vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
On behalf of the XXXX customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : IC3 Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXScottrade 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that Scottrade also provide a public response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION
State: CA

Complaint narrative:
Cach , LLC is reporting an account on my credit report which I do not recognize. I 've disputed it with XXXX claiming it does n't belong to me. XXXX bureaus claim it 's been verified and said I needed to contact the data furnisher to get further information. On XXXX XXXX, 2016 I mailed CACH , LLC a letter requesting all information verifying this account belong to me & they could verify the debt. They have ignored my request for information & are still reporting the account on both XXXX & XXXX credit agencies. I would like this removed immediately since it has been over 30 days since I requested the information & they have never verified/validated the account.

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 2015-11-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC
State: NY

Complaint narrative:
I had a XXXX in XXXX XXXX and was transported to the hospital by ambulance. I had medical insurance at the time but I did not have my insurance card at the time. Later, I called and provided my insurance information but the amount on the bill never changed. I called again but they insisted that I still owed the same amount regardless of insurance. After my refusal to pay, due to the refusal to apply my insurance, they sent my account to a debt collector. This was about 5 years ago and Apex ( debt collector ) has continuously called, at all hours of the day yet they never leave a message nor have I ever received a paper bill. This debt is negatively affected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: VA

Complaint narrative:
Rushcard locked my account because they said my card was compromised and claimed they sent and email which they did not and locked me off the Website. I have n't been able to get my money going on three weeks and the customer service is awful. They put you on hold for almost an hour and then youre disconnect only to have to start over again!! I 'm behind in bills because of Rushcard. I 'm being penalized for something they did on their end! I NEED my MONEY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
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 2015-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ECMC GROUP, INC.

Complaint narrative:
I was contacted in XX/XX/XXXX to file taxes for XX/XX/XXXX. It was my error thought I completed on line. Filed with the Indiana Dept of Revenue ; no written response. Called, got hung up on, left messages no return calls, sent return in again, still no written XXXX from Internal Revenue Service, called again, was told putting hold on account, that did not happen. Got levy on personal bank account, rude people at both the Indiana XXXX, and Premier Credit. Not once contacted by Premier Credit, Indiana XXXX new dispute with amount owed. Claimed I did not send in XXXX and XXXX ; which I did both times. Basically, harassed by both

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I closed on a mortgage refinance with Paramount Equity ( PE ) in XX/XX/2016. As of XX/XX/2016, I still had not received any payment coupon books or information about how to access my mortgage account and information. I was told by PE that my loan was being transferred to another service company, and that I would be contacted by them by the next month ; one story was that the transfer was audited, which was the reason for the delay. In short, for each of the past three months, I have received the same story from PE : " It should be processed next month ( XXXX, then XXXX, then XXXX ). '' XXXX is here, and still not servicer on my loan. They appear to be incompatible to set up my loan servicing properly, and thus incompetent at their job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 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: MI

Complaint narrative:
So much of my payments go towards interest rather than principal. At times, when I would pay more than my required monthly minimum, that extra money went directly towards interest. The first year and a half that I began paying ( 2011 ), all of my payment went towards interest and nothing went towards the principal. Is that normal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have asked Capio Partners to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BlueChip Financial
State: CA

