vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
My mortgage was transferred to Green Tree Servicing in XXXX, 2015. It was at this time I found out an escrow account had been placed on the loan by XXXX ( the prior loan carrier ). I contacted XXXX and showed proof I had home insurance and they immediately flat-cancelled the policy and refunded escrow fees to Green Tree ( since they now had my loan ). Since that time I have been trying to get Green Tree to cancel the escrow and refund all escrow fees. I called in XX/XX/XXXX and they asked for copy of email from XXXX showing the insurance was flat-cancelled. I mailed that in but still no resolution from Green Tree. Green Tree has NEVER responded to me except for canned email responses which say it takes 30 days to respond. I have kept copies of all emails and letters mailed to them.

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 2015-12-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC
State: KY

Complaint narrative:
XXXX The company got this debt from XXXX. I asked a for copy of the original bill from XXXX and was told that I would recieve it in 6-7 weeks because it was in a storage warehouse somewhere. That was XXXX XXXX XXXX and today is XXXX XXXX XXXX and I called to ask why I never recieved anything. I was told that it was sent to the wrong address, however she had my current address and saw notes from the XXXX XXXX conversation when I confirmed that they had the correct address. XXXX this debt is from XXXX from an account that the time I disconnected due to moving. I gave XXXX a forwarding address to send a box for me to send back the equipment however I never recieved that box until XXXX of XXXX. I sent back the equipment and recieved XXXX refund checks for overpayment. And in a statement I recieved from XXXX on XXXX XXXX XXXX I recieved a " Revised Final Bill '' and amount due was {$.00}. That same statement shows XXXX of the refunds. So this debt they 're trying to collect which XXXX itself told me didnt exist was already taken care of before being reported to the current collection agency. This account charged off in XXXX and was reopened in XXXX. My credit score has severely suffered and affected my ability to buy a home and recieve a good interest rate on anything else. I have original document from XXXX and even have the original order number show what services I ordered. The only excuse the collector gave me is saying that I had XXXX accounts with XXXX indicating that i had separate services when my original purchase order and ALL documentation I have shows " XXXX Triple Play '' and only XXXX account number which does n't match the XXXX on the collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Both my deceased husband and I have asked every company, like Green Light for information about reverse mortgages. We then later found out that people who were with Green Light were loosing their homes ; frantically scared we immediately changed to XXXX Mortgage. Once in XXXX Mortgage, we were promised from the beginning that if anything happened to my husband I will be granted to stay a year in our home. An agreement that we had was for a free consultation, which failed to happen. My husband has since passed away, and XXXX Mortgage transferred the mortgage to Champion Mortgage. I have called for months on end for the MOE Assignment to be transferred to the HUD, yet no one has returned my phone calls, leaving my house to foreclosure. I was given an extension of two 6 months, totalling for a year. I had continued calling the companies in order for the extension of 6 months to go through, but the companies who are assisting this case are not properly following steps for it to take place. Thus leaving me helpless. I was never sent any papers, and the price of the reverse mortgage is extremely high. I was never told there was going to be a lean in the house as well as that when my husband passes I 'll have to pay {$1000.00} each month. I 'm having to spend extra money for legal assistance, I 'm desperately seeking help on this case in any way/ I feel very discriminating as an individual having to go through such things with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I Have a second mortgage that was sold to GREEN TREE/DITECH. This account was sold several times. IT IS XXXX XXXX XXXX XXXX ACCOUNT. Many of my payments went unreported. I asked for loan modification from Green Tree, they told me no. They did not give me any option but NO. Green Tree has tried everything they could to foreclose on my home. They put my number on auto dial which is robo calling. They call my phone many times a day. I have worked hard and paid my bills and my mortgage. The balance barely went down after paying all of the years that I have done so. This is wrong. Now I find out that Green Tree is Ditech. I am writing you for some type of justice with this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EDvantage LLC
State: CA

Complaint narrative:
I made payments to Tuition Options for a loan not covered by XXXX XXXX as explained by the financial department by the now Closed XXXX XXXX in XXXX, CA. I personally XXXX payments of XXXX and XXXX payments of XXXX. I called Tuition Options, and they said my account was now closed and they did n't know how or if I would get my money back. 
I received a letter saying my student loan would be discharged and payments that I had made to XXXX would be refunded. Well in XXXX I was refunded XXXX payments of XXXX, and XXXX payment of XXXX. I called the department of education in XXXX, CA, The Bureau For Private Postsecondary Education, Consumer Financial Protection Bureau, and the Student Aid Commission. Each one of them could not do anything for me. They all had me call other numbers. I explained that the school was now closed, and no one seemed to have an answer for me. Since I received refunds from my big student loan, why ca n't I received a refund from Tuition Options. Their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I went through a credit consolidation company to reduce my debts, the program was to be be completed XX/XX/XXXX. Instead of closing my account with Capitol One, Capitol one took the payments that were issued to the agreed account, after it had a XXXX balance and applied them to my other card. The card that had payments placed to it was not in the consolidation and caused my account with the consolidation company to remain open, where I incurred service fees monthly. At no time was there any arrangement to pay on any other account, only the 1 that was listed in the consolidation contract. I feel strongly that this was a breech of contract with Cap.One and highly illegal. At no time did I approve my payments to go to any other account. The accounts, including one in my wifes name, were receiving payments. The consolidation loan was only in my name, so not only did Cap. One make payments that were directed to accounts not in the consolidation agreement they applied money to an account that was n't in my name. I have contacted cap one and their response was it is in their practice to take over payments and apply them to other cards. ABSOLUTELY NOT! That can not be legal. A consolidation company works with the debtors to drop interest and reduce the payments, the open accounts had not been included in this. Had this account been paid off my consolidation payments would have finished XX/XX/XXXX for all the companies in my debt consolidation. being that it was not, I had several months where my payments were being divided between Cap one and a separate debt. So not only did I pay out XXXX months of unnecessary service fees it lengthened my pay off to the other account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
We received a notice from Commonwealth Financial Systems ( CFS ) regarding an unpaid medical bill. Upon contacting the purported medical service provider and providing the original account number listed on the letter issued by CFS I was informed that no such account number existed. 

I contacted CFS and the employee identified himself as " XXXX XXXX ''. However, the name on the letter issued by CFS was " XXXX XXXX ''. 

Commonwealth Financial Systems lists the following address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Company did not give me the opportunity to dispute the debt they hold in my name. They placed the debt on my credit report 14 days after I received thier letter. I wrote them and told them I will be dealing only with the original creditor and that they need not contact me anymore unless they are taking legal action. I sent the letter certified and will provide the information if needed. I also said I dispute the amount and that was why I will only deal with the original creditor, which is my right, by law as I do not have a contract with Northeast, I also do not have one with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 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: NY

Complaint narrative:
Commonwealth is trying to collect a debt from me for XXXX XXXX XXXX XXXX. I contacted original creditor in 2014 and they sent a letter to Commonwealth that the debt did not belong to my SS # and to remove all debt from my acct. Commonwealth did so. However one year later they put the debt back on my account. I called them and told them it was a mistake, they agreed it was and told me to dispute it. I have disputed it but it keeps coming back on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Ray Klein, Inc.
State: AZ

Complaint narrative:
I have a public record reporting on my credit report that the debt was not paid. I have a release settlement letter dated for XX/XX/XXXX that was paid and settled. It continues to appear on my credit report as a Judgement. I called a month ago and XXXX XXXX had the letter of settlement on file and as of today it is still on my Public report. I have been turned down for XXXX because they have not removed it. the reference number is XXXX. I have another XXXX on my public record for the same thing XXXX agencies also a medical debt that was satisfied in XX/XX/XXXX still showing on public record for XXXX XXXX and needs to be removed. the reference number for that is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: NM

Complaint narrative:
This was previously submitted and I received my XXXX control number meaning that you have received all of my articulate and lengthy response. My case number is XXXXfor some reason no matter how many times I have. Submitted my responses I am prevented by this website to proceed with the remainder of the form. If consumers can not submit serious issues. Through you site efficiently then we have no way to submit our very serious violations

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Debt Management Incorporated
State: MA

Complaint narrative:
I was XXXX and taken off a highway by XXXX, state police found me not at fault, Auto insurance miss this nill and now the company is wrecking my credit, They have all the ins info but they choose to to hurt me instead, I have documents to prove my words..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
I saw this doctor in XX/XX/2011.My bill was paid in full. Now, six years later wtih no subsequent communication from the doctor this collection agency claims I OWE this bill. I asked for an itemized bill and clearly protested this bill saying I did not owe this money. They sent me a letter and " itemized '' bill. The bill is not on any letterhead that says where it is from. It says the amount is {$190.00} but at the bottom it says NO CURRENT PATIENT LIABILITY. 

The attached letter from the collection agency says the bill does not reflect my current charges and says the amount owed is XXXX. The letter also contains the following statement- '' the amount owed on the enclosed bill shows XXXX because your account has been charged off as a delinquent account. This does not mean that the amounts charged are not due, or that you have a XXXX balance. The amout due is reflected above in the current balance. This statement may not refect payments made either by you or any insurance comany after the service date. '' I do not owe the {$83.00} that Commonwealth Financial Systems says I owe. My credit report reflectss my 100 % ON TIME bill payment. They did not include anything from the physicians office with identifiers saying I owe this money. The bill they provided says clearly PATIENT HAS NO CURRENT LIABILITY. 

I am in the process of purchasing a home and this showed up on one of the credit reporiting agencies. 

They refuse to discuss this with me and will not listen when I tried to explain what the letter says. They say I owe this when I have nothing other than a letter from them saying I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX I was a victim of identity theft. The person at the time worked for me in my house. They passed away XX/XX/XXXX and I started receiving calls for accounts that I had never opened. I filed an ID theft affidavit with the FTC and a police report. Most of the collectors ceased collection attempts after notification. Professional Credit Service ( PCS ) has continually harassed me about this debt since XX/XX/XXXX even after they have been provided the ID theft affidavit and the police report. Now they have sent me a letter stating they are going to sue me because I have not responded. I am attaching XXXX XXXX showing that I responded XX/XX/XXXX and XX/XX/XXXX. I also filed the reports with the credit bureaus XX/XX/XXXX and had to have security freezes put on my reports. I do n't understand why they are still harassing me on a debt that is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Common Wealth Financial keeps contacting me about a debt that they say I owe. I have asked them for proof of the debt being mine. They keep telling me they have emailed me the proof and such. I have not received XXXX email from them. They keep calling my phone and when I answer they hang up, on a recent phone call they called me and I answered they wanted my SSN and date of birth which I do not give out to someone who calls me. I told them they have not shown me proof and the man on the phone said he has emailed me like 20 times and I told him he did not. He then said " this young lady on the phone is talking to me like she is my mother '' and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
Approximately late XXXX I was contacted by a company stating I was overpaid on my XXXX disbursement a few years prior. Not knowing whether this was a legitimate debt I responded back wanting an explanation. I was not contacted back. 
In XXXX XXXX I was sent a letter from Professional Credit Services stating I owed a debt of {$1000.00}. I responded back to them asking what this debt was concerning. They responded back and said I would need to contact Oregon XXXX as they were not sure. 
I explained to them that if they were the XXXX collecting they needed to provide me with the information as it was not my debt. 
I did not hear from them again until mid XXXX stating that I still owed {$1000.00}. 
I consulted an Attorney friend and explained what was going on. As I was not paying for his sevices he just gave me some direction. 
on XXXX I wrote the Following. 

To : Professional Credit Services I am requesting ALL documentation regarding this matter of {$1000.00} owed. 

Please mail all documents to my address, and allow me time for me an an Attorney could look them over to see what action should be taken. 

One week later they responded with a letter stating I would have to contact Oregon XXXX. 

On XXXX I wrote them back telling them being they had not provided me with any documentation, or any proof of this debt I was not taking any responsibility for this debt. I explained to them I had not had anything to do with Pers in over 10 years. 

On XXXX I received another letter stating I still owe {$1000.00} and to contact them. I immediately wrote them back stating I do not feel I am responsible for this Debt and I feel they are harassing me and if the debt is correct why has it taken over 10+ years and there may be statutes of limitations. I explained to them to either leave me alone or take me to court to settle this dispute. 

Today XXXX I received a response letter stating they want, my attorney name, phone and address. As I have not retained an attorney and do n't feel I should have to at my expense. 

Could you please advise me as to the direction I should take as I am fed up dealing with matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2017-03-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SQUARETWO FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX I filed a complaint against CACH LLC XXXX in regards to a debt on home title that was cleared in BK Chapter XXXX Court. They responded that it was going to be submitted in court to be removed. As of XXXX/XXXX/XXXX it remains on title and I will be forced to Foreclosure very soon as the bank is not wanting to wait much longer.

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 2015-12-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
According to a number of recent articles released today, such as ( XXXX ), Scottrade Bank as well as Scottrade XXXX was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade XXXX XXXX is the victim which means the hackings encompassed both Scottrade Bank and Scottrade XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
To increase the information available to me and the CFPB in investigating these matters, I kindly request that Scottrade provide me with all of the Exhibits referenced in Scottrade 's XXXX XXXX, 2013 letter. The Exhibits within the letter significantly advance my allegations mentioned above and the fact that Scottrade failed to provide them shows that Scottrade is actively hiding this information from regulators.

Company response to consumer: Closed