vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I 've attended and graduated from XXXX in XXXX, with what was suppose to be an accredited XXXX degree in XXXX. Only to my surprise I found out that my degree program was not accredited until XXXX, 18 months after graduation. ( A total misrepresentation ), The disbursement to XXXX for me to attend was {$18000.00} with payments to begin on XXXX ; I 've been making payments every month and on time since XXXX ' and my balance is still {$13000.00} today with Navient. I 've paid over {$34000.00} out of my pockets over the years, working various entry level jobs that was paying no more that {$9.00} - {$11.00} usd Hr. I was told and promised on may of occasions to not worry about paying my student loans because I would be making enough to pay back and maintain my livelihood ; Which was not true, because its been a struggle ever since I enrolled many years later.When will the repayment END.It felt wrong then and I feel wronged today, only because there is nothing I can do about it.I hope CFPB can reach a settlement very soon, so that I can move on with my life, and try to forget the many years of torment and threats of repaying an over priced student loan for a non-accredited XXXX degree program from the then XXXX SCAM!! featuring Navient and XXXX ponzi sceme.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
This is a supplement to Case No. XXXX : We have since received responses from the credit bureaus that Ditech said the credit reporting information was correct. Today, we received certified notices for homeowner counseling with a PAST DUE AMOUNT OF {$7400.00}. Ditech is obviously not recognizing the new contract that was put in place during bankruptcy and filed with the Court, and acknowledged by the Court. The credit reports now have " Charged Off '' and {$0.00} past due. A XXXX, 2015 statement also states charged off, and {$0.00} past due, and now a new statement showing {$7400.00} past due. This is truly unbelievable. Do I need to take my savings and sue this company? They are in breach of contract, and have obviously violated FTC rules, wrong reporting on my credit report as Charged Off, rather than Included in Bankruptcy, and states {$0.00} due. So, technically it looks like on the credit reports we do n't owe anything. How can a company do this to people. They depend on their attorneys to have political clout within the court system, but hopefully I can locate someone to sue them in Federal Court where the playing fields are somewhat more level. I feel sorry for people that dont understand their rights, but unfortunately to exercise your rights, it takes a lot of money, which I do n't have obviously having gone through bankruptcy. Please advise the status of any assistance you can provide.

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 2016-08-02 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received a response from account of Amazon Chase and was told that they would recommend reactivating my credit card once it was in good standing. The account is now paid up to date and has yet to be reinstated. I received a letter from XXXX XXXX who stated that the company would be happy to reinstate my card. It has been a month and I have called XXXX XXXX several times and she is always on the phone and wo n't speak with me. I believe that I have been lied to and would like a apology and my account reinstated. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I spoke to XXXX of green tree representatives on XXXX XXXX XXXX, 2014 about the annual escrow acct disclosure statement in reference to the PMI on my loan I recieved. According to my original documents with XXXX my PMI should be {$120.00}. However the loan was sold to Green tree. About XXXX months ago I noticed that Green tree is deducting out my escrow acct {$220.00} which i never agree to pay to Green tree, I have the supporting documents of what i signed in referance to this loan and the terms of the PMI. I would like this to be taken care of as soon as possible, as it stresses me out to think that Green tree is XXXX me off. I have asked and i expect a refund for all this time that i have been paying the wrong amount. I called Green tree a handful of times about this issue i have also fax them a letter showing my supporting documents and dont believe that now after more than 60 days of calling, and writing to them and this has still not been taken care of. It is Now XXXX XXXX which is more than enough time since this was brought their attention! This is XXXX more attemp to try and get a honest and fair response. I dont believe green tree is handleing this in a professional manner and I am very disappointed at not getting any responce at all about this matter. In all honesty it is looking to me that green tree has made a mistake here and is not ready to fix it and compensate me because if its was something i did owe on PMI they would have brought proof to me quickly. I would appriciate any kind of attempt to fix this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
To whom this may concern, I usually make my payments via bill pay from my bank, so this way, I wo n't be late. XX/XX/XXXX, due to a change in escrow account, the usual payment that I 've made went straight to principal instead of being counted as a payment. And because of my bill pay, I do n't look through my statements every month. I did n't realize there is an increase in my Escrow account till XX/XX/XXXX, which is already too late. They have already added a 30 day late on my credit report, and may be a XXXX one. 
I tried calling Ditech mortgage this morning to explain what happened and they would n't reverse what has been done and said their credit department can not reverse it because it is not caused by Ditech.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Innovis
State: CA

Complaint narrative:
Innovis is reporting wrong information on my credit report that must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My home loan was sold to a company called ditech. In our initial letter about the transfer it says expressly that because we were enrolled in autopay with the previous bank that would roll over and continue happening automatically. Needless to say, a month went by and we became concerned because that did not come to fruition. It also says under Federal law during the 60 day period of the loan transfer, payments may not be considered as late. Well, we have sent them a payment which I see debited from my checking account and I see in my ditech online account, and yet they are sending me letters threatening me already with foreclosure, claiming we have made no payment. I 'm not exaggerating, I 'm keeping records of everything. Also, they are maintaining we owe another payment for the month even though the payment we made is clearly in the account. I 've read XXXX horror stories about this company. How is the government not protecting the consumers here, and allowing this bank to continue its shady practices? This is a horrible feeling having no choice in the matter and being stuck with a bank this bad.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
In XXXX, XXXX I submitted a short sale application to Ditech. I was represented by a law firm. I submitted every document that Ditech requested to the law firm in a quick, timely manner. I submitted documentation, to the rep. for a total of 18 months. I had two buyers in a contract to purchase the home for the amount that was requested by Ditech. I am a senior who is facing expensive medical issues many of them are due to the stress that was associated with the long drawn out process of being denied to short sell the property. 
I have been in a financial struggle for two years. In spite of having two loan modifications, it was not feasible for me to keep the property secondary, to expensive maintenance, and high HOA fees. I am retired and have been living on a fixed income for the past 8 years. I had the home on the market in XXXX & XXXX the home appraised at {$310000.00} I have two mortgages on the home. I could have paid the home off prior to the recession and would have satisfied both loans. I retired in XXXX and kept the home for eight years until it became too expensive for me to keep. The same home in the XXXX of where I resides did not lose value during the recession the home built by the identical builder is appraised at {$400000.00} today. This is truly unfair. My home 's value plummeted to {$130000.00} during the recession. The appraised value today is {$160000.00}. 
Ditech, decided to foreclosed on the property on XXXX XXXX XXXX. I was never given a reason as to why the home was foreclosed on. I have an unheard of credit score. I have never paid a bill late or missed one. Ditech did not take my credit score into consideration. I have been treated unfairly by Ditech, for almost two years.There is no justification for not allowing me, a XXXX retired, widowed senior, who served this country for over 40 years as XXXX am a XXXX, my home which I invested my life savings into should have never been foreclosed. Now my credit record is ruined. I have requested a Deed-in-lieu however, I was informed that it is too late for Ditech to stop the foreclosure. Green Tree formerly, Dietch was fined {$63000.00} XXXX dollars in XXXX, XXXX for mistreating customers. They reorganized and changed their name to Ditech and the unfair treatment of customers, continue. I am requesting that CFPB conduct an investigation against these destructive practices that Ditech is employing against innocent American citizens especially seniors. 
Please protect me. 
Respectfully,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I am losing my home I am trying to get a loan modification but Ditech say they are not getting my paper work I have faxed them every thing they said that they needed this has been going on for two months this company is not trying to work with 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 2015-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
Green Tree the second lien holder for my home loan continues to be a stumbling block disallowing me the opportunity to take advantage of the HARP program and refinance my primary mortgage at a lower interest rate. I have tried to refinance XXXX times now. I applied this last time in XXXX of 2015 with XXXX, they have requested subordination from Green Tree, who charged a fee. XXXX XXXX paid the fee and have yet to receive the subordination requests despite several phone calls from the loan officer and myself. Today XXXX/XXXX/15 Green Tree informed XXXX XXXX that the request was canceled but could not answer why, yet they cashed the check. This seems unethical and unjust that the second lien holder is prohibiting me from taking advantage of the HARP benefits to include lowering my primary mortgage interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: DC

Complaint narrative:
I have been working with Greentree, now Ditech as the second lender on a short sale since XXXX 2015. We received approval from the XXXX lender in XXXX 2015 and this was forwarded to Greentree along with a full short sale package, then resubmitted on XXXX XXXX, 2015. For the next 28 days I have submitted and resubmitted the same documents no less than 3 times with no comments or response to the documents until after my approval from the XXXX lender expired. on XXXX/XXXX/15 we were advised by email that our file was closed because we did not submit the documents that had been requested within 30 days. I have all of my outgoing emails to the nongse email address verifying that all that was requested was submitted and that there were no requests for anything additional or any corrections until XX/XX/XXXX and XX/XX/XXXX at which time we were told that we had 24 hours to return the documents that were being requested. This is a violation of CFPB regulations for loss mitigation servicing and it is the same violations that lead to the national settlement. They have delayed reviewing my file for approximately 5 months and then claim that I did not submit the required documents the day that my approval letter from the XXXX expired. Today I had a manager review the file and all of the documents that had ben requested were there. I then had to go over all of the income statement by statement to show them that the RMA was correct. I do not understand why I was doing their job for them, but in the interest of getting this approved, I took additional time to tell them on what page of the pdf they could find the income statements that match up with the bank statements and also the RMA. The final straw came tonight when I received a counter offer for {$580000.00} for a property that is worth {$430000.00}. the XXXX loan is XXXX so effectively what they have done is countered so that the XXXX and XXXX loans will be paid in full with no basis in actual market value of the property. The comps support an offer of {$430000.00}, we submitted a successful value dispute to XXXX when they countered at {$470000.00} and they agreed the property is worth {$430000.00} and issued their approval. I need help escalating this issue as I believe that this current response is retaliatory for my threat to file a CFPB complaint and the fact that the manager could see that the assigned negotiator failed to do what she was supposed to do so they want the file closed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Unifin Inc.
State: OH

Complaint narrative:
Receiving multiple calls from debt collector for my fathers debt. Automated dialers calling my cell phone with out my consent. I never provided them my numbers nor did my father provide them. I asked them to stop calling but they continue. When I call them back they refuse to tell me who they are and just hang up on me. The same guy hung up on me like XXXX times but used a different name every time I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I recently closed out a safety deposit box that I had not been in in 32 years. In the box I discovered a Time Deposit issued by XXXX. I have since found out that this bank was acquired by JP Morgan Chase. I went to the local office in XXXX and they could not give me any information and showed no record of having purchased that bank. I verified the purchase through your office and the local library. I then call JP Morgan Chase again and they do not know anything. I have checked the abandoned cash site at the Illinois Secretary of Treasurey website and did not find it there. I would like to know the status of this Time Deposit and where the money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Jon Barry and Associates, Inc.
State: PA

Complaint narrative:
Company calls after I sent a written Cease & Desist notification. Also, robo-calls using an ATDS to my mother 's mobile. I have previously provided both the Company and its client documentation regarding my father 's death and that I am the executor for his estate and POA for my mother.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Platinum Holdings Group, LLC
State: DC

Complaint narrative:
A person named " XXXX XXXX '' has been calling regarding a debt I do not owe, plus he called my parents in NC to discuss the debt and say that he needed to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
We initiated an auto loan with Chase approximately two years ago. We started making payments through automatic bill pay at that time. We thought at that time that we were being very dutiful by paying on the first of the month. Well, upon recent inspection of my credit report, Chase claims we have been a full thirty days late the entire term of the loan. Effectively, when our payment is made it has been for the previous month 's bill. Now Chase Auto has made a claim on our credit report that we were 30 days late XX/XX/2016. When I asked customer service why they have n't called or written a letter explaining this inconsistency, they claim they have called ( even though I have NEVER received any call from them ) I am currently trying to buy a house and this report on my credit is holding up my application, and obviously hurting my good credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1 ) Refinanced home mortgage XXXX, XXXX. Closed early XXXX, XXXX 2 ) The original loan had an impound account which continued with the loan refinanced by XXXX XXXX XXXX XXXX, XXXX ). 
3 ) The XXXX XXXX refinanced loan was sold to Chase who took over in XXXX, XXXX. 
4 ) Much to my surprise, I received a delinquent property tax bill ( with a penalty charge ) that was due in XXXX, XXXX. I did not understand why Chase did not pay this as I have been paying into this account throughout my original mortgage and it was always paid on time. 
5 ) Subsequently, I received a surplus check from Chase for {$6300.00} which obviously was from my funds that should have been used to pay this same XXXX property tax. 
6 ) I feel that when they bought the loan, which included the monies I have been paying into the impound account, it was their obligation to make sure the tax bill was paid on time. 
7 ) I contacted Chase and was transferred from an employee who admitted it looked like Chase made a mistake and should pay the penalty to his supervisor who was evasive and would not take action to rectify or investigate the problem. 
8 ) I paid the tax bill since it was already delinquent and XXXX XXXX should be paid. 
9 ) My lawyer sent a demand letter to Chase but they have not replied. They have simply ignored my request to work out a solution to a problem they created. 
10 ) I would like Chase to at least pay for the penalty charge incurred and it would be nice if they had the courtesy to admit their negligence. My hope is to be treated FAIRLY as a consumer and not disregarded, especially since it is evident they had my funds and did not meet their obligation and instead created a bill that I did not know of until it was delinquent. 
11 ) I will try and attach documents to show evidence of what I am describing. 
12 ) Please contact me with anything needed to clarify my dilemma. 
Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
I got a loan for {$300.00} with Sunset finance in XXXX, GA. They have called me after I got the loan and told me I owe {$700.00} for the {$300.00} borrowed. This was not in the contract and also they signed me up for a car towing assistance program that was not in the terms of the loan. I have paid on time and I feel like they are taking advantage of me and charging me fees that are illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I asked Chase bank customer service to set up my checking account so that it will not allow transactions to process if there is not sufficient funds in my account. In essence, so they would bounce back to the originating source. Chase cs sent me a link to use but it did not work for my checking account. Since then several transactions have processed through my account when there has not been sufficient funds and they are charging me fees for these items.

Company response to consumer: Closed with monetary relief