vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WY

Complaint narrative:
We submitted a complaint to the CFPB on or around XXXX XXXX, 2016. Case number : XXXX, regarding an issue with trying to get approved for a deed in lieu through our mortgage lender Penny Mac. We received a reply from the CFPB with the response from Penny Mac. The information that Penny Mac provided as proof of their resolution is fraudulent, as all of the information pertains to another customers loan and loss mitigation. None of the information pertains to our loan or our complaint with regards to our dissatisfaction with our loss mitigation process. I contacted XXXX who is the complaint specialist at PennyMac, on XXXX XXXX, as I wanted to speak with her about the inaccurate information on our complaint, and have not heard back from her as of XXXX XXXX. We did receive an email from Penny Mac on XXXX XXXX that the appraisal is approved, and received a call from XXXX XXXX our loan specialist on XXXX XXXX, telling us we were approved for either short sale or deed in lieu, and that once submitted, we would have an answer within 10 days. We had a buyer who submitted an offer in XXXX of 2016, but due to the lack of progression with Penny Mac, and lack of response, the buyer decided to withdraw their offer. We contacted Penny Mac on XXXX XXXX, letting them know we would like to go ahead and proceed with the deed in lieu. On XXXX XXXX, I received word ( after submitting a signed Deed In Lieu incomplete Package letter, that we now are in attorney review for the title, however again as we were told in the first week of XXXX 2016, the 10 day period would not start until our package was completed, and we were not given a time frame as to how long this review period might take. the last review period with the underwriter, we were told we did n't have a completed package, and had no progression, until after we submitted a complaint with the CFPB. We are not financially in a position where we can continue to pay both our rent ( which our entire XXXX is coming out to pay as we are living on base ) as well as our {$2100.00} a month mortgage, which we are using up our savings to pay. We also are continuing to pay the utilities on the home in NJ, as Penny Mac requires it to be in good condition at the time of closing. We are tired of getting the same robotic answer, which is n't even an answer, and are extremely afraid that this next " review '' period will again continue to take months. Also our other major complaint is that the CFPB was lied to with regards to our previous complaint, and that the information provided to the CFPB was factually inaccurate and did n't even pertain to our loan or loss mitigation request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: TX

Complaint narrative:
I traded in a car I was purchasing from Drivetime. The car was traded on XXXX/XXXX/XXXX and the payoff reached them on XXXX/XXXX/XXXX. I Drivetime on XXXX/XXXX/XXXX to confirm they had received the payoff which they did. XXXX XXXX overpaid them by over {$290.00} which Drivetime confirmed. I was told I should receive the refund in 10 days. I call back on XXXX/XXXX/XXXX and was told they never submitted the refund and it seems to it they were not planning on refunding it. They again told me to give them 10 days to process. I called today ( XXXX/XXXX/XXXX ) and again I am told to give the 10 days to process. I advised them if they held funds over 30 days they must pay interest. They told me to call them back again in 48 hours. I am starting to believe Drivetime has no intention of refunding the overpayment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 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: DC

Complaint narrative:
I recently finished paying off a federal student loan that was serviced by ACS-Education. I anticipated that I would receive a closing statement ( either electronically or through the mail ) stating that I had fulfilled my obligation with this servicer. I did not receive such a notice from ACS, nor did I receive a response to the inquiry I submitted to ACS in regards to this question.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Eastern Revenue, Inc.
State: MD

Complaint narrative:
I have a school loan from my school that was sold to a collection agency by the name of Eastern Revenue Inc. of XXXX, Pennsylvania. ( ERI hereinafter ). XXXX has contacted me, constantly harassed me and threatened me numerous times regarding a balance that I am unable to pay and have advised them of such. XXXX has gone so far as to attempt to obtain information regarding my children 's bank accounts, social security numbers and other private information. This company has used guerrilla tactics to constantly bully and harass me continuously, and has affected my personal credit, physical and mental health in addition to permanently affecting my marriage. They have called my home, job and family members non-stop and it is very troubling. They have continuously threatened to hold my transcripts and degree XXXX and advised me that I would never see them ever. No company should ever have the ability to treat anyone this way. It has literally caused me serious harm in all facets of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: TX

Complaint narrative:
I have loans via ACS Education. My monthly payment was {$400.00} monthly. Without notice this company is increasing my payment to over {$1200.00} monthly. I certainly do not have the income to make this payment. I have federal student loans and another private loans as well. The company offers no deferment or forbearance options. They are setting me up to go into default. This loan was made during XXXX school. I took out this loan while attending a school in XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: DriveTime
State: MD

Complaint narrative:
The company constantly has robocalls calling from several different numbers. If I schedule a payment, they still continue to robocall. I talk to a rep and they tell me they ca n't see the online payments so they continue to call. They also robocall my job. If I do n't answer, they will email. If I respond back to the email, they tell me they are n't allowed to correspond by email. They set payments up biweekly instead of monthly. So if you miss a 2 week payment, they call and tell you you 're in default. Each message tells me they can help me find options, but whenever I try to get help, they tell me that there are no options available. I paid my loan faithfully every two weeks via direct withdrawal from my checking account. When I started having problems, I called and asked for help, they told me I did n't qualify. Now I 'm supposedly 60 days behind and they STILL tell me I do n't qualify for assistance. Even having one month moved to the back of my loan would help me catch up.

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 2015-10-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: OK

Complaint narrative:
Ca n't access my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP
State: TX

Complaint narrative:
This company is calling my place of employment and being very rude and threatening. I do not know what it is in regards to but from the first moment they were rude and threatening.

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: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
This company ... 

MIDWEST RECOVERY SYSTEMS XXXX XXXX, MO XXXX ( XXXX ) XXXX Has shown up on my credit report as of XXXX XXXX, 2016, in the amount of {$770.00}, and it shows an open date of XXXX XXXX, 2016. It also shows the original creditor as " XXXX XXXX XXXX XXXX '' ( In which I do n't know who they are either ), I have not opened any payday loans, and I 've tried to look the company up online, in which it shows the website is down for " construction '' and I 've tried contacting them via this number and I 'm just on hold with no one responding. I have no idea who this company is or why this is on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I responded to a marketing message from PennyMac and inquired about a refinance. I received a quote from XXXX XXXX and advised him that I will continue to shop around. I ended up finding a better deal and informed XXXX and PennyMac customer Service that I will not be moving forward with them. I heard no response from XXXX since, today I received a package in the mail that was sent to my address and had my home on the loan documents. However, there was PII data from another PennyMac consumer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
It has now been almost 2 weeks and I have n't been able to access any of my money.. this issue started XXXX XXXX and still persist till this day. I have n't been able to get anyone on the phone the line keeps hanging up on me. I can finally go online to if see my funds are there which they are but the card they have there on the account is my old expired card ... At the end of the day I just want my money back that I worked hard for ... My vacation has already been ruined by this unfortunate event in which I have finally accepted, but I will not accept this unprofessional conduct by Rushcard. I also feel that its messed up how no one has stepped up to help us. why? is it because we do n't bank with XXXX XXXX, XXXX, XXXX XXXX etc. Sorry but our money matters too and it pays taxes just like every one else 's does. I 'm a single Female without kids and a XXXX XXXX that do n't make much as is but get almost {$200.00} dollars taken from me every two weeks for taxes. I want to know what our Government that I pay so well is going to do to help us tax payers that has been effected by this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
I have been utilizing the services of XXXX XXXX XXXX Rush card for several years. Never have I ever had such a horrible experience. I work for XXXX XXXX, my payday was Friday XXXX/XXXX/15. Normally Rushcard deposits two days early but since Monday was a holiday I expected a delay and not to get my posted direct deposit until Thursday. Thursday came and went still no money. Friday morning still no money so I decided to reach out to a friend who also uses them for her direct deposit. She began to inform me that there was a big issue and almost every single RushCard customer either had not recd their directly deposit or the money they had on their cards was missing and they now had a zero balance. Customer service can not help, they just keep telling us that they were going through a system transition and that we will be notified once the systems are back up and our money is deposited. I heard that they were in fact hacked and we will never see our money. How true that is I do n't know but I am beginning to believe it when I ca n't even get an answer out anyone. You ca n't even provide us loyal faithful customers with a time frame. Bills can not get paid, gas in vehicles, my kids can not be provided for because I have missing money from my hard earned paycheck. I need/ We nee answers we need help and a solution. This is not okay

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
Received a call from a local telephone number XXXX XXXX XXXX XXXX. After I answered a woman named XXXX spoke very fast listing my address and asked for me by name twice. I asked where she was calling from and she said Source RM I asked what that was and she replied it was a debt collector. I asked what her location was, she kept responding by asking " how do I want to pay my debt today? '' she finally replied by saying she was located in XXXX. I asked if she was calling from a recorded line ( as I live in XXXX ) and she repeatedly asked " Why do I not want to pay my debt? '' I asked again about the call being recorded and she sighed and said " calls are monitored for quality assurance purposes. '' I then said thank you and ended the call. The whole time the Source RM representative was very rude, hard to understand and seemed to be intentionally evasive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
On XXXX the XXXX my car loan company accidentally double charged my account. I contacted them and they refunded the funds well by Wednesday the XXXX these funds were still pending. I contacted rush card and they assured me my funds would be posted by Friday. That never happened, I called rush card and I held for over an hour finally a lady came on I explained again what happened she then called my auto loan company on XXXX way and was told they already refunded the amount and on their end it was adjusted and closed she even gave the transaction number. The rep assured once again that the funds should post with in the hour. I went to make a purchase XXXX hours later and my card declined. I called back held for another XXXX hours she then told me she escalated the issue and the funds will show available. Again no money has posted of course I call back held for another hour only to hear the guy did n't have access to the system and after he offered a supervisor rudely hung up on me. It 's wrong and unfair it 's been over the time frame they gave and I still do n't have my money which means bills ca n't get paid and o ca n't make purchases to take care of my children. Rush card customer service if rude absAnd unpleasant I have been patient but this is over board.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
To whom this may concern, I am writing in response to claims by Scottrade that they will not respond to the CFPB. This bad behavior by Scottrade appears to be a repeat of other bad behavior. 

In the attached you will see that Scottