vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
The company, Nationstar Mortgage purchased our Mortgage last summer ( XX/XX/XXXX ). In XXXX, our payment dropped down, as the insurance policy had been paid, which had been carred through our formal lender, that sold our note to Nationstar. In XX/XX/XXXX, we began to look for the notice of the new Policy, in XXXX, we asked on the phone. We were told there was no policy in place and our payment was the same. $ XXXX/month. We asked again in XXXX, and in XXXX, with the same result. In XXXX, however, we received a notice that they had, infact, placed a Hazard policy in XXXX, and now want $ XXXX/month. We immediately sought and found our own policy. As well as notify Nationstar of our intent to do so, To my Astonishment, I was told they had paid for this policy with no notice to me at all, until three months after the fact. I still dont know if they will accept of refuse to accept the policy I have acquired. I do know they are not applying our payment to the mortgage note, as it is not the {$720.00}, they want. They have accepted the payment, and cashed the check, but they have placed in a holding account, rather than apply it to our note. I have found the following Link, for your convenience, concerning the consumer protection act in regards to this particular topic. You will find, about half way down the page, in section ( c ) requirements before charging the borrower .... Please help me keep our home. ( Please note : today, XX/XX/XXXX, I have established the online access with Nationstar to obtain documents to send with this complaint. I see in the statements, below the amount due section, which still shows the {$470.00}, and is what my husband saw, and called in, and was confirmed as the actual payment due, these statements show the hazard policy amount appearing in XXXX. Still, there is no advance notice of this purchase that I can find. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
My mortgage payments were current with XXXX when XXXX sold it to Nation Star Mortgage on XXXX, 2014. Nation Star claimed I did not make the payment for the month of XXXX previous to their taking over the loan, so to protect my credit, and in good faith we made an extra payment. I then provided them documentation proving the XXXX, 2014 payment was indeed made to XXXX XXXX. We have repeatedly sent in documentation to different entities within their company they told us to send it to, and made repeated phone calls to resolve the dispute. All the contacts they provided us ( XXXX. " single point of contact '' & XXXX my " dedicated loan specialist '' ) were repeatedly unreachable by phone and unresponsive, would not return phone calls after we left messages on their voicemail. As of today, 8 months later, they have not properly credited the account, which *should* show as paid XXXX month in advance. The only responses we get are from their " research department '' who we are able to communicate with in writing but still assert the position that the loan was due for the previous month 's payment at the time they took over the loan. This is still wrong and irresponsible for the company to improperly credit my payments. The issue is simple, I made an extra payment in good faith until such time that the company can find their error, provided them with documentation to help them find their error, and have submitted numerous requests for my extra month 's payment to be properly credited to a future month. It appears they are so far incapable of simple accounting or providing a valid contact person to discuss and resolve this over a 6 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I was taken off of scra military benefits. Automatic payment schedule got messed up ... I never got call back. I keep getting forwarded to same non responsive person. Email or sent hidden. I finally got a hold of someone when they thought I could refinance..to see how to catch up on my payments. Paid XXXX. Through XXXX XXXX. But phone message says I only paid XXXX and I owe for XXXX. Yet it also said the last payment was XXXX XXXX. XXXX different messages non of them rt. Everytime it forwards to same voice mail. Even when I try to get forgot password or sign up for new online it routes me to same non responsive person. NATIONSTAR Morgage. Took over my account from XXXX XXXX XXXX I had since 1998. But since being with nation star they did not honor paper work XXXX XXXX showed me they sent..finally got rt interest applied but not sure retroactive was applied. Then they took me off of scra again for no reason. Husband sent documentation but still struggled with what was going on with account. They sent someone to my house where the Tennent lives saying it is important they contact me about morgage. People comming and taking pictures. Then recently mailed a package to house were my Tenet lives that is under morgage even thou they know where I live in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
My mortgage started at {$150000.00} with XXXX, I put down XXXX % and thought I had a decent mortgage. After XXXX went out of business, it was sold to an investor. The servicer became XXXX XXXX XXXX, I attempted a modification while being serviced by XXXX XXXX XXXX and my mortgage went to {$180000.00}, however my interest rate was 10 % with a balloon payment. My mortgage was transferred to Select Portfolio, where I was given a remodification, which brough my mortgage up to {$180000.00}. My new interest is 9 %, but after calculation, over 10 years, I have paid over {$200000.00}, my new mortgae after modification, has no pay down, I am patying interest to infinity with a baloon payment of {$180000.00} + that can come due at any time. I have tried to apply for another mortgage but because this is not FHA, I have had no success. I would like to stay in this home and have done everything I could to pay my mortgage, but this is a worst case of predatory lending, and I see no end in sight. No one can tell me what type of mortgage this is, and my questions go unanswered. I just want a regular mortgage with a moderate interest rate and a payoff date. Please help, Please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC
State: DE

Complaint narrative:
Greentree is illegally boosting my balance to collect more money on a collection than I owe. I have attached XXXX copies of my credit file page showing Greentree 's loan. In XX/XX/XXXX they showed a XXXX balance but listed that it was transferred to another lender. In XX/XX/XXXX they showed the balance of {$210.00}. When I called to pay this amount, they jacked up what they said I owed to {$810.00}. 
The Fair Credit Reporting Act provides that a creditor must report accurate data to the credit bureaus or remove the account. 
Sec. 623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
If the {$810.00} is a correct balance, then Greentree committed willful negligence when it reported {$210.00} to the credit bureaus on XX/XX/XXXX. 
Regardless ... boosting a balance from {$210.00} to {$810.00} in 30 days is illegal and unethical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
continued calling about debt i dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Hello. In assisting a client with loss mitigation procedure, Ditech ( formerly Greentree ) servicing is refusing to acknowledge a recorded quit claim and letter of explanation and is demanding that the client get divorced. The divorce is an issue because the wife does not want to share her retirement savings. She has left the property and signed a quit claim. Her income no longer is utilized for the purpose of household debt. I believe this is an extravagant request considering that XXXX XXXX is attempting to get his affairs back in order after the breakdown of his marriage. I thank you for your time and attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Green Tree Servicing added an escrow account right after they bought the mortgage from XXXX in XXXX XXXX without any right or notice. Mortgage was originated in XXXX XXXX by XXXX with P+I only. Taxes and Insurance were always paid on time by borrowers. The amount was almost XXXX that we always paid. We called several times through out XXXX months periods and sent certified letters. We never received a response. We sent more than XXXX thousand ( {$5000.00} ) extra, but the statements never reflected it. As of today there still misapply funds to our account. At one point we decided stop sending payments due to the mismanagenmet, misrepresentation, contract violation, etc. Green Tree started making nasty calls including at place of work several times. They promised a loan modification that never happened after we paid XXXX months trial by XX/XX/XXXX. Right after they filed for foreclosure. We responded to XXXX XXXX County, Florida court house in time every time. We showed up at the hearing XX/XX/XXXX when the judge ordered having a Conciliation conference call which we had and Green Tree and his lawyer confirmed having all paper work and promised to send a modification which never happened. We provided enough proof to the court house and Green Tree of the mess had created. I hope this will help in the process of so many victims of Green Tree and CFPB along with other government entities to settle a case against Green Tree. Green Tree should NOT have a license to operate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
There are 2 issues with this debt and PDQ Company 's collection efforts. PDQ 's response does not address the issue of the initial date of collection which should be the date listed on the credit report. PDQ sent a letter of collection on XXXX XXXX, XXXX. This is written and documented on their letterhead whereby they reference this exact date. PDQ is not following the federal fair debt collection laws. PDQ is showing the date of initial collection as XXXX XXXX. This is completely inaccurate and unfair collection and reporting. PDQ 's initial letter was dated XXXX XXXX. Again, PDG is violating fair collection practices by reporting an inaccurate date. By doing this, PDQ is allowing almost 2 additional years of reporting as a collection account on my credit report. PDQ has not addressed this in any of its previous responses. Again, the proof, which is the actual letter written by PDQ, is attached to this email. The collection letter sent by PDQ which states the initial contact was XXXX XXXX. This means the debt should be removed from the credit report sooner. I do not confirm this debt. I do not want PDQ to list the debt as disputed. This is not the answer I am seeking. This debt is beyond the statute of limitations. I seek resolution where PDQ corrects the date of initial collection so that my credit report is accurate. PDQ is using unfair and inaccurate reporting tactics to allow for additional and illegal time to collect. I will file another separate complaint against PDQ since the Company can not address both issues simultaneously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I currently have a XXXX mortgage on my primary residence located in XXXX Ga. my current loan servicer is Ditech. I have been contacted both by phone and overnight priority written correspondence that my loan is eligible for the Presidents HARP refinance package as my loan has been current for the past 3 years but with some late fees on it. I went over this several times with various loan officers from both Ditech and the previous servicer which was Greentree Servicing. I was told that I am not eligible due to credit issues which arose during an illness that began over 2 years ago and I am still dealing with today. My understanding is that with the Presidents latest package is that there are no income or credit requirements and no appraisal is needed. I do have some credit issues but I do not have the cash necessary to pay these off as I have excessive medical expenses at the present time. I do not understand why I would not be eligible for assistance under President Obama ; s plan since I apparently meet all the criteria. any assistance that your office can provide would be appreciated. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WY

Complaint narrative:
I recently suffered the loss of XXXX my vehicles along with real estate damage due to a hail storm. I went in to purchase a new vehicle only to find out that my mortgage company ( Ditech ) is still reporting my mortgage in foreclosure despite having cleared the matter 3 months in advance. I was told that even as late as last month they are reporting it in default and foreclosure even though it 's current and has been kept current for 3 months. Little to say, I finally got a vehicle, but because of the continual dings on my credit from my mortgage company, I can no longer get an even half way favorable rate on a loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: World Acceptance Corporation
State: TN

Complaint narrative:
Upon receiving my court summons, I checked the date I was to be in court. The first date given was around the day I was being admitted into the hospital to deliver my child. I contacted the local office and was told to contact the plaintiff 's ( World Finance ) lawyer. I did so, explained the situation, and was given reassurance that a later date would be arranged, at which point I would be notified. That was the last I heard from him or World Finance. Unbeknownst to me, court took place and since I was not present, the judge automatically ruled in the plaintiffs favor. Not only Is that in itself wrong and illegal, I could 've fought the charges. I do n't know whether I would 've gained anything by arguing my side, but I did and do have the right to fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AUTOMOTIVE CREDIT CORPORATION
State: TN

Complaint narrative:
Bought car in XXXX from AUTOMOTIVE CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX. I filed chapter XXXX Bankruptcy in XXXX at United States Bankruptcy Court XXXX XXXX of Indiana which time this was discharged.My credit file with XXXX was updated in XXXX stating that {$30000.00} was past due with a balance of {$10000.00}. I have disputed this matter several times and keep getting a response of " validated '' .I offered to send a copy of my discharge papers only to be told " you have no public records '' Account Details Last Reported XXXX XXXX, XXXX Creditor Name AUTOMTV CRDT Account Type Automobile Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term XXXX Months Monthly Payment {$370.00} Responsibility Individual Balance {$10000.00} Highest Balance {$12000.00} Payment Status Unknown Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due {$30000.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks -- Payment History No payment history has been reported by this creditor. 
Creditor Contact Details AUTOMOTIVE CREDIT CORP XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Direct Dispute You recently filed a dispute for this account. 
See the details here. 
XXXX Recommendations Find opportunities to refinance your auto loan. 
Look for ways to save on your auto insurance premiums.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I requested original documents from the Debt Recovery solutions, LLC., but they stated that they have no copy of any records sign by me, and ca n't give me no records whatsoever. I believe this charge to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
I believe I filed complaint against MCM or Midland Credit Management before.. They are one of several debt collection buyers who were allegedely collection debt on behalf of XXXX. I wrote to XXXX directly and receive and positive response. Stating that XXXX does not report to credit bureaus. So since when collection agencies have more to say than the original creditor? I read all the federal rules about reporting and collecting practices. I also noticed among several of my collection letters that that dates of last activity keep changing. I believe that 's illegal. This particular account according to XXXX XXXX letter only existed one month from XX/XX/XXXX - XX/XX/XXXX. The balance of {$1600.00}. XXXX includes activation fees, third party downloads, etc.. Also in another letter to MCM I attached a class action letter including my account as being part of XXXX fraudulent overcharges. Yet this debt buyer has the nerve to constantly herrasse me ( XXXX woman )?!! I will send you this official XXXX letter of or when needed. I have a claim with the government class action suit. So maybe they need to pay me for all the misery, hassle and worth ending of my health XXXX XXXX XXXX survivor ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24 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: IL

Complaint narrative:
Dear sir/madam today XX/XX/2017 as I checked my credit file on XXXX, I noticed that a fraudulent collection was noted on my credit report. 

I do n't know this company or any of it affiliates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: World Acceptance Corporation
State: GA

Complaint narrative:
World Fin, WORLD FINANCE, WORLD FINANCE CORP. : This company has listed their company on all XXXX credit reports with the same amount multiple times. This debt has been resolved over 8 years ago in my chapter XXXX bankruptcy filing. I have called and complained to the company about removing their information off my credit reports several times and they have dont nothing about this. In fact what they have done is continue to report as if I still have an open line of credit with them as active and paid on time status. This is false. I have no active accounts with them nor I 'm I paying them. This debt was included in my bankruptcy years ago. I would like it if they can be removed it has been over 10 years and they are still reporting inaccurate and false information. This company prays on low class people who need money and they offer predatory lending and high inrest loans. The company has been extremly crafty by listing their company XXXX different ways on my credit filing. They are listed as : WORLD FIN on my XXXX and XXXX dated XX/XX/XXXX showing paid XXXX status as agreed, this is incorrect. This balance has been paid off XX/XX/XXXX. They are listed again as WORLD FINANCE showing paid XXXX as agreed on Experian report dated XX/XX/XXXX this is incorrect this was paid off XX/XX/XXXX included in chapter XXXX. They are listed again on my XXXX report as WORLD FINANCE CORP. showing paid XXXX as agreed. So as you can see they have multiple listings of the same debt listed under the same company name many different ways. Please have them remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I have been in contact with Ditech Financial since XXXX trying to receive my escrow refund check. I keep receiving the runaround, we are researching the issue, we`ll resend the check but it has been going on for XXXX months and I have NOT received my Escrow Analysis nor my check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation