vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Tried to get money for a doctor visit in XXXX of 2013. A week after my visit the practice dissolved. I never received a invoice seeking any payment for three years. First Point Debt Collections called me to inform me of debt. They have no paper work and could not tell me who got the money when I paid bill. If practice out of business who filled collections after three years and who are they going to give the payment to .They could not, and would not answer any questions. Got ill for me asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Unfair and deceptive acts performed by Paramount Equity Mortgage Company has caused financial injury and strain for my family in several ways. 

In XXXX 2016, I was initially contacted by Paramount as result of inputting my information with an online mortgage broker company, namely, XXXX XXXX. My interest was to refinance my home for the first time in 10 years. I was in contact with a few institutions to explore opportunities. However, Paramount Equity gain our interest and attention with verbal and written promises such as, 1. {$500.00} guarantee that they 'll beat competing offers. 
2. Immediately submitting paperwork to lock in a very good rate ( better than average ) 3. Closing in less than 30 days 4. Being a smaller company permits them to waive excessive fees. 

Within two weeks I signed and provided every document necessary to close. Suddenly, correspondence had stopped. I tried daily and multiple times to contact my representative ( XXXX ) to get an update but no response. 1 week later I was contacted by Paramount and was notified that my original representative decided to leave the company for unknown reasons. However my new representative ( XXXX ) took over and made similar promises and proceeded. Immediately he wanted to change the terms of my initial contract. I complied and signed. Then I did n't hear from him for weeks. A few weeks later he emailed and said he forgot to include important information that will eventually prevent us from closing. 

I 'm extremely disappointed and feel duped for several reasons. Paramount Equity Mortgage Company : 1. Did not disclose all risk in the initial stages. 
2. Seemingly creating problems to not close and revise terms as a result of over promising. ( They claim to not know I was married even after having my tax returns and other documents ) 3. Took {$500.00} for an appraisal that was absolutely unnecessary. 
4. Took 60 days to tell me they " forgot '' to include information at the beginning of the process that ultimately hindered my refinance opportunities with other institutions. 
5. I had a late charge on my current mortgage because of anticipation of close. 

I am absolutely convinced that Paramount Equity has serious problems with their compliance management infrastructure, such as training and internal controls. Attempting to conduct business with this company has been horrendous for my family and me. Currently we are attempting to start the process all over in spite the blemishes ( caused by Paramount ) on my credit report. This company should n't be in business as its causing great harm in the marketplace.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I received a past due charge on my mortgage from Ditech Financial. I contacted them on Thursday XXXX XXXX. I was told " I received the late fee because my mortgage was paid too far ahead. '' I asked how that was possible and they said it was because they had mis-applied the funds. There have been no missed payments, they withdraw the funds every two week from my checking account. They said they would " waive '' the late fee, but could n't guarantee that this would n't happen again, because the mortgage was paid too far ahead. As of XXXX XXXX, the late fee has not been removed from the account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Ditech keeps calling me. Telling me go pay off my loan in the amount of {$15000.00} dollars or they gon na take my mobile home. They keep harassing me. What do I do I do n't want to loss my house. HELP

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
i have complained before still nothing done ditech has XXXX my escrow account by still not paying my taxes. i made them the last time, they still did not notify the town to get tax bill.i received the tax i called they used the the words as before the " NEED TO RESEARCH '' after two months .THey say for me to fax the bill. no it is their job to get the bill. they do n't return phone calls because they know i am mad. i hope i do n't have to take time out of my schedule to pay the taxes again. 

in response to by last complaint a paralegal wrote me a letter had all the wrong infomation. ditech needs some serious help in the tax and escrow department

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
This debt company under the name First Point, they are trying to collect from me the amount of {$75.00} from the XXXX XXXX XXXX with the Patient account number XXXX. 

This was paid in a full total amount of {$210.00} as a co-payment with the check number XXXX and not a down payment before the admission for the XXXX and the insurance medical company covered the rest, There was no extra balance pending to pay. 

Paid in an Full Amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My payment is due on the first of each month. For the payment that is due on XXXX XXXX, 2015, I did not receive a statement. I contacted Green Tree to request them to provide a statement. The response was that they were unable to provide a replacement statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
The company 's website does not give a clear concise history of principal and interest paid. I did not always get payment confirmations, which is the only way to see how your P & I payment was applied, the customer portal does not provide such details. I made a significant payment ( XXXX % of outstanding balance ) and my P & I structure did not change. I sent two messages stating this and NEVER received any response. I fear that I was overcharged interest but they will not respond.The company 's website does not enable consumer to track outstanding balance on a regular basis. I fear that I have been overcharged! It seems that this is on purpose to keep consumer ignorant and make sure we are not able to see any errors or mistakes on the company 's part. This leave open ample room for fraud! I sent messages to the lender communicating this fear multiple time and no reply in over three months. I believe there maybe fraudulent activity on their part!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: ECMC GROUP, INC.
State: MD

Complaint narrative:
I have been repeatedly working to consolidate my student loans, seeking a short term forbearance until the process is complete. Due to financial hardships and a recent divorce, I am not able to make the payments as agreed. I have been repeatedly harassed by the EDUCATIONAL CREDIT MANAGEMENT CORP, XXXX XXXX XXXX XXXX, XXXX MN XXXX Phone # XXXX, who is trying to collect on XXXX loans that were cancelled by the XXXX XXXX XXXX. I am seeking a consolidation of all students loans and currently awaiting a decision from XXXX on the short-term forbearance. I was deceivably told I can not apply for a consolidated loan or forbearance because my loans were in default. Per the Department of Education, I am told I do have to option to consolidate : XXXX

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 2015-05-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Green tree demands that I pay XXXX XXXX to get my payment to them every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Recently I received an escrow analysis that showed a shortage in my escrow account. As I reviewed the document, I noticed during the escrow analysis period that GreenTree Mortgage had included XXXX property tax bills. In California, we pay property taxes XXXX times a year. GreenTree accomplished this by changing the escrow analysis period, paying the tax payment early, and including XXXX months in the escrow analysis period instead of XXXX. I compared it to last year 's analysis period and it was definitely done differently. As a result, they increased my monthly mortgage payment by over {$100.00}. I called them and contested the increase due to the reasons I stated above and the unfairness of their actions. I never received a response. So, I called them again and was told over the phone that they denied my request to leave my house payment the same. Then I requested in writing that my escrow be closed and that I assume responsibility for making my own property tax payments. I included in the letter my reasons and my displeasure over their unfair practice. I just received a denial of that request in writing as well because they indicated that " The principal balance of your account is not less than 80 % of the original value of the property. '' Our house was originally valued at {$500000.00} ; however, we bought it for {$450000.00}. We put a large down payment and we now owe {$310000.00} on the home. That is less than 80 % of the original value. More money in my escrow account means more interest collected by the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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: FL

Complaint narrative:
My latest credit statement continues to show a debt from XXXX that is several years old of {$110.00}. I negotiated a settlement on the original bill of {$230.00}, that was incorrect, with a credit supervisor named " XXXX '' in XXXX of 2013. I sent the check - they lost it, I had to stop payment on it ( I have a copy of the bank stop payment order ) and sent another check by certified mail which they cashed. In the " for '' area of the check I put the account number and paid in full. However, XXXX has passed the balance onto XXXX or XXXX other debt collection companies. I am XXXX of this and have the letters to prove my claim that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Innovis
State: MO

Complaint narrative:
To many of the same inquiry in less than XXXX days please removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I have a cease and desist order in place on my mortgage loan for shady collections practices involving Ditech. Last week they violated this practice by showing up to my house and placing a collection, contact us door hanger on my front door. I contacted Ditech again today and they stated they ca n't enforce a cease and desist order. Their collections antics are not consistent between borrowers resulting in disparage treatment. I consider this an additional demand to cease and desist all collection efforts in regards to this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting an item on my credit report incorrectly XXXX XXXX was a car loan I had over 7 years ago that was included in my Chapter XXXX Bankruptcy. At first Equifax was reporting it correctly in XXXX as included into the bankruptcy then when I disputed that the statuary limits had ran out. They took it out of Bankruptcy and just have it on my credit file as an delinquent item. 
1. I want to file a harassment lawsuit against them I presenting case after case on them with the proof and the more it looks like that they are putting errors on my account purposely instead of removing items that they know are n't mines and have legitimate reasons behind it. 
2. The statuary limit has ran out on this account. 
3. They took it from out of bankruptcy and legally I do n't have to pay anything back on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Dream Center Education Holdings
State: CA

Complaint narrative:
My name is XXXX XXXX and I 'm contacting you because I like many millions of other college graduates that are suffering in Student loan debt -especially from a For-Profit College that defrauded all of its students- wish to complain about XXXX and EDMC. 

Recently there was a Federal lawsuit against the Parent company ( EDMC ) of the college I attended ( XXXX XXXX of XXXX ) from XXXX graduated with XXXX and over {$80000.00} in debt. Its Parent company EDMC was sued for fraudulent practices/recruiting/using federal aid for CEOs/Shareholders/recruiters bonuses instead of helping students, predatory lending practices, stealing GI Bill money from students, etc ... and they won {$11.00} XXXX dollars from EDMC. 

I was lied to about their job placement numbers as well as the true total cost of my so-called quality education. Also they were predatory in recruiting and they pressured me into keep signing for more student loans, federal and private. The education I received there was sub par at best and I feel was n't anywhere near worth what it cost to get my soon to be worthless degree. The lawsuit money that was won should go to the students who are the real victims not to the government for more wasteful spending. It should go to the people, this country was built upon a government for the people by the people, not for the wealthy or for the money by the money. I have almost all my records while I attended XXXX XXXX of XXXX. 

We want the settlement money to erase all our student loans as well as have all money refunded that has been paid on the grounds of the fraud the schools committed based on the judgement in the US Government lawsuit. Below are links to the site for the petition about the lawsuit and the debts former students are drowning in along with many other source sites. Many of us have begun to contact elected officials, State Attorney Generals, and looking into going after them. 

Now EDMC is closing most of its schools throughout the country and just as the XXXX XXXX closures opened everyone 's eyes to the thousands of people drowning in debt from attending this fraudulent school that should receive refunds as well as all student debt erased based on everything that has happened. 

Read the comments listed on the site with the petition and you will see what I 'm talking about. This money should go to all of us who are still stuck with this debt from a school that played us all for fools. 

Thank you for your time. 
XXXX XXXX Below are links for almost everything regarding EDMC/XXXX. 
XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
On XXXX XXXX, 2015 I was approved for a mortgage modification trial period plan by Ditech Financial LLC ( formerly Greentree ). I agreed to the plan and completed all of the company 's requirements for modification, only to receive a letter dated XXXX XXXX, 2015 from Ditech saying I was ineligible for the modification because I had not submitted all of the requested documentation! I found out at the very last minute they were denying the modification due to a lien placed on my property by the Home Owners Assoc. for past fees due, WHICH I HAD DISCUSSED WITH THEM FROM THE BEGINNING! I asked them initially if they could roll the past due amount into my mortgage modification, which they stated they could not ( so they knew about this lien from the very start ). Since Ditech said they could not roll the amount owed on XXXX fees into the modification, I contacted the XXXX in XXXX for help with the lien. When Ditech asked me for something in writing to substantiate how I intended to catch up on the XXXX fees, I had had the XXXX XXXX XXXX fax them a letter outlining how they were helping me with the issue of the HOA fees. The XXXX XXXX provided me with proof of Ditech receiving their communication, yet Ditech NEVER RESPONDED to the Clinic, but proceeded to send me the denial letter. I should be allowed to have the mortgage modification they approved me for, after I met all of their requirements. Further I will add, the exact person who was in Loss Mitigation working on my modification, NEVER personally returned my calls, nor did she EVER answer the phone. I have never personally spoken to the woman who was handling my modification, no matter how manty times I tried to contact her. All of my phone communication was done with " XXXX '' in Customer Service.

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 — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
After many years of enduring the difficulties of dealing with Greentree, now Ditech Mortgage, and paying their very high interest rate. My wife and I were able to improve our credit standing and refinance the high interest loan to a much lower rate with a local financial institution. We obtained a payoff letter from the Ditech website and our new company sent the funds as calculated by Ditech. The payoff amount was posted on XXXX XXXX, 2016. Instead of applying the total amount of the payoff to the principle portion remaining, Ditech applied {$1700.00} to the XXXX payment, and then the remaining portion of the payoff amount to the principle balance. Now they claim we owe an additional {$250.00} and change to pay off the remaining balance. Why would they not just pay off the remaining balance, the amount they gave us in the payoff letter?? Because applying it as a monthly payment creates just the scenario I have described. Once again Ditech/Greentree has exhibited the pattern of predatory lending practices, and their desire to charge customers every pound of flesh that they can.

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 — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
Focused Recovery solutions claimed I owed a medical company in XXXX VA, XXXX was paid long ago. I 'm not sure how this company ended up with the account. I never got correspondence from this company. They just showed up on my credit report saying I owed XXXX. When I called to verify the debt was real XXXX said the debt had already been paid. They also said they have no knowledge of the said credit collector.

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