vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: WI

Complaint narrative:
Rushcard was supposed to be down for routine maintenance for a few hours on XXXX. These few hours have turned into DAYS! I have no access to my funds. My card shows a {$0.00} balance ( which is incorrect ) When I can get into the website once every XXXX attempts ) it is showing a double posting of my transactions and random processing debits. When you try to call Rushcard customer service ( got the number from the back of my prepaid card ) their the number says out of service '' I have a child to feed and bills to pay and have had no access to my money since Sunday!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Common Wealth Financial uploaded a collection debt to my credit reports that was paid in full XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: KS

Complaint narrative:
I have an HSA with XXXX ( Bank of New York Mellon ). I contacted them in XXXX XXXX to find out how much more I could contribute to reach my maximum contribution limit for XXXX. I mailed in a check and last week received an email from them saying I could add more. Thinking that I had already sent in the maximum, I called them to double check on what was going on. They said that the email should n't have gone out, that the check I recently sent in was too much, and that I would have to pay fee to get everything split up and " reclassified '' to the proper years OR they could reclassify the check I sent in for XXXX to XXXX which will cause me to lose out on my maximum contribution for XXXX. Either direction costs me money and I was trying to be proactive to begin with. The people and policies at XXXX XXXX are criminal and derelict. They purposefully dish out incorrect information in an effort to generate fees and have totally failed at any standard of fiduciary duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
Commonwealth Financial keeps calling me on my cell phone over and over. Each time I speak to a rep there, they claim that they do not have the number they are calling in my system, yet I use my cell phone to tap the incoming number when I 'm calling them back. I have asked them numerous times to remove my number since I have no business with them and they have no business with me. Please help me make them stop calling my phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 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: TX

Complaint narrative:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX XXXX XXXX letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 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: GA

Complaint narrative:
I checking my credit report There is collection agency reporting information that is not mine I am retired and have XXXX and XXXX and all my medical bills are paid 100 % I have received no correspondence from this collection agency whats so ever

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
After review of the letter of XX/XX/XXXX in which it is stated a credit for XXXX was posted on XX/XX/XXXX statement is incorrect! This is a reversal of the debit that was on the XX/XX/XXXX statement! There were XXXX charges XX/XX/XXXX and XX/XX/XXXX and XXXX credits XX/XX/XXXX and XX/XX/XXXX they cancel each other out! No credit for the travel insurance was issued for XXXX. In addition I find it difficult to believe a person working in corporate complains does not seem to understand debit and credit! Or was this purposely done to appease CFPB and not reimburse for the trip cancellation. If management has been informed why is this being fought! Someone must understand debit and credit! Trying to pass off that credit as a credit to the account when it was a credit for the rebill XX/XX/XXXX statement does not smack of honesty on the part of Capital One! Please sent a check for XXXX and correct the finance charges because of the average daily balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 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: FL

Complaint narrative:
false information, this collection it 's not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
sent letter requesting verification of debt a month ago still no reply also the debt was removed by previous collection agency because of lack of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: D2 Management LLC
State: GA

Complaint narrative:
Received a call at XXXX on XXXX XXXX, XXXX. After they verified i was the right person they then begun to dun me about a XXXX Mississippi hospital bill with a balance of XXXX. I asked when the service date was and was informed it was XXXX. Really XXXX I told the collector that the bill was not only out of statue of 7 years but 17 years old. I was then informed that I would pay voluntary or they would sue me. Really i asked i then stated to the collector the same information back. I then asked if that is an account they would sue and was assured it was. I then let the collector that I had been in collections for 30 years the last 15 in a collection law firm and I would be contacting the CFPB on his violations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
Commonwealth Financial Systems agreed to settle a {$4000.00} debt for {$2000.00} if I set up automatic debit from my bank account for {$100.00} a month. They also agreed that while in good standing they would remove this negative line from my credit report. After 2 months of paying I called because I never received official notification of the agreement. I asked for an official statement or letter and they said they could n't send XXXX. At that point I said I wanted to stop all payments until an official letter was delivered and they said ok. The next month they took the money out again and I called and said " I am not authorizing you to take money anymore please stop. And they continue to take {$100.00} out of my account every month. I do n't know what to do because they wo n't stop taking the money after I asked them multiple times to stop until the agreement could be official. My bank said they can not stop the automatic withdrawal and Commonwealth Financial Systems will not adhere to my demand to stop taking the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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: Ditech Financial LLC
State: NC

Complaint narrative:
My public record is showing a bankruptcy on my credit that does n't belong to me, it was my ex-wife 's. It was disputed by XXXX and I sent a letter to XXXX disputing it as well and was removed almost 2 months ago. About 2-3 weeks later, it showed back up on all XXXX credit bureaus again after I had received confirmation that i had been deleted. Ditech Financial, the bankruptcy company, had it put back on, and They are n't even the ones who the bankruptcy was with initially with my ex wife.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
Our mortage was thru, XXXX, green tree took over the management, and continues to harass us, and threaten us, with civil action, consistent with their recent court loss for these same practices. They say we owe them money from non payment which is false. They have tried to modify our loan payment, and until recently called, daily, threatening us. 

We are current on our pay, mets. And have never missed a payment with them. What did happen is this. In/on XXXX 2014 we made our payment to XXXX. A day or two later we received a demand letter telling us, that green tree was now our mortage handling company. I forwarded a letter explaining that I had already made my payment to XXXX, I recently went to my credit union and retrieved the paper work, proving payment to XXXX, and forwarded that paper work to green tree. After providing proof of payment, we continue to receive demands for late payments, and they keep charging us late fees, for our payments, which were made on time, every time. 

I do not appreciate gree trees aggressive tactics, and am aware of their recent court loss of XXXX XXXX for this very same tactics. I have XXXX intentions of paying more then my mortage payment, or paying alledged late fees, for payments made on time, monthly. 

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 2016-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
I made all the payments on my 20 year loan. Now Ditech says I owe them another $ XXXX in service fees. Ditech can not provide an itemized list for the service fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
On XXXX/XXXX/2015 at XXXX I was contacted by someone stating that they had a criminal complaint and were looking for XXXX XXXX. The person on the phone verified my contact information and stated the an officer was coming to serve me the next day. I informed the gentleman that I do not have any reasons to have any criminal complaints against me and said sure I will be here. He then asked " did the attorneys contact you, at which I replied no. At this point, I told him that I did not have time to play games with him. He put me on hold to supposedly get the attorneys and I hung up. I XXXX the number that he called from which showed up on my caller ID and it was listed as the fax number to the Arizona Superior Court in XXXX XXXX - Juror Information. Less than a week after this call I received a letter from GreenTree Servicing referencing a debt that had passed the statue of limitations and was removed from my credit report. The letter was dated XXXX/XXXX/15. Once I received the letter I called the phone number listed and it was the exact same person that called trying to threaten or scare saying that I had a criminal complaint saying someone was going to my house looking for me. I told him that as far as my knowledge this was no longer on my credit report and had been taken care of. I asked him to send any documents that he had verifying the debt and I would look it over with my attorney. Which GreenTree did not. Their letter states that the consumer has 30 days to submit proof. The entire actions of Greentree servicing from the start was deceptive and misleading in nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My payment has always been under {$2100.00}. My XXXX XXXX was for {$5100.00}. The tax bill sent was for the entire parcel of multiple units. I notified Ditech immediately. They basically told be it was my problem. I contacted the XXXX XXXX Tax board and provided Ditech with the contact phone number. I have continued to make {$2100.00} payments. They have not addressed the issue. They are also charging me for insurance with is paid to the association as is customary. They are charging me late fees and reporting my payment late to the reporting agencies. I have talked to several Managers. Most recently XXXX XXXX at ext. XXXX. He has done nothing to help and does not return my calls. This Company seems totally without concern or customer service. I want so bad to get away from this Mortgage Company but they have ruined my credit so I can not refinance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have had a mortgage with Green Tree financial for well over XXXX years. I have tried numerous times to get them to refinance for a lower interest rate. I have had some ups and downs but over the past XXXX years we have been perfect, but yet they say they do no refinancing on existing loans. I have been paying 13 % on a mortgage that is crazy. I have vehicles and much more that have qualified for 5 %, but yet I ca n't get them to respond. Being bad is XXXX thing but this is really taking advantage of people and really bad business. I just wonder how many people they are really ripping off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
On XX/XX/XXXX I entered a bill pay with XXXX XXXX in the amount of {$3000.00} towards principal on my Ditech account. The money was received by Ditech and credited to my mortgage account on XX/XX/2016. On XX/XX/2016 Ditech said they returned the money to XXXX XXXX for insufficient funds. This was an electronic transaction from XXXX XXXX so how there could be insufficient funds is a mystery to both me and XXXX XXXX. On XX/XX/XXXX I received a letter from Ditech stating that a payment of {$1000.00} had been returned for insufficient funds and a {$20.00} fee charged to my account. 
Since this time I have made a dozen calls to Ditech, two of which were three way calls with XXXX XXXX. ( I 've made three calls today. ) I was told that customer service representatives are not allowed to forward calls to supervisors on Mondays. Both XXXX XXXX and I have asked for a routing number or copy of the check for the return payment to XXXX XXXX. We have been told by Ditech they do n't have access to routing numbers or specific information about a returned payment. Ditech took 30 days to investigate and sent me a letter stating that the {$3000.00} had been returned due to insufficient funds with no proof of the return. Note that this is a different amount than the original letter. 40 days ago Ditech asked for and was sent a statement of the last 30 days of my account. The transaction is referred to as XXXX on my account. 
Ditech has stolen {$3000.00} and has not returned it. Ditech refuses to assist in finding where the funds have gone. This is theft and fraud. 
I have my bank information regarding the time frame in question as well as a proof of payment from XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: WY

Complaint narrative:
We were turned over to XXXX XXXX XXXX in XXXX and were told that before they would service our loan we had to do a new loan, in XXXX XXXX offered us a modification and only reduced our payment by {$100.00} and then told us we were late on paying and then tried to foreclose. We had to pay them over {$10000.00} to keep our home, then in XXXX XXXX dumped us to Green Tree Servicing, they have told us ever since that we have been late on paying when we have not been, they charge a fee every time we pay them. In XXXX I lost my job due to illness and in XXXX of XXXX we had to file Bankruptcy. Green Tree immediately turned nasty, they tried to get the relief of stay lifted and then withdrew the request, after they lied to their attorney and he dropped them. We paid on our mortgage through XXXX of XXXX, since XXXX of XXXX we have put in hardship letters and modification paperwork and Green Tree has repeatedly come back with XXXX excuse after another why it can not be done, to date we have put in over XXXX requests for modification, we even went through the HAMP Resource Center and they stated that since the requests and replies for modification were non-HAMP there was nothing they could do to help. Green Tree has offered XXXX modifications that we can not afford at this time, our only income is my wife 's XXXX, I have applied for Social Security XXXX but have been turned down XXXX. Since then I had to engage an advocate service and now we are waiting for a hearing. In the past week Green Tree has called us and told us we had to pay in order to get a modification approved. We ca n't afford to move because even the rents in our town are as much as our payments. We do not feel that Green Tree is being sincere about helping us, we even got a foreclosure letter from an attorney the same day that we received another modification package from Green Tree. We ca n't sell our home due to the fact that they are still building new homes in our area and no one wants a XXXX year old house. We feel that Green Tree has violated almost all of the conditions of our mortgage agreement, we have requested documentation of who owns our mortgage but to date we have not received XXXX shred of documentation except for a copy of Green Tree 's servicing document from XXXX. Green Tree keeps changing who we need to talk every XXXX months and then we have to start all over again. They are the worst company I have ever come in contact with, they have no knowledge of mortgage issues or how to do anything mortgage related. They keep making demands but do not offer to really help. We hope that you can offer some insight in to what we can do with these people. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: NV

Complaint narrative:
Ditech calls repeatedly on my home phone and our cells, even though we have repeatedly asked them NOT to contact us via phone. We are not behind on our mortgage payments. I am tired of the daily harassment!

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 2017-01-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I sent a certified letter dated XX/XX/XXXX, requesting verification of debt, for my XXXX son, per the Fair Debt Collection Practices Act. A copy of my Power-of-Attorney was enclosed. They received the certified letter on XX/XX/XXXX. They have not responded to the request. I do not believe this debt to be legitimate. I have also sent a dispute to the XXXX major credit reporting bureaus. They have stated that they believe the debt to be his and have not removed the debt from his credit report. I have since talked with XXXX further, in regards to this debt, he stated that he did receive a call from them one day stating that he had to be on the debt. Due to his XXXX, he felt pressured and unsure of how to handle the call. This call was made XX/XX/XXXX, after they received the request for verification of debt, a copy of my Power-of-Attorney, and my contact information. They have never sent him anything to sign or any disclosures in regards to the debt. The debt had already been incurred at the time in which they had contacted him, as it originated XX/XX/XXXX.

Company response to consumer: Closed with explanation