vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-07 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: IA

Complaint narrative:
My XXXX opened up a Scottrade account to do trading and a number of our individual members also had a Scottrade account. Unfortunately, bad service and rude support from Scottrade has convinced us to close our account and transfer our money elsewhere. Let me explain. 

Scottrade Bank and Scottrade XXXX are very closely connected, once a brokerage account is opened, Scottrade pretty much forces you to open a Scottrade Bank account to withdrawal any money. This process is time consuming and in the face of rude customer support and delays, one is immediately faced with a money withdrawing delay that is easily double of what competitors can do. The delays and lack of understanding by Scottrade management and support caused significant problems and stress, when I voiced my concerns Scottrade acted as though they " did n't care '' and were too busy with " high net worth clients '' and could close my account not have over XXXX in assets. This frustrated me and my investment friends even more. 

Last year we were switched secretaries and one of them noticed that the Scottrade account agreements we had on file were different that the agreements Scottrade was posting online. We later discovered that Scottrade was making enormous changes to its terms of service and account agreements without any notification and when we asked them for the original contract they were unwilling to provide it, and this unfortunately, led to our next problem, Scottrade 's failure to deal with disputes. 

For our records, we required the original account agreement and thus requested the document on numerous occasions but Scottrade failed to provide it, their final response was basically saying, " your account has been closed ... and we consider this matter closed ... if your dispute continues you may file arbitration ''. The thing is, Scottrade will not provide instructions or evidence that an arbitration agreement exists. Putting us in an extremely difficult spot, we have and we reiterate our requests that Scottrade provide us with the original arbitration agreement. 

Finally, Scottrade was hacked, according to a press release in XXXX, and said it sent out emails to those whose accounts were effected, we got a few of the emails and the phone number Scottrade instructed us to call would not connect, once again, filing a complaint against Scottrade led to no response. 

I would warn others that if the behavior of Scottrade to not respond to serious customer concerns it is likely better to move your money elsewhere, our club, and XXXX of its individuals have already done so and are better off for it.

Company response to consumer: Closed
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: RSI Enterprises, Inc.
State: DC

Complaint narrative:
Since XX/XX/XXXXXXXX I have received a 'first ' and 'third ' notice from RSI Enterprises , Inc. in unmarked envelopes regarding an 'outstanding ' debt to XXXX Tax and Revenue for back taxes for a year ( ending XX/XX/XXXX ) in which I did n't live in XXXX. 

To note I have received no correspondence from the city/district regarding this situation. 
The envelopes are unmarked. 
The letters are unprofessional and appear to be a scam ( i.e. grammatical errors. 
I responded to the first letter with a call, which went unanswered, and an email on XX/XX/XXXX, which also went unanswered. 
After I received the second ( which they claim is 'third ' letter, on XX/XX/XXXX, I spoke with an RSI XXXX representative, who connected me to the XXXX Office of Tax and Revenue on XX/XX/XXXX. After speaking to the main operating line, I was transferred to the Collections Office. I have been unable to reach anyone in the Collections office, and my calls have gone unanswered and messages unreturned. I have been logging every attempt to reach the Office, and I can provide specifics : XXXX to the Main telephone line at XXXX I spoke to XXXX XXXX, who advised me to speak to your office, informed me that " errors '' regarding the appropriate taxation of XXXX residents who moved to the city at the end of the tax-year is a systemic issue in the department. She recommended that I speak with XXXX XXXX and provided me her number. 
XX/XX/XXXX to XXXX XXXX at XXXX, and again at XXXX, at which point I left a message with my name, number, and requested a call back. 
Having received no return call, I again called XXXX XXXX at XXXX on Friday, XX/XX/XXXX, again leaving another message requesting a call back and providing all my information. 
Having received no call on Monday, I called on Tuesday, XX/XX/XXXX, at XXXX. I was again sent to voicemail, where I left the same message with all requisite information and a request for a return call. 
I then escalated to calling XXXX XXXX 's number at XXXX on XX/XX/XXXX. The call was not answered. I left a message again providing my information, the history of my attempts to reach the office, and a request a return call. 
On XX/XX/XXXX, having allowed the 24-hour window for a return call, I again called XXXX XXXX 's number. The call was not picked up, so I again left a message, and indicated would be attempting to contact this office by email, should I not receive a call back by noon today. 

I want to report this pattern of delay, error, and non-communication practiced by both the XXXX government and its collection agency, RSI Enterprises , Inc . Frankly, the negligence places my credit score, and therefore my financial health in whole, at risk. I am hoping that you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Empowerment Ventures, LLC
State: VA

Complaint narrative:
I have a pre-paid Visa debit card through Rushcard which uses XXXX. Myself, along with XXXX others have not had access to their funds for almost a week now due to a " technology glitch ''. My payday came and went and although my direct deposit is showing in my account online they will not give us access to it. The card gets declined or says invalid. They have given us no solution or time frame as to when it will be fixed. Their customer service # hangs up on you now. I believe they stole our money. My cell phone was turned off, I had to borrow money for food, people can not buy their medications or get gas to go to work. I need my hard earned money so I can cancel this card and never use it again. They need to release everyone 's money and if it is a card issue then overnight a new card. They will not give us any information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-20 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: CA

Complaint narrative:
This company tried to charge me a usury interest rate of over 800 % which is illegal in the USA ... I have received a demand letter from a attorney located at XXXX saying that I owe them {$1500.00} I know nothing about this activity and this unlicensed company is trying to get them to collect an illegal usury interest rate account. 
This company does not have a license to conduct this type of activity in the state of California per the Ca. Department of business oversight ... I am also filing a complaint with the California bar association against XXXX XXXX XXXX for violating the Canons of ethics. because this claim that he is trying to collect is unauthorized and illegal.

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 2015-04-15 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
The conversation was not obscene, profane or abusive, but I feel their tactics to get you to repay is unlawful. On XXXX XXXX, 2015, I called National Credit Adjusters to set up a payment arrangement beginning XXXX XXXX, 2015. XXXX XXXX asked me could I make a payment this month. I told her no and that I do n't get paid again until XXXX XXXX. She then asked me what would be different in XXXX and what will be different considering that I just got paid and already do n't have money. I told her I would get paid in XXXX and I do n't think it 's any of her business what will be different and that if I am calling to set up payment arrangements, then its obvious that I will have money on that date. She stated that it was her job to ensure I would have to money to make the payment. We went back and forth and I hung up on her. I then called back and asked to speak with a manager. I spoke with XXXX XXXX. He reiterated that it is their job to ensure that money will be available to make the payments. He would not set up payment arrangements with me and told me to mail the payments in when I could. We then argued and I hung up on him as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Midwest Recovery Systems
State: IL

Complaint narrative:
I never applied for a payday loan through this XXXX XXXX XXXX, they 're scammers. They have all of my information old checking account number my social security number. I just learned Today XXXX/XXXX/16 they have put this on my credit report as a collection for the amount of {$640.00} and this Midwest recovery is on my report. I called the XXXX XXXX number and they told me that I can settle this matter for {$300.00}. I do n't owe this never got a payday loan from this group and want this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: BlueChip Financial
State: CA

Complaint narrative:
This company spot loan submitted an illegal usury interest rate claim to these people that is called XXXX banks XXXX ... .I do not owe these people anything and would like for them to stop harassing me ..I am XXXX ... .years old and can not take this type of consistent harassment.

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 2015-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I get monthly credit reports and this month i have a company turn me in collections and i have never heard of the debt, I called the original debt ( XXXX ) holder listed on the report and they kept me on the phone for hours then hung up and i called back they stated it was sold to another company so i ask for the information they sold and said they could not give me that but did give me a company name ( National Credit adjustments ) so i called them and told them and they said that it was sold to another company ( XXXX XXXX XXXX ) but refuse to give me any other details i ask why i was not sent a letter or invoice and he stated that if i paid my debts things like this would not happen, So then I called the XXXX XXXX 4 times and left a message but get no return callNational Credit Adjustments is the one that reported it to all three credit reporting agents, i want proof of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.The wrong company is saying they own and are calling at XXXX and after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: BlueChip Financial
State: MI

Complaint narrative:
I have been receiving phone calls from a payday loan that I do not recall taking out. They say it was drawn from SpotLoan in the amount of {$800.00}, and was given to me on XXXX 2013. They claim I never made one single payment with would not be the case if I had taken out a loan. Im confused because I have n't heard a thing until the last few days. I called SpotLoan and the representative could not even tell me what account it was deposited to. Its been sold to a third party collection whom has been extremely unprofessional ( XXXX ). I keep receiving calls threatening me. I work for XXXX and they went as far as to call my job ( XXXX XXXX ) department to report the debt. On top of the calls from the agency I get calls saying their is a civil complaint against me and garnishment will be sent to my employer. Seems suspicious in nature and high pressure collections. I also told the agency that I would have to look into this claim and she said NO EXCUSES!! I do n't want to hear them. She also wanted me to report my bank info so they could make payment arrangements. I do n't even know this persons name, it was not provided to me. I refuse to be intimidated and harassed in this manner.

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 2016-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX as of XXXX XXXX, 2016 now Penny Mac has the loan. I notified XXXX XXXX XXXX that I wanted to pay {$2000.00} on the principle balance of {$3000.00}, I was inform that it could be done even though I was behind two months. After making the payment on XXXX XXXX, 2016, I notified XXXX XXXX XXXX to verify that the payment had been processed properly, the payment was applied to unapplied funds and sent to Penny Mac ; therefore, I called Penny Mac to inform them of the request to apply the funds to the principle and I was told since the principle was {$3000.00} it could be done so after a few days I called Penny Mac to verify that the {$2000.00} payment had been applied properly but it had not so I spoke to a supervisor ( XXXX ) who attempted to get the amount approved but I was denied the opportunity to pay the loan off as early as possible. The loan would be paid off in two to three months rather than seven to eight, Penny Mac distributed the payment the way they wanted without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ACS Education Services
State: WA

Complaint narrative:
I have a private student loan with ACS-Education. I submitted an Economic Hardship Forbearance/Deferment on XXXX XXXX 2016 because of a drastic change in my economic circumstances and inability to make the normal payments I have made for the last 5+ years. I was told it would take 7-10 days. Since then, I have received once inconsistent email after another telling me different things. I have not received a formal reply regarding my request. On XXXX XXXX, I had to call 3 times and got 3 different answers regarding the status of this request! In addition, I asked to see a written copy of the terms and conditions of any formal forbearance request and I was told, astonishingly, that they have no written agreements! How is it possible that an organization can exist and operate as a business with such unethical business practices and violating a consumer/borrower 's rights to agree to terms and conditions AFTER reviewing them in writing instead of verbal, over the phone agreements!? ACS-Education has refused to work with me for a more long term solution to my economic hardship and student loan debt burden. ACS Education has refused to be transparent in their procedures regarding my requests and they have failed to deal with the requests and enquiries in a timely manner or even to have proper writtent forms, agreement and procedures to ensure transparency and consistency. As such, they are in violation of my rights as a borrower and, I believe, engaging in highly inconsistent and unethical business practices, especially in terms of servicing my loan. To date, they have not processed my Economic Hardship Forbearance request for the maximum of at least 31 months to allow me time to deal with my drastic change in circumstances, especially considering that I have made consistent monthly payments over and above what was due for over 5 yeas now. I need CFPB to intervene and help resolve this matter immediately! Please help me! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services
State: NJ

Complaint narrative:
My student loan company, ACS Education Services, has given me a choice : I can receive monthly statements about my account, or I can enroll in an auto-pay program that results in a 0.25 % interest rate reduction. Obviously I want to reduce my loans as much as possible, and auto-pay is a great way to avoid missing a payment. So I took that option. 

However, without a monthly statement, I can not easily see how I am doing on this loan from month to month. For instance, I can not tell exactly how much I am paying in interest each month. There are " informational '' webpages I can access, which seem to provide a snapshot of the loan at that particular moment, but those webpages do not provide a monthly status report the way a statement does. Nor can I keep records of my ACS statements, as I do with my loans from another servicer. 

My question is : Is it appropriate and legal for ACS to refuse to provide monthly statements to borrowers unless we agree to forego the lower interest rates and auto-pay? Should n't they be required to provide monthly statements to everyone? It does not seem fair to force borrowers to effectively pay more, and lose auto-pay, just to have a monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
My husband and I are behind in our mortgage payments and Green Tree Mortgage is constantly calling us which I understand is their job. The loan rep. called my work however and told a supervisor who he was. This I think is wrong. He then spoke to my husband XXXX and told him if he gave our bank account number to him he would freeze the mortgage account at Green Tree 's level to keep us out of foreclosure. The loan rep said NO MONEY would be taken from our bank - it was simply an internal form he needed to fill out. My husband believed the man and thought he was helping us out. The loan rep took the account number and submitted some form of request for payment from our bank which overdrew our account by {$3400.00}. We have no money now with a sick husband and XXXX children. I tried to call the mortgage company to report this and was passed from person to person and told they did n't place the hold which was a bold faced lie. Then they told me my husband authorized the hold which was a lie. They kept giving me the run around when I asked to speak to a supervisor or XXXX they kept me on hold for over XXXX minutes waiting to speak with a manager. The mortgage company kept passing me through to XXXX XXXX our loan rep who was the one who LIED to us. I understand we are wrong for not paying but that is not an excuse for a mortgage company to lie about things and overdraw our bank account. My husband is sick and this is so unfair and then to be treated like my complaint was not valid made me so angry and to keep passing me back to the man who started the whole lie was insulting. Please tell me there is something that can be done so this does not happen to anyone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Midwest Recovery Systems
State: CO

Complaint narrative:
In XXXX XXXX, I received a loan from the XXXX for XXXX with a fee of XXXX. In the next few months, I made payments of XXXX. In XXXX XXXX, I was struggling to pay. I received a email in XXXX XXXX about the loan and indicated I would pay off within the month. I received no further correspondence. I called and was told I would receive a final payoff statement notice, I never received any hard copies copy of the loan agreement or requests for payments. All documents were sent via email. In my email documents. I keep all my email but can not find an application or signed documents of any loan agreement I can not find any documents which I signed. 
After XXXX XXXX, I did not receive any further emails. 
In XXXX XXXX, I received notice from my credit report alerts that I had a delinquency filed by Midwest Recovery for XXXX on my credit report causing my credit score to drop XXXX points. 

I called Midwest Recovery on XXXX XXXX, XXXX and was told that I owed XXXX to XXXX for XXXX ( XXXX business name ). 

They then sent me the attached email saying that I would have a delinquency posted to my account if I did not pay. Copy attached. Midwest Recovery had already posted this delinquency to my credit reports in XXXX XXXX before I received this email. 

This company has : Requested an additional 130 % of the loan taken out, Violated the process for filing a delinquency on my credit report before they gave me the opportunity to dispute which I am doing as I file this complaint. 

Your assistance with this predatory process is greatly appreciated.

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