vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CO

Complaint narrative:
On XXXX XXXX 2016 I noticed XXXX transactions related to my " Fidelity '' checking that I did not make. The XXXX transactions totaled approximately {$970.00}. I contacted " Fidelity '' and they cancelled my debit card and issued a new one the customer service representative said it would be turned over to their fraud department for investigation. I was advised it would take 10-15 days and a letter would be sent out. I received the letter advising me they determined the charges were valid and were denying my claim. This is XXXX! I was no where near where these charges were made. I 've called the card services number XXXX ext XXXX XXXX ) and my phone calls have gone unanswered. I called the fidelity service and was told that they would have someone call me. The XXXX charges that were processed and that I am disputing areas follows : XXXX # XXXX XXXX, CO {$860.00} XXXX XXXX # XXXX XXXX, Co. {$96.00} XXXX XXXX XXXX # XXXX XXXX, Co {$18.00} XXXX # XXXX ( XXXX ) XXXX, Co {$3.00} I noticed these on my account on XX/XX/XXXX and contacted " Fidelity '' the same day. I do n't just have {$970.00} laying around to pay bills and not sure what their investigation revealed or how they could determine these were valid charges. Their not valid charges and I did n't make them. I 've been trying to contact them so I know what their investigation found. For instance what was the date and time of the transactions, what was purchased at XXXX that cost {$860.00}, what did I purchase at XXXX XXXX for {$3.00} is this for real? Not to mention the XXXX {$96.00}. Then the charge for the XXXX in XXXX, CO for {$18.00} since I 've never eaten at XXXX. Let 's just say I 'm XXXX with Fidelity and will be moving all of my accounts to another financial institution. In the meantime I need to recover the {$970.00} to pay bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: OH

Complaint narrative:
My issue is that there are several debit transactions to a XXXX binary options broker that turned out to be fraudulent. The merchant, that is, turned out to be fraudulent. It is illegal for this merchant to do business with United States citizens unless they are regulated and licensed with the CFTC. They are not regulated or licensed with the CFTC, but the merchant lied to me and said that they were. I only found out they were fraudulent when I tried to make a withdrawal of my funds and instead they locked me out of my account. The merchant stole my money! 

I originally filed a dispute for these transactions as unauthorized transactions because the merchant was n't authorized to do business in the United States. Therefore, I thought that 's how it needed to be filed. I should have disputed under a different category. Regardless, I do n't think there was too much investigating into my case. 

They also closed my account for filing a dispute!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: D2 Management LLC
State: AZ

Complaint narrative:
I 'm receiving calls from D2 management at XXXX out of South Carolina. I have asked for them to send a verification of debt and they refuse. They have threatened to sue me and they wont stop calling me after I gave them a verbal cease and deist. They also hang up on me immediately after my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
I have made reasonable attempts in writing to contact this debt collection agency after finding their contact information on my credit reports. I have requested valid documentation to show that this is indeed my debt and I should pay it. I have received nothing except a billing notice with no pertinent information to show what services were provided. I have made an attempt to contact the original service provider and they did not respond to me. I am unwilling to pay a debt I do not owe. Ability Recovery Services are reporting unsubstantiated claims on my credit file. I have given them ample opportunity to resolve this issue with me directly and they have not done so. I am of the opinion that this is a fraudulent attempt to collect monies that are not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 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: OH

Complaint narrative:
I have a a unverified account from. I had previously disputed this account. I have never done business with COMMONWEALTH FINANCE # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt COMMONWEALTH FINANCE purport I owe. I request that COMMONWEALTH FINANCE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that COMMONWEALTH FINANCE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Greentree and now Ditech both have failed to properly apply extra monies from my monthly payments to principal. After numerous complaints to them to correct the issue I still do not have my account updated and corrected. 
- Writing how to apply funds on check and statement and mailing it. 
- Calling and having them to document it. 
- Using their website ( auto pay ) they took more than authorized twice. 
After going them the required 30 days to look into the matter, they sent me a payoff quote that was no different than what I could pull off their web-site. There was no adjustment and no comments on looking into the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: WA

Complaint narrative:
Debt was not mine, was removed years ago after the results of a validation/investigation removed it from all credit reports. Debt collector never sent a notice that the debt would be re-inserted into my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 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: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
XXXX placed me in collections for many years for service I never received. Servic was initially requested then canceled the following day. XXXX techs never came to my house to provide the service since I had cancelled it. I was charged. I called multiple times to inquire on the fee in a statement. I was assured it has been taken care of and to ignore any future statements. Months later after follow calls, I was sent to collections. 

Few months ago I decided to pay since it was hurting me for so long. I now reach out to the bureau after learning about my rights. Please advise. 

See Collection contact info. below : DEBT RECOVERY SOLUTIONS XXXX XXXX, NY XXXX ( XXXX ) 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 2016-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
XXXX XXXX, 2016 Formal Complaint To : Ditech XXXX XXXX XXXX XXXX XXXX, SD XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX In regards to Ditech Loan number : XXXX Property address XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom It May Concern ; On XXXX XXXX, 2016 my automatic mortgage payment to Ditech was scheduled for the XXXX of each month had not been pulled from my bank account, because of this I called Ditech and was told due to a change in Ditech 's autopay system that my original autopay was cancelled and I would need to pay my bill on line and later set up a new autopay. With that in mind I made a one time payment online, however my autopay which was set for the XXXX of the prior month was not cancelled and instead ran on the first of XXXX along with the one time payment I made online. On XXXX XXXX both my husband and I received phone calls from Ditech explaining the mistake and stating they would be wiring funds back to my bank. I have not received those funds yet. On follow up phone calls to Ditech I have been told both that the funds were wired on the XXXX and they were n't able to give me any form of Federal Reference number and that their seems to be some conflicting information causing them to think the funds have not been wired to my bank. Each time the representative or supervisor states they need to send an email to the back office who processes those transactions and will get back to me. I began calls to track this down with my bank on XXXX XXXX, 2016 and began escalating to supervisors at Ditech on XXXX XXXX. I have still not received any calls regarding the location of these funds. 

As a separate complaint, on Tuesday XXXX XXXX, 2016 I was speaking to a supervisor by the name of XXXX, who I believe intentionally disconnected the phone call. I 'm highly disappointed in the service we are receiving regarding this matter, the inconsistency in the answers I receive and the fact that we still have not received these funds back. 

Today is the XXXX of XXXX, if you had not received my monthly mortgage payment by now you would have charged me {$55.00}. Will Ditech be sending me an additional {$55.00} as a late fee for holding my money? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX, UT XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXXXXXXXXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OK

Complaint narrative:
Greentree/Ditech financial group sent me a repossession notice appx. 30 days ago for an insurance amount that was cancelled the date it was paid off. The original amount was XXXX, but the repossession amount on the letter was for appx. XXXX. A payment of XXXX was sent via XXXX on XXXX XXXX, XXXX. Payments were posted as follows : XXXX : {$29.00}, XXXX : {$29.00}, and XXXX : {$120.00}. I received another repossession notice today stating that a payment received of {$29.00} was a partial payment and they were continuing with the reposession ( which should be in the next 48 hours ). The loan was paid off in XXXX of XXXX with a remaining bal. of XXXX. XXXX principal, XXXX interest and XXXX insurance. Original note was 15 yr. simple signed in XXXX XXXX. There were approximately XXXX to XXXX deferred payments. Does n't add up. I have a XXXX XXXX XXXX Grandson to raise and it would be nice to come home to a house sitting on the property tomorrow. Please help. I am uploading several forms at this time for the immediate problem. Copies of all other documents are being copied and printed. I would be happy to send them to you showing loan payments etc. It is a large file and would either need to be sent on a flash drive or printed. Please let me know which will be most convenient.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
I 'm complaining about this rush card service after being a customer for years. The last month has been simply amazing. I took my children out for family dinner night..we decided to go to bbq XXXX for dinner. We 're laughing, eating, talking having a great time out the weather is a nice night considering it was XXXX. The waitress came to our table and asked would there be anything else we would like. My kids and. I were quite full. So we asked for you the bill. It was {$120.00} I gave her my rush card a moment later she said it was declined. Could n't be I asked her to please try it again. My kids looking at me. I 'm feeling a little concerned my self now. As she came back to our table again she said I 'm sorry XXXX . It 's declined. Now of all times this restaurant is crowded. What in the world I 'm going to do. I have no money on me my rush card is all I have. Finally I had to leave my kids at the table and go talk to the manager. Feeling embarrassed and nervous I had to tell the manager there seems to be a problem with my rush card. The manager told me he was going to have to call the cops and that we would be going to jail. What I try to explain .tried to call rush no one was available to help me. I was on hold for XXXX HOUR JUST TO HEAR THEY WERE HAVING DIFFICULTIES WITH THE CARDS AND THEY WORKING ON IT. TO AVOID GETTING THE COPS INVOLVED I HAD TO GIVE UP MY CELLPHONE IN ORDER FOR US TO LEAVE and come back to pick it up when I got the money. Feeling embarrassed with everyone looking and talking I got my XXXX kids and. Left. I just could n't believe it. I called rush from Wednesday XXXX XXXX - XXXX all they could say was they apologize for the inconvenience. They working on it. Day in night I 'm calling I REALLY needed my cell phone just imagining who 's calling. I went the whole weekend with no phone. Monday came I was able to withdraw money to get my phone back. There were still problems with my rush card they could n't access my records. Did n't know who I was. Customers service had me on hold for hours just to say they experience technical difficulties. It 's been a nightmare. A nightmare I 'll tell you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Debt was sold to 3rd party without notifying me. This violates my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: GMA Investments, LLC
State: CA

Complaint narrative:
Summit Receivables contacted me from a number representing that is was coming from a local calling area. I live in XXXX XXXX, CA. The Number they used was ( XXXX ) XXXX. After receiving very threating tones and accusations from the first Female caller, I called back to speak with a " manager '', After not only being insulted and laughed at, After stating that i would not claim yes or no to the Money owed they are saying, until receiving a Document providing they had acquired the account from another company. One of my Immediate family members works for the XXXX XXXX and XXXX others for the XXXX, and i am very well aware of how much fraud occurs every second of the day. The " MANAGER '' on the phone says to me ... .VERY LOUDLY : " LOOKY HEAR WERE DEALING WITH A XXXX, basically mocking and laughing at me once again. I then Proceeded to ask him not to talk down to me in a manner as such, as I am an Intelligent person, to which he laughed at again. I stated that i am a XXXX XXXX XXXX in a private college, to which he asked " what school are you attending? ", i replied back stating that was not his information to know. Upon making that statement he said and i quote " I have your SS # i can find anything out, and PROCEEDED TO READ BACK MY FULL SS # NUMBER TO ME ACROSS THE PHONE ( ALL 9 # 's ), I further explained that anything can be obtained through the internet now a days. As i am well aware of Customer Service, I know it is Illegal for him to repeat my SS # in full over the phone, Only should the last 4 numbers be read back, or asked of me to read them to him. Not only was this company Beyond rude, they also call at all hours, Calling from numbers they have no relation to, Especially when they are located out of XXXX XXXX. I do n't appreciate anyone talking down to me, especially in a attempt to collect money. I please pray of you to handle this claim as soon as possible, after doing my own research i was able to find other comments made about the Rudeness and Threatening manner in which they conduct their phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ditech Financial LLC
State: CO

Complaint narrative:
after more than 7 years from the date of our delinquency on our XXXX mortgage and having no contact from any one attempting to collect the debt after we lost our home in a foreclosure in XXXX we suddenly have a company trying to collect the debt and they are the first company to report this debt on our credit report. We filed for bankruptcy in after our home was foreclosed on and the original creditor did not, to my knowledge, file a proof of claim- they just charged off the account since they could not collect on the sale proceeds at foreclosure They also are reporting that payments were made on the account in XXXX but our last payment before trying to negotiate a modification was in XXXX of XXXX and the home was sold at a foreclosure sale in XXXX. They may have bought the debt from some one in an attempt to collect but the statute of limitations has expired for legal action as well as the 7 year statute for reporting it on our credit report- some one has re-aged the debt by stating that there were payments made in XXXX but XXXX records show that the property was sold long before XXXX. Since our date of delinquency was in XXXX of XXXX should n't we have the right to have it removed from our credit reports .No reporting of this debt was ever on our credit report until 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 2015-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I have tried unsuccessfully to do a home mortgage modification with Green Tree Servicing. I have submitted all the documentation multiple times and confirmed that the documentation was successfully submitted only to have the company come back and say that they closed the loan application because of lack of documentation. In the last instance, they contacted me and I requested my representative to contact me as she already confirmed that she received everything. In XXXX weeks and XXXX messages later, I still have not gotten a callback and I found out that she closed the file again. This seems systematic or just general incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
In a letter dated XXXX XXXX, 2015 Green Tree Servicing sent a letter to me stating the following : " ... we have started to take the necessary steps required by law to gain possession of the creditor 's collateral ''. The issue is this : As of the date of that letter ( XXXX XXXX 2015 ) the loan was only 8 days past due, they had a future payment on file for me for the month of XXXX 2015 and all of this was verified and confirmed with their customer service representative on XXXX XXXX, 2015. I find this overly threatening and an unnecessary aggressive collection tactic. I find this type of harassment unnecessary and worrisome and would like for some assistance with this matter to stop these threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
In XXXX of this year, my wife and I started receiving multiple phone calls from Green Tree Services LLC, our current mortgage holder. The caller was stating that we were several months behind in our mortgage payments and we owed upwards 0f {$4000.00} to them. Checking our online banking statements it showed that all of our mortgage checks had been processed and we were making the monthly payments. The woman calling, XXXX, was extremely rude in the voice mails and in one of my recorded voicemails, she curses into the phone. My wife was finally able to get a hold of another representative from the company who explained to my wife that Green Tree had made a mistake and placed all of the checks they had received from us into our escrow account, which in turn showed the mortgage not being paid. They even went as far as to send notice of eviction to our home. While we were desperately attempting to figure out what was happening to our checks we were sending, the company continued with the harassing and bullying phone calls. They even went as far as to call my place of work to harass me. After they finally realized the mistake was theirs, the calls stopped. I am extremely displeased with the undue stress and harassing calls this company has caused my family all due to a mistake on their part. The quality control of Green Tree Services leaves much to be desired.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief