vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Debt Recovery Solutions, LLC
State: WI

Complaint narrative:
This was a debt incurred by my ex wife. She used my name to secure this credit. I have other debts she created including her divorce attorney debt that I got stuck with. I am just trying to rebuild by life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: USForex Inc.
State: CA

Complaint narrative:
I initiated a money transfer on XXXX XXXX, from my XXXX bank account to XXXX bank account in XXXX. My understanding was that once I was doing the wire transfer to USFOREX bank. I provided them all the information they asked for, ( who am I, why I am sending the money, who am I sending the money to, etc. ) with addresses and account information. The money was reached in XXXX on XXXX. It just sat there until I reached out to them ( XXXX ) and asked them to release it. USFOREX did nothing but wait. I even got them the release of funds wire transfer reference number from XXXX. And they are still suggesting that it will not go out today. And it was around XXXX, way before the cut-off time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NE

Complaint narrative:
I sold my house and the sale closed on XXXX XXXX, 2016. Ditech was servicing the loan. The company has failed to refund my insurance escrow premium. I have made repeated inquiries to the company and the only reply is that they are looking into it. From what I can determine, Ditech may have sent a refund check to the wrong address. The company will not, however, address this issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: KS

Complaint narrative:
I have a loan that has been purchased by Ditech. I recently received an escrow analysis that projected that my escrow for taxes and insurance will have a shortage. The have added XXXX of the false shortage to my monthly mayment. For 19 years there has never been a shortage and I have received a refund on my escrow account a couple of times due to their incorrect analysis. As long as I make timely payment, there will never be a shortage in the escrow during the next 12 months. 
Ditech has projected a shortage in the amount of " cushion '' they want in my escrow account. I understand that Ditech may keep require a cushion equal to XXXX of the total amount of items paid on a yearly basis. However, Ditech has purposely created a false date for payment of my taxes for purposes of creating a " cushion '' shortage. Specifically, my taxes are due in XXXX. Ditech has confirmed that my taxes are due in XXXX and have been paid in XXXX for the life of the loan. However, Ditech has imposed a false date of a " Projected '' tax payment in XXXX. This false projection date has been created to develop a " cushion '' shortage of less than the XXXX cushion allowed by RESPA. This allows Ditech to collect additional money for my escrow account that will never be needed, and exceeds the XXXX cushion allowed by law. I am confident this false " Projection of payments '' analysis is not isolated and is imposed upon all consumers of who have loans with Ditech who pay escrows to cover taxes and insurance, through a Ditech escrow. This allows Ditech to acquire millions in dollars in interest on escrow accounts that are not required or permitted by RESPA. RESPA has imposed limits on escrow funding to prevent this abuse. Please investigate this complaint on behalf of my account and others similarly being financially abused by Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: First Data Corporation
State: TX

Complaint narrative:
I disputed a transaction and provided complete back-up, and the Money Network Institution overturned it with no proof, other than the word of the merchant. I sent in all the information I had to prove it should be granted. They also refused to provide me with a copy of what the merchant provided to them to determine their decision. This made my account overdrawn, and they are unwilling to do anything about it. I made a flight+car reservation with XXXX on XX/XX/2016, according to the cancellation terms, I could cancel within two days of departure. I cancelled on XX/XX/2016, completely within the time frame, the merchant rep I spoke advised me there would be no penalty, but they would credit my card so I called Money Network to dispute my transaction, they said that the merchant provided them proof it was a non-refundable flight. I sent them copy of my reservation that did not show in any way it was non-refundable, I am including a copy, XXXX issued a credit for travel, which I do n't understand since it is " non-refundable ''. I formally asked for the copy of what they provided and was refused. They illegally withdrew the funds based on false information provided by the merchant, and will do nothing to resolve it. My account is now overdrawn by {$260.00}, minus the few deposits made to the account the new balance as of today is $ XXXX. I would like to make a formal complaint for the lack of due diligence and misrepresentation that a complete and thorough investigation would be made.I disputed the transaction the same day I cancelled on XX/XX/2016. There was no lapse in time from when I cancelled the reservation to when I disputed the charge. Clearly they do not care about the customers or the security of their hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I received a call from ECMC on XXXX XXXX, 2015. I missed the initial call, and called them back a few hours later. When I got a hold of the agent who called me she began asking me for information about my mother. When I asked what the call was about she would not tell me. I expressed concern about giving her information with such a vague idea of who they were. The agent told me that my mother had listed me as a reference, and had given them permission to call me if they could not get a hold of her. I declined to answer the agent 's questions and asked her not to call me again. 

I called my wife later and she had received a call from the same agent. Similarly, the agent had told her she had been listed as a reference by my mother, and tried to use that to get my wife to give her information. I thought it was extremely unlikely that my wife had been listed as a reference, as my mother hardly knew my wife ( who I was my girlfriend at the time ) when she took out the loan. I called my mother, and she confirmed that she had never listed either of us as references. The agent had lied to us in an attempt to persuade us to give her information. 

I called ECMC back and asked to speak with a manager. The manager confirmed that the agent had used an internet lookup to find our phone numbers. I told them how concerning it was that their agent had lied to us. The manager assured me that they would take care of the matter. I received a message later that day letting me know they had resolved the issue by adding my phone number to their do-not-call list. 

I recorded both of the phone calls ( with the agent and with the manager ). ECMC has a warning saying their phone calls are recorded and there was no expectation of privacy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Public record State tax lien and Bankruptcy ( yr XX/XX/XXXX ), was disputed and previously deleted, and now on XX/XX/XXXX, a reinserted public record for the same state tax lien and banruptcy has been added to my credit report FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification

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 2016-08-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
We have been with Ditech for a couple of years. In XX/XX/XXXX, we submitted papers to loss mitigation to lower our payment. We then found out certain documents were missing. We then resubmitted in XX/XX/XXXX. Every time we would speak with a different representative, then get different information. We would submit a document they needed then not hear from them, then I would call to make sure everything was fine then they would need something else. It is now XXXX XXXX, 2016 and I can not get a representative on the phone. We have called for two weeks and when I say representative it switches to that extension then says I have read an invalid number. So I have sent three emails to ditech explaining I cant get a person on the phone so that I can ensure my paper work is fine. Their response is to call the same XXXX number. Which I in turn do and still the same recording occurs. I have also called the department of ditech that is taking loans so that I could speak with a live person- after speaking with them they switch me to correct department and the same thing happens ... .you have reached an invalid extension. No one from the company calls my house, cell phone or work. I can not reach a person to speak with about my account. It is the most bizarre experience I have ever had. Plaese help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Acct # XXXX Ditech Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fax # XXXX XXXX I faxed and have proof of submission to have PMI removed from my loan and they continue to stall and refuse my request. I called multiple times and have been getting the run around they are purposely preventing me from requesting this PMI removal so they can make more money charging hundreds of dollars more for unnecessary PMI for the housing market in XXXX, XXXX my assessed value far exceeds the requirement. Today I XXXX XXXX, 2016 I will attempt a XXXX time to send a CERTIFIED letter even though i have proof and confirmation my fax was received by them on XXXX XXXX, 2016.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation
State: GA

Complaint narrative:
I have a Health Savings Account ( HSA ) with a local bank. Sometime early in the year the bank was sold to another regional bank. I had always paid for my prescription drugs with a check from the Health Savings Account. Since the change to the new bank XXXX of the local drug stores - XXXX and XXXX will now not accept my check from my HSA. At issue is Tele-Check Services which both of them use to validate checks. I talked with the agent from Tele-Check who said that they did not accept checks from HSA accounts. I have used an HSA account for over 5 years before writing checks for prescriptions, doctor visits, etc. Once my bank was bought they returned a few checks and I paid both since they were written on the previous bank check. The bank said that is no issue because they still honored the old check and the account or bank routing had not changed. I am mystified why these drug stores would use a check validation system that is so clueless about HSA accounts. TeleCheck even tried to say it was a XXXX drug company problem. I knew that was not true because they denied it at XXXX also. I am responsible for funding my own HSA so I ended up having to put the cost of medicine ( not cheap ) on my personal credit card which defeats the purpose of having a tax free HSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had a secured credit card with Capital One. I provided them with a deposit of XXXX and was granted a credit line on XXXX. 
On XX/XX/2017, i cancelled the card and was told via a webpage message that my deposit would be mailed. 
On XX/XX/2017, i, contacted customer service because i have yet to recieve my deposit check. They said it had been mailed and that i should recieve it within 5 business days. 
As of XX/XX/XXXX, i, still have not recieved my check. I called customer service and they said i would have to wait until XX/XX/XXXX ( over 60 days ) for my deposit check. 
It will be close to 3 months for me to receive my money. Its unacceptable and i consider it a seizure for interest profitting with money which is not theres. 
I want my XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ECMC GROUP, INC.
State: OR

Complaint narrative:
My taxes of {$7400.00} were taken and being a single mom needing to move to better my life this was definitely a huge barrier. Please review to see if any money can be returned. thanks and XXXX bless!

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 2015-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PMAB,LLC
State: MO

Complaint narrative:
In XXXX 2014 XXXX issued a phone number to me for new smartphone. A few months later I began receiving calls once or twice a week from XXXX in XXXX, NC. The calls are continuing. From online search I found info that says this is a debt collection agency. My phone number is on Do Not Call list but it says that debt collectors can continue to call. I have never had a debt problem. No reason for them to call me. Is it possible that someone else with a debt problem had this phone number before me? How to make them stop calling?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tormey Bewley Corporation
State: NM

Complaint narrative:
I filed a complaint with all XXXX credit bureas : XXXX, XXXX and XXXX on XXXX XXXX, 2015 about medical debts listed on my credit report that I dispute. XXXX Collections or The advantage group as they are listed on my credit report are continuing to call me leaving voice messages trying to collect the debt without investigating the items or listing the investigation as complete or still owed to the credit agencies. It is my understanding that they are not to attempt to keep collecting the debt unless they have finished and reported their findings to the credit agency companies. They are in violation because they keep calling me trying to collect the debt without investigation of the disputes.

Company response to consumer: Closed
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
XXXX and XXXX XXXX. XXXX acct XXXX with Ditech . We have been trying for over six weeks to get a payoff amount for our house as we are selling it now in 2 days. I have left numerous messges, emails and on hold while trying to do this on the phone for anywhere from 30minutes to over an hour. Left message when I could get through for XXXX XXXX my bankruptcy representative at least twice. Most times I can not even get to her voicemail. They are taking our money but we get no customer service. Yes we are in bankruptcy but paying the house payment ourselves not through the courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I feel that Ditech is discriminating against me based on the type of loan I qualify for by offering bi-weekly payments to some borrowers but not to others. By them not allowing me to make bi-weekly payments on my loan based soley on the type of loan I was able to qualify for it significantly impacts my financial ability to pay my loan off as quickly as other borrowers who have better qualifications. I spoke with XXXX, employee # XXXX at Ditech who refused to allow me to pay my loan bi-weekly because of the type of loan I qualified for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc.
State: MA

Complaint narrative:
We were on an automatic payment plan however our checking account was automatically closed due to hacking. Called IC to explain why they could not get payment and tried to setup plan with new account information and women stated that could not be done and I had to pay in full. She was very rude and would not put on supervisor. I finally gave up and said I would call back. I called back at a later date and setup the automatic payment with the new information with no problem. However, just realized they sent our account to the credit report. Called back and spoke to a women and she explained why and just insisted I should have paid the bill. She would not listen to me and I asked to speak to someone else and she refused. She actually hung up on me. I dont know my legal rights but they never sent a notice that this account was going to be sent to my credit report. Please help get this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville Collections is collection on a bill they say I owe to a dental company i have never been to, in addition this XXXX company has sent me bill for other people and then a bill for me showing a XXXX balance. They bought this " debt '' from another XXXX and mixed up patient ledgers and do n't know what patient had what work done, but because I have a similar name to one of their patients sent me the bill. They refuse to send me original patient ledgers for this " XXXX '' they keep sending me ledgers from the XXXX office who I have never been too. I have also sent this collection company a letter to not call me by phone and they called me today XXXX/XXXX/2015 from phone # XXXX. They refuse to provide me with original ledgers from my real XXXX showing what work was really done in my mouth and keep sending me a fake ledger from another XXXX office i have never been too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Universal Credit Services, Inc
State: MI

Complaint narrative:
I tried to send a notice to agency via certified mail and they refused delivery.. sent to address given on collection letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AZ

Complaint narrative:
I took out a couple loans in 2013 against my XXXX XXXX. The following year, due to uncontrollable bills from XXXX XXXX, I had to begin the process of filing for bankruptcy. The past 6-12 months this debt collection company, Retrieval Masters at XXXX, calls me multiple times daily to inform me a lawsuit is being served to me for criminal intent. My Bankruptcy Attorney has tried to call them numerous times, but the debt collection company hangs up on his office as soon as they mention they 're representing me. Last week, this company called a friend I used as a character reference for the loan and told him I committed Internet Fraud, or something similar. They call 6-10 times a day and this has got to stop. Thank you.

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