Complaint narrative:
I have a loan with Spotloan.com for {$700.00} and I have already paid it back but they still want {$600.00} more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I have sent payments to PennyMac mortgage using XXXX XXXX XXXX Billpay since the day they bought the paper. Now, for the last 3 months, PennyMac has decided they will apply my payments only to principal reduction. If I did n't catch this 3 months ago, I would unknowingly be behind on my mortgage payments. It seems like XXXX, XXXX, & XXXX all over again! Each of the last 3 months, I have had to write letters requesting PennyMac to properly apply my payments. They have corrected the issue each time but it takes a couple of weeks for them to get it right. I am concerned that they are possibly over charging me for interest for the days they are taking to fix their errors. I have just asked to be contacted by a loan servicing supervisor but I do n't expect them to comply. I always paid a little more than the payment due to try to shorten my loan period. This month, I sent the EXACT payment due and they still applied it to principal only. Their website is a pain to navigate because they load my computer with cookies that my antivirus program deletes. Every time I try to log in, I have to wait for PennyMac to send me a special code via email so I can access my account. It is really like dealing with a guy down the block running a mortgage company from his garage. I ca n't be saddled with a mortgage company I do not trust so I am going to pursue a refinance to get away from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I received statement of credit denial ( see attached Valley National Bank Credit Denial ) regarding refinance of home loan with Valley National Bank for primary residence. 
Complaint is regarding Valley National Bank is not refunding {$490.00} origination fee. 
According to Valley National Bank Disclosures and Authorization document, under section REFUND OF ORIGINATION CHARGE AND OTHER FEE ( see ( XXXX ) in attached Disclosures_And_Authorization document ) Origination Charge ( The amount collected ) is not refundable, except under the followingcircumstances : ( XXXX ) your application is denied and our decision is based on reasons other than valid underwritingconsiderations which we knew, or should have known, from the facts contained in your application ; My refinance loan was denied because of pending HOA litigation which was the fact contained in my application ( see attached CONDO ADDENDUM, provided with myloan refinance application. Look for " is the project the subject ... '' ). 

For that reason Valley National Bank has to refund {$490.00} origination fee. 

I spoke to XXXX, XXXX XXXX, and XXXX XXXX and they all said we ca n't sell/re sell your mortgage in secondary market due to pending HOA litigation and we ca n't approve refinance home loan. 
I did not get any answer from customer service or XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Management Services, LP
State: CA

Complaint narrative:
They left me a message stating they were attempting to collect a debt. ( I do not have any outstanding or late debt, I monitor my credit report monthly ) When I called back they asked me if I used to go by the name XXXX XXXX XXXX ( my maiden name ) and then asked me to supply my dob. I did not. When I asked them what supposed debt they were calling about, they said they needed to verify my information XXXX. When I asked what kind of company this was, they said vaguely " financial services '' I asked them to clarify repeatedly and she would not. I then asked what else was needed to verify my identity in addition to a birth date ( I did not give them that much ) and she said the last XXXX of my social. I told them, '' Absolutely not '' and hung up. This company has more online compalints than I could have imagined and would not give me any information without asking for my personal info first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have been having several difficulties since our mortgage was transferred from XXXX, then GreenTree Mortgage and now Ditech mortgage company. Since the transfer, my husband and I have noticed that our monthly payments are not being applied correctly and the mortgage company and we feel like we are being scammed. We pay additional money each month where we request that the additional amount be applied towards the principal and escrow. The mortgage company does not supply payment books that allows us to pay extra towards the principal and escrow. When we spoke to them about our issue, they spoke to us in a condescending manner and tried to make us appear stupid. We were told that they could not provide us with a payment booklet that would allow us to show how much of our additional payment should be applied to principal and escrow. In fact, we were advised to write it out on our payment statement and then we have to call each month to inform them how to apply it even after we had written it out. My husband and I are both elderly and I 'm in a XXXX. We feel that this mortgage company has made it very difficult for us and have taken our additional payments. When we receive our monthly statements, we notice that our additional payments are not being applied. Where has our additional payments gone? We are elderly but we will not sit back and be taken advantage of by this mortgage company. When our mortgage was transferred to GreenTree, we never received a check for the extra funds that we had paid into the escrow account after our taxes and insurance was paid. Where are those funds?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
My mortgage company marked us late to the credit bureau for XX/XX/XXXX for 30 days and for XX/XX/XXXX for 60 days when we paid both months on time. We entered into an approved loan modification loan that started XX/XX/XXXX to XX/XX/XXXX. We have statement that show we paid every month on time. In XX/XX/XXXX my mortgage company PennyMac said the Loan Modification Dept. had not finished the paperwork, so to pay the same modification amount for XX/XX/XXXX, which we paid on time. XX/XX/XXXX at XXXX we received a XXXX package with our loan modification paperwork saying to sign and return them by XX/XX/XXXX. I called and PennyMac said to take a week or so to review and then sign and XXXX back as we did. I called in XX/XX/XXXX to make a payment and they said since the modification was finalized XX/XX/XXXX. they did n't expect us to make a payment, that month was rolled into the new loan modification. I was told to make the next payment in XX/XX/XXXX, which we did on time. 

A Rep. at PennyMac sent us a letter saying we were not late in XX/XX/XXXX, but said they would not remove XX/XX/XXXX late reporting. I sent her letter to the credit bureaus and received a letter saying PennyMac said they did n't send the letter. 

I have PennyMac statements showing I paid every month on time. I also have the letter from PeenyMac saying they were in error marking us late for XX/XX/XXXX. Also the paperwork for my new mod loan. 

I 've sent several emails to PennyMac, which I have copies of from their website. I 've spoke to several reps. Who have incorrect information and I 've faxed all my paperwork to them. 

Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 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: CO

Complaint narrative:
I have XXXX issues. First is I had a debt paid off with ACS over a year ago, last month I got a letter from them stating that they overcharged me XXXX dollars XX/XX/2013 and are now refunding the money. In addition the letter they sent which I will attach, is incomprehensible and makes no sense at all stating some people received more or less money than I did so they are refunding my money. 
The second issue is that account has been closed for over a year and last week I got an email from the company with an access code to access the account, which I did not sign into or try to access, I then logged in myself and it says that the account had just been accessed so it appears they have been hacked, my wife then had a similar email and her loan was paid off a year or two before mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
Very quickly ... XXXX XXXX mortgage payment XXXX XXXX XXXX Mortgage payment XXXX XXXX XXXX Mortgage payment XXXX XX/XX/XXXXXXXXtgage payment XXXX XXXX XXXX Mortgage payment XXXX I had contacted my mortgage company and asked how come my mortgage went up so much? They said it was due to the shortage in escrow and my taxes went up. I asked how much are my taxes and they said over XXXX for the year. I told them that my taxes were not that high, somethings wrong with the payments for XX/XX/XXXX and XX/XX/XXXX. I argued with them ALL XX/XX/XXXX and XX/XX/XXXX about my account being wrong. They finally admitted that they had made a mistake and put the " over payment '' of XXXX to my shortage in escrow but they did not remove a late payment with the credit reporting agency for XX/XX/XXXX. I told them I could not make that inflated payment because it was too high. So I had to make a double payment in XX/XX/XXXX figuring they would correct their mistake. They NEVER sent me my new escrow figures until I had questioned the payments. So now im paying what I should of been paying since XX/XX/XXXX and my payment would not have been late. Ive tried to reach a manager or supervisor about this but NOBODY has answered their phone or returned any call that I have made. ( over 10 calls ) I want my late charge to come off of my credit report so I can move on and forward. I have ALL records and can make copies if you need them. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
I received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XXXX. I have been a victim of identity theft since XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: RI

Complaint narrative:
My mortgage company sent me a solicitation ( attached ) to refinance my loan. I feel that this is a deceptive letter because it highlights the monthly payment reduction without making it clear that if the loan goes to term I will actually pay nearly {$100000.00} more than the original loan. This is exactly the kind of predatory practice that caused the great recession. Why are companies like this allowed to " trick '' unsophisticated consumers into thinking they will be saving money rather than paying out vastly more in the end. I look forward to hearing what you can do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I requested Ditech to stop contacting me and harrassing me with threats of foreclosure on a loan they do not own. They have not responded with my request to validate this debt. I will attach documents sent to them again. I have sent debt validation letters to Green Tree and Ditech several times by registered mail and they have not responded. They are now threatening to purchase a insurance policy on the property which they say I will be responsible for paying. They are debt collectors and I am requesting copies of original assignments to them. How did they get my personal information? Please see copies of letters sent to them. They are threatening to foreclose on a credit agreement they say I have with them, I have never had a credit agreement with these companies they say they have an account with me that is secured by collateral. Please see attached letters they have sent to me and continue to send to me. They call me 3-6 a day and I have asked them to stop calling me until they can properly respond to my debt validation letter. They are not following 15 USC 1692 g1 g2, 1692 c, among many other FDCPA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation