vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau of San Luis Obispo & Santa Barbara Counties
State: CA

Complaint narrative:
I had a set of dentures made and they did not fit properly, I returned to the dentist and explained the problem. After several unsucessful attempts to correct the improperly made denture, I was toldthey were unwilling to repair them and the dentist admitted there was a problem but they were unwilling to make any further attempt to correct them and I would have to live with the improperly made denture. I was unable to swallow or eat with them in my mouth. I finally went to a different dentist who told me to NOT wear them because they would cause damage to my mouth because they were not made properly and did not fit in my mouth correctly! I had an unpaid balance and contacted the office and told them I was unwilling to pay anymore for teeth that did not fit. I asked for a full refund of what I had already paid and they refused and sent the bill to collection. I still have the teeth which i am unable to use. I paid almost {$2000.00} for something that was made wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Paramount GR Holdings, LLC
State: WA

Complaint narrative:
I purchased XX/XX/XXXX. XX/XX/XXXX I changed insurance companies and sent updated info to lender ( Paramount Equity Mortgage ). XX/XX/XXXX received letter stating Homeowners Insurance expired. XX/XX/XXXX called servicing 3 times for help. uploaded insurance invoice as directed. XX/XX/XXXX servicing is still has n't updated my insurance from 1 year ago and they do n't use the web site which they gave me and had walked me through to send the invoice insurance for payment. They answer the phone Paramount Equity Mortgage and then when questioned claim they are XXXX. I have had to pay my insurance to keep it from expiring. The money is being escrowed and should have been paid by the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: GMA Investments, LLC
State: WI

Complaint narrative:
They call every day and threaten to call my employer 's payroll department and take legal action or serve me with papers. they call my cell phone and/or work phone. They do not identify the debt nor Have I ever worked with this company before. I did not receive any written notification in the mail from them with information on this debt they claim I owe. 

They also call my mothers house every day on her home phone and tell her she has a bad check and needs to pay or they will serve her with legal action. My mother does not even write checks except for her rent/electric. She has not bounced a check in 10 years or more probably. We do everything online. 

I currently live with my mother but never list her home phone on anything.

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 2015-07-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AUTOMOTIVE CREDIT CORPORATION
State: KS

Complaint narrative:
As someone raised on an XXXX with no experience in what credit is, I made bad choices. I got a car XX/XX/XXXX it 's {$380.00} a month with insurance that costs {$160.00} a month. I want lenders to explain what 's required every month. I still have a year on a XXXX Hyundai Accent. From {$11000.00} to {$25000.00} is what I will pay in the end. I struggle with paying my rent but it 's my only car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Everything started between XXXX and XXXX. We bought the house in XXXX XXXX. We paid for an inspector to come out and inspect the home. He said everything looked to be good. He said the previous water damage has been fixed and it was not. He lied to us about the whole thing. When we called the housing inspector he said he was bonded and licensed so we called the insurance company that he had and we were getting the run around. We hired an attorney and he proceeded to file the correct documentation. He filed a lawsuit against the gentleman and his insurance company. The gentleman had documentation he was covered under the insurance. When our attorney turned in our documentation showing the inspector had insurance the inspector said he did not have insurance when he inspected our house. When that happened the insurance company denied the claim. When he did that he also filled bankruptcy, we were not allowed proceed any further because the claim was denied by the insurance company. We could not sue the inspector because he filed for bankruptcy. 
At that time I continued to call my current mortgage company, XXXX and explain the situation. They told me I would need to pay 20 % of the home value to be able to have the PMI dropped. I explained I could not do that because I did not have the funds for the PMI to be dropped so we could fix our house correctly. They told me, that there was nothing they could do until I paid the 20 %. And the mortgage was transferred to a different company. Every time we requested to have the PMI taken off we were transferred to a different mortgage company. Each time it was changed I proceeded to call the company multiple times and they would tell us there is nothing they could do for us. It has gone on until today. I believe this is now the XXXX mortgage company in 9 years. I have paid my 20 % on my loan. And still to this day they still have not dropped the PMI. I am still paying over {$820.00} a month on a mortgage loan of {$74000.00} with the PMI at {$260.00}. My mortgage is paid down to a balance around XXXX when I paid a lump sum of {$6000.00} in XXXX to bring my mortgage down to the 75-80 % mark to be able to drop the PMI. My mortgage is down to about the 70-71 % mark now. And I have paid about {$8000.00} now on my PMI. And we have never been late on a 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 2016-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
my mortgage company Green Tree Servicing LLC / Ditech to over paying the property taxes XXXX XXXX 2013 due to a delinquent status on my account. Green Tree Servicing LLC / Ditech overpaid the taxes by {$4500.00}. my escrow has been in the rears ever since, for over two years I have tired to get Green Tree Servicing LLC / Ditech to correct this, I forward proof of overpayment to Green Tree Servicing LLC / Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Three times we have requested info on the XXXX program. On XXXX/XXXX/16, I was put on hold by Ditech for over two hours. They were sarcastic and talked to me with a slow, XXXX tone as though I was a child. I asked to speak to a manager. He did not know any XXXX info. I simply wanted to know the required loan to value ratio. They are unable to furnish any info about my loan. This is a horrible, rude company with no customer service. They are incompetent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
The Ditech went through a system upgrade on XXXX. I called on XXXX/XXXX/16 to ask why duplicate payments had been made as it was showing payments on XXXX/XXXX/16 & XXXX/XXXX/16. I was transferred to the tax department ( XXXX ) who told me they would investigate and get back to me within a week. No one ever did so I called back a week later and they informed me that the system upgrade ended up causing what seemed to be duplicate payments to the City Tax due XXXX/XXXX/16 but one of these payments were " ghost '' payments and they were n't disbursed or taken out of my escrow account on XXXX/XXXX/16, but the actually only payment that was disbursed by them was on XXXX/XXXX/16 which was the correct one for the XXXX tax bill. I told them I was refinancing and needed the Payoff amount to be accurate, they confirmed it was. On XXXX/XXXX/16 it again shows ANOTHER payment for the tax bill due on XXXX. I called on XXXX/XXXX/16 to ask why another duplicate payment was made. They said they made a mistake when the did the first investigation and found out I was refinancing with another company and they wanted to hurry up and make the payment and it caused a duplicate payment and disbursement. I was told they would escalate the problem and it would be refunded back to my escrow account within 3 businesses days. I called after 2 and was told to call back the next day. I called back after 3 days on XXXX and was told it 's still being investigated and to call back tomorrow. They are showing a negative balance on an escrow account that should have a surplus and the did this knowing I was refinancing and this is causing many issues on the payoff amount.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
My Mortgage Company, Ditech, failed to apply payments I made to my payment due on XXXX XXXX. XXXX payments were made in XXXX totaling the amount due for the XXXX XXXX payment. Ditech applied those payments as " principle '' payments. I contacted them on XXXX first via phone, to advise that there apparently was an error in their application of said payments. Since then my wife and I have contacted them 3 more times via phone and XXXX email to their customer service department. It is over 30 days now and nothing has been corrected. They have now applied late fees and have failed to return calls, or respond appropriately to what should have been an easy fix. I have never made any payments late, and this is my XXXX home I have owned without ever having such a terrible experience with a lender that purchased the loan from Greentree XXXX last year. 
I am attaching my payment history, email and evidence to support. I feel I have run out of options in trying to resolve this matter directly with them. 
Please assist, thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SKO Brenner American, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I sent a letter of verification to SKO Brenner American requesting verification of several accounts being reported as negative on my credit profiles. Received the return certified receipt stating letter was signed for on XX/XX/2015. On XXXX XXXX, 2015 received a letter form SKO Brenner American representative by the name of XXXX XXXX stating The they have notified the credit bureaus to delete these accounts from my records. Today is XXXX XXXX, 2015 and the negative accounts are still showing on my credit profiles.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: HI

Complaint narrative:
I received a letter from Greentree servicing LLC that my Hurricane insurance had not been paid and they were going to place their own expensive insuranceon my bill. I checked with the insurance company XXXX and XXXX and they both said it had been paid and it was current. I called Greentree several times and wrote them letters as to who they could contact to confirm this. They were uncooperative. They just sent me a letter stating that the evidence now shows that the insurance was reinstated. It was never cancelled. This was an attempt by them to extort money from me. XXXX could n't understand why they did n't contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
They are n't doing what the government says lenders should do to provide foreclosure alternatives to help homeowners in foreclosu.re

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Doctor performed and billed me for unnapproved and unwanted lab work after I was told by him basic lab work would be done at a cost of XXXX dollars. I did not approve any of the lab work I was charged for. I was told only basic labs were being done and told the cost would be XXXX dollars. I was then billed for XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 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: RI

Complaint narrative:
i keep receiving calls from a debt i told them is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I have been trying to get a modification from the company who holds my mortagage note, DITECH. This is my second request for action with your organization. My loan # XXXX. DITECH responded by sending me a request for documents such as my XXXX tax documents & Social Security/Pension income statement and 2 months proof of deposits. I responded by sending them the requested documents which consisted of a copy of my XXXX tax forms again on XXXX XXXX, XXXX. I also sent them a letter indicated that I do not get Social Security/Pension income and that I have been working fulltime for the last 20 years. They provided a point of contact which is never available. I would like to resolve this case ASAP so that I can get back on track with paying my mortgage. Please help me resolve this issue? 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 2015-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Green Tree XXXX XXXX servicing XXXX of my mortgage account number has been recently sold XXXX, I have a statement of my mortgage paymnet due of XXXX under a loan modification agreement and now i am getting harrassing calls XXXX that payment due is {$2100.00}. and that i will incur damaging credit and a collection record. I have not received anything in writing of this taking place, i understand that Green Tree is paying a XXXX dollar fine for doing exactly what XXXX is starting to do now and would like assistance as to what my options are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I had a mortgage with Green Tree and now I see it 's Ditech. I would get calls saying the mortgage was n't paid or was behind so I figured the ex wife forgot and paid it. This went m for yes. For some reason it seem like they were always saying it was behind. I seem to see money being taken out by Green Tree and never gave them authorization to. One day after my device I got a call from them say my ex wife was 6 months behind so end up paymg the whole 6 month. At the end of 2012 I got something from them saying they were forclousung on me and it was n't behind. I got so sick of them I so go head. I had a manufactured home. The came and repo it, sold it and never removed the money from the total. Now they are say I owe them XXXX. That is not true. For all the year of double charging me and selling it they should be a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
Green Tree Servicing initially refused to speak with my client regarding the status of his mortgage following the death of his partner. He filed a complaint with the CFPB. XXXX CFPB Complaint No. XXXX ). Green Tree agreed to add him as an authorized third party on the account, presumably in order to avoid regulatory attention. Green Tree was briefly willing to discuss the account. Now Green Tree has rebranded itself as Ditech and is again refusing to speak with him. I am concerned that my client may lose his home because Green Tree/Ditech does not have a uniform policy in place to establish communications with surviving partners -- particularly where a house is held jointly with a right of survivorship and the property passes outside of a formal probate process.

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 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have a loan with Ditech Financial. The investor of the loan is XXXX and the originator of the loan is XXXX. I submitted documents for review for a loan modification and my loan went into review in underwriting on XXXX XXXX, XXXX. The file was assigned to XXXX XXXX of Ditech at XXXX ext. XXXX. A pending foreclosure was postponed to XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Ditech underwent a system upgrade and advised me to call back on XXXX/XXXX/XXXX for a ststus update. I called back on XXXX/XXXX/XXXX and was advised to send in updated documents including XXXX tax returns, rental agreement, paycheck stubs and bank statements. I faxed all the documents to XXXX on XXXX/XXXX/XXXX. I checked back on XXXX/XXXX/XXXX and was told that the file was in underwriting and a decision would be made within 2-3 weeks but to call back every week. I called on XXXX/XXXX/XXXX and was told that there is no new update and the file is still in underwriting. I called again on XXXX/XXXX/XXXX and was told that the file was still being reviewed for a possible loan workout. I called on XXXX/XXXX/XXXX and found out that the house was sold for {$330000.00} back to the beneficiary XXXX. Ditech is in violation of the California Homeowner Bill of Rights prohibiting dual tracking of foreclosures whereby a homeowner is in active review of a loan workout with a single point of contact and underwriting review pursuant to Cal. Civil Code 2924.18. Ditech did n't give me any explanation as to why the property was foreclosed. The rep said that they received notification to move forward with the foreclosure.

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 fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I had an insurance claim on my home and Ditech must sign the insurance check and return it to me. I XXXX all their required information to them with the check and was informed it would take 7 to 10 days to process. On day 10 they stated they would finish processing and then would need another 3 business days until some would contact me to schedule an inspection and then once they heard back would need another 3 to 5 days to get me a check. So on a mortgage that I owe them XXXX on a XXXX property it will take a month to get a check. To add insult to injury I am in the process of selling my house and requested an exception and was told no way. Was on the phone for over an hour on hold to get this information in 2 minutes. Ditech is the worst mortgage company and should be held accountable.

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