vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
Three years ago Debt Recovery Solutions put a collection on my XXXX and XXXX credit report stating that I owed {$420.00} for a physicians bill acquired through XXXX XXXX in XX/XX/XXXX. I called XXXX and they confirmed that I had no outstanding debts and they also confirmed that I had no services through them prior to my XXXX in XX/XX/XXXX, which I paid for 3 weeks prior to my XXXX. I got it removed from my report. Now that I am applying for a mortgage they put it back on my credit report and sent me two letters that I owe {$860.00} for services rendered by XXXX in XX/XX/XXXX and I owe another {$860.00} for services rendered by XXXX in XX/XX/XXXX. The letter said they are having a sale and I can settle these accounts, the XXXX from XX/XX/XXXX for the amount of {$380.00} and the XXXX from XX/XX/XXXX for the amount of {$350.00}. This is a total scam and they have hurt my credit, caused me to loose a deal on a property I wanted to buy and continue to make false reports to the credit reporting agency. What can I do to clear my credit and stop these scammers? I found over pages of similar complaints on the internet. This company must be stopped. 
They also said my address was from a property that I own but it is investment property and I never used it as my mailing address so I know they likely pulled that from the auditors web site.

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 2016-03-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Loan Servicer ( Green Tree, Ditech ) ruining my credit, deformation of character, false statements, lack of ability to provide documents, lack of proof of payments made, and poor and rude customer service. 
Original Loan Number XXXX Loan Type 2yr Interest Only Adjustable Rate LIBOR mortgage Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Hi XXXX The current mortgage note servicer is servicing a loan for XXXX or XXXX XXXX XXXX. The servicer was originally XXXX then XXXX and now Green Tree Aka DiTech. The " NOTE '' or ARM they claim to be collecting on was never signed by me and is not filed along with the other note and documents in the bureau of convenience in the State of Hawaii. It says I signed it the same day of my Securities Instrument which was said to be signed on XX/XX/XXXX. I signed all my documents on XX/XX/XXXX in front of a notary. It is very suspicious that the note that they claim is reason for them collection has no date next to my signature and is missing some of the J and the K is signed not like mine as it never touched mine touches 99 % of the time in the middle. Further this is now said to be held in Asset Back Securities which XXXX just got sued over by XXXX ( cert holder for my note ). Read here XXXX. Further XXXX is said to be the mortgagee of the note and only legal title to property. The sent me a truth in lending document signed by me supposedly showing a loan amount borrowed of XXXX and my mortgage document says XXXX which again is odd and shows poor truth in lending. To add to it the Notary and Loan officer at XXXX in XXXX XXXX Hawaii where or are husband and wife and there is allegations of him using her notary to falsify documents.These documents Ditech is claiming to have that allow them to collect or try to collect this debt are fraudulent, represent nothing, and hold no value to their claim to collect a debt. They have no idea even who the mortgagee is, the ability to provide proof if paid in full of turning ownership over, no grounds for collecting this debt, failure to diligently provide and prove that this is in fact a valid debt. I have tried time and time again to iterate this to them and it has failed. I am settling this matter with XXXX regarding the loan this Weds. XXXX/XXXX/XXXX and it has been once dismissed without prejudice in Hawaii District Court and has been further quitclaim by the condo association. Until these numb nut DiTech collecting company can provide adequate verification of debt, writing from mortgagee ( signed stamped notarized ) that in fact if I pay this debt off I have sole ownership and no futher legal issues. Proper documentation of servicer company, mortgagee note holder, and the bank that is certifying the asset backed notes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I had a HELOC from XXXX XXXX XXXX serviced by GreenTree Servicing. The house was foreclosed and the account was sent to collection. I worked out a settlement agreement with GreenTree. I have paid my agreed upon settlement of {$15000.00}. GreenTree misplaced some of my payments but the law firm handling the collection has said GreenTree found the payments in their system and would credit them appropriately. So far GreenTree has not responded to me with a letter stating I have fulfilled the agreed upon settlement. GreenTree has also sent new reports to the XXXX credit reporting agencies that my account is past due and that I did not pay. I would like GreenTree to send me an official letter stating I paid the account as agreed and that is is closed and paid. I would also like them to report the account closed and paid to the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XX/XX/2016, Nelnet sent me a notification congratulating me that my student loans had moved to forbearance and deferment status and I was no longer required to make monthly payments. 
At the time, I did not fully understand what the emails meant, and actually thought nothing of it until I received more emails XX/XX/XXXX confirming that the payments of my student loans had been postponed. When I checked with my spouse, who advised me that perhaps it was connected to the fact that our son, XXXX, had returned to university full-time, yet she explained that my loans should not have moved to deferment/forbearance status as the loan is in my name, not our son 's. She advised me to contact Nelnet and explain that an error had occurred. Like me, she also has XXXX Direct Plus loans for XXXX, yet with XXXX XXXX. When I phoned NelNet, the agent responded saying that it was not possible to remove the deferment status, hence making it impossible to restart the automatic payment plan. He advised me that I could still make monthly payments, yet had to do so manually. 
When I updated my wife, who works in a higher education state agency, she reiterated that was incorrect information. She followed up by logging into my account and accessing the instant chat message and sending an email. The result of that action was one of my loans was taken out of deferment. XX/XX/XXXX/XX/XX/XXXX, we followed up again via phone to request an explanation for the deferment status. Finally, the second loan was moved out of deferment. In the interim, of course, compounded interest resulted before I noticed what was going on, and then during the struggle to resolve the issue. 
Coincidentally, I finally received an email response last week sent to Nelnet about the deferment issue last fall. I suspect it may have something to do with the XXXX complaints now surfacing in the news. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FirstPoint Collection Resources
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company is reporting that I owe them a debt. To the best of my knowledge this company has never provided a service to me and I have never agreed to pay them for said services

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: FL

Complaint narrative:
A Deed-in-lieu ( DIL ) of Foreclosure was negotiated with my lender GreenTree and an acceptance of the terms was delivered on XX/XX/XXXX. In the acceptance letter, GreenTree stated that " Acceptance of this DIL is a " FULL '' satisfaction of this indebtedness. " on XX/XX/XXXX I ran my credit and noticed on XXXX Ditech Financial LLC., started to report me ( 3 years later ) as having a mortgage balance of XXXX which is incorrect and should have been shown a satisfied. I think this also is against the new debt collection law in Florida after a foreclosure, short sales or DIL regarding the collection period. Ditech is ignoring my request to remove this error in reporting even after I set them this information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC
State: IA

Complaint narrative:
I have a loan with Ditech ( GreenTree ) that was originally with another company. When I requested a payoff quote there is a corporate advance fee for around {$560.00}. When I called I was told this was for a deferred payment I had. My payments have always been around {$100.00}. I do n't know how or why there would be a deferred payment in that amount in XXXX of 2013. After reading some complaints, I am wondering if this " deferment '' happened when the loan was transferred from whichever company had my loan before GreenTree. I also wonder why the fee only shows up on my payoff quote and not my monthly statement. Are they hoping to sneak in something if I were to pay it off all at once.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30 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: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
I have dispued this before. This is not mine I have asked for proof of how this phone account happened. No one can prove where I have signed for this no ID for this or anything. Also this was to have been in 2009 so should it not be removed anyway?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Green Tree Servicing has initiated foreclosure action against me while failing to properly follow the rules and procedures set forth by the CFPB governing foreclosure : Notification of Foreclosure Alternatives : Servicers must let borrowers know about their " loss mitigation options '' to retain their home after borrowers have missed two consecutive payments. They must provide them a written notice that includes examples of options that might be available to them as alternatives to foreclosure and instructions for how to obtain more information. Green Tree has never provided " loss mitigation options ''. 
Direct and Ongoing Access to Servicing Personnel : Servicers must have policies and procedures in place to provide delinquent borrowers with direct, easy, ongoing access to employees responsible for helping them. These personnel are responsible for alerting borrowers to any missing information on their applications, telling borrowers about the status of any loss mitigation application, and making sure documents get to the right servicing personnel for processing. Green Tree had, in a letter, provided an agent for this account, XXXX @ extension XXXX. I have left numerous messages without ever receiving a callback. In XXXX & XXXX, Green Tree left door hangers on my front door that read " Important - Please contact us ''. The phone numbers on the hangers were not-in-service. 
Fair Review Process : The servicer must consider all foreclosure alternatives available from the mortgage owners or investors - those with decision-making power over the loan - to help the borrower retain the home. These options can range from deferment of payments to loan modifications. And servicers can no longer steer borrowers to those options that are most financially favorable for the servicer. Green Tree has found it more financially compelling to proceed with foreclosure rather than work with the borrower as it would be too costly to do the latter. 
No Foreclosure Sale Until All Other Alternatives Considered : Once the servicer offers an alternative to foreclosure, they must give the borrower time to accept the offer before moving for foreclosure judgment or conducting a foreclosure sale. Servicers can not foreclose on a property if the borrower and servicer have come to a loss mitigation agreement, unless the borrower fails to perform under that agreement. Green Tree has never initiated " loss mitigation options '' as set by the rules of the CFPB, and therefore never worked with me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech handles my mortgage. For four months, statements showed that I had an unapplied fund balance. Within the statement it stated " any partial payments that you make are not applied to your mortgage, but instead are held in a separate in-applied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' So for XX/XX/XXXX, I paid the balance of a partial payment. Instead of applying the payment to my mortgage as stated, they paid off my late fee balance. The late fee balance was their for the last four months as well. Why did n't they apply the unapplied funds to my late fee previously? Since they paid themselves first, I am now showing late for XX/XX/XXXX and owing XX/XX/XXXX, instead of just owing for XX/XX/XXXX ( which would make me current ). My priority was to catch up on my mortgage and chip away at my late fees. How this was handled seems very unethical and an attempt to keep me in a late status ; in addition to continuing to hurt my credit score. It 's very upsetting that they chose to apply funds this way, instead of helping the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
Completed and submitted a Making Home Affordable application with lender Green Tree Servicing. Attempted to contact Green Tree/Lender by phone and email on several occasions, leaving messages each time and have never heard back from them other than to send a letter stating they denied my application. There is additional information concerning the application that I have been unable to convey to them due to their lack of communication concerning the application. Now a " Notice of Trustee 's Sale '' on date XXXX/XXXX/15 has arrived on my front door. Green Tree/Lender does n't appear to be interested in anything but foreclosure. Assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I was contacted by ECMC first time XX/XX/XXXX about defaulted student loans. I communicated with them that I am in the process of consolidation and I 'm just about finished with school and how that could be? I was under the impression I had a few months left after class ended! 

I also added all loans would be serviced by XXXX and I have an accepted consolidation loan set for disbursement in after I submitted my paperwork. At this time the Caller informed me that they are servicer and need to collect on " this debt ''. They demanded payment regardless of my stance of " in school deferment or the anticipation of consolidation. 

XXXX XXXX I noticed a " trade line '' on my credit report summarizing data pertaining to the recently paid-off student loan and a collection accounts reported by ECMC as a Paid collection along with several others with varying dates of collection " reported date XX/XX/XXXX '' I have since contacted them and they will transfer me to a line with no answer or hang up. I have sent them proof of full time enrollment from XX/XX/XXXX-XX/XX/XXXX and asked for verification with no response or action. They have also reported Date of first delinquency wrong and also Date of Default has changed on other reports. 

When I do speak to someone and its regarding collection they take the stance " we are the owner of this debt but when it comes to attempting to show proof of enrolment/deferment they take the stance that it needs to be filed with the original creditor. 

I have clearly shown them that the loans are in deferment and in consolidation thus i get the canned response not according to our records and we demand payment ... .They are causing a XXXX XXXX to enter the market with horrible credit and undue stress because of their lack of keeping sound records, constant changes to my credit report etc. In accurate date of first delinquency ( Because XXXX county and XXXX XXXX do n't have one ) I WANT ALL ECMC TRADELINES REMOVED Higher Education Act or FCRA they are in violation. I am also in the process on obtaining supporting data from the XXXX original creditors showing in school deferment and will take on their absorbent fees they added on. 

Some how the DHE got it right with their reporting but ECMC cant figure it out : -/ Please HELP ( PLEASE SEE attached XXXX Is the original Creditor showing DOFD XX/XX/XXXX and the ECMC XX/XX/XXXX ) As you can see XXXX and US dept of education are no negitives and current due to in school deferment.

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 2016-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
I have repeatedly mailed, emailed and called to request that the escrow for insurance be removed from my account, but Ditech still charges me for it and threatens to charge late fees if I do n't pay the full amount. Everytime I call, Ditech notes the change request in the " system '' and verifies that they have received the hand written request and emailed proof of insurance, but still no changes to my account. There is no accountability and I can see why Ditech has filed for bankruptcy, lost XXXX dollars for this type of abuse towards their customers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 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: United Debt Holdings, LLC
State: CA

Complaint narrative:
In 2012 I moved from XXXX to the XXXX. I informed XXXX gym 30 days prior to moving that I wanted to cancel my membership due to the fact that in the area where I was moving to there were no gym facilities XXXX within a XXXX mile radius. I also followed up with a telephone call to the club and a visit and they assured me it would be taken care of. This past week I received a letter from an attorney, XXXX XXXX XXXX representing United Debt Holding ( XXXX gym ) claiming I owe {$810.00} and it must be paid immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
My student loan company, Navient, recently changed the terms of my agreement to extend my loans to XXXX with about {$7000.00} more in interest charges. This was done without my consent and I believe it is because I have been paying the loans down early and thus reducing the amount of interest they were earning off of me. I have been paying the standard payment of {$250.00} a month since XXXX, plus any extra I can afford. Because of this, I had reduced my principle so that I only have XXXX years of repayments left as of XXXX, XXXX. According to my calculations, during this time I would have paid approximately {$2700.00} in interest. I received a letter on XXXX/XXXX/XXXX stating that the terms of my loan had changed and my new monthly payment will be {$130.00}, which will be paid off on XXXX/XXXX/XXXX with a total of {$9500.00} of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I previously submitted a complaint, which is unresolved, regarding several watch warranties purchased over a year ago. The watches were all recently sold and no longer in my possession, some kind of refund should be issued. I have receipts for all four warranties purchased and refund policy pertaining to warranties is not listed anywhere nor was it disclosed at time of purchase, contrary to what Zales and Citibank claim. Their thirty day return policy pertains to store merchandise, not extended warranties such as these. I have an email from Zales stating to take receipts to local Zales store for full refund and also spoke with a rep named XXXX who also stated the same and even called the store to advise them to issue full refunds. He spoke with XXXX, store manager who got approval from district manager. The case number for this incident is XXXX, the total paid for all four warranties is XXXX. A XXXX dollar gift card was offered by XXXX XXXX in executive office, however, this does not even remedy matter as it is a portion of what was paid. The store was unable to issue refunds as their system is new and would not allow it, their POS ( point of sale ) computer is new and the transactions are over a year old. XXXX referred the case back to XXXX XXXX and left notes to issue a refund in form of a check because system would not allow credit back to credit card. Please advise Zales/Citibank I need a check in the amount of XXXX to resolve this. Complaints have been filed with Texas Attorney General, XXXX XXXX as well as Connecticut Attorney General. I have also forwarded information to Attorney XXXX, a class action attorney for possible suit.

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