vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
I have asked several times for verification of this debt, i have never received any actual proof that I owe any money, they still reported this account to the credit Bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
calls 3-4 times a day saying I owe a debt. I acknowledged that I owed the debt but still keeps harassing me. called this morning XXXX/XXXX/2016 at XXXX. and calls frequently through out the day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Debt Management Incorporated
State: AZ

Complaint narrative:
I was called several times by Debt Management Inc, they were claiming to be a debt collector and wanted me to verify my full social security over the phone. I chose not to do so as I 've had my identity stolen in the past. They claimed to have sent letters, which I never received. They also continued to call me in a harassing manner ( XXXX calls a day ), after I asked them to communicate through written correspondence. XXXX day, I received a voicemail, stating that they were going to file suit, had retained attorneys, and that I had XXXX hours to call them " or else. '' I notified the agent that I was recording the call, he said that it was unlikely that I was doing so, he also asked if I liked not paying my debts and asked if I wanted to go to jail. He hung up, called me back and continued to refuse to email me any sort of verification until I told him that unless I received an email of the debt ( ie : receipt ), that I would n't pay. Without my prompting, he said the last XXXX of my social security, current address, previous address, my full name, and other sensitive information without verifying who I was. After I verified the bill of {$60.00}, I asked to talk to his supervisor. His supervisor got on the phone, started to incoherently scream at me, and when I let him know that I 'd like to record the call, he started screaming that he could have me sued and arrest me if I was recording him. He also said that he could record me but I was n't allowed to record him. Not only was my personal information given over the phone, I was threatened XXXX to be arrested, but I was harassed. As somebody who pays all of my bills and with a flawless credit history, this was a scary and upsetting experience. The health clinic also stated that despite paying, they 've reported me as " refusing to pay. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My home was XXXX and fortunately I was able to sell it and pay the loan off in full. My closing date was XXXX/XXXX/15. I obtained a payoff from the attorney and have the confirmation of delivery in addition to them acknowleding that they had it and said they forwarded it to the mortgage company. They received the payoff in time. It was paid in full based on the payoff and Ditech has still not paid the loan off. They continue to pursue me via mail for collections and are now asking me for proof of Home owners ins. They actually owe me money because based on when the loan was paid off, it was over paid based on the good thru date and they owe me interest for those days. They also owe me money for the forced placed ins that the premium was paid in full for the year in the payoff and I did not use it for the full length of time. The via XXXX tracking # is XXXX check # XXXX for {$350000.00} sent to Ditech Financial LLC XXXX XXXX XXXX XXXX XXXX, IL 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 2016-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
MY SERVICER, DITECH, FORCED PLACED INSURANCE 8 MONTHS AGO, AND STILL CONTINUES TO COLLECT THE PREMIUM FOR IT, EVEN AFTER I PROVIDED PROOF OF MY EXISTING POLICY IN XXXX ( WHICH THEY ACKNOWLEDGED RECEIPT OF ) AND THEY HAVE NOT APPLIED A CREDIT. I 'VE CALLED 5 OR 6 TIMES TO GET THIS RESOLVED AND HAVE HAD NO LUCK GETTING THE SITUATION RESOLVED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27 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: BTH Management
State: OH

Complaint narrative:
I have a a unverified account from PLAZA SERVICES # XXXX. I had previously disputed this account. I have never done business with PLAZA SERVICES. Pursuant to the Fair Debt Collection Practices Act 609 ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PLAZA SERVICES Provide verification of the following : 1. ) The contract Agreement between the Original Creditor or 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 PLAZA SERVICES 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 with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I filed for chapter XXXX bankruptcy relief on XXXX/XXXX/2015. My case was dismissed due to not paying my installment fee by due date. My case was re-opened. During the time that my case was dismissed creditor I am complaining against sent me another attempt to collect debt from a completely different company ( since they were included in my list of creditors ). I went to bankruptcy clerk to amend my list of creditors to include this company although they were originally listed as ECMC. About two weeks later I received an attempt to garnish my wages from the same company but using an address different than the one I included in my amendment. I should not be receiving any attempts to collect as I am under an automatic stay and have also requested an extension to my stay due to my case being temporarily dismissed and re-opened. I have been disputing the validity of this debt for 10+ years and this debt keeps being resold to different creditor companies.

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 2015-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My mortgage loan was paid off XXXX XXXX. I was told to expect my refund within 10 working days from our notary, who was previously an escrow officer. I called the mortgage company on XXXX XXXX was told that, by law, they would not be releasing my {$4000.00} escrow account balance for 30 days. That is totally unacceptable to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Tormey Bewley Corporation
State: NM

Complaint narrative:
I had an operation in XX/XX/XXXX and my insurance covered all charges. Received notification from the provider XXXX XXXX in XX/XX/XXXX indicating they were n't paid. Called immediately and gave them insurance info. Never heard back. 
XX/XX/XXXX ran my yearly credit report and found a collection agency had put negative mark on my report. Called agency and asked who they were representing, why they had never sent me any kind of written notification or called me. 
They claimed they had wrong address and claimed to have called me XXXX times, which was an out and out lie. I never received XXXX call or message from them. Told them by not giving me the opportunity to dispute the debt, and immediately reporting my account to the credit bureaus that they violated the Fair Debt Collection Practices act. They did n't seem to care I then requested they provide me with proof that their client, XXXX XXXX, had filed a claim with my insurance company on a timely basis, and what exactly I was billed for, and they refused. It is companies like this that give the whole industry a bad name.

Company response to consumer: Closed
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Innovis
State: MD

Complaint narrative:
The credit reporting agencies are incorrectly reporting my current account status as XXXX120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
DITECH FINANCIAL LLC., and XXXX are attempting to sale my home on the courthouse steps XX/XX/XXXX with an assignment that was robo signed XX/XX/XXXX by XXXX an atty that was attempting to foreclosure a few year ago. the assignment was created after the cut off date of the of the XXXX. According to section 201 of the pooling and service agreement had to be conveyed prior to this cutt of date of XX/XX/XXXX. The assignment is fraudulent ATTY XXXX was not the vice president of XXXX. HE WAS THE FORECLOSING LAWYER. XXXX signed a verified affidavit XX/XX/XXXX, and it was filed in SUPERIOR COURT OF XXXX GA XX/XX/XXXX. This affidavit was also recorded in the deed book. I have asked that my concerns be address, and this foreclosure be stopped for XX/XX/XXXX The cut off date of the trust in section 201 clearly states that this assignment should have been obtain before XXXX, also it contain fraudulent infomation, and fraud can not be the basics of obtain a deed. my main goal is to keep my house with an affordable payment to the write party

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
On approximately XXXX XXXX, 2016 I contacted Ditech Financial, the holder of the mortgage on my home, with a question regarding the process for making a large payment against the remaining principle and also asking if I qualified for a " recast '' of the loan. I have received two letters from Ditech Financial both telling me that they are investigating my question. THIS IS A SIMPLE QUESTION! They are dragging their feet because they make over $ XXXX/day in interest on my loan. Every day they delay, more money goes in their pocket.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Bureau of Lancaster County, Inc.
State: FL

Complaint narrative:
Please I called to lancaste collector and they are n't longer with that account so they gave me the new collector number I contacted that collector make a payment en full he sent me the receipt. Later sent the receipt to credit burrows and they do n't removed from my credit report that account. 
That payment was make it XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ECMC GROUP, INC.

Complaint narrative:
Consumer Financial Protection Bureau, To whom it may concern, The purpose of this letter is to submit a third complaint against XXXX [ XXXX ], now known as ECMC- the Education Credit Management Corporation . The previous XXXX complaints are under file case # XXXX & file case # XXXX. Back on XX/XX/XXXX, XXXX- Ombudsman at ECMC- responded to my last complaint stating that she determined that XXXX should have refunded my XXXX loan disbursement. XXXX then made the necessary adjustments, but there are still irregularities in the final calculation of my loan balance. As I have previously stated, this loan dates back to XX/XX/XXXX, from which I have been disputing this loan with different agencies ; first with XXXX, then XXXX, and now with ECMC. 

Even though I have been disputing this loan, I have submitted payments to the amount of {$1700.00} towards the amortization of this loan. Back on XX/XX/XXXX, I submitted a request for a breakdown of how ECMC recalculated the loan balance after having removed {$2500.00} from the original balance. They sent me a new total balance of {$2100.00}, for which {$1.00}, XXXX is principal, {$380.00} interest, and {$410.00} collection costs. In one of their balance sheets, they have a current principal balance [ dated XX/XX/XXXX ] of {$780.00}. I have been disputing this loan, and it was found that I was correct in my claims. ECMC has always had my contact information- of which I have been the one contacting them in this dispute- why are they charging me collection fees and interest when they failed to acknowledge my complaints? How are they jumping from {$780.00} to {$1300.00}, unless this loan is a negative amortization loan? My question to the Consumer Financial Protection Bureau ( CFPB ) is, back in XX/XX/XXXX, CFPB came into an agreement with ECMC regarding the purchase of certain assets of XXXX in which ECMC is to provide debt relief to XXXX students ; how come ECMC has gotten a free bailout pass from the government, supposedly for the sake of many students, but they are still continuing the predatory practices of XXXX? 

Please respond at your earliest convenience, and thank you in advance for helping combat the exploitative practices of agencies like XXXX, XXXX and ECMC XXXX and protecting victims, such as myself, from these dire cases of student exploitation. 

Sincerely, 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 2015-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
I am a homeowner who recently applied for a modification. XXXX lender ( Ditech LLC ) bought out my previous lender ( GreenTree LLC ) and while I was in the middle of that modification. Paper work was n't sent to me in a timely manner. I am in another modification process My income of {$1900.00} per month and my mortgage payment is {$860.00}. I am a single XXXX mother with a young child. I was divorced from her father, who an accountant with the XXXX. He passed away in XX/XX/XXXX but he and I were married when the home was purchased. He wanted her to have this home. It is her inheritance. We have been in the home since XX/XX/XXXX. We are struggling and would like a modification so we can live and have essentials and also make monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I am still having problems with Ditech in receiving a resolution on my loan Modification/Assumption. I need you to assist me in this matter as they are not responding to me. I truly believe they are not acting in a fair and just way. Please contact me and I can submit my entire file via fax. XXXX 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 2016-10-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Since XXXX, I 've been attempting to get Ditech to correct my escrow charges to no avail. I have XXXX Ditech mortgages. Both loans had " lender-placed insurance '' which was canceled per Ditech 's own written correspondence on XXXX/XXXX/2016. However, I continue to be charged escrow for " insurance '' every month since then. ( My loans do NOT escrow for taxes or insurance. There were forced-placed insurance charges earlier in the year due to my condo association losing their coverage temporarily. ) I need my monthly payments to be adjusted to remove the escrow charges, as well as a refund for escrow payments already made. I have emailed Ditech numerous times ; I have spoken to countless representatives that keep reassuring me the escrow issue will be resolved shortly. I 've left several messages on the voicemails of supervisors ( including XXXX XXXX ) -- and have never received a call back. Over three months later, nothing has been resolved. 

I continue to make the full payments ( including the erroneous escrow charges ) to avoid late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I have owned my home since XXXX but am danger of losing the home to foreclosure because the agents at DiTech will not allow me the opportunity to be considered for government programs for FHA loans. I refinanced into an FHA adjustable rate loan in XXXX through XXXX XXXX and this lowered my monthly payment. My loan has been transferred a couple of times and it is now held by DiTech. Last year I was XXXX and had significant medical bills that wiped out all of my reserves and put me in a tough situation. To make matters worse, my roommate lost her job and was not able to help out with her portion of the bills. I fell behind on the mortgage payment and reached out to DiTech to see if they had any programs to assist me. They told me they could offer a repayment plan, but when I received the paperwork I realized that this plan raised my payment over {$300.00} a month. This was not something I could afford.. When I inquired about modification, I was told that I needed to refinance my loan. This did not make any sense because I was already behind on my mortgage and I knew that was not allowed. I then attempted to get a review initiated for a modification but the DiTech agents stated that my rate is already low so I ca n't be considered for any other options and that now they were going to foreclose on my home. 

This is an FHA loan and I know that there are several programs available for struggling homeowners, such as modification, forbearance agreement or partial claim. I am certain that I fit the criteria for some or all of these programs and I am extremely upset that DiTech seems to think they make the rules instead of following federal guidelines. I was recently diagnosed with XXXX and was overwhelmed with significant medical bills that put me into an unfavorable financial position. In that same time frame my roommate lost her job and has not been able to pay her rent. These factors led me to fall behind. I am able to afford a fair and reasonable mortgage payment but need DiTech to consider me for ALL available programs, not just a repayment plan that increases my monthly obligation. I have a good job ( have been there 25 years ) and if given the chance I will make all payments as agreed. DiTech just has to understand the situation. I have even attempted to resume making mortgage payments but DiTech has refused to accept these payments, telling me the only option is to repay the entire amount due in one large sum. 

I am concerned that DiTech is not allowing me access to all government programs because they know the loan is insured by the government and they just want to cash in. I want the opportunity to fix it, and wish to file a formal complaint against DiTech in order to get them to play fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I lost my daugher and my son. I am now losing everything, I am trying to short sell the home to start over and DiTech is saying they ran my credit report and that XXXX advised them their is no FICO score, nor do I have sufficient credit? I spoke with XXXX and they advised DiTech has requested nothing!!! This is holding up me going on with my sad life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
My mortgage servicer was accepting payments from me up until XX/XX/2015. I was also trying to catch up on my late balance from when I was working and had no other income. They sent me XXXX checks back and said my mortgage is in default and they have stated foreclosure proceedings. Why ca n't I continue to make payments to try and resolve this issue? I do not want to lose my house. If I had the {$6500.00}. plus to give them immediately, I would. I am searching for other options, such as retirement money or a loan from somewhere. I want to pay them. Can you help me, please???

Company response to consumer: Closed with explanation