vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
This complaint is in reference to release of insurance money owed to us by Green Tree Mortgage for flood damage that was approved by our insurance company. We suffered flood damage to our home on XXXX in XXXX. We submitted all claims/ required paperwork to our insurance company XXXX XXXX XXXX and they were amazing and expedited everything we needed to do repairs. They issued a check to us on XXXX which had to be co signed by our mortgage company, Green Tree Mortgage XXXX we did not pick this mortgage company directly as they are result of XXXX selling our mortgage to them XXXX. Green Tree cashed the check on XXXX/XXXX/15. I have submitted all the required paperwork and every time I speak to them, they give me the run around and seem to conveniently misplace the paperwork that I have been sending and keep having to resubmit. Every time I inquire on where my funds are, they come up with another reason why they can not release our money to do our repairs. We complied with everything our insurance company needed including documenting and approving all contractors. Now Green Tree is saying that they can not approve our contractors? What right do they have to do this when we complied with all of the proposal requirement and contractor requirement from our insurance. Each time, with over XXXX calls place to Green Tree Claims Department, I sit for over 35 minutes just on hold with Green tree to try and get a live person and continue to get the run around and meanwhile I am living with rotten flooring and sheet rock. As of XXXX, no progress has been made. Per your site, there are having numerous complaints against Green Tree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
Rush card did update on XXXX XXXX and has had issues to this date, money is missing, fees applied out of nowhere and phone calls are not being answered, this date I am locked out of account and not able to reach anyone, left messages with no return calls!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-14 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: Source Receivables Management LLC
State: WI

Complaint narrative:
I complained to XXXX when I closed my account with them that I was disappointed with their service. I was told that I would not owe any early termination fees as I was outside my early termination period. I have since then received a phone call and XXXX letters, all from different debt collection agencies, requesting I pay an early termination fee or they 'd report it on my credit report. I instructed all XXXX debt collectors that it is not a debt that I owe because I was told there would be no early termination fees because I was outside my contract term. XXXX of the debt collection agencies did place it on my credit report which I had to fight to get removed.

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 2016-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: CT

Complaint narrative:
on XXXX XXXX 2016 rush card deposit my ssi money would not let me access my money for 10 hours I have proof of it on XXXX XXXX 2016 rush card deposit my ssi money would not let me access it for 3 hours I called corporate office woman said deal with it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: AL

Complaint narrative:
On or around XXXX XXXX or later I tried to use my prepaid Rush card to by groceries for my family. I put my items on the counter and the cashier began to scan. Now it 's time to pay, as I swiped my card it kept declining it the cashier even tried to swipe the card her self because I told her that something has to be wrong because I know there is money on this card. The cashier told me that maybe her system is down, so I put the groceries back and proceeded to another store. At the other store as I swiped my card it read the same thing ( DECLINED ), now I am saying something has to be wrong with my card. This was a total embarrassment for me. I should n't have to suffer just because this company wants to upgrade their system. There has to be a better way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: SC

Complaint narrative:
Calls routinely trying to contact my son. They have been told with every contact that my son is imprisoned and not available at my residence or at my telephone. They state that my number will be removed. The calls have continued for 11 months. Please make them leave me alone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GOLD KEY CREDIT, INC.
State: NY

Complaint narrative:
I was billed for medical services despite my submitting a written request at the time of admission to the hospital, that only physicians who are willing to accept Medicare as full and final payment should attend to me. The bill was never submitted to Medicare by the service provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
Rushcard users like my self have ben waiting on there deposits for over 2weeks. I usually get some of my check from my employer. To cover gas or food during the week. An maybe pay my phone bill. But the card is now inactive an it does n't have my direct deposit on it. Im confused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
Gold Key Credit submitted a debt that belongs to a person with similar name as mine, but shows a different address. It reported my address as being the debtor even though Gold Key Credit shows a different address on the debt. It was placed on my credit file report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
I have the Rush card and have not been able to access my money for weeks. My bills have not been paid at home and my daughter college funds ca n't be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: IN

Complaint narrative:
Rushcard has not deposited my money for the second time last week they did n't do it I had to wait a day for my funds I was n't able to pay my bills at all. Also charging me for fees they never charged me for before

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
On XXXX XXXX, Rushcard performed a so called update and stated that it would last for only a few hours. Unfortunately, the issue evolved into a much bigger problem leaving me without access to my funds or using my debit card for almost a week. I called Rushcard for a week straight and stayed on hold for over an hour with no resolution. I get paid on Fridays and my check did n't post until Saturday morning. Now my paycheck that I should 've received on Friday, XXXX, I would 've got paid again. However, today on Wednesday, XXXX, I still do n't have my funds on my card. My employer sent the deposit over and Rushcard has n't given me access to my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I have made XXXX attempts to have a fraudulent account from Common Wealth Financial removed from my credit profile. I was never contacted by them however, I have reached out to them via certified mail once I discovered the account on my credit and they have yet to respond or communicate with me- but they are telling the credit bureaus the account is mine. 

Also it appears the account is for a medical bill when I have also be insured without any interruptions and I work XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
I recently viewed my credit report from XXXX and found the collection account it. They did n't send me any notice neither a debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
The problem is that there is an account that shows on my credit bureau for an account that was paid off by the hospital by charity care that I received at the emergency room. I have no idea how this account even went to collections status as it was paid off in full. I even sent a copy of the letter that I got from XXXX XXXX to show the creditor that the bill was paid in full by the hospital. This issue should have never went to this level as the account is showing negatively on my credit bureau despite sending the proof that I got from the hospital to certify that this issue should have been resolved before collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Courtesy Finance LLC
State: TN

Complaint narrative:
We were in the process of obtaining a consolidation loan from another financial institution. We told XXXX XXXX [ who the installment loan is with ] about this consolidation process XXXX times. We finally got a closing date for the consolidation loan and called XXXX to obtain the installment loan 's balance. We were told we could not get the payoff over the phone [ they gave us a balance on the accounts ] that we would have to go in. We went in to get the payoffs and gave them the date we thought we needed the payoff amount to be. They printed out the payoffs. Our consolidation loan closed 2 days after the payoff amounts were good for. The day after the date the payoffs were good until, XXXX of XXXX 's [ his name is XXXX ] employees came to our home ... to " scope things out ''. My partner approached him and she told him that the consolidation 's closing date was the following day. He was condescending, telling her that we had " promised '' to pay off the installment loans on the date we asked for the payoff amounts. He also asked " what car titles '' his company held [ they were never given auto titles ]. 

Prior to his coming out to the house, they would call our phones up to XXXX times daily. 

I was also dealing with another installment loan company that was the TOTAL OPPOSITE of this XXXX. They documented each time we called concerning payoffs, the original closing date and the new closing date. No complaints for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Management Incorporated
State: MA

Complaint narrative:
In XXXX 2016, I successfully disputed a debt that was claimed to be mine. I had no prior knowledge of this debt 's existence. The XXXX credit bureaus ( XXXX, XXXX, and XXXX ) found no sufficient evidence that I owed any debt to this particular agency. However, I am still receiving phone calls from an agent in an attempt to collect this disputed debt. 

My attorney and I have attempted to have this agent and their agency validate the debt and cease and desist all communications with me. We have been unsuccessful in reaching them by mail because all addresses that were provided by this agency are not valid. 

As of today, I am still receiving phone calls from unrecognized numbers and callers who are clearly associated with this debt and still attempting to collect it, but refuse to properly identify themselves. They are leaving cryptic voice mail messages, not disclosing their names or credentials, using intimidating and aggressive language, and are making threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
This debt does not belong to me. Does this company " Ability Recovery '' whom I 've never heard of have any financial instrument with my signature on it? 

I do not owe this money. 

Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I am a XXXX veteran, covered by XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX and XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, the Code of Federal Regulations, Title XXXX, Part XXXX, paragraph XXXX ( d ) and XXXX XXXX and XXXX, and XXXX ( c ). 

Original creditor - XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX - was paid by the XXXX {$170.00} XXXX US Government Check # XXXX dated XXXX XXXX, XXXX for emergency medical services rendered to me on XXXX XXXX, XXXX. The original creditor billed the XXXX {$1300.00}. The original creditor was apparently unhappy with the amount paid as mandated by federal law using the XXXX XXXX XXXX XXXX pricer, and then perpetrated on ongoing fraudulent scheme, that continues to this day, of either selling, assigning, or otherwise engaging prohibited services of several 3rd party debt collectors/debt buyers. 

Under current law established by XXXX of the United States, as published in the Code of Federal Regulations, Title XXXX, Part XXXX, paragraph XXXX ( d ) : " Payments made in accordance with this section shall constitute PAYMENT IN FULL. Accordingly, the provider or agent for the provider may not impose ANY ADDITIONAL CHARGE for any services for which payment is made by the XXXX '' You may not bill the veteran or any third party for any balance not paid by the XXXX BALANCE BILLING IS PROHIBITED. 

Additionally, XXXX XXXX XXXX states " Payment by the VA on behalf of a veteran ... extinguish all liability on the part of the veteran for that emergency treatment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Our client, XXXX XXXX XXXX submitted a loan modification on XXXX XXXX, XXXX. Proof of same attached. Her sale date was not until XXXX XXXX, XXXX. After cooperating with Ditech and opposing counsel with the clarification and ongoing submission of documentation, along with filing a motion on XXXX XXXX, XXXX ( Emergency Motion to Cancel the Sale ) based on CFPB guidelines, we finally got opposing counsel to confirm the file was facially complete and sent an agreed order cancelling the sale to Judge XXXX on XXXX XXXX, XXXX. Unfortunately, XXXX XXXX did not receive the order and the sale went through. We then filed our objection to sale on the basis that there was a pending loan modification review AND that we had oppossing counsel 's agreement on XXXX XXXX, XXXX. We had a hearing on our objection on XXXX XXXX, XXXX. Opposing counsel lied to the Judge that we did not file a motion to attempt to cancel or stay the sale ( we did on XXXX XXXX, XXXX ) and opposing counsel lied and indicated they did not have all the documentation necessary ( which they did and confirmed via email re : same and attached ). Opposing counsel also indicated to the Judge that our client was NOT on the mortgage when in fact she was. The XXXX did not weigh in our favor and his decision was based upon incorrect information. As a result, our client is being threatened by the new owner when we are in the process of filing a motion for rehearing because the Judge did not have the proper facts to make an informed, fair decision. We ask for your help in that we need this opportunity and support so to file a motion for rehearing and have the certificate of title vacated as all was done as a result of incorrect information. I have attached emails in support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I filed for bankruptcy many years ago. I keep getting letters in the mail telling me about debt collection methods, but to ignore if I filed for bankruptcy and the discharge was in bankruptcy. It was in my bankruptcy, why do I keep getting these letters?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have received notification of a late monthly payment from GreenTree now called Ditech Financial LLC ( I think ). I previously requested supporting data from GreenTree of what month a payment was missed. I did not receive documentation to support that. I did get paperwork that looked like creative corporate accounting of late fees and interest charges. 
I pulled about four years of automatic payment records ( my mortgage payment has been set up to automatically pay every month for over 10 years ) from my credit union ( XXXX ). What I saw was a faithful printout of the monthly mortgage being sent out like clockwork at the same time each month for years. 
I do n't know where or why there is a discrepancy, but there seems to be. I suspect that GreenTree and now Ditech Financial are racking up fees and interest charges. 
I 'll say the same thing now I said before " show me the month that the payment was missed and I 'll pay it ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: NC

Complaint narrative:
This is a multiple issue report on Greentree Servicing. Greentree purchased my personal loan from XXXX ( despite me paying XXXX every month ) and has been terrible ever since. The XXXX call I ever received from them was a threat to go to court, despite having never heard of them or being aware that XXXX had sold my loan to them. Past issues with them include them directly lying to me about filing for a deferment that they suggested because I was short on work that XX/XX/XXXX so they said they would give me a deferment and I would n't have to make a payment in XX/XX/XXXX ( this was request was never even filed by the representative ) and recently filing one for two months, and telling me that it was for two months, but it only being approved for one month and no communication of the arrangement being changed until they began calling me asking for the payment that I was n't supposed to have to make. They call every couple of hours from XXXX different numbers ( XXXX in XXXX, XXXX in XXXX ) within ten to twenty minutes of the other call. This company is terrible at working with borrowers and make you feel threatened and belittled at any chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I made a payment online to Green Tree. They replied back about a week later saying the bank XXXX did not have enough funds to cover the mortgage payment. The letter states I owe them {$25.00} is processing fees and know the payment is late so I have late fees as well. Of course there was more than enough money in my account at XXXX. Green Tree has no said they will no longer take online payments or checks from me.

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