vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-29 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: NY

Complaint narrative:
I took out XXXX loans for my children 's educations. In XXXX I consolidated those loans with XXXX using the Federal Family Education Loan Program. The XXXX loans totaled {$43000.00} at that point. The loans were then taken over by XXXX and serviced by ACS, apparently XXXX separate institutions. In XX/XX/XXXX I kept calling XXXX to ask why the principal was still so high. They refused to provide any information despite my repeated requests. In protest I refused to make payments until they provided that information. This caused the loan to go into default, and XXXX XXXX then began servicing the loan. 
XXXX attempted collections with the principal set at {$42000.00}. I have paid {$22000.00} on these loans from XX/XX/XXXX-XX/XX/XXXX. The principal went down by less than {$1000.00} despite the payments. I understand the interest is paid first before the principal, and my repayment plan was for 15 years but this was wrong. 
My son is an attorney and he helped me negotiate with XXXX, but they were unwilling to modify the principal and added over {$8000.00} in collection costs that we were told were also non-negotiable. 
XXXX held a garnishment hearing where I sent in all the loan information ACS finally provided a week before the hearing. After almost two years of requesting the loan payment information they provided it in XX/XX/XXXX ( despite postmarking it in XX/XX/XXXX they never sent it until we made repeated phone calls all summer ). 
Even after providing this information at the hearing and providing a thorough explanation of the situation, the hearing evaluator XXXX XXXX from XXXX still ruled against us. I 'm XXXX, now owe far more than I ever took out, made over {$20000.00} in payments, and I will have no spare income because I tried to do what was right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ACS Education Services
State: MD

Complaint narrative:
I am a teacher and a graduate student taking online classes via XXXX XXXX XXXX XXXX. I started taking classes in XXXX 2015. ACS Student Loan Services took over about {$24000.00} of my student loans and XXXX took the other student loans. I have approximately XXXX student loans. In 2015, I applied for an in-school deferment. I was initially denied by ACS, but I persisted in contacting them, because I knew that I was at least part time, if not full-time and therefore eligible for an in-school deferment. ACS denied the deferment, and claimed that XXXX XXXX XXXX XXXX did not meet their requirements. Over the summer I was sent an email by XXXX indicating that they now met US Dept. of Education requirements for in-school deferment. I summarily filled out another in-school deferment. They yet again denied my request. They are now threatening me with default, and wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
I submitted a HAFA short sale to PennyMac for XXXX, loan number XXXX, XXXX XXXX, I worked with the Seller in submitting a proper application and worked with PennyMac in getting a market value as they were way over valuing the property. I followed HAFA guidelines in listing and advertising the short sale with a 6 % commission. PennyMac is now not following the HAFA guidelines in trying to reduce the commission to 5 % and now saying it is not a HAFA short sale, when it clearly is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
THIS IS NOT THE FIRST COMPLAINT I MAKE AGAINST PENNYMAC. 
PENNYMAC DO NOT HAVE LEGAL STANDING, LEGAL CAPACITY OR LEGAL RIGTH TO CONTINUE ARRASMENT AGAINST ME AND MY ENTIRE FAMILY. 
THIS TIME THEY COMPLAINT WILL BE AGAINST PENNYMAC, XXXX XXXX, PHONE # XXXX, WHO ILLEGALY JOIN OR WAS HIRE BY PENNYMAC IN CONJUCTION WITH THE XXXX XXXX, BROKER NAME XXXX XXXX, LIC # XXXX XXXX WITH PHONE # XXXX. 
I ALREADY CONTACT MY CONGRESSMAN XXXX XXXX TO INVESTIGATE IN CONJUCTION WITH FCPB, TELEPHONE # XXXX, PERSON TO CONTACT XXXX XXXX DIRECTOR OF CONSTITUENT SERVICES. 
THE ISSUE IS NOT ONLY MY PROBLEM, IT 'S US D.O.J AKA. US DEPARTMENT OF JUSTICIE. THIS CONSTITUED STREAM FRAUD CONSTITUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: FL

Complaint narrative:
XXXX I have sent a copy of my orders to XXXX of my lenders. XXXX of them have deferred my loans until the orders are over. The XXXX is refusing to defer my loans saying that I do not qualify for the benefit. 

I went to XXXX XXXX School XXXX located at the time in XXXX XXXX, MI. The school is now loacted in XXXX, FL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Capital Management Services, LP
State: MD

Complaint narrative:
NEW COMPLAINT NOT A DUPLICATE : XXXX XXXX continueS to make a mockery of CFPB and its processes. Please see attached communication that I continue to receive even after CFPB has contacted all parties. So either they 're not really moved by CFPB 's involvement or perhaps CFPB may need to really get involved in these illegal activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
We have a home insurance claim related to damage from the winter of 2014. They are not processing our payment. I have a recorded call that states they will release payment but continue to delay

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Carpenter, Hazlewood, Delgado & Bolen, PLC
State: AZ

Complaint narrative:
To the Consumer Financial Protection Bureau, I own a home located at XXXX XXXX XXXX XXXX, XXXX XXXX Arizona XXXX and pay my XXXX fees to XXXX XXXX XXXX currently. 

In XXXX 2016 I made the assessment payment in the amount of {$250.00} In XXXX 2016 I received a letter from XXXX XXXX XXXX, regarding weeds in my front yard, and immediately corrected the problem. 

My next quarterly assessment to XXXX XXXX was due in XXXX 2016 of {$250.00} I unintentionally missed this payment, and proceeded online to attempt to make XXXX quarterly assessment payments at once. I was blocked from XXXX XXXX online bill pay. I called regarding my account and was sent to voicemail. Several days later I received a Notice of Lien filed against my home in XXXX XXXX, Arizona. After a couple of attempts, on XXXX/XXXX/16 I had the opportunity to speak with a specialist from XXXX XXXX, who was unable to give me any information regarding my account, and only advised me that this was sent to an attorney for collections, and that I needed to contact the attorney for any information. The attorney was XXXX, XXXX, XXXX XXXX XXXX in XXXX, Arizona. Their email address is XXXXXXXXXXXX. I spoke with a XXXX XXXX XXXX, who provided me with a list of fees that they claimed I owed, totally {$1500.00}!!! She could not tell me when any of the demand letters they charged me for were sent out, she could not advise me if any collection phone calls were made, and could not explain to me how XXXX missed {$250.00} quarterly assessment, turned into a lien on my home, and an outstanding balance {$1500.00}, that continue to create additional fees that I have to pay. I sent an email to XXXX ( that 's how I was advised to obtain information ) at XXXXXXXXXXXX. I received no response, nor have I ever been contacted via phone or letter for a payment, other than the XXXX I stated above. I also saw on the list of fees that I supposedly owe that I was being charged {$100.00} for weed fines. These have been kept up since the initial letter, and I do n't understand why I am being singled out for this. 

If anyone could kindly assist me, I feel taken advantage of as a consumer and home owner. I do n't understand why no one will help me or explain to me how to resolve this. I do n't understand how a missed assessment payment of {$250.00} has quickly compounded attorney 's fees, document fees and a lien on my home. I understand as a consumer, that if you have a late payment, a reasonable fee to be assessed would be expected. As a single, female home owner, who takes every precaution to pay my bills and protect my credit, I feel targeted by XXXX XXXX and am desperately seeking the assistance of the CFPB. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
Doctor bill submitted for collection, I then paid the debt directly to the doctor not the collection company. Collection company states I still owe the entire debt including interest they are charging based on the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: WI

Complaint narrative:
On approximately the first week XX/XX/XXXX I filed a dispute complaint of fraudulent charges with Rush Card. During the investigation, they stopped usage of my current debit card and issued me a new card. Upon receiving the new card, the company was in the midst of a very large upgrade to their services. When I went to activate my new debit card, it would not accept the information via telephone to activate the new card. Upon logging in online, I noticed that the new card displayed online on my account did not match the one I received in the mail. Due to the large epically failed overhaul, I was not able to reach customer service via telephone for the first 24 hours. During this time, I sent an email and was issued a ticket number and an automated response saying they would respond within 12 hours. As of XXXX/XXXX/2015, I still have not received a response. I have gotten thru to customer service after several failed attempts and was given a response that " I need to wait for the website overhaul to finish and the account numbers would be updated. That never happened either. I have been put on hold, hung up on, passed along and still can not access my XXXX payroll deposit that was put in my account on XXXX/XXXX/2015. I talked to customer service last night and they were going to issue me a pin number to resolve this issue but they hung up or disconnected before I could receive the number. I have faxed, called, and emailed numerous times and to numerous affiliates and hit a dead end everytime. I have reached the end where this is no longer acceptable customer service. 
After weeks of run-arround and dead ends. Rushcard customer service states that 1. They do not have access to accountholders information and when requesting to consult with supervisor, I was transferred to a person who was able to access my account info but still could not resolve my problem. I have paid {$30.00} for an expidited fee for a replacement card that was blocked before I even received it, and not offered a refund of that {$30.00}. It is XX/XX/XXXX15, and I still can not access my money on this account. Rushcard has no problem deducting fees from the account but claim they can not perform a card to card transfer on their end, even though we have record of them doing this exact thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XX/XX/2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XX/XX/2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.

Company response to consumer: Closed
Consumer complaint received 2015-12-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
There is an ongoing dispute between myself and Scottrade Bank that has caused me to loose access to my funds and suffer hardship as a result of Scottrade Bank 's delays on letting me access my account. 

Specifically, I submitted a complaint against Scottrade Bank and the OCC for what I would consider to be illicit actions by a Scottrade Bank employee, regarding the handling of customer information and critical financial information. Days after sending the complaint, Scottrade Bank locked my account, but failed to inform me of this action. Weeks later, when attempting to access my account, I noticed that my account had been locked. 

I called the XXXX XXXX XXXX who said I needed to call the local branch. I then called the local branch and they said I needed to call the XXXX XXXX XXXX. I was caught in a XXXX with no access to my account or my funds. 

I am writing this complaint as well as providing the attached in hopes that the CFPB can investigate the fraud at Scottrade Bank and mediate a helpful resolution.

Company response to consumer: Closed
Consumer complaint received 2015-10-24 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: AR

Complaint narrative:
I 've been with Rush Card 8 years and they have n't funded my money and it 's been three days since I 've supposed to receive it, I have n't paid any bills because I do n't have my money and it 's not right, I only receive XXXX every two weeks, it 's hard for a single mother.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-05 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: PA

Complaint narrative:
I have a prepaid rushcard, I have n't received my last XXXX paychecks. Every time I call they apologize and guarantee that it will be fixed by XXXX XXXX but it 's lies. I have n't received my money since XXXX/XXXX/15 and I have a shutoff notice for my electric tomorrow and my rent is late. I need help please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: SQUARETWO FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, I had a financial situacion on XXXX and I owned {$1700.00} to XXXX XXXX I couldn'n pay because I loose my job. The bank made a charge off on XXXX XXXX. After that CACH , LLC AND XXXX ; opened a judgment case # XXXX and they order a earning withholding. I already pay the amount of {$3500.00} and the last withdrawal was on XXXX XXXX XXXX. Until this date they have n't report to my credit file that I already pay the full amount. This situation is affecting to my credit record because I tried to buy a house and the lender wants the information about the case. Please can you help me with this matter? I already called both companies. CACH LLC told me that XXXX XXXX XXXX needs to send the information to the Credit Bureau. XXXX sent to me to CACH LLC.because they do n't have information about this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SQUARETWO FINANCIAL CORPORATION
State: CO

Complaint narrative:
I received a letter from XXXX XXXX representing CACH LLC on an account being claimed was sold to them by XXXX XXXX XXXX. I contacted CACH LLC in XXXX with documentation supporting that the original creditor was XXXX XXXX on account that was compromised in XXXX. The charges were removed and the account should have been closed as Paid in Full. During this time XXXX XXXX went into bankruptcy proceedings with assets going to both XXXX and XXXX XXXX XXXX. In a system transfer the XXXX account was given to XXXX banks with a system error transfer of fraudulent charges from XXXX XXXX. Both XXXX and XXXX adjusted to reflect interest rates on the fraudulent charges and fees to legitimize the balance as a receivable to both banks. Eventually both banks sold the same account to XXXX collection agencies XXXX XXXX and CACH LLC. XXXX XXXX filed a claim in XXXX XXXX XXXX XXXX and dismissed the case by a judicial ruling without prejudice in XXXX. Now CACH LLC has retained another agency to continue collecting on fraudulent balances that were already ruled on and accepted as fraudulent for the same account. Aside from a balance that is going on XXXX years old and violating CO 's statute of limitations of 6 years, their are several TILA violations from XXXX and XXXX prior to the sale of the account to XXXX XXXX and CACH LLC and a court case being dismissed without prejudice for the fraudulent charges associated with the XXXX account and sold as a receivable to XXXX different banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
I have not received my payroll deposit. Just add me to the list of people that are waiting for their money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: KY

Complaint narrative:
This credit card account is just now coming to my attention. I did not open a credit card through XXXX bank based out of Nevada at any point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I am writing out of concern for the DOJ investigations in hackings against Scottrade and others. 

Specifically, I know for a face, that Scottrade was informed of their cyber security vulnerabilities through numerous Whistleblower tips submitted to the SEC, some of which were forwarded to Scottrade for review. 

I know this because I 'm the one who found the flaws, including the heart bleed vulnerability, and reported them to the SEC more than two years ago. 

The failure of the SEC and Scottrade to understand the technical disclosures led to over XXXX XXXX customers being breached and I do not take this lightly. 

Please contact the SEC and request all complaints against Scottrade and you will quickly find that their failed cybersecurity infrastructure and corporate culture was reported by myself and others numerous times, before a hack even occurred.

Company response to consumer: Closed
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SQUARETWO FINANCIAL CORPORATION
State: PA

Complaint narrative:
CACH holding has not contacted me in the 2 years of debt that I have owed them. I have not received a single phone call or letter from this agency. My credit report shows " criminal activity '' and other key issues that are currently denying me from receiving an auto loan. I have been trying to resolve this issue for over a year, with extreme persistence through the last month. I have not been able to find any contact information about this holding company and my current debt is affecting my ability to acquire a loan for a car that, due to my location of residency, I desperately need in order to continue to remain employed. I need this issue to be resolved this week.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation