vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
Approximately XX/XX/XXXX, I returned a vehicle to Reliable Credit due to the unsafe condition of the vehicle. The vehicle had a broken sway bar which prevents over response. or top heaviness when entering a curve while driving. Reliable Credit accepted the voluntary surrender of their vehicle and agreed stated they would contact me once the vehicle had been resold and payment arrangements between my self and Reliable Credit would be discussed. 
Approximately three months later, I called Reliable Credit to inquire of the status of the vehicle. It was then that I was informed they had sold the vehicle XXXX and the account had been sent out to collections to XXXX XXXX XXXX, ( in my opinion, an ambulance chaser attorney ). I received no calls as they had agreed, have no idea of what the lemon was sold for, and was told I owe in access of {$5000.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
According to a number of recent articles released today, such as ( XXXX ), Scottrade Bank as well as Scottrade XXXX was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade XXXX is the victim which means the hackings encompassed both Scottrade Bank and Scottrade XXXX.

Company response to consumer: Closed
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: NY

Complaint narrative:
I have been unable to access my direct deposit payroll check since payday on XXXX/XXXX/2015. I have placed numerous calls to rush card but have only been able to speak with someone XXXX times. I was told twice ( Sat., XXXX EST, that an escalation request would be submitted & I would either have my deposit or hear from someone in 12 hrs. Then again on Monday, XXXX/XXXX/2015 I was gave my information again & assured that I would have my money by the end of business that day ). Today is Wednesday, XXXX/XXXX/2015 and I have been unable to contact anyone. Calls are disconnected. I have not received any tx, emails or phone call. In addition I have contacted XXXX, they we helpful, & I received more info from them since this nightmare started. I just want the truth, and an estimate of when or if I will be able to gain access. The total disrespect while paying lip service is so unacceptable. In this age of technology, it is hard to believe that it would take this long to rectify. It is very scary and there seems to be no recourse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC.
State: IL

Complaint narrative:
several years ago I was victim in a car accident in which i had XXXX. However, the Lawyers that I had working on my case had conducted a sham job, from one day to the next the medical bills were not paid and and bill increased i had went to therapy and was getting charged for thing that were not performed, per the the Law firm and the attorney on the case stated they were paid. Once I revealed what they were doing on my case, the lawyer secretly summons a petition to have them removed from the case these bills were intended to be paid as the lawyers stated they were

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: WI

Complaint narrative:
I went to an ATM ( XXXX XXXX ) on XXXX/XXXX/2016 to withdraw {$400.00} & it did not dispense out. It went in the local branch & talked to XXXX XXXX about the matter & it was later acknowledged that my money did not dispense out so therefore XXXX XXXX ( handles ATM disputes ) faxed the paperwork to UniRush which is the parent company of Rush Card about the matter & they released the {$400.00} back to Rush Card on XXXX/XXXX/2016. I have called RushCard several times & each time they keep saying that the money was not sent back to them, however, I have the paperwork from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WI ). Each time I call, Rush Card tells me a different story. I was told that I would have my money by the end of the business day XXXX/XXXX/2016 & now I am being told they did not receive the money. I have bills to pay & for them to keep giving me the runaround is unacceptable. It 's like I am being punished for something that I did not have control over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Delta Management Associates, Inc.
State: MA

Complaint narrative:
I XXXX XXXX am being pressured by a number of collection agencies that state they have a right to an administrative garnishment against my wages. Administrative garnishments can only be procured by the United States Government, period. My student loans are privately owned, and these private debt collectors are disguising themselves as collectors of federal debts that are private only. I have been harassed at my work and home with threatening phone calls, all in violation of my rights with the Fair Debt Collection Practices Act. I demand to know what entities own my student loan debts. 
I DEMAND A CEASE & DESIST ON ALL COMMUNICATIONS OUTSIDE OF WRITTEN CORRESPONDENCE!!! 
I DEMAND A COMPLETE FORENSICS REVIEW ON THE CHAIN OF OWNERSHIP OF MY STUDENT LOANS!!! 
I DEMAND A FULL REVIEW OF EXISTING STUDENT LOANS FOR A CONSIDERATION OF CONSOLIDATION!!! 
There must be a court order on any private debt, which would require a summons and complaint and an actual judgment. That is the actual protocol with my student loan situation.

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 2017-02-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
When I called this business I requested a professional license number and some form of written validation of their legitimacy. I was told to search them on the internet. They even refused to give me their street address. They claim that due to privacy laws they can not disclose any information about their business unless I provided my address and date of birth. I do not feel comfortable with this. Also, when I refused to give out my personal information I was told these are time sensitive matters and I will only be delaying the issue at hand. This felt like a threat.

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 2015-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: NRA Group, LLC
State: NC

Complaint narrative:
This was included in my bankruptcy that was discharge XXXX 2013. I have called them and my lawyer has sent them numerous letters to remove this from my credit report because I do not owe it. They keep trying to collect and now it is still on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade, a very discount broker ( think - " you get what you pay for '' ) allowed my account to be hacked while I was traveling abroad, likely as a result of the data breach that occurred at Scottrade years ago. 

In short, Scottrade refused to act professionally to resolve the situation and avoided my calls, letters, and email on numerous occasions, essentially burying the matter. This caused me to write to the CFPB, requesting that Scottrade provide me with a link to their dispute resolution procedures. Scottrade refused to provide me with instructions on how to file a formal complaint. 

I am writing this complaint in hopes that Scottrade will properly respond to my previous request and amend their procedures so future customers do not get harmed.

Company response to consumer: Closed
Consumer complaint received 2015-10-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Debt collector from National Credit Adjusters is repeatedly calling my job, family, and friends. They are immediately asking me to verify my social security number and becoming frustrated when I do n't, and when I want to know who they are. The only identify themselves as National Credit Adjusters, and are unwilling to give any other information for what they want unless I verify my identity with sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP
State: FL

Complaint narrative:
My previous company was supposed to pay my XXXX from an incident I had at work. They paid most of the bills but forgot to pay XXXX and now they are comming after me when they where put into collection without me even knowing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: BlueChip Financial
State: CA

Complaint narrative:
have tried to settle with them and they wont except what I can afford so the threaten to take legal action and keep calling when I asked them to stop. when I did get a nicer person then someone jumped in on the line and yelled at me about the debt and told me that they will take legal action yet they wont work with what I can pay to resolve this

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Brennan & Clark, Ltd., LLC
State: VA

Complaint narrative:
We are a business and receive calls form XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. He has an address for our business that is 10 years old. I asked him to provide documentation for the debt and he said they do not do that and he will file suite if I did not pay immediately and that it would be a criminal case. These people need to be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services
State: CA

Complaint narrative:
ACS education company cheates me and put my federal student loan in default under 270 days. They sent me to XXXX their collection agency and I had to make 12 consistent payment to bring it back to active. After I made 12 monthly consistent payment. They sold me back to ACS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
My home suffered damage in a recent flood. The insurance adjuster came out and filed a report on the damage. Checks were issued, but the bank that holds the mortgage, Penny Mac, was also listed on the checks so we had to send the checks in to Penny Mac for endorsement before we could access the money. We sent in all information that was requested by Penny Mac, but the money was not released. When we called to find out what the problem was, we were told that because the loss department had changed locations, our documents could n't be found so we would have to resend in the information. We were also told that there was another form that needed to be completed ( it was not in the original packet ) and would be faxed out to us since they could not email it. It would take 3 days for an approval on the fax. The fax never came. There was no record of the fax even being sent out and our money is still sitting in Penny Mac 's hands with no work being able to be done on the house. When asked to email information initially we were told that this could not be done, but after requesting a supervisor, we were told that it would be done. At this moment, we are still waiting for our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
The mortgage lender, Pennymac Loan Services LLC, has not properly credited my account for my last payment and the company continues to send my mortgage statements very late. I sent a payment XX/XX/XXXX. The check cleared XX/XX/XXXX. It is now XXXX XXXX, 2015 and I have yet to receive a mortgage statement. Instead of receiving a complete mortgage statement that shows when and how my money was applied to my mortgage balance, I received a letter from the lender stating that the payment was received but that it does not bring my mortgage up to date. 
I am aware that I am behind on my payments, but that does not exclude me from having the right to receive a monthly mortgage statement, on time and to know how my money has been credited to my mortgage account. Pennymac has repeatedly sent monthly statements extremely late. For example, I made a payment in XXXX 2015 that was applied on XXXX XXXX, 2015 and yet I did not receive a statement detailing the activity in the month of XXXX 2015 or XXXX 2015 until XXXX XXXX, 2015. According to the new regulations, mortgage companies are required to provide consumers with a monthly statement of the upcoming month due date no later than the end of the grace period of the previous month. With Pennymac this means that I am supposed to receive my statement for the money due XXXX XXXX, 2015 no later than XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I have not received a mortgage statement. Instead of receiving a detailed mortgage statement, Pennymac sent a letter stating that my money has been received and that I still owe money to become current on my mortgage. The letter that I received last week does not meet the requirements of an itemized statement. My electric company, my gas company, and my telephone company have no problem sending a statement by the end of their billing cycle on a regular date, every month. I do n't understand how Pennymac can not manage the simple task of mailing me a statement on time. 
A way that Pennymac covers up how late they sent statement is that the envelopes in which the statements are sent are not postmarked. They have prepaid envelopes that are very difficult to track with the post office. I have often received statements 10 calendar days after the date written on the statement. The only envelopes that have dates are envelopes with notices to foreclose. For this reason, I will be filing a complaint every single month that I do n't receive my statement for the next month by the XXXX of the current month. I want a written record of the predatory measures this company practices in order to drive their customers to foreclosure. 
Pennymac 's goal is to push me to fall behind on my payments, beyond the 120 day limit, so that they can sue for foreclosure and make a XXXX year old, XXXX, retired woman become a homeless woman. I will not allow this company to make me another of their victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On XXXX XXXX, the Midwest Recovery Systems company in XXXX XXXX, MO placed a collection on my credit report stating that I owe {$480.00} from XXXX XXXX. This company called me twice and when I asked for documentation about the collection, they decided to place this collection on my credit report without further notification.

Company response to consumer: Closed
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: VALLEY NATIONAL BANCORP
State: CA

Complaint narrative:
Valley National Bank informed me that the interest only period would end XX/XX/XXXX. 
Payment to go from XXXX to XXXX ( or there abouts ). I sought their help in reaching a modification agreement and submitted their application along with all the income required documents. XXXX XXXX XXXX communicated with me several times via email with additional requests or to communicate questions. On XX/XX/XXXX, I received a denial of modification with a one line statement as to the reason : Sufficient income ... 
Using the same established means of communication, I requested a more elaborate explanation as to how they came to that conclusion. My emails went unanswered. On XXXX, I used your template to request information. I explained again, that I need a more elaborate explanation in order to have a chance at an appeal. As of today, nothing has been received. Further the above servicer will only tell me that the loan owner is a trustee with XXXX XXXX. I also asked that they provide proof of communication with that trustee owner. Please intercede. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
AFNI, INC. Is Reporting under XXXX Bureaus and have not verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
In late XXXX of 2016 I was asked by a professional contact to co-sign a car loan with him. I spoke to the salesperson who explained that I would be the co-signer, that I could remove myself from the loan at any time and that I was not responsible for any payments. I agreed to help my friend and the loan papers were drawn up. The salesperson met me at a XXXX 's to sign the paperwork. I am listed as the lead signer on the paperwork. This " friend '' has only made XXXX full payments, the rest have been made by me. He is hiding from me ( blocked calls/Facebook access ) and the finance company, has moved both work and home locations. I believe there was intent to deceive me from the beginning of this transaction and I also have come to recognize that there were errors made that should have invalidated this loan. First : I am not on the title to the car. The dealership does not show me as being a rightful owner of this asset, yet I 'm the only XXXX making payments. Second : The address that is listed under my name does not match my address. It was the original address of the co-signer, but even he does n't live there. Third : The salesperson did not go over any terms of the loan with me, did not tell me how to make payments, and in having the improper address I did n't find out about payment dates, etc. until the second payment was late and I received a call from the finance company. 
I am now making payments on an asset that I have no rights to collect, and am doing so on a loan that is fraudulent. 

I have attached a copy of the title received from the finance company ; an electronic version of the statement showing an improper address for me ( notice my name, NOT his ) ; and some proof of payments ; I may have missed a payment proof but would be able to get that from my bank account.

Company response to consumer: Closed
Consumer complaint received 2016-05-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: COMMERCE BANK
State: MO

Complaint narrative:
I recieved a check for {$550.00} dollars that was post dated XX/XX/2016. I deposited the check into a personal bank account on XX/XX/2016 with my bank, Commerce Bank . Funds were not available for the check when it was processed on XX/XX/2016. Commerce Bank proceeded to charge me {$10.00} for a returned check AND did not re-run the check. My account was never overdrawn and I was told that the check would be sent back to the originator by a Commerce employee on XX/XX/2016. It is improper for a bank to process a post dated check before the date on the check, charge an account holder for essentially doing nothing except mailing the check back to the originator, not re-posting the check on or after the date it was deposited and not communicating to me that the check would not be re-posted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns collection efforts and the communication tactics are ridiculous and disturbing while at work. I have previously complained regarding the amount of calls received on day and their response is are not able to remove the automated calls that go out. 

Conns calls me on my company cell phone at least XXXX times a day. Sometimes the calls are back to back within XXXX time frame even after leaving messages on cell phone. I have told them I am getting calls while at work and its interfering with work. I understand they are trying to collect and it is my responsibility to pay which we do pay even if late but the collections tactics on repeated calls is bad. Our car loan lien holder never makes these amount of calls on a day on a way much more higher loan amount then what we have with them.

Company response to consumer: Closed with non-monetary relief