vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education
State: DE

Complaint narrative:
I recently changed my auto-pay from XXXX checking account to another to my student loan account via Cornerstone. They never notified me that by doing that they would skip my current payment and continue next month. The ONLY reason I knew it was n't going to apply I logged into my account to make sure it my account changed and I noticed my account was skipping this months payment. The letter they sent me XXXX ONLY never mentioned skipping my payment for the current month. I feel like this is a way to get more interest from me and very unfair and seems illegal.

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 2015-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Real Time Resolutions offered a settlement of {$10000.00} on a second mortgage and now they are backing down from their original offer. 
This home is in foreclosure and they are forcing me into bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I received a letter stating I owed a debt. I sent a debt validation letter back and did n't receive validation but did receive another letter for debt payment. I clearly stated in my validation letter not to contact me or continue to try and collect without validating the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Resurgent Capital recently reported a debt for {$2000.00} on my credit report. I never received notice from them about this debt before it appeared on my credit report, so I was shocked to find it there. I immediately contacted their office, and requested information about where this debt originated, and itemized detail of the charges, and explanation for why it was reported on my credit report prior to me having an opportunity to answer to the charges. Nearly two months have passed since I made this request, and I have received no response from Resurgent Capital. Nevertheless, they continue to report it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
Fortiva financial is claiming i owe them over {$500.00} i went for a consultant at XXXX but never had the XXXX. The total cost for this was over {$2000.00}. Fortiva understood and credited the account all but {$580.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: VT

Complaint narrative:
Repeated phone calls at all hours from XXXX, XXXX, NH. Company called LVNV Funding. Attempt to 'collect ' a debt closed in 1990.

Company response to consumer: Closed
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: KY

Complaint narrative:
We are receiving letter of intent to foreclose on our home due to county PVA department and Kentucky Land Title 's mistake that was made on taxes owed on our property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Today I applied for a PenFed Credit Union XXXX card and was denied. I have good income for years, and my XXXX score is XXXX, and XXXX is XXXX. I am XXXX, however, and I think my last name may be red-flagged by PenFed. Why else would I be denied? I just recently was approved for a XXXX card with a {$6000.00} limit, and a home improvement loan of {$30000.00}. This is unprofessional, and CFPB should look into this. The same thing happened to me at XXXX last year. Something is amiss. And it 's not my credit.

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 2016-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Vermont Student Assistance Corporation
State: CO

Complaint narrative:
I have a student loan debt with Vermont Student Assistance Corporation ( VSAC ) and have been increasing my number of payments from monthly to weekly for several months as well as paying more than the monthly minimum payment. I worked with VSAC to set this up and they have allowed any extra payment over minimum per month to be applied to principal on my highest interest consolidated loan. This has been working very well and I am able to make more of an impact on paying the loans off. I received a call last week for a VSAC employee informing me I would no longer be able to do this because it puts an administrative burden on them to process payments this way ( ie, they do not want to process weekly payments instead of monthly with extra going to principal ) AND I would have to now make a phone call to them each month to have the extra applied to principal on the highest interest consolidated loan. I believe this goes against their stated policy that " You may prepay all or a portion of your loan ( s ) at any time, without penalty. '' Bottom line, by not being able to have weekly payments applied the way I have been, I believe they are preventing me from paying my loans faster.

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 non-monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
I owe a debt to a credit card company that I was unable to pay due to some financial set backs. The company contacted my sister and lied about being a lawyer and serving me with papers at my job if I did not return the phone call to them. I then called the company after my sister gave me the information from the rude collector, and was yelled and screamed at and told that they would be to my job to serve me when I called myself. I was never informed of what the debt was for or what the amount was, and was told that I had committed fraud and would be handled legally.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We have initiated a short sale request with the XXXX Lien holder CIT Bank XXXX in order for to get a review for a Short Sale Approval from the XXXX Lien holder they have requested we provide them with the payoff from the XXXX Lien holder. A payoff was requested Monday, XXXX XXXX and the turn around was 5 days or XXXX, 2016. In our follow up they moved the completion deadline to Monday, XXXX XXXX, 2016 and CIT Bank set another deadline to Tuesday, XXXX XXXX, 2016. During our follow up yesterday, XXXX XXXX XXXX, 2016 they said they could n't provide a payoff because the loan number was incomplete. We compared our request to the loan number on an old statement and the loan number used to initiate the short sale and they all match. We have made several phone calls and have been transferred multiple times and we have no cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Federal Law gives me the right to notify One West Bank/XXXX of errors regarding the servicing of my loans which resulted in the foreclosure of my property. The " ASSIGNMENT OF THE DEED OF TRUST '' a total of XXXX with number XXXX recorded in the XXXX XXXX County Recorders Office on these dates : XX/XX/2009 Doc # XXXX and XX/XX/2009 Doc # XXXX and XX/XX/2009 Doc # XXXX. These Assignments are " VOID '' as determined by the California XXXX Court case XXXX. I am requesting that OWBXXXX provide me with their accounting of this loan and copies of the Assignments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Continental Finance Company, LLC
State: NM

Complaint narrative:
I had a credit card with Matrix who sold to Continental Finance. The limit was {$400.00}. They began charging a fee each month and all was fine with my payments until I was XXXX and had to go through XXXX. I got behind and filed my creditors with XXXX XXXX XXXX, this credit would " not '' work with them and continued to charge me {$35.00} a month for late fees so now I owe like {$800.00}. I finally worked out an arrangement with them to take a payment each month to try and resolve this debt and they took XXXX or XXXX payments from my account. I planned on {$45.00} begin taken from my account on the XXXX or XXXX payment but they attempted to charge me {$70.00} and I did not have enough money in my account to cover so the payment was returned. When I called them they said I agreed to pay {$70.00} after the XXXX or XXXX payment, I do n't remember and I said I ca n't afford that, and asked for them to take less but they said no. Now they are saying that I wrote a bad check ( and I did n't ) and then they said I gave them fraudulent bank account information ( but I did not ) I called to speak with XXXX telling him that I was having problems and considering filing a Chapter XXXX and in the middle of this conversation a man got on the phone, said he was the manager and begin yelling at me and when I would n't bow down to him, he hung up. I continue to receive phone calls from XXXX, XXXX and now a recorded message from XXXX XXXX and they continue to say that I wrote a bad check of provided bad payment information and that this is illegal across state lines. The only thing that I am guilty of is not having enough money in my account to pay what they require I pay and for not being able to include them in a CCC plan payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
Ftc case # XXXX, XXXX/XXXX/2008 states that reporting of tribute XXXX ( compu credit ) by XXXX party collections is prohibited. I have sent this documentation and a request for removal per this ruling to XXXX XXXX XXXX. They are refusing to remove this trade line after receiving sufficient information supporting the request for removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: KY

Complaint narrative:
I recently checked my credit report & found that the XXXX motgage on my house was listed as closed. I spoke with the credit bureau, XXXX, & the representative pledged to work on it. I then called Green Tree, the mortgage company. They gave me very vague information as to why this mix-up has happened & the status of my loan. Basically, I was told that since I had a Chapter XXXX bankrupcy XXXX years ago, even though I did not include this mortgage in it, that XXXX XXXX XXXX, the company that held my mortgage at the time, failed to get a " letter of affirmation '' that this mortagage would be excluded. This, they said, should 've been done while the bankrupcy was still open. I was also told that if I paid-off the mortgage, I would n't get the deed to my house because of this & also I would not be able to sell the house. I have made timely monthly payments to Green Tree for the XXXX years since my bankrupcy, but they say they wo n't report this to the credit bureaus until I reopen my bankrupcy filing & they can get that letter of reaffirmation. Even then, they wo n't report my timely payments for those XXXX years, but just from the date that letter is received. 
Since they acknowledged it was a mistake by my mortgage holder, it seems unfair that I should bear the burden of reconnecting with my bankrupcy lawyer ( who is XXXX miles away & very bad about calling back & following-up, by the way ), spend XXXX of dollars to reopen the bankrupcy, & suffer having other debt problems simply because of that reopening. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
The mortgage company, Ditech is refusing to consider modifying my loan in spite of the fact, as I have informed them of my loss of income and my XXXX. Since 2010 I have been going back and forth with them about this issue. It seems as if their only interest is for me to deed the property back to them, or for me to sell the house. 

I 've made attempts to have the HELP program assist me in this matter, but my mortgage company have no interest in trying to resolve this issue. 
When pressed, they have only given two reasons of their refusal to work with me. 
1. They do n't give modification to people that are working. 
2. Their investors wo n't give them permission to do a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
I have an unverified account from MEADE & ASSOC. I had previously disputed this account. I have never done business with MEADE & ASSOC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MEADE & ASSOC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
We entered a payment plan with Greentree mortgage with the understanding after we completed the plan, which we did accordingly that our XX/XX/XXXX payment would be deferred. We learned this was not the case after our plan was completed and receiving a call from them requesting the payment. We were informed that XXXX XXXX XXXX, the investor decided as of XXXX XXXX, 2015 they were not honoring deferments agreements made prior to XX/XX/XXXX or after. What is our recourse?

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
On XXXX XXXX, XXXX I took a mortgage loan with XXXX XXXX XXXX. In XXXX, the loan was transferred a company called, Green Tree Servicing, my payments increased dramatically after that, which is the reason I was unable to keep making payments. On XXXX XXXX, XXXX the bank, Green Tree, started a foreclosure action against my home. I tried to make arrangements by doing loan modifications ; only for being denied with no explanation or different explanations every time. The loan modification process with the bank was difficult because the bank would asked for more documentation or because it tansferred to another bank or the account number changed or the representative in charged of the file changed. It was always a different reason to successfully slow down the loan modification process. The bank, whichever company is, has not review my file properly for a loan modification. The bank has neglected 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 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
This is a continuation of the issue that was addressed in complaint # XXXX. Ditech addressed the complaint noted above and posted my payments to my mortgage XXXX/XXXX/16 as well as waived the late fees. I received my XXXX/XXXX/16 statement from Ditech and now my XXXX payment has not been applied to my mortgage account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
Ditech mortgage was showing me as 2 times 30 in 2016. I printed off my payment history from their site and have cancelled checks to prove I was not late ever. Once I disputed with credit and filed a complaint with Ditech they agreed to research then marked me 5 times 30 for 2016. Again, I have never been late with them and have the proof from their website and my cancelled checks. Now they wont respond. I have been adversely affected by this as I can not refinance, and am not able to get pre approved to purchase a home which we were looking to do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
Tree Green Tree Services were added to my Chapter XXXX bankruptcy case XXXX in 2009. My bankruptcy is discharged and paid in full and now they are coming after me with more debt tacked on. I paid them as agree in the bankruptcy, and they refuse to send me my deed. They have sent people to my home and threatened to remove me from my home and sent paperwork to the sheriff 's department trying to issue foreclosure, and when the sheriff 's department come to serve the paperwork, I show them the bankruptcy papers, they refuse to leave me alone. They sold the loan to Ditech and they are using the same procedures to try to foreclose and keep harassment going.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
The mortgage servicer made XXXX errors on my mortgage account in the past two months : First, they automatically credited my XXXX XXXX mortgage payment erroneously to the escrow account. They then claimed that I did n't pay two months of mortgage payments and owe late fees. They also claimed that when I attempted to pay my XXXX XXXX payment, I entered an incorrect bank account number - but they did n't inform me until over three weeks later, thereby making for more late fees. I do n't believe any of this is accurate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I had a REDcard acct that I only used at XXXX time, and I do n't think I had used it since XXXX of XXXX. I purchased a birthday present for my grandson on XXXX XXXX, XXXX. I went to pay, the clerk asked me if I wanted to use my REDcard, she said i 'd get more of a discount on that purchase, so I said, " Okay. '' That was a mistake. I charged {$25.00} on XXXX/XXXX/XXXX, then shortly after that, my son-in-law had an on-the-job accident that was XXXX, and my XXXX year old grandson was sick for weeks XXXX. They are both mostly fine now. But during that time, I was rarely even getting the mail out of the mailbox, let alone opening it. I was a basket case, and almost never home. So finally, my life returns to some normalcy and on Friday, XXXX XXXX, I open this bill from REDcard stating I owe {$120.00}. I called Target Card Services to ask them to forgive one or two of the late fees, but they say the OCC prevents them from forgiving any of the late fees, plus, if I close it without paying all the late fees the late fees will continue to stack up, another {$35.00} each month, even though the account is closed. I talked to XXXX and told him i wanted to close the account. Then I went straight to the US post office and mailed them a check for {$25.00}, along with a letter detailing what had transpired, and reiterated that I had asked for the account to be closed on the phone with XXXX on XXXX/XXXX/XXXX. I felt like they were strong-arming me, as if i was involved in a case of extortion. I just could not believe they would not waive at least one of the late fees. I actually thought what they were telling me was illegal. So now I intend to find out if what they are doing is in fact legal.

Company response to consumer: Closed with explanation