vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
I have a RushCard and had a deposit of over {$400.00} automatically put into my account on XXXX/XXXX/2015 and have not been able to access any funds. I can not reach a customer service representative when I call their contact number on the card or get access through the app or online. I 've been trying to access my money for over a week now and do not know what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
I have not received any letters attempting collection of these debts. I have moved on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have been fighting with Commonwealth Financial systems in XXXX Pennsylvania for the past 2 months to get them to send the assignment of debt letter per Florida statute 559 .27 and they have yet to send said assignment of debt letter that gives me the 30-day mandated dispute of validity. I have asked for them to remove all trade lines from all credit bureaus and while they have told me that this was done I still see their tradeline on my XXXX credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: WI

Complaint narrative:
A third-party debt collection agency known as Commonwealth Financial Systems , Inc., has recently contacted me in writing XXXX and alleged a {$810.00} medical debt as due. I dispute the debt. I do n't owe the debt, and all of my medical costs have already been paid by the Department of Veterans, XXXX office. 

I contacted Commonwealth Financial in writing XXXX by XXXX and XXXX. My written correspondence to Commonwealth was first on XXXX XXXX, 2015, and my XXXX on XXXX XXXX, 2015. I dispute the billing because all of my medical costs have already been paid by the Department of Veterans Affairs ( VA ) to the original creditor -- XXXX XXXX XXXX XXXX located in XXXX, WI. 

I wanted Commonwealth to validate the debt, but Commonwealth is either unwilling or unable to validate the alleged debt. Worse, the collection agency, Commonwealth, mistakenly entered an adverse collections account information into my XXXX credit report about this unvalidated alleged debt. Equally important, Commonwealth entered the adverse information on XXXX XXXX XXXX, which infers there are XXXX alleged debts for the very same amount to the same creditor, instead of XXXX alleged debt. A duplicate-entry error by either Commonwealth or XXXX. 

I 've initiated an on-line dispute with XXXX a few days ago, and called attention to the XXXX adverse records which are precisely XXXX and the same. XXXX has not concluded their own investigation, because it was only recently submitted by 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 2015-12-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
RE : Common Wealth Financial Systems Account # XXXX and XXXXXXXXOn XXXX XXXX, 2015, I requested debt verification/validation of the alleged debt claimed owed in the amounts of {$750.00} and {$300.00}. Correspondence was sent via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, which Common Wealth Financial Systems received on XXXX/XXXX/2015. After not receiving verification/validation, I then requested, on XXXX/XXXX/2015 via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX which they received on XXXX/XXXX/2015, for Common Wealth Financial Systems to remove theses negative items from my credit report. They have failed to respond to either of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a debt collection letter stating I owed Commonwealth Financial Systems {$300.00} for a debt at XXXX XXXX which I have never heard of. I was asked to notify their office in writing if I disputed the validity of the debt within 30 days of me receiving the debt collection letter. I disputed the validity of the debt and asked for verification that this debt truly belonged to me. I asked for a break down of services provided. I also asked them to please not place anything on my credit report until the dispute was resolved. I did all of this in writing and sent the letter certified mail. Commonwealth Financial Systems received my letter on XX/XX/XXXX, well within my 30 day allotment. 

On XX/XX/XXXX I checked my credit report to find that they reported it to all XXXX bureaus which of course caused a XXXX point drop in my score. Once I noticed that they did indeed place the collection account on my credit and I still had n't received any mail validating the account I called their office. Once I reached a representative they confirmed that they did in fact receive my debt validation letter but did n't have any information to provide me about the debt owed. The only thing the representative could tell me was that he assumed it was a medical bill from XX/XX/XXXX but could n't provide anything else. I asked who to contact for an itemized bill stating services provided on that day and was told to contact XXXX XXXX XXXX. I asked for contact information for XXXX but the representative told me he could n't provide that information. 

I also explained that the certified letter I mailed them stated not to place any information on my credit report until the dispute was resolved. However, since this request was not obliged by Commonwealth Financial Systems in addition to the fact that I still have no information in regards to the debt I let the representative know that I would be filling a complaint and ended my conversation.

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: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Ability Recovery Services, LLC
State: DC

Complaint narrative:
XX/XX/2009, I went through a divorce my husband took everything. Looking to better myself I signed for some online courses. Came across the online school XXXX XXXX. I spoke with a representative, ask questioned like was the school accredited?. All my questions were answered falsely. They told me school was accredited. Signed up and I found out the next day, that the school was not accredited. I was not happy about that and I called to cancel my classes. I was told that my classes would be cancelled since I have been in classes for less than 7 days. They told me I could withdraw as long as XXXX % of the course work was not completed. If I recall correctly I only completed XXXX % of the work. I attended another local university and never logged on again. Now I am in a position to buy a home and this XXXX XXXX XXXX is on my credit report preventing me from doing so. I have called XXXX XXXX they told me they sold my account and have no information of my case. So I called the collection agency and they told me that they only have records of me attending for the one day noted above but they could not take it off my credit report and I need to pay them the XXXX. 

If I had in fact completed that course I would have no problems paying the money, But I did n't. Furthermore it 's really sad that organizations like this exists praying on the weak and less fortunate. Who in there right mind would spend time and money on a course that is not accredited and you will not be able to gain employment afterwards?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
I have received XXXX calls recently from Ability Recovery Services their number is XXXX. Apparently an XXXX XXXX in XXXX gave my phone number. As a contact number for here dentist`s office. And has not paid her bill. I explained that I do not know of any XXXX XXXX. And that my wife and I reside in XXXX. But they just keep bothering us!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
This company, ABILITY RECOVERY SERVICES , LLC was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report. Ultimately resulting in Defamation of Character.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
I recently paid off home loan due to re-fi. with other lender XX/XX/2016. I over paid on escrow account. I received a letter from Di tech advise of over payment and that I would receive a hard copy of refund check in mail with in 20 days. I never received this check I called DItech customer service center twice in month of XX/XX/XXXX. I was told that I would have wait 30 days to have them reissue check. I called in XX/XX/2016 advised that I still have not received over payment of escrow check. I asked for supervisor to complain was told that Ditech would reissue another check within XXXX business hours. It is now XX/XX/2016 and I still have not received this escrow refund check for over payment.

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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I had a mortgage with XXXX for at least a dozen years. A couple months ago, they transferred it to Ditech for servicing. I am not, nor have I EVER been late on my payments, yet every communication I receive from them tells me " this is an attempt to collect a debt. '' I sent them electronic correspondence about this on XXXX/XXXX/16 ; a month later I got a letter stating that they were still researching and I would get a response soon. When the response finally came it was a generic " Apology '' letter that said : Thank you for bringing this matter to our attention. We regret any dissatisfaction you felt regarding the service provided. Please be assured, appropriate department management has been notified, and has addressed the issue accordingly. '' And at the end of the letter was the " this is an attempt to collect a debt '' disclosure. It 's obvious that my complaint fell on profoundly deaf ears. Is Ditech allowed and/or required to tell me that, even when I 'm not in arrears? A customer service rep told me that a mortgage is a debt, so they can say that even when payments are current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Mortgage servicer has not applied over XXXX worth of mortgage payments

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
in 2007 I refinanced my house for 15 years with XXXX XXXX XXXX, my payment is {$2100.00} for principal and interest only, I have not escrowed since 2007, I pay my own insurance and my own taxes since then with no issues. I have received noticed of an escrow analysis that was performed on my account recently, I 'm pretty sure there is a mistake as this particular servicer has been making them ever since they took over a year or so ago, I do not engage with them as they never know or claim to not know what is going on. please help, as per my closing documents, I DO NOT ESCROW. thanking you in advance for your cooperation.

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: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
I filed a complaint with Consumers Financial Protection Bureau ( case number : XXXX ) on XXXX XXXX, 2016 that I received a letter from my bank, Ditech that they are going to foreclose on my house even though I was working with them on loan modification. CFPB sent me a message that Ditech asked for an extension in responding to the complaint. Before responding to the complaint filed with CFPB and while in the middle of a loan modification, they put my house for sale at an auction and it was sold to XXXX. I really need your help as soon as possible. I want to work with the bank, I do n't even know what to do now. Whenever I call the bank they respond that they do n't understand whats going on and they need more docs for the loam modification. I message was posted on my account after the house was sold that they are looking for XXXX documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I am writing to request your assistance in getting the PMI off my mortgage loan. 
In XXXX, with the help of my family, I bought a home for myself ( a single mom ) and three sons The mortgage was in the name of XXXX & XXXX XXXX ( my sister and brother-in-law, with my name on the title ) ; the amount of the original mortgage was {$120000.00}, including home owners insurance, interest and PMI. 
At the time of the closing, we were told the PMI would be automatically dropped once I established a consistent, timely, and good payments ; probably within two years In XXXX, the housing market fell, and like many homeowners I now owed more than my house was worth Unlike many homeowners ( or banks ), I did n't walk away from my responsibility I kept making payments However, now the PMI had a new rule : the house had to be paid to 20 % of its original worth, in order for the PMI to be dropped. Since my house was now worth little more than half of what we originally paid, this goal was no longer an option. 
In XXXX, we refinanced {$97000.00} for a lower interest rate The lender was Green Tree Servicing LLC, XXXX, XXXX , XXXX XXXX, MN XXXX Account # XXXX. Again we were told the PMI would automatically come off after a history of payments was established. After refinancing, we also put an upstairs addition on the house, adding XXXX bedrooms and another bathroom, paid for with my own money. 
In XXXX, my loan was sold to and is currently : Ditech, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX. Monday-Friday XXXX ; Saturday XXXX XXXX Account # XXXX. 
My Mortgage started at {$120000.00} today the balance is at {$77000.00}. In fourteen years, I have not missed a single payment, nor was I a single day late. In fact, for the past two years, I have been putting approximately {$100.00} extra a month on the principle of my loan. 
This time when I called to have the PMI removed, I was told I would have to pay {$1000.00} to have one of their appraiser 's come out to access my home. This is almost equivalent to a year of PMI! My understanding has always been that the lender would drop the PMI automatically, when the balance of my mortgage fell to 80 percent of the original value of my home. 
I feel victimized. There does n't seem to be an end to the PMI on my mortgage. The finish line keeps getting pushed away. The rules keep changing. 
I would greatly appreciate your assistance in this matter. If you need additional information please call me at ( XXXX ) XXXX. Or email me at : XXXX. 
Is n't it odd that my mortgage was sold to a company that exists at the same address as the previous company?? 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
Have contacted Ditech for escrow refund ( home has been sold ) three times. No email replies to online request. This company never replies to any customer requests. I have to go out of my way to contact them for anything needed. The company lacks any type of customer concern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Greentree Mortgage treated us terribly. They harassed us with phone calls, rude phone calls and did'nt get back to our phone call questions. We ended up having to do a short sale because they threatened foreclosure. Then they stalled the short sale and kept asking for more money. They took out Homeowners Insurance which we already had and that left our escrow short. it was a horrible experience. We no longer have this mortgage company want it to be known.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
I have had a mortgage with Ditech XXXX since XX/XX/XXXX. I paid my mortgage each month using my XXXX. I have never been late or missed a payment. In XX/XX/XXXX, I logged on to my account at Ditech Financial 's website to check my property tax distribution only to find out that my account had been cancelled. I called Ditech Financial 's XXXX number which provided me an automated response informing me my account had been sold and advised me to contact a new XXXX number. I called the XXXX number as advised, and reached XXXX, I spoke to a representative there who advised that Ditech and sold my mortgage to XXXX in XX/XX/XXXX. I did not receive any sort of notice or phone call advising that my account had been sold. Please note that I had been making payments to Ditech after the account had been sold to XXXX. ( XX/XX/XXXX - XX/XX/XXXX ) The representative at XXXX told me that Ditech had forwarded my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments to them but not the XX/XX/XXXX payment. I am currently showing delinquent on my XXXX account and have been reported late to the credit reporting agencies. My XX/XX/XXXX payment to Ditech XXXX cleared my credit union account on XXXX/XXXX/XXXX in the amount of {$1400.00} and according to XXXX has not been forwarded on to them. I have now contacted Ditech Financial numerous times to assist me in locating my payment and have been advised that they sent it to XXXX but needed to do further research. It has been almost XXXX weeks since I first contacted Ditech regarding my XX/XX/XXXX payment. In the meantime, I am receiving collection calls almost daily from XXXX and, as I mentioned before, am past due and am getting no where with Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
Our mortgage was sold by XXXX to Ditech around XX/XX/2015. XXXX had paid or annual taxes from our escrow account prior to it being sold. Ditech then also paid our taxes for the year resulting in a double payment. We received a refund check from our taxes being overpaid by the county and were confused. When we called XXXX to inquire, they informed us that our mortgage had been sold. We had no idea. There was absolutely no communication on XXXX or Ditech 's behalf of this move. We then called ditech to see let what was going on. They said to send them back the check, which we did. They then proceeded to charge us twice the amount for our escrow the following month. Our mortgage payment was on auto-deducted out of our account. In effect, our mortgage payment was almost {$600.00} more than usual. We, of course, were expecting our regular mortgage payment to be deducted from our account and were not prepared for an extra {$600.00} coming out which resulted in overdrafts and fees. We immediately called ditech to fix the situation. They said it would be fixed in 8 days. 5 months later it has still not been resolved or fixed. They keep billing us {$600.00} over our regular mortgage payment and refuse to fix the situation. We have called repeatedly, had to explain things to each new person over and over. No one will actually help us. They keep telling us it should be resolved in 8 days but when we call to follow up it is never fixed. Throughout this process we have been paying our regular mortgage payment because we have no idea what else to do. They are now treating us as if it is our mistake and sending us 'loss mitigation ' letters, putting notices of non-payment on our door and acting as if we are delinquent on our mortgage payments. We do n't think they have officially reported us to the credit bureau but we are concerned that they will. We have pursued a lawyer 's help but would rather not go through the hassle and expense. We are at our wit 's end. We have tried to refinance with another bank but since our mortgage is less than 2 years old we have little equity. We have also requested to handle our own escrow account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation