vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CT

Complaint narrative:
Scottrade had a database leak that effected nearly XXXX XXXX customers. Exposing their personal information online and allowing fraudsters to login to their online bank account stealing the money as well as selling the personal information to facilitate fraud. I was XXXX of the victims of Scottrade 's failed security and I am writing this complaint to express my concerns that Scottrade is not doing enough to assist customers who have been effected by the breach and Scottrade is also downplaying the amount of information that was exposed. 

Specifically, the following problems have occurred : 1. ) Scottrade ignored Whistleblowers who had been reporting to management that their databases were not property secured and that important authentication information was not robustly secured. 
2. ) The protection services provided by Scottrade are not retro-active. Thus if your account was hacked in XXXX, XXXX, or most of XXXX, you have no protection and Scottrade willfully admits that it is not providing protection for customers. 
3. ) Scottrade will not clarify to me whether my Scottrade Bank account was also affected. Furthermore, Scottrade states that my passwords were encrypted and not hashed which is a very serious security concern. 

This in combination with the fact that Scottrade stores your personal information is plain text makes me regret my decision to bank with Scottrade.

Company response to consumer: Closed
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: WA

Complaint narrative:
I keep getting calls demanding I pay {$43.00} for a book they claim I recieved from 'XXXX ' over 7 years ago. I do NOT have this book. I told them this more than once. They say I need proof I dont have the book. They call ALL the time. They are rude. I asked them to send me proof I owe this debt. They did n't. I do NOT have any books from XXXX. I think they are trying to scam me.

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 2015-07-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Auto Finance is reporting a repossession on my credit report that is inaccurate, false, and a violation of the Fair Credit Reporting Act. I have sent multiple disputes in to dispute the entire account to insure proper information is being reported. I have a feeling that some of the information is being listed incorrectly. 

1. The balance of {$8800.00} is not accurate. 
2. The date of last status XXXX is not accurate. 
3. The charge off amount of {$10000.00} is not accurate. 
4. The account history of is not accurate. They are reporting - Repossession as of XXXX XXXX ; Charge Off as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX ; 90 days past due as of XXXX XXXX ; 60 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX ; 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXTherefore, this information is not accurate and until they can prove it, then it is also a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade : I am writing on behalf of my son, who was a former customer of Scottrade financial products. My son has been a victim of corporate green at Scottrade when his account got hacked and Scottrade refused to refund any of the stolen money. 

Today I am writing to express my concerns over Scottrade 's response to my son 's complaints. Recently, my son discovered that XXXX XXXX XXXX, a branch manager at Scottrade exposed my son 's personal information by accepting insecure emails. Roughly 10 days after the insecure email, my son 's account was hacked. 

My son has been trying to resolve this with Scottrade but Scottrade has resorted to harassment and will not respond to his complaints. My son asks simple questions and Scottrade responds in a manner that is dehumanizing.

Company response to consumer: Closed
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: RI

Complaint narrative:
Apparently on XXXX XXXX Rushcard upgraded to a new software system. Since that time my card no longer works. My deposit that was sent last week still has not been posted to the card. You ca n't reach customer service you wait on hold for over XXXX hours and then they hang up on you. My balance keeps going down even though I have been unable to use card and my {$400.00} direct deposit still has not been posted. I 've called, emailed tried XXXX everything you can think of and no response. The one time that I did get through I was told they were working on the problem and they had no further answers. I asked to speak to a supervisor they put me on hold for another XXXX hours then hung up on me. I just want my money along with everyone else that I am sure you have heard from!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
Regarding the Rush Card. I 've called several of the customer service and corporate numbers since Tuesday. I 've been told several different stories. I 'm a single mom and my only source of income is deposited on this rush card. I lost my card back on XXXX XXXX. I called and reported it had been used. I made a dispute that same day and I have heard nothing of that dispute. I received a new card in XXXX XXXX and tried to activate it and that 's when my problems began. I received several texts about my balance. It went up and down. Now it 's at XXXX and my new card is being declined and not recognized in your system. I 'm very frustrated as I could possibly be facing eviction as I told my rental office I would pay my rent when I got my new card since I 'm not able to go into the bank to withdraw the funds. This is very frustrating as I 'm not dealing with a private landlord who may understand. I 'm dealing with a business just like yours who does n't want any excuses and just wants there money. I 've borrowed all that I can afford to pay back. Please help me resolve my card issues so that I can get my life back on track. Any assistance you can provide is greatly appreciated. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: IL

Complaint narrative:
RushCard was to perform maintenance on Monday from XXXX to XXXX Today is Wednesday and I still can not access my account. When you try and reach customer service the line rings and rings. My direct deposit was supposed to post and I have not received my funds. This seems to be affecting XXXX people and there is no correct communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: SC

Complaint narrative:
On XXXX XXXX made ach tranfer of {$10000.00} +from a XXXX XXXX savings account to Scottrade bank account. Transfer was done immediately but Scottrade put a 4 business day hold on the funds. Most banks only have a hold for XXXX 2 days. A 4 day hold on funds is allowed by the Fed Reserve but is very unfair to customers who have been with a bank for several years. They get to use that money but customer does not have any access during that time. No one at the bank would even consider reducing the hold time so that I could have access sooner. That to me is not a very good business practice for any one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-03-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: TX

Complaint narrative:
Yesterday, DriveTime called every 2 hours starting at XXXX I placed a complaint. Today they started a XXXX and then again XXXX. I am not even 24 hours late on my payment. This is excessive and annoying my goodness I 'm at work and I know why they are calling. When I get off work I will take care of it. They need to learn positive collection practices, ticking people off is one way they loose customers and have so many repo 's.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
After speaking with PennyMac mortgage, the representative failed to close out of my account and inadvertently set up auto bill pay to my mortgage. The error was only recognized when I a received a letter stating I had set up bill pay. By that time, the other customer 's payment had posted to my account. The payment was reversed but the following month the company determined my bank account had been closed so I was sent to collections. Nothing about my bank account had changed. The error must have been made when linking my original checking back to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 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: CA

Complaint narrative:
I have had a collection account for {$890.00} placed on my credit file for all XXXX credit bureaus for an account that I do not recognize. I have never received any correspondence from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP
State: CT

Complaint narrative:
A company called Capital Management Services repeatedly calls my daughter 's cell phone saying she has a debt to settle. My daughter is in college and has no debts whatsoever ( other than student loans ). Their phone number is XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 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: CA

Complaint narrative:
My wages were garnished, without any notice, by XXXX. Upon contacting XXXX, I have received a lot of obfuscation regarding who my loan was with. XXXX claimed that my loan was created with the lender : the University XXXX XXXX XXXX. Upon checking my credit report, sure enough, the financial bank/lender is listed as the University XXXX XXXX XXXX. This is a college, not a bank. I did not take out loans from this college, and I did not take out loans to go to this college. Upon further investigation, I have been told ( only on the phone, never in writing ) that the lender was an organization called ACS. When I looked this up online, I found that this organization no longer has a contract with the United States Department of Education and was responsible for a 73 % default rate. XXXX I did not have a loan with this organization, and I did not have a loan with XXXX. I also did not have a loan with the University XXXX XXXX XXXX. Nevertheless, after submitting disputes to all of the credit bureaus, I can not manage to get this removed. I have documentation of everything, but the US Department of Education changes from one contractor to another, and I can not talk to any actual human working for the United States government to get this resolved. All " financial entities '' continue to claim that they are " no longer servicing the loan, '' so they wo n't do anything to remove completely fraudulent information either. In fact, ACS has an automated answering machine and wo n't have a real person accept calls regarding student loans. This is all such a scam. I never took out a loan. I want the information removed from my credit report. I do n't care if it is XXXX or ACS that needs to remove it, but someone needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ADIR INTERNATIONAL LLC
State: AZ

Complaint narrative:
ON XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 I spoke to a representative at XXXX on those 3 conversations the representative never verified me properly, she did not disclose that the call was being monitored and recorded, she did not state mini Miranda and she did not disclose her company name. She also continuously called me back to back on several occasions. She never got permission to call my cell phone and kept calling about 4 times per hour.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Servicer failed to respond to short sale request and then declined a full priced offer for no valid reason - gave us the amount they would approve then after receiving that amount declined - also never returned calls - did not process request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Capital Management Services, LP
State: MA

Complaint narrative:
At approximately XXXX on XXXX XXXX, 2016 a company by the name of Capital Management Services called a family member and left a message that they were attempting to collect a debt and left a phone number of XXXX. When the family member returned the call to find out what this was about they asked if she was a relative - they named me - and asked if she lived with me and had a phone number for me. This company has placed calls to my cell phone so they are in possession of a means to contact me. This is an invasion of privacy as well as an attempt to humiliate and embarrass.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: FL

Complaint narrative:
On XXXX XXXX of 2015 I went into a DriveTime dealership. They advertise being able to assist with low credit situations in which they GUARANTEE vehicle approval based on income. I feel that ever since I set foot into the dealership I was steered the wrong way due to a desperate situation. I am a new father with a XXXX week old newborn. We needed a safe vehicle prior to delivery of our newborn. They preyed on me in this situation and gave me like a 28 % interest rate on a XXXX. Prior to purchase XXXX stated vehicle was valued at about {$10000.00} which drivetime purchased at auction. Vehicle had previous accidents in which the AUTOCHECK report was designed to not tell you all about the accidents. LONG STORY SHORT, I was sold a vehicle at around 22 % interest but only after providing {$2200.00} cash down. The payments are costing me a WHOPPING {$430.00} PER MONTH ON A XXXX!!!! DO NOT GO WITH THIS COMPANY! IF DRIVETIME WOULD LIKE TO ACTUALLY ASSIST ME IN RESOLVING THIS MATTER THAN I WILL GLADLY MARK CASE RESOLVED. OTHERWISE STAY AWAY EVERYONE! THEY WILL TAKE ADVANTAGE OF YOU AND YOUR SITUATION. THEY 'RE QUICK TO REPOSSESS TOO AND THEY WILL CALL YOU A XXXX TIMES THE DAY AFTER A PAYMENT DUE DATE. THEY HAVE ALSO VIOLATED DO NOT CALL LISTS MULTIPLE TIMES IN WHICH I COULD SUE FOR.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: AL

Complaint narrative:
Prior complaint number is : # XXXX. 
I also am aware their is a harassment lawsuit filed against Drive Time, in which they still are not following suit and are not compliant with. I am also aware of the XXXX XXXX XXXX lawsuit, in which I believe Drive Time should be next for the suit description. I believe they discriminate on many aspects, such as race, age, and income. Are there even set credit tiers? Not to my knowledge. The interest and loan amount paperwork was not given to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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: Capital Management Services, LP
State: VA

Complaint narrative:
In 2006, while in my final year at XXXX University, I had a checking account with XXXX. During that spring, I received phone calls from a collection agency representing XXXX informing me that I owed around {$2000.00}. They had my name and SSN correct, but the account number was not my account. This account had bbeen opened fraudulently, used until XXXX stopped honoring the checks, and the person who had opened it disappeared. I communicated with XXXX, the debt collection agency, and I believe even filed a police report. I thought the issue had been resolved, but every few years since then, I have heard from a collection agency attempting to acquire payment on this debt.In the last three months, this has reared its head again in the form of multiple phone calls to me and a letter sent to my parents ' residence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I contacted PennyMac USA to refinance a VA mortgage under the pretense of having a lower payment due to a reduced interest rate and a longer term. My loan amount was reduced but the increased my escrow over {$200.00} more per month for no reason. Now my payment is more than was quoted. I was duped into signing the contract by the loan agent threatening that I would not get the mortgage if I did n't sign. I want my payment reduced. I have filed complaints with the XXXX, Pa. Dept of banking and this deparmtent and have had no success getting a result. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
XXXX on XXXX/XXXX/2016 at XXXX which in that motion the Plaintiff submitted XXXX assignments of mortgage which XXXX of those assignments is a fraudulent assignment. 
Penny Mac do not have legal capacity, legal authority, legal standing and legal rights. In the motion on XXXX XXXX ,2016 the motion was denied by the court. 
The financial institutions there is not in title too collect the debt. This institution is of inviolatation of the FCRA/FDPCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 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:
I have never applied for a payday loan from XXXX. This item is showing up on my credit report and is being collected by MIDWEST RECOVERY SYSTEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: NM

Complaint narrative:
I keep getting phone calls at my job XXXX asking for my husband I logged 6 call at my job in XXXX day. I have notified her that my husband has passed away XXXX of 2015 and I continue to get harassed by there worker named XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 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: PA

Complaint narrative:
MIDWEST RECOVERY SYSTEMS placed a collection account in my XXXX credit file. I do NOT owe them nor anyone they claim to represent any money!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
The Home Depot Consumer Credit Card automatically allocates any payment to a deferred interest balance if said balance is due to expire within XXXX billing cycles. This forces interest on any revolving balance. 

For instance I have a {$500.00} dollar deferred interest balance and {$250.00} in revolving balance. If I pay {$400.00} it will lower the deferred balance to {$100.00} and leave the revolving balance at {$250.00}. In a 30 day month that results in " forced '' interest charges of {$5.00}. 

I understand the idea behind this practice as it will help consumers pay off their deferred balances before the due date, but, for people who properly manage their accounts this becomes a major issue. 

Home Depot Credit Services is unable to change this automatic payment distribution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief