vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX XXXX to Green Tree Servicing LLC. I did received a letter from XXXX XXXX XXXX XXXX notifying about this change. It is my understanding that all servicers engaged in the transfer of my mortgage to send me a notice at least 15 days before the effective date of the transfer. However, I have not received a letter today, XXXX/XXXX/2015, 2 days after the effective date of XXXX/XXXX/2015 from Green Tree Servicing, instructing me on how to make payments, customer service contact information etc. I had use the information provided in the letter from XXXX XXXX XXXX XXXX to contact them and find out what my account number is and how to make online payments. 
I only have 10 days left to make a payment my mail and Green Tree told me that they will charge a {$12.00} convenience fee for a one time online 'speed payment '. On their website it tells me that my account in not eligible to set up recurring auto-payments, likely because it is a new account. 
As a result, I will likely be forced to make a 'speed payment ' and having to pay the {$12.00} fee, which could have been avoided if Green Tree would have contacted me at least 15 days before the effective date, as they were required to do.

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: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I received a XXXX from Ditech ( formally Greentree ). I also received a letter this week saying the XXXX was incorrect stating it was a mortgage instead of a car lease. The original creditor had charged of this debt in XX/XX/XXXX. They did not attempt to collect it from me nor put it on my credit report because they had accidentally repossessed the car while it was in current status. They then delivered the car to the wrong address and I found the vehicle a couple weeks later damaged. The original creditor refused to pay the damage and I of coarse refused to make any more payments until they did. 8 years later a company called Greentree was sent this debt as a mortgage. I hired an attorney and Greentree agreed to remove it from my credit report and cease collection activities. I then started receiving collection letters 3 years after the mtter had been resolved. The attorney that handled for me contacted Them and the stopped once again. Now Greentree has become Ditech and is trying to avoid paying federal income taxes by filing a XXXX on this debt that charged off in XX/XX/XXXX and the original creditor never attempted to collect from me nor ever pout on my credit report because of their error. This has been a very upsetting ordeal because I was forced to hire the attorney because Greentree would only yell at me when I called and would not let me explain this was not a mortgage debt. By not having the correct XXXX by this date XXXX/XXXX/XXXX it has made things very difficult for me because I do not want not file a tax return that is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
The original debt about 12 years old. But every time I complain to XXXX that this debt is too old to be on my credit report, they change the open date. XX/XX/XXXX they changed it to XX/XX/XXXX now it 's at XX/XX/XXXX as the date it was originally opened. However, this debt has been on XXXX report for well over 10 years. I want it removed and the company to stop Lying about the open date.

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 2016-01-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: AR

Complaint narrative:
This agency is attempting to collect a debt from me for a debt I do not owe, but more troubling is the fact that this agency in not licensed by the Arkansas State Board of Collections to conduct the business of a collection agency within the state of Arkansas. 

This agency is communicating with me, while not being licensed, via my credit reports. 

XXXX v. XXXX XXXX , XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) ( " Reporting to credit bureaus is a communication within the FDCPA ) ) ; XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ) ( " rejecting the argument that reporting to the credit bureau was not a communication to the consumer and was not debt collection activity '' ) ) ; and, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) ( " The court has learned through its work on countless FDCPA cases that threatening to report and reporting debts to CRAs is one of the most commonly-used arrows in the debt collector 's quiver '' ) ). 

This agency is violating the FDCPA which are per se violations of the Arkansas Fair Debt Collection Practices Act, The Arkansas Collection Agency Act, and the Arkansas Deceptive Trade Practices Act. 

This agency also did not send me my right to dispute this debt, prior to entering this debt on my credit reports, which I do not owe. 

I can only assume that because they are not licensed to collect in my state, they incorrectly thought they could violate my rights by only reporting to my credit. 

This agency has violated numerous provisions of the FDCPA and Arkansas State Law, and should be brought to justice by your agency. 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
I have an HSA account with the Bank of New York Mellon. They have failed to disburse any funds from that account for the last 6+ months. Their checks have not worked on multiple tries at my pharmacy. Their credit card has not worked on multiple tries at multiple pharmacies. They have failed to send me a new credit card. On the last occasion, after claiming my direct deposit transaction was 'completed ', they failed to actually deposit the funds into my account. This caused the last check I wrote to bounce by a ~ {$3.00}. And of course, they charged me {$25.00} for this. This check was an attempt to rollover the funds into a new HSA account since they have failed to provide services to me. 
At a minimum, I would call their failure to disburse my money a lack of good faith. But judging from their timing in not depositing funds while at the same time 'trying ' to cash a check, I suspect deceptive practices. I was also told on the phone that if I close my account, they will continue to charge me monthly fees. The person I talked to also refused to pass my call to a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-26 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: Ability Recovery Services, LLC
State: TN

Complaint narrative:
I 've written a formal complaint about a debt to XXXX university that was to be waived. Ability Recovery never contacted me after my dispute yet filed a collection on my credit bureau. Check my credit, I have XXXX collection accounts. I 'm buying a new house and they were destroying my credit score over a debt I formally disputed, in writing, as they instructed me to do when I called. They would ONLY accept a mailed letter and refused a fax our email. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 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: NJ

Complaint narrative:
I have a medical collection posted on my credit report from Commonwealth Financial Systems ( CFS ). The debt is not mine. I have contacted CFS to verify the debt. I requested to be provided with a proof that this debt belongs to me, as any accounts I might have had are obsolete. They did not provide me with any document or evidence that this debt is mine. Under HIPAA privacy laws CFS should not have any of my personal medical information, unless they have a " written '' agreement with the original creditor to collect debt on their behalf. I have called CFS several times and I have send certified letter requesting to cease and deceit from reporting incorrect and false information to the credit report agency. CFS have not responded to any letters I have send to them. Commonwealth Financial Systems continues to report false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 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: GA

Complaint narrative:
This debt was already resolved through CFPB and there is a case number associated with completion. The original holder was XXXX and I believe it was sold to another agency, however if I continue to be harassed by bogus accusations, will attempt to file a tort claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: CO

Complaint narrative:
For the following dates, these medical dates are all the same amount. That is impossible! There is no way to have XXXX hospital debt collections on different dates all for the same amount. I want this fixed and they should be reprimanded or investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
I have received a collection letter from Commonwealth financial systems. It states I owe a medical debt from XXXX of XXXX county. I have paid this debt off and have proof from the instution. They have also reported this false claim to the credit agencies and my credit score has dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
I have requested debt validation information from Ability Recovery Services and they have failed to send me any information. They are reporting this on my credit report and damaging my ability to secure credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
We have a XXXX investment account, which includes a cash account that is managed by BNY Mellon ( we are told ). We were contacted by their fraud department due to some odd charges on our XXXX debit card. We called, confirmed that the charges were n't ours ( XXXX and some prison phone service - neither of which have we ever used ), and asked to have the card shut down as soon as we got some cash out. The card was not shut down, and five days later there were more charges. We contacted the bank, and were told by supervisor XXXX XXXX that all of the charges would be reversed, and that we 'd receive confirmation in 10 days. We then received a letter stating that BNY Mellon is denying the claim, and giving a number to call. I called, and the person there said " Maybe you should write them ...? ". 

This is a XXXX card with an advertised 0 % liability, and we 're out over {$500.00} - that makes no sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I was contacted by XXXX XXXX with Common Wealth Fin. Systems regarding a debt from XXXX 2009. I undated all of my information with her and verified all she asked. I then asked questions, what XXXX was I seen in, what doctor treated me, etc. She stated she could only provide the information through email. I told her I only had a work email and could not proved it and asked how could I get the information I needed to verify I owed the debt. She repeated only through email and I once again explained I could not provide my work email for this matter. She began to get irritated with me and told me I was being ridiculous, and created an email only took two minutes. I told her not to speak to me that way and explained I was trying to help and get this matter resolved. She then hung up on me. I called the company back and was transferred to her. I told her who I was and why I was calling and without speaking, she hung up on me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Information Bureau, Inc.
State: CT

Complaint narrative:
i had XXXX in XXXX. In about 4yrs. later this company said to me we forgot to charge you this amount. I do not. Anyway i wish i could just call someone years later and say to them, buy the way you owe me money. know pay me. please get this off my credit debt. This will never get paid by me plus they have no right to do this. it has been on my report for many years now. I am XXXX. old now and do not care anymore with my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 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: NJ

Complaint narrative:
I have a medical collection posted on my credit report from Commonwealth Financial Systems ( CFS ). The debt is not mine. I have contacted CFS to verify the debt. I requested to be provided with a proof that this debt belongs to me, as any accounts I might have had are obsolete. They did not provide me with any document or evidence that this debt is mine. Under HIPAA privacy laws CFS should not have any of my personal medical information, unless they have a " written '' agreement with the original creditor to collect debt on their behalf. 
I have called CFS several times and I have send certified letter requesting to cease and deceit from reporting incorrect and false information to the credit report agency. 
CFS have not responded to any letters I have send to them. Commonwealth Financial Systems continues to report false information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: APEX Asset Management, LLC
State: PA

Complaint narrative:
Hello, I have noticed that I keep getting debt XXXX on my case about hospital bills, however I signed up last year to a thing called XXXX through XXXX and it was supposed to pay for anything that my insurance did n't cover/pay for. They even told me I was approved for the charity care and still continued to send me bills. When I went up to the business office to talk to them about it they told me that I was approved but did not give me any paperwork stating so. When I called Apex they asked for such paperwork and I do not have any to give. If they would like to call the business office and talk to them about it they can if they want. I tried calling a couple times and got no solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
My biweekly recurring direct deposit from my employer normally hits Tuesday, by XXXX. Nothing was deposited and my balance is reflecting XXXX. I coordinated with my payroll and they confirmed it was sent, but after waiting on hold with Rushcard for XXXX minutes they advised my deposit was n't reflecting. This is a major hardship for me, for I am a single mom, flying with XXXX wing, and my son is a full time college student and tuition fees do not have any grace period, nor does my other bills in promised to pay today. I pay my bills in increments of XXXX, versus in full at the top of the month, due to making less then the cost of my total bills. The company has taken ownership of the technical issue, but has neglected to resolve it and grant me access to my paycheck. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Reliable Credit Association, Inc.
State: ID

Complaint narrative:
I fell behind on an auto loan with Reliable Credit Association. The loan officer offered me a settlement that if I brought the vehicle back they would settle the account and not charge me the balance after auction sale. however, they report an unpaid balance of over XXXX on my credit report. this is contrary to our agreement, the account should reflect a zero balance.

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 2015-11-02 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade, CFPB, and Others, I am the mother and joint account holder of a custodial Scottrade account. I recently wrote a letter to Scottrade asking questions about the custodial account. It appears as though Scottrade did not even read the letter because rather than addressing a response to me, XXXX XXXX XXXX XXXX, Scottrade wrote the the letter and instead addressed my son XXXX XXXX XXXX XXXX and did not address the issues that I raised in my letter. 

I would appreciate if Scottrade could read and address my concerns brought by both myself and my son.

Company response to consumer: Closed
Consumer complaint received 2015-10-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
On XXXX/XXXX/15 was expecting a direct deposit from my employer to be on my rushcard. I logged onto my online account and checked my transactions and I could see where my deposit was made from my employer but my balance was still at {$25.00} ( from what I saved from my payroll last week ). I had been calling rushcard nonstop since XXXX/XXXX/15. I was finally able to get in touch with someone @ rushcard and when I told her what was going on with my account she said that my account was - {$870.00}. When I asked her how can my account be in the negative when I get a payroll deposit from my employer every week and you can only spend what you deposit, she caught an attitude and then saywell you can just close your aaccount. I told her I was calling about my money not to close my account and ask her to transfer me to a supervisor. She transferred me to her supervisor. I was on holold for about XXXX mins. then the phone clicked off so I called back and they said to call back in the morning to talk to a supervisor.I have been calling 2 days straight with no answer. Please help because this is ridiculous. This rushcard glitch has affected me tremendously and then on top of that they are trying to say to say my account is negative {$870.00} which is impossible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I am reaching out to you for assistance with XXXX entities that have provided less than adequate basic customer service. Both XXXX XXXX and Advantage Financial Services, LLP have lied, falsified documentation, harassed violated Fair Debt Collection Practices Act, the Fair Credit Reporting Act and failed to respond to a qualified written request. 
This began with my daughter ( XXXX years old ) needing XXXX. We were referred to XXXX XXXX for services. On XX/XX/XXXX we arrived for her appointment and filled out paperwork that included the insurance information for my ex-husband with XXXX XXXX and my insurance with XXXX, among other information provided. Copies of both insurance cards were taken as well. 
I am attaching a complaint letter as it exceeds your allowable characters here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: VA

Complaint narrative:
I am a rushcard customer, have not been able to have any access to my money in 16 days. When calling somtimes i get hung up on. other times the represenitives have the same excuses. Cant tell me whats going on or what the problem is or when it will be settled.The company wont even give any other opitions to recieve the funds.

Company response to consumer: Closed with monetary relief