vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-25 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
On Saturday, XXXX XXXX, 2015 at exactly XXXX Pacific time I was trying to withdraw funds from my rushcard account using an XXXX XXXX XXXX XXXX XXXX ATM. When the money was supposed to be dispensed from the dispenser the dispenser malfunctioned and none of my funds were dispersed. I contacted the help desk for the ATM machine itself and was told by them to file a dispute with Rushcard and they would gladly return my funds to my card. I proceeded to contact Rush card member services and never got through to anyone after having made more than XXXX attempts. I finally got a hold of someone on Wednesday who told me they would escalate my issue and get back to me. The next day I called again and was told by a supervisor that they did not show that my issue had been escalated and would be escalating now. I called the next day and spoke with another supervisor who said they needed to get me over to the disputes department and I filed a dispute on this issue and was told to expect an email within 1 to 3 hours with the dispute form attached and to fill it out, sign it, and fax it in with the receipt from the ATM. After allowing a whole day to go by, I still have yet to see an email with the dispute form. I did the exact same thing the next day and was told the exact same thing and got exactly the same results as the day before. I still have yet to get help with getting my funds returned to me and I am fed up with this company and their lack of effectiveness. I mean we 're talking about almost {$500.00} I 'm out of because of their lack of help with my issue and all they had to do was dispute this issue from the start.

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: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: NV

Complaint narrative:
Hello, there 's a huge issue with rushcard. Since XXXX Monday most customers including myself have n't been able to access their money. direct deposit are not posting, accounts are locked or blocked, accounts are deactivated ( including mine ). Ca n't withdrawal, transfer or make purchases. Rushcard had a maintenance update lasting until XXXX pst ( yesterday ) .The customer service phone number is providing inaccurate balances, saying the account # is wrong and now my account is deactivated When you select the prompt to speak with an agent the phone rings twice and hangs up. There is no alert or update when you call. payments are bouncing left and right for everyone. I ca n't take my daughter to daycare because all my money is tied up in the Rushcard. I ca n't go 2 work either. I 'm low on gas and food. There is no news or updates about this issue no ETA. We 're all being left in the dark. My direct deposit is suppose to hit tomorrow but from XXXX other customers, it sounds like that may not post. I do n't have the luxury to have extra money in hand. My fiance and i are living paycheck to paycheck and rushcard is making it very hard right now. Rushcard is n't going to help me if I lose my job for missing to many days of work..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: SC

Complaint narrative:
RUSHCARD ALLEGEDLY HAS A GLICH AND WE HAVE BEEN WITHOUT OUR MONEY FOR A WEEK, MY DIRECT DEPOSIT FROM WORK WAS FRIDAY, TODAY IS MONDAY AND STILL CAN NOT ACCESS MY MONEY TO PAY MY BILLS, GET GAS, FOOD OR ANYTHING, I AM ACCRUING LATE FEES FROM HAVING LATE PAYMENTS AND HAD TO BORROW OVER XXXX TO COVER MY MORTGAGE BECAUSE IT WAS LATE, THIS IS MORE THAN A HARDSHIP, ITS EMOTIONAL, WE NEED OUR MONEY NOW, CUSTOMER SERVICE IS NO HELP IF YOU CAN GET THEM, THEY HANG UP AND HAVE NO ANSWERS, THEY DONR EMAIL YOU BACK AND YOU CAN BARELY GET THROUGH ON A LINE, NO ANSWER OR IT RINGS AND DISCONNECTS, ALL NUMBERS DONT WORK, WHATS GOING ON, MY ELECTRIC BOILL IS DUE IN TWO DAYS. SO FRUSTRATED, THIS IS REALLY AFFECTING ME. I NEED TO PAY MY BILLS, WHERE IS OUR MONEY, MY PAYDAY WAS 3 DAYS AGO.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: AR

Complaint narrative:
On Friday XXXX XXXX, 2015 a direct deposit from my payroll was added to my XXXX account. I was told that on the XXXX there would be a system update which would not affect any deposits or withdrawals. That was soon to found as a non-truth. I have not been able to either speak with anyone at the company. I have not been able to make a withdrawal nor have I been able to pay any bills. I have called and emailed this company ; however, they are not responding to either point of contact. This has been going on for days now and my bills are due to be shut off, I am out of gas in my car and I am not able to feed my XXXX children. I only have XXXX income in my home which is mines. I do n't have any help from anyone, so I need my money ... They do n't seem to understand how important it is nor how real the struggle is of being a single parent ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I was refinancing my house. I had a loan through Penny Mac. My new mortgage company XXXX XXXX XXXX and title insurance Company XXXX XXXX XXXX reached out to Penny Mac to get the pay off amount for the loan. A few days after this number was discussed, Penny Mac sent a check to FEMA on my behalf. This changed pay off numbers. The refinance happened and around XXXX XXXX, Penny Mac reached out to XXXX XXXX about the discrepancy. On XX/XX/XXXX, I reached out to XXXX XXXX because I had received a notice from Penny Mac that my mortgage was late. I have since received a check from FEMA that my account was paid in error. I am trying to resolve this issue, but have been given XXXX different amounts from Penny Mac as to what I owe. I am completely confused as to how a company can have so many different numbers as a balance on my account. I am willing to pay the amount that they paid extra to my escrow to FEMA but I do not feel liable for the interested and added fees that are added on to this account. I keep being told that someone will return my call but each time it is at least 2 days not the 1 promised. 
I am a XXXX military member and I have a title insurance company helping me out. I can not imagine the stress this would put on someone else in my situation. I have XXXX XXXX and the stress of this is causing me physical pain. I would love this issues addressed quickly and with no further confusion. I would also love for someone to look into the constantly changing numbers on my bill. It was {$1000.00}, {$1300.00} ( I scratched this one out in my notes so it might be off ), and {$1700.00} all in a 20 minute phone cal on XX/XX/XXXX. The first letter I have says {$1600.00} and the second one {$820.00}. The phone call on XX/XX/XXXX said {$1500.00} and the final call today stated {$1500.00}. This last amount was also included in an email and an hour later they decided they could be gracious and knock {$100.00} off since I was concerned. 
I know you are n't supposed to mention feelings in a business letter, but I feel like this is one big joke. Penny Mac paid FEMA despite not having to. Penny Mac waited over a week to address the issue with XXXX XXXX who sent the money. Penny Mac waited 2 weeks to reach out to me. How is this my almost {$2000.00} mistake? Penny Mac is a big corporation and it would say much more about their character if they could XXXX lose on a mistake they made. It makes me curious how many thousands of dollars in their income is due to problems they caused but would not own up to. I work hard for my money both my military pension and what I get from working in XXXX and I do n't have {$1700.00} to hand over due to a clerical error on the part of a huge corporation!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: AK

Complaint narrative:
I am a XXXX who has Perkins loans through ACS ( Account Campus Products and Services ). I have been eligible for and received a 20 % XXXX Cancellation of my Perkins Loans for the past two years. Most recently, I submitted my paperwork to receive 20 % Cancellation of my loan for the XX/XX/XXXX-XX/XX/XXXX school year. On XX/XX/XXXX, I received a letter saying that the dates of hire on my paperwork did not match ; therefore, my request could not be processed. After multiple attempts trying to contact the person whose name appeared on the letter ( XXXX, Customer Care Senior Assistant ) plus their main contact number ( XXXX ), For months now, I have been unable to contact them regarding this issue. I have called in the morning, afternoon, and late afternoon. I have called on different days of the week. Each and every time, I am put on hold for 30+ minutes and have never once successfully connected to a customer service representative. In addition, I am unable to access their website at www.acs-education.com. I always get a message saying that the page is not working or the server did not respond. As a result, I have absolutely no way to get in touch with anyone about repayment of my Perkins loan. 
At this point, due to this delay, I now have a bill coming due XX/XX/XXXX. Rather than delay further, I have decided to simply resubmit the paperwork. On their paperwork, it asks for a XXXX-digit account number. I have XXXX different account numbers from ACS : one that is XXXX digits, one that is XXXX digits, and another that is XXXX digits. I would like to clarify and determine which one to use. Yet again, their website is not working where I live in XXXX, and now when I call, I am receiving a message saying that " Due to circumstances beyond our control, we are unable to take your call. '' I have tried various other phone numbers and no one seems able to put me in contact with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: IL

Complaint narrative:
I have a consolidated FFEL Loan through XXXX XXXX XXXX, XXXX, doing business as ACS Education Services ( " ACS '' ). ( Lender - XXXX XXXX XXXX ). The original loan in XXXX XXXX was for {$23000.00}. I have defaulted 3 times and enrolled in their " Rehabilitation Program '' every time to bring my loan back into good standing. I have never went into forbearance but it is listed that I did in XXXX/XXXX/XXXX. It is now XXXX and my current outstanding loan is listed at {$35000.00}. I understand that XXXX XXXX XXXX is under Federal Investigation for Loan Servicing Practices and it appears that I may be one the borrowers that have been affected. I wish I could afford an Attorney, but at this time is not feasible. Looking for any help and guidance possible. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: MD

Complaint narrative:
Midwest Recovery Systems reported a collection debt to my XXXX and XXXX credit file in XX/XX/XXXX for {$790.00}. I never received a 30 day disclosure of any collection activity. When I called them on XX/XX/XXXX after finding out this debt was placed on my credit file by XXXX XXXX, I could not reach a person and only heard advertisements for switching phone service, etc. 
It appears that the debt was sold from another collection agency (? ) to Midwest Recovery Systems. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file with XXXX and XXXX. This caused my credit score to drop at least XXXX points and possibly up to XXXX points. I intend to seek full restitution and damages if this is not removed from my credit file immediately. I 'm almost positive the debt was originally incurred in XX/XX/XXXX/XX/XX/XXXX, which would make the debt 8-9 years old now which is well past the statute of limitations. This is an illegal practice of debt selling and manipulation that violates the FCRA. Furthermore it can not be reported beyond 7 years. If a collection company can report to a credit bureau then they can sure pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file so my family can buy first house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: LAND HOME FINANCIAL SERVICES
State: IL

Complaint narrative:
The servicing of my second mortgage was sold to Land Home Financial Services XXXX XXXX as of XXXX XXXX, XXXX. It was under temporary modification and as of XXXX is now under permanent modification. Land Home Financial Services sent me a statement in XXXX XXXX indicating they have not received the payments I sent to XXXX Fund in XXXX and XXXX. They show my XXXX payment as a partial payment and show my monthly amount due as the amount before the loan modification. The XXXX payment is not reflected at all. I made the XXXX payment over the phone directly with XXXX XXXX and they do not show this payment at all. I mailed the XXXX payment ( due XXXX/XXXX/XXXX ) on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX, they still have not cashed this check. I sent it to the address on my Hello letter under RESPA and they do not know where my check is. Land Home 's XXXX XXXX XXXX XXXX XXXX told me over the phone that Land Home 's computer systems can not handle temporary modifications. I know that modifications and the sale of loans and servicing are a regulatory focus to protect consumers and honor loan modifications. Finally, I have asked for a current principal balance of my loan and Land Home has not provided me this. Given my on time payments under the loan modification, all accrued interest and late fees are forgiven 25 % each of the first four years. That is why I want to ensure that my payments are being applied correctly. 
My contact at XXXX XXXX XXXX is XXXX XXXX, XXXX. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I paid this debt in 2013. I have repeatedly told this company i do not owe them money but they continue to send me harrassment letters and threatening me with jail time and check fraud. I did none of theses! Here are my payments made XXXX/XXXX/2013, {$200.00}, Confirmation # XXXX XXXX/XXXX/2013, {$200.00}, Confirmation # XXXX XXXX/XXXX/2013, {$180.00}, Confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services
State: CA

Complaint narrative:
My problems with ACS go beyond the fact that they are almost impossible to get a hold of and that their email function on the website is a scam - you email them and they send an automatic reply saying they 'll get back to you within 48 hours but that never happens! Other issues : So I got a loan of {$4000.00} from my graduate school and my school has a forgiveness program where ever year that you work in your field, a percentage of the loan is forgiven. Well I got most of the loan forgiven seeing as I 'm a XXXX XXXX and this job title falls under the forgiven positions. Unfortunately ACS declined my last year because I switched jobs and my title is no longer XXXX although I perform the duties of a XXXX and XXXX ( which also qualifies for forgiveness ) and probably more. So the reps ( who are usually nice but have no control over anything ) told me to simply word the letter differently which I did but am still waiting for it to " process ''. It 's literally been processing for several months and I call once a week and am on hold for about 20 minutes each time and get the same answer, " It 's processing ''. Even though on the website it shows my loan is " Past due '', the reps tell me not to worry and that that will disappear once it 's processed although the first time it was declined, this past due status did not disappear. I also was told that they reported to the credit bureau that I was not delinquent because the loan was " processing '', yet I have no proof of this happening. So I called my school and the person who answered told me they had updated my file about a week ago saying " Fax not received '' even though the rep had confirmed that the fax was received already and was " processing ''. Scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: FL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. IT DOES HOWEVER INVOLVE THE SAME COMPANY AS BEFORE. THIS IS ANOTHER ISSUE ALL TOGETHER. 
We purchased a vehicle from Drive Time on XXXX/XXXX/XXXX and the vehicle was financed for XXXX for XXXX payments and XXXX for XXXX payment due on XXXX/XXXX/XXXX off on XXXX/XXXX/XXXX. The loan and finances charges included GAP and GPS. I requested a refund of the GAP coverage and I was told we will not be receiving the refund. I do n't understand, since we paid off the loan early.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 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: TN

Complaint narrative:
I received this letter from National Credit Adjusters informing that I owe them a debt. To my knowledge I have never entered into a contract agreement with them or the company they claim they represent. This company is violating XXXX statues of the FDCPA. statue 807 ( 9 ), ( 10 ) misrepresenting affiliation and deception and 812 ( 1962j ) furnishing deceptive forms. Within National Credit 's claim they state, '' NCA is not collecting for XXXX XXXX. '' and them also within the letter this debt collector states that they have been contracted by XXXX XXXX to collect the about referenced account. This statement is a violation of the FDCPA and the above statues mentioned as it was intended to confuse me but upon further research I have determined that both XXXX XXXX and NCA both occupy the same office. I do not owe either of these companies anything. I have never signed a contract with either of them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: PA

Complaint narrative:
I have been in XXXX for two years, and entering my third. ACS has continually, through the three years, continued to withdraw a monthly amount, and claims they have no record of my enrolling in school ( no other lender has this issue ). Furthermore, I can not get a person on the line now, because every time I try to call, the system gravely informs me that my account and social security number are incorrect, and to 'call back when I have that number. ' Again, I am entering correct information. ( Although the website says it does n't display the full account number, with is supposed to be found under a non-existent general info tab ). This is beyond frustrating, and ACS should be held accountable in some way. Please help me contact them and get this issue ( that should not be an issue ) resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC
State: NM

Complaint narrative:
XXXX with National Credit Adjusters has called my work harrassing my employer and asking improper questions about me. I am a XXXX and absolutely can not get ANY personal calls at work. We do not have a designated work phone. I have never given NCA permission to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: American Accounts & Advisers, Inc.
State: OR

Complaint narrative:
I have received notice via XXXX a collection agency American Accounts Advisors of XXXX XXXX, MN. Yet I 've received no bills or notices of claim. I do n't know what the bill is nor has anyone attempted to contact me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: NE

Complaint narrative:
I went to check my credit score on XXXX XXXX ( as I do several times a month ), and I noticed a significant dip in my credit score from one of the reporting agencies ( nearly XXXX points ). After digging through my reported items, I noticed my score dropped because of a newly reported collection account from Midwest Recovery Systems. The account stated that I owed {$690.00} and that the account was opened XXXX XXXX 2016. The collection account was reported to the credit reporting agencies on XXXX XXXX, 2016. I never received a written statement saying a debt was owed, and I have n't received any phone calls from this collection agency. Also, I have no record of any debt owed to the company listed as the original creditor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: The Leviton Law Firm, Ltd.
State: IL

Complaint narrative:
I was approached via phone and email by a collection agency posing as a law firm in the collection of a debt from my business. They offered little detail about the identity of the debtor and used words that indicated they were representing a law firm. 

In an email they sent to my personal email address, the subject matter was " XXXX CASE # XXXX '' The collection firm represents themselves as The Leviton Law Firm and is using a false representation by implying they are communicating with me as an attorney. Their tactics are aggressive and not consistent with the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation