vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
Knew I had already paid the debt when they sent the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On or about XXXX XXXX, XXXX XXXX XXXX wireless merged my cell phone account, acct # XXXX, was merged to account # XXXX, without authorization. The " unified account '', was merged with a " ghost '' or " non existent '' Account. This unauthorized " unification '' caused numerous and ongoing billing issues. These billing issues resulted in XXXX XXXX XXXX being unjustly enriched. Additionally, the change in denied me of services for which XXXX XXXX XXXX billed. Upon realization, I contacted XXXX XXXX XXXX XXXX, spoke with XXXX ( ID # XXXX ) and received Case Number XXXX, XXXX XXXX, XXXX, approved by his manager XXXX ( ID # XXXX ). Per direction, I contacted the credit card companies for which the charges were tendered to XXXX XXXX XXXX XXXX, due to XXXX XXXX XXXX XXXX Fraudulent Billing. One of the credit Card companies being, American Express Serve. American Express Serve was very unprofessional, leaving me on hold for an extended amount of time, requesting I send copies of my other credit cards, and information unfitting to the situation. The representative was not English savvy or helpful ... leading me to filing this claim. 
Rescission of contract to XXXX XXXX XXXX XXXX for failure to provide contractual services, unjust enrichment and other violations Under Maryland law, a claim of unjust enrichment is established when : ( 1 ) a party confers a benefit upon another ; ( 2 ) the benefiting party knows or appreciates the benefit ; and ( 3 ) the benefiting party 's acceptance or retention of the benefit under the circumstances is such that it would be inequitable to allow him or her to retain the benefit without the paying of value in return. XXXX v. XXXX, XXXX Md. XXXX, XXXX ( XXXX ), quoted in XXXX v. XXXX XXXX, XXXX, XXXX Md. App. XXXX ( XXXX ). " The doctrine of unjust enrichment is applicable where a party, upon the circumstances of the case, is obliged by the ties of natural justice and equity to refund the money, and give rise to the policy of restitution as a remedy. '' XXXX v. XXXX XXXX XXXX, XXXX, XXXX Md. App. XXXX ( XXXX ) ( citations omitted ) ; XXXX, XXXX. has tendered accordingly to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I booked a wedding at XXXX paid a deposit on my amex card in XXXX 2016 this was paid for in full my contract with the club asked for a check on the final day in XXXX 2016 which I wrote prior to the party. There were many issues that the vendor did not resolve and things they did not follow through with on their contract I am starting a small claims regarding this. I put a stop on my check for the final amount until they can work out a resolution. On XXXX XXXX 2016 the XXXX put a charge through with AMEX for XXXX dollars. This was not authorized by me nor does it allow in their contract I called amex to dispute after a month they put the charge back on and said the company had authorization. That is not the case they showed them the old deposit authorization. I just wrote and official letter to AMEX explaining the above because when you call you get nameless faceless people in a company that is far to large to handle consumer complaints I dont wish my credit to be ruined or reported late during this dispute process

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
Debt collection company, makes harassing phone calls at all hours, applies misleading and incorrect representations of accounts, by posting the same account under different account numbers in excess of XXXX times to each credit bureau. refuses to acknowledge or verify debt is actually mine to the individual credit bureaus, under the laws of Identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The original creditor XXXX was removed from credit bureau for reporting inaccurate info. Midland funding continues to try to collect on bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 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: GA

Complaint narrative:
I sent commonwealth financial a debt validation in the mail and fax on XX/XX/2015, its been over 30 days, they never responded with doscumentation of account, thats a violation of fcra and fdcpa i want it deleted from my XXXX credit file right away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 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 upon receiving notice but the letter was lost in transit. Which I will attach proof of that. So I sent a new letter which they signed for and never responded. They continue to report the debt without validation which is illegal under 809 ( b ) of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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: KS

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) has repeated harassed me in an attempt to collect this unproven debt with the above multiple collection agencies beginning around XXXX and most recently in XXXX repeatedly sharing my medical, persona, SSN and contact information. In all cases, the debt claim has shown up on my credit bureau reports and scores damaging my credit possibly increasing my payment or interest rates on financial transactions. I contacted XXXX several times and they have failed to respond to my concerns. I have not been contacted by the the debt collection agencies. The debt has just appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
On XX/XX/2016, I paid the full balance owed on a judgment that Ray Klein Inc in XXXX Oregon in the amount of {$630.00} had against myself. We are currently trying to buy a house, so we were paying off debts in order to bring our credit score up. It has been 13 days since the debt has been paid in full and the debt is still not showing that it has been satisfied and is still lingering as unsatisfied with the XXXX County Court System. Calls have been made by my mortgage broker to Ray Klein in order to have this debt removed from my credit report. Nothing has been changed and they have not disclosed when this will be shown as satisfied due to their constant excuses. When they want the debt paid, they harass without any problem, garnish wages, sue people without an attempt at even collecting on the debt, call them relentlessly and even call people at their place of employment. However, when it comes to showing that a debt has been paid in full and is satisfied, call them relentlessly and even call people at their place of employment. However, when it comes to showing that a debt has been paid in full and is satisfied, they drag their feet. The people my mortgage broker and my husband have spoken with know we are currently in the process of purchasing a house and at this point is feels like they are purposefully holding out on showing the debt as satisfied. They also failed to tell us that they had other debts they were holding besides the judgment until we were ready to pay the judgment in full, with the exception of a past medical bill from XXXX. So now we are still paying a debt through this shady company who failed to inform us of further debts owed with a high accrued interest balance. I want this issue corrected in a timely manner, which they have failed to do and feels they are purposefully holding out on.

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
Consumer complaint received 2016-09-27 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: Creditors Specialty Service Inc
State: CA

Complaint narrative:
Re : Creditors Specialty Service, Inc. XXXX XXXX XXXX, XXXX , CA XXXX XXXX I was in a XXXX on XXXX/XXXX/XXXX for which I was not at fault. The other person 's car, ( the driver was not insured ), was towed to XXXX XXXX XXXX. That company said I was responsible for the storage in the amount of $ {$1100.00}. An attorney for my insurance company said I was not responsible. Creditors Specialty Service was asked to collect from me for XXXX XXXX XXXX. Creditors Specialty Service contacted me by phone and letter at least four times. They filed a claim in small claims court around XXXX XXXX. They did not show up in court and the case was dismissed. I received a letter from Creditors Specialty Service dated XXXX/XXXX/XXXX entitled " request for update. '' The letter implied that my credit would be denied if I did n't pay the {$1100.00}. I called Creditors Specialty Service and told them this was harassment. They said they would remove the case from their files. It concerns me that other people would pay the amount due because of the threatening nature of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 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:
Commonwealth Finance placed a collection on my credit reports in the amount of XXXX. 
This collection has been reported and deleted multiple times from several other collection agencies and found to be a fraudulent account. Now, Commonwealth Finance is reporting the same fraudulent account that has been deleted numerous times by other companies. 
I have a fraud alert on my credit reports due to this. 
I have filed complaints with the TX & PA Attorney General 's offices and well as the BBB. This fraudulent collect MUST be deleted. 
Prior to the reporting of the collection I have never received any type of communication from Commonwealth.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 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: WA

Complaint narrative:
In XX/XX/XXXX a collection company attempted to collect XXXX debts from me that were not mine. They used a variation of my name and home address including an apartment number for my home. I filed a complaint with the attorney generals office in XXXX, WA. I did not hear any more. In XX/XX/XXXX ( 6 years later ) Commonwealth Collections ( a subsidiary of XXXX collections ) attempted to collect these same XXXX debts with a variation of my name and the same erroneous apartment number for my residential home address. Once again I referred the matter to the attorney generals office. The AG filed a complaint on my behalf but they ca n't impose resolution. Collections agencies are simply junk debt sellers and this is what is happening. They know this is n't me but they sell the contract from one company to the next and nobody is successful at getting these criminals to cease and desist. I want them stopped..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Hello my name is XXXX. since I purchased my property 22 years ago the API was at 9 % too high! & still is. because of the economic issues that been going on and because of my age ... I have n't been able to make my payment on time every month. my only income is my Social Security it 's not that much. No bank wants to help me to do a modification so I can lower my APR. Can someone help me or Direct me to the right person to get some help. My phone number is XXXX thank you in advice!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: American Credit Adjusters
State: DE

Complaint narrative:
They have called me 38 times since XXXX XXXX. Call from the same number but give me a different number to call back. First they said their name was XXXX XXXX. On Friday they called me from the same number and said their name as American Credit Adjusters and to call on XXXX. They have sent me nothing in writing. I consider this harassment!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
My mortgage servicer is repeatedly and intentionally ignoring my requests to have my PMI ( private mortgage insurance ) removed. 

I have initiated contact with my mortgage servicer Ditech Mortgage several times since XXXX of 2016 requesting that a home appraisal be ordered to remove the monthly PMI payment. 

I have provided them all of the requested information they have asked for several times which I have documented proof of to remove my PMI. 

Representatives repeatedly tell me that although they have this information on file, my requests are missing information, or outdated. Neither of those statements have been truthful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Ditech performed an unauthorized ACH transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have not received a statement from Greentree since XXXX. the last correspondence i received was an escrow analysis that was dated XXXX XXXX. I have called at least XXXX times a month, every month they say XXXX is in the mail. I was guaranteed this month that one would be in the mail by XXXX XXXX, I am on the phone again, and they are telling me they once again did not mail XXXX. I am on the phone with XXXX id # XXXX who claims to be a supervisor yelling at me telling me i am lying. It is appalling that all i want is XXXX statement to pay my bill. I have XXXX mortgages and XXXX car payments. Please explain why this is the only company that can not get me a statement. I am now talking with XXXX, Lead id # XXXX he is saying that the flag was just removed this month. Greetree will NOT send me statements this is absolutely frustrating. Why is it i get the escrow analysis and offers to refinance but i can not get a statement

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Eagle Home Mortgage, LLC
State: FL

Complaint narrative:
Universal American Mortgage Company , LLC ( UAMC ), committed multiple violations of CFPB and Federal Regulations during my evaluation for Loss Mitigation Workout options. The application contained inaccurate financial information, which differed from the evidence submitted and was not discovered or properly reviewed. There was a violation of dual-tracking as well. After being denied for Loss Mitigation Workout, I appealed the decision within the allotted time ( 30 days ). While reconsidering loss mitigation options following the acceptance of my appeal, UAMC 's lawyers submitted a Motion for Judicial Sale of Property. The excuse I received from UAMC 's Foreclosure Department was a lack of communication between their department and the Loss Mitigation Department. Their lack of communication resulted in my appeal being denied on XX/XX/XXXX, and a sale date of XX/XX/XXXX. Now I have 6 days until the sale date and UAMC is refusing to rectify the situation.

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 2017-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I filed a chapter XXXX bankruptcy but the court did figure my mortgage in the bankruptcy. I have paid it all along. XXXX sold my mortgage to a collection agency. There are errors on my escrow analysis and the way they are reporting to the credit bureau. Ditech refuses to talk to me because of the bankruptcy and will not let my attorney tell them they can talk to me. So how do we correct the errors?! They also waited a year to inform me of documents they had drawn up. It appears to me that they think they have no accountability.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I have been TRYING to get a loan modification from Ditech ( current " servicer '' on XXXX loan, originally XXXX ) and worked with XXXX on the application. It was denied without any real explanation, so I spoke to an attorney who said I should still qualify and to XXXX, who ca n't help with appeals. So I wrote to Ditech asking for clarification, and was told that they are complying with XXXX guidelines. I can not find those guidelines and do n't believe Ditech is telling the truth. I have had a huge loss of income and increased indebtedness, which they have not taken into account, and I do n't see how it is possible that with monthly income of {$1100.00} and a mortgage payment of {$750.00} ( without taking into account ANY expenses, including debt service ) that I would NOT qualify. It seems they continue to deny because it is nearly impossible to challenge them on the facts or their compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
i have sent now twice the information regarding this account this morning i faxed to XXXX acct # XXXX XXXX ; this account is from idenity theft and i have had issues with this from somepone is this area for quite abit please remove this account asap i am sending the police report and id theft affidavit notarized again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AE

Complaint narrative:
I have a mortgage managed by Green Tree. I recently changed my monthly payment from {$1500.00} to a twice a month payment of {$1700.00}. The payment plan was set up by Green Tree for automatic withdrawals from my bank that the previous payments were made. I received a statement for XX/XX/XXXX indicating I had a late fee of {$32.00} for not making my {$1700.00} payment on XXXX XXXX. I had already made a payment of {$1700.00} on XXXX XXXX which is more than my monthly mortgage. I have a document from Green Tree with the payment due on XXXX XXXX, not XXXX XXXX. I believe this is a common practice with Green Tree because they vehemently denied they were at fault. I have formally contested the charge and not received a response other than it will take 30 days to review. Interesting! I pay more than twice the amount of the mortgage, yet they charge me a late fee. Crooks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
My mortgage was originally with XXXX. When they were sold it transferred to XXXX XXXX XXXX. In the XXXX of 2008 it was sold to XXXX. I would make my payments around the XXXX of each month as I got paid. The loan had a grace period until the XXXX of each month but every month @ XXXX I would start getting calls from XXXX debt collectors harassing me about the payment. Then I would be directed to the web site that each month charged me a {$12.00} " Convenience Fee '' they called it for using an automated system. Then I lost my job in XXXX XXXX '. At that point I needed to ask for a short sale. They held me out asking for above market amounts. The harassment was unbelievable by XXXX XXXX '. i was willing to do what I could to help sell the home and would vacate at any time. Eventually I had to file bankruptcy in XXXX XXXX '. After I filed bankruptcy then they wanted to help with a short sale. The home finally transferred XXXX XXXX '. XXXX made my life miserable. The treating phone calls at all hours of the day. Not wanting to help until I was forced into bankruptcy. As I get this financial nightmare turned around I will never be in a mortgage serviced by XXXX.

Company response to consumer: Closed with explanation