vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I am writing to express my concern about Scottrade Bank when my online account was hacked while I was overseas. At this time I had both a Scottrade Brokerage and Scottrade Bank account. I reported the fraud to Scottrade and was instructed to provide a police report as well as other materials which I did. I respectfully requested Scottrade cooperate with the law enforcement agency but they refused and stated I must go through an internal appeal at Scottrade. When I inquired on how to submit a formal complaint for internal review, Scottrade stated that " Corporate HQ '' would get back to me. Well " Corporate HQ '' did not get back to me and after 20 phones calls, numerous certified letters, and complaints with third parties, Scottrade vaguely informed me that I would have to submit an appeal in writing, which I promptly did. 

What Scottrade Bank failed to inform me about was that there was a specific Scottrade Bank form for disputing fraudulent transfers and or hacked accounts available here : XXXX I am unsure why Scottrade did not follow their own procedures for dealing with hacked accounts but I am sure that Scottrade 's failure to follow appropriate procedures appear to be an abuse of their position in an effort to avoid liability for the hacked accounts and failed database protections. 

I am writing to the CFPB because Scottrade refuses to acknowledge or respond to any of my complaints and I am kindly requesting Scottrade provide me an opportunity for a de novo review of the situation. I have provided Scottrade with a completed account activity dispute form and will be expecting a response. The dispute form is available here, XXXX, and Scottrade Bank has written policies about how to process the form. 

If Scottrade refuses to provide the requested documents and take appropriate action, I am specifically asking Scottrade provide me with a copy of the original arbitration agreement ( if it exists ), a request that Scottrade has refused to respond to on over XXXX different occasions.

Company response to consumer: Closed
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SQUARETWO FINANCIAL CORPORATION
State: FL

Complaint narrative:
Received a voicemail from a woman asking me to call back about a debt, but did n't identify mini Miranda, nor who she was looking for and my outgoing voicemail message does n't identify anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: PA

Complaint narrative:
No access at all to Rushcard. No web, no automated, no atm ... They 've been making promises to correct the problem since last Monday. My phone is now off and my children cant return to daycare until paid which means no work. They need sued

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was never sent notice of this debt, it just appeared on my credit report. Furthermore this debt is not mine or is older than 7 years old. 

No debt validation was given or sent or a notice that this account was going to be reported to a credit bureau. i would like proof that this account is mine by company furnishing original signed documents, all payment history if this account is mine, and date of last delinquency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
Opened collection XX/XX/2013 when I was XXXX about a gym membership that was in my mothers name not mine. Have never once sent me any information but is on my credit score. Have looked at reviews on this collection and reviews say it 's fraud all asking for the same amount of {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: One Technologies, LP
State: WV

Complaint narrative:
I called to cancel this membership. I do n't even remember calling them. That is not to say that I did n't ... I just honestly do n't remember. When I called to cancel and get {$39.00} refunded to my credit card I was told that it would be placed back in my account in 3-5 business days. That never happened. THen I received an email saying that the request was not approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: D2 Management LLC
State: TX

Complaint narrative:
i recieved a call XXXX trying to collect from an XXXX account. d2 management is the company trying to collect. XXXX according to CFPD.gov is not allowed to collect or sell the accounts to third parties and im recieveing a call as of XXXX/XXXX/16 demanding payment on loan. I explained im filing a complaint with CFPD.GOV against d2 management and she stated that she will be putting me on a do not call list!!!!

Company response to consumer: Closed
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: NC

Complaint narrative:
I paid XXXX XXXX in full as they cancelled my account because we had a conversation and I found out someone fraudulent ly entered my account and tampered with my service. So the account was cancelled by them and I paid them only what I owed them {$21.00}. Professional Credit Service wanted another {$800.00} and I contacted them and disputed the entire account as I had paid XXXX XXXX in full. Then Professional Credit Service changed the amount to an additional {$80.00}. but I had already paid XXXX XXXX and the payment was accepted as the check was deposited. I disputed the collections on all XXXX credit bureau reports and they would not remove it. I do not owe them any monies!

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 2015-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I applied for a line of credit with XXXX XXXX, and this company posted an open collection. 

I NEVER received any notice of any debts, ever. At ANY address I 've ever used. 

This was also NOT my debt. 

They claim it to be from XX/XX/XXXX, but I have never incurred any debt, anywhere. So I researched this company with HORRIFYING results. They 've been harassing, falsely opening accounts, and using illegal tactics to get money since well before XX/XX/XXXX. And they 're still somehow allowed to continue operations with their multitude of consumer and legal issues being well known for years now. 

After finding them through XXXX, the real struggle began. Their Cudtomer Service is ALWAYS down and the voicemail for XXXX is ALWAYS full. Leaving no way to contact them. I had called them over and over to no avail. I had to dial in random extensions until a human finally answered. When I FINALLY got a human on the phone, I was told that I had to send ONLY them a written complaint by mail. 

THERE WAS NEVER ANY MENTION OR NOTICE SENT ANYWHERE OF A RIGHT TO DISPUTE, NOT ENOUGH INFORMATION ( EXACT DATE WAS NOT FURNISHED ), AND I 'M POSITIVE THIS IS NOT MY DEBT. 

I am certain that complaint would fall upon deaf ears and blind eyes. I prefer to report them to an agency that will actually investigate them and their decidedly unscrupulous business tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: FL

Complaint narrative:
i built a modular home on XXXX, fl. in XXXX county. triad financial handled to loan. florida law changed XX/XX/XXXX to allow titling of modular homes if XXXX criteria are met. it must be modular AND on a mobile home lot. zoning for the lot i built on does NOT allow mobile homes. i informed triad that it can not be titled. they did so anyway and charged me for the fee. i visited the dmv office in XXXX county. they told me it should not have been titled but was at XXXX. they assured me they could get it fixed and issue real property designation. they called later to tell me they can not do so while triad has a lein on the property. triad could transfer the lein to the land but will not do so. the home has been declared permanent by XXXX county and the state of florida. i can not refinance without real property designations i should n't even need to aquire. the home is permanently affixed to the land. i have n't been able to find anyone else that will finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 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 have repeatedly stated that this is NOT my debt yet I have not been provided any information as to why they think it is mine. This is in connection with a debt for a " XXXX XXXX XXXX ''. I have never gone to an XXXX since living in XXXX. This is NOT my debt. I am asking for the last time that I be provided information / signature, SOMETHING that makes them think this is mine. I am prepared to file this with an attorney and sue for damages as well. I need to hear a resolution back by XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
BNY Mellon implemented a monthly account fee for HSA ( Health Care Savings Accounts ). 
This fee is for any balance below {$5000.00} and was implemented AFTER these accounts were set up through my employer. By LAW I can only put {$3600.00} in this account in a single year and I am being penalized by BNY Mellon. I submitted this complaint a few days ago, but I can not find it. The ref. number is : XXXX BNY Mellon has a service contract with XXXX and is servicing 100 's of thousands of new customers with HSA accounts. This fee will give them automatically several million dollars in new revenue each month. This fee targets low income people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 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:
XXXX XXXX XXXX owned this debt with account number : XXXX. I contacted XXXX XXXX XXXX to verify this account that was not being reported accurately on my credit report. XXXX sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " Commonwealth Financial '', I contacted them several times to dispute this account that had been closed. Commonwealth did not respond to my debt verification disputes for the past few months. Commonwealth resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly Integrity Solution Services ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. Commonwealth has been ignoring my mail correspondence regarding the validation of this debt, and sold it again. 
Now commonwealth financial systems is reporting again with a new account number for the previous deleted collection. 
New account number : XXXX Old account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
The number I 'm being called from is XXXX. The collectors hang up when I ask for an address to write a cease and desist letter Ability Recovery Services

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Commonwealth Financial only recently has placed a collection on my credit report in which this does not belong to me, as I have not had any medical done in more than 4 years. I have never been notified of this debt, shown validation of this debt and just all the sudden showed up on my credit when there has not been one thing prior about this on my report. This is fraudulent and against Fair Credit laws

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
My signature was copied and used on a promissory note by a financial aid officer at a XXXX in 2002. I was informed by an unknown person that this suspect was being investigated ( during this time frame ) by a voice mail left on my answering machine. I was asked to call. I was too sick to return the call at the time and actually forgot about it until my XXXX refund was intercepted by ECMC. I explained the situation to them and they asked for proof. The school has changed names, all of the staff have been replaced and no one can provide the answers that I need. I am left to struggle with a meager XXXX that has also been intercepted by ECMC and currently on XXXX. My utilities are months behind ; because I was expecting my tax refund. The XXXX informed me that ECMC should never have been involved ; because I was under forbearance for other loans and was also a student. It has been a nightmare that has caused my life to take a downward spiral. I need help please.I am also 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 2016-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I paid my loan off as agreed with GreenTree Servicing now Ditech Financial 's attorneys. The certified check was cashed on XXXX XXXX, 2016 and I have not received a release of loan and lien on property despite repeated requests. 

*Please note that GreenTree bought my loan and then began trying to collect on an amount larger than the loan purchased. GreenTree harassed me at my office and was the cause that I was laid off after GreenTree harassing the Vice President where I worked. Even though I mailed my check each and every month GreenTree assessed my account for GreenTree home insurance ( even though I provided proof to GreenTree that my personally paid insurance with GreenTree as a lienhold was in force ), assed penalties, assessed interest on penalties, and other " corporate fees '' not allowed by my original loan. Greentree spent two years trying to foreclose on my home, even though I had never missed a payment ( GreenTree had an account where the payments were held, but not applied to my loan ). GreenTree was trying to foreclose on a home improvement loan of $ XXXX for a house valued at $ XXXX. 

DiTech 's contact information Ditech Financial LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DiTech 's Attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I have notified World Finance that I was a victim of Identity Theft, my wallet was stolen, I provided World Finance with a Identity Theft Affidavit. To date, World Finance has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Except for a 3 year period between XXXX and XXXX I have paid additional principal amounts over and above the minimum amount due on my mortgage for the past 12 years. As a result of the increased payment amounts the loan is nearing payoff and according to my records the loan will be fully paid in approximately 8 months. All payments have been made on the loan on time and there has never been a late charge assessed by the lender during the life of the loan. After recently acquiring the loan and for the past 3 years Ditech has withheld applying the additional principal amounts they received each month by suspensing them in an " Unapplied Funds '' hold. By withholding applying the additional principal amount from the loan Ditech has increased the principal loan balance by approximately {$1000.00} and has increased the total pay-off amount of the loan by approximately {$4500.00}. There is an approximate amount of money in their unapplied funds account of approximately {$3500.00} not recognized in a pay-off demand statement. Ditech must apply the additional monies they received over and above the minimum amount due back to the starting date of their receipt of them 3 years ago and they must correctly re-amortize the loan to reflect the additional principal amounts they received. To date Ditech refuses to provide a detailed amortization schedule with running principal balance total and an accurate accounting of amounts currently suspensed in an unapplied funds account.

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 2016-03-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I have paid my mortgage through online banking for years. My mortgage has been sold from XXXX to Greentree to Ditech. My mortgage company, Ditech has tacked on late fees and unauthorized charges. I have not been late with my payments, yet they put my payments in an unapplied funds and the monthly balance never goes to XXXX so these fees keep adding up to where my statement says I 'm two months behind, Now someone is coming to my house and cutting the grass when we are not there and I feel they are going to add some more charges to my account. I stopped answering their phone call because they were not trying to help solve the issue and the represenrtative was rude and they call and harass us at all times of day and night.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Ditech apparently increased my mortgage payment by about {$53.00} due to escrow changes. I inadvertently missed that for the XX/XX/XXXX payment and paid the prior amount ( {$1000.00} ) as that is what my automated bank payment had been set up to do. I then sent a second payment for the balance ( {$53.00} ). Despite this they claim that they can not process the {$1000.00} payment and that I now owe a {$44.00} late fee. I 've never been late and this was a simple oversight for a small percent of my monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have been paying my mortgage twice a month by automatic debits with no issues, on XXXX/XXXX/16 {$2400.00} was debited, {$1000.00} more than should have been deducted, I spoke to a representative assigned to my account XXXX, XXXX at XXXX explained the incident and he said it was a mistake and that it could be fixed, he instructed me to fax a letter with my request, which I did to XXXX, I did not hear from him for 3 days and he claimed that he could not find the letter I faxed. after going back and forth with no result, I finally gave up and told him I did not want the money returned to my account, as it would be to late and I would not be able to pay my mortgage taxes by the time they would returned the {$1000.00}. XXXX indicated to me that my mortgage was up to date until XXXX 2016, subsequently I was paid 2 weeks later, I paid my taxes online and 3 days later they deducted another {$1100.00} leaving me with insufficient funds, I attempted to call and speak with XXXX but now they refused to connect me to him, I do not have time to explain myself to another representative as he was familiar with my issue. I have been unable to pay my taxes and there is a certificate that will be issued after XXXX XXXX, 2016, the reason I was not prepared to pay my mortgage taxes this year is because I was presented with a hefty IRS bill this year that I was not prepared for. I paid online {$1100.00} on XXXX/XXXX/16 I am assuming the prior deduction and the monies I sent on XXXX/XXXX/16 will cover the XX/XX/XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation