vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
We originally got a loan with a company called XXXX. They sold our loan to GreenTree who in 2014 paid the wrong company for our property insurance out of our escrow account. Not wanting that to happen again this year, I called in XXXX to speak to a representative. She eventually transferred me to a rep for XXXX XXXX who supposedly emailed them what was needed. End of XXXX I received a letter from XXXX who has now taken over GreenTree saying my insurance is n't paid and so I call customer service again who assures me it will be paid on time. XXXX rolls around, XXXX XXXX still has n't been paid, and XXXX sends me a FINAL NOTICE regarding the hazard insurance. They were going to force me to buy insurance from them. I called ditech again and requested a supervisor who finally informed me their concern was insurance for the structure which is paid by the HOA. I faxed them what they wanted. Then I received a notice yesterday. Our escrow account is " short '' and they are raising our payment to make up this shortage. Turns out they not only paid XXXX XXXX the {$540.00} we owed them, but ALSO sent a {$840.00} check to XXXX who we do n't use for insurance on this property. We want our {$840.00} back and this escrow issue resolved so we do n't have to deal with it for a third year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Innovis
State: FL

Complaint narrative:
The company refuses to remove the negative information off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
Di tech refused to conduct an escrow analysis and then when they finally did the analysis they found that the account had {$3000.00} extra in the account. As of XX/XX/XXXX.2016, we have not received the return of funds over the required minimum. Escrow analysis was completed in XXXX 2016 and then in XXXX the PMI was dropped from the account and another analysis was done and new amount was statwped, but the XXXX and XXXX payments were made in the amount of the new XXXX amounts, but they were crediting the account for {$75.00} less than was payed. 

On XXXX XXXX, 2016, spoke with XXXX and she stated the extra was in an overpayment account except it did n't add up to {$150.00} and futprther went in to state that XXXX payment paid XXXX and then on XXXX XXXX an payment of XXXX was made thus they say the account was up to date XXXX it came from an overpayment account, but the account has never been late and no payment had been missed. Requested a payment history sent to me, refused, stating it would be sent to Netherlands attorney on record. They never communicated a payment behind through the attorney. 

Ditch will not send a bill with amount due since account is in active bankruptcy and when you call to ask for amount, they say pay what you paid the previous month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Data Corporation
State: VA

Complaint narrative:
TRS recovery services, INC. sent 3 separate notice of unpaid electronic transfer from telecheck services stating I had stopped payment on XXXX checks. No account or bank information was provided. I do not use telecheck and I have never written checks to the retailers identified in the letter. I checked with my credit union where I have my only checking account and no bad checks had been written on my account. I have sent notice via registered mail to TRS that I did not write these checks and that I will not give them any personal information as the letter states it will be used to recover the debt. They are continuing to call. I assume I may have been a victim of identity theft but I do not even have enough information from TRS to check on it. No bank name or location of where these supposed checks were written.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I had my original loan with XXXX along with a XXXX mortgage, and when the financial crisis hit I was no longer able to meet payments. Instead of opting the foreclosure route, I decided to pursue a short sale. Upon notifying XXXX that a short sale was being pursued, they began servicing my XXXX mortgage at Greentree. In XXXX 2011, my condo was closed as a short sale and I gave up my home. Both Greentree and XXXX accepted settlement payments to facilitate the short sale. Greentree continued to call me for payment after the short sale was completed, sometimes XXXX times per day while I was at work. I was n't always able to answer, but I did my best to communicate to them that the property was short sold. They told me to borrow money from family, put it on credit cards, etc ... I did n't have the money to pay, but they continued to call. 

Now, They have hired attorneys to sue my in county court. I am due to be present this Wednesday at XXXX. I have been trying to get my life back together since I lost my house, and this would devastate me. 

I had opted the short sale route, because everyone I spoke with said that was more responsible than just walking away and letting it fall into 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 2015-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shapiro, DiCaro & Barak, LLC
State: NY

Complaint narrative:
On XXXX XXXX, 2014, XXXX XXXX XXXX , XXXX was [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ). The recorded/filed Assignment of Mortgage currently being used was robo-signed by robo-signer XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX did [ n ] ot exist on XXXX XXXX, 2014 and XXXX XXXX was [ n ] ot an employee ( Assistant Secretary ) of XXXX, XXXX on that date. XXXX XXXX was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XXXX XXXX, 2014. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, of Shapiro, DiCaro & Barak, LLC are attempting to foreclosure claiming ownership based upon the above referenced information and a robo-signed Assignment of Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 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: FirstPoint Collection Resources
State: VA

Complaint narrative:
Someone opened a fraudulent natural gas account using my first name and social security number. That account was sent to First Point Resources for collections. 

I submitted a credit dispute with XXXX of the major credit bureaus and they began investigating. During this investigation I worked directly with First Point, providing them verification documents by email as requested, including the FTC 's identity theft affidavit and a copy of the related police report. 

Eventually the credit bureau responded that the debt collection company ( First Point Resources ) had verified that this account was actually mine. 

Upset, I called First Point Resources to get an update on the situation. Their representative said that First Point never received a copy of my police report. I was incensed that instead of sending any notice to me that they did not receive my police report, they verified fraudulent information with a credit agency. 

I then proceeded to send police report and the other relevant documents by email to First Point. It took me sending these emails XXXX for First Point to " get them, '' the manager was never available to speak with ( always in a meeting ), and First Point has never in my interaction with them contacted me on their own initiative or informed me about the status of my collection account. All of this could have been avoided if First Point Resources notified me as they are required by Section 5 of the Fair Credit Reporting Act which provides that " if an agency declines or rescinds a block, it must notify you. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
We have a mortgage serviced by Green Tree. In XXXX of this year 2015 It became apparent that my business could no longer sustain my salary. Therefore I elected to go and get another job and put my salary back into the business. I continued making XXXX payment a month but in XXXX I could no longer do this I was only working part time and was looking for a full time job. I called Green Tree explained to them that we had already done a modification and could we do another. I was told it did not matter that we had already done a modification fill out the application submit all paperwork. That is what I did. I faxed in everything. In XXXX I was told we did not qualify because we were missing information XXXX XXXX explained to me I needed to send in back statements and profit and loss from my business. I did. The account was then assigned to XXXX XXXX ext XXXX again I received a letter stating that Green tree needed more information and we missing information our XXXX income pay stubs. I faxed in pay stubs.. In XXXX I called talked to XXXX again our circumstances at my business had changed we had taken on a partner and I would be returning making a salary. XXXX advised me to fill out the application again and send in a letter. I did so. Again, we received a letter stating the modification could not be done due to not turning in information. Each time I received a letter or request I faxed in the required paperwork. After receiving this I called Green Tree and asked for someone in the Loss mitigation department. I spoke to XXXX ext XXXX. XXXX advised me that we were not eligible for a modification since we had XXXX. In 5 months NOT ONE PERSON ADVISED ME OF THIS. XXXX ALSO EXPLAINED THAT WE HAD BEEN SENT THE WRONG LETTER EXPLAINING WHY GREEN TREE COULD NOT DO THE MODIFICATION. I ASKED GREEN TREE TO SIMPLY REINSTATE THE MODIFICATION AND WE WOULD BEGIN MAKING MORTGAGE PAYMENTS. DURING THIS ENTIRE TIME I WAS TOLD I COULD NOT MAKE A PAYMENT. HELP WE DO NOT WANT TO LOSE OUR HOME. XXXX AND XXXX XXXX XXXX LOAN NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 2016-01-19 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One 360 has short changed us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Our mortgage was bought by Ditech Financial, LLC. We have been trying to obtain a loan modification for the last four months and have been getting the run around since then. We have been assigned several representatives to work on our case. They have not contacted us to let us know where we are in the process. We can never get a hold of them when we call. We have been required to submit the same paper work three different times because they lost it. I am a XXXX vet currently serving in the Florida XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I received a call in XXXX of 2016 from Caine Weiner saying they were debt collecting for a debt I asked for proof of a debt they said I need to request it in writing they would not accept my written request. I then faxed, emailed and mailed a request and received. Itching. On XXXX XXXX approx I XXXX a {$60000.00} collection item on my credit report stating it had been " verified '' I have never received any proof of this debt as I demanded In writing in XXXX and they have continued to attempt to collect outside of the 30 days without providing documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ECMC GROUP, INC.
State: TN

Complaint narrative:
Due to an insurance mix-up a medical bill got turned over to a collection company without my knowledge. I was doing an annual credit check when I found it on my credit report. I called XXXX to find out what it was about. I told her that I had never received anything in writing about this collection notice. She told me that they made several calls. Because I get so many spam calls I do not answer unless I know the caller. They can leave a message and I will respond if it is legitimate. IF they left a message it was too non-specific for me to consider it anything other then another spam - like the IRS one going around. But again, I NEVER received a collection notice.

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 2015-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Empire Resolutions Group
State: TX

Complaint narrative:
Called on, XXXX/XXXX/15 @ XXXX, to my home telephone number and numerous other times. 

The voice message stated that they were calling as a courtesy to receive my statement in regards to a asset & liability search done on my phone number. To dispute the claim I needed to call their office back at XXXX. Failure to do so would document me a non-cooperative. 

I have also received messages tied back to this number claiming that the IRS is suing me and that I need to call immediately. 

I believe this is a violation of multiple sections of the FDCPA and I want this to stop. I 'd like to pursue any legal & financial compensation remedies allowed under the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
My payments through XXXX 2016 my payment was XXXX where a percentage went toward the principal and an additional percentage went toward interest. As of XXXX XXXX, my mortgage company changed my payment from XXXX to XXXX and put it all toward interest, with nothing going to the principal. They did this without contacting or notifying me of any changes.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
NAVINT has a debt against me. my concern is XXXX calls a day. despite the fact that i have stated I am unemployed to NAVINT. My further concern is these calls take place before and after times regulated by the federal government for debt collection. now they are calling my former employer, which I understand to be against the law. they also call my parents who never co-signed a loan. I have provided my contact information to NAVINT, yet they persist in contacting persons not responsible for my debt. I had a contract with NAVINT 's parent company XXXX XXXX ; which called for {$500.00} each month. this was a modification of my loan payments. before a year of steady payments was completed, my debt was transferred to NAVINT. I accuse NAVINT of violation of basic contract law, XXXX XXXX has transferred the debt to them in order to breach a valid contract. NAVINT is now intends to foreclose on my student debt. I request a single point of contact from NAVINT and a repayment plan via US Mail, which they refuse to consider an acceptable form of payment. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
This is my XXXX complaint against this company. I 've told them numerous times not to contact me during my working hours of XXXX, and they continue to do so. They also discuss my account with third parties that I have listed on my account as references. They do n't state the company name in phone calls or messages, and when asked by a reference what company was calling they refused to give the name, just that they 're a tax service in XXXX XXXX. They then proceeded to tell my girlfriend details about my account and asked that she bring them a payment for my account. This is all after she and I have told them that I put a check in the mail because I would n't be able to make it to their office to pay it in person. I feel like their harassing and deceptive collection practices are against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SKO Brenner American, Inc.
State: GA

Complaint narrative:
SKO Brenner is reporting a debt that was charged off by XXXX XXXX in 2009 on my report in violation of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Hello, I was reviewing my home loan and noticed something strange. The lender is NOT applying any funds I make above my payment to the principal. 
Instead they are holding those funds in a separate account that I can only presume that is interest bearing, for them. There is a note on my statement that says : " any partial payments that you make are not applied to your mortgage but are instead held in a separate un-applied funds account. If you pay the balance of a partial payment the funds will be applied to your balance. " I looked for clarification and this is what I found : Unapplied Funds Balance. If you send in less than a full payment, this will show the partial payment, which we 'll hold until enough money has been received to make up a full payment. Once a full payment is received, we 'll apply the funds to your account. 

I have been making payments above my min and my next scheduled payment is in XXXX. 
I am NOT and have NEVER been behind. Green Tree bought my loan from XXXX Bank and again I have NEVER been in any type of default status. 

IS it lawful to hold back overpayments? I want to make them apply these funds to my principal immediately instead of allowing them to have a " slush fund '' on the side for them. These " partial payments '' have been in the range of $ XXXX $ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
RE : Making Home Affordable Incentive Payments With the addition of the {$5000.00} Principle reduction incentive payment ( see here : XXXX ) XXXX issued a letter ( see attached ) notifying lenders/servicers that they send a notice to borrowers who qualify of the option to reamortize or recast their loan. The document specifically states : The servicer must ... 
provide written notice of an option to re-amortize the UPB, excluding deferred principal, over the remaining term of the mortgage loan if at the time of the notice the mortgage loan is in good standing. 
The written notice must be provided at least 60 days, but no more than 120 days, prior to the sixth anniversary of the XXXX HAMP modification effective date ; give the borrower at least 30 days, but no more than 180 days, from the date of the notice to respond to the re-amortization offer ; notify the borrower of any changes to principal and interest payments as required by applicable law ; specify changes to the payment schedule as a result of the re-amortization and total interest to be paid during the remaining term of the mortgage loan after the sixth anniversary of the XXXX HAMP modification effective date, both with and without the effect of the reamortization ; and include the contact information of the servicer and instruct the borrower to contact the servicer if the borrower has questions or concerns about the re-amortize offer. 
Not only did I NOT receive the letter from Ditech, I 've called many times and they will not send the letter. Further more, I was told on the XXXX/XXXX/XXXX when I called in by a supervisor, that my loan did not qualify for a recast! Their customer service reps as well as their supervisors are uneducated on the matter or playing dumb. Of course the consumers can only gain from the recast lowering their monthly payments and the date the PMI falls off which means less money for Ditech. I shudder to think off uneducated borrowers missing out on this opportunity simply because the folks at Ditech refuse to be in compliance with XXXX guidelines. I should have received notice XX/XX/XXXX but I did n't. And I was also told by a rep. that they were not required to send the notice of recast until the incentive payment was applied which is a lie. 

Ditech needs to be investigated and fined for their mishandling of this as well as perhaps thousands of other consumers.

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