vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I have a XXXX Credit Card and make my monthly payments online. However, for the past months, every single time I make a payment online, the transaction goes through and then there 's a " payment reversal ''. I 've contacted the credit card company to inquire on the reason why this happens and they can not give me XXXX. They 've made up different excuses as to why the payment is reversed and the common one is blaming my bank that they do not process the payment. However, I 've contacted my bank and they have not received any transactions from this company. Another reason is that I do not have the sufficient funds to cover my payment which is UNTRUE. I make my payments on time and sometimes before the due date and by more than the minimum, but they return them. This results in reporting a negative report to the credit bureaus and the reason I got this credit card was to re-establish my credit after a bankruptcy. I 've tried working with them in resolving this matter but nobody can help and I just get the run around. The only options they give me is to pay through XXXX XXXX or check but I will have to pay an additional fee that I do not pay through online. I began paying my bill online and did n't have a problem until XXXX 2015 and ever since, every single online payment I make results in " payment reversal ''.

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 2015-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This must be illegal. I continued to dispute this alleged debt, and they continue to tell me that they are not reporting this debt nor trying to collect on it, but I later receive this communication from RESURGENT, concerning the same debt that I disputed with LVNV Funding LLC four moths ago. Now RESURGENT, has refused to reply to my Debt Validation letters, send me the requested documents showing my signature on a contract. Now they continue to call my phone over and over all day, threatening to call my job, file a Civil Action against me. Please investigate this company illegal acts

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
i made my monthly payment ( {$60.00} ) to continental finance for my matrix credit card bill. the company claims the that they never deposited the check and it was returned. they also charged me a {$25.00} returned check fee. this is all a lie because i have the copy of the check from my friends bank which shows continental finance deposited and endorsed the check. so they basically took my money, lied and said they never received it, and now charging me a returned check fee. they are also telling me that it will take up to 90 days to resolve the issue and i have to repay the {$60.00} + returned check fee in the mean time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: IL

Complaint narrative:
XXXX XXXX BANK AND CONTINENTAL FINANCE IS TRYING TO COLLECT MORE THAN AGREED AND IS UNDER XXXX, ALSO IS REPORTING LATE PAYMENTS ON CLOSED, AND CHARGING FEES AFTER THE FACT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: World Acceptance Corporation
State: IL

Complaint narrative:
First of all when I was approved for the loan it was more the payments a month were more than they were supposed to be % wise for how much I was earning. The company had also contacted my place of employment after both I and a manager asked them not too seeing it was my place of work, they also have contacted a few of my referrals trying to get a hold of me even after I told them to stop calling my work cause I was no longer employed there, possibly one of the reasons why I was let go. I have also told them to stop calling me EVERY DAY sometimes multiple times a day they would call because I do not have any income or help that I would be able to pay them, I told them when I get money you will get it. They have left messages after messages on my machine and one unfortunately my husband deleted due to him being upset they were still calling but in that one they were trying to get me to call them back saying they had me down a s a " reference '' which I know was a lie cause nobody I know would get a loan thru them.

Company response to consumer: Closed
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech Financial LLC, is playing some kind of game to put me into default on my mortgage. They stopped sending me monthly billing statements back in XXXX ( see last statement, attached ) and although my name is the primary name on the mortgage, and I have written all the payment checks, they sent their default letter addressed to my wife back in XXXX. I paid the balance due plus the next months payment and included a copy of their default letter, noting on it that they were not sending billing statements ( see attachment ). I still, as of today 's date ( XXXX/XXXX/16 ), have not received a new statement from Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
A Ditech representative called and said XXXX XXXX of Ditech asked her to call and inform me that Ditech was denying my loan modification because I did not have a payment arrangement with IRS. 
When I told IRS they said to send them proof that Ditech told me they would not give me loan modification unless I have payment arrangement with IRS so I waited for the letter from Ditech stating the reason for my loan mod denial. When the letter came it said THAT I CANCELLED the loan modification request. THAT IS NOT TRUE! 
I then called Ditech and recorded the manager reading the notes on the computer where a representative on XXXX XXXX, XXXX who identified themselves as XXXX, noted that they were denying my loan modification because I did not have a payment plan with IRS. I RECORDED THE CONVERSATION and will have it transcribed if I need it for a trial. 
The representative said they would email me the note from their computer but nothing came. When I called that same representative again he said he was told he could not send the note and that he was told that if I wanted the note I would have to subpoena it. That would mean spending thousands retaining a lawyer. 
Please tell Ditech to send in writing that they denied my loan modification because I do not have a payment arrangement with IRS. 
This all stated when XXXX FORCE PLACED INSURANCE ON MY MORTGAGE EVEN THOUGH I have had insurance with XXXX since XX/XX/XXXX without a lapse. I sent them proof of insurance but they only refunded me partial amount of the fee for their forced placed insurance policy which threw off my escrow. I refused to pay the extra amount so they put my payment into suspense and started saying I missed a payment. They then sold my loan to Greentree, which became Ditech. I explained everything to Ditech that had transpired. Ditech asked XXXX to investigate. In XXXX XXXX XXXX admitted they had unnecessarily charged an added forced placed insurance policy and refunded {$1000.00} to Ditech but Ditech refused to waive the fines and fees for all the months they said I was missing a payment. So I asked for a loan modification to get rid of the fines and fees. That is when Ditech refused to give me a loan modification because I do not have a payment arrangement with IRS. Ditech started returning my payment each month and is set to auction my property on XXXX XXXX, XXXX. I inherited this home from my sister, XXXX XXXX, who died in XX/XX/XXXX. 
If you have any questions please call me at ( XXXX ) XXXX. 
Sincere thanks for your help. 
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 2015-07-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
My Husband XXXX XXXX has a mobile home loan with Green Tree which we paid the principal balance off back in XXXX. Green Tree is refusing to release the title because they say they have added insurance to the account even though we have provided proof of insurance to them. They are charging us interest on something even though we have statements that show a XXXX principal balance. We have been dealing with this issue since early XXXX and have faxed document after document showing we had insurance during the dates they are trying to charge us for. In the mean time they are harrassing us by telephone daily for the money and have stated they will no release the title until we pay the insurance. We have proof of insurance. We are paying fees to keep the mobile home in place due to the fact the purchaser who bought it from us ca n't move it until we have a mobile home title. It is a racket. You should n't be able to assess insurance on a property that already has insurance on it and then expect people to pay for it and not refund them. We have had this happen XXXX other times with Greentree. Our balance is paid in full and we want our title.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My father died XX/XX/XXXX. Before his death he made my XXXX brother and I beneficiaries of his home. His Mortgage is with Ditech and he was paying for insurance that would pay for the house upon his death. Not only has Ditech refused to talk to us, ( my father did not make a will ) and they have not honored the insurance my father purchased. Because the property is worth less than {$50000.00}, and it is in CA no probate is necessary. I have sent Ditech many documents stating this fact, but they still refuse to discuss the account with me and have sent a notice that they were going to start foreclosure on XX/XX/XXXX. Since they consistently refuse to discuss this account or honor the insurance, I have to file this complaint. I am out of ideas. I have been to an attorney 3 times and I do n't know what else to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Greentree servicing called all times of the day and night harassing me re : payment. They sent a representive of theirs to my home. I was threatened if I do not get someone to send a payment immediately by wire transfer my son and I will be put out of the doublewide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ECMC GROUP, INC.
State: IN

Complaint narrative:
we were never notified by them of the debt.they claimed they sent a letter and called. I told them I never receieved a letter or call. Woman said they tried and if I do n't answer they cant leave a message.And we never knew until we got a call from the bank and called and ask why.the very rude woman said it was a tax lien by the state. I looked on the department of revenue site I owed nothing .I called the department of revenue and they said it would n't show on line because it was a audit that found we owed more money for 2012 and those do n't have case # to show. Department of revenue said call premier back and they should make arrangement. the woman there said only way she will make a arrangement is XXXX today .I advised I do n't have that and she said well we wont make a arrangement .I told her the superviosor with department of revenue said they are suppose to. she advised me the department of revenue ca n't tell them anything to do or how to do it. And they still have our bank account frozen and refuse to make any payment arrangements.And trying to collect a amount not even owed.

