vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-27 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
Rushcard ruined my finances and caused me so much struggle for about two weeks without a penny to my name. I am a single parent and XXXX kids and i just could not figure out how to feed my kids day by day. I was devasted and cried daily. The need to pay for what they did to us. They conducted a server change, my card would not work, embarrassed to find out after food shopping my card declined on $ XXXX+ in groceries. They would not answer phone, either ring or hung up but not a soul to tell us what was happening with our funds. My sons XXXX birthday party cancelled and rescheduled cause i had no funds. My bills not paid and cell and XXXX turned off cause pmt arrangement i had. I was disgusted how they treated us without a care that we live check to check and had no other means for cash. I fed my kids cereal and milk during this time. It was nutts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I need my payment recast after making a large principal payment in XX/XX/XXXX. I called Ditech before making the payment and was told it would be done " automatically ''. It was not, so I called again in late XX/XX/XXXX, and despite a 30 day turnaround requirement for XXXX, I got no reply until I was sent a modfication document in XX/XX/XXXX ( received AFTER the deadline to return it ). In the meantime I have been making the full invoiced payments, but Ditech has put my " funds in suspense '' and I have received weekly harassing phone calls for payment. I finally spoke to a woman who promised to correct the documents ( not accurate, because " they ca n't change the XXXX form '' to use the correct dates ) and I demanded an accounting of how my last three payments have been applied. I am still waiting for that. This is 4 months since the initial principal payment, and they took 2 months to reply after I made an " official '' request for a recalculation. This still has not been done properly -- and in the meantime I have been making my full invoiced payments and have been harassed with collection phone calls about non-payment for funds -- that have been paid and put in " funds in suspense '' by Ditech themselves. I would like to have the recalculation done properly ( with a backup of their calculations ) and a guarantee that all my recent overpayments are applied to principal ; to make sure their math is correct and that they I receive some compensation for their violations of law and abysmal and abusive treatment of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
This issue was first resolved XX/XX/XXXX with Green Tree Servicing LLC and Consumer financial Protection Bureau case number: XXXX, whereas green tree acknowledged my payments.
What happen in the process: 
On XX/XX/XXXX, I talk with Representative XXXX with Green tree mortgage to get and explanation why every time I make a payment it doesn't show in my account activity for payments receive and principal reduction.  She informed me Green tree had placed my account into a loan modification.  As I explain to her I did not request or sign any documents requesting a loan modification.  She requested me to do two things:
1. Write a letter stating I do not want a loan modification, and I will send the balance of $XXXX needed to bring the loan current on Friday XX/XX/XXXX.  I fax the request on XX/XX/XXXX.  Green tree sent me a letter acknowledging my fax.
2. Mail funds on Friday XX/XX/XXXX as agreed to bring the loan current. On XX/XX/XXXX I mail check number XXXX in the amount of $XXXX to Green Tree.  I've confirm with my bank the funds was processed on XX/XX/XXXX.
Today XX/XX/XXXX
After Green Tree's letter of acknowledgement about resolving this issue Green Tree keep putting me off for the reason the monthly statements did not reflect I was current on payments.  Later Green tree moved my account to Ditech now this issue has not changed and I keep getting calls stating I'm late on payments and this month they reported it on my credit report.  I have details of all my payments to green tree and Ditech showing I have not missed a payment after I brought the payments current XX/XX/XXXX.  
Date	 	Check Number		Payments	         Balance
						
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XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I never signed a lease with XXXX and they placed a debt of $ XXXXfor a place i did not fill out an application for.

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 2016-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: USA DISCOUNTERS LTD
State: SC

Complaint narrative:
USA Discounters has illegally obtained a judgement against me in XXXX when the debt was made in XXXX. I was never notified of this civil claim and had no knowledge it existed until the XXXX County Sheriff 's department attempted to place a levy on me. I did not own any property so there was nothing to levy. This company forced me into a Chapter XXXX in 2009 because of their bully collections tactics. They called my job and harassed me by phone several times a day. I included them in the Chapter XXXX and they were paid 1/2 of the {$5000.00} they claimed I owed. Now they are pursuing a judgment, that is illegally obtained for {$10000.00} that I do not owe.

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 2016-11-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX  OLD NAVY CREDIT CARD THROUGH SYNCHRONY BANK IS BLOCKING ME FROM PAYING MY BILL ONLINE. I HAVE BEEN ASSESSED FEES. IS THIS LEGAL?  I CANT PAY MY BILL AND VIEW MY STATEMENT.

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 2017-01-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I was making on time payments, and the credit company ( Navy Federal ) was reporting late payments, even though my statements were paid on time. I contacted Navy Federal with five certified letters, stating that they were reporting my account wrong on the XXXX major credit bureaus, and how they were in violation of the fcra, and the Fair Debt Collection Practices Act. There has n't been any replies, so I continued to send letters, stating that they are violating federal law. To this day, XX/XX/XXXX, Navy Federal Has not marked my account disputed, or responded to my certified letters.So now the account is delinquent, and they still have n't marked the account disputed. I get the XXXX credit reports, from the XXXX website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: ACOPIA CAPITAL GROUP
State: TN

Complaint narrative:
We were scheduled to close on the house we were selling and the house we were buying on XX/XX/2016. After signing all of our papers, we learned that Accurate Mortgage here in XXXX, TN made an error when approving their client for purchase of our house. They were aware of this on Thursday and that closing could not occur, but they tried to add a buyer to the property we were selling without informing us of the change. 

On Friday morning we had the XXXX removed from our house, threw away all of our food ( house we were closing on did n't have a fridge ), packed the uhaul, and removed all contents from the house. However, Accurate Mortgage knew on Thursday closing could not occur on Friday. I then spent all day on Friday ( taking off work ) with my title company waiting for Accurate to close. When they did not, we had to return to our empty house with no possessions and wait 10 days for the new buyer on the loan to be approved. 

Because Accurate did not follow proper closing prep documents, they were unaware they could not fund their clients until the day before closing. Then, they did not inform us and we had everything taken from the house and were forced to wait 10 more days. Our realtor called the Agent and this was his response : " The loan officer for your buyers was XXXX XXXX, pointed the blame towards Accurate Mortgage company procedures as far as not catching the glitch in underwriting sooner, not notifying anyone of a potential issue that could delay closing and of course, sending out the closing package without having the clear-to-close '' Because of their negligence my wife and XXXX year old son were left in an empty house for 10 days sleeping on air mattresses and having to buy everything needed to live for another week. This includes : having utilities transferred back to our name, groceries, clothing, paying to keep the XXXX 10 more days, food, doing laundry at our church, and other stresses and difficulties of living in essentially a vacant house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: EdFinancial Services
State: AE

Complaint narrative:
My student loans were transferred from the XXXX XXXX XXXX XXXX to Edfinancial in XX/XX/XXXX. Since then I have experienced a drastic drop in quality of service. The website and documents have reflected inaccurate record keeping and my displayed balance and payment amounts have fluctuated, some by the thousands, when I logged in to print my loan summary or view my payment history. The month they said my debt was paid off in their error, my documented debt had actually doubled. For instance, in XX/XX/XXXX, my balance was {$5300.00}. In XX/XX/XXXX, it was XXXX. Then in XX/XX/XXXX, it was XXXX. In XX/XX/XXXX, I took a screenshot of my payment history showing payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that were all different from the ones showing when I took a screen shot in XX/XX/XXXX. When I called and asked for a detailed payment and balance history log to explain the consistent fluctuations in my balance for greater than 12 months, I received a small document with a few short tables someone typed into. When I recontacted them several times on the phone, I was told repeatedly to send an email to the distribution list. When I did that, it took over a month to get a response and I still did not receive a detailed payment and balance history such as what I previously received from the XXXX. Every time I call to discuss an issue or ask a question, they say they will get back to me but instead make some change to my account instead before we speak. For instance, I called once to inquire about reallocating some of my XXXX loan repayments from a couple of years ago and they said they would call me back. Instead, they reapplied those payments and notated that someone from the XXXX called. This is below the standard I expect and deserve from a financial institution and I have lost trust in their accuracy, competence, and work ethic. I feel as though they can reallocate, increase, and/or change my loans at their will and I am helpless to do anything about it. I have screen shots and printed documents to support my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I got a credit card from Capital One in the XX/XX/XXXX 's. I was told it had a {$200.00} balance. I went to a local store later and tried to use it but the cashier said it needed to be activated. I went back home and called Capital One and they told me I had to put money into the account before I could use it, I could activate it when the money was paid. After deciding I did not want the card I called and cancelled it in XX/XX/XXXX/XX/XX/XXXX. In XX/XX/XXXX, I receive a letter telling me my card had been " restricted per my request '' but my account was continually charged to a total of over XXXX dollars. Prior to that in XXXX XXXX, I received a letter saying my account was suspended. They have been charging me fee 's of all sorts ever since then, have dragged me into court and have now garnished my wages for over {$1500.00}, and the card was never activated or used for any purchases or charges of any kind. In XX/XX/XXXX, I was found in default for not appearing in court so they awarded them XXXX plus dollars, when I went to court just recently in XXXX XXXX they awarded them over XXXX plus dollars. I owe nothing on this card, never used it, never activated it, even cancelled it. Even Capital One has no record of my card and when I asked her why that was she said, " well, the card would have to have been activated and used for me to have any record of it. '' Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS
State: TN

Complaint narrative:
I have dispute a tax lien multiple times with XXXX that do n't belong to me, they remove the tax lien multiple times and wait a long period of time then the tax lien is back on my credit file. I asked XXXX to validate the information they have n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Over the weekend, I received alerts that a new collection account was added to both my XXXX and XXXX credit profiles. When I checked the alerts, it showed that MIDWEST RECOVERY SYSTEMS had added the collection account but I never received any notification concerning this, which I believe is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My mortgage was bought by Green Tree in XXXX XXXX. My husband lost his job in XXXX XXXX and we got behind. We tried to work arrangements out with Green Tree. They are refusing my payment unless I bring it current. They are calling several times a day and faxing over personal info and payment history to my work fax and my co workers seen it. I paid a XXXX payment in XXXX $ 4200- because of there threats of taking my home. I paid another XXXX in XXXX and called another payment in for XXXX in XXXX. I was told I am still XXXX payment behind and needed to pay {$4200.00} for XXXX not XXXX and that would bring me current. I explained to them I do not have it. I then received another call a few minutes later from another account Rep - who handles my Account - I was threatened they would void my payment for that day and it would put me 60 days past due. I asked again to speak with a manager - who then gets on the phone and says they will look in to it. I called back the next day and asked if my payment had been voided, I was told no. I pulled my bank statement up and see they reversed it back into my bank account. How can they refuse a payment after excepting it. The tactics they use are not right for those who are trying to keep our homes. They are purposely refusing PAYMENT to damage my credit and make me loose my home. What can I do?? They told me to file foreclosure. I can not believe they would want to push a customer into foreclosure over being XXXX payment past due. I am trying to keep my home and have always paid on time until my husband lost his job. I have proof of them excepting the payment then voiding it. I believe they are playing games, I have talked to several people who claim to be managers who say they will look into it with no follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Financial Services erroneously ( perhaps fraudulently ) issued both my wife and me IRS XXXX XXXX claiming excess wear and tear on leased vehicles. These were issued erroneously because, for a debt discharge to occur, the amount of the obligation owed must not be open to any real dispute as to whether or not it 's actually owed. These are and always have been vigorously disputed and never documented. 

Additional pertinent facts : 1. These charges were repeatedly disputed under the Texas Fair Debt Collection Practices Act. We were never provided any photographs or repair bills supporting their claim. 
2. Toyota periodically reassigned our accounts to different collection agencies. Each time we asserted our rights under the TFDCPA they ceased collection activity without providing the requested documentation. 
3. Toyota 's own website includes numerous examples of excess wear and tear, none of which were on our vehicles. ( My wife and I are XXXX+ year old XXXX 's and these are XXXX Toyota Camrys. We are not exactly hard on cars. ) 4. The dealership inspected and accepted our vehicles upon return. The charges were " surprise bills '' that came later, with no opportunity to further inspect or effect repairs on our own. 
5. Finally and perhaps most importantly, this is internally generated revenue to Toyota. They choose an amount, and once the vehicle is beyond the customer 's control, send the bill. They simply have not documented that they incurred any actual repair cost. Debt discharge can only exist if, and to the extent that, the lender has taken an actual cash loss. 

In summary, these XXXX forms were issued for losses that can not be documented. In talking with several of the collection agencies assigned to these accounts, it appears that Toyota regularly tacks on these additional charges as yield enhancers and this is a common practice for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION
State: TX

Complaint narrative:
This information being reported by CACH LLC is inaccurate and still no proof has been sent to me. I disputed with XXXX and this information was removed yet it continues to remain on my XXXX and XXXX report. This company violated the FDCPA by sending me letter offering me a settlement during my dispute period which overshadowed my validation period. I want this matter investigated. My social is XXXX and date birth is XX/XX/XXXX. If I must file a civil lawsuit against CACH LLC to protect my rights I will do just that and notify the media about their unfair and deceptive collection practices. I wonder how many other consumers rights have been violated in this manner.

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 2017-03-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
We have had business and personal accounts with a particular bank for decades ( combined ), with the local branch having played an important role to helping our business get started. My husband and I are sole owners, which is evidenced on all the signature cards. We live in a rural area and there is no mail delivery on our road, so have a XXXX XXXX When the bank mailed several of our business credit cards to the street address vs. the mailing address ( again ), they of course never arrived. With 3 days to spare before the cards expired, we made arrangements for replacement cards to be sent to the local branch for physical pickup so we could activate and get into employee hands before the old cards expired. The only employee left who would have known our history was out for the afternoon, so the inexperienced bank employee would NOT release them to us, would only release to the employee who were nowhere around due to the nature of our business. No matter what we did to explain that we own the business credit card account, not the employee, and that the employee ca n't activate the card without our personal info, nor would they agree to call their internal card services dept to verify we asked the cards to be overnighted to the branch and why, they simply refused to give us the cards we requested. I then asked them to mail the cards to our business mailing address ( XXXX ), they did, but instead of going to the XXXX to mail, they put them in their internal courier system and I did n't receive for 15 days, well beyond when several cards had expired for my employees. In my utter frustration since this was n't the only business account that we 'd had major service issues with, we began to move accounts to another bank, including the direct deposit accounts for Health Savings Accounts for XXXX of our employees. We completed the information to do a bank to bank transfer of the HSA funds to ensure the proper coding, submitted the forms to the bank on XX/XX/2017, and re-submitted 2 other times since, in spite of fax transmission records to prove otherwise, they claimed they never got them. The XXXX HSA accounts were never closed until XX/XX/2017, while the bank continued to asses {$4.00} per month service charges to each account. Then, the checks got lost in the mail again ( hmmm ) and were n't received by the new bank until XX/XX/2017 for credit to the new accounts. The obvious other piece is that my employees had no access to those funds to pay their medical bills for all of that time, and XXXX of them received late charges from medical bill collectors for non-payment, all due to this bank taking this extraordinarily long time, from XX/XX/2017 till XX/XX/2017 to get funds transferred. This is very, very, very poor service, very poor practice to assess fees and refuse to reverse them by taking any responsibility for their own internal practices.

Company response to consumer: Closed with explanation