vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
On at least 5 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 2017-02-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
I was notified by XXXX/Source Receivables Management, XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX on XXXX XXXX, 2017 regarding an alleged debt. 

On XXXX XXXX, 2017 this debt was paid and I was told the account was closed. I was also told I would receive a letter stating the account has been closed. 

As of XXXX XXXX, 2017 I have received no confirmation letter stating the account has been closed. Source Receivables Management has taken payment to close an account and has not closed the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade Brokerage and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.

Company response to consumer: Closed
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: SC

Complaint narrative:
RUSH CARD is a prepaid company that will pay you your check 2 days early.however I did not get paid two days early however when I did get paid they took XXXX from me which resulted in an overdraft charges to my other bank. I went to pay for food and the card decline after being told they fix the issue based off there website. I have tried to contact customers service and.after u press XXXX for.Customers service they disconnect the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VALLEY NATIONAL BANCORP
State: PA

Complaint narrative:
Have a car loan from VNB Loan Services. Was told by phone the car loan had been paid up in XXXX 2014, but that I owed additional fees & wo n't get my car title until all paid. From XXXX 2014 including a payment made today, I have paid an additional {$3200.00}. I know there were some gaps in insurance and over the phone that 's what they said I owed more money for but I have never received the additional amount due in writing. In fact I asked for a list of all payments received & how applied as well. Requested XXXX/XXXX/14 this info in writing along with a payment which the post office confirmed was signed for XXXX/XXXX/14 and the enclosed payment cleared my bank XXXX/XXXX/14. They refuse to mail me any documentation. I am willing to pay what I owe but feel they are trying to overcharge me because they have n't sent written documentation. Everything has only been provided via phone calls. I think as a consumer I should be getting the addition request in writing as proof for my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC

Complaint narrative:
My new mortgage company, Penny Mac, misplaced many of my mortgage monthly payments. The payments were placed onto my mortgage escrow account instead. It took countless effort from my part to finally have Penny Mac acknowledge their mistakes. Penny Mac fixed the mistakes made to my account, however, they reported me late to the credit bureaus and have not taken action to correct this matter with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
I opened up a no monthly fee account " VNB ( R ) MY CHOICE CHECKING '' with Valley National Bank but last month they converted the account to " PERFECT CHECKING '' and charged me $ XXXX monthly fee without any notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I ordered copies of my credit report and noticed an account with National Credit Adjusters in the amount of {$1200.00}. I immediately filed a dispute with the bureaus to dispute the debt and additionally forwarded correspondence to National Credit Adjusters to validate and verify this debt by providing signed contract information and other various debt validation information ( creditor, debt amount, what the debt pertains to, contracts, interest, fees, etc ). 

By law I am aware that dunning letters are supposed to be sent to consumers to allow them an opportunity to dispute accounts/debts within 30 days. To my knowledge, I have never received a dunning letter from National Credit Adjusters, nor can recall engaging in business with National Credit Adjusters. 

On XX/XX/2017, I received a response letter from National Credit Adjusters informing me that they were in receipt of my dispute, and that per their letter, " To properly investigate this dispute may take more than 30 days, as only 30 days is seldom a sufficient amount of time for research and investigation. '' This response is alarming! Per the FCRA and the Texas Finance Code, by law a company should be able to validate/verify a debt, and in the event they are aware that they can not within 30 days, they need to remove the trade line from the credit files. 

By law, this information is not supposed to report on a credit file with XXXX, XXXX and XXXX unless it was substantially verified and validated with the required information as established by the FCRA. Therefore, if this was completed, 30 days is sufficient time to furnish the information to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: CT

Complaint narrative:
Got an alert from credit monitoring for a new collection account Midwest Recovery Systems for a supposed payday loan account that I never took out for {$760.00}. I received no debt validation in the mail and do not know who this is or what it 's for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: CA

Complaint narrative:
I recently learned that my loan provider offers interest rate discounts with enrollment in Auto-Pay. After enrolling, I learned that the interest rate discount is lower than initially informed. I communicated with my servicer and was informed that the different " disbursements '' in my account offer different interest rate reductions. In addition to making almost two years worth of regular payments and not knowing that I could reduce my interest rate with auto-payments, I was never informed that there were multiple " disbursements '' on my account. I have now payed over {$3200.00} in additional payments over the last 8 months that would have payed off at least one disbursement that did not offer a lower interest rate, thereby reducing my weighted interest rate faster. This is all because the information that benefits me as a consumer is not available on my servicer 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
PennyMac USA failed to pay our real estate taxes due XX/XX/XXXX. They told us that the local taxing authority told them it was already paid. Our local authority disputes that and said that the bank never called them, nor do they ever. I now have a delinquent notice which I faxed to them yesterday and they can not confirm that our taxes will be paid, nor when they will be paid. They only tell me the next scheduled payment is XX/XX/XXXX and they will try to get it escalated. These taxes need to be paid immediately. I 've spent two hours on the phone with them and I am at the end of my rope. The tax department does not take phone calls and they offer no assurance that I will be notified if and when these taxes are paid. Meanwhile, I am listed as delinquent with the local authority which is embarrassing as this is a small town. There is more than sufficient funds in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX is continuing to sell debts to its companies XXXX of which is NCA ( National Credit Adjusters ) so as to make it appear that they are following a decision recently not to collect any more debts or sell them to other debt XXXX. XXXX XXXX has different departments. XXXX and XXXX for NCA so they will not be caught again collecting debts in their name which XXXX XXXX but actually this is their company too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
XXXX of my parents died in 2014 and their names were on the mortgage held by Penny Mac. After they died, as their executor of their estate, and their daughter, I tried to get Penny Mac to talk to me concerning their mortgage because I was having trouble paying the mortgage at the time and could not afford to hire an attorney to start their succession. I needed to restructure the loan, but they would not help me because the mortgage was in their names. Penny Mac told me on XXXX different occasions to send in their death certificates and wills, which I did and they would help me. I sent them on XXXX different occasions and also sent them copies through email and when I would call they would give me the runaround, like they never received them, they were n't in the computer, the law department had not seen them and signed off on them yet, etc. They sent me a foreclosure notice and now the home I have been living in for 40 years is going to be sold next week at auction and because they would not work with me, I am now forced to file bankruptcy on my parents estate to stop the foreclosure. I have been told that Penny Mac Board of Execs are made up of the people who caused the housing meltdown and are getting double paid for houses going into foreclosure, through insurance and monies collected through foreclosures. Their names are on the mortgage and the succession has not been done yet, so this ca n't legal, can it??? Penny Mac seem unable to helpme and want me to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: NV

Complaint narrative:
I purchased a car from DriveTime now XXXX in XX/XX/XXXX. The car history that was giving to me showed no history of the car being in any accidents prior to me leasing the car. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I lost my job and was searching for work. I stayed in contact with DriveTime of my situation and they helped me to get my payments deferred payments to the end of my loan. In XX/XX/XXXX and XX/XX/XXXX I fell on hard times as well and contacted DriveTime now XXXX of the situation I was having with making my car payments. They once again were able to get my payments deferred to the end of my loan. Stating that the late payments would n't show on my credit report. As of today I have on my credit report both from XX/XX/XXXX and XX/XX/XXXX showing on my credit report which dropped my score down majorly. Just recently my car broke down and I no idea on the reason why because my car was in job shape and taking car of very well. When the car was sent to a dealership to get checked out they pulled my car history and it showed XXXX accidents that were not on my original car history report. When I contacted XXXX of what happened I got the run around and they wanted me to send copies of my bills that were spent due the repair of my car. They told me there was nothing that could do to the time of me having the car. When I told them about the false car history report that was giving to me the did n't acknowledge my complaint. Also when asked about my credit report being affected from misleading or false information they told me again there was nothing that could to me and that they would not remove or do anything with both situations I have had with them.

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 2016-11-19 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I checked my credit report to see this company Midwest Recovery System on my credit report for {$760.00} for a payday loan I have never applied for or received. I attempted the contact the company for over a month now and have not received any respond. I have not received anything in the mail. This company called me several times before in which I asked for prove of this account and was told they did not have to give me any prove and I will received everything when the police come and pick me up. 

This account has affect my closing on my home loan due to the company refuse to respond to voicemails or dispute letters. I want this account deleted from my credit report like yesterday or I will be sueing this company. My lawyer has also attempted to contact them and received no respond.

Company response to consumer: Closed
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: BlueChip Financial
State: DE

Complaint narrative:
A debt collection company named XXXX XXXX XXXX XXXX is contacting me regarding a debt with Spotloan. I 've asked this company to send me the information in writing to my home address. A representative by the name of " XXXX '' states they 've sent the letter previously and it 's not their fault if I did n't get it and that they refuse to send me another letter in writing. 

Also, I 've received a call from family members stating this company is trying to reach me on several other phone numbers, XXXX and XXXX. These calls have to stop. They 've been instructed that they should not be contacting any other numbers.

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 2016-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: FL

Complaint narrative:
I signed up for email notifications with ACS. ACS agreed to provide me with email notifications when payments were due. ACS provided me a notification of a payment due on XXXX XXXX, 2015. From that point forward, I did not receive any notification from ACS of any payments due until approximately XXXX XXXX, 2015. On approximately XXXX XXXX, 2015, I received a phone call from ACS informing me that my account was severely past due. I asked how this could be, because I had not received any email notifications. I made a payment to bring my account current. Because I had not received any payment notifications from ACS in several months, it was my understanding either that my account was on auto-pay, or, that my account was otherwise in good standing. 

In my view, this constitutes a deceptive and unfair trade practice. It is deceptive for ACS to offer an " email notification '' option, wherein it represents that it will send a borrower email notifications when payments are due, and then not honor that representation. 

I understand how busy the CFPB is and I understand that you have many more compelling cases to consider. However, I believe that this merits investigation. To put it simply : A few months ago, I had a credit score of XXXX. I was going to buy my first house XX/XX/XXXX. I just pulled my credit report tonight and saw that, as a result of this ACS situation, my credit has collapsed to XXXX ( lower on certain reports ). This is devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
I was recently contacted by eastern revenue the debt collection agency telling me that I had a debt due of XXXX dollars from the XXXX college of XXXX. I put in a request to remove the charges from my account but I was told that the college policy states that I have to drop the class if I do not plan to attend it. But I did attend to take the class and I did, I went to the first few classes but the XXXX class in the professor told that I was not on the class role sheet. So I went to the financial aid office and they told me that my financial aid did n't go through and I do n't believe that was my fault. Because on my side it did go through. This past Thursday on XX/XX/XXXX I went to the school to dispute my issue again and this time I was told the reason why my financial aid did n't go through on their side was because I did n't apply for the XX/XX/XXXX financial aid but by the time I applied it was XX/XX/XXXX. I called the financial aid customer service and they were on my side saying it was n't possible for me to apply for XX/XX/XXXX if it was already XX/XX/XXXX. I believe nothing wrong happened on my side if anything wrongdoing was on the schools side.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: TN

Complaint narrative:
Midwest Recovery Systems reported a collection debt to my - Credit file on XXXX XXXX, 2016, - for {$840.00}.. I never received a 30 day disclosure of any collection activity. I filed for bankruptcy in XXXX and never knew anything about this debt until I reviewed my credit file and saw that it had dropped XXXX points as a result of this company. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file-. Again, this caused my credit score to drop - points and I intend seeking full restitution and damages if this is not removed from my credit file immediately. This is an illegal practice of debt selling and manipulation that violates the FCRA. If a collection company can report to a credit bureau then they sure can pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: AZ

Complaint narrative:
I pulled my credit report and saw a collection account from Midwestern Recovery for a payday loan debt totaling {$720.00} from XXXX XXXX. I contacted XXXX XXXX XXXX Contact Center who advised I do not have an account from XXXX 2010. I have never received a validation of this debt. It just showed up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: AL

Complaint narrative:
I purchased a vehicle from DriveTime XX/XX/XXXX, they reported to credit bureau for 3 months and now state my information had to be deleted because of a bankruptcy that discharged XX/XX/XXXX..three years prior to opening this account. They continue to tell me that the credit bureaus will not allow them to report because of my bankruptcy and this is discrimination and negatively impacts my credit worthiness for no reason as this should have had no impact. My loan agreement and rights support credit bureau reporting and I want my information reported correctly and for the discrimination of bankruptcy accounts to be rectified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation