vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My name is XXXX XXXX and I am in desperate need of help. XX/XX/XXXX I refinanced my home and the title company who completed the transaction never recorded the Discharge of Mortgage which paid off by the refinance. I also refinanced a few more times since then and no other back made mention of this. I am now in the process of selling my house and one week before closing this came up. I can not sell it without the discharge. The title company which handled this XX/XX/XXXX went out of business. The holder of the undischarged mortgage was XXXX XXXX XXXX which went out of business and was acquired by XXXX. XXXX also went out of business and was acquired by Chase. Basically, I 'm XXXX. Anyone who may have had documentation of this payoff no longer exists. I 'm now trying to work with Chase to get a discharge letter but am hitting roadblocks right and left. 
The sale of my home is critical. The proceeds from the sale were going to go to my daughter to pay for her wedding. That is now in serious jeopardy. I do n't know what I 'll do if I ca n't sell the house. My daughter is stressed out and crying for fear that her wedding may be in ruins. I 'm not in a position to rack up credit card debt. I need the cash from the sale. Furthermore, the family which is in the process of buying my house is now displaced due to this problem as they have already sold their home. The husband and wife and XXXX little girls are living separately with relatives until this gets resolved. 
Please help! I 've been victimized by the predatory lending practices and disregard for people 's personal well-being of XX/XX/XXXX. The sloppy work done by the lawyers back then is hurting me and my family today. Can you please intervene with Chase Bank and urge them to produce a discharge letter? I have a case number with Chase of XXXX. The phone number for the Chase Lien Release Department is XXXX. 
I appreciate anything you can do to help. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX My Chase Bank account was mistakenly charged {$2100.00} dollars by XXXX. They admitted the mistake without problem and tried to help me recover my money. This transaction sent my bank account into immediate overdraft. 
Until the {$2100.00} falls off my account as 'pending ' I am in overdraft status. I was informed by Chase that this will take 3-5 business days, and a {$35.00} dollar overdraft charge for everyday my account is in over draft ( see photo ). What am I supposed to do for 3-5 days? I HAVE NO MONEY!!! 
The merchant talked to Chase. They have called and explained this to Chase that it was a mistake. 
I went to a Chase branch and talked personally to a personal banker. Chase will not escalate the drop off period for the charge because I did not meet one of the two criteria. Although I have been a good customer since XX/XX/XXXX ( according to Chase ) I only keep an average year to date amount of {$800.00}, even though the company I work for - XXXX- Direct Deposits 3 times that amount into my account twice a month. Because I do n't enough money in Chase bank daily they can hold on to my money longer??? 
I am filing a complaint with Better Business Bureau of XXXX and XXXX Illinois and Consumer Financial Protection Bureau against Chase. I have no money until this clears up for 5 days. They are a horrible bank. I will be moving forwarding to taking the necessary steps to close my account and I will inform the Executives at XXXX XXXX about my experience with Chase and how they treat their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have been paying mortgage payments for my XXXX XXXX prefab home in a trailer park, to Green Tree since XXXX which is a 25 yr loan at 12.9 %. 
XXXX XXXX I became XXXX with XXXX XXXX which has made it difficult at times to make payments on time. After many phone calls from XXXX, with threats they will short sale my home, I have borrowed from family members. I asked how much the payoff is and was told {$29000.00}. On a {$39000.00} loan! How can that be when paying all these years I asked and was told with interest, fees and other charges. I could n't get straight answer. I stated my monthly statement does not show anything like that. Also was making normal monthly payments that includes home insurance only to get letter from Green Tree and Insurance Co. stating I was XXXX months behind in insurance premiums. I am so ill this stress is exasperating my illness. I have begged them for help and nothing they can 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 2017-03-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I have submitted numerous documentation to World Acceptance Corporation the first letter being submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX including an the Notice of Irrevocable Estoppel by Acquiescence letter. I stated that I would be happy to pay if they would please provide validation and verification of their claim against me and to the date XX/XX/XXXX they have yet to provide me this documentation but they are still reporting this debt to XXXX credit bureaus which is a violation of the FDCPA and are still trying to collect on a debt that has yet to be validated or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
It start as XXXX Mortgage it change to Green Tree now its changing again to some Ditech or something.Something is no right please could someone help me.Because if someone show up to my house and threaten me like Green Tree did.Please it do n't suppose happen like this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I have XXXX mortgage loan servicers and I 'm having the same issue with both. I 've already filed a complaint against XXXX, this is for the servicer of my first mortgage, Green Tree Servicing , LLC. 
Green Tree acquired my 1st mortgage when XXXX declared bankruptcy years ago. I declared bankruptcy near the same time, but I signed a letter of intent for both of my mortgages with XXXX at the time ( 1st ended up with Greentree, 2nd with XXXX ) and my payments have been current since XXXX modified my loan under HAMP long before either BK. 
Aside from the initial pain of trying to get any kind of customer service when the loans were acquired, at least they have both improved their accessibility over the years. I did have an unfortunate run-in this year when my payment increased and Green Tree failed to send me a simple statement with XXXX new monthly balance beginning XXXX XXXX, 2015, but that was resolved with XXXX very lengthy and incredibly frustrating phone call to them to figure out why they sent me to collections for what turned out to be ~ {$38.00} shortage. 
My immediate concern is both mortgages are still showing on my credit report as negative because they show closed/discharged in BK. I have contacted both servicers several times to correct the issue. Neither servicer will take responsibility to correct the erroneous credit reporting. Why is this an issue? Because I want to refinance with someone, ANYONE else but the negative marks make me less than a favorable choice for any kind of loan. How are they getting away with this? What other issues are buried in poor management of our mortgages? How do we the consumers fix it?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Contacted XXXX, my account rep at Ditch 2 days ago and never received a call back regarding a loan modification. I want to stay in my home, submitted additional documentation that should qualify me for a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 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: Financial Credit Network Inc
State: ID

Complaint narrative:
this is a fraud case and I filed a fraud affidavit with the FTC and sent it to Financial credit, but they refuse to acknowledge the information and continue to collect and report adverse information on my credit report. I told them that I have never opened a gas service account and I never lived near or at the address they say the account was located. I was homeless or living in a VA home shelter for 10 years. I had no need for a utility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
I have a mortgage through Ditech Financial ( # XXXX ) and my XX/XX/XXXX payment was sent from my credit union online bill pay XXXX XXXX. It was received and cashed by Ditech on XXXX XXXX. My account has never been credited for this payment. I 've had XXXX conversations with customer service regarding this lost payment. I was initially asked to email the bank statement proving payment. The email went through and was not rejected or returned to sender. I called a few days later and they stated they never received the documents. I was then told by customer service to fax the proof of payment to them. I complied and the document was sent. I called back a few days later and they stated that it was now in review. The file has been in review for over 4 weeks and every time I call for an update they ask me to fax in the same documentation proving the payment was made. This is even after they have confirmed that the original proof payment was submitted and the file is in review. This feels like theft to me and their customer service has not been helpful in finding a solution. Please help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
ON MY CREDIT REPORT A COMPANY CALLED DITHECT, I HAVE Disputed THIS ACCOUNT WITH credit bureau 's and then they the credit bureau Company contacted them and then all of a sudden they contacting us ... it 's been a charge off for a long time over 7 years ..now all of a sudden they reporting it recent and ca n't even list what the amount of payment..we never had a mortgage with Dietech. I had to put a fraud alert on all the Credit bueru 's this is one thing..the other thing is a company called XXXX ... they are another one reporting as charge off and with a comment unable to reach us..well us never had any contract with XXXX..and we never moved, never changed phone number, and now they reporting it as recent date while it should be removed..it 's way past the FCRA of 7 years And they also could not put the amount of payment..they broke the law and I will be filling a lawsuit against the credit bueru 's for doing this and allowing it and also for mental harassment on making our credit to be effected ... the credit bureau 's ca n't report one thing and then update with dates and numbers ..., done we are at our end of being harrased..please help seek why credit bueru 's are allowed to break the laws just because some company that does not even belong to us told them this is updated dates and numbers .it 's against FCRA law to do this..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
I have no idea where this collections is coming from.

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 2015-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
We took out a XXXX mortgage with Green Tree for our childrens school and medical bills. ( I 'm on the XXXX at the University XXXX ) I have written, called, Green Tree so many times and have gotten no response. All I wanted them to do is lower my interest rate of 9.65 to even 5 would help. I have never been late on a payment but its getting harder and harder to make those payments especially when principal is only XXXX from a payment of XXXX. Any help would be appreciated. I have told them when the transplant happens we may not be able to afford this with the medications being so high. I have NEVER heard back from them ... XXXX and 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 2016-08-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We are trying to sell our home in a short sale due to a divorce/pending foreclosure. We also filed bankruptcy and our 2nd mortgage was supposedly included in that. Now the 2nd mortgage company, Ditech, is demanding {$20000.00} even though they have charged off the debt. 

The 1st/2nd mortgages were originally obtained through XXXX and the XXXX went to XXXX and the XXXX went to Ditech. Neither XXXX of these companies seem to want to settle this all once and for all. Our short sale contract has now been dragging on for 9 months. Meanwhile, XXXX filed to proceed with foreclosure even though we are doing our best to short sale and move on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
After seeking the assistance of CFPB last year, I was finally able to secure a loan modification of mortgage loan with OCWEN. After going through the required trial period, my loan modification became finale starting on XXXX XXXX, 2015. In addition, I signed for ACH automatic payments to ensure my timely payments. However, the first direct payment was delayed because of supposed internal computer glitches. It appeared the glitches were resolved and OCWEN proceeded to debit my personal bank account for the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments. Therein lies the problem, despite having automatically taken my payments from my account, on XXXX XXXX, XXXX OCWEN sent me a letter stating I was now 31 days past due. In addition, I received XXXX letters dated XXXX XXXX, 2015, with the first letter purporting to confirm my request to cancel the ACH payments and the second letter notifying me that my loan was being transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: R.M. Galicia, Inc.
State: NC

Complaint narrative:
I provided the school I was attending the address that I would like information to be sent to which was also my home address. I spoke with the collection agency ( progressive ) the other day in regards to my paycheck being garnished and was informed that they sent notices to my ex boyfriends address ( a address I never provided them with ). I was informed by the collection agency that they sent the information to my current address which I find impossible because they had the wrong address on file when I called in. The collection agency then went on to state that they sent information to my job regarding the garnishments which again is information that I never received. I did informed each representative that I was recording the call and each still gave me very rude service and unwilling to help me to understand the situation. Even informing me that I could go to the post office and request a list of returned documents which the post official is stating they only do for packages. As far as the loan goes when I was in school do to health issues ( still present health issues ) I had to drop out ( the school stated that they could not take the risk of having a student with my condition stay in the dorms ). I had made several attempts to pay toward my loan through the school and never received accurate information ( I also have documents to verify ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Our Mortgage was originated by XXXX Mortgage, they sold our loan to Green Tree Servicing. It has been 6 months and there we have had several issues. They applied our payment to an incorrect account, I have been unable to call and make a payment ( although normally after the XXXX ), I can not get a rep. on the phone to assist. They add the next months payment to the statement on the XXXX of the month and then charge a late fee of XXXX if it is not paid on the XXXX of the following month. This is not a reputable bank. I wish I was given a choice. I am sure many other struggling families are frustrated. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: DC

Complaint narrative:
I filed a complaint previously ( XXXX ) about serious concerns and practices of Seterus including threatening to take funds out of my bank account without authorization. The response did not address those serious matters and the author of the letter, XXXX XXXX XXXX said she would send response to those issues. I never heard back from XXXX XXXX and was informed later she is no longer employed by Seterus. Those concerns in the original complaint have never been addressed. I applied for modification/forbearance back in XXXX 2015 and never received any notification of the status although I called to follow up many times over the past six months. I was always told it was in review. 
I spoke with representative XXXX XXXX on XXXX/XXXX/15 who represented herself as part of Seterus management and claimed to be personally working on my case. She assured me that the forbearance application was received and complete and she would personally see why I have n't received a response and would also forward the XXXX page response by Seterus sent to CFPB to answer my other concerns about what was not addressed in my letter. I received a extremely harassing call from XXXX XXXX on XXXX/XXXX/15 demanding to know ( 1 ) if I had an attorney and ( 2 ) if I ever told anyone I was self employed. I requested the conversation be recorded and questioned why he was calling asking me those questions. He repeatedly aggressively said ... " so you are refusing to answer my questions '' every time I asked why was he asking those questions. I informed him that I had spoken with XXXX XXXX in management and she was handling my case and requested to speak with her. He told me XXXX XXXX was " a nobody '' and had only been working there for two months and he had been there for a year and they both have the same position. I received a letter the next day ( although dated XXXX/XXXX/15 ) demanding payment of all past payments in less than 30 days from receipt of the letter. XXXX XXXX never mentioned there was Intent to Foreclose letter already processed and I should have received/be expecting it. I have since spoken to another representative to determine what do I need to complete the modification package and was told social security award letter and profit/loss statement ( letter of explanation ) which I sent. I have not heard anything from Seterus or acknowledgement of receipt of documents. I never received any written or verbal notification about the status of request for mortgage assistance programs. I have a made payment during this period, but unable to pay the entire amount and the date expires on Tuesday. I need help!!!

Company response to consumer: Closed with explanation