BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-31
Company: Empowerment Ventures, LLC
State: MD
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Adding money

Complaint:
Hello, I have a Rush Card. Today I loaded XXXX dollars to my card at XXXX though greendot. Then I called to check my balance to make sure It was credit. It said it was. Later I went online to pay my care note and the system said I have insufficient funds. I called Rush company, they had me on hold forever. I talked to XXXX ppl. Then I finally talked to someone they said they cant locate my money. I provided ref # and everything. All they tell me that they send to higher authority and there 's nothing they can. So now Im out of XXXX dollars and carnote not paid. I read on the internet ppl have not be getting their money. what can we do about our money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-04
Company: Deatrick & Spies PSC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was illegally evicted in XXXX as there was a formal dispute with a written letter to with hold rent until electrical problems were resolved and if not resolved, I would move out in 30 days without paying rent. The electrical issues weren ' t resolved. There was nothing on my credit report reflecting this. I vacated the premises and have heard nothing from the landlord. Upon reviewing my credit report in XXXX, I observed a recent Notice of Judgement Lien on REAL ESTATE had been filed by attorneys representing my landlord. They are subtotaling {$4300.00} excluding interest and a total of {$6900.00}. I was told by this law firm that they were n't able to forward returned documentation to me relating to this law suit/judgement and XXXX documents were n't received by me in which they validate and advised this was how they obtained the judgment. I requested information to support the judgment to XXXX who was very rude and refused to provide information on XXXX/XXXX/XXXX, I called back. I then spoke w/ XXXX who was very professional and mailed information that the landlord had provided which was a statement. I did n't receive any paperwork or documentation to support the judgment being filed. I am concerned with the time gap as well. There should be a statue of limitations. also, if no writ was reflected on my credit by way of legal dispute due to electrical problems, how is they able to come back 10 years later, indicating a year of XXXX when it was XXXX and attempt to now collect? 
I want to report this action because it is illegal and is impacting my credit score negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Empowerment Ventures, LLC
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Company : XXXX XXXX rush cards. XXXX of customers of prepaid debit cards backed by hip-hop mogul XXXX XXXX remain without access to their money more than a week after technical problems first began plaguing the cards. This has been going on for years. Back in 2012 it was income tax time, payday, and bonus check time for us. They withheld our money and froze our account. We lost access to funds. Rush Cards Stating that we had too much income coming in all at once. It was unfrozen a week or so later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
incorrect information submitted on my personal credit report, supplied proof to credit bureau experian who continues to refuse to update or delete the incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23
Company: APEX Asset Management, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested that Apex Asset management LLC provide me with proof that I requested service from XXXX XXXX the debtor they are collecting for. XX/XX/2016 I requested " A signature '' " A contract '' something so I may see my handwriting or proof of some sort that this belongs to me. The first reply I got from them was nothing more than a print out with my name, the amount owed and pretty much the info that 's on my credit report. I replied XX/XX/2016 that this is insufficient, I need a signature or something proving this is mine. 
The next reply I get from them is a list of programming from start to finish which once again does not prove to me that I ordered this service only that it 's been ordered and my name is attached to it. 
This is going over 60 days, 2 letters and 2 replied in which I requested validation and still I have none. I have requested they remove this debt from my credit reports if they can not comply with my request, it still remains on my credit reports and I still have no valid proof that I ordered this service.

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
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
I am a recent victim of the rush card scam. I have never in my life dealt with a company that has such low regards for their customers. Not one person has contacted me yet. I have put myself in a financial burden because of the rushcard. I can eat food, let alone feed my children. Please please please I am disgusted to the XXXX power and I want to take some legal actions. I have my next check being directly deposited. So does this mean they will take my money again. What are they doing gambling with my check for their own corporate scheme. I want my money so I can cancel their services. I have been embarrassed on so many levels. This is a joke and shame that people can do this to you without America protecting the citizens of this great nation. please will someone help me or send information about how I can take this to the next legal step

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-13
Company: Empowerment Ventures, LLC
State: PA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
Rushcard took my whole direct deposit from my account because of a system glitz they are having..i was told since the XXXX of XXXX that they working on getting my money back ..it is now XXXX..customer service wo n't help ... keep telling me it up to corporate office..i been treated so unfair for something that not my fault.i ca n't pay my rent ..im upset and dissatisfied with how they act like they dont carr..the sytem was suppose to have deposit my account twice but it didnt..but they took XXXX deposit out if my account..so ehen i got pay on the XXXX of XXXX account was in the negative..so they took XXXX of my XXXX check..now yhey gettinge the run around about my money..please help me get my money thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My Scottrade account was hacked and Scottrade is refusing to honor their Online Security Guarantee. I would like to file an arbitration case against Scottrade but Scottrade will not provide me with instructions on how to file arbitration against Scottrade.

