vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
Rush card will not activate my card they keep transferring me than hanging up on me I have been on the phone for hours I do n't feel it fair I need my money that they are holding I 'm forced to go to payday loans to pay bills and get gas to to work and feed my family I ca n't get my medicine no moneys

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: MO

Complaint narrative:
I requested a replacement card from Rush Card on XXXX, and was told it would take 7-10 business days. As of the XX/XX/XXXX. I still had not received the replacement. I contacted them again on the XXXX and was told they would send a card through expedited XXXX. It was supposed to take one to two business days, which would have been Friday the XXXX. I have repeatedly called and and am left on hold for hours only to be hung up on! I have been a customer for over four years with this company, but at this point I must want access to my funds. I am unable to make any purchases of any kind. I have a medical condition that requires medications daily and am unable to purchase. I contacted the XXXX office Friday XXXX XXXX and was told there was no package sent. Through them, but Rush Card insists it was mailed! As of Saturday XXXX XXXX I still have no access to or a replacement card for my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: LA

Complaint narrative:
RushCard has been having system issues since XXXX/XXXX/2015, I had lost my card on the XXXX and blocked it. I called in a day or 2 later to have it unblocked and the representative said it would be active in XXXX hours which would have been Monday around XXXX CST. My card was still not active as of Wed so I called back when I was informed that they were unable to access their system to reactivate my card or remove block. Today is XXXX/XXXX/2015 I have calle dalmost every other day and I still have no access to my funds. I had to move out of my apartment with my XXXX children, I am unable to buy food to feed my family, I am unable to pay my car note or have my transmission fixed that has been broken since last month. I have no money and although family has been helping a little, they have their own families and bills they are responsible for. I do n't have any money, I had to change my kids school because I moved and almost lost my job because of days I missed and came in late. My job will not issue me paper check from check received on XXXX/XXXX/2015 because the funds were not sent back to them so I now have no way to get my check that was direct deposited a week ago. I can not purchase food, winter uniforms for my kids, pay my car note or pay for a taxi to get to and from work, find another place to live because I will have a non payment eviction and it will be hard to find another apartment for my family to live in with an eviction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-10 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I am writing in regards to the hacking that occurred at Scottrade XXXX XXXX, Scottrade, XXXX and Scottrade Bank. 

Specifically, I seek clarification on whether my passwords were encrypted or hashed. 

Scottrade 's press release here : XXXX, states that the passwords were encrypted and NOT hashed. 

If Scottrade did not hash passwords, I would like to know why, and I would like to know if the encrypted key has been or could have been targeted in the hack.

Company response to consumer: Closed
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
They are reporting multiple items on my credit report saying I owe a debt that I did not know about. As I have not had any loans or credit cards since around 2004, If this is my debt, it is over the 7 year reporting limit, and it is also a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ), so it should not still be reporting on my credit report. I have disputed this item on my credit report and been told it will not be removed, but requests for proof that is my debt and when this debt was last paid, have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Integrated Asset Recovery LLC
State: OH

Complaint narrative:
HI, ok, I got a call from a company telling me that I was going to be served tomorrow between XXXX for an old payday loan. He said that I had 10 days to pay or I would be " SERVED '' and court cost plus garnishment would all add more to the bill. He scared me so I gave him my info and split the payment in half, for {$580.00} each. 

I started to have doubts once I calmed down which was a couple of days, then I called the attornery general in Ohio and also my bank, Both had said they get hundered of calls like that and more than likely its a scam. So I stopped payment on the payments and luckily my bank refunded XXXX payment that was processed and the other payment did not go through.. 

I googled the company and there were alot of people who commented on how they got the exact same speal. 

The name of the company is different though, the name he gave me was XXXX XXXX AT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The name of the company may be different but the address is identical. I am confident that this is the same company. 

I just googled that address and its a XXXX. 

He called me today and wanted to know why i stopped payment, of course this was on my voice mail and i was at work, but XXXX minutes later, my son texted me that XXXX called him and told him to have me call about a legal matter. 

I called the XXXX for New York and they told me that this company has an F rating and that is is illegal for a company to collect on a payday loan. 

I hope that you can help me get him to leave me alone. 

Thanks for your help, I really appericate it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-12-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: TX

Complaint narrative:
I received a loan from Spotloan for {$400.00} on XXXX XXXX, 2015. During the application process it did not mention that the payments it pulled every paycheck would be interest only. My payments have come out on payday without issue since that time for {$66.00} every two weeks, XXXX payments in total since the loan was issued, totalling {$600.00}. I did n't have a payment pulled on Friday when I was paid and thought finally I had paid the loan and it 's outrageous interest back in full. 5 days later on Tuesday XX/XX/XXXX I received a NSF fee from my bank and asked what it was for so that I could ensure I paid whoever it was that was n't paid, they replied that it 's Spotloan. Later that day, today, I received an angry email from an employee at Spotloan stating " you promised to pay us back, why are n't you paying us back ''. When I logged into my account with Spotloan for the first time to check the balance and see if I could just pay the remaining balance off and be done with these crooks I saw the remaining balance is {$390.00}, they 've only applied {$6.00} of the {$600.00} I 've paid them to the principal. I can not imagine this is legal or allowed, my understanding is some of the payments were required to go to principal, and I would n't think that a fraction of a percent of each payment would be adequate to meet that requirement. I 've paid this loan back plus 50 % interest over the last 4 months, and apparently I have made no progress toward the balance, this is robbery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: COMMERCE BANK
State: IL

Complaint narrative:
This was discharged in BK in XX/XX/XXXX. However, as of XXXX XXXX they are reporting late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: WA

Complaint narrative:
A collection agency, which I have never heard of or from, has reported negative information to the major credit reporting agencies and has lowered my credit score. 
How can a business do that without contacting the person they claim are owing the debt? 
The debt is from a payday loan company that I have never heard of so I am curious how I can be in collections for something I know nothing about. 
Imagine the surprise when I found this unpaid debt on my credit report just out of the blue. 
CFPB is asking for me to attach any supporting documents. How can I do that when I have n't heard from either party. haha

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
They are calling my employer often, and asking for my " where Abouts '' They claim they are going to have me arrested, or sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I have a mortgage with PennyMac Loan Services LLC. My payment was originally {$750.00} for a {$100000.00} 30 year fixed rate loan at a interest rate of 4.5 %. After my first year at the house I received an annual escrow account letter stating that they had calculated wrong and were putting more in my escrow account than was necessary. They gave me a refund of {$1000.00} and told me my new monthly payment would be {$650.00}. I continued to pay my loan, on-time, for the next year. Since buying my home I have never been late for a payment and always rounded up and paid more than the minimum monthly amount. I always fax the company my tax bill when I receive it to ensure they have the information they need as well as my homeowner 's insurance. I received the tax bill this year and did just that. A few months after faxing the tax bill I get a delinquent notice saying my taxes have not been paid and I owed a late fee. So I called Penny Mac and they informed me it was their error and they did n't pay it. They said they would pay the bill and the late fee and the late fee would not go towards my bill as it was their fault. Later on this year I received another annual escrow account letter from PennyMac. They informed me that there was not enough in my escrow account, that I owed them {$4000.00} and a new payment of {$800.00} a month OR they could disperse the {$4000.00} payment and I could pay {$1100.00} a month. I was shocked and called the company assuming another error had occurred. They told me that somehow they forgot to put enough in my escrow account for taxes so they paid the bill and that 's why I owed them {$4000.00} plus my payment was going up. I told them this was unacceptable, that I could not pay a {$4000.00} out of pocket and that upping my payment from {$650.00} to {$1100.00} because of their error was unacceptable. The best they could do after being completely insistent was to spread the {$4000.00} out over 24 months and my monthly payment would be {$880.00}. They then told me I should call them when I receive a tax bill, not fax it, and wait on the line for a person and confirm with them that they have the tax bill. I can not believe this company and its errors. This dramatic difference in payment could be the difference for someone being able to afford to stay in their home or not, it could affect their decision to have a child or not, to take on a roommate or not, or take a trip, go back to school, etc. This company is so error-ridden and expects you to just handle whatever bill they recalculate after their errors. I am incredibly disturbed that they handle my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: BlueChip Financial
State: MT

Complaint narrative:
XXXX OF XXXX REPRESENTING A PAYDAY LOAN COMPANY SPOTLOAN STATED I WOULD BE ARRESTED FOR FRAUD IF I DID NOT MAKE SOME KIND OF PAYMENT. I CLOSED THAT ACCOUNT THAT THE ACH WAS COMING OUT OF DUE TO RELOCATION FOR PERSONAL REASONS. AND I WAS NEVER CONTACTED MY A DEBT COLLECTION COMPANY OR THE COMPANY ITSELF.

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 2015-07-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: MA

Complaint narrative:
This was a charged off loan by ACS. After XXXX plus years of payments no monthly bills were sent to the correct address and no phone calls by them occurred asking for payments. They had cell phone numbers for my son as the recipient of the loan and my self as the cosigner. 
We were never contacted received no default notice. The only reason we are aware of the charge off is because of a credit report that was pulled in the last two weeks. I am more than willing to pay what is due but in the same token I have been personally damaged by erroneous filling by ACS to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: BlueChip Financial
State: KS

Complaint narrative:
Threatened to send police to get me. Refused to mail me documents stating what debts I owed. Wo n't stop calling me or my family. 
( XXXX ) XXXX

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 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
PennyMac Loan Services LLC incorrectly calculated my mortgage payment last year to not include property tax. When they recalculated for this year they realized their error and added on my property tax bill from last year and the one for this year, causing my payment to almost double. I called them and they agreed I was diligent about sending them my tax bill as soon as I received it and paying my bill on time. The best they could do was disperse the old tax bill across payments but this still has caused my mortgage payment to increase almost {$300.00} more a month than last year 's monthly payments. They sent me a letter saying they would look into making this payment smaller yet but that they needed to talk to me in person and told me to call a woman name XXXX XXXX, Priority Complaint Specialist. I have called and left a message on this woman 's machine 4 times. I have never been able to get a hold of her. She has only attempted to call me one time at the beginning of XXXX and it was during my work day. I have since called her back, during work hours, 4 more times and left messages with my name, loan number, complaint number, and telephone. She has yet to return any of these. This has been left unresolved for so long that I 've had to make the almost {$300.00} more a month higher payment which has obviously been a tremendous burden on my budget. This company has messed up my loan, literally the biggest investment in my life, that I have very little confidence in their ability to remedy this problem and in their ability to not create another issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
This company has put a derogatory mark on my credit report. I have no knowledge of this supposed debt nor have I ever had any dealings with this supposed XXXX. This company never sent me the required debt validation letter or contacted me EVER. Now I have to put a fraud alert on my credit report because of this company. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. NOR HAVE I EVER HAD ANY DEALINGS WITH THIS SUPPOSED XXXX. This company is damaging my credit with this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
continue to raise my monthly payments without properly informing me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I filed bankruptcy 5 years ago and it was discharged XX/XX/2016. Since this time have been trying to get the bankruptcy flag removed from my account. I cant contact them to get any information concerning my account. When I try to contact them th call goes to a third party company. I keep paying my mortgage and the balance never change. I have gotten several notices that I was entitle to a escrow refund but it never comes. I received a refund on my property tax because of my age XXXX. Havent heard anything from Ditech.. I tried emailing them and all I get is a form letter about they will have more infoe and nothing has happened for 9 months.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GULF COAST COLLECTION BUREAU, INC.
State: LA

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
A company called Midwest Recovery Services made a negative report on my credit report. They did so on behalf of a company called XXXX XXXX XXXX XXXX. I have never received anything in writing about a debt owed to The XXXX XXXX XXXX. I never had a payday loan from this company. The Midwest Recovery Services never contacted me about a collection on a debt owed to anyone. I have tried to get something in writing, but have yet to receive anything. There is no debt and I believe that They are attempting to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I am receiving harassing and threatening telephone calls and death threats from representatives from American Accounts Advisors , Inc., in regards to the XXXX accounts that do n't belong to me and is the result of identity theft. The dates the accounts was opened is XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15.

Company response to consumer: Closed
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
In XXXX XXXX I completed a VA compromise sale on a property that I owed {$130000.00} on. The mortgage lender, PennyMac, received proceeds in the amount of {$61000.00} on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the VA wired funds in the amount of {$34000.00} to Penny Mac on my behalf per the VA guarantee on my loan. XX/XX/XXXX, I received a XXXX from Penny Mac in the amount of {$72000.00}. After contacting PennyMac on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I was told on XXXX/XXXX/XXXX that PennyMac would not count the VA funds paid on my behalf in credit to the amount of debt they forgave. They state that I owed them {$72000.00} so that is what is reflected on the XXXX. Despite the VA paying funds on my behalf, they are unwilling to revise my XXXX. The amount of the XXXX will be counted as income when I file my taxes and I feel that the XXXX should reflect the amount of debt actually forgiven by PennyMac. They received an additional amount of money on my behalf that I will have to now pay taxes on and my VA benefit eligibility is suspended until I can pay that money back to the VA. The XXXX does not reflect the true loss to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Hello Sir /Madam ( To whom it may concern ) I opened a checking account and a safe deposit box in Valley National Bank in around XX/XX/XXXX-XX/XX/XXXX which was closed XX/XX/XXXX-XX/XX/XXXX, And when I went to bank asking for the copy of the log book of access to safe deposit box, sales associate XXXX XXXX ( XXXX XXXXXXXXXXXX ) said they can not get it as its an old and closed account, as I know bank has to maintain the record for at least 5 years by law, and I need this information to provide it to court for some family dispute and its very important, is there any way CFPB can help me getting information for me. Thank you XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation