vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
Ability Recovery Service XXXX has called me far too many times that it is bordering on harassment and they refuse to listen to any explanation I give them because all of my student loans are in repayment plans. However they Say that they represent XXXX for a repayment of a loan that is in a repayment plan, and every time they call me they are rude and unwilling to accept the truth and their calls end with threats and an abrupt hanging up on me. And I have Explained to them many times that my student loans are in repayment plans but they refuse to listen to that or accept it - they say I am playing games and then threaten legal lawsuits. And, I do n't know why they have this but I have heard that this company buys accounts that have passed the Statute of Limitations in order to make false claims in order to make people believe that money is owed and collect money that is not owed under false pretenses. In Addition I am not even sure what loan they are talking about because they do not specify the debt type or the amount all thy said is that they had this since XXXX of 2015 and my student loans have been in repayment plans long before this time, so something is not right about this company because of the claims they make and the harassment and threats because a Professional or legitimate business would not harass or threaten people and they would be willing to listen to you instead of dismissing anything you say as excuses, lies, or games, and I have spoken with XXXX before a they said that Ability Recovery Service is not a company the school uses because they have their own service for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
NE Credit Collections is reporting to my XXXX credit file a collection in the amount of {$640.00} with a delinquent/open date of XXXX/XXXX/XXXX for XXXX XXXX XXXX. After research, I found that XXXX XXXX XXXX is located in XXXX XXXX XXXX. I have not lived in XXXX XXXX XXXX since XXXX. I lived in XXXX, XXXX from XXXX, then moved to XXXX in XXXX XXXX to XXXX XXXX. I have been at my current residence in XXXX since XXXX XXXX. They are in federal violation of inaccurate reporting/re-aging a debt with a delinquency date of XXXX/XXXX/XXXX. Furthermore since I have lived at my current address since XXXX XXXX, they are in violation of not sending out a 30 day collection activity letter to me for validation of debt as this debt was paid by medical insurance in full a long time ago. I disputed with XXXX but NE Credit Collectors came back to XXXX that it was mine debt and it remained on my credit file as disputed. This has caused me to be denied credit at times and caused harm to my credit file. I can prove my residence dates and if this is not deleted immediately, I would like FCRA penalties and fines levied on NE Credit Collection and proceed with litigation. This is inaccurate reporting of dates and a debt not owed and should be deleted immediately. This is also a HIPPA privacy violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FEARON FINANCIAL LLC
State: CA

Complaint narrative:
XXXX XXXX/Fearon Financial did not act in my best interest and in the end failed to provide me with the services for which I was charged. 

My initial contact was with XXXX XXXX, I Inquired with her, among many other things, as to what requirements there were of my HOA for my condo to qualify for a 30-year fixed rate refinance loan through their institution. She advised me, and ultimately misinformed me, that the underwriters would check to make sure that the HOA was not in financial trouble, and that they had a reserve fund. She made no mention of a very specific requirement regarding the percentage of homeowners delinquent on their HOA dues. However in the end, because of the XXXX XXXX XXXX XXXX requirement, they did require a maximum of XXXX % delinquent homeowners, which our HOA slightly exceeded. This is a firm requirement that is simple and easy to convey to prospective borrowers, which would then allow them to make an informed decision about proceeding with the loan application process. XXXX XXXX made no effort to protect my interests in this matter, and only acted in their own interests by pushing me to hurry and sign the application and deposit form without the proper information despite my efforts to obtain it. XXXX XXXX therefore did not act in good faith towards myself, the consumer. 

In addition to providing me with misinformation, XXXX XXXX also failed to provide an accurate appraisal of my property, despite charging a {$500.00} fee for such proposes. The document sent to me and purported as the appraisal of my condominium contains such substantial inaccuracies that it can not be considered an actual appraisal of my property. I have attached a copy of the appraisal, both as it was sent to me and with the portions that I was able to determine as inaccurate highlighted. Although there are many areas where the document is inaccurate, the property description is particularly egregious, as it is clearly not a description of my property what so ever ( e.g. my property has no hardwood floors, rooftop balcony, or recessed lighting ). This is clearly not a trustworthy document, and it is beyond any reasonable consideration for repair. 

In addition to taking money for services they did not provide, XXXX XXXX wasted my time, my energy, and my emotional fortitude as a hardworking homeowner trying to make ends meet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-19 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:
1. Hospital visit XXXX XX/XX/XXXX2. My employer provides health care at 100 %. My XXXX XXXX company is XXXX3. XXXX paid the medical bills5. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor. 
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency. 
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company. 
8. The item is removed from my credit report. 
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report. 

Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor. 
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago. 

My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report. 

I need your help to stop this once and for all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was charged a late fee by Chase on a balance that was due on a Sunday. My bank was unable to process the payment electronically until first thing Monday. They have refused to acknowledge that was in violation of the Credit Card Act of 2009. Have the companies such as Chase found a way around this act?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-02 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:
Never signed statement of responsibility, Not responsible party.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 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: TX

Complaint narrative:
I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XX/XX/XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
Green Tree Servicing is repeatedly engaging in a practice of refusing to credit my payments to my mortgage account with them. They are agents for XXXX, and XXXX is the bank that I use to make the payments, so there is no excuse for them failing to record all of these payments. I do wonder if they are acting in bad faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Ditech imposed a Past Due Amount on my XXXX/XXXX/2015 billing statement in the amount of {$240.00}. The Total Amount Due on my XXXX/XXXX/2015 statement was {$1100.00} and the Past Due amount was {$0.00}. They received my payment of {$210.00} on XXXX/XXXX/2015 and a payment of {$1000.00} on XXXX/XXXX/2015 for a total payment of {$1200.00} ( more than the required payment amount ) therefore I do n't understand how there could be a past due amount of {$240.00}? In the month of XXXX, they applied {$240.00} of my monthly payment to Escrow and the balance of {$960.00} to Unapplied Funds which caused all payments after the XXXX payment to be applied to Unapplied Funds. My escrow analysis said the shortage would be spread over 24 monthly payments beginning XXXX/XXXX/2015 therefore my XXXX payment should have been applied as billed ( {$200.00} principal / {$770.00} interest / {$190.00} escrow ). I 've been in contact with many Ditech people via telephone during the past 5 months trying to get this corrected but my account continues to show as past due and I continue to receive collection calls. 

I am tired of the harassing collection calls due to this error therefore I would also like to request, in writing, that no telephone contact be made by your offices ( Ditech Financial ) to my home or to my place of employment. All future communications with me MUST be done in writing and sent to my mailing address on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
My mortgage was transferred from XXXX to Green Tree servicing in XXXX 2015. I was current with payments to XXXX when it transferred. I have made XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX payments in FULL and On time to Greentree. Unfortunately in XXXX 2015 BEFORE my account went to Greentree, An additional payment was erroneously posted to my account AFTER I paid my regular payment to XXXX. XXXX realized this in XXXX 2015, and requested Greentree to take the erroneous payment out of of my account. Greentree took it out of my monthly payment amount that I had already paid on time and in full instead of taking it out of the Balance of my account. Now, greentree says I own additional money to cover what was taken out!!! I was current with XXXX and am current in my payments to Greetree, but they have charged me late payment fees, etc and no one will correct this error!! This was not my error ... Also just found out that they paid my property taxes late and I got a {$110.00} fee on my tax bill that they are in charge of paying! Help ... I ca n't get any help from Greetree and now that it is changing to XXXX, I am afraid that this will go on forever 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 2016-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NH

Complaint narrative:
I have a 30 day late on my credit report when the money was paid and out of my bank account and with Ditech. Here is the list of events that have happened over the past 3 months. 
XX/XX/XXXX - made a {$200.00} payment toward my mortgage payment that was due on XXXX. 
XXXX - made full payment of XXXX because the online and automated system will not allow a payment of anything less than a full normal payment XX/XX/XXXX - called to make my payment due XX/XX/XXXX. I called because I was going to make the payment minus the {$200.00} that was still sitting in my account since XXXX XXXX. The CSR was great. She saw my {$200.00} and said it went to late fees but it could be reallocated and all I had to pay was the remainder of the payment which was XXXX. She took that from my account for me and waived the {$19.00} fee because I did n't have another option to make that payment due to their online limitations. She assured me I was all set. 
XX/XX/XXXX went to make my payment online and was past due. Called customer service to straighten it out. They said my reallocation requested was submitted on XX/XX/XXXX but did not have a decision yet. I was hit with a 30 day late on my credit report for XX/XX/XXXX. I asked for a manger and spoke with a man named XXXX. He assured me that it would be looked at ASAP and he would get back to me on XX/XX/XXXX either way. He never called. 
XX/XX/XXXX - I called customer service again. My reallocation was not complete and no one could answer me. The girl I talked to sent him an email and I left him a message and still no response as of XX/XX/XXXX. 

I am beyond frustrated beyond words. First of all I was told I was all set for XX/XX/XXXX by a customer service representative and I was not. Then my credit took a hit which it should not have. I paid XXXX. Then I call to resolve the matter and it has been over a month and was never even looked at. I do not know if my credit will be hit again for XX/XX/XXXX. Ditech had my money and did n't put it to my payment and then caused a hit on my credit. Then they have yet to resolve the issue ... ..over a month later!! Then to top it off, I can not get a response from this company and/or the manager that I spoke with. I can not get anyone to work with me and help me. All calls are recorded and I even asked them to pull my phone call from XX/XX/XXXX so they could see that I was told I was all set. I can only go based on what customer service tells me. No one will follow through or follow up with me and I need to get this resolved so my credit is not ruined any more than it has been due to their incompetence.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
While paying for a purchase from a convenience store using my chip-imbedded debit card, the card was stolen from the chip reader and the thief quickly exited the building. The timing was well planned since I heard no alarm to indicate the processing was complete. I did not notice it was missing, thinking perhaps I automatically replaced it in my wallet. The next morning I had an alert that I was overdrawn and immediately notified the bank to put a hold on the account. The bank initially replaced the funds to me, but subsequently re-claimed the amounts ( + OD fees ), saying, in effect, that their system was infallible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
we have a rental home in which the tenants have not paid -- we are in the process of eviction. This is an extremely difficult time for us as our son passed away unexpectedly six weeks ago -- this honestly is the hardest thing we have had to deal with so when the tenants say to us they have XXXX -- we have to say " do n't even tell us about XXXX '' While we evict & have received no rent we have asked ditech to please give us a two month reprieve until we can get rid of bad tenants, repair the home & ideally get rented again. We have paid the escrow this month but asked PLEASE for the payments to be added to the end of the mortgage -- with NO late fees. They have sent us information on loan modification, which in our experience on rental homes NEVER works. We have jumped through hoops attempting a modification & have never received. We honestly thought this plan was ideal & workable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
I 've contacted this company regarding XXXX accounts that they are reporting to all XXXX credit bureaus. I 've contacted them requesting competent validation of proof of the account and the information that they are reporting to XXXX, XXXX and XXXX. I 've never received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-01 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: OH

Complaint narrative:
Arrange a XXXX part payment on the mortgage, An uncontrollable emergency expense came uo and I had to cancel the XXXX payment. Repeated told to pay this and to borrow it any way possible so the company could get it 's high mortgage payment. I told them I was modifying the mortgage and told okay but need to pay us now. Threats to do legal action continued daily.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I was notified that my job was laying me off while on XXXX, I was not told that I need to sign documentation regarding my severance PRIOR to me taking a new job. Employer did not give me the severance package indicated in my emails. My house is now in foreclosure - I found a new job and I have the money that is currently owed on the loan but the legal fees is keeping me from reinstating my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
To make a long story short, I was notified in XX/XX/XXXX that my mortgage company was paying the wrong PIN # out of my escrow for property taxes since XX/XX/XXXX. I first found out from a neighbor in my condo complex as her taxes were paid and she had not yet made a payment. I then was notified by the County that I may be eligible for a reimbursement due to me paying someone else 's taxes. After further investigation, it was determined that my taxes were not paid for an entire year and I had a lien. This has since been resolved by my mortgage company, but it was resolved with my money in my escrow. I have sent in two formal complaint letters to my mortgage company trying to understand the issue. I have also requested documentation proving what all my escrow disbursements since XX/XX/XXXX have paid. My first written dispute was sent on XXXX XXXX, XXXX. I received a resolution letter on XXXX XXXX, XXXX, however, it did not address ANY of my concerns or disputes nor did I get any of the documentation I requested. So, I sent in another written dispute letter on XXXX XXXX, XXXX addressing the same concerns I had back in XXXX. I have received a couple acknowledgement letters since XXXX XXXX, XXXX, but it is now XXXX XXXX, XXXX which is 124 days since my formal written dispute and I have not received a resolution. I have not received one letter, one email, or one phone call to at least try to address my issue. I work for a Financial Institution, and in fact I manage the area of the Bank that handles all the Consumer Loan error resolution inquires and complaints. I have a pretty good understanding of what regulates the consumer rights when it comes to Real Estate Secured consumer loans ( especially since XXXX XXXX ). There could be no issue with the way my mortgage company processed my tax payments since XX/XX/XXXX, but due to the lack of addressing my concerns, my complaints, and my disputes I feel as I am not being treated fairly as a consumer and should not have to wait this long to hear some sort of resolution. I have plenty of documentation to display my current efforts with my mortgage company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation