vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Thank you so much for responding to my complaint. But nothing in that response said anything that happen in XXXX. Yes I was approved for my XXXX modification in XXXX after I filed Bankruptcy. In XXXX I received my check back from you guys and I called and the rep from Bank of America ( bofa ) said they could n't find my Modification ( Mod ) paperwork. They said they can not accept any more payment until they find it. As we wait for the process. I received a call stating that they found it and also I 'm APPROVED for a Principal reduction. She also stated that she will be sending my paperwork for me to sign. 
Question : Where is the paperwork, I 've called every XXXX days until the end of XXXX and everyone kept telling me it 's on it way. Also XXXX time I called they said the department is closed down. So it will take a little longer. Now since this was going on of course the payments are falling behind. Yes I filed a complaint to my Attorney General office about speaking to so many different people and getting different answers. That 's why in XXXX they gave me XXXX person to speak too. So my question to Bank of America why you guys gave me the run around and then you knew by me applying for a XXXX modification within XXXX years that I was going to be denied. Also when I was already approved for themodification that you guys lost but then found. Why you guys did not give me the proper paperwork for the Principal reduction. I really think for the year of XXXX sounds very odd. And I was misled as a customer seeking for help. XXXX bank of American should had kept my check and not sent it back. Can you please explain to me what happen in XXXX. I was paying on time after my bankruptcy. I know you guys transferred me to XXXX but it started with you guys. And I feel they need to clear this up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
I built a home in XX/XX/XXXX and obtained a mortgage with XXXX XXXX. When they were purchased by XXXX XXXX XXXX, my mortgage was transferred to XXXX. I started to experience financial difficulties and could not make my mortgage payments. I spoke to a lawyer and he advised me to file a Chapter XXXX Bankruptcy. I filed in XX/XX/XXXX for the Chapter XXXX. XXXX sold my mortgage loan to XXXX XXXX in XX/XX/XXXX, who then sold it to Green Tree Financial ( now known as Ditech ) in XXXX. The first thing Green Tree did was add a {$35000.00} past interest charge to the loan. I have tried to contact Green Tree and they will not talk to me, saying that the mortgage is in an active bankruptcy. The bankruptcy was closed in XXXX XXXX successfully paying all creditors. I am trying to refinance my mortgage with XXXX XXXX. The first payoff they received in XXXX XXXX was {$190000.00} ( my original mortgage was {$170000.00} ). Due to so many issues with Green Tree the refinance was not closed quickly. When the second payoff was requested in XXXX XXXX it was {$200000.00}. I made {$6400.00} in payments to Green Tree over this time period ( from XX/XX/XXXX to XX/XX/XXXX ), yet the principal balance remained the same. The escrow balance and the past due interest both went up by {$4000.00} dollars. Green Tree has NOT paid any escrow payments over this time period. I need someone to help me sort this problem out as I can not reach anyone at Green Tree!! PLEASE help me!!! I do not want to loose my home due to a finance company that is 'playing games ' with my mortgage. How can the balance go up when I am making regular payments?? Please advise me as to what can be done, I am not willing to pay these people $ XXXX {$40000.00} extra money that both XXXX and XXXX NEVER asked for?? HELP!!!!!!!!!!!!!!!!!!!! 
I did try to do a loan modification with Green Tree, they kept sending my bankruptcy lawyer letters saying I was not providing the information they requested. I have proof of information sent via FAX showing dates they were received by Green Tree. They have since told me that the time line for the loan modification has expired?? I need some help to get this resolved!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Escrow was analyzed XXXX/XXXX/2016, showed # XXXX shortage, which I paid ( Scan XXXX ). Received adjusted anaysis date XXXX/XXXX/16 ( Scan XXXX ). Mortgage changed in that I no longer have to pay PMI of $ XXXX/month as of XXXX, 2016. Received Escrow Disclosure requesting ANOTHER {$1500.00} payment of " Escrow Shortage '' dated XXXX/XXXX/16 ( Scan XXXX ). They have taken my winter taxes, which were {$160.00} last year, and plugged in the larger amount of my summer taxes ( which was used as summer tax amount ) of {$2000.00}. I called and explained all, requesting re-analysis, on XXXX/XXXX/16. I was told the account would be analyzed again and I would receive a letter within 21 days. Nothing has been received but my bill indicating the escrow increase of almost {$200.00} per month. The taxable value of my home has only increased by {$130.00} over last year ( Scan XXXX ). This is nothing more than robbery.

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 2017-03-22 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: SC

Complaint narrative:
My wife and I had to file for bankruptcy Chapter XXXX in XXXX as primary physicians it was simply impossible to survive- we have now reliable good paying jobs- have incurred no additional loans ( except a XXXX/ and a XXXXlimitcredit card besides our mortgage ) For 3 years of the five year plan- it i well documented by the XXXX XXXX XXXX that we have been paying into XXXX and Texas XXXX School Loans- until dismisssal of our Chapter XXXX XXXX We then paid a payment to XXXX and to XXXX in XXXX XXXX presented a payment plan with at least XXXX different payment addresses- with a higher balance that the trustee reported + a XXXX penalty/late fee! The Department XXXX list the balance owed as XXXX when the Chapter XXXX trustee list the balance as of XXXX as XXXX.Then Navient started sending emails about nonrepayment of XXXX since XXXX XXXX with also a higher balance that the trustee reported- as if we 've made no payments at all! The XXXX loan at the beginning of bankruptcy filing wasXXXXXXXXXXXX and at the end of bankruptcy XXXX it was XXXX, XXXX! Navient lists the balance owed as XXXX. How did this happen? The totals are off by XXXX dollars and XXXX reports this as a NEGATIVE- we ca n't even begin to get an electric company loan to fix our heating and find a car for work! We have not saved enough for our children 's college and dread that they will be caught in this same quagmire. We are honest paying professionals and have been pummeledby government XXXX XXXX restrictions that make it utterly distressing to have to deal with constant justification for the work we do only to get pitiful reimbursements. All we want is for both Texas XXXX and XXXX loan totals to coincide with the Chapter XXXX trustee reports and get credit for all the payments we made the last 3 years- and have a reliable address ( es ) to send payments to. Stop all this penalty fees while we 're sorting these out ( we had not got any credit for the payments we made in XXXX XXXX! ). Stop Navient from reporting to credit bureaus that we are delinquent when we are not!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
We have issues paying our mortgage EVERY month with Ditech. They are not helpful in the least. We sent our mortgage payment online through our bank on XX/XX/2016. The only reason that we did n't send it by the XXXX is because we were out of town and did not have access to do so. The bank showed our payment as processed on XX/XX/2016. It is now XX/XX/2016 and Ditech still HAS NOT applied our payment to our account. It has been 10 days now since we sent it. Their customer service rep can not tell me why it has not been applied. In 2 more days we will be hit with a late fee from them. Do I have to pay my mortgage payment an entire month ahead of time for these people to process it on time? I feel like we are intentionally being set up to be hit with late fees. I was told that we could dispute the late fees by explaining our side of the matter via FAX. The issue is that we should not be hit with late fees in the first place. I think this company holds onto the payments they receive, but do not process them when they receive them. I believe they are intentionally doing this in order to hit people with late fees. If I send a FAX disputing the fees, I doubt it will do me any good, since they do n't seem to care what their customers have to say. We do not have this issue with any of our other online payments. ONLY DITECH. Someone needs to investigate this company and their manner of doing business. Personally, I am sick of this. When we have the opportunity, I am strongly urging my husband to refinance our house with a different company. I never want to have to deal with these people again. Something needs to be done to protect the consumer here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I was approved for the income driven repayment plan for 1 year and I am to reapply yearly. Nelnet AND XXXX credit bureau are inaccurately reporting my program as in deferment which is inaccurate and bringing my credit score down XXXX plus points. I have contacted Nelnet, credit bureau regarding this matter and received letters from both entities that it was resolved but it 's worse. I have been paying student loans for 10 years for a certificate degree with no late payments and finally approved on a program and now my credit is messed up from both branche 's with no resolution. I 'm in worse shape. I 'm complaining against Nelnet for innaccurate student loan reporting and XXXX for poor reporting, bad customer service and failure to verify information which has been submitted by myself and Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Utah System of Higher Education
State: WY

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my student loan servicer, UHEAA ( Utah Higher Education, Assistance Authority ) claimed that I had late payments on my student loan. I was a XXXX at this time and was in no way required to be making payments on my student loans. After finding this mistake on my credit report in XX/XX/XXXX, I contacted UHEAA to help correct this mistake. I was asked to submit documentation of my full time enrollment status ( transcripts ) to UHEAA, which I did. I also, at this time sent documentation to XXXX credit bureaus along with a dispute on this matter. Over our conversation on the phone, the representative with UHEAA was able to see in their own database that this was a mistake on their end and assured me that this would be removed from my credit report by the end of the month when they send their next set of reports to the credit agencies. Months went by and these late payments are still haunting my otherwise perfect credit score. I have contacted UHEAA numerous times to follow up and every time they have assured me that things are showing correctly on their end. I have also disputed again with TransUnion and Equifax and both reports have come back stating that UHEAA is showing up to date information regarding my account, yet the late payments are still being held against me! HELP! I have never made a late student loan payment! This mistake is dragging my score down unfairly. I do not know what else to do to get this issue resolved. Every time I contact UHEAA I speak with a different customer service agent regardless of the many times I ask to be connected with an account XXXX.

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
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
The mortgage company is not paying my tax bills from my escrow account, despite me faxing them into Ditech Financial. When I called today 4 separate times, I am given mis-information, bad information, no information and or hung up on. I am trying to re-send the tax bills, yet they will cooperate and tell me how to get the tax bills there. I can not tollerate this abuse any further. This is one of the worst companies I have had to deal with, bar none.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of San Luis Obispo & Santa Barbara Counties
State: CA

Complaint narrative:
This started as a billing error at the hospital. I went to see XXXX XXXX XXXXbecause I literally felt like XXXX. My Uncle had recently been hospitalized for XXXX XXXX and I had been to visit him at the same time he contracted the virus. I fell illshortly after and went to my primary care because I was afraid I had it too. 
XXXX XXXX coded this visit with him as a " routine visit ''. My husband is a XXXX veteran and I have XXXX insurance. XXXX denied the claim becausethey told me the claim was coded wrong. I informed the hospital. Not only did I bring acopy of my explanation of benefits to them in person, but I made over 10 calls to variousoffices trying to get them to code the visit properly. This was anything but a " routine visit ''. 
Feeling like I have west nile virus is not a " routine '' thing. 
The hospital and XXXX XXXX 's office sometimes were polite about the matter. They evenclaimed two times they changed it, but they kept submitting the same medical code toXXXX who kept denying the claim because they do not cover " routine visit '' claims. 
Then I got a nasty call from a collections lady saying this would be going to collections. Afew months later I got a letter from " The Credit Bureau of XXXX XXXX XXXX and XXXX Counties ''. The letter is dated XXXX/XXXX/2015 and it says I have 45 days to pay in full orthey will report this to the Credit Reporting Agencies. 
I do not owe this amount. This is a billing error. The hospital has failed repetedly to correcttheir mistakes. They even told me in person it was a mistake and that they would fix it. Thishas been dragging out for almost a year now. I want this to end and for them to bill myinsurance properly. This is no way to treat the wife of an honorably serving XXXX veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
Green-tree Service representative XXXX would not resolve or aid in simply getting information to change insurance and escrow information. She repeatedly would put me on hold and not transfer to supervisor when requested. I called in to change our information but she would not supply me with the information to complete my request, after being left on hold for 30 minute and then disconnected I called again and was put back through to " XXXX '' when I requested a supervisor she hung up. Called a XXXX time with the same result. Called a XXXX time and asked to NOT be transferred to XXXX, the rep was able to give me the information requested. XXXX is our " point of contact and has been abusive and repeatedly break 's agreements about contacting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
I am in bancrupcy and thought I was protected from foreclosure. I recently applied for a loan modiciation and/or any program that could help me with Ditech. They took over my nmortgage from Green Tree. I was also using XXXX to help me fill everything out. I got an e mail from XXXX that Ditech needed more info from me. It was unclear to me what exactly they needed and the next message I got was that it was too late and they are foreclosing. Can you please help me?? Im very worried for my self and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
This account was PAID ( XXXX on my taxes by original creditor ). 
This account should NOT be reporting on my Credit Reports by a Debt Collector as this debt has already been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, I had savings account and XXXX CD 's with CIT Bank ( XXXX. XXXX XXXX, XXXX, MO XXXX ). These accounts were closed in XXXX. I waited and waited for XXXX XXXX. Finally, on XXXX XXXX, XXXX, I called CIT Bank ( CIT ) and discussed this matter with XXXX who told me that all XXXX 's were mailed on XXXX XXXX, and that the XXXX should be coming soon. I waited and waited again, but, no XXXX until XXXX XXXX when I called CIT Bank again and discussed it with XXXX who blamed it on the post office. I then asked XXXX to overnight to which she agreed. I told her that CIT is closed for me and I am not allowed to do business with the bank. I waited again and looked for it every day. 

On XXXX XXXX, XXXX, I called XXXX again and discussed it with XXXX who gave me the shocking news as follows : A ) The XXXX was mailed on XXXX XXXX and not on XXXX XXXX as promised, and B ) The XXXX was not mailed by overnight mail as promised but by ordinary mail. It is beyond my understanding that why CIT will abuse its customer in this fashion. First CIT violated IRS law by not mailing XXXX by XXXX XXXX. Second, CIT promised to overnight. CIT did not overnight, nor CIT informed that the XXXX will is being mailed after 4 days by ordinary mail. 

It should be noted that CIT terminated all my accounts in XXXX and I cut me off from the bank business ( another story that is irrelevant here ). I will submit ( by fax ) the termination letter for your information and action. I had no access to the information on the web site due to termination of my accounts. I had to cancel my appointment with my tax accountant 3 times. I will probably get XXXX around XXXX XXXX or XXXX. I may not be able to file my tax return within the time since I have an overseas trip coming soon that I can not postpone or cancel without losing hundreds of dollars. I will cost me extra money ( {$150.00} to XXXX ) to file addendum tax again. I want CIT to pay this cost amounting to {$150.00}. 

How can a bank delay XXXX delivery and get away with it is beyond me. CFPB should not tolerate this kind of behavior. CIT has made my life miserable causing extreme frustration, economic loss and loss of my precious time. Their license should be cancelled. They keep on violating XXXX law repeatedly. 

I am a XXXX American who feels extremely helpless. I just can not take any more abuse. CIT has put me and my wife to tears. Your help will be God sent. 

Sincerely yours, XXXX XXXX XXXX Attachment : Termination letter to be faxed later ( I do not know the fax no. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OR

Complaint narrative:
The personal identities of my wife and I, which we had entered on our rental application to the XXXX at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, including our names, birth dates and social security numbers and other confidential personal information, have been fraudulently misused by the XXXX. For example, the XXXX secretly took money from my wife 's XXXX bank account. This unauthorized charge was accidently discovered when reviewing another transaction. After conducting a full investigation, the XXXX bank fraud investigators concluded that this was financial fraud, unauthorized charge, theft, etc. and reinstated the full amount that the XXXX had unlawfully taken out of my wife 's bank account. Undeterred, the XXXX has proceeded to report the same fraud amount as late, unpaid charges to the credit agencies against my identity using my personal identity and credit information. Worse, the XXXX collection agency '' FCO, had the gall to call and ask us to send them a " small nominal fee '' in order to make our banking and credit nightmares that they are unlawfully creating against us to disappear.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation