vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
XXXX/XXXX/2016 From : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Dear cfpb, I am writing to let you know that a few years ago my wife and I lost our jobs and because of the loss of income we suffered falling behind on our mortgage payments. Because of this we could not attend to any modification and or any program since our companies for work did not have any work for us. We had attempted over and over since then to get a modification or some program recently to start to pay the mortgage because we have our jobs back and between us all at home are making just over {$8000.00} a month. however, penny mac loan servicing has a number of times denied us because they have stated that they can not help us. I have called them many times and every time they give me different excuses as to why the they can not help us. For example, they state that we do n't make enough, then they stated that they did not receive proof of income, then another time stated that they received all the proof of income but there is nothing they can do. They my case to home saver program new jersey housing and mortgage finance agency, where I spent 2 months attempting to get help funds to save our home to be told by them that they denied our application and did not even said why. They had informed penny mac of the denial and stated to me when I called that I could appeal on both ends the home saver program and penny mac. I did just that XX/XX/2016 and never received a response from the home saver program and penny mac told me that whoever I spoke to at penny mac failed to tell me to send them proof of income and that I should send the proof immediately which I did. A week went by and I called them and they told me that the underwriter closed my case because of not sufficient income every month and that I needed over $ XXXX month. I explained to them that collectively my wife, myself and my son are bringing in the home over $ XXXX a month. 
I feel I have been discriminated upon as penny mac did not ever give me a proper instruction to apply for mortgage assistance. I have sent letters and called them desperately seeking assistance. Once again we are making money and have our jobs and willing to start paying a mortgage. We do n't want to lose our home. We want a fair chance at saving our home. They wo n't even tell us the proper steps to a short sale which I have inquired about. I make this complaint because I do n't think it is fair that we are now recovered with respect to having jobs and are not given a chance to keep our home. Thank you. XXXX XXXX XXXX . Loan # XXXX Penny mac loan servicing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
This company has horrible customer service. They tell me something different every time I call. They say they will call back and I never hear back from them. They say they will send me documents in the mail and they never come. At the present time I am trying to settle a matter of mortgage insurance ( PMI ). I called in mid XXXX to ask them to schedule an appraisal of our home to get rid of PMI. They said it would be a 2 to 3 week process. They scheduled the appraisal, which was done on XXXX XXXX, and then we heard nothing from them. I called in XXXX and was told that they had no idea what was going on with it. I called again a week later and they said it appraised for enough to get rid of PMI but it still needed a manager approval. I waited another 10 days before calling again. Still no manager approval. My bill for XXXX still had PMI required as payment ( {$200.00} ). I talked to them over the phone and asked what would happen if I paid the payment with mortgage insurance still included in my payment. They told me I would get it refunded to me ( {$200.00} ). Next thing I know, they sent me a check for only {$20.00} and said that was all I was eligible to be refunded. Currently I am waiting to hear back from them on this matter. I spent 2 hours on the phone with them 2 days ago, being transferred from one person to another who had no idea what to do. They finally said someone would call me back. No one has called me back and it has been over 48 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Midwest Recovery Systems
State: OK

Complaint narrative:
I have never received any information regarding this debt. No mail, no contact to validate. I have submitted multiple investigations to the bureaus because it just suddenly appeared on my credit report. After submitting first investigation, they added it to another bureau and after disputing that one, they added to the third bureau. I am at a loss here for how they could report something on my credit and not be able to send me any validation of this debt? The company is Midwest Recovery Systems. Also they are reporting an opening date for the account as last month and that is not possible. I have a clean and clear good credit report. No defaults or delinquencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: IN

Complaint narrative:
I took out a XXXX $ loan originaly with XXXX $ monthly payments that are due on the XXXX of the month from XXXX XXXX to XX/XX/XXXX.Now i access my online acct for spotloan it has me with owing XXXX $ and paying XXXX $ a month starting XXXX thru XX/XX/XXXX? How did my loan go from XXXX $ to XXXX $ and have n't made a payment yet?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
I am filing this complaint because my right has been violated. Please advise Savit Collection Agency to stop harrasing me with their phone calls. I am not indebted to them. 
XXXX XXXX scheduled my son at XXXX XXXX XXXX XXXX ( XXXX ) about two months before the XXXX date. At this time, I presented my health insurance card to his staff and she made a copy. On XXXX/XXXX/2014, XXXX representative called to confirm and verify my insurance ; and I informed them to use only personnel on XXXX XXXX XXXX. The purpose of the insurance card was to prepare personnels who are on network. 
On the day of the procedure, XXXX went to use NJ XXXX that is not on network. My insurance issued a check commensurate with what they would have paid for such services if they had used anyone on network. Unfortunately, NJ XXXX sent my data to Savit Collection Agency. 
It is not my fault that a personnel that is not on my insurance network was used. I was never consulted or informed before they used such service. 
Savit Collection Agency should please go after whoever made the schedule without considering my health insurance card that i presented and verified. Also, they should stop calling me concerning this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
while checking credit report I noticed a COLLECTION account from Midwest Recovery when I called them they said I had a PAYDAY loan in XXXX Original creditor Current Creditor : XXXX, now its under XXXX ALL SCAM FOLKS,, First never had XXXX from any of these folks, Second, its over XXXX XXXX XXXX XXXX of limitations,, third If I did which I did not,, No Calls, No Mails, no nothing! if I was that late! Fourth the only way I found out was when I saw XXXX on my Credit report as a account in collections on XXXX and was forced to call these folks,, I claimed fraud not mine etc now I have to go get a police report on ID THEFT and fax it to XXXX so I can get this off my report! Oh they will send the report to the so called creditors that I never dealt with to fix this discrepancy,, DOESNT XXXX check this so called creditors? these XXXX creditors are blasted by every state agency and XXXX as Scam folks,, How do they get away with contacting XXXX and say yea 5 years ago this was a loan we gave him,, go get the money,,, XXXX cant even tell me the loan amount original, ( BECAUSE THEIR ISNT ANY!!! ) THEN XXXX PUTS IN ON MY REPORT and DROPS ME XXXX points!! WHY COULDNT XXXX call me first or said mail to the house PRIOR TO the Credit report,, is this the tactic they use to get folks to contact them???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
I have a mortgage though PennyMac and have had XXXX instances of them obtaining insurance on my behalf which was inappropriate. 

In the XXXX case, I was notified by PennyMac that I was no longer required to hold Flood Insurance as FEMA had reclassified my location. I returned their form letter in XXXX of XXXX requesting that they not pay that insurance when it renewed. In XXXX of XXXX, PennyMac paid the renewal in spite of my written direction. After more than XXXX calls to their insurance and escrow departments, I gave up - not having received any money back. 

In the XXXX case, PennyMac had renewed my home owners insurance through XXXX XXXX in XXXX XXXX and for reasons that I have not been able to determine paid for a second home owners from a company called XXXX XXXX in XXXX of XXXX. I believe that they were scammed by someone posing as a XXXX XXXX employee, as XXXX XXXX denies having anything in my name and does not do business in XXXX. Once again, I have been completely unable to get PennyMac to re-imburse me for the missing funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
My Mortgage payment amount changes each month. 
I never know how much I am suppose to pay. 
The company PennyMac XXXX CA XXXX I have tried to speak to someone about the constant changing of the mortgage amount I am to pay each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: COMMERCE BANK
State: KS

Complaint narrative:
Commerce Bank failed to update my address despite multiple requests. They then charged a late fee because I did not receive the bills they continued to send to my prior address, and refused to refund the late fee that they caused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: COMMERCE BANK
State: KS

Complaint narrative:
This complaint is regarding Commerce Bank. I am a joint owner on my daughter 's student checking account. She transferred money through their mobile banking app at approx. XXXX on XXXX XXXX. It raised her " available balance '' by that amount. She then made XXXX debit card purchases online. Since it was after XXXX, the transfer was n't credited to her account until the next day, however, the debit card transactions that had been authorized but had not " hard posted '' counted against her immediately and they charged her {$10.00} to transfer the money from her savings account for " OD protection ''. When I called they told me had she not had OD protection she would have been charged XXXX overdraft charges. It seems unfair and deceptive for them to increase her available balance and make her think she can use her debit card and then charge her either an OD fee or an OD protection fee for subsequent transactions that are made using those funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX. I ca n't acces my rush card account. They 've been giving me the run around for almost a week. Ima single mother of a XXXX old son and XXXX year old brother. I 've been with rush card since 2008. This is my second issue with this company. I have been without food for 6 days and I had to go to a food bank. I 'm late on my car note and just lost my job. I 'm a full time student. I cried because I felt like I shout have put myself in this situation, when all I 'm trying to do is support my boys.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
Starting XXXX XXXX, 2015 RUSHCARD prepaid services notified me saying they are updating the rushcard system from XXXX so that means no access to my funds. After XXXX XXXX XXXX I got a text messages stating that rushcard extended the maintenance until XXXX. I tried using my rushcard at the ATM that night and the ATM did not recognize my card. I called rushcard the next morning and the customer service representative could n't tell when I can use my funds again. I 'm nervous about the situation because I can lose my money I work hard for. I 'm so depressed I ca n't my bills that upcoming I do n't know what to do? It 's been three long days without my money. If you search rushcard on XXXX alot of people are suffering without their funds. I feel like XXXX XXXX does not care and his company is not telling customers the truth about what HAPPENED to our money. Please help meSincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NV

Complaint narrative:
My account does not correctly show my actual balance and i cant use my card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MO

Complaint narrative:
My payroll check was deposited onto a 'Rush Card ' and two-three days after the funds posted to the prepaid card, they were retracted or otherwise misplaced. 
I have reached out to the company on multiple occasions, I have direct messaged the company representatives, I have filed a Consumer Affairs complaint, to which I was asked for a number I could be reached at, that was three days ago. 
This has been going on for over a week now with no resolution, no call back, and no straight answers as to when/if the issue will be resolved. 
The only phone call I received that was outside the norm was a phishing call telling me to select one to receive a free voucher to some unnamed website ( download virus to mobile ). 
I 'm tired of it, no answers for me, just platitudes and broken promises. I 've had enough, I missed a day of work because I am broke and without gas. Luckily I have a perfect attendance record or I may have been fired. 
And I understand this is on me for not dealing with a reputable service or my brick and mortar bank but I just need to get my money from them so I can take it to my bank and not have to live through this nightmare again. 
Please help, any answers as to what is going on I would greatly appreciate. 
~Oh and I have already reached out to my employer 's payroll dept regarding this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: AZ

Complaint narrative:
On XXXX XXXX 2015 I put {$500.00} on my pre paid Rush card. Since then, my account balance is {$0.00} and when I call this company the recording says my card has not been activated. I have had and used this card for over to years. When I finally got through to speak to someone she said she could not access any accounts and would text me when the problem was fixed. I 'm still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CT

Complaint narrative:
In XXXX, Scottrade admitted that almost XXXX XXXX customers has their personal information exposed to hackers in XXXX and XXXX. I was XXXX of the victims who had their personal information exposed and let me tell you, despite what Scottrade says about the breach only including " address information '' the breach exposed at least the following : 1. ) my password, which was poorly encrypted. 
2. ) my SSN, which was stored in plain text. 
3. ) my bank up questions. 
4. ) et al. 
The information accessed lead to a particularly bad instance of fraud which is still being investigated by policy today. In XXXX, a number of Scottrade accounts was hacked with over a XXXX dollars in fraudulent trades being conducted. Scottrade denies thus, but I was XXXX of the victims. 

I am writing this complaint with the CFPB to set the record straight, Scottrade knows that the hack compromised individual account and the monies within the accounts yet it claims that user are at no risk. 

Please do us all if favor, if you are an account holder, close you account before it is too late, if you do get hacked, Scottrade will make up a story and blame you for it.

Company response to consumer: Closed
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a letter from CACH , LLC regarding a debt I never had any business relationship with CACH , LLC. I wrote a ( certified letter ) requesting verification of the debt. CACH , LLC. did not respond ; instead CACH , LLC. proceeded with legal action against me. I want CACH , LLC to verify the debt as allowed under the credit act law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 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: NRA Group, LLC
State: MA

Complaint narrative:
I pulled up my credit report looked it over and realize that XXXX is reporting to the credit bureau a debt of {$260.00}. I contacted them and let them that I never had services from XXXX. They asked me for my account number which I explained to them that I do n't have XXXX and I was looking at my credit report and saw that there 're reporting to the credit bureau this debt. So they asked me for my Social Security number, when I provided them with that number then they told me that I 'm not on there system and since I 'm not on there system I should n't have to worry about it. So I explained to them that I have to worry about it because it 's on my credit report which is hurting and my credit score. And I explained to them that I wanted to dispute this debt because simply it does n't belong to me. Then they told me to contact the credit collection agency because they no longer have it on their system which is wrong because they 're still reporting it to the agency even though they sold the debt to national recovery agency ( under the fair credit repair act FCRA Once you sell the debt to collection agency you are not allowed to report the same debt to the credit bureau as if it 's a different that debt anyways it is illegal to do that ) which I have contacted numerous of times they kept hanging up on me telling me that I have to disputed this debt with the XXXX and they 're just collection agency. Enclosed in a letter that I sent to national recovery agency requesting information about this debt. What I got back from them is a copy of the bill which does not prove to me that it 's my debt. So if you please help me out because I 'm losing sleep over this matter. XXXX companies are reporting the same that which told belong to me and it 's really frustrating so thank you very much in advance for your help and I appreciate it and hope to hear from you soon

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
I 'm being with held my money from rushcard. Not able to withdraw my money from the atm for a week now. I 'm a new single mother with a XXXX month old.

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: MO

Complaint narrative:
My card was lost while on vacation and I tried to transfer my money to another account and cancel the lost card.I am unable to manage my money due to a computer gliche. When I called to rectify the situation, the phones cant recognize my information and disconnects or I am placed on hold for over two hours and the eventually the call is dropped without speaking to an agent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
Rush card has completely been so disrespectful with their most recent system set back. Let alone i have transfered money from one account to the next and the funds are nowhere to be found. I 've been hung up on numerous of times and on hold now for over an half hour. My car payments and insurance has been paid late and rush card has no compassion of the matter and all I want to know is where is my money. I will be closing accounts associated with Rush Card due to the lack of services and the set backs on paying bills. I never want experienced this again I was an loyal customer since 2011 but I will be continuing putting all all funds through a real banking service.

Company response to consumer: Closed with monetary relief