vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
DITECH Financial LLC, mortgage servicer of my XXXX loan, is in noncompliance with Recasting my loan that I qualify for after meeting all six year requirements ( per directive of Dodd-Frank HAMP {$10000.00} principle reduction incentive ). Since XX/XX/2016, DITECH has delayed implementation of my Recast. I have filed nearly a dozen complaints with DITECH as well as with XXXX and my US House of Representatives -- The Honorable XXXX office. Please help in getting DITECH to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I had insurance claim money for home repairs held hostage by mortgage company XXXX XXXX. XXXX turned over all funds to Green Tree. I attempted to recover funds from Green Tree in order to complete insurance repairs and pay contractor. Green Tree acknowledged possession of funds and also exhibited a willingness to help. I was given instructions from Green Tree Rep on how to obtain funds.The instructions were to have my contractor call Green Tree and arrange for a disbursement. Rep said he needed a tax number from contractor to proceed. Contractor said he could not communicate with Green Tree because they were reluctant to negotiate with anyone other than owner of property. This was disconcerting because I realized that I was now going in circles. My next communication with Green Tree was a failure because reps did not understand situation. They were abusive and forthe most part unwilling to help me arrange this transaction. Rep hung up on me each time I called. From this point I could not get a positive communication with Green Tree 's customer service center. Communication was negative. I was hung up on, lied to, disrespected and disregarded.My wife experienced similar setbacks. Now my mortgage company is Dytech. This lack of availability has caused my contractor to cancel and break contract and negotiations. I am now suffering abuse at the hands of the contractor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I have an FHA loan that was being serviced by Greentree servicing. Greentree servicing has since changed to Ditech. Neither company paid the XXXX/XXXX/2015 tax payment that was due. I called on XXXX XXXX, after receiving a delinquent tax notice. I then faxed the notice and the original tax bill to Ditech. As of XXXX/XXXX/2015, the tax is still delinquent, and interest is accruing on the account.

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 2016-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
issue-1 Our loan was sold to Green Tree/Ditech in XXXX 2015. In the transfer, somehow, the monthly amount that we were to pay was reduced to an number that did n't replenish our escrow account. Ditech never notified us, and just recently sent us an " account evaluation '' showing that we are in the negative with our escrow, and raised our monthly payment by almost {$500.00} to start immediately. I contacted them on XXXX XXXX, filled out the online form to cancel our escrow account, and followed up with a letter, sent to the address their rep gave me. I got an email saying that they would review this and get back to me within 10 days. It 's been a month and no word. Our payment would be late on XX/XX/XXXX, so I emailed them in advance and let them know that I 've cancelled our escrow account, and would only be paying the principle and interest, then made that payment on time. Now, they took that money and put it into a " suspended account '', and charged me a late fee, as if I did n't pay at all. 

Issue 2- When we were first sold to Ditech , we only had the option to " XXXX '' or auto withdrawal every month. I choose auto withdrawal. Four months later, I get a notice of default, because somehow, they deducted less than the full amount of our payment, never notified me, charged a late fee, reported it to the credit bureau. I contacted my bank, and they have no idea why that would have happened. I paid the full amount due, and appealed to Ditech to waive the late fee and not report it to credit. They promised a written response within 30 days.75 days later, they denied XXXX requests. Meanwhile, I have paid the late fee XXXX times, and it is STILL showing on my statements. I believe that they have been taking that fee and applying it to the escrow shortage, but, again, never informing me. 

So, now I have a total of {$7000.00} and change due on XX/XX/XXXX. They have failed to cancel the escrow and are still charging for that plus XXXX late fees. I fully expect them to put me into default again soon.

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 2016-09-15 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: FL

Complaint narrative:
After reviewing my personal credit file with XXXX I discovered a collection agency by name of Commonwealth Financial Systems. Inc.. Original creditor : XXXX XXXX XXXX. XXXX. Just a few minutes ago I reached out to Commonwealth Financial to find out why they are reporting negative item to my credit report. After reviewing invoice company sent to me in the mail I discovered they are attempting to bill me for services or hospital visit. I never I was never admitted to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2012. I disputed this item with XXXX more than 30 days ago and it was supposedly verified that the item is valid.. When speaking to creditor I asked them to provide documents to me to proof I was admitted to hospital. The representative from company stated they do not research or validate collection items and that XXXX is responsible for contacting hospital to obtain documents. This company clearly did not validate this item with XXXX or provided them or me with no documents to validate this debt. 

This creditor must validate that I owe this debt. XXXX has already given them more than enough time ( 30-60 days required by law ) to validate this item which they chose not to do

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I called the Chase credit card department ( XXXX ) and asked this question : " how can I tell when an online payment from a bank has been processed, settled, and there is no chance for a return, cancellation, or stop payment on the transaction? '' I was told that the process normally completed within XXXX or XXXX days, and I could tell when the status changed from " pending '' to " completed '' and my credit card balance reflected the payment. Based on this understanding, I made purchases for a company who provided me their XXXX checking account number and routing number. After seeing the payments go to a " completed '' status, I provided the company the goods made from my purchase using my personal credit card. Now all of the payments made over a XXXX week period are being returned. The company will not take my phone calls or return my emails, and Chase expects me to pay the debt with my funds. I believe Chase gave me incorrect information ( verbally and from their website ) and bears responsibility for this fraudulent scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 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: MO

Complaint narrative:
I just called Navient today, XXXX/XXXX/17 to see if there was a way to lower my monthly payment as I am in XXXX. I was told the pay as you earn could lower my payment and still qualifies for Public Service Loan Forgiveness, repeatedly. I did some research online and called back to make the change to the new payment plan. A different operator said I was given bad information that my loans do not qualify for the payment plan and in fact most of my loans do n't qualify for public service loan forgiveness. In tears I hung up with the operator. I have been paying on my loans for about 4 years and have never been told my loans do n't qualify for PSLF. In fact, I have asked and been told they do. I have had numerous conversations with Navient about PSLF regarding loan qualification, qualifying non profits, breaks in payment, details on filling out the PSLF form, etc and they have never told me my loans do not qualify for PSLF until today. For my loans to qualify now I would have to consolidate them but it will start my 120 payments over from the beginning. Nobody ever told me this and I asked about it repeatedly over the years. I am waiting on a report from the third person I spoke with today, but I have paid well over {$9000.00} and they now tell me very little of it will count towards Public service loan forgiveness. I am not even sure what type of loans I have now but only XXXX small ones are direct federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from COMMONWEALTH FINANCIAL. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against COMMONWEALTH FINANCIAL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I went to Regions Bank on XXXX XXXX 2016, to make a deposit from the sale of my XXXX and my tax refund check. I prepared my deposit slip at home and drove to the bank drive up window. They were extremely busy and the teller, XXXX, was working the drive up window plus XXXX additions drive up lanes that were serviced by tubes. The teller took my money and counted it, I also counted it with her through the window. After a little while she go up and took my money away from the window and out of my view. She later returned and said {$1000.00} was missing. I informed her it was all there, I counted it at home plus I had counted it while watching her count in through the driveup window. The manager, XXXX came over and said she would count XXXX money drawer for the missing money. I watched as the money drawer was counted and afterwards told XXXX the money disappeared when teller XXXX left the drive up window area and my field of view. Manager XXXX gave me a business card with a Region 's investigators name XXXX on it and said he would call me on Monday XXXX XXXX. XXXX gave me my deposit ticket showing my {$6700.00} deposit back to me with the bank stamping on the back side of it. 
It is now one month later and no one from Regions Bank has called and talked to me. I have called Regions corporate headquarters multiple times trying to get a answer to my deposit incident on XXXX XXXX without success. I did receive a letter last week from XXXX to call him to resolve the problem. I have called him twice but he was not in and I have left messages but he has not called me back. 
I have been a Regions customer for approximately 40 years and have never had this problem from them. I am seeking your assistance for my {$1000.00} that Regions misplaced/lost.

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 2015-04-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
Response from XXXX XXXX XXXX XXXX, 2015 I have not and do not abandon my property. 
I am still in dispute with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Green Tree, XXXX XXXX XXXX and all other associates, remove lien, stop harassing us, cease and desist. 
I do not agree to pay any legal fees. 
I have never paid Green Tree at any time stemming from this invalid loan and servicing that is not in good standing. Statements from Green Tree never included XXXX XXXX name. This is my home. My XXXX adopted children will not be on the street for their greedy scams. We are victims of XXXX, Robo signing, Falsehood, XXXX, force -placed insurance, and other violations. 
I have estimates up to {$48000.00} to get the roof put on right. I have a {$140000.00} estimate to have my foundation under floors fix right. Plus all other maintenance and problems. Nothing in here is grade A materials, but by or XXXX, XXXX and money, we made it a home for our children. You show paperwork, we did not sign. Harassment phone calls and drive by people harassing, sitting out by the yard, and then knocking on my door talking about they walking around the house for Green Tree. Stop harassing us, cease and desist. 

cc : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Green Tree, XXXX XXXX XXXX and all other associates ; Included : * Consumer Financial Protection Bureau case # 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Dispute Letters to XXXX XXXX XXXX , XXXX. 
*Dispute Letters *Estimate *XXXX Letter *Green Tree Statements * More available Documents Upon Requests ( Including, Independent Review and Forensic Audit ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MS XXXX XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ETHOS LENDING LLC
State: CA

Complaint narrative:
We have completed refinancing with Ethos Lending and made our first mortgage payment ( {$3000.00} ) to Ethos Lending on XXXX/XXXX/2016, prior to the due date on XXXX/XXXX/2016. After making our first payment on XXXX/XXXX/2016, we received a letter saying the loan has been transferred to a new lender, XXXX XXXX XXXX, and we should make the payment directly to XXXX XXXX XXXX for the mortgage payment that is due on XXXX/XXXX/2016. However, we already made the payment to Ethos Lending on XXXX/XXXX/2016. Obviously, the new owner of our loan failed to notify us within 30 days of the effective date of transfer. Between XXXX/XXXX/2016 and today XXXX/XXXX/2016, XXXX XXXX XXXX keeps calling me via my personal phone and work phone and asks for payment many times, despite I told them repeatedly that I already made the payment to Ethos Lending on XXXX/XXXX/2016. Yet, Ethos Lending keeps delaying my payment to XXXX XXXX XXXX, despite Ethos Lending previously agreed in its e-mail to forward my payment prior to XXXX/XXXX/2016. XXXX XXXX XXXX continues to make harassing phone calls and severely bothers my daily lives. On XXXX/XXXX/2016, I arranged a conference call between myself, XXXX XXXX XXXX, and Ethos Lending. During the phone conference, XXXX XXXX agreed to forward the payment by XXXX/XXXX/2016, and XXXX XXXX XXXX agreed not to make harassing phone calls to me. However, after the conference call, I continue to receive phone calls from XXXX XXXX XXXX about the late payment. Those phone calls stressed me out. XXXX XXXX XXXX threatens me about how my late payment will affect my credit, and they told me I should keep pushing Ethos Lending to forward the payment. 

Beginning XXXX/XXXX/2016, my loan will once again transfer from XXXX XXXX XXXX to XXXX XXXX. My initial payment of {$3000.00} does not reflect on XXXX XXXX statement. XXXX XXXX XXXX continues to call me about the late payment. Ethos Lending does not pick up or return my calls. What can I do? Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I gave a personal check to my daughter to cash, she does not have an account with Bank of America, she went to BOA in XXXX NC to cash the check. 
My daughter told me that when they were looking at my account they gave my daughter full view of my account details and she is not on my account and to make matters worse her boyfriend was there and saw my account as well. My daughter said anyone standing behind her could see my account as well on the big screen they had. This is totally a violation of my privacy of my bank information. I do n't think this type of behavior should be not addressed as identity theft is on the rise, etc and I think the bank should be fined.

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 2015-04-14 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: ARVEST BANK GROUP, INC.
State: AZ

Complaint narrative:
My loan was sold to Central Mortgage in XXXX of 2014. At that time I requested a due date after the XXXX because the majority of my income comes from XXXX and I have a better sense of what I 'll have in income during the last XXXX weeks of the month. Do I have accrued monthly late charges and unrelenting phone calls outside of normal business hours. The fact that they are aware of the entire situation leaves me perplexed. Please have them stop the harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I 'm receive letter from Ability Recovery Services LLC,, with false Account #, Amount and Debt. I do n't have any business with this company or XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 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: FL

Complaint narrative:
This debt is from 2016. I never heard anything about this from XXXX XXXX Hospital or any other agency until 2016. I called XXXX XXXX Hospital and XXXX XXXX XXXX and neither have any record of the debt and say they do not use this collection agency. I sent a letter to Common Wealth requesting documentation of the debt. They did not respond. They keep reporting it to my Credit report causing damage! I feel blackmailed into paying this just to stop the damage to my credit! Can you help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
Good evening. 
On XX/XX/XXXX, Ray Klein Inc. filed a writ of garnishment against me for {$1500.00}. I just received notice of my companies intent to withhold all or a portion of this amount from my XX/XX/XXXX paycheck. 
Upon research I discovered that the majority of this collection is from my estranged wife 's medical debts. They combined several of my small debts with her big ones and filed against me. 
I was never served. I called them on XX/XX/XXXX and they said my estranged wife received the papers at her address. They said they had the right to collect her debts from me as we are married. It took me 30 minutes to get to the proper person to verbally explain the nature for the debts they are collecting. We have been separated, living in different homes since XX/XX/XXXX. She filed for divorce on @ XX/XX/XXXX. It is not final yet. 
My complaints are as follows : A ) I was never served prior to adjudication so I had no chance to respond. They say they served my ex but she says they did not. 
B ) I have received no written information of the nature and source of the combined debts they are collecting. I have not had the opportunity to determine whether the debts are valid or mine as I never received advance notice. 
C ) I should not be held liable for debts my ex has incurred since our separation. 
D ) The amount they are having garnished from me on the XXXX of this month will cause an undue hardship. 
E ) I have never lived at the address that they say they served. ( My former wife 's ) Please let me know what can be done to resolve this issues.

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 non-monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
XXXX was the owner of a prior debt. Five days after I settled this debt the same account was sold to another debt collector. The new debt collector Commonwealth Financial refuses to remove debt from credit report.

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