vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
On XXXX 2016 I made full payment for home owners insurance for my property XXXX XXXX XXXX XXXX Pa XXXX. The cost of the new policy was significantly less than the previous policy. From XXXX 2016 until present date Ditech has continued to escrow funds in excess of the total amount due divided by twelve months. The total amount of mortgage -principal, interest, real-estate and home insurance has not been assessed so that the correct amount of funds are credited as additional principal that I that I pay each month. The homeowners insurance was paid in full so there it should not have been included in the escrow balance. The total amount due for the mortgage should have been decreased or I should have received a refund of overage paid to my account. 
My home new home owners policy cost less than the previous one. I paid it in full. Yet Ditech continues to take funds from my payments and place them in escrow for the homeowners insurance. 
The additional principal has not been actually reflected on the statements. The principles should be significantly reduced because I pay an additional {$74.00} principal each month. Plus a XXXX balance due for home owners insurance should reflect be reflected on my statement. 
Ditech owes me for overage paid to my escrow, but a recent statement sent to me states that I have a deficiency of XXXX. This is not accurate. Also what are the rules that govern collecting a cushion for escrow Ditech is planning to collect & {$360.00} as a cushion escrow. Why is there a escrow cushion be calculated into mortgage if payment for the homeowners is paid in full. 
The escrow account disclosure is inaccurate and appears to be a deliberate effort to not reflect what was actually paid and what is actually owed. 

I want an independent assessment of my account. I want excess monies paid into my escrow refunded and I want all future additional monies paid to be credited as additional principle. 
XXXX XXXX Account number 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 2016-07-29 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: NM

Complaint narrative:
Upon checking my credit report, in both XXXX and XXXX I came upon a debt for {$610.00} on an ambulance charge with XXXX XXXX XXXX as the original creditor. The opened date was XXXX XXXX, XXXX and the last reported date as of XXXX XXXX, XXXX. I believe this debt to not be mine as I do have medical insurance through my employer and have not had to use an ambulance service but my insurance would have covered it if I did. I do have other ambulance service debts reporting on my credit report, however they are being reported by XXXX XXXX XXXX XXXX XXXX as the original creditor and the opened date is from XX/XX/XXXX and XX/XX/XXXX, but is being collected by another debt collection agency. I have disputed the debt with XXXX but have not with XXXX at the moment. I have also not received a verification of the debt by letter from the agency collecting this debt and had tried to call the number provided on my report but it states the voicemail is full. I also tried accessing the website but when providing my information such as, name, zip code, and last XXXX of my SSN, it states they are unable to find my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 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:
This company is reporting this debt to transunion with an opened date of XXXX. this account supposedly went delinquent in XX/XX/XXXX. Northeast credit collections was also reporting this debt to XXXX with a date of XXXX. they are reporting an old debt that should have been taken care of by insurance, and also reporting this as being opened XXXX which is totally incorrect. they are reporting this debt as it 's three years old when in fact it 's been 7 years as the debt was obtained in XX/XX/XXXX. they are reporting false information to the credit bureau in order to damage my credit and make it seem like a new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LendUS, LLC
State: CA

Complaint narrative:
I am an elderly with a mortgage on my condo with RPM Mortgage. They kept sending me letters asking for proof of insurance and provided a fax number to fax in the information. XXXX I faxed the proof of insurance on XXXX XXXX and XXXX XXXX 2015 ; and yet I just received a letter from them dated XXXX XXXX 2015 saying they have purchased insurance at my expense from an affiliate of their at XXXX time the cost of my insurance. Also, my insurance shows RPM Mortgage as the Mortgagee and the insurance company sends the RPM a proof of insurance directly as well. There is no reason why RPM should even need me to fax them proof of insurance. What RPM is doing is harassment and to sell insurance that their borrowers do n't need. They clearly have proof that I have insurance and yet their policy seem to be to ignore all evidence and just force their insurance on you. 
I want them to refund me the {$1500.00} they charge for my insurance when I already have insurance and to stop harassment me. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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: HI

Complaint narrative:
My bankruptcy was discharged in XXXX of 2013. I just saw my score on XXXX plunge by XXXX points after trying to build my credit the last 3 years. COMMONWEALTH FINANCIAL SYSTEMS for XXXX sent something to the credit bureaus but showing a XXXX balance which has hurt my score substantially. This was all taken care of in the bankruptcy in 2013. Please help me to get them to fix this with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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:
There are XXXX ficticious medical bill charges on my credit reports that were illegally placed there by a company called Commonwealth Financial in an attempt to extort money from me by damaging my credit. This is in violation of FCRA laws XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$53.00} By placing XXXX separate charges on my account, they are deliberately attempting to damage my credit further than if they 'd placed a single charge. I have contacted Commonwealth and they were unable to provide any proof that these charges are real and valid. 

I asked the representative that I spoke to at Commonwealth if these were the hospital emergency room visits that my wife and I made after being hit by a drunk driver ( all medical bills were paid by XXXX XXXX XXXX XXXX XXXX ). Strangely enough, she told me that these were not emergency room visits, but rather 'physician bills '. 

In actuality, XXXX ' ( sometimes listed as XXXX XXXX XXXX XXXX XXXX ) is a fake agency and Commonwealth is known for illegally reporting these fake charges on random credit reports. They always list the charges at least twice, in an attempt to create 'panic ' in the victim and get them to pay faster. 

If the charges are successfully disputed off, Commonwealth will start placing random amounts as many as eight times on a credit report to exact 'revenge '. 

Case number : XXXX is an incident that happened to my wife, where Commonwealth had placed eight fake charges on her report. 

XXXX XXXX of Commonwealth Financial acknowledged that the charges were indeed fake and has promised a deletion update to my credit report, however this has not been done. She claimed to offer a deletion only to close the last case. I have not received a valid bill, I have not received an explanation and the charges are still on my account. 

I attempted to call Commonwealth Financial Systems again and I discovered that they blocked my telephone number : XXXX. How in the world are they attempting to collect debts or resolve erroneous information if they block the telephone numbers of people trying to call them? That seems a little suspicious. 

What Commonwealth Financial is doing is illegal and I would like to follow up to ensure that they are prosecuted. Meanwhile, I am pursuing a civil case against Commonwealth Financial as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Delta Management Associates, Inc.
State: OH

Complaint narrative:
XXXX from Delta Management calls my family and place of employment- Does not call me- stating that he is issuing a warrant on me. He calls and requests information from my place of employment without stating a reason. He has shared my ss # with people he has talked to. I spoke with him once on the phone at my plae of employment. He requested information from me and wanted to " verify '' who I was without telling me who he was or why so I did not share any information with him.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bonded Business Services, Ltd.
State: CO

Complaint narrative:
While I was inundated with XXXX XXXX, multiple XXXX, XXXX and related needs for same and unable to take care of any of the obvious needs, a judgement was issued. I attempted to contact the debtor and get the information but have not received a verification of debt. 
The debtor has attempted to garnish the bank account and this is the only means of survival since our only income is Social Security Benefits. We have since received a pattern interrogatory from them.

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 2016-11-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I received a debt collection letter XX/XX/XXXX for a debt from XX/XX/XXXX. This was the first I was ever notified of an outstanding debt, despite living in the same house until XX/XX/XXXX. I called CFSI to dispute the debt, and was treated very rudely and told to pay the debt. I requested CFSI verify the debt and the phone rep hung up on me. I called the original creditor, and was informed they did not show any outstanding balance or debts. I sent a certified letter to CFSI relaying this information and again requesting they validate the debt. Within three weeks of the date on the notice from CFSI they have already contacted the credit companies, yet not contacted me to confirm or deny the validity of the debt. There has not been any attempt to settle this matter, they are using strong arm tactics to get money any way they can. This is not right, and I will seek legal representation to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Suttell, Hammer & White, P.S
State: OR

Complaint narrative:
This debt is not known to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
on XXXX XXXX XXXX I called rushcard to say my card was lost or stolen they told me the account card was going to be deactivated so i put in dispute and nothing seems to happen on XXXX XXXX and they told me nothing was filed and nothing was on hold the card was still opened and was able to be used so I went online myself and cancaled the card on XXXX the XXXX there was still large charges coming in from facebook on my account and the rush card did nothing to help me when i said to them i was going to call the police and file a complaint agaisnt them they di open a dispute and told me they were going to email me the form to fill out and wait 1 to 3 hours nothing came and then again on the XXXX of XXXX called in and asked agian for the form and nothing was sent XXXX in dispute so what did they do after i was disputing only XXXX charges they went all the way back into my account and filed XXXX charges which in turn will be fraud on my part if i sign the form which still never was sent they love tell you what you want to hear but do nothing to fix it they want your money and collect interest on it while not giving it back to you they refuse to help they are not afraid of the banking laws because they dont fall under it metabank backs them and then metabank say no they use there routing i am at the merecy of rushcard which they dont care about no XXXX but themselves they dont care who steal my money they say i should be more careful not the answer i was looking for so my m, oney is gone and they wont dispute them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: TN

Complaint narrative:
RUSHCARD : I have been unable to access my funds for 2 days. A deposit that was supposed to be made, has n't. I am in dire need of my own money that I work very hard for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
Recently rush card had an outage or system update I 'm not sure really, but I did n't notice until I noticed that money was drastically taken off my card without my approval. I have tried contacting them numerous times but the only thing I was getting was a pick up and hang up.which was very odd. That 's when I got online to see if maybe there was another phone number available and seen that there were so many complaints, and so I happened to come across the consumer financials phone number. All I want is my money back as soon as possible. I have XXXX kids and I 'm a single parent and every penny I work for I DONT approve of it just being tooken away I mean who would? ... ..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
I have been with RushCard for about 3_4 years now all of a sudden beginning XXXX of 2015 there has been an issue with me getting my funds into my account here it is again XXXX XXXX and again the same problem no funds from my job direct deposit been calling since XXXX XXXX no answer I have no money and XXXX kids what am I suppose to do mean while I did n't even receive an email or nothing please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Prepaid card — Transit card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: SC

Complaint narrative:
I have funds missing from my account and I 'm unable to access my funds. I need gas and have to pay bills. My balance is showing XXXX and I know for fact I have about {$350.00} missing. Rushcard needs to cut me a check for this upsetting experience. They ca n't pull up any account information when you call customer service. It 's sad. I 'm depressed behind this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: KY

Complaint narrative:
I recently ordered items from XXXX for XXXX. Upon realizing that they would not be delivered in time for the holidays, I cancelled the orders. Unfortunately, the payment authorization holds that were placed by XXXX remained on my RushCard account. I contacted XXXX Customer Service and they assured me that the money had not been withdrawn, as all my orders were cancelled. Upon calling RushCard Customer Service, they stated they would need verbal authorization from the merchant stating all orders/totals had been cancelled. We participated in a conference call with XXXX and they confirmed the needed information. When speaking with the RushCard representative afterward, he stated that since my account had not been open six months, he could not do anything. Because of RushCard 's policy regarding this, I will not receive my money for TEN DAYS. I need this money to finish my children 's XXXX shopping, which was my intent when I cancelled the orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: TN

Complaint narrative:
I have been a customer of unirush ( rushcard ) for about a year and a half. I have my paycheck direct deposited to this card. I had a direct deposit sent on XXXX/XXXX/15 scheduled to be posted to me on XXXX/XXXX/15 which rush card has never applied. Confirmed metabanks receipt of my direct deposit yesterday yet I do not have my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade Brokerage and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.

Company response to consumer: Closed
Consumer complaint received 2015-10-28 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: TN

Complaint narrative:
I ca n't get my money of my card even when it 's showing up. Now I 'm behind on all my bills everything getting cut off and they adding late fees XXXX transaction they took all my money off and it was never received by the company. I been without my money for two week this is so frustrating. Who gon na help up get our bills back on track. I 'm finding me a lawyer and another card company. Been with this company since 2009 never again will I do this. I have a daughter at home and a father who is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: AL

Complaint narrative:
While checking my reports I noticed in the collections area an entry from Cach LLC opened XXXX XXXX for a debt that is not mines. I 've had no communication from this company concerning this unvalidated debt and I 'm sure there has to be a mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I would like to file arbitration against Scottrade. Scottrade has refused to provide me with a copy of the arbitration agreement. Can you please provide a copy of the arbitration contract.

Company response to consumer: Closed
Consumer complaint received 2015-10-29 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
I thought I had lost my card on XXXX XXXX, 2015, I tried to call in to have my card blocked and after being on hold for over an hour I logged into my online account from my computer and found that I could block my card myself. After blocking my card a few hours later I found my card. For the next 4 days I have been calling and calling being put on hold for hours and being hung up on I have yet to have my card unblocked. I have also emailed the company 's member services email twice and have yet to hear anything even though I was told I would have a response in XXXX hours I have a daughter who needs diapers, bills to pay and I have no access to my money because I can not unblock my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: MO

Complaint narrative:
I have requested my replacement rushcard XXXX paychecks ago and have yet to receive it. I have paid expedited fees and still have yet to receive my card. I have request it XXXX times starting on XXXX XXXX. I have XXXX small children XXXX XXXX XXXX and I can not pay my bills and can barely make it to work. All my money is on that rushcard and I am beyond frustrated hurt upset annoyed and irritated.

Company response to consumer: Closed with monetary relief