vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime
State: AL

Complaint narrative:
XXXX 2013 I purchased a vehicle from Drive Time in XXXX, Al & the sales manager insisted I had to purchase a 5 year warranty at {$2800.00} to be financed at the 22 % interest rate on top of car price. I was also told that if I made payments on time & showed perfect pay history after a period of time like a year that DT Credit would re-fi this loan at a lower interest rate. After 18 months of perfect pay history I called & I was told this was a LIE!!!!. ALso I was informed it is illegal to make warranty mandatory. It should be presented as optional. Now I have finally found better finance at 7 % interest & asked DT Credit /Finance for payoff MINUS the amount of pro-rated warranty. DTCredit has a company called XXXX admin the warranty. I faxed them the paperwork for canceling the warranty & they informed me {$1800.00} would be credited to loan. BUT THE PROBLEM IS THEY ( DT CREDIT, LLC ) WILL NOT DO THIS TILL XXXX XXXX. The amount this difference makes is perfect for my new finance co but not without the {$1800.00} deducted. AS of today I have no warranty But DT Credit refuses to subtract this from payoff for 3 weeks. THIS SHOULD BE ILLEGAL but at the very least poor customer service. After speaking with every clerk in the office who took turns calling themselves a supervisor I was hung up on & on hold an hour. I was told that they can not contact upper management nor transfer me to XXXX XXXX, the president, CFO, CEO. I can not get my new loan financed till they take off the {$1800.00} warranty that is now canceled as of XXXX XXXX WHY should I wait till XXXX XXXX to get the actual payoff & HAVE to make XXXX MORE PAYMENT to DTCredit. THIS SHOULD BE ILLEGAL

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP
State: NY

Complaint narrative:
I received XXXX calls from Capitol Management in XXXX Ny all within a 3 week period asking for XXXX different debtors who have absolutely no relation to me. When my husband called them back after the XXXX call he was told that my number appeared on XXXX different accounts there all in the same department & that was not an unusual thing to happen. I let it go, thinking that might be true until my XXXX year old daughter received a call on her cell phone ( under my name ) asking for another different name. I then decided to call myself and was told that her number and my number would be removed. The man stated that he could not tell me how my number or my daughters number got on all of those accounts but clearly one of there employees intentionally placed the numbers there to harass me. It was completely swept under the rug to cover up there illegal practices. I was told that I would need to call back and talk to there compliance department. If adding peoples number to an account to harass someone you just do n't like is a common practice for them then they should be out of business. I will be filing an attorney general complaint

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2016-03-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: TX

Complaint narrative:
In XXXX of 2015 I purchased a car from Drivetime in XXXX. I was given temporary plates and was told that my permanent plates would be mailed to me. The expiration date on the plates was approaching so I called. " They are on their way. '' I called everyday for 2 weeks. Nothing. My son went to the store for me and was pulled over, 1 day after the temps expired. He was ticketed. I went to the Drivetime store and spoke to XXXX, the GM. He stated, " I am so sorry. Your car 's file was placed in a drawer with some others and the paperwork for registration was never sent out. '' He then proceeded to ask for the ticket and my insurance information. He stated, " I will make sure this is taken care of before the court date. It was our fault. This is our responsibility. '' I was given another temporary plate and when I asked for the original ticket, he said he needed it for payment. 
Through XX/XX/XXXX I have been calling, and following up. It escalated to Customer Relations where I was speaking to XXXX. Per XXXX only part of the initial ticket would be paid even though XXXX said it would all be taken care of. And then when I called again, I was told by another rep that XXXX would no longer be taking calls from my on this matter. It was considered closed. 
We have not received any letter from the courts so we thought the matter was indeed taken care of. My son, who is now XXXX, is swearing into the military this week. We find out that NOTHING has been paid and my son has WARRANTS!! When I call Drivetime, I speak to XXXX who has to " research '' this because it has been 6 months and then says, " If I were you I would get a lawyer. '' Then she follows it up that they will only pay a partial cost of the fines as XXXX initially stated. 
I 'm sorry but after almost a year of fighting with this company, not even including the mechanical issues I have had with the car is just to much! If they had done their job filing the paperwork there would never have been a traffic stop to begin with.

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 2017-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them? 

I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt. 
I would like to see : Copies of any signed documentation obligating me to pay this alleged debt. 
The name, address, and phone # of the original creditor, since you are a third party collection agency. 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I previously filed a complaint against PennyMac Mortgage ( Case number : XXXX ) that was never resolved by the cfpb. The complaint then and now, is that the lender is taking advantage of consumers who enroll in the PennyMac Autopay Biweekly payment program and unfairly NOT reducing the principle balance of mortgages when the biweekly payment is received. The attached payment history clearly shows that biweekly payments are received, but the principle balance is not reduced at all until the end of the month. Meaning that consumers are unfairly paying interest on the incorrect 'higher ' principle balance for those couple weeks each month. PennyMac continues to refuse to apply the principle portion of the biweekly payments to the principle balance when it is actually received. The whole reason for enrolling in the biweekly payment program is to pay off the mortgage early and reduce interest payments over the life of the loan. This practice of NOT applying the principle portion of the bi-weekly payment 'as soon as it 's received ' and waiting until the end of the month, is unfair predatory deceiving and not understood by most consumers. The impact of this practice over the life of a 30 year mortgage is substantial and to the benefit of the lender not the consumer. While PennyMac may have disclosed this practice in fine print somewhere, most if not all consumers do not understand the negative impacts of this practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Leviton Law Firm, Ltd.
State: IL

Complaint narrative:
I have never heard of this XXXX XXXX XXXX place before. All of my medical bills have been paid by insurance or workmman 's compensation for the last 10 years or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: TN

Complaint narrative:
My family had outgrown our Honda and due to the lack of credit, went to Drive Time to purchase a crossover vehicle. While we were thrilled with the high interest rate or 5 year terms, we were told that it would be reported to the credit bureau and that was an ultimate plus in our book. Less than a year after getting the vehicle, I had a XXXX issue and work was not an option. I was forced to apply for XXXX. I applied for a loan to consolidate a few bills and make a smaller more reasonable payment than the {$440.00} I was currently paying and found out that Drive Time had never reported anything until I was late. There were no positive markings from them at all. I ended up defaulting on the loan. I contacted Drive Time made a promise to make good on my loan as soon as I received my XXXX. They informed me if they saw it ... they would take it. 
Moving forward ... I received my XXXX and kept my promise with Drive Time, I paid over {$2500.00} and continued making my payments. They were reporting my payments up until XXXX of 2014 and stopped. The amount was written off as bad debt and my credit score dropped by XXXX points. When I inquired about it, they said they would fix it ... it took over 3 months and instead of fixing it, they put {$1800.00} on my report as a new loan. You would think this would be an easy fix. I kept my promise and did the responsible thing ... the average person would n't have paid off a vehicle that is in default and costs more than its value. Being a woman XXXX XXXX, I feel you get what you put in the world and so I did what I felt was the right thing. It bothers me that Drive Time hasnt. As a XXXX person, I should n't have to make numerous calls, get a run around and no results. As of recently I owe {$550.00}. In XXXX I was offered a pay off of a little over {$800.00} ... which I did n't have. So this month I was told {$400.00} was the best that they could do. I just feel like I 'm being hustled and drug along until the very end of my financial commitment to Drive Time. Yesterday I requested my payment history to show credits I 've received for referrals, late fees etc, so I could dispute with the credit agencies and get it fixed ... was promised it yesterday ... I still have nothing. 

I will forever be thankful for the blessings and Drive Time 's patience ... but the things I 've endured the last few years has made it hard to speak great about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: OH

Complaint narrative:
I took out a {$700.00} loan with SpotLoan. The interest being charged is much higher than I expected. I had not idea that the interest charges would be as high as they were. It is exuberiant as to the fees they are charging. I belive this is an illegal tribal company and I do not wish to be a part of this. I also ca n't find where I was provided a copy of the loan and do n't see an option to view this in my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: IN

Complaint narrative:
I added money on XXXX/XXXX/15 and the money is still not available. When I call customer service it says my card has not been activated when in fact it has. I still do not have my money an its XXXX/XXXX/15 and NO ONE ANSWERS CUSTOMER SERVICE #

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MO

Complaint narrative:
A deposit was made to my new RushCard by a friend. When I tried to access the funds I could not. Then I heard about the problems RushCard was having so waited several weeks. She made another deposit to my card. I still could not get the money off. Then, the original deposit amount disappeared. While attempting to deal with RushCard on that matter, the second deposit was transfered to another card by Customer Service. I emailed customer service just to be told I needed to call. I have called, been on hold for over XXXX hour just to be told they could not help me. To email. I have mailed, emailed and called. Everyone says to contact the other ( mail said nothing, email says call, call says email. See attached documents. Final straw today. See # XXXX attached. Thanks for any help you can give me!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.

Company response to consumer: Closed
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Blackwater Capital Group LLC.
State: LA

Complaint narrative:
I received a call from my step mother saying that a gentleman called here stating legal action would be taken if I did n't contact their office. Once I called he was telling me that I could get sued for a {$200.00} debt and legal action for a returned check. XX/XX/XXXX i got a small online payday loan and then the next day I received a XXXX one that I never asked for. The company would n't take the money back and repeatedly charged my account fee 's my bank recommend closing that account which I did I tried to dispute through the bank but I was n't able to. I was finally able to pay the bank XX/XX/XXXX for all the fee 's they charged somewhere around {$140.00} and that 's just what was overdrawn. It has been almost 7 years and this is the first time I have heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
I too have had rushcard, my deposit came late. Although it told me it was ok to use, it got declined every other transaction, I have no access to my online account, it says I have to call. I called several times, and a few times it hung up, other times I waited on hold the longest I waited was almost 3 hours. I had a transaction I needed to dispute and can not because I ca n't get through. This company is unprofessional, and does not keep the best interest of the customers in mind ... .I have lost having to deal with this inconvenience.

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

Complaint narrative:
For two weeks I have no access to my account They have removed my active card and put an expired card on file so I have no access to my funds. Plus I had {$330.00} in my account they removed it and my balance was {$0.00} the next day it went to {$32.00} then to {$12.00} now it 's is back to {$32.00} my {$300.00} is still missing and my direct deposit was sent today I have the money in the account and no way to use it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SQUARETWO FINANCIAL CORPORATION
State: CA

Complaint narrative:
CACH LLC is still reporting negativity on my credit reports. I 've disputed it with all bureaus but the bureaus verified it as a valid account. The account was paid as a paid for delete ... the company agreed to remove the account from my file when we paid it ... I need them to adhere to the agreement as it is damaging my credit. Plus insurance was supposed to pay for the claim so I 'm being dinged multiple times ... please remove it from my file ...

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 non-monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: H. Kent Hollins, Attorney at Law, P.A
State: IA

Complaint narrative:
I have been garnished for a bill for {$290.00}. I never received any papers. Then after {$290.00} was paid now another that I know nothing about for {$500.00}. Out of my check was {$31.00} and {$100.00}. I 'm a XXXX and work a part time job supporting a child and I was never informed about these garnishments. Had to get information from job.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: SC

Complaint narrative:
Since XXXX XXXX I have been on phone with rush card. They told me they needed a merchant release form, then they told me it would take 1-3 hours. Then they told me 24-48 hours, then they told me 7 days now 10 days. Today is the XXXX day. XXXX XXXX and they have not released a pending transaction. This was money deducted from my available balance. My own money. XXXX on a pending transaction. I have been a customer with them since 2008, my direct deposit is linked to this card and now they will not talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
It was about XXXX prepaid debit card .I was so frustrated and XXXX off at the same time. It has been since XXXX wk and XXXX day. XXXX XXXX who owns XXXX debit card informed us that computer system glitch and transition failure and apologized for messed up upgrade system. Where is my {$500.00} that suppose to deposit into my XXXX card fund last Friday? I found out that my money is gone. I supppose to moved out another XXXX XXXX security deposit {$250.00}, storage, and XXXX. No money at all at my debit card. You can find on website of XXXX XXXX and will tell you what happened. There are XXXX customers file an compliant or griveance against him.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-20 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
Last month due to the inability to access my account through rush card for almost three weeks i occurred numerous late fees and penalties through my creditors. I have submitted XXXX bill for review through the upload and i will attach it to this as well showing that on the water bill i had a XXXX late fee/reconnect fee because my service was disconnected for non payment. Me and my kids ages XXXX and XXXX went 5 days with no running water in our home as a result to your company 's mishap. No to mention my landlord charge me a addition XXXX on the rent due to late fees that where accumulated. As far as rent goes I tried to pay my rent to my landlord and even he and I contact Unirush together and spoke to a lady from the XXXX and all she could do was tell me that there is a issue she cant pull up anything and hung up we called back three time following and each time they told us to hold and transferred us to the disputes department who does even handle that. My car note charge me an additional XXXX dollars for being late on my note they threaten repo and not only that my reputation with them is shot because i could n't give them a time frame on when my note could be paid. Unirush messed up so many people lively hood. While XXXX XXXX was at home eating with his family i had no money to pay for groceries for my kids due to his company had my money lock up. We ate noodles. I work daily and barely make it from pay check to paycheck now and then you hold my money causing me extra strife I do n't think its fair and i think you need to step up and cover the damages your company caused. At this point there may not be a XXXX cause i have to pay all this extra in late fees this outage was crippling to my family.

Company response to consumer: Closed with monetary relief