vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My servicer Ditech Mortgage put an impound account for property taxes on XX/XX/2016. I was behind in my taxes and i know that this is my responsibility. I made the XX/XX/XXXX payment as per my statement of {$1600.00} and added {$100.00} for the escrow account. XX/XX/2016 I leased a vehicle and discovered that there was a ( 30 ) day late payment on my credit report. I called Ditech and they insisted that the new payment of {$2300.00} was instituted with the XX/XX/XXXX payment, therefore creating a late payment, even though I paid the payment due for {$1600.00} as per the statement. I send letters to them the first time and they insisted that I was wrong. I tried a second time on XXXX to resolve this issue. I was told to make the payment for the XX/XX/XXXX due date, and add the {$690.00} that was not paid in XX/XX/XXXX and they would process the paper work to remove the late payment. I sent a check for {$3000.00} that cleared by bank on XXXX XXXX. When I went to make my payment for XX/XX/XXXX I discovered that Ditech put all of the {$3000.00} towards the escrow account and nothing for the principle and interest payment thus creating another late payment due for XXXX XXXX payment. DiTech has kept the XX/XX/XXXX payment in suspense and has not applied the payment to principle and interest. I find this to be deceitful and possibly illegal. The issues are the XX/XX/XXXX payment that is being held in suspense and the XXXX XXXX payment that was applied in full to the escrow account. I am attaching my communications with them and my cancelled checks and the communications that i have had with them. All payments from XX/XX/XXXX thru the XX/XX/XXXX payments were made on time before the XXXX of each month. not to mention that Ditech has been sending duplicate invoices monthly with conflicting information : I am attaching the XXXX invoices for the XX/XX/XXXX payment dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Note : Even though all of the statements show past due, all payments were made before the XXXX of each month Written responses from Ditech indicated that I would be assigned a representative, However when you call them, you can not get to talk to the person assigned and have to talk to a different person each time. It is important to note that Ditech admits that they had a computer glitch and that was the reason for the mandatory escrow account did not show sooner. Copies of this communication attached including the escrow account history shoiwng the XX/XX/XXXX payment credited to the escrow account and not the principle and interest. Your help with this matter is appreciated. Sincerely, 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 2016-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
We have been attempting a " Short Sale '' for my client 's property with Ditech Funding for over 1 year. We are working on our XXXX Buyer for the property. Every time we have a Buyer, Ditech stalls or asks for documents in unreasonable time frames. If we do not get the documents within the time frames, they cancel the file and make us start over. When we are able to get the documents within the time frame they always turn to value, which they have {$40000.00} over actual market value. Bottom line is they are unwilling to professionally work out a reasonable short sale for my client and I feel they have broken many laws and regulations in the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 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: NH

Complaint narrative:
I received an alert on my credit report of a collection account. I never received any communication from them. I do not believe I owe the bill but I was never provided an opportunity, or a copy of the original bill, to confirm it is legitimate. This is a scam that a collection company can report something without even contacting the debtor. This should be removed from my credit report and then provided to me to review and dispute or pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Please see letter dated XXXX/XXXX/15. My mortgage for acct # XXXX is auto draft each month. I paid XXXX XXXX XXXX XXXX tax XXXX/XXXX/15 from my checking account at Bank of America. I also paid said tax to the same school district, the same time for XXXX other accounts, no problem with the taxes paid for properties : XXXX XXXX XXXX XXXX XXXX Texas XXXX and XXXX XXXX XXXX XXXX Texas XXXX. 

Bank of America in XXXX 2015 started an escrow account and funded it with part of my loan payment thereby making my XXXX and each month after late. Please see list enclosed. 

This is affecting my ability to get a loan, Bank of America turned me down for a loan citing late payments on my credit report that they refuse to remove even though they wrote me a letter saying otherwise. I would like the bank to fix this immediately and post a letter at all credit agency and mail me the same letter certified for my files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
Debt collector ( ability recover services ) did n't verify collection no contract no signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
The company refused to provide verification of debt nor any details about the debt. We made a good faith effort to find out what this debt even was. " XXXX, '' the first agent was given the account number and was able to pull up my name. We asked several times to disclose to us what this debt was for. She insisted on acquiring personal information which we stated from the start - we would not disclose ANY personal information until we were able to verify the validity of the debt and the authenticity of the " collection agency. '' She already had an account number and my name. 

My advocate asked to speak with her supervisor, we were on hold for some time ; when " XXXX '' did finally come to the phone, we explained in detail what happened with XXXX. XXXX argued with us that we were required to provide personal information to her. Under the Fair Consumer Protection Act I know this is indeed not true. It is my right to protect myself and request validity of their identity and supporting documentation proving their claims. XXXX refused and argued, she would not provide verification of the debt, she became aggressive, she threatened me with a judgement ... again without any verification of the debt and the call was abruptly ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have a student loan with Navient. I requested my accountt be placed in forebearence or deferment I forgot which XXXX. I always stay on top of my student loans as they always remind me when its going into repayment. Out of no where they placed this account with negative remarks on my credit after I just brought my credit score up. I immediately called them and informed them that this is their mistake and it should have been in non-repayment status. They agreed to fix it. they put it back in good standing but not after damage was done. They are still on my credit with negative remarks and I want to know what can be done because this was not my error and I worked all year round to fix my credit for their " error '' to knock it down over XXXX points ''. Something needs to be done please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: D2 Management LLC
State: CA

Complaint narrative:
I received a call from XXXX asking for my husband. When I advised her that this was not his phone number, she asked that I take a message. She stated 'we have his social security number on important legal documents in our office, and we need to talk to him immediately '. When asked what number he can call back on, she provided XXXX. 

I at this point asked what company she was with, she said 'why would I tell you that? your not who I need to talk to '. 
I advised her that he is my husband. She proceeded to yell at me, asking why I did n't tell her that in the XXXX place. She said, I made it clear this was urgent, so why did n't you tell me he was your husband? She was extremely rude and unprofessional. 

She verified she was with D2 Management and her name was XXXX XXXX with no extension. 

I told her that I would relay the message to my husband, and if he chooses to do so, he will follow up. 

She threatened us, and said ' well, he should call, we have his full social security number ' or something along those lines. I was extremely furious after he tone and behavior, I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: D2 Management LLC
State: CT

Complaint narrative:
From what I can tell, someone is selling my information to fake debt collecting companies. These companies then proceed to call with threats of impeding arrest, and demands for immediate payment with no written correspondence. 

They are calling my parents threatening that I need to call them else they will hand deliver warrants at the home or that I need to schedule time at my place of work and have both my manager and security personnel present for document deliveries. All these actions are harassing and breaking the law as I understand the Fair debt reporting and collection act. The latest company is calling from multiple numbers from Rhode Island.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
I have received XXXX phome calls from ( XXXX ) XXXX in the past two weeks. They only ask to speak to me by name, the XXXX time they had gender mixed up, they ask for my address, date of birth, and other information and refuse to tell me what they are calling about at all until I give them the information. I asked who they are and the first time they declined to tell me anything, just that it is, " A personal matter. '' I googled the number and found it to be " Professional Credit Service '' which was littered with reviews and complaints ranging from scam, to rip off, to incompetent. The XXXX time they called, they told me they were from Professional Credit Service, but woild not give me any more information. I have asked them to stop calling if they are unwilling to tell me what they are calling about without soliciting my personal information. 
I suspect they will continue to call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-03-30 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Creditors Specialty Service Inc
State: CA

Complaint narrative:
received a letter from Creditors specialty service. They disclosed all my information to my boyfriend. Talked to my boyfriend without my permission. Creditors Specialty Service gave my info to a third party. XXXX XXXX did this. I was calling to ask for verification of this debt, because I do n't think its mine and he kept pushing me to pay for something that is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Other financial service — Debt settlement
Issue: Disclosures — 
Company: ClearOne Advantage, LLC
State: LA

Complaint narrative:
I sign on with ClearOne Advantage debt settlement program, XXXX. 2015. When I signed on with a rep name XXXX XXXX, I asked several questions about this program. In the conversation the questions asked several times if there will be a fee link to this service, 3 times I was told " we never charge a fee ''. Now I am being charge a XXXX % fee each time a creditor is paid. Then she indicated do no worry we will handle everything, contact creditors sure they are taken care of. They did not explain that in order for the creditors to be paid/settled that I had to " reverse '' money in order to start working with them. 
Now I am face with a creditor wanting to send me to collection because of their " false '' information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I called the company commonwhealth they report it a collection on my credit report and when i called to know who was it and what for was the debt they did not find any information on me and could not find anything all so i ask them why are you reporting false information if you dont know who em i so i ask to remove that collection and they said no until they find out what happend

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
I received a summons for a lawsuit after I disputed the debt. I had my attorney send a letter stating that I did not owe the debt and why and they responding directly to me, not my attorney. They proceeded in filing a lawsuit directly against me instead of my attorney. They also refused to provide a physical address so they could be served.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I applied at Wells Fargo for a {$50000.00} equity line of credit on my manufactured home. Was " conditionally '' approved. Then received email stating they do not do " manufactured homes ''. 

l am finding no one will give me a equity loan on my manufactured including XXXX and XXXX. 

This is discrimination.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
They will not give me any information about who they are. They ask to speak to me but will not identify themselves. I am hesitant to give them my personal information without verification of their identity. They call me numerous times every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
I applied for a card with higher credit limit and was offered a card with a lower limit. During the application process I was told by the banking manager that my application needed further review to clear a credit exception. At that time, I was told my the banking manager I would be approved because she has a relationship with the underwriter due to the credit issue being mine. It was a minor collection that was misreporting ( currently now being disputed ). The issue is I was told by the banking manager that I would be approved for the original card request however approved for a card with a lower credit amount and features.

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 2016-08-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been banking for several years with Regions Bank XXXX XXXX XXXX FL XXXX. 
They have an unfair practice of deleting the largest withdrawal first from our account and then the smaller ones. So If you have XXXX large and XXXX small ones what happens if our funds are border line the larger one will be cleared and most of the smaller ones will not be cleared and then we are charged {$36.00} per t transaction!! If the smaller ones are cleared first there is a good chance that there may only XXXX {$36.00} NSF rather than XXXX. This has put a serious burden on us. 
We do live from paycheck to paycheck and try very hard to have sufficient funds available but with this unfair practice they are ripping their customers How many banks follow this practice and is it legal? 
off big time. This has gone on for several years and we are tired of it. How

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 2015-08-07 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: EOS Holdings, Inc.
State: NY

Complaint narrative:
Never had service with company. They also REAGED the " debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Harmon Law Offices, P.C.
State: MA

Complaint narrative:
XXXX of Harmon Law debt collection stated in letter dated XXXX XXXX, 2016 that if within 30 days, I dispute the debt, submit debt validation, or request info on the debt, that by law he is obligated to cease collections. Harmon Law signed certified return receipt XXXX XXXX, 2016 and failed to respond to debt validation, QWR, Dispute of charges. Rather than answer by law per his own letter citing the law, XXXX XXXX has gone to Commonwealth of Massachusetts Division of Banks with unclean hands, decieving the court indicating he has complied with the law conducting all procedure prior to advancing foreclosure, has illegaly obtained signature from the XXXX, on the Soldiers Relief Act, which allowed him to serve " Order of Notice '' to advance his illegal foreclosure. It is imperative that his behavior be investigated and stopped. He obviously KNOWS the law, because he had it in his letter to me, which is how I based my comminications with a 30 day window. I wrote to him immediately and he signed for my QWR Dispute Debt Validation within 48 hours! This ilegal aggressive attempt to take my property without regard for my rights is directly violating federal debt collection practices. He must be stopped. Please assist me on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 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: AFNI INC.
State: NJ

Complaint narrative:
I have spoke with XXXX on this years ago!!! A phone was put in my name and the bill was never paid!! This should not be on my credit report!! I advised to my Attorney on this and will try this option first before the next steps!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 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: AFNI INC.
State: CA

Complaint narrative:
There are XXXX accounts on my credit report that show open and in collections. The XXXX accounts were included in the Bankruptcy Chapter XXXX filed in XXXX XXXX. The United States Bankruptcy XXXX granted a discharge in XXXX XXXX, XX/XX/XXXX.I have filed a dispute in XXXX XXXX with XXXX in regards to have the XXXX accounts debt removed from my credit report. As of today, it still shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
The collection company only gave me 10 days to respond to the court regarding the attorney 's lawsuit against me and my wife. In addition, the last two days of the 'answer to the court ' landed on a weekend. The court is closed on the weekend. Therefore, I actually only had 8 days to respond.They are suing my wife as well, even though I am the person that signed for the medical financial document. I called the collections company to work out a reasonable payment plan and they refused to negotiate, and proceeded to get a judgement through the court against me almost immediately, after I spoke with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
My identity was stolen and used to add XXXX extra cell phone lines to my XXXX wireless account. After filing fraud with XXXX and getting affidavits of fraud for each individual line added to my account and police report and countless conversations with XXXX, the extra cell phone lines were erased off of my cell phone account. So because the lines were canceled, the company XXXX XXXX has been coming after me saying I canceled the insurance for those fraudulent lines and that I owe money to them. I did not comply because I never signed a contract with them during the fraud and it was forwarded to the company Aldous and Associates who have been threatening to send this into collections and that I owe {$800.00}. Please help me put an end to this.

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