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 2017-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Our mortgage is with Ditech Financial. Our house recently flooded and my mortgage company will not release the insurance money for us to make repairs. Per their requests, we have sent a substitute XXXX for tax purposes, an estimate of repairs along with the adjuster 's estimate and an inspection form. Every time I call to see where the money is, I am told they need more information and then told to wait another 2-4 weeks for processing. I asked for a phone number to file a complaint and was told that they do not have a complaint number. I was told I could leave a message on the supervisor 's voicemail if I wanted to make a complaint. This has been going on for 3 months and they have yet to release any funds. I would like to file a complaint, and would like to have 50 % of the funds released to make the necessary repairs to my house. I would like for Ditech to be held accountable for their actions. Every time I call, I have to speak to another person and they tell me the person before gave me misinformation. I see no resolution in sight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
Green tree has contacted credit bureau to change charge off closed account date from XX/XX/XXXX to XX/XX/XXXX to keep the record from dropping off credit report and with them also doing this it dropped my fico scores like back in XX/XX/XXXX when it was first charge off and closed.. This is illegal by law and they need to correct this to the credit bureau to report when it was actually closed and charged off back in XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech purchased our loan XXXX XXXX. All our payments have been timely and correct until XXXX error on our part in XXXX XXXX ( reversed XXXX digits in payment for XXXX, having paid {$2300.00} instead of {$2800.00} ), which we corrected in XXXX, paying the shortfall. Ditech has continued making errors and are grossly negligent and fraudulent in allocating our payments since that time. They now show we are 3 months behind when we have paid in full. 
We have communicated with them since XXXX/XXXX/XXXX with XXXX email message, XXXX phone call conversations and a written letter over the past 56 days and still have no resolution. We are appalled at the negligent handling of customer service issues by Ditech. We are concerned that their continued incompetent handling of their errors will affect our credit score and that Ditech will attempt to foreclose on our home based on their incorrect accounting of our payments. 
Please assist us in resolving this fiasco with Ditech. We have paid in full through XXXX XXXX ( XXXX payment being processed XXXX/XXXX/XXXX ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I suffered a home fire on XX/XX/XXXX ... .unbeknownst to me XXXX XXXX XXXX allowed my insurance to lapse in XX/XX/XXXX .... Then they transferred servicing my mortgage to GREENTREE . GREENTREE activated a forced-place policy on my home and now it 's XXXX XXXX years later and I am constantly battling with them to transfer money allotted to me from the insurance company to rebuild the home. I have since purchased a manufactured home, disassembled the burnt structure, cleaned the foundation and installed the manufactured home on the foundation. During all this it 's been a constant back and forth, delays, no return phone calls, just a ridiculous amount of stalling to get GREENTREE to reissue the money that the insurance company had sent and was to be relayed back to me within 7-10 days ... ( their words ) .The latest issue is that they have had {$5000.00} to install gutters and buy materials and have me finish the basement. I have XXXX more projects to complete before the house is issued an occupant permit. One, finish the basement as it was previous to the fire, and two, install a rear porch. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX issued a check for {$5000.00}, to which I endorsed and relayed to GREENTREE. They received the chech the beginning of XXXX. I 've repeatedly called my account manager XXXX, and was repeatedly TOLD that she 'll review it in the next several days. I faxed proper documentation, which they require, W-9, Lien Release, for a portion of the job ... ( install gutters.. {$500.00} ) ... And have been waiting to hear either that she issued the check or something else is needed but have not heard anything despite numerous calls expressing frustration. I 'm appealing to you to please help me with this situation as is has become intolerable. I 'm just looking to finish the repairs on my home based on the estimate they gave me. GREENTREE is totAlly uncooperative in this matter and I 'm hoping you can help me resolve this as I became aware of the fines you imposed on them and that they 're being folded into XXXX ... .THANK YOU!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 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: Debt Recovery Solutions, LLC
State: MI

Complaint narrative:
I contacted agency to pay debt. They made a settlement for the debt. They the reported debt as late and still owing a {$64.00} balance. I have tried contacting them when I explain what happen they hang up on me each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and i, m being Deined the right to Purchase a House from HUD .My credit # is XXXX the Bank is saying that i need XXXX or XXXX to get a Home Loan even the Credit Union is saying thati need XXXX and XXXX to buy .Thats a Violation of my rights it puts me in a deined state .We are also being Deined because we don, t live in Mississippi, But we are relocating to Mississippi.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
DITECH MORTGAGE AKA XXXXXXXX MORTGAGE CONTINUES TO AGRESSIVELY AND IN A VERY HARASSING MANOR TO ATTEMPT TO COLLECT A DEBT ON THE MORTGAGE BACK FROM 8 YEARS AGO THAT WAS SETTLED THROUGH A SHORT SALE. THEY KEEP REPORTING A FULL BALANCE ON CREDIT REPORT RUINING CREDIT REPORT AND CAUSING A GREAT FINANCIAL DISTRESS TO ME AND MY FAMILY. THIS NEEDS TO STOP IMMEDIATELY!!! 
Name : DITECH FINANCIAL LLC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Past Due : {$55000.00} Acct Status : 120+ DAYS PAST DUE Hide Details GREEN TREE XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : 120+ DAYS PAST DUE Account Owner : Joint Account High Credit : {$120000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Mortgage Credit Limit : N/A Terms Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$55000.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$710.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 70 Creditor Classification : Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : yes Date of First Delinquency : XX/XX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
I am filing a second Complaint because Ditech has not corrected my account, has made false statements, and has shown very confusing and obfuscated accounting Re : [ Case number : XXXX ]

Company response to consumer: Closed with explanation