vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
Commonwealth Financial Systems is currently misrepresenting themselves as owners of a debt where the original creditor was XXXX XXXX XXXX , XXXX. I have not received any verification that they own the debt nor did I receive a letter from them providing me notice providing me with 30 days to dispute the validity of the debt. I came to the knowledge of this misinformation when I requested a copy of my XXXX and XXXX credit reports. In addition, the date the account was opened and the amount owed are inaccurate as the account became delinquent in 2011 and the the original balance is inaccurate as the debt was {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from XXXX XXXX XXXX indicating that they are in possession of this debt. Further, the Fair Credit Reporting Act ( FCRA ) states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act ( FDCPA ) states that debt collectors may not use " false, deceptive or misleading representation '' to attempt to collect a debt which XXXX XXXX XXXX is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention, the embarrassment due to being denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
THIS WAS DISCHARGED IN BK IN 2012 AND THEY KEEP REPORTING IT TO MY CREDIT AS RECENTLY AS LAST WEEK.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: IN

Complaint narrative:
- In XXXX, XXXX I noticed a collection on my credit file I did not recognize from Ability Recovery Services , LLC. 
- On XXXX XXXX, XXXX I requested the collection agency validate that debt or remove from my credit file if they could not validate. I also disputed the debt with the credit bureaus. It was removed from XXXX, but not XXXX. I an not sure of the status on XXXX currently. 
- On XXXX XXXX, XXXX, Ability Recovery Services sent me a settlement offer with no validation or explanation of the debt. 
- On XXXX XXXX, XXXX I again requested validation of the debt or that it be removed from my credit file. 
- On XXXX XXXX, XXXX Ability Recovery Services again sent me a settlement offer with no validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Commonwealth Financial Systems, Inc.
State: AR

Complaint narrative:
XXXX contacted my wife for an alledged medical bill. The person that called her name is XXXX, the numbers have I have for them are XXXX, XXXX and XXXX ext XXXX and said we could request to speak with the attorney whose name is XXXX. The company did not identify any location, but threatened legal action that they would collect my wife 's XXXX and collect any taxes that she may be receiving during tax time. The debt they are trying to collect is from 2009. They said that they have already forwarded it and that she will be served papers. Should n't she already have papers?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 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: VA

Complaint narrative:
Debt is a result of an injury at work. Workers comp did not receive a bill. Claim number XXXX. Workers comp and or insurance is responsible not me. Negative reports hurting my credit. Trying to get a resolution since 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 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: VA

Complaint narrative:
Someone used my identity for medical services. I filed the proper police report and the debt collection company still refuses to remove the debt from my credit report. I also requested a copy of the bill with signature but the debt company refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
THE XXXX HOSPITAL BILL WAS SETTLED IN XXXX 2015 AND IT IS STILL ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
I was put on an account with XXXX college. I was sent a collection letter from Ability Recovery Services. After multiple attempts to get this taken care of through both the college and collection agency. I have gotten nowhere. I have gotten cursed and hung up on by the collection agency. I have also been hung up on repeatedly by the the school itself. This is not my account. I finally spoke with XXXX person at the school that agreed to send me an email stating that my name would be removed from this account. Months later It is showing on my credit report. I disputed this with the collection agency and never heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I have an collection agency called Ability Recovery Service, that is trying to collect debt in the amount of {$1300.00} from me. I was an victim of identity theft and I have disputed with all XXXX bureau about this along with a copy of my police report showing identity theft. I need for this collection agency to removed this collection off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX misrepresents the correct date of this account being open. They acquired this debt from companies currently listed on all XXXX credit reporting agencies. I have requested investigation of this fact with no satisfactory results any credit reporting agency.The correct open date should be XX/XX/2009

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
This is not my debt. I have no knowledge of this debt at all. I am not sure why they are trying to collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Since XXXX 2015, I have been working very hard to improve my credit reports and pay old debts to better my financial future. I was able to get all negative information off of my XXXX credit report until Debt Recovery Solutions reported a {$190.00} collection without my prior knowledge. This debt is 3 years old and has never been reported to any of the credit bureaus previously. I did not know I owed the debt until I saw this negative entry on my credit report. I was never notified of this collection account by mail or any other way nor was I given a chance to pay the debt in order to avoid the reporting of the collection account to XXXX. Had I been notified of the collection, I would have gladly paid it but was never given that opportunity. I also have not received anything from DRS since their reporting to 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 with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
We submitted a modification package and filed a complaint ( XXXX ) in XX/XX/XXXX, and submitted a modification package per their request and the additional documentation you mentioned on XX/XX/XXXX. We received a letter of denial on XX/XX/XXXX. The reason for denial was they stated my income was {$11000.00}. As a result of this denial we resubmitted a complaint # XXXX with reference to our account XXXX. We additionally sent an entire new package with all our updated information and financial statement. Additionally a letter explaining our request was sent to Ditech to please review the information. That information clearly showed that our average monthly income at that time was not the {$11000.00} but was a maximum of {$9600.00} and asked for a complete review. The documentation was sent via UPS overnight on XX/XX/XXXX and delivered on the XXXX. In that overnight we included a letter outlining our request. To our surprise we received a letter dated XX/XX/XXXX and again on the XX/XX/XXXX stating everything they had in the first denial. In other words they never reviewed the package because their reason for denial was referencing the pay through XX/XX/XXXX and not the new data. No time was wasted as they sent it to foreclosure and we received a document filed on XX/XX/XXXX stating the property had a sale date already of XX/XX/XXXX. We additionally received your response dated XX/XX/XXXX. In that letter you mentioned if we disagreed with the income increment that was stated we could file a request to review. Obviously we definitely disagreed and that was why we had attached the information confirming our pay. They just never looked at what was sent to them. We are asking for someone to please open their eyes and review. Because my income at my prior employer was dropping every month as of XX/XX/XXXX I have taken a new position with XXXX I am only guaranteed a {$5000.00} per month pay so I will send new pay stubs to confirm. We need someone to review this properly as our desire is to keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: KY

Complaint narrative:
My parents have been paying on a mortgage loan on a double-wide trailer for approximately 20 years. The principal balance of the loan has barely decreased. The loan was originally supposed to be a closed-end loan that reduced principal and interest. I am their son and when they took the loan out I was in high school. I 've since been in the financial services industry for 10+ years. My parents have paid faithfully although maybe had a few payments made behind over the years but have always paid. Recently my mother had a XXXX and my dad 's health has declined as well. Their income has reduced significantly since the loan originated and they have fallen behind. The mortgage company, Di-Tech, is threatening foreclosure and recently came to their house to take pictures. In my opinion, a threat to scare them into paying. They call my parents continuously and have both my parents afraid they are going to lose their home. My mother and my father are still recovering. The representatives are rude and show know empathy towards my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
I applied and received a modification mortgage thru Ditech Financial LLC. They charged just over {$500.00} for the modification increasing my principal from XXXX approx. The payments are XXXX for 40 years. I inquire as to early payoff and they claimed no penalty but although I am making extra payments and stateing they are to go to principal only they refuse to apply the funds to principal. 
They also started gouging me with fees labeled as ( XXXX ) which they claim are for inspections and mowing my Tiny ( 10 x 20 ft yard ) They claimed to have mowed it 3 times and inspection done two times at a cost of {$400.00} for 1 1/2 months added to my principal. At this rate I would never pay off my loan. They are extorting money from me for inspections that should not be done after I accept the loan and start paying and fixing up the property and for lawn mowing when I am doing that myself. There is no proof they have done anything. Why would they wait till I sign my modification loan and agree to fix up the property when they let it go for the previous 9 months before I started paying again and was letting it go? They are robbing me blind and forcing me to give up a property I can never pay off. I have no incentive to keep and fix up this property if my principal just keeps increasing more than 300 times what I am paying on this principal by these bogus extra charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Hello and THANK YOU for being a viable avenue complaints to financial institutions, I hope you can bring my particular issue to a person that can rectify it. 38 months. 38 months is how long I 've been trying to rebuild my home after a fire. Last month I have been issued an occupancy permit, so I 've moved back in with what little furniture I have left. My issue is with Ditech ( formerly Greentree ) Mortgage and the fact that they are currently holding on to about {$7000.00} in funds waiting for me to complete the home before they release them. {$2100.00} was the last check sent issued XXXX XXXX, and have been assured by my account manager XXXX, that this money will be sent for the XXXX for the portion of the project which he has completed. The only thing required is that the insurance company send something stating what the funds are for. I have no problem with this other than it took XXXX phone calls, several emails and calls left with XXXX direct report before I even got a response, then about 12 days after that, I get a call saying she needed the email from the insurance company. I 'm relaying this because this is a perfect example of what I 've been dealing with for ... ... .38 MONTHS. 
Now, after the {$2100.00} due to be released shortly there are XXXX aspects of the project that Ditech is holding on to ( for 4 months now ). I have sent in check from the insurance company for approximately {$5000.00} to finish the basement and to put on a rear deck to the home. I 'd need them to release this money. I 've made my mortgage payment for 38 MONTHS, put in excess of XXXX of my own money and easily XXXX hours of my own time into this project. This has run at a snails pace most of it due to the fact that I have to complete projects with my money and then submit for a reimbursement. I am working 60 plus hours in my regular job ( XXXX ) then trying to finish the last bit of this home and it ridiculously frustrating when I think about the money just sitting there waiting to be used, yet not released because they do n't trust me to use it for it 's proper intent. The tax assessment office has been by twice to reassess the property, yet can not due to the fact that I 'm going week to week finishing what I can with the funds I can direct to this project. Release the rest of these funds so I can complete this project. 
I 'm not interested in what your " procedure '' calls for. I fully understand the reasons behind it with rampant insurance fraud but this is not me. I 'm not leaving my XXXX home to run off with XXXX ... ..K? Please call or email me with notice on when this can be accomplished. Again, THANK YOU CFPB for this avenue and I 'll enter specifics later in this complaint. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: OLIPHANT FINANCIAL, LLC
State: NJ

Complaint narrative:
When we divorced in XXXX, my ex-husband agreed to be responsible for his business debt. In XXXX, XXXX XXXX XXXX XXXX tried to pressure me to pay it, I replied right away and then they filed a suit against me in court without proper notification. They wrote me late XXXX XXXX, I called right away and then wrote in the first half of XXXX XXXX and the next thing I knew was that they had filed in court, no notice. It was very upsetting. 

I just read how Atty General XXXX successfully sued companies in XXXX back in XXXX for not providing due process and directly filing suit. Not only is my ex-husband over $ 72K in child support arrearage for our XXXX children, I have been making monthly payments to Stephen Einstein so they wo n't hurt my career. This Civil suit judgment is adversely impacting my career as a Registered Representative - I 'm the only one providing for my kids. I spent over {$2800.00} for a lawyer trying to avoid this hurting my career. I do n't want my ex-husband 's debt on my XXXX XXXX file - I need this cleared up. XXXX also got the judgments vacated, the payments made returned for XXXX since they were n't properly served. Can you help do the same for a working XXXX resident like me?

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 2015-06-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I opened a small loan with this company who takes advantage of consumers having a hard time by giving them loans and charging an insane interest rate almost doubling the payback amount ... ... ... But I was struggling to feed my kids and keep my credit good so i opened a loan with the intention of paying it off and having a positive affect on my credit. 

XXXX into XX/XX/XXXX i defaulted on the loan because i was the sole income in my house and my fiance was a XXXX. He suddenty went back to work causing me to need last minute child care. I had to use my bill money to pay for care for my kids which set me back for months. I tried explaining this to them and they were very rude over the phone using profanity and just all around nasty. I still made a few payments after that trying to catch up but i just couldnt get back on track. This company also caused me alot of grief and stress as they would call my job to my BOSS 'S DESK PHONE ... ..ALL.DAY.LONG! Even after he asked them to stop calling they still called and almost caused me to get fired. The called my MOTHER and scared her as well and she doesnt even live in this state asking her for my wherabouts! They even came in person to my house and were yelling at me in front of my kids. 

This is very rude and unprofessional not to mention against collection laws. Fast forward to XX/XX/XXXX I paid them the balance IN FULL and requested as a coutresy for them to delete the reporting from the credit bureaus and they refused. I requested a call back from Manager XXXX who handles the Georgia offices XXXX times only to be ignored and never receive a call back. These people scared myself, my kids and jeopardized my job! These people should be ashamed and should be taken out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: KY

Complaint narrative:
Made XXXX calls wo n't answer keeps saying no one is available and all mailboxes are full. We have not been able to speak to ANYONE since they took over loan. Making XXXX calls and not able to get through on XXXX seperate phone numbers is not good faith business

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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: Tormey Bewley Corporation
State: NM

Complaint narrative:
Several attempts to contact the Advantage Group regarding alleged debt collection accounts which are appearing on my credit reports. All correspondence sent to Advantage Group is via US Certified Mail. Despite having received my correspondence this company fails to reply. Despite the collections accounts not being verified, I 've attempted to expedite deletion of these accounts by offering to settle. No response.

Company response to consumer: Closed