vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
our XXXX, XXXX, and XXXX XXXX and our XXXX XXXX payments to Ditech servicing have cleared our bank. Ditech claims to not have received them. The payments were made electronically through our bank 's bill pay. XXXX XXXX, i first notified Ditech of XXXX and XXXX missing payments. despite repeated communiques, I have received nothing from Ditech regarding missing payments. I charge them with theft.

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 2017-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
On or about XX/XX/2017 I sent a certified letter to Debt Recovery solutions asking that they verify the debt on account, ownership, and legal documentation of their right to pursue debt. They have not responded, it 's been over 30 days. Yet they have added a collection to my credit report. They are in violation of the FCRA.

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 2016-03-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I am desperate need of a loan modification and I was denied by Greentree XX/XX/2013. I am a XXXX year old widow and according to Greentree I was not offered a loan modification because my income was outside of the range by XXXX cents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
In XX/XX/XXXX, I made an Agreement with XXXX Home loan for a {$40000.00} mortgage. Before I could pay the XXXX payment, the loan had been transferred to XXXX. XXXX held the mortgage briefly and then transferred it to XXXX XXXX XXXX, who transferred it to Green Tree Servicing. During the life of the loan, I paid approximately {$55.00}, XXXX toward the {$40000.00} loan, interest of {$15000.00} is not unreasonable. 
Recently, I inquired of Green Tree about the loan and the process. Green Tree responded that I agreed to pay XXXX 8.3750 % on the loan and that the 'Actuarial interest ' is calculated on a thirty day basis, marked as Ex. " A. '' The original note speaks of annual percentage not periodic as was being deducted from the payments. I consider this to be predatory lending and facts not revealed that should have been divulged during the time that the house was being purchased, marked as Ex. " B. '' Under the terms in which Green Tree speaks, at the end of the 30 years, I will have paid {$210000.00}. on a {$40000.00} loan. This is unacceptable. Green Tree advertise a 4 % interest rate, but failed to adjust or modify my rate to reflect today 's trend. 
On XX/XX/XXXX, Green Tree wrote me saying that on XX/XX/XXXX, an online payment of {$2500.00} was deducted from my account and applied toward the mortgage ; however, this was only a partial payment of {$2.00}, XXXX. XXXX XXXX monthly payment less escrow ), which was placed in the unapplied funds account, herein attached and marked Exhibit " C. '' Green Tree 's payment history does not show the XX/XX/XXXX payment, but, it does show that I owe a balance of {$36.00}, XXXX, marked as Ex. " D. '' The XXXX XXXX XXXX Office list the Assessed Value of the home at {$12.00}, XXXX, this would make the house {$27.00}, XXXX underwater. The same office places the Market value at {$35000.00} which is {$4.00}, XXXX under the loan amount, marked as Ex. " E. '' The difference between the Market Value and the Assessed Value is : $ XXXX {$23000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: DE

Complaint narrative:
On XX/XX/XXXX I purchased a home in the state of AZ. On that day I opened XXXX mortgages ( in other words ... an XXXX split ). In XX/XX/XXXX that property was foreclosed on by XXXX XXXX XXXX via Trustee Sale. Three months before foreclosing XXXX sold the smaller loan to Green Tree. The balance of this loan is considered purchase money as it originated at the same date and time as the 80 % loan ; therefore, this loan meets the requirements for protection under Arizona 's Anti-Deficiency Statutes XXXX ( A ) and XXXX ( G ) ( it was utilized as a single XXXXfamily dwelling and is located on less than XXXX acres ). I have spoken to Green Tree on MULTIPLE occasions over the past 5 years about this issue and they are still reporting that I owe the balance on 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 2016-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I filed a complaint with CFPB regarding Ditech Financial and their accounting practices and holding mortgage funds in suspense and creating an excessive delinquency. Since my original complaint, Ditech has began returning my mortgage payments. I have made bi-monthly/bi-weekly payments since XX/XX/XXXX. At one point the mortgage company did the auto-draft payment withdrawals every 2 weeks. I stopped the payments when my pay days changed and I was unemployed. However, I continued to send in the payments. Ditech always accepted the payments until XX/XX/XXXX. I believe that it is retaliation for the letters to my US Senator and for filing a complaint with CFPB.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
I have been contacted on XXXX occassions from people claiming to be from commonwealth with a lawyer named XXXX XXXX threatening to sue me if i do not pay him within 72 hours. I was also told I would have to pay {$5000.00} in fines and court fees and that a uniformed officer will be coming to my home. XXXX also threatened me saying " dont worry maam Ill see you ''. He refuses to give any additional information. I explained to him that I paid the card off and have proof of it and I was willing to forward it to him, to which he replied he didnt care and that I am lying and it wasnt paid and I need to pay him. He is threatening and rude and hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
I recently discovered that in early XXXX 2017, the company reported negative information to the credit bureaus regarding a debt I have no knowledge of. I have never received any correspondence from the company and have no idea who they are or who the alleged original creditor is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc.
State: NV

Complaint narrative:
The original creditor and Commonwealth Financial servicces have previously been notified this debt was the result of identity theft.. Commonwealth and the original creditor removed it from my credit report.. The false debt has once agian been put on XXXX, XXXX, XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
These debts were removed previously from another company, about a year ago, then Commonwealth refilled all of them again after purchasing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 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: CO

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 

Furthermore, this debt has already been disputed and removed from my credit report multiple times, under the name of different debt collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Worth Finance Corporation
State: TX

Complaint narrative:
I previously submitted a complaint on worth finance for inaccuracy reporting and they responded back stating that they are reporting in compliance with fcra laws. My credit report is still inaccurate and is reflecting as a recent charge off with late pays being reported after the account was closed and charged off. I attached a picture of my current report showing the inaccuracy that they verified was correct and below is their response to my initial complaint. 

Worth finance said : Explanation of closure Worth Finance Corp ( WFC ) Statement : WFC has provided a redacted Account Reporting Review ( ARR ) Which shows the accuracy in our Credit Reporting regarding XXXX claims. WFC has provided redacted CDV from about XX/XX/XXXX which shows Accuracy in our Credit Reporting. Noting that our First Date of Delinquency shows as XX/XX/XXXX which show favor to XXXX. WFC has verified coding to CRA that show " Completed Investigation of FCRA Dispute- Consumer Disagrees '' XXXX ( XXXX ) opened a New Loan with Worth Finance Corp ( WFC ) on XX/XX/XXXX XXXX terms were 12 monthly payments, 1st payment due XX/XX/XXXX, her pay record is as follows ; XXXX made her first payment on XX/XX/XXXX, the payment covered her XX/XX/XXXX and XX/XX/XXXX payments with remaining applied to Payment due on XX/XX/XXXX. 
XXXX next paid on XX/XX/XXXX ; proceeds from payment along with credited overpayment on XX/XX/XXXX paid her XX/XX/XXXX payment due, however she remained past due for XX/XX/XXXX and XXXX. WFC Charged off her Balance on XX/XX/XXXX. XXXX First Date of Delinquency would be XX/XX/XXXX because although XX/XX/XXXX made and additional payment on XX/XX/XXXX, she never brought the Balance out of Delinquency since XX/XX/XXXX ( First Date of Delinquency ). 
On or about XX/XX/XXXX XXXX sent in a Consumer Dispute Verification ( CDV ) to XXXX stating " This account is inaccurate charge off accounts can only update status as per fcra and it is reporting late payment history on a 4 year old charge off please delete '' WFC investigated the CDV and upheld it per Fair Credit Reporting Act.

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 2015-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC.
State: VA

Complaint narrative:
Broker created a bait and switch, had multiple errors throughout the process ( APR pricing, closing costs, dates ), requested the same documentation multiple time and intentionally delayed the closing by being unresponsive, unprofessional and unclear. 

Through the underwriting process the Broker had several errors in pricing, costs, dates, had several oversights in documentation already provided, requested the same information from multiple sources all in an effort to intentionally delay the process. Broker was also unresponsive for long periods of time. 

Ultimately, he intentionally delayed so that he could raise rates and costs. 

Bait and switch, pricing and costs transparency, did not operate in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
I am a third party and do not have a debt they are trying to collect. They have contacted me several times after I have asked them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
I sent in a signed affidavit from a process server and sent it in and nothing has been done and my credit score is bad now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I closed on my home in XXXX 2015. When looking for my home we made it very clear to the real estate agent and the mortgage broker what our monthly payments can not exceed. Yesterday I saw a letter from the mortgage company that my escrow account is short {$3100.00}. This would increase my monthly payment to {$2200.00} from {$2000.00}. I can not afford the lump sum payment not the additional money on the mortgage payment. How can the mortgage broker grossly underestimate the escrow amounts? The mortgage broker was recommend to us from the real estate agent. We talked at length and after some research he had the best mortgage rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: DC

Complaint narrative:
BB and T returned a {$400.00} check presented on a day a monthly electronic deposit of {$500.00} went into my account. My bank statement does not identify the returned item and states " XXXX items '' were returned. They provided no explanation for the return and charge my account a {$36.00} fee. Sent the bank an internal inquiry and they did not respond.

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 2016-11-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
COMPLAINT TO CONSUMER This complain is against PORTFOLIO SERVICING due refusal to disclosed information regarding the supposed Investors of the fraudulent Mortgage Account # XXXX, Property : XXXX Fl XXXX. Select Portfolio Servicing falsely claiming to be Attorney in Law of supposed investors, base in fraudulent, suspicious, purported assignment mortgage, recorded on XXXX, is requiere under Section 6, The Real Estate Settlement Procedures Act ( RESPA ) to furnished investors information and principal office : To Servicing Bank : SELECT PORFOLIO SERVICING XXXX, UT XXXX Ref. : Select Portfolio Servicing Acc # XXXX Property : XXXX Fl XXXX NOTICE TO DISCLOSE INVESTORS INFORMATION The undersigned, pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) request Select Portfolio Servicing, Inc., to produce/disclose the following information : 1. Release Name and Headquarter Address of the supposed Investor of the Mortgage Acc # XXXX. 
2. Release XXXX BANK, XXXX, As Trustee 's representative name, in authority to handle decision/legal action on subject Mortgage signed by XXXX on XX/XX/XXXX. 
3. Release, but not limited, any assignment officially recorded by XXXX. to XXXX or any other institution, previous of the purported one recorded on XXXX by crooked and disbarred lawyer XXXX and XXXX. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

XXXX, Fl 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 2015-11-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc.
State: TX

Complaint narrative:
I have been sent to collections over a XXXX XXXX XXXX debt with a doctors group. I called and explained to them at least three times this was not my debt, I left the adjusters name and contact information and still they went forward. 

This was the responsibility of the treating Hospital to assure proper billing and the doctors group to assure whether this was a personal or insurance related debt. 

I am in the midst of repairing my credit in preparation for buying a house, this little {$100.00} dollar debt dropped my score by several points! This is wrong and I want it made right immediately or I will hire an attorney and sue for damages! Much more than the {$100.00} I assure it!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing and XXXX XXXX XXXX have attempted twice to foreclose on the principle amount of {$970000.00}. I had modified with XXXX XXXX/XXXX/09. The principle amount then was {$910000.00}. Select Portfolio monthly mortgage statements show the principle amount is {$840000.00}. Why the disparity in amounts? I have complained multitude of times. I have had two trustee sale dates. I have proven to SPS that they are in violation of Dual Tracking. And they claim they did not. I have documentation from XXXX XXXX XXXX recording a trustee sale date while I am in the Modification Loop. What can I do when they deny and deny the accuracy of the sale date county recordings and the ongoing documentation request for the pretend modification? Do I send you all the proof of the first sale date? 
Does SPS have the XXXX information. Where is my true Deed of Trust and Note? And now where do I go with the Dual Tracking proof?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Three months ago I requested that NationStar mortgage stop deducting the optional insurance from my mortgage. I even provided the necessary cancellation number they requested from the home warranty company, they still continue to deduct the insurance. it is now XX/XX/XXXX, they are still deducting the optional insurance from my mortgage. I have never dealt with a worse mortgage company. I ca n't get them to stop. I have called them. I do n't know what to do. I 'm on Social Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
Nationstar Mortgage LLC is violating the California Homeowner Bill of Rights by not modifying a loan and offering a TPP that is just a reinstatement of the loan with an upfront payment.

Company response to consumer: Closed
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar Mortgage , LLC has continued to state that XXXX is the owner of my mortgage loan. I am unclear as to the terminology which is being used in this statement because, XXXX ca n't be the owner of my mortgage, unless the promissory note was properly delivered to the trust by the cutoff dates that the trust could accept assets. If XXXX owns the mortgage or the note please provide the requisite chain of assignments from the originator to the sponsor who organized the securitization of the mortgage, to the depositor and then to the trustee. Please provide the delivery and acceptance receipt to document the transfer and delivery of the note from the originator, to the sponsor, from the sponsor to the depositor and from the depositor to the trust. Furthermore, I am disputing the promissory note as being the original note because a copy of the note can be copied multiple times. I want a color copy of the note, front and back and will not accept anything less.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
E-payments initiated through BB & T have the funds held out of the account at around XXXX the day the payment is initiated, these funds are held unavailable until the day the payment processes, usually XXXX business days. On XXXX occasions, this has caused some other checks to overdraft. That is to be expected. On these occasions, however, when the e-payment finally posted, it also was charged an overdraft even though the funds to cover the payment had been held out of the account for several days. I understand incurring XXXX charge, but there is no reasonable explanation for charging an overdraft because funds were held to cover a specific payment and then again for the payment that had funds held for it. You can do XXXX, but not XXXX. 

Additionally, BB & T claims a check deposited on XXXX was not available to cover payments made. BB & T posted the check on XXXX, the account the check was written from cleared the check on XXXX, it shows on the ledger balance as there and the account with a positive balance. They still claim it was overdrawn but can not explain exactly which order the checks cleared or the times they hit the account. 

Finally, on Tuesday, several checks overdrew the account ( due to e-payments holds ), XXXX employees cashed multiple checks into their accounts and while one would think those checks would post together, they were posted by BB & T not in the groups they were cashed in but rather in order to maximize the number of overdrafts that could be charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation