXXX/16. I was never notified by them. I was also told as per their legal dept that this was the only call XXXX was allowed to make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: DriveTime
State: NC

Complaint narrative:
On XXXX XXXX i purchased a leased suv from XXXX. After going over contract discovered down payment amounts i never agreed to within XXXX mins i asked for refund but was refused. After looking at numerous vehicles from XXXX different stores i finally decided on a XXXX. By XXXX the following day i was broke down on the roadside after working a XXXX hr shift.Called to get help and was told i had to pay to get car towed. After confronting manager i asked gor refind again still within my XXXX hrs and the store manager refused .After i threatened to call news station i was put into XXXX. And you guessed it XXXX weeks later this car breaks down i need help i was even still forced to make a car payment after only having the car XXXX weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I have been trying to payoff my mortgage with ditech and was given a payoff amount that was good till XXXX. Mailed the payment in and it was drawn from my bank on the XXXX. Recieved a call saying payment was not received till the XXXX and that I owed another XXXX. I have called 12 times and have been given different answers from different representatives. I have spoken with a few supervisors that have told me they did receive the payment on the XXXX and would take care of it. They all say that they will send an email to the payoff dept. and that I am not allowed to talk to payoff dept. Recently received a letter stating that payoff was not enough and that I owed XXXX that needs to be payed by XXXX. Sent certified check XXXX next day with confirmation and they do n't have record of it. Received a new statement saying I owe XXXX so I called again. Same answers. They will send an email to payoff dept. I have payed what they told me by the dates required and I want this resolved with excess money returned. They have created a deceptive system because you ca n't get the correct answer from the dept. that should be answering your question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech, In response to Ditech back in XXXX they say they have n't received my modification information. I have proof we sent it with a return receipt. They also stated in XXXX they need 60 days to review my file. Its well passed the 60 days and I still have no answer. My attorney and I cant seem to get any cooperation from them. Can you please respond to me with some answers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
We were advised in writing by Ditech of the incentive payment ( via principal reduction ) of {$5000.00} via the HAMP program for keeping our mortgage payment current for XXXX or more years. This principal reduction was given to us in XXXX, 2015, and then added back to our account balance XX/XX/2015. We feel Ditech has not acted fairly with us or communicated with us in writing about why this was done. We made decisions based on this principal reduction and did n't notice the {$5000.00} was added back on to our mortgage balance again until XX/XX/XXXX. We have been contacting the company since then and have just been verbally told that when the loan was sold by XXXX to Ditech, XXXX gave Ditech the wrong account numbers for this credit. 
As we are now selling the home, we were told we would not ever receive this credit when this is sorted out if we no longer have an open account. But I contest this statement, as in fact we were already given the credit, and then it was retracted without explanation. Additionally, we met the terms of being current on the mortgage for the required time ( and more ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Working on an FHA short sale with Ditech - Ditech has a complete package yet has failed to process the short sale request. XXXX is the short sale negotiator and XXXX XXXX is his supervisor.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation