vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ACCELERATED COLLECTION SERVICE, INC
State: WA

Complaint narrative:
My boyfriend was admitted to XXXX XXXX hospital in XXXX of XXXX, they never sent us a bill then billed all of his services as out of network. We asked for this to be corrected and they assured us that the situation would be resolved. Today they have NEVER sent us a bill only print out with a list of the charges and a statement showing that this is not a bill. They then turned the account over to a collection agency Accelerated Collections. We again repeatedly asked for a bill as we had never received XXXX and were told that XXXX had been sent. We supplied them with what was sent to us clearly showing that the it read this is not a bill. When we initially asked for a payment arraignments they said no. In XXXX of XXXX they finally agreed to a payment arraignment. They had also added my name to his account even though him and I are not married and they were told this several times. They also have no reported this on to my credit report and a joint debit that was never mine to begin with. They also refuse to present a settlement offer to the original debit holder for approval.

Company response to consumer: Closed
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WY

Complaint narrative:
My husband and I have submitted two prior complaints regarding our Deed in Lieu with PennyMac. We started the deed in Lieu process on XXXX XXXX, XXXX. We were assured after the first complaint that the process would be completed by end of XXXX XXXX, we then were told after the second complaint it would be completed by end of XXXX XXXX, we are now at the end of XXXX XXXX, and even though the deed in lieu was recorded with the county on XXXX XXXX, XXXX, our case has still not been closed. We are still waiting, and have yet to have a satisfactory resolution from PennyMac regarding our Deed in Lieu.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Midwest Recovery Systems
State: NC

Complaint narrative:
I 'm not even sure the original company that issued the payday loan. Which every company it is, it has been well over 5 years ago when I discovered that these payday loans were issued illegally in the state of NC. A few days ago I received a notification on my credit report that I owed MIDWEST RECOVERY SYSTEM. After researching them, it shows that they are trying to collect on a payday loan. I used the XXXX complaint system to have them remove this account from my credit report as their contract was illegally issued in the state of NC. XXXX however only updated the account saying it was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Violation of the California Homeowner Bills of Rights : PennyMac violated automatic stay rule while modification in process ( Notice of default XXXX/XXXX/15 ) Notice of Sale ( XXXX/XXXX/15 ) for an auction date of XXXX/XXXX/15. During this time period, my loan was under modification review and I was told that the foreclosure was suspended. After being rejected, I submitted the paperwork for a second review within the 30 day time period. I never received status on the results of the review. I was told by one PennyMac individual it usually takes a " long time '' and then by another individual that I need to " re-submit an entire new modification package ''. 

Not assigned XXXX person throughout process ( talked with XXXX people and received different status and direction from each ) they said they were part of a team however all were unfamiliar with my loan status or able to give me proper direction. 

No access to decision makers ( and their Supervisor ) only through voice mail in which the messages were never returned. Furthermore, I never received status of XXXX-look. representatives from PennyMac were never able to reach the decision makers because they were always in " meetings '', " on the phone '' or " unavailable ''. 

Delay of entering documentation into system : The documentation would be sent through a fax cover sheet provided. They would say that it takes 48 to 72 hours to receive into the system. In the meantime, it is eating away at the 90 day time period because of the delay. I was required to proactively call as all documentation would not move to the next person unless you contacted them. 
Knowledge of California State law : When I received the Notice of Default, they were unable to discuss the time-line with me because they were " not familiar with California Law ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: DriveTime
State: OH

Complaint narrative:
I filed bankruptcy in 2014. I reaffirmed my auto loan with DriveTime or DT Credit. When the bankruptcy was in process, DT Credit removed everything from my credit report pertaining to this loan. Once the bankruptcy was closed DT Credit will not report to any credit companies and the loan is nowhere on my credit reports. I have tried to traded my vehicle in and have been unable to because its like that loan does not exist.

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 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP
State: NY

Complaint narrative:
XXXX ( Capital Mgmt ) keep calling for my mother. XXXX particular call I pretended to be her to get to the bottom of these calls. The person they are looking for is NOT her. The individual I spoke with gave an address that is no where near our home and D.O.B. that was nearly XXXX years younger than my mother to which I responded I was in my XXXX. He then asked for the last XXXX digits of the SS number and I responded the first number is XXXX and that is all I am saying. He responds you certainly are not the person we are looking for and this person is much younger and that digit is not in the SS, and he would remove phone number from list. The calls began again almost two weeks ago. This is ridiculous and outright harassment, and wish to file a complaint on behalf of my mother. Thank you in advance for your assistance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: BlueChip Financial
State: IL

Complaint narrative:
SPOTLOAN HIRED XXXX TO CALL US AT WORK, CELL, FAMILY MEMBERS, ( ATTACHED FIND LIST OF PHONES CALLED ), IN VIOLATION OF TDCPA, TCPA.

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 2016-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services
State: CA

Complaint narrative:
I have had student loans for approximately ten years with ACS as the loan servicer. I have had multiple issues with this company. They took my original loan amount and split it into XXXX loans. Now my credit report gets double affected when I have issues with their company. The customer service people do not speak XXXX well therefore, every call is around 1 hour long. They have to put me on hold for every question I have so they can discuss the issue with their manager. As soon as I was notified of my forbearance ending, I mailed in an IBR application on XXXX/XXXX/XXXX. I received no response as of XXXX XXXX. I called to see why no response and they stated that I had n't sent in the required documents. I had sent in my XXXX tax returns with the application. They stated that I needed to send in my XXXX tax returns. This unnecessary delay caused my IBR application to be approved on XXXX XXXX, XXXX while my forbearance had ended XXXX XXXX, XXXX. The month of XXXX has been billed at the original amount of {$380.00} and {$400.00}, too large for me to pay. I am able to pay the amounts approved of {$93.00} and {$100.00} but ACS is expecting me to pay the XXXX payment of {$780.00} ( XXXX loans which were originally XXXX ) before I can pay on the lower, more affordable amounts. ACS has done this multiple times over the years : horrible customer service, lack of responses to my applications until I call in, they have lost multiple forms I sent in over the years and now my credit has suffered tremendously due to this company I do not want to do business with. My student loans were at {$50000.00} 7 years ago, now they are at more than {$85000.00}. How can I get help with this account and have the IBR amount effective as of XXXX XXXX, XXXX so I can afford these payments? Also, how can I get XXXX single account instead of XXXX? I would like to refinance with another servicer as soon as possible. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP
State: MD

Complaint narrative:
The debt collector called my employer stating that I owed a debt and they were trying to reach me. The last time, they were told not to contact me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
Today, XX/XX/XXXX, I received an alert regarding my credit reports ; therefore, I login to see a new collection account from the creditor. I 've never had a payday Looan with original creditor nor have I been contacted by the creditor. My credit toke a 20 to 26 point hit over something I 've never owed. I research company and noticed many other consumers stating they received hits on their reports this month as well unexpectedly. This should be illegal. I 'm just asking for relief. Repairing my credit after a bad marriage has been hard enough and to have this happen makes it feel useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
My loan was sold to PennyMac for servicing in XXXX 2015. Following the sale, my homeowners and flood insurance payments were due on XXXX XXXX. The insurance payments were not paid timely. I received a phone call from the insurance company notifying me on the due date that if I did n't make payment by midnight for my homeowners policy, it would expire. I had to pay it on my credit card in order to be assured that I would be covered. A week later I called to see if the homeowners had been paid so that I could be refunded for the payment I had to make to keep my coverage. At that time, Pennymac casually informed me that my flood insurance payment had not been made either because they did n't get an invoice. If I had n't called, I would have not known that I was not covered. I again had to come out of pocket to pay the flood insurance in order to ensure coverage. Pennymac says they have made payment to my insurance company for the homeowners premium ; however, the insurance company has not received the payment and I have not been reimbursed. The flood insurance has yet to be paid and I can not get an answer from anyone at Pennymac on the status. I have had to spend an incredible amount of time trying to get this resolved to no avail. I have been put on hold, transferred, treated with disrespect and can get no answers on this matter from Pennymac. I feel as though they have been withholding my money but not remitting it for the purpose intended. This does not seem legal. They have a fiduciary duty to use the funds withheld for the purposes intended. I have had to overextend my budget in order to insure coverage. I have no confidence that my taxes will be paid timely or assurance that I wo n't be faced with this issue again next year. I would appreciate any help in getting this matter resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Outsourcing, Inc.
State: OH

Complaint narrative:
I mailed this company a certified mail via US mail in an attempt to have the company validate the debt. The letter was returned to me via us mail because the address that is listed on my credit report is invalid. By law this ca n't be reported on my credit file especially since the debt is unable to validated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 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 already have a complaint with CFPB under XXXX # XXXX. If you google the company XXXX there are reports of scams matching this company and they have provided no source of the company they claim that they are collecting for, if you look them up in the better business bureau there are over XXXX complaints of this being a fradulent company. Now they are reporting on my credit under another name demanding that I pay something that is not even mine. Now they are going under this information for the same information saying that I owe a payday loan from XX/XX/XXXX 

XXXX # : XXXX Current Creditor : XXXX - XXXX Original Creditor : XXXX Account # : XXXX Account Balance : {$760.00} XXXX XXXX XXXX, XXXX. 
XXXX XXXX, MO XXXX Toll-Free # : XXXX Fax # : XXXX Website : XXXX My information is being passed along repeatedly to DIFFERENT companies buying my old information and saying that I owe a debt that I never took out, it is getting ridiculous that now it is on my credit report displaying the name XXXX XXXX and also that the debt was opened on XX/XX/XXXX. I am totally being scammed, I want this off of my XXXX, XXXX, and XXXX report IMMEDIATELY because I am being scammed, none of these companies can provide debt validation so I can investigate this properly to the authorities. No company would decide to go on trying to collect a debt that is supposed to be from XX/XX/XXXX and it is almost XX/XX/XXXX. That is how I know this is FAKE! If I took out a loan that should be able to provide documents, electronic signatures if it was done on line and also provide the XXXX address of the computer it came from, they put it on my credit report before even notifying me, total scammers. Please rectify this issue IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
Rush card has not been posting my deposits the past XXXX pay periods, so this has been going on for a month. I received my last deposit 2 days late. I live paycheck to paycheck, and have been forced to borrow money to be able to get back and forth to work. I am getting late fees due to not making payments as planned. I plan my bills with my pay dates. Something must be done, I am reading all over the internet that many people are having the same problems. I ca n't access my online banking, nor can I get thru to the bank. I have held over XXXX hours to be disconnected. Very frustrated and it seems they are not fixing the problems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
I ca n't bring up any of my account money or Rush Goals have my money. I 'm waiting on {$200.00} to be released. Rushcard has been horrible with fixing this information

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
I am a victim of the RushCard upgrade fiasco. My pay showed up finally on XX/XX/XXXX. I was not able to use my card, but the bill pay system appeared to work. Bill pay has always been quick in the past, so I used my entire balance to pay some credit cards and utility bills. 5 days later, those payments are still in " scheduled '' status, even though the money was withdrawn. Calls and emails to RushCard about this issue have not been returned. If they are n't going to issue the bill payments, then refund my {$1300.00} and let me withdraw that so I can close my account and go elsewhere. This is infuritating!! I 've been a customer for 7 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NRA Group, LLC
State: MD

Complaint narrative:
Called XXXX medical center to make payment arrangements on a bill that I owed. Payments were set at {$25.00} a mnth. The last payment I paid was XXXX/XXXX/15. I got a letter in the mail on XXXX/XXXX/15 from National recovery agency stating that my account was forwarded to this office for collections. I got no notice of this and could n't understand why I was sent to collections when I pay on my bill. I owe XXXX on my bill and they want to divide it up into 3mnths. and also charge me XXXX fee. I told them I could make the {$25.00} payment but they cant accept that. Plus I 'm not paying a fee. XXXX should pay the fee since they sent my account there for no apparent reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: AK

Complaint narrative:
I deposited money in Rush card. Made one purchase and then my account went to zero and I ca n't get ahold of anyone at customer service that can do anything about it. They continue to say they will be correcting the problem but it 's been 11days and my money and access to it are still denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SQUARETWO FINANCIAL CORPORATION
State: OR

Complaint narrative:
I paid my debt owed to Cach LLC XX/XX/2012 and recently received a letter from the XXXX county circuit court notifying me that they were attempting to garnish my wages. I called the attorneys office that was representing Cach LLC to explain that the debt was paid over 4 years ago and had all my documentation including the original debt collection letter with the settlement offer and a copy of my bank statement and cleared check from the company that indicated the debt had been paid. The attorneys office acknowledged that they could see the payment had been made, therefore Cach LLC was fully aware that I had made the payment that fulfilled the settlement offer and was trying to recollect on a satisfied debt. When I called Cach LLC today they told me it was n't their fault and they would take no action to correct my account, although the attorneys office that the garnishment was through agreed that the balance was paid in full in 2012 and is sending me a letter that represents a XXXX balance. My complaint is that Cach LLC owns my debt and I am trying to prove I paid a debt in full 4 years ago and what is going to stop them from coming after me again in another 4 years? This company contracted the debt collector that I paid my original balance to 4 years ago and cach LLC says that they assume no responsibility for the debt not being taken off my credit. This is completely unacceptable because if I had not kept all my original documentation I would have likely had no choice but to pay this debt twice. Also the current attorney admitted that they saw documentation that my settlement amount was paid in 2012 therefore Cach LLC was fully aware that I made the payment and were trying to charge me twice, this is illegal and fraudulent and they are taking advantage of me. They sent a wage garnishment to an employer therefore defacing my character because I in fact do not owe this debt. I do not want this company to get away with charging people twice for debts paid in the past and I strongly believe I am not the first or only person that they have done this to. Please look into this company because this is infirurating for me and I can not let this get brushed under the rug. My debt was paid and this company knowingly tried to take advantage of me 4 years later.

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 monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
i made a payment 4 days before my car payment due date and rushcard has not sent my funds. I called to see whats going on and they stated no one can make online payment. I have more then enough funds and i asked to talk to a manager i was put on hold for XXXX min.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade : I am writing to request clarification on the recent data breach. I opened a custodial account with my son in 2012. This account remained open. Could you please clarify if my account was part of the data breach and if so, what unencrypted information was released.

Company response to consumer: Closed