vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
My mortgage was with Greentree Servicing and recently changed to Ditech Financial LLC I received a letter from the foreclosure attorney XXXX XXXX XXXX stating they were going to foreclose on my property XX/XX/XXXX the letter is dated XX/XX/XXXX and the sale is set for less than thirty days. I understand by Law I 'm suppose to a receive a 30 day notice before the sale was set. I submitted a modification request and financials to Green Tree Servicing several times they have been unwilling to work with me, and now I have a new mortgage company Dietech. I want to keep my house, please help 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 2016-05-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Bureau of Lancaster County, Inc.
State: NJ

Complaint narrative:
I was notified by my credit company that my credit score had dropped. I checked my credit report and saw that I had a collection agency report. I was never notified of the debt, never given a chance to dispute it or to give my insurance information. Lancaster Collection alleges that they do n't have my info but they were still able to place it on my credit report. They could have gotten my address and phone number ( same number for 15 years ) from my credit report. When I called they said it would take 55 days to remove this from my credit report!!!! I was never given a chance to stop it from going on my credit report. I am suffering damages each day my credit score is artificially lower. Car insurance renewal, credit card companies evaluating me for offers or lowering credit limit thus increasing my debt ratio. This is terrible that they have the power to do this without speaking to me first!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Debt Holdings, LLC
State: TX

Complaint narrative:
I started receiving calls and voicemails stating the call is regarding a notice to appear in court that will be processed. The voicemail states I am facing allegations regarding my social security number ( XXXX provided the last XXXX of my social on my voicemail ) in connection with a check, misrepresentation for income assistance. The party states this is the final attempt and is asking me to call for a phone deposition to file for dismal, because the accusing party and their representatives are moving forward to have me severed for legal action. Once I receive an order to appear, I will not be able to dispute the consequence rendered because they can prove I disregarded the matter. 
I currently work for a collection agency in XXXX, Texas. I temporarily retained my company 's general counsel, to contact the company leaving me voicemails. The representative with this company, XXXX XXXX, refused to confirm the name of their company. My voicemail states XXXX XXXX, the representatives provided the name XXXX XXXX and when I called back I was given XXXX XXXX XXXX as their name. After being hung up on multiple times, we spoke with XXXX XXXX 's " supervisor '' XXXX XXXX. XXXX XXXX refused to provide the companies address and eventually stated their company no longer wishes to do business with me and will not speak with me any further. 
Prior to involving my general counsel, I called the company on my own and was informed the debt is for Check-N-Go and is now with United Debt Holdings. I asked the representative, XXXX XXXX, if they were a collection agency, as I was not provided the Mini Miranda and was told they were retained by United Debt Holdings. During the call, I asked if the representative if his company or United Debt Holdings purchased my debt and the party refused to answer my question. 
I attempted to contact United Debt Holdings to verify they in fact are now handling my alleged debt and outsourced my account to another company. I have not been able to reach anyone with this company phone and their recordings prompts me to leave a voicemail including my name and social security number, which I do not wish to do.

Company response to consumer: Closed
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Please see below response from Commonwealth Financial to Consumer Financial Protection Bureau. AS OF TODAY XXXX/XXXX/2016 THE DEBT IS STILL SHOWING ON MY CREDIT REPORT ALTHOUGH THE BELOW STATES THAT IT WAS REMOVED. This debt is not mine as stated in previous communication. The statements below are untrue as I had received communication prior to me filing a complaint at the same address. There was no reason anything would have been sent back to them. There whole establishment is shady at best. And the fact remains that they said they reported this debt to be removed, but it is still showing on my credit. 

Response Re # XXXX To Whom It May Concern : This letter is acknowledgment that a complaint was received from your office on behalf of XXXX XXXX XXXX. Commonwealth Financial Systems received certified mail from XXXX XXXX on XX/XX/2016. XXXX XXXX disputed the claim and requested validation of debt. On XX/XX/2016 an itemized billing statement was mailed to her, however, it was returned for bad address. In addition XXXX sent notice to the XXXX major CRA 's to remove the tradeline from XXXX XXXX 's credit history in XX/XX/XXXX. Please provide an updated address so that we can resend the itemized billing statement. XXXX XXXX can reach our office at XXXX. Our fax number is XXXX. 
Please feel free to contact my office should you need further assistance. 
Thank You. 
Sincerely, XXXX XXXX Client Relations This is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
I initially requested a hardship/deferment for my student loans with ECMC. I did n't receive any late notices or requesting information letters from this service provider. Now I am receiving letters of wage garnishments. When I talk to reps on the phone my calls are never documented like they should. I have even reached out to the ombudsman. I have submitted requests to have documents to be re-sent to me, and have not received anything. I have even requested assistance on how to rehab the loan. This collection agency is not helpful at all. I am willing to pay something, but they will not provide the requested information in writing.

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 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I had dealt with the issue on my credit report last year which was with XXXX. I had Lost my home into foreclosure in XXXX ; due to failed, XXXX. ( Which was all cause from an auto accident in XXXX ; a driver that was texting that hit me from behind! ) I 'm now on social security XXXX. I had to get the XXXX mortgage with XXXX, released before I was able to close on my home. So this was taken care of as of last year, closed XXXX XXXX, XXXX. I received in the mail a letter XXXX, from XXXX XXXX XXXX Acct. XXXX this letter in ref. to property, my old address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NH

Complaint narrative:
I have had what I thought was a morgage on my mobile home for the past 17 years ... a $ XXXX/30 yr morgage with 13.5 interest rate. Recently I learned that it was not a morgage but a regular loan with " Ditech '' formerly Greentree. They took over GreenTree loans earlier this year and it has been an awful experience. I was working with Greetree due to unemployment, when I could not get in touch with them. I finally had someone from ditech call me, harrasing me, referring to me as " baby girl '' telling me I better have somewhere to go cuz I 'm outa there!!! I was beside myself. I tried to explain that I had been working with GreenTree, that they were supposed to move a payment to the back of my loan. He said it did n't matter due to Ditech taking over. He would call and call, when I answered he would say crued things and eventually I stopped answering. I got to scared to call, scared to answer. He goes by the name Mr.MacDonald. This was just some of it. Since XXXX they have refused any payment from me ... saying they were bringing to the next level. In XXXX I paid two months. I 've tried to pay since ... they say now that because it 's past 90 days they can not accept payment ... .because it 's gone to their attorney. It was not 90 days late when they innitially refused payment. 
Help!! I do n't even qualify for a home loan modification, because it 's not a morgage???? I was never told that. I 've always known it to be a morgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I am having an ongoing issue with ditech, just checked my bank statements from 2015 ditech never sent a check in the amount of XXXX, it was actually XXXX. I am tired of the run around from this company. I will now be sending a complaint to HUD. Even from their own statements you can tell they are ripping us off with the escrow. This is not a new loan. I will be attending a forum Wednesday hosted by the nonprofit business alliance for a sound economy. In attendance will be Senator XXXX XXXX, Rep. XXXX XXXX, Rep. XXXX XXXX and Rep. XXXX XXXX. At that time I will be showing all taxes statements from ditech along with the emails they have sent me.As you can probably tell they will be discussing homeowners issues. If I was ditech I would have a representative there.I will not stop until they give me my money that is owed that they stole from us through escrow.In North Carolina it is against the law to fudge tax statements.And XXXX XXXX the paralegal from ditech needs to go back to school and learn how to do an escrow. As does most of the people that I talked to from ditech.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 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: Meade & Associates, Inc.
State: OH

Complaint narrative:
MEADE & ASSOCIATES XXXX I have a a unverified account from Meade & Assoc. I had previously disputed this account. I have never done business with MEADE & ASSOCIATES Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C.169g, I dispute the validity of the debt MEADE & ASSOCIATES and I believe it is a HIPPA Act violation. I request that MEADE & ASSOCIATES 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 XXXX. ) 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 & ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number

Company response to consumer: Closed
Consumer complaint received 2017-02-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I have been in previous communication with PDQ Services, a debt collector located in XXXX, GA, regarding a balance that the company claims I owe to a medical office, XXXX. Despite my disputing the validity of this balance and submitting substantiating documentation, a record of it has been placed on my credit reports. 

I visited XXXX on XXXX/XXXX/2014, at which time I was assessed total charges of {$1300.00}. Credits/adjustments totaling {$650.00} ( mostly from medical insurance discounts and benefits ) were issued on XXXX/XXXX/2014, with one additional credit of {$3.00} issued on XXXX/XXXX/2014. This left a balance of {$660.00} payable to your client, as documented on the statement from XXXX and provided to PDQ. This same balance was transferred to PDQ on XXXX/XXXX/2014, as documented by the same statement. This amount was paid via a mailed check, which cleared my bank on XXXX/XXXX/2014. PDQ claims that a balance is still owed, yet thus far has been unable to validate or even produce any documentation of it. As such, PDQ is in possible violation of the FDCPA. 

I will attach my billing statement from XXXX, which details all of the actions described above. I will also attach a copy of my XXXX 2014 bank statement from XXXX, which shows a payment of {$660.00} to XXXX that cleared the bank on XXXX/XXXX/2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
This complaint concerns a proposed short sale transaction involving the primary residence of borrowers in XXXX County, Florida. This complaint is filed by the law firm representing the defendants / borrowers in the subject foreclosure action. On or about XXXX XXXX, 2016 a complete short sale package including an offer and all the supporting financial documentation of the borrowers was submitted to Di-Tech as the current servicer for note owner, XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX, 2016, our law office was notified verbally that the short sale had been approved. However, on XXXX XXXX, 2016, the undersigned attorney received an email from XXXX indicating that the Mortgage Insurer on the subject loan ( XXXX ) would not agree to the short sale that had been approved by the investor on the loan. In fact, upon further follow up it was discovered that investor would not negotiate in good faith with Mortgage Insurer in effort to seek a resolution whereby investor would pay an agreed negotiated amount of net proceeds from the short sale to Mortgage Insurer, as is common and customary. Further, investor/ servicer refuses to provide the mortgage insurer contact information this law office in order that we may be able to help negotiate a resolution. Most recently, representatives of Di-Tech have not returned phone calls or emails. The basis of this complaint is the failure of good faith loss mitigation processing on the part of Di-Tech and XXXX XXXX XXXX XXXX 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 2015-08-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
I disputed a medical bill on my credit report. i disputed it with the credit bureaus and with the collection agency who reported the bill to the credit bureaus. in attempting to verify the debt, thr collection agency sent me an itemized list of medications with a total that was well below the total they claimed that I owed and haphazardly used and shared sensitive and private medical information in the process. I sent the collection agency another letter of dispute, and also disputed the information with the credit bureaus again. HOWEVER, the credit bureaus have marked the bill as verified and are no longer allowing me to dispute the bill with them, due to the fact that they have already " investigated and verified the debt '' but can not disclose the sensitive information that proves the debt has been verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
My loan for my home was with XXXX XXXX XXXX. It was sold recently to XXXX I was working with company to do a modification, because of problem, s I was in forclosure..I mailed and faxed all my info to complete the modification. 
They sold the servicing rights XXXX this is the worst company, every day i call they tell me they dont have my information from the previous service company. 

in the mean tome my house is still in foreclusure and my attorney says it will be sold if i do not receive a modifcation. 
But everytime i call they tell me they dont have my information from previous servicer.. 
They are holding me XXXX. 
i need help, Plus I told them that I want to make a payment,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Empire Resolutions Group
State: LA

Complaint narrative:
XXXX XXXX with Empire Resolutions has called my ex-husband, his Mother, and his brother, when he has my phone numbers and I have spoken to him about my desire to pay the debt. His illegal calls were made after I tried to set up a payment, but the lawyer promising me to have my divorce settlement keeps promising a date for my money, then having a reason for pushing it back. I have been trying to get this divorce settlement for over a year and this is the reason that I could not pay the XXXX bill. The original bill amount was XXXX. I would happily set up to pay this amount. XXXX XXXX XXXX led me to believe that the amount he quoted me was the original debt amount, less fees and late charges. It turned out that it was the full amount with fees and finance charges. He threatened to take me to court if I did not agree to pay the full amount, which he said would easily cost me XXXX times the amount. When I called him back he said that they were not a debt collection agency but a pre-law company and that their lawyers said that the amount of the debt was low so they would not take off the fees. I believe he was lying to me and trying to threaten and scare me into agreeing to pay the full debt to his advantage. i am trying hard to pay my debts and do not plan to file bankruptcy. I am sick of all the collection agencies using these tactics to collect their fees. This man should lose his job. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Eagle Home Mortgage, LLC
State: FL

Complaint narrative:
We placed a contract on a new construction spec home owned by XXXX. At the time, our current home was under contract ( cash deal ) and we had to close in 3 weeks. The realtor at XXXX did not make the sales contract contingent on the sale of our home, but instead made it contingent on our ability to obtain financing within 30 days. He also suggested that we put down a hefty binder deposit of XXXX to secure this new home. We did. 
Two days after signing the contract for the purchase of our new home with XXXX, our buyers backed out of the deal to purchase our existing home. This left us with XXXX choices if we still wanted to move to the XXXX XXXX. 1. Put our house back on the market ASAP or 2. Rent out our current home. After doing much analysis on market conditions, etc.. we decided that we did not want to do either, and we would just remain in our current home and get denied on the new construction XXXX XXXX based on the fact that we ca n't qualify for both payments. 
My husband and I have been in salaried jobs for 20 years and we are still in those jobs. However, in the past 3 years, we opened a business which has sustained significant losses. When submitting the documentation for our loan, we provided tax returns showing these losses over the past two years. 
Our initial ( verbal ) loan approval was based on the requirement that we would either need to rent or sell our current home. We told that that we wanted to do neither and we submitted our official Notice of Cancellation and asked that they return our {$10000.00} earnest money check. The very next day, we get a call from UAMC ( XXXX 's mortgage company ) saying that they are overlooking the losses on our tax returns and that we are approved carrying XXXX mortgages. 
Based on this unconditional loan approval, we have XXXX options : 1. We close on the new home or 2. We lose our earnest money deposit or 3. XXXX holds the earnest money for 12 months and we buy another XXXX XXXX. 
Our issue with this is that we KNOW we ca n't afford our current mortgage plus the new mortgage based on our current ( and sustained ) business losses. They are forcing us into a financial situation that we ca n't afford and that significantly worsens our financial position. Our Debt to Income ratio without counting our business loss is roughly 37 %. Our Debt to Income ratio while counting out business loss is roughly XXXX %. I know that the XXXX standard for DTI max is XXXX %. We greatly exceed that DTI when our tax returns are factored in. We do n't understand how a lender can 'overlook ' a two year average of almost {$65000.00} in business losses, and therefore force us to purchase a home that they KNOW we ca n't afford.

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