vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I had multiple houses with mortgages held by Green Tree XXXX, now Ditech. In XXXX XXXX I instructed Ditech to payoff XXXX of the mortgages and wired the money to them with the explicit instructions to pay off a specific account number. Unfortunately Ditech paid off the wrong mortgage, despite the instructions that were provided. I immediately called them to indicate the mistake, and they agreed that it was a problem on their side, and they would correct it immediately. It is now XXXX XXXX, and Ditech has still not corrected the problem. Worse yet they are threatening foreclosure and they have indicated non-payment on my credit report. They have been non-responsive, and obviously this delay is incredible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
In 2010 my loan was transferred to Green tree services from XXXX I had an approved loan modification from XXXX. Once green tree got the loan They refused to honor the modification and made me loose my home. 
The property is XXXX XXXX XXXX XXXX XXXX MD 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 2016-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech Financial along with their attorney XXXX XXXX XXXX, XXXX. have filed foreclosure on XXXX 2014 base on payments not being made for the month of XXXX 2014. I have documents showing that payments were in fact paid but credited to XXXX XXXX. Invoices showing excessive fees which led me to fall behind based on the XXXX 2014 payment. I understand that Ditech Financial was formely Green Tree, however the practice is still the same. The Lawsuit Settlement of XXXX proves how dishonest this company is. I have equity in my home causing me to feel that they are trying to take my house to put towards paying their settlement. I have questioned their accounting method in which it shows over {$26000.00} of misapplied funds still they refuse to answer. I have also filed a Pro Se Motion of Discovery which they have still not completed. XXXX XXXX XXXX, XXXX. has also filed false documentation stating that Greentree/Ditech Financial are in possession of the Original Note and that it is in the Counsel 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I applied for a refinance of a mortgage loan secured by an investment property in XXXX. The property is vested in the name of my revocable trust. I applied with GreenTree Servicing, my current loan servicer, which in turn got XXXX involved. During the application process, an employee of XXXX and then a couple of days later a title company employee asked for a " full copy '' of my trust agreement. When I asked the XXXX employee what her authority was for the request and asked whether they would accept a trust certification or memorandum of trust, I never received a response ( see emails attached ). Upon being asked by the title company, I did some research and learned that the law in XXXX is the same as XXXX where I reside. The XXXX statute 46A-10-1013, provides : " A person making a demand for the trust instrument in addition to a certification of trust or excerpts is liable for damages if the court determines that the person did not act in good faith in demanding the trust instrument. '' I offered to provide a trust certificate. As I see it, asking for a copy of the full trust agreement was unfair and made in bad faith. I am a XXXX so I know that conditioning the approval of the transaction upon the receipt of information that a lender is not otherwise entitled to could be viewed as abusive. How many unsuspecting borrowers are being asked to provide this information when a lender has other options and is clearly not entitled to receive it??? When is GreenTree going to get its act together? I cancelled the loan application and am looking to refi with another lender because I do not want to do business with any company that can not conform its activities to those that are lawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
My mortgage was bought out while I was in a mortgage reduction I obtained after filing chapter XXXX bankruptcy, We were with XXXX XXXX XXXX at that time. Our mortgage has been sold or transferred 4 times. Ditech mortgage obtained us at the end of the bankruptcy and mortgage reduction. We have paid out payments on time ever since we got the reduction. Well our bankruptcy discharged XXXX/XXXX/15 and they have not released us. I can not view or get any information from them concerning payment history, payoff, general info. I have spoke with them on numerous occasions, twice a week for a year, they have not taken any action. When I call, I am on hold over an hour just to speak to anyone. They told me the audit was complete and they were waiting for a super to sign off the last 6 times I called. I ask to speak with a supervisor, none could speak to me. I have wrote emails also, no action. I am now refinancing with XXXX, all is approved, but we need payoff letter, no response to XXXX or myself for 2 weeks, and I 'm about to lose my rate. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
We got a XXXX XXXX around 2003 where the policies used by that company were fraudulent. Now we want a loan modification they are trying to sell our hou7se instead of helping us like Obama says they should

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BTH Management
State: OH

Complaint narrative:
A verification of debt has not been provided by the company. I have disputed this directly with the credit bureaus as I am not aware of the debt. Additionally, the collection attempts they have been made by this company violate FDCPA they have left messages stating that I will be arrested in connection to the debt these are violations and harassment.Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute. 
In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements, and total outstanding balance you believe I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech informed us in a mandatory One Time Private Mortgage Disclosure that as of XXXX 2016 that our LTV ratio based on the original value of our property was 77.5 %. We called in XXXX to enquire why the PMI was still being charged to our monthly payments, when we have the legal right to Automatic Termination when the LTV reached 78 %. Customer Services could not give any information, refused to connect us to a supervisor or to a representative from the Escrow Dept, simply stating that all PMI termination requests had to be made by mail to the Escrow Dept. We therefore wrote to the Escrow Dept, requesting Automatic Termination effective as of XXXX 2016 and a refund of the PMI charges made since XXXX. The Escrow Dept responded by mail in XXXX that this request was denied because we had not authorized an appraisal, which would be at our cost. We again called Customer Service to explain that our PMI should have terminated automatically ( as our LTV of 77.5 % was less than 78 % ) and that we were not requesting cancelation of PMI, which we understand may require an appraisal or BPO ( and which would only apply when LTV is between 80 % and 78 % ). The Customer Service agent was again unable to provide any help at all, could not understand the issue and proposed that we write again to the Escrow Dept, who would respond within a month. 
Ditech is clearly not complying with the Federal Law regarding the process for cancellation or termination of PMI, and through either incompetence or dishonesty are illegally continuing to charge PMI when they should have automatically terminated these charges. Given the high number of similar complaints already made to the CFPB about Ditech, this would appear to be a systematic issue rather than a one off, and therefore we consider merits a Federal audit or investigation to protect the rights of all Ditech customers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 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: PA

Complaint narrative:
This was a third party pay phone company that billed me through XXXX for collect calls to my answering machine from a pay phone in Arizona. I never answered the phone, or authorized or accepted any of the charges! No one was even home at that time.

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 2016-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
This number calls me at least 4 times a day. 
They usually hang up. So I, called back and requested information on this debt. He hung up once i asked. 
I called back and asked they stop calling me. It was around XXXX XXXX. He told me pay your debt and was very nasty. Yelling cursing and carrying on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
When I phoned back the XXXX number on the collection call, the person was abusively rude. I told him the person he was looking for has n't worked here in years and to take my number off, and that I thought it was illegal to disturb business with his call, he said that " he knows his business '' and " what are you gon na do? what are you gon na do? what are you gon na do? '' and repeated it in an aggressive manner many times. I finally interrupted and said, " report you right now '' and hung up. The company was Commonwealth Financial XXXX at 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 2015-03-24 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: VA

Complaint narrative:
Found out I had an account on my credit report from Commonwealth Financial Systems for a medical bill. It was placed on my credit report in XX/XX/XXXX. I contacted the debt collections via telephone and told them this was not my debt, that I have never received a letter from them at all and that statue of limitations in XXXX had ran out. The agent told me they had purchased this from someone else and that statute of limitations did n't start until the debt ran off of my account and she said that did n't happen until XX/XX/XXXX. She told me the debt was from XXXX XXXX and it has been over 6 years since then. Again, I told her the debt was n't mine and I wanted validation of debt. It 's been a month and I still have n't received that. I contacted the credit report agency, XXXX, and asked for a dispute with them. They only updated the address on my credit report and did not provide any new information regarding my dispute. 
I also contacted the hospitals that I visited in XX/XX/XXXX ( formerly XXXX XXXX XXXX, now XXXX ) and was told my accounts were XXXX balance and that I was paid in full. They gave me a number to contact the emergency room doctors billing company and they gave me a phone number for them ( XXXX XXXX XXXX XXXX ). I contacted them and was told I am not in their system at all and that I should not be in collections with them since I am not showing up in their system. 
Yesterday, my parents received a letter at their home for me from this collection agency. The letter was basically like a " new '' collections letter, as if they had never spoken to me before. It stated if I did n't send in writing that I was disputing this claim or wanted validation that they would take it as evidence I owe this debt. But I had already disputed this a month ago and was told they would send validation of debt, to which they still have n't. 
I contacted the XXXX Attorney Generals Office about this and was told to send them a written letter stating I am not verifying this debt and a validation of debt ( if I choose too ). I am going to send the letters. I was also advised by the XXXX Attorneys General Office to file this complaint online. Which is what I am doing now. 

So the hospital and emergency room doctors billing verified I have XXXX balance and no debt and should have no collections out for 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 2015-09-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/15 my husband received XXXX services through XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX billed us for the remaining balance after insurance paid their part. We had had prior experience with XXXX XXXX XXXX billing us for amounts that should have been settled through insurance. On XXXX/XXXX/15 I spoke to a person at XXXX XXXX XXXX who said the bill should be sent for adjustment and we should not pay while this was being done. We did not hear from them again. On XXXX/XXXX/15 we received a letter from Professional Credit Services saying the bill had gone to collection. We became concerned about our credit rating and paid the bill to PCS that day. When I called XXXX XXXX XXXX on XX/XX/XXXX they told me they had not sent the bill to PCS or any other debt collector but would look into it. I did not hear back from them. On XX/XX/XXXX we received a bill from a second collection agency, XXXX XXXX, for the same amount. XXXX XXXX XXXX now tell me they did send the bill to XXXX XXXX. It appears that they never did send the original bill for adjustment, nor did they attempt to re-bill us before sending it to collection. PCS tells me they did not buy the debt but had it sent to them by XXXX XXXX XXXX. They also say they paid the full amount to XXXX XXXX XXXX as soon as we paid the bill, on XXXX. XXXX XXXX XXXX claim they do n't have the money. Meanwhile, XXXX XXXX XXXX think they have a right to collect this money. We are very concerned about what having this debt looking like it is outstanding will do to our credit rating. We are also wondering where the money we paid to PCS has gone. I have spent a lot of time on the phone trying to address this, and would very much appreciate your assistance!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
I received a credit alert about a company by the name of Ability Recovery services so I called the number listed to inquire about the debt and why was it still showing, the rude customer service lady yelled the whole conversation so I never got any information I ask for nor could I give her my case number. After I asked her why she was yelling she continue to huff and puff and then hung up on me. I called back and the next rude lady decided giving her name was not necessary when I asked and she proceeding to yell as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Commonwealth Finance acct # XXXX, should have been paid by my Insurance XXXX XXXX . I have had XXXX XXXX for over 10 years, same account just now a different County. They never submitted charges to XXXX, and now it is in Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I do not and have never had any debt. This company continues to call and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 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:
Since filing my original complaint with CFPB # XXXX In which COMMONWEALTH FINANCIAL SYSTEMS AGREED TO DELETE A DISPUTED CLAIM, they simply deleted original claim & refiled same claim changing the dates & omitting the name of the alleged hospital. I am now disputing that claim. Since filing, I 've seemed to have became a target of their wrath, today I received XXXX additional claims in total XXXX open claims. 
CFSI ACCOUNT NUMBERS XXXX, XXXX, XXXX In addition to filing a complaint with CFPB after the second filing of original claim, I have lodged a complaint with the State of Florida Department of Financial Responsibility ( Florida 's department that handles Fair Debt Collection Act complaints. 
Since Commonwealth simply changed dates & refiled same complaint with CRA 's I believe they are committing FRAUD & view their company as disreputable. Am requesting that the CFPB investigate Commonwealth & help myself & other victims of their activities. uploading all the information @ this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LendUS, LLC
State: CA

Complaint narrative:
We re-financed our home with RPM Mortgage in XXXX of 2013 and were over charged for Funding Fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 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: FL

Complaint narrative:
Company has not validated debt at my request but still reports the debt to the XXXX major credit reporting companies. This violates 809 ( b ) of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 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: FL

Complaint narrative:
I sent a letter to XXXX XXXX XXXX in XXXX 2015 with NO response. Shortly after I receive another demand from Commonwealth Financial Systems. I am asking for valid proof of this debt and have not received it.

Company response to consumer: Closed
Consumer complaint received 2015-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: NV

Complaint narrative:
On my business phone number, I get voice recordings indicating an attempt to collect a debt and to call back XXXX. I call but have no point of contact or info and am transferred to a generic voice mail where I explain they have contacted a business phone in error and request they discontinue calling this business phone number. The calls continue. The message plays and then music and the message again using the memory I have available on my business phone to allow true business to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: IN

Complaint narrative:
I signed up with Nationwide Biweekly Administration ( NBA ) to have biweekly payments drafted from my account every month to help " minimize my interest payments '' for my mortgage loan. **This message is NOT intended to stop the CFPB. I received a very unprofessional email from the company president stating that the company was in danger of closing and pleading customers to stop the CFPB from shutting them down. I called my mortgage company to see if NBA was indeed making biweekly payments on my behalf. They were not. They were holding my biweekly payments until they received the full payment amount and then sending it to my mortgage lender. So, basically, I was paying NBA a processing fee for nothing. Since the payments were not made biweekly like the company advertised, there were no additional savings to me. More money was coming out of my account than necessary. Now, the company will not answer customer phone calls or emails. I 've tried multiple times to contact NBA to no avail. The company took a payment out of my account XX/XX/XXXX and I have no way of knowing where that money is. I need answers, but obviously can not get them from NBA.

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