vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Chrysalis Holdings LLC
State: CA

Complaint narrative:
A man from New Day Financial named XXXX XXXX called me directly in XXXX. He told me that they have a program for XXXX veterans. He told me they have 2.25 % interest rates on VA loans and they can get me that rate on my loan. I asked what it would cost me and he said it would n't cost me anything at all. I had been in my house for 21 years paying my mortgage and I thought I was almost done paying my mortgage. He did n't tell me anything about refinancing my loan, he just told me my interest rate would lower. I would n't have wanted to refinance because I did n't want to have to pay for another 30 years since I thought I was almost done paying my mortgage. If he had told me it was a refinance, I would not have wanted it. I trusted him because he told me that he stands for veterans and is there to help veterans. He sent me papers to sign and told me I had to sign them very quickly because the interest rate could change any minute. He sent a notary to my house with yellow highlights where I had to sign. The notary told me that he was in a hurry so he rushed me to sign then took the papers with him. He was only at my house for XXXX or 15 minutes and told me he would notarize my and my wife 's signatures later. Then he told me I would get the documents back later. I got a stack of documents but they did n't have my signatures. 

After that I had to pay New Day a higher mortgage payment for 12 months. XXXX XXXX told me that 's how New Day keeps helping veterans by taking payments for 12 months on the loans they make. I made the payments to New Day but I still did n't know I had refinanced. After 12 months they turned my loan over to another servicer XXXX. Now I 've learned that New Day was refinancing my loan, and refinanced it twice in XXXX and XXXX without explaining to me what was happening. 

Now my loan balance is much higher than I thought it was and higher than I thought it should be, and now my mortgage goes all the way until XXXX even though I 've been paying for 25 years. I feel like XXXX XXXX and New Day misled me and got me into a situation that I did n't want. He told me it would n't cost me anything, but it has cost me a lot. And my interest rate is 4 %, not 2.25 % like XXXX XXXX said. 

I have tried contacting XXXX XXXX since XXXX but I have never been able to talk to him again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Dynamic Recovery Solutions, LLC
State: NJ

Complaint narrative:
I am a XXXX worker, employed through a staffing agency. My supervisor at the client company received a debt collection call. She said she 's received several calls before and gave me the telephone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: BlueChip Financial
State: IN

Complaint narrative:
I am receiving suspicious calls from a company saying that I owe money from a payday loan. They are constantly calling leaving threatening voicemail messages. They say that they are going to serve me papers to sue me for check fraud. I asked them to send me written verification by mail. They refused. They wo n't give me any legitimate information. No full company name, no mailing address. The phone calls coming in are from numerous numbers.

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 2016-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC
State: MA

Complaint narrative:
Attached is a copy of the payment webpage of my mortgage that is serviced by CMC Funding. The mortgage payment is due on the first of each month and I have a grace period of 16 days to make my payment without incurring any additional charges for making payment anytime during the grace period. The servicer, however, is charging a fee for making payment during the grace period. According to the schedule of fees on the attachment, the servicer charges {$5.00} if payment is made 5-9 days after the due date, {$10.00} if payment is made 10-15 days after the due date, and {$10.00} if payment is made 16 days or more after the due date. These charges starting 5 days after the due date essentially add up to a fee for making payment during the grace period. Is this a legal practice and in compliance with CFPB rules associated with loan servicing? I did not choose this servicer. My loan was sold to CMC Funding. It appears that this practice of charging mortgagors for making payments anytime within the first 16 days would violate the grace period stipulated in the loan documents. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY

Complaint narrative:
My payment went from XXXX $ to XXXX $ in one month. They claimed it was an escrow analysis and said my insurance rate doubled. So I asked what would bring my payment back down. They said if I could change insurance. I changed from XXXX to XXXX insurance. My old insurance was around XXXX $ while my new insurance is XXXX . I had been told this would bring my monthly payment down. I just filed for a new escrow analysis and my monthly payment is now XXXX . I asked why and they keep saying my escrow is in a negative. My escrow was ( XXXX $ something ) before I switched insurance. It is now XXXX $ I do not understand how my mortgage can INCREASE after I paid off some of the escrow. I also have some phone recordings with my stating and them verifying this should lower my payment.. 

I have included XXXX phone recordings that show the entire intention of me doing this was to lower my monthly payment. I make mention a few times about how my account increased and I want it to decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
Currently I am a New Jersey home owner facing difficulty involving my mortgage company in obtaining a loan modification. This all started in 2011 when the present mortgage company purchased my loan. After continuous failure to achieve this goal and contacting various credit counseling agencies for assistance they continuously keep dragging their feet and finding loop holes. The latest issue is having their appraisal company perform an appraisal on my property, whose composites where more than half a mile or better away and valued at less than half of another reputable realty company with composites in my immediate area.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: AK

Complaint narrative:
Got notice that there was new claims on my credit report so I looked and there 's one from Midwest recovery and they reported it twice and it on there twice so it shows I owe {$880.00} dollars twice for the same dept and my credit score took a huge hit from XXXX to XXXX and no information on dept or any notice at all and another from XXXX for XXXX and that 's paid as of 9 months ago and still remains in my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC
State: NJ

Complaint narrative:
XXXX from XXXX called my place of employment and asked for my job title, my supervisors name and asked to talk to my supervisor. He asked the receptionist to give me a place to reach me and asked her to send a text to me saying that I needed to call him right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Keeps calling repeatedly asking personal questions that is none of their business. Ex. After stating the time they are calling is not a good time due to me being at work they continue to ask " why did you answer if you are at work? Are you on break or something? Why did you answer if you could not talk? '' and being very rude. Had to ask several times who and what they were calling about as they were trying not to answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I recently pulled my credit report and noticed a collection from Midwest recovery systems. I have never been notified by this company about an outstanding debt, they just placed a collection on my report. The original creditor shows as rockford and after research I see its for a payday loan in 2011. I have never had a payday loan. I sent in a request for validation and Midwest never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services
State: PA

Complaint narrative:
I have XXXX loans serviced by ACS Education Services -- a Perkins loan and an institutional loan. I am enrolled in the automatic ACH auto-debit program, a program which, as I understand it, is designed to assist in and ensure the timely collection of monthly payments. ACS has informed me that because I am enrolled in the ACH program, it is unable to generate monthly billing statements for my account -- either to be mailed directly to my billing address or posted on my secure online account -- prior to automatically deducting funds from my account. Such a policy prevents me from maintaining accurate and complete records and otherwise makes it difficult for me to manage my account and get timely information about my loan repayment. If ACS intends to automatically collect money from me each and every month, then at minimum, it should be required to provide me with a monthly billing statement without requiring me to un-enroll from the ACH program ( a program which is mutually beneficial to both the borrower and the loan servicer ). I further note that my other federal loans servicers besides ACS, namely XXXX and XXXX XXXX, are able to provide me with a monthly billing statement ( on their secure online portals ) without requiring me to un-enroll from their automatic debit programs. I am perplexed why ACS is thus unable to do so when other loan servicers do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
As of my knowledge, collector attempting to illegally collect the debt which I do not owe. 
Letter requesting validation of the debt will be send via certified and first class mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services
State: KS

Complaint narrative:
Student loan repayment initiated approximately 20 years ago, went into default, payments began XXXX 2010 with beginning balance of {$11000.00}. Since then $ {$4400.00} has gone toward interest, {$2600.00} towards principal with an outstanding balance of {$9400.00} on an 8.25 % fixed loan with monthly payments in the amount of {$120.00}. Loan is through ACS Borrower. We have reached out to ACS with no success in understanding their calculations. School was XXXX XXXX XXXX, XXXX XXXX TX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 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:
To CFPB, My name is XXXX XXXX and I am following up on a complaint I requested about Midwest Recovery Systems ( MRS ), using fraud to put a collections account on my credit history. They do n't follow the FCRA law and the correct steps and procedures in the FCRA. They are saying this is from a pay day loan from XXXX in 2012. I have never applied or taken a payday loan in my life. I have also never been contacted by anyone regarding this account ever. I do not believe XXXX is even in business anymore. I want this immediately deleted off my credit report with all the XXXX major Credit Bureaus : It never should have been reported in the first place before having the chance to dispute it within the 30 legal days. I want proof of debt by providing the following : a ) proof of I.D provided at the time of account opening. b ) copy of signed contract ( not a signed application but signed contract ) c ) itemized statements of account activity.d ) itemized breakdown of how you came up with the balance owed. If this company should not resolve this in a timely manner, 30 days, I will pursue legal action as I take my credit very seriously. Only after immediate delete of the XXXX credit bureau and proof of valid debit I may be willing to discuss a resolution on this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
I been a customer of rush card since 2009 I never had a problem until now I XXXX XXXX to my account now XXXX weeks later my account balance is XXXX I call every other day and they take my information and say they will call me back but no call

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: PA

Complaint narrative:
On XXXX XXXX I had {$130.00} on my account ending in XXXX. I have XXXX rush cards ending in XXXX and XXXX. I was un able to access the amount on the card ending in XXXX so I initiated a transfer which did work to card XXXX in the hope that the other card would work. It did not work so I transferred the money back to card XXXX and I did this twice again between dates XXXX and XXXX. Rush sent me documentation regarding that transfer. I also attempted withdraw the money at an atm on XXXX and that did not work. A few days later I received documentation regarding the transfer and a notation that the transfers were cancelled. Rush also removed the {$130.00} from my account. That money has never been replaced, refunded or was it used by me. I sent in forms and disputes regarding the money and was told on XXXX that the decision was made that the money was non-existent and a balance error. I was also told that the money was put back into my account which is a false statement. As of this date their is no record of that money except for the email which was sent to me since Rush removed any accounting of the transactions or balance on that date as it stood on XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: CT

Complaint narrative:
I have a rushcard visa and it took two-three business days to get my direct deposit. I called the customer service and did not get any help. In the process, I was unable to pay my bills and other obligations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
This is a workmans comp the XXXX was due to a XXXX ... a result of a XXXX. XXXX # XXXX .... ( XXXX ) authorization # XXXX ... .an investigation with the FTC will step in if the matter is not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: MO

Complaint narrative:
After my complaint to ConsumerAffairs on XX/XX/2009, I have filed my complaint to SEC on XX/XX/2009 to get their attention, because what Scottrade did might cause their customer loss like me. After Scottrade rejected my request for their response in writing ( They said that they only give me when SEC inquiry to them ), I faxed my written request to Scottrade branch and ask them to forward to their compliance department for writing their response. 

I have sold some of my stocks on XX/XX/2009 and sold all rest stock on XX/XX/2009. Those fund about {$3000.00} from sold stocks on XX/XX/2009 should be available in yesterday ( XX/XX/2009, XXXX ), but today ( XX/XX/2009 ) I have found that my fund is still not available to me due to Scottrade freezing those fund. I called Scottrade branch and they said that those fund should have available but then they changed to that my fund, including those sold on XX/XX/2009, will only available to me on XX/XX/2009 ( XXXX for my XXXX stocks selling ). 

Scottrade freezes all my fund without any legitimated reason. And I plan to pull all my fund out and to file a second complaint to SEC. I believe that this event should let all investors know, therefore, I file this complaint to ConsumerAffairs again.

Company response to consumer: Closed
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SQUARETWO FINANCIAL CORPORATION
State: HI

Complaint narrative:
I spoke with XXXX people at Cach LLC. The XXXX was a man who was very threatening and said my husband would go to XXXX, etc if I did not pay back his debt that we did not know about. The XXXX was an aggressive woman who actually called me a XXXX after she threatened me. I was legitimately very scared after they threatened my husband and myself. We do not even know what this debt is for and when I asked the man he said he did n't know. Now my husband 's credit report was hit with a civil judgement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: PA

Complaint narrative:
I have n't been able to access my money for more then a week ca n't pay my bills my work paycheck goes into account rush card is not answering my calls keeps hanging up on me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: Empowerment Ventures, LLC
State: DC

Complaint narrative:
I was working with your agency on a case that you referred to the Office of the Comptroller of the Currancy ( OCC ), but you never gave me the case number for my case over there. I believe this company, RUSH card has me in a SCAM so I need to discuss it with them or with you to update you on my new developments on this same issue. What do I need to do now to provide my updated information? I do NOT want my case closed yet because of new developments! PLEASE!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: SC

Complaint narrative:
I have a account with Rush card and my direct deposit has not been given to me, and I 've called customer service and keep getting hung up on. The automated system said they can not locate my account with my social security #. I really need my paycheck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
I am a member of a RushCard company for the last 10 years and my deposit was set up to go onto my card on XXXX XXXX, 2015 it was never posted I called customer service several times with empty promises of it being on my account never happened I have my XXXX Number as well as the account number from my payroll analyst going into my account and we have also done a trace and it shows it was excepted by Rushcard they are claiming they have never received anything although they have on the same day for the last 10 years from the same company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
Yesterday, XXXX XXXX i received my direct deposit at XXXX XXXX and tried to access the funds at XXXX XXXX and could not. When i called the customer service phone number i was on hold for over an hour. The agent told me that there was a problem with the direct deposit file and that all funds were reversed and would be re-deposited in about 1-2 hours. Today, XXXX XXXX as of XXXX XXXX, i still do not have my direct deposit funds and today is the actually payday. I called customer service again and they say they are working on the issue and i would receive a text once the funds become available.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation