vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
My mortgage company Green Tree Servicing LLC changed into Ditech Financial and I have been charged false " late fees '' even when paying before the date specified. My statement say " a {$27.00} late fee will be charged if paid after the XXXX of the month ''. I paid by XX/XX/XXXX last month and did have real late fee that I also paid in FULL and my statement for XX/XX/XXXX says I owe $ XXXX+ in late fees!!!! FOR WHAT?!?!?! It is robbery and makes no sense. They also just went up on our payments for escrow and I 've been reading alot of complaints about this company. I feel as if I am being played with, stolen from and I can not afford this! They should be out of business!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
My mortgage company ( greentree services ) has been ripping us off. We bought our home in XX/XX/1999 at {$55000.00} with a 6.5 interest rate and 30yrs. They say we still owe {$44000.00}. When we looked at our account on their website it clearly shows they are charging us a 10 % finance charge. Our monthly mortgage is {$560.00}. {$310.00} go to interest fee and {$110.00} go towards our payment. Now I 'm not the smartest person but I do know that this is not right. What can we do because after living in the home for 15+ years they 're saying we still owe {$44000.00}. Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: ND

Complaint narrative:
I reviewed my credit report supplied by XXXX. In the report I noticed incorrect information and attempted to dispute the reporting. An Educational Credit Management Corp. was the reporting agency. I mailed correspondence disputing the debt, however, the mail was returned as not deliverable, unable to forward. I utilized the mailing address provided in the report. This reporting situation is criminal by violating the FCRA and negatively impacts my life. 
I am attaching scanned images of : the credit report and the returned mail. Please investigate and prosecute as required. I have requested XXXX investigate the issue. 
Thank You

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 2016-04-27 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: FL

Complaint narrative:
I requested validation and nothing has been received and it has been some time. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
the law offices of suttell, Hammer & white sued me and got a judgement against me on time barred debt and now my check is being garnished

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
I went to XXXX XXXX once. I paid a fee on the day of the appointment. The office was suppose to bill my insurance company. The office did not bill the insurance, and sent my account to collections. I notified the collection agency that my account should have been billed to XXXX. XXXX XXXX finally filed my claim. I owed an outstanding balance, which I quickly paid. However, I refused to pay the late fee. I wrote in my letter that I would make payment in full less the late fee. I wrote that the check enclosed would constitute payment in full. The collection agency accepted the payment but billed me again for a late fee, and the late fee had increased. I wrote them back again explaining that the late fee was not my fault, XXXX XXXX failed to file the claim. The collection agency sent the late fee claim to the credit bureau and my credit score has decreased.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
The collection agency obtained a judgment against me only for medical bills associated with the birth of my and my ex-husband 's daughter even though I was legally married when she was born and covered under my husband 's medical insurance. I contacted them approximately 1 month ago to explain the circumstances of the bill, that the judgment should be against us both, that according to a court ordered divorce decree dated XXXX/XXXX/XXXX, my ex-husband is responsible for those medical bills, that I am currently on welfare ( food stamps & OHP ), that he is almost $ XXXX in arrears on child support, that he has no parenting time with the kids, I have no family to assist in the area, and I only work XXXX hours per week supporting the kids completely on my own. 
Last week, my employer and I received a garnishment for {$2900.00}. The judgment is dated for XXXX/XXXX/XXXX and the bills are from on and around XXXX/XXXX/XXXX. They want to take up to XXXX % of my wages for medical bills that are over XXXX years old for my daughter 's birth when I am having difficulty financially supporting them now. I was told that it is perfectly normal to take legal action against only me for the medical bills and that I should hire an attorney. Clearly I can not afford that. Please help! This is completely discriminatory against me as the mother and disabling to my finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: SC

Complaint narrative:
Received a replacement card from Rush Card and can not activate my new card. Rush Card has been stating for the last 11 days that their system is down .... It is nearly impossible to reach somebody over the phone and when I do I get hung up on or told nothing we can do and we do not know when the issue will be resolved. Rush Card also does not respond to my e-mails either. Terrible service!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SQUARETWO FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX at one time two collection agency XXXX and Cach LLC was trying to collect from me for the same credit card, after contacting court and you ( CFPB ) one of the attorney from XXXX contacted me and I am actively paying them, Cach LLC continue to send letters with the same account # and different amounts, every time they call me I tell them I am already working with XXXX. at this point I feel they are harassing me, they are also on my credit report, I would like to have them ( Cach LLC ) off my credit report and stop all the unnecessary collection letters

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 2016-01-07 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: PR

Complaint narrative:
Have an account with Scottrade for years. Suddenly after all the fees, they keep on processing trades then tell me I am longer able to be part of the Scottrade family. The problem they said I was bumping prices. I have had a small account, ca n't really raise the stock price, but on their end they have ask and bid prices which are XXXX lot of time. I see them completing trades below the ask prices, what a bunch of crooks.

Company response to consumer: Closed
Consumer complaint received 2015-10-31 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
I went to XXXX and loaded my prepaid card with cash {$250.00} and usually the funds are loaded on your account right away after transaction is completed..But when I checked my account my money was not there..I called the card company and they can not give me any answer where my funds are..They keep telling me they see no transactions of the load to my card..I am very disappointed in the services of the bank..They keep telling me it 's a glitch in the system..But do not ask for proof of transactions to help me in any way..Please help me resolve my issues..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Dear Sir/Madam, Recently, Scottrade Brokerage made the following disclosure to customers : https : //about.scottrade.com/updates/cybersecurity.htmlI would like to know if Scottrade Bank was also involved in this databreach. 

Sincerely Yours,

Company response to consumer: Closed
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: APEX Asset Management, LLC
State: FL

Complaint narrative:
: Apex Asset Management Inc, XXXX XXXX, XXXX PA XXXX Placed derogatory information on all three credit bureaus for {$130.00}. I sent them a letter to validate debt in XXXX 2016. They sent a copy of a bill and I have no recollection of same. Additionally, they are required to be licensed by the State of Florida to pursue credit collections here. They are not licensed. On XXXX XXXX, 2016 I sent them a letter asking for a copy of their license. To date I have no response and their information remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: MD

Complaint narrative:
I am a Rush card customer and on XXXX XXXX, 2015 My rush card was wiped clean of {$3000.00} since then I have contacted rush card representatives and XXXX XXXX and they can not tell me where my money has went, or when am going to get it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SQUARETWO FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was studying the year 2009. I went to a XXXX get my XXXX and mi SS. This XXXX start getting money from my SS. When I found out I call them and my make some payments. They told me that get evidence that I ca n't pay the loan. I sent all the evidence to them and I was paying {$5.00} after I sent all the bills they sent me a letter that I do n't have to paid no more. I moved to Ohio and then this Collection company is calling me every at XXXX am to the whole day XXXX times a day. The name was XXXX and now is CACH LLC because XXXX transfer the debt. The numbers are XXXX,XXXX,XXXX etc. When I moved to Ohio I lost that letter that proof is all resolved so I do n't have evidence to show them. Please. Help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
I made an online transaction to XXXX XXXX. XXXX and the order was cancelled almost immediately by me. I called XXXX XXXX they told me they do not withdraw the funds they only put a 3 to 5 business day hold on it to verify the funds. XXXX XXXX emailed me a confirmation that the order was cancelled and that they did not withdraw any funds. I called Rushcard Prepaid card and they called XXXX to verify the transaction was cancelled, XXXX XXXX told Rush card representative they did not withdraw any funds. RUSHCARD REP. told me your funds should be in your account by XXXX XXXX or XX/XX/2015. My funds do not show up on my account with Rush card. I call and email them and no one can help me I am told the computer is loading, they put me on hold and hang up on me. The transaction shows as pending. The amount is {$940.00}. When I log in to see my balance it shows a balance of {$11.00} and it shows pending {$940.00} when I download a summary statement it shows balance {$940.00}, but Rushcard tells me they do n't see no transaction, but when I call They tell me different stories. The transaction was made and cancelled on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: NRA Group, LLC
State: FL

Complaint narrative:
I have a # of debts that I ca n't pay. I am XXXX and depend on XXXX . It takes every cent I receive just to stay alive. I ca n't pay any old debt. In the past I 've tried to explain this fact to debt collectors but they continue to call. I receive on someday 10-15 calls from various companies. I have stopped answering my phone, very rarely they will leave messages, sometime identifying as the Internal Revenue Service ( when I 've check # 's by reverse # look up they are reported a scam or fraudulent # 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GOLD KEY CREDIT, INC.
State: NJ

Complaint narrative:
I have been in cantact with the hospital that at the time of the XXXX visit took the wrong policy # information. I informed the collection agency that the information had been taken by the billing dep of the hospital and where in the process submitting for payment. Collection agency only sent one notice and thast when i informed them of the above explained, they still proceeded to report to credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: WV

Complaint narrative:
My payroll is advertised to be deposited up to two days early. My employer submitted my funds to RushCard yesterday. They advertise when you call on the automated system that they post funds immediately when funds are released to them. I called customer service to ask why my deposit is late as it shows by XXXX each pay date. I spoke with a rep at XXXX. to ask why it was late and she responded she does n't know why I would be worried my money was missing. I asked for a supervisor immediately and she would not transfer me. I asked for another rep and she hung up on me. Now im worried because this happened before and my hard earned paycheck is missing and I have been hung up on by the company who I trusted my money with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
the year of XXXX? I was buying a car from XXXX XXXX XXXX. The cost was {$15.00}. The car was repro. Sold at auction for {$3000.00}. XXXX XXXX, XXXX and XXXX XXXX, is garnishing my paycheck. They have taken over {$20.00} from me. I am a father of XXXX children, this is a hardship on my family. If they have taken, over {$20.00}, they should give me a car worth the amount they taken from me. I do not have the car! They keep resubmitting the same paperwork threw the court, and they never show, how much they have taken from me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Home Servicing LLC
State: GA

Complaint narrative:
We have been approved for a Loan and three weeks later still do not have it ( see below ). We did supply all of the requested documents. 
Please help! 
XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX to me Hi XXXX and XXXX Your loan is approved! We have the following conditions in order to clear the file for closing. Do you think you might be able to provide by close of business tomorrow? 
Letter from XXXX stating your intent to retire XXXX/XXXX/16 Can you access the gmbenefits site and get an update printout on pension benefits? Underwriter is looking for something more recent than XXXX Copy of account statement reflecting earnest money has cleared your account/copy of the cancelled earnest money check would be sufficient Letter from estate attorney explaining the deposit of XXXX from the sale of property Name and number for insurance agent Signed attached form XXXX XXXX XXXX XXXX Mortgage Loan Officer HomeServices XXXX LLC XXXX XXXX XXXX XXXX XXXX | XXXX, XXXX XXXX Office ( XXXX ) XXXX XXXX XXXX Cell ( XXXX ) XXXX | Fax ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX If this email was sent to you as an unsecured message, it is not intended for confidential or sensitive information. If you can not respond to this e-mail securely, please do not include your social security number, account number, or any other personal or financial information in the content of the email. This may be a promotional email. To discontinue receiving promotional emails from HomeServices XXXX LLC, click here : XXXXXXXXXXXX HomeServices Lending, LLC does not offer loans in all states. 
Licensed by the Department XXXX under the XXXX Mortgage Lending Act. XXXX XXXX Mortgage License Number : XXXX. Regulated by the XXXX XXXX XXXX XXXX XXXX. Licensed by the XXXX XXXX Bank XXXX to engage in business XXXX, License # XXXX, Expiration XXXX/XXXX/16. XXXX XXXX Mortgage Licensee XXXX. XXXX XXXX Mortgage Company, License Number : XXXX. XXXX Mortgage Loan Act Certificate of Registration : XXXX XXXX ; XXXX Mortgage Broker Act Certificate of Registration : XXXX XXXX. XXXX Mortgage Lending License XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 2016 HomeServices Lending, LLC. All XXXX XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NRA Group, LLC
State: NY

Complaint narrative:
I 've checked credit report and noticed I few things I was n't aware of I 've tried to dispute the items but there still there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
i have lost my card and have been trying for days to contact Rush card to cancel the card and have another one sent out. Everytime I call I get hung up on and no response. SOmeone may have found my card and is possibly using it. I can not afford to be late paying my rent and lose the XXXX balance still left on my card. This is crazy. I have sent emails and no one has contacted me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: TN

Complaint narrative:
2 weeks ago Rushcard informed its customers that they will be having a maintenance update on XXXX XXXX from XXXX to XXXX, OK they informed us to withdraw any money from our accounts that we would need in that time frame by XXXX ( XXXX ) because during that time we would not be able to withdraw, transfer or deposit and funds to the accounts. OK here 's the problem it 's exactly XXXX on XXXX XXXX and Rushcard is still so called updating, I had {$410.00} in my account before this but now it has magically disappeared, I 've emailed them, called them and pm message them several times since yesterday XXXX XXXX around XXXX, when I try to log in using Rushcard mobile app its states either they could n't recognize my card or its locked and now they 've blocked my card it states to call customer service to have your card unlocked or unblocked but when I call I either wait on phone for over XXXX hours, or get hung up on.this is causing me a lot of anxiety and stress I have XXXX and its making things worse for me. If you get on Rushcard fb page its a lot of people going through the exact samething as myself, money missing, ca n't log on mobile site or online site, getting hung up on and we 're not getting any answers so something needs to be done, because they 've taken my money and want unblock my card so someone please help not only me but to everyone else that 's going through this ridiculous situation with Rushcard

Company response to consumer: Closed with monetary relief