vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Dear Sir/Madam, I am follow up on the ongoing problems caused by poor customer service of Scottrade Bank and their affiliates. 

In order to warn current and future customers of the poor customer service and illicit actions of Scottrade Bank, I have requested the CFPB public this description on consumerfinance.gov so that others can learn from my experience. 

Preliminarily, after being a victim of the data breach disclosed by Scottrade Bank XXXX I was consequently the victim of identity theft that caused a hacker to gain access to my Scottrade Bank account. The hacker then used the leaked information to conduct fraudulent transfers. 

Upon notifying Scottrade Bank of the fraudulent transfers I heard silence. Indeed, to this day Scottrade Bank will not provide me will all of the evidence they are required to disclose under Regulation E. 

I followed up with Scottrade Bank, citing the Regulation E clause, and Scottrade Bank responded by saying that I was " harassing [ Scottrade Bank XXXX '' and has refused to respond to my legitimate requests. 

I am writing this as fair warning to all customers of Scottrade Bank that in the event of a dispute it is likely that XXXX Bank will refuse to respond to your concerns. Indeed, you can review other nefarious actions of Scottrade XXXX. 

I am open to receiving a full response from Scottrade Bank that addresses the concerns and have repeatedly opened channels of communication with them, however, Scottrade Bank continues to refuse to respond to my questions.

Company response to consumer: Closed
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
I am having an issue with Rush Card debit every so often my card is being deducted from without my consent, when I call to have the issue cleared I 'm being put on hold for XXXX min without any resolve iv'e had enough please help.

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

Complaint narrative:
I have had rushcard since 2010 and I get my direct deposit everyother Tuesday by XXXX rushcard has n't posted my direct deposit and also are not showing the money I had on my card previous to my direct deposit. I have been trying to log on to the website for me than 24 hours with no avail and also have been trying to speak with a representative for for than 24 hours to be placed on hold for more than 2 hours each time when I get through to someone. I have bills to pay and children to feed and am getting no reason on why my money is n't available to me I was never informed of a system update or system change that they supposedly are doing this is unacceptable and I need to be compensated for late payments on the bills that I have to have paid. Very angry and frustrated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ), a company is required to verify a debt using documentation held within the businesses or their affiliates. 

I would like Scottrade Bank to provide verification of any debt that Scottrade Bank or their affiliates allege that I owe. 

According to the, Fair Debt Collection Practices Act ( FDCPA ), Scottrade Bank and their affiliates are required to provide this information promptly.

Company response to consumer: Closed
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC.
State: NY

Complaint narrative:
I checked my credit repot to see that Florida XXXX XXXX says I owed a debt for a emergency room visit XXXX/XXXX/14. I presented insurance at the time of the vist and was told my insurance would be billed. After contacting the insurance company they stated that Florida XXXX XXXX was not paid due to the fact that there information was not updated with the insurance company. I then called Florida XXXX XXXX billing and notified them why they were not paid. A few days later I was contacted by florida XXXX saying that they updated the insurance company and would be paid by them. I asked to remove the inaccurate information regarding that I owed the debt and they refused. I stated that I was not notified of this debt formally and I request proof of any certified mail stating I accepted mail stating that I was in debt and they said that they have nothing proving the fact. I have contacted them demand verfication of this debt and have not received a response. I have contacted the major credit reporting agencies and disuted the debt and still I am awaiting a response. 

Florida XXXX XXXX violted the FCRA and reported inaccurate debt information on my credit report and now refuse to remove it after numerous attempts at resolving this issue. 

Due to there inability to provide accurate information the insurance company I was subject to a negative credit review and unfairly refused services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
I have been a Rushcard member for over 10 years. Because of a " glitch in the system I can not access my account and can not get when the problem will be corrected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: IN

Complaint narrative:
I have a rushcard with direct deposit. I found out that they were having problems and sure enough my dd didnt come. I spoke with someone in customer service who told me he couldnt tell me when my money would be available. I began to stress to him that my electric and gas will be disconnected if I dont have my money. He responded by sayin sorry to hear that but there is nothing I can do about it. I then said so you just telling me me n my kids are going to be in the dark and he said guess its a possibility. HELP. I am callin my employers first thing but im afraid they wont change it right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services
State: FL

Complaint narrative:
I have a FFELP Consolidation loan that was originally serviced by XXXX ( I think- it could have had another servicer before that but neither Navient nor ACS will give me a complete accounting or chain of ownership of the loan ) and is now serviced by ACS Education . I have been current for many years, paying as much as I possibly can, and the principle balance has not even budged! At one point I went into forbearance when I lost my job in 2009 and then when I got a new job making much less money, I offered to pay them half of the monthly payment and they said NO, it 's all or nothing. Flash forward a year or so and I began again making the monthly payments. My loan balance BALLOONED from the time XXXX sold it to ACS. I believe there may have been a prepayment penalty that I am now funding because ACS wanted to buy the portfolio. They also arbitrarily apply my payments to principal and interest- the last time they applied any amount to principal was 4 months ago and there is no rhyme or reason why. I never received a repayment schedule from them which is in derogation of Part 682 of the CFR. They REFUSE to give me an accurate and complete accounting of the entire loan from start to finish or a copy of the Promissory Note and assignment documents despite my repeated attempts to collect the same from them. I stopped calling them a while ago because the answer is always no. I am now XXXX years old and ca n't qualify for a home mortgage because of this debt. They also wo n't remove the delinquencies from my credit report despite the fact that they are false. I pay lexington law to send them letters and they never respond. At this rate I will be paying this debt forever until I die and the principal balance will still be what it is today. This is unfair. Just like a mortgage lender they should have the obligation under the law to produce all of the records to show me why I owe DOUBLE the amount of my original loan!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP
State: OH

Complaint narrative:
XXXX XXXX, XXXX : Company called place of employment to inquire about debt owed. I returned phone call and asked to remove work number from their contact list. 
XX/XX/XXXX-XX/XX/XXXX : Company resumed calling employer, despite verbal confirmation that work number would be removed from contact list.

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 2016-03-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: IN

Complaint narrative:
DT received a insurance lease gap payment final date XXXX/XXXX/XXXX from XXXX due to accident XXXX/XXXX/XXXX Claim XXXX, after final payment was received I spoke with a gentleman at DT that advised all accounts were closed and removed from CBR which was confirmed once all XXXX CBR had DT closed, XX/XX/XXXX I received a letter advising of such Balance of {$1700.00} with a settlement request. I spoke with a female rep from DT ( XXXX ) XXXX that advised indeed what the gentleman advised was correct and account will be removed out of collections and no more correspondence would be received. Letter dated XXXX/XXXX/XXXX advises another attempt to collect ( XXXX letter a year- failed at due diligence and collection attempts ) Account Manager advised no there were no notations advising of what each rep advised but noted that I contacted. Transferred to a " manager '' advises that same. I advised her to pull the call and she advised she COULD NOT, I advised her what I was advised for going on 2 years and advised I would file a complaint to get this rectified since she was not gone to attempt to resolve my minor issue. 

I spoke to DT after filing the XXXX complaint on XX/XX/XXXX ; on XX/XX/XXXX and the customer rep who was not XXXX ( one who left message from Customer Resolution ) advised that XXXX was gone to inform me that I could settle while they review the calls for training purposes. I told the rep that their resolution was not acceptable as they had not even listen to said calls I mentioned above. 
I contacted DT XXXX back on XX/XX/XXXX and was advised the same thing, that they have not reviewed the calls yet and I could settle. I advised the rep who was not XXXX, that they should call me back after they reviewed the calls so they could finally resolve my issue besides trying to get me to settle on said balance that was supposedly " paid in full '' advised by XXXX of their reps. The XXXX rep advised that I had requested on XX/XX/XXXX to place a Cease and Desist on my account, this in fact was false and advised her to remove it because why would I request to place a C & D on my account when my issue has not been resolved. As well as advised her to review that call, because placing a C & D on someone 's account is not legal without their authorization and working with Charged Off Private Loans, it can lead to that account being placed with a Cease and Desist Law Firm.

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 2016-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC
State: CA

Complaint narrative:
Servicing rights to my mortgage were transferred before my first payment. There was no notice of transfer of servicing rights given to me by the original company ( XXXX XXXX ) or the new company ( CMC Funding Inc ). Neither company will give me further instructions in regards to making my first payment. The only reason I found out that CMC now has the servicing rights over my loan is that they were listed as the servicer on a transfer of ownership of my loan

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 2015-07-01 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
Nation Credit Adjustors has been constantly calling my place of employment for some time now about XXXX different debts that I have asked them not to contact my place of employment about. They are not harassing the people at my place of business and embarrassing me by telling my co-workers that i have this outstanding debt that i refuse to pay and are asking to be transfered to different departments. I 've also received a very disrespectful and inapproprate call from one of their reps when i called in about this rep in the past I was informed that they should not be calling me about these claims due to me speaking with a lawyer and all calls were to stop. They are still calling my job and being very rude. i keep asking them to stop and have had no luck. I am looking to file a some kind of suit against them in the very near future. I do know that I am responsible for the debt and cam nt pay at this time I 've explained this many times but they will not stop calling. The rep I spoke to today was XXXX who can be reached @ XXXX ext XXXX. He was very sarcastic in saying they have been calling for years and this year they 've called 9 times I told him i do not have the money to pay at this time and he said I guess we 'll keep calling your job until you pay us or we 'll be taking you to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I received a email from XXXX account services that a loan that I did not apply for was sold to National Credit Adjusters. This loan in question also shows on my credit report. I have asked for help from the CFPB as well as requested signed documents for an application for credit or anything that they have in order to press charges. As of this date, nothing. I did my research on this company and there is no way I would apply to a payday loan service with the tactics this company employs. Even worse than that they allowed my ssn # to be used without my written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
A rep named XXXX XXXX from National Credit Adjusters violated FDCPA subsection 806 harassment or abuse and subsection 808 unfair practices when he called my home phone, mobile phone and then my employer. I work from home and I was working, even our receptionist asked to take a message from him and he declined asking for my supervisor. Prior to him calling my job I did answer the home phone when XXXX XXXX would not tell me where he was calling from or why I asked him to then call back and leave a message. He refused to do that and proceeded to call all my other numbers. This message went to my CEO! I do n't even know whether this is a valid debt and now my CEO has been bothered by this company! 

I sought legal counsel and was told about the federal violation and so I called the company back to alert them that XXXX XXXX acted illegally on their behalf. I was transferred around and do not believe my complaint was taken seriously by them. I told them. I stated that I do not authorize them to contact my employer and any further contact is a violation of federal law ( fdcpa ). Also stated that there is no legal reason for them to use skip tracing tactics when they are aware of my true contact information. Any additional contact to any third party concerning this alleged debt is a violation of the fdcpa. I also just finished alerting the WI State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I see that this collection agency is reporting on my credit reports and I was unaware of what it was for. I called the company and was told that the debt was from an XXXX. I have no idea about this company I requested proof of debt I was sent something with a signature that is n't mine. I am a victim of identity theft. I also asked them to send me proof of their rights to collect the debt and the date that they took over the debt, their license number, and proof that they have the right to collect in my state. The only thing I 've received via mail is a contract that was n't my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 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: NY

Complaint narrative:
I got a ding on my credit report from the XXXX bureaus of a debt collection from Midwest Recovery Systems. I do not know the company and I did not get any notice before they put a collection on my credit report. I do not do payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: MD

Complaint narrative:
Debt is not mine and the Statute of Limitations has Expired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
My complaint is with PennyMac Loan Services. I am a XXXX veteran and also exempt from paying property taxes in my county and state. PennyMac advertises many loan services to veterans and their families. PennyMac is not veteran friendly in my experience in dealing with them. The problem I am having with PennyMac getting my property tax escrows refunded and my monthly escrow payments reduced to reflect the exemption. I was approved by my county for the exemption XXXX/XXXX/2016 and after speaking to PennyMac representative I was told to submit the exemption letter and a Demand letter for my property tax escrows to be returned to me, which I completed on XXXX/XXXX/2016. After submitting these documents I received a reply telling me that these documents are not sufficient and that they need a tax bill from the county. After going back and forth with PennyMac I sent in the tax bill showing that I had a zero tax bill and also I was receiving a tax refund from the county. The response from Penny Mac is that a Tax agent from their company was working on it and a representative would be in touch. After two weeks and of nothing I decided to give PennyMac a call. The representative on the phone was very helpful and basically told me that nothing had been done regarding my exemption and no tax research was completed. This representative also called the county and verified that i have a zero tax balance and I have been approved for the exemption. The representative also advised me that PennyMac sent a property tax payment to my county on XXXX/XXXX/2016. This was weeks after PennyMac received a tax bill that I sent to PennyMac showing a zero balance.The representative also told me that PennyMac would have to wait to receive the payment back from the county before they could refund it to me, which is their mistake for making the payment in the first place. Why did PennyMac pay a tax bill that I did n't have if they supposedly did a tax research and contacted my county.The reason is because they did n't do anything regarding my exemption. I dont understand why PennyMac does not want to release my escrow to me when by law they had 30 days to return my escrow after receiving the documentation that I had a zero tax bill. The other problem is as the months go forward without a resolution and I am still making property tax escrow payments to PennyMac because they have not adjusted my account. I also have email documentation showing the responses from PennyMac regarding this case. I am also trying to do a VA streamline refinance with XXXX XXXX to get as far as I can away from PennyMac. The state and federal government agencies have extended many benefits and exemptions to XXXX veterans and their families and I do n't understand how these banking institutions feel like they are above the law and take these benefits from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: FL

Complaint narrative:
We purchased a car on XXXX XXXX made timely payments and it was being reported to the credit bureau and we paid it off on XXXX. Since we paid it off it is no longer being reported to the credit bureau. I called to see what was going on and they said they had to stop reporting due to some inaccuracies when being reported to the credit bureau. But they would start reporting again the last of XXXX 2015. About a month later, I called back and they said that there was still some inaccuracies and they had to stop reporting again. I ask if anything on our account was inaccurate and they said my account was correct but that they stopped all reporting. That they will start reporting again and if they found more inaccuracies, they will stop reporting again. My problem is that we are in the process of buying a home and I need my payment history to be applied back to all XXXX credit bureau so that my scores to increase.

Company response to consumer: Closed with explanation