Company response to consumer: Closed
Consumer complaint received 2020-12-30
Company: Paypal Holdings, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a call from someone saying he was with PayPal and wanted to confirm my purchase of a cell phone to be shipped to XXXX. I had made no such purchase. He elicited some personal information from me. After that his calls continued and I began to be informed that different bank accounts had been opened in my name. I closed those fraudulent accounts. Fraudulent charges appeared on my credit cards and I had to replace those credit cards. Meanwhile, I was in touch directly with PayPal and learned I had a dormant account with them from several years prior of which I was not aware. Eventually, on XX/XX/XXXX, PayPal closed the account. Allegedly, I owed {$3400.00} in debts I never incurred. I learned this by an email received from XXXX XXXX XXXX on XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent GULF COAST COLLECTION BUREAU certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: ACS Education Services
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XXXX or XXXX, myself and my now ex-husband consolidated our student loans. As of today this consolidation program no longer exist yet I am stuck in it. He and I are no longer married and I have made several attempts to lower my payments since I am currently in school but I am unable to get an affordable payment without my ex husband meeting the same criteria. This is a conflict because not only am I locked into a program that no longer exist, I also have " no contact '' with my ex husband. All I want to do is make a payment that I can afford and not be penalized in the process. I have no knowledge of my ex husband financial situations. I just wish there was something that I could do on my own, to pay off and resolve this matter. We are both children of deceased veterans, I have worked for a non profit organization for 7 years, I am a single mother, and I am currently a XXXX XXXX student. I just want to do good but the payments are just way more than I can afford to pay. There has to be some other options to those that have entered a consolidation program that no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage is with Penny Mac. It has a PMI fee that we have been paying. Per the original agreement. As of a month ago the Loan to Value dropped to 79.79 %, which was to trigger a stop on the PMI. I notified Penny Mac that per our agreement to stop charging me for the PMI. They refused until I PAID for a re-evaluation of my home. This was never in any documents. As a matter of fact I have a letter from Penny Mac dated XXXX/XXXX/14 that states ; that the PMI would be terminated when the Loan to Value reaches 80 % or lower than the " Original Value ''. It has reached that level and they now want me to pay for the home assessment before they will terminate the PMI. This is not part of the agreement. 
Please Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Ditech Financial LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was furloughed for 18 months beginning in XXXX 2008. This caused me to fall behind on my mortgage. I have been trying every sense to get a meaningful loan modification. I have been turned down so many times I ca n't remember them all. I have been in foreclosure XXXX and dropped XXXX. The XXXX time they won a judgment and vacated it restoring the note and mortgage in full and told the court that I had paid every thing I was behind. The XXXX time dismissal without prejudice. I am a prisoner in this home. They will not foreclose, they will not take my money ( anything less than what I am behind that is ), they will not negotiate a settlement. I am XXXX years old and life is passing me by. I ca n't buy any thing with out a very large amount of cash down and extremely hight interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Hillcrest Davidson & Associates
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
we receive a letter from a company name Hillcrest Davidson asking for {$1700.00} for a security system we never ask or have one at home they also said have our social securities # and first ask for XXXX XXXX am not XXXX XXXX but i am married with XXXX XXXX my name is XXXX XXXX when i tried to fix these debt they explain me was a contract signed from us we live in these house for more of XXXX almost XXXX never installed or ask for any security system in all we was involved with a Title company with Identity theft and houses + products be issue in our names i explain Hillcrest Davidson and they told me i have to ask for an affidavit when i said to send to me to my email the last associate start to yell and hang up the phone 4 times i call back and 4 times phone was hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a XXXX Veteran that maintains excellent payment history. I keep getting this collection flagged on my credit report by Sa-Vit Collection Agency of XXXX, NJ XXXX and the debt is not mine. I Am not the joint account holder or signed a document saying i am the responsible party for the bill they are trying to collect. To my knowledge there is no document that they have that shows me as the responsible party. Yet, they are adding my name next to my wifes name. My wife didnt speak good english and I believe she asked creditor to call me to talk about the unethical collection on her behalf. The credit company then automatically attached my name to the debt ever since. They need to remove all traces of this collection from my credit report and if they do this again, I am requesting Bureau of Consumer Financial Protection to please fine them the maximun amount for each incident they mark on my report. I pay my payments on time and it shouldnt mess with my credit score nor report and cause me damage. They continue to do this and I am requesting consumer financial protection from these illegal practices. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: BlueChip Financial
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Said they were sending a process server to serve my husband for a loan with Spot loans form XX/XX/2014. Said he was going to be charged with defrauding a company and presenting a bad check. 
He would be served if we did n't pay the {$1300.00} dollars.

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 2015-08-14
Company: Capital Management Services, LP
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received several more calls from Capital Management after I told them not to call me and the debt is not mine. I have not returned any of the calls to XXXX. This is my second complaint against this company. You contacted them but there is obviously no resolution because they continue to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-20
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was laid off by my employer for lack of work. I have requested a mortgage modification with my mortgage company Green tree several times for the last 3 years. They will not work with me to modify my mortgage. I was recently sent a property foreclosure sale notice to forecloseon my house XXXX XXXX, 2015. Ditech is my new mortgage company I did not receive a letter stating they were my new mortgage company. I want to keep my house and modify my mortgage. Please assist me with the mortgage modification. and postponing the foreclosure sale date. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: DriveTime
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I recently paid off a car financed with DriveTime, Inc. ( I had defaulted on the loan, and they repossessed it ). I submitted payment to DriveTime on XXXX/XXXX/2015. Payment was processed and posted to my account on XXXX/XXXX/2015. On XXXX/XXXX/2015, I received a letter by fax saying that my balance was {$0.00}. In a phone call on XXXX/XXXX/2015 with a member of the Repossession department, I was assured that I would receive my title in 4 - 6 weeks. As of XXXX/XXXX/2015, I have not yet received the title. I made numerous calls on this date to DriveTime, and was told several different things that contradicted each other, from the State of California holding up the title processing to the title not being processed due to a " system bug ''. I have included documentation of payment of the loan, as well as conversations with the various DriveTime staff members. Also included is a conversation with a representative of the California XXXX stating that DriveTime never submitted any kind of title or lien release paperwork. ( As each agency has a recorded statement that phone calls may be recorded, that satisfies the requirement of notification of call recording. See 18 U.S.C. 2511 ( 2 ) ( d ). )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I recently had an offer accepted on a house and started the mortgage process. The house is in historic XXXX XXXX. in PA, and was originally a bank barn that was later converted into a house. I chose PennyMac for my mortgage process since I was already an existing customer. After accepting an offer on my current home and after PennyMac received the appraisal on the new home, they denied my mortgage application because, even though there was an appraised value, it was " not the type of home XXXX deals with. '' They later said that the reason was because it was labeled as an " earth berm home '' and that I 'd have trouble getting a loan from anyone that deals with Fannie Mae. 

I researched the issue at XXXX 's website and found the exact opposite to be true. They do not have any issue with berm homes so long as there is an adequately appraised value. After contacting PennyMac again, I was told that they misspoke and meant to say that it was a PennyMac overlay and not a XXXX guideline. 

I asked to speak to a supervisor at this point, and on the phone, I was told that it had nothing to do with the fact that it was labeled as a berm home, but rather that the appraisal was full of language stating that the property was so unique that it would be difficult to sell in the future. Living in the area, I know this is a poor assessment. At this point, I still do not have my appraisal documentation so I can not verify the actual language used that is in question. 

Following that phone conversation, I then received my official mortgage denial letter. The reason stated was, again, that the house was a " berm home '' and did not meet " page XXXX '' of XXXX 's guidelines. 

The reason for my mortgage denial, I feel, is being sorely misrepresented. They have given me wildly incorrect information that had a great potential for ending my attempts to purchase this home had I not done due diligence in verifying their claims. I am currently working with a new mortgage broker to try and salvage the attempt to purchase my new home.

Company response to consumer: Closed with explanation