vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation
State: WA

Complaint narrative:
In XXXX, 2015, without giving notice and without authorization or approval, First Data Global Leasing withdrew {$990.00} from my checking account for a contract debt which does not exist. I had owned a business, XXXX XXXX XXXX XXXX, and had leased credit card terminal equipment from FDGL.. During this time, FDGL had access to the said account for payment of the leased equipment. Upon the business 's sale 5 years ago, they were notified of the business closing and the equipment was returned to them. I kept the checking account as my personal account. After the sale, I retired and have lived solely on my Social Security automatic deposits. Their withdrawal of the funds caused the account to be overdrawn which took 2 months to get back in the black. So, first, I do not believe I owe them any money having no contract to prove or disapprove this and second, it should not be legal for the way they withdrew money from my account. Also, it has been impossible to make contact with anyone at FDGL and no one returns calls. I am sure they have handled other businesses similarly. My living on a fixed income only made this act more unscrupulous and tragic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This company was contacted twice in writing. Both times they were asked to validate the debt. Specifically they were asked for a copy of the original promissory note, evidence that they are the holders of this promissory note and the identity of the current owner of the account. As they were unable to provide the requested information I requested they delete this account from my XXXX credit report. To date ( nearly 6 months later ), this agency has failed to validate the alleged debt or delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
{$1200.00} debt transferred from XXXX to commonwealth financial. Debt cut in half and paid from XXXX XXXX XXXX to XXXX XXXX XXXX totalling {$600.00} No communication until XXXX XXXX XXXX when they arranged a 1 time payment of {$38.00} No communication so I figured the debt was paid. Now trying to apply for loans for school and cars, but XXXX says I still owe the full {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Commonwealth Financial Systems, Inc.
State: WI

Complaint narrative:
The debt-collection agency, Commonwealth Financial Systems Inc., received my XXXX. XXXX certified - return receipt letter on XXXX XXXX, 2015, which was my dispute of their alleged debt and my direction to discontinue contact with me. I retain the postal return-receipt card, identifying Commonwealth 's receiving my certified mail on that date. Still, Commonwealth continues to call me and their most-recent call originated from their phone number XXXX at XXXX on XXXX XXXX, 2015.

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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: RI

Complaint narrative:
I received a letter from Commonwealth Financial Systems stating that I owed money to : XXXX XXXX XXXX Services in the amount of XXXX. The letter stated that they had purchased the account and if I considered the debt valid they requested payment. They further stated that if I failed to let them know in 30 days that I disputed the validity of the debt they would consider the debt valid. They also called to request payment and asked for last XXXX digits of my SSN. I told them I do not give out information on the phone. They have a spot on the letter for you to fill out your credit card information and offer XXXX automated payment. They push hard for payment and are hoping you just pay it right away without taking the time to research it. Obviously, XXXX XXXX XXXX is not a real company and the debt was not owed but they sure make you feel like it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
Suttell, Hammer XXXX XXXX collection agency submitted judgement to court in 2004 for supposedly on account we had with XXXX XXXX, in the amount of {$7700.00}, at 12.0000 % interest. Since 2004 they have been garnishing my pay for this. After 11 years you would think this has been paid off a while ago. We have noticed for years they will start and stop garnishment. Never sending us any kind of accountability how much was taken out or balance owing. Every XXXX they start garnishing my wages for a month or so, then it stops. We never hear from them again until they start a new writ the end of XXXX. We get paperwork in the mail. Also enclosed is a Wage Garnishment Exemption Claim, stating we have 28 days/4 weeks to respond. They never give us a chance to respond, because they have already submitted collections to my payroll. We see what they are doing. They are taking so much out, leaving a balance to keep adding interest on for a year then send to payroll for collections. Why ca n't after each time they take money from me, I get a balance from them so I can go ahead and pay in full? When I got this on Thursday, I called and asked this question and nobody wants to respond to this. They are nickel and finding me. I called XXXX years ago and was told this account had been written off many years ago and they have no record of payments. I called and told XXXX this and they told me it does not matter and when I had asked for contact to XXXX they would not give to me. I had to find contact myself. I feel after 11 years of supposedly paying off a {$7700.00} debt this should have been paid off a long time ago. We feel they are taking advantage and just trying to get as much money from us as they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 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: TX

Complaint narrative:
Commonwealth Financial Systems responded to a recent complaint I filed against them with the CFPB ( Case number : XXXX ) stating that they were closing the account and removing the unsubstantiated collection account from my credit reports. The day after they responded to my complaint- instead of deleting it, they actually updated the collection on my XXXX credit report. Commonwealth also responded to the XXXX stating they were removing the collection. I contacted XXXX fraud department and they assured me that they had placed a fraud alert on my credit report and that they would begin their own investigation. With the enormous number of complaints against Commonwealth Financial Systems I am baffled as to why the CFPB has not taken action against them. I feel like this nightmare is never going to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: ClearOne Advantage, LLC
State: NC

Complaint narrative:
I have just started with Clear One Advantage and they had told to stop taking my creditors call or to tell them I am working with the company. I was at the end of my ropes and considering bankruptcy. I got in touch with them. All I am want is to be debt free and in to deeper debt. I do n't want to be scammed out of my hard earned money. I have only paid them one month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I am applying for a loan to buy a new house and my loan officer reported to me that there is a delinquent charges more than 30 days on XX/XX/2016 and 60 days on XX/XX/2016 for some credit card ending in XXXX that is issued by CBNA and he gave me a phone number XXXX, which I have called and stayed with them for at least 30 mns and they could not find any credit cards that was issued to me using both my name or my SSN or even my phones so they switched me to fraud department which could not find anything either and then I talked to few supervisor in CitiBank who could not help me at all, I do not have any cards and i never had any cards that ended in XXXX, I need help please, my home loan is depenedent on this ... the phone number that was listed on the consumer credit report was

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX phone number XXXX Is asking for XXXX $ But they are paid in Full.. But it still on my credit report. Also Common Wealth Financial systems XXXX they are asking for XXXX Dollars. From a Hospital Emergency Problem I had with either XXXX and or XXXX. the hospital knew that I had XXXX through the VA hospital so their dept. is paid. But the doctor is asking for his money. I called the hospital they Have no idea who the doctor was. So at this point I do n't know how to talk to the doctor to explain that he can go through the VA hospital to get his money back. XXXX XXXX Hospital billing does n't even have this in their records. I do n't know what to do. I have insurance and the Govt. should have paid for this. I am frustrated Please Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
1. During the month of XXXX I purchased a property thru Ditech located at XXXX XXXX XXXXXXXX tn XXXX. Prior to closing I was approached by the adjoining property XXXX XXXX. He told me the home was partially on his property. He wanted the home moved off the property. I immediately call the field rep for Ditech ( XXXX XXXX Ph. XXXX ) and told him what happened. I told him I would not close the property unless Ditech vereifed the legal description and that the home be completely on the legal description. He sent XXXX XXXX surveying out to verify the boundaries. XXXX XXXX located XXXX pins and the home was clearly inside the pins. I contacted XXXX XXXX XXXX and told him what XXXX XXXX had to say. I also told him if he disagreed he should get his own survey and if it differed we would attempt to reconcile the problem. XXXX XXXX did not call back. I closed on the property and spent apx. {$25000.00}. to remodel the place. I rented the home and heard nothing else until apx. XXXX XXXX. I went out to check on the property and a survey line had been laid thru the middle of the lot. On the following monday XXXX XXXX recorded a deed from his niece transfering ownership to him. XXXX XXXX hired an attorney and ordered me to move the home. He would not accept any offer to settle the matter. He wanted the home moved. I hired XXXX XXXX XXXX XXXX. to investigate the matter and file siut on XXXX XXXX. His investigation reveled that the the location of the home did not match the legal Description true point of beginning. I attempted to contact Ditech but no one responded.I think this could have been taken care of by the Ditech foreclosure attorney but with no response from Ditech and based on the findings I moved the home to the boudaries of the correct legal description. I had to do this to protect my interest as well as the banks interest. I have a mortgage on the property.. 2. I want Ditech to reimburse my costs in this matter of apx. {$18000.00}. This is the cost of moving the home, installing a new well, connecting the sewer etc. If they disagree I would like for a mediator to handle this and I will be happy to work with anyone that Ditech thinks should here this matter. 3. My information XXXX XXXX, XXXX XXXX XXXX, XXXX, TnXXXX email XXXXXXXXXXXX 4.. attached are letters from my attorney, Ditech and XXXX XXXX Bank 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 2015-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
back in 2013 hired lawyer to help with my mortgage co. they were claiming me ( home ) as a trustee sale ( as of I paid my mortgage on time and certified usps just to make sure my paymants made it safely. I hired XXXX XXXX XXXX in XXXX XXXX, ca they made me claim bankruptcy and took my case I told them i was XXXX XXXX in my family and budget tight he charged {$5000.00} plus {$850.00} bankruptcy and said it would take 60 to 90 days but was not resolved mortgage co agreed with law firm but I did not because they were carging me with foreclosure fees. so lawyer advised to not pay until resolved and it was not now mortgage co which is now different co. is foreclosing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
This issue revolves around servicing transfer of my mortgage loan from XXXX XXXX XXXX ( XXXX ) to Ditech Financial in XXXX 2016, and the misapplication of a loan payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I am extremely upset because my bank Ditech refuses to provide me my modification contract. I made all 3 trial payments on time from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I also made a extra one for XXXX. However when I call Ditech to ask about my modification contract they just keep telling me that my modification is on its way but yet, I have not received anything and they are just prolonging my modification contract. I am about to make a 5th trial payment for XX/XX/XXXX. This is not acceptable I got in writing my trials by Ditech and I completed my part and get my modification contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I contacted Ditech back in XXXX to request assistance as I had lost my job and was in the process of starting a new one as a XXXX XXXX XXXX which was XXXX. I had lost my job in XXXX and had been paying my mortgage out of savings but after paying XXXX I would not have the money to continue until I earned income as a XXXX. I informed Ditech that I would not likely receive any income until 6 months from my start date. I then proceeded to provide them financial information for myself, my husband ( who is not on the loan ), and my parents who live with me. Initially the information was submitted through their document upload system and the system showed that the documents were under reviewed. However a month later we receive a call from XXXX XXXX stating she was our loan counselor and that the documents ( although their system has provide proof of receipt - which we printed ) were not fully received and that we needed to resubmit. We proceeded to fax the documents. Once again approximately 2 weeks later XXXX XXXX called again stating they did not receive a complete package. We then requested an email address which we could submit the information to. We emailed all the information requested, including multiple copies of Form XXXX authorizing them to obtain 5 years of our taxes. Time elapsed and we received no answer from Ditech. Instead we found an note on our door saying they had been by to inspect the property and that we were to call them to address our delinquency. I sent XXXX XXXX an email requesting clarification on this and she never answered. We are now 45 days late.I sold my car and used part of the proceeds to pay XXXX and XXXX. Now that we are current on our loan we receive a call from XXXX XXXX requesting a non borrower credit check for my husband and copies of his SSA award letter. We are now XXXX and XXXX XXXX calls again and says if we want my parents income included in their decision we need to provide them with copies of their bank statement, a non-borrower credit check and their SSA award letter. I spoke with XXXX and said I did not want to have their information included and that I wanted an answer ( approval or denial ) from them. Close to 60 days have elapsed and we have received no information from Ditech. We are currently behind for XXXX and 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 2016-06-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Dream Center Education Holdings
State: SC

Complaint narrative:
I contacted XXXX University on XXXX XXXX, XXXX and requested to have an Official Transcript be sent directly to a potential employer ( XXXX XXXX XXXX XXXX XXXX ). 
When I had n't heard from XXXX University and received an email from the potential employer regarding items in my " To Do List '' I sent a follow-up email to XXXX University on XXXX XXXX, XXXX and was informed there is a transcript " hold '' on my account. Once I contacted the Business Office I was told I had an outstanding balance that dated back to XXXX. 

The problem with this is I graduated in XXXX XXXX and received a refund from XXXX University for the same amount they are now telling me I owe them. I recall getting the refund well because it was direct deposited into my savings account and I called the school to verify this refund was n't an error because the last thing I wanted was to spend funds that were n't owed to me and create another bill for myself. When I called they explained every 3 to 5 years they audit their books and determined I over paid in XXXX In addition, I never received a bill from XXXX University .

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
After a year of having my mortgage with Ditech, it was sold to another service provider for a period of only two months and then Ditech bought the mortgage back in XXXX of XXXX. My first payment due date was XXXX XXXX, XXXX. I mailed my payment on XXXX/XXXX/XXXX and Ditech received the payment and the check cleared my bank on XXXX/XXXX/XXXX. The last week of XXXX I received a call stating that my payment was late. After speaking to a representative ( XXXX in XXXX XXXX ), she noted that Ditech did in fact receive the payment, but it was not applied to my account for an unknown reason. She then advised me that when my XXXX statement arrived showing the past due amount, that I should only pay one payment and that she would insure that my XXXX payment was credited to my account. On XXXX XXXX, I received a voicemail from XXXX again, stating that the XXXX payment was indeed past due and I should contact Ditech. When I called ( speaking to another representative ), I was told that the check that cleared my bank on XXXX/XXXX/XXXX had been refunded to me on XXXX/XXXX/XXXX. When I asked why, I was told she was n't sure. As of the date of this letter XXXX/XXXX/XXXX, I have not received any check. To make matters worse, I was told that in order to keep my account in good standing, I was to make the XXXX payment again or risk becoming delinquent. I did so by phone and have a confirmation number for that payment. Against my better judgement, I did this to protect my wife 's and my good credit. My XXXX payment was due on XXXX/XXXX/XXXX and again, against my better judgement, I mailed this payment by check on XXXX/XXXX/XXXX, in fear that the payment from XXXX/XXXX/XXXX would not be credited to my account. As I business owner, I understand that accounting errors can occur, but every time I have contacted this company, I have not received a straight answer where my first XXXX payment is. The answers have been from 4 different representatives : 1 ) It will be credited to your account, 2 ) It was refunded by check on XXXX XXXX, 3 ) It was electronically transferred back to your account, 4 ) We do n't see a payment from you on XXXX/XXXX/XXXX. None of these items have occurred. I have copies of the cancelled check and it was deposited into Ditech 's account. Today, I went to my mortgage loan originator for his help. We jointly spent one hour on the phone with 4 different Ditech representatives and got different answers from each one. No solution was presented by any representative. We were sent to a voicemail of the 3rd supervisor of the day and never received a call back. This company has violated the terms of the mortgage agreement, while I have complied. This entire issue is an internal Ditech issue, but has quickly become my issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief