vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Eagle Home Mortgage, LLC
State: CA

Complaint narrative:
With our move to California we purchased a new home using the mortgage arm of the builder Universal Home Mortgage. Before we signed a contract with the builder we made sure everyone knew our closing expectations. We had a tight deadline to be out of corporate housing and it was communicated to all parties engaged. While our loan was not a standard vanilla file, most of the documentation had to be sent XXXX or XXXX times. In many cases I would forward the prior emails attaching the documentation needed. When it came down to closing they still hand not heard from the investor so they proceeded with self funding but before they would agree to do that, they had us sign a Cooperation Letter basically stating that we would cooperate with them after the closing on any documentation needed. Once we closed on the property the list of requests started to increase, they wanted checking and investment account statements for post closing, asked for additional letters of verification from my XXXX account and then stated that some of the documentation I provided was screen copies versus actual statements ( which was totally inaccurate ). I resent all the documentation they asked for again while receiving emails asking for status of the outstanding data. The builder side of the equation was fantastic, they made our home buying experience great. The President of the building division called and allowed me to walk through the challenges we had. He suggested I send the information to UAMC 's President ( which I did, but have never received a call or email back ). The more I questioned their processors it seemed the more documentation they would ask for me to supply. Today I sent them the last piece of documentation I was waiting for from XXXX. I am hoping that I can now consider this chapter in our lives closed, but hope and pray that no one else goes through the nightmare that I went through. Multiple copies of the same information, being told what I sent was not really what I sent and questioning every aspect of the documentation. I could see someone losing XXXX or XXXX pieces of data, but almost everything had to be sent at minimum XXXX and more like XXXX times to them. Their phone interaction was short and abrupt, customer service was not their strong point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
In XXXX I requested verification of this loan with documents signed by me. This letter was accepted by Ditech on XXXX XXXX 2016. I received only XXXX letter in response but no verification. The returned letter is dated XXXX XXXX 2016. As per FCRA XXXX ( a ) ( XXXX ) this company has violated my rights and will not send verification. Ditech did not respond or mark account disputed in required 30 days from receipt of 1st letter, since then I have sent out others with no action done on their part. Attached are copies of my credit report with no comments made by company up to XXXX/XXXX/2016. 
Ditech has violated my rights and the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Innovis
State: FL

Complaint narrative:
I have a hard inquiry that was conducted by CBCINNOVIS. I do n't know who this company is and I do n't recall requesting credit from this credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
Dietech Financial, aka Greentree will be forclosing on a house located at XXXX XXXX XXXX XXXX. today at XXXX XXXX pst. They have not dealt in good faith with us and have " dual tracked '' this house in that they told us we were eligible and be considered for a loan modification. We have also submitted an offer and a short sale package to them within the time line that they set.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 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:
This collection agency placed an account on my credit report that is not mine, they never sent me any information stating that they are placing this on my credit report. I sent them a letter asking them to validate the obligation and they ignored it. They are in violation of section 809B of the Fair Debt Collection Practices Act and section 392.101 of the Texas Finance Code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 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: NY

Complaint narrative:
I received a letter about medical services. I am XXXX and unable to mail them a validation of debt notice. I have no idea where these charges came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
There are XXXX collections from this collector. The lesser XXXX is for {$540.00}. I paid this debt and asked if I could make payments on the other. They never withdrew payments towards the other, and now both debts are back on my credit report as new debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
Company keeps calling my home phone number after notifying them that they have the wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I recently received a letter from Professional Credit Service in regards to account # XXXX, which was paid in XXXX/XXXX/XXXX ( see copy of Check # XXXX attached and other billing invoices related ), the dollar amount referenced in the letter from PCS dated of XXXX/XXXX/XXXX which is a lot less than the {$150.00} paid then in XXXX/XXXX/XXXX. The account # XXXX was paid fully to XXXX XXXX care so I do not understand that almost 6 years later I am getting this type of letter. In this case It looks like fraudulent double dipping or incompetence.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
On the date of XXXX XXXX, 2016 I contacted Commonwealth Financial Services to potentially pay off a debt. After talking with a lady who told me her name was XXXX XXXX we came to an agreement on XXXX seperate debts. I agreed to this only if the " Commonwealth Financial Services '' were to email verification that the amount I was paying off was in writing. She emailed me XXXX verifications. I in return paid {$100.00} to settle a {$150.00} debt, and {$170.00} to settle a {$270.00} debt, afterwards she stated I would recieve a deletion letter. I never recieved that letter and ive called them several times. Everytime i call they tell me that they are still going to send it to me and for me to " just wait 5 min. '' Now when i call them i tell them what my name is and they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
To whom this may concern, Attached is a slightly outdated version of my tax documents. The highlighted items are fraudulent items submitted by Scottrade. Upon receipt of a police report and supporting documentation the IRS removed these items. However, shortly afterwards, Scottrade, in order to retaliate and discourage a Whistleblower, submitted them back to the IRS. 

This back and forth and the failure of Scottrade to take responsibility for their faults has caused me enormous headaches when dealing with the IRS. Essentially, when Scottrade and the IRS continue to change what it submitted to my tax return, the amount of tax owed keeps changing. Resulting in refunds, that then result in deficient payments, that go back and forth with utter confusion.

Company response to consumer: Closed
Consumer complaint received 2015-04-12 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I have been dealing with this for about XXXX years, this is the XXXX collection company that has attempted to collect this debt. I have work with the other XXXX and they determined it was not mine and ceased collection action. This company diversified consultants, reported me to the credit bureaus even though I let them know in writing before the 30 day time frame and called them to explain the situation. I asked them for the supporting documentation and they did not send anything over as I know it does not exist as it is not my debt. I have reached out to them to have them remove the negative report on my credit but they have yet to return my call or reply to me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: IL

Complaint narrative:
RushCard is full of it never again im going through the same thing again ive been on hold for over an hour waiting on a superviser to answer a question concerning my money, because the customer service person said the computors are down, they must think im stupid, if you cant get into the computer how jhowbin the XXXX the supervisor gon na get into the computer, im still on hold, this is the last tim this is gon na happen l just sent my employer my new direct deposit info which ive had the account all thr time. Why did you have to change banks? For whatever reason it was to benefit you and not the consumer, youre making money of our money. Should have stayed with XXXX. Your debit card system is no good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
Rush card did an update on their system and somehow my money magically disappeared. My balance was XXXX. I pumped XXXX in gas and my balance went down to XXXX. ( -XXXX ). I quickly withdrew the remaining balance. Last week one of my jobs deposited me a check of XXXX and my XXXX job a check of XXXX. I still have n't received either deposit. I have bills and kids and even if I did n't its my money and I need it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a reservation at a resort for ten nights in a " lagoon view '' suite and paid for it with my Chase Sapphire Preferred credit card. When I arrived and checked in, I found out that the room I had been given had XXXX twin beds and I requested a king bed. They told me there were no other rooms available that night but that the following day one room would become available which had a king bed. The hotel staff advised me that this room was on the first floor and I checked with them twice to make sure that it was the same category of room, and they confirmed that it was. It turned out that the room to which I was transferred did not have any view whatsoever of a lagoon, just the opposing building and some trees. I tried to resolve the issue with the merchant through XXXX different channels ( XXXX online, XXXX in person ), as well as posting a review online concerning the issue. The merchant did not respond at all to any of the online communications, and the person I spoke with at the resort said something like " that 's just how we categorize the rooms, lagoon and ocean view '', referring to the XXXX sides of the building, as if there was no problem with falsely advertising the room to have a view that it did not have. 

I subsequently took up the issue with Chase, providing them with a description of what had happened. First they incorrectly " investigated '' a different charge, and then they requested additional documentation from me, which I provided. Eventually, I spoke with a member of the credit card 's dispute department who claimed that because I had not left the hotel premises for the duration of the stay, that Chase would provide no remediation, even though the room description did not match the room I received and the merchant had not been responsive to repeated attempts to resolve the issue. The representative confirmed as accurate my understanding of their claim which was that, as long as I did not physically leave the hotel for the entire 10 nights, it did n't matter whatsoever what the hotel did or did n't do -- no billing adjustment would be provided by Chase. It is my understanding that this policy violates the Fair Credit Billing Act, which is supposed to protect a consumer from " charges for goods and services you did n't accept or that were n't delivered as agreed. '' Among the documentation I had provided to Chase for the dispute investigation were XXXX photos of the room 's ( lack of ) view, the original booking confirmation which explicitly states that it was a reservation for a lagoon view suite , and excerpts from the hotel 's website describing the wonderful views that are supposedly part of this room category. This establishes quite clearly what service was agreed to ( a " lagoon view '' suite ) and what service was received ( a " not lagoon view '' suite ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
this debt was discharged from a bankruptcy and I would like apex to remove this item from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SQUARETWO FINANCIAL CORPORATION
State: VA

Complaint narrative:
I did not receive documents from the original lender, the original would not respond because the account was sold. 
After many calls to the collection agency, I then wrote a letter. They refused to supply me with any documentation before I made a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: OK

Complaint narrative:
Money frozen says acct on hold since their site crashed XX/XX/XXXX. talked to dozen of customer reps promise to fix it refund it or send a check. NOTHING ever happens they intend to keep the money of XX/XX/XXXX people

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
I received an email from Rushcard stating that they will be performing maintenance on XXXX XXXX, 2015 and I will not be able to access my account. As of today I still can not access my account and my paycheck was sent to Rushcard via direct deposit but my account still shows {$0.00}. No one will answer the phone and sent a message stating that the update failed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-11 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: NRA Group, LLC
State: CT

Complaint narrative:
im not sure how my social was used in this particular situation but i would like this to be removed from my credit report. i ave tried to get in contact with this company but no one has responded. i was n't given the chance to dispute this item before it was placed on my credit report. i feel this could of got resolved without damaging my credit. i never received any proof or documentation of the validity of this debt and because of that i am requesting this be removed from XXXX of my credit bureaus. ill will be talking this to the media as well as hiring an attorney to look into this matter further if national recovery does not choose to comply with this matter. I 'm hoping we can reach a positive agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
made a transaction for {$99.00} but was double charged on accident by merchant on XX/XX/2017 ... .i spoke with merchant and they cancelled the duplicate transaction. They have even faxed over an authorization release form to RushCard. I have called rush card XXXX times and have been hung up on by XXXX reps back to back as of today XX/XX/2017. I am highly upset and displeased with how they handle their customers. i requested to speak with a supervisor over XXXX times today and was refused each time by both reps and then they just disconnected the call. I think that is very rude and unprofessional behavior. I was only trying to get them to release the hold on the duplicate transaction of {$99.00} which they have done for me in the past. But for whatever reason I am having the hardest time getting assistance. They are located in XXXX somewhere and they dont even speak XXXX. Their customer service sucks and something needs to be done to force RushCard to use XXXX customer service reps who can understand the customer 's concern and provide superior service!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
No access to my money already in account, direct deposits are n't being shown, Rushcard should be prosecuted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade a very 'discount ' ( emphasis added - you get what you pay for ) brokerage house and data sieve has provided me with some of my worst banking and employment stories. 

For starters, in XXXX, XXXX, and XXXX, Scottrade was victim of numerous repeated cyberattacks. The cyberattacks, which compromised Social Security numbers, security questions, bank details, and personal information was disclosed by Scottrade two years after it was internally reported as a problem. In fact, Scottrade only acknowledge the hack because the FBI make the hack public and Scottrade did not want to be seen as hiding information. 

In all regards, Scottrade was negligent in failing to exercise reasonable security precautions and failing to comply with industry standards for storing confidential and private personal information. 

Scottrade 's actions and/or omissions occurred despite prior warnings, including prior incursions of their network by third parties, who conducted fraudulent stock trades using Scottrade 's customers ' accounts, and even fines from government agencies concerning its system 's security procedures and oversight. - All of this and Scottrade still refused to fix their security systems. 

If Scottrade had heeded warnings and taken necessary precautions, it could have prevented the breach or at least predicted it much sooner and reduced the harm to its customers. 

If there is anything to take from this, it is that Scottrade 's operates a very " discount '' brokerage and omits basic tenants of good faith, cybersecurity, and basic customer service. In fact, in appears Scottrade 's only concern in this matter was how to bury the situation with the least amount of money burnt. And this goes to the heart of the issue. In XXXX and XXXX, when Scottrade was informed by employees and security experts of their cybersecurity failures, Socttrade chose not to fix those vulnerabilities and instead chose to pay large bonuses to its executive and managers. 

It truly is no wonder this business is continuing to see double digit percentage declines in customer satisfaction and retention.

Company response to consumer: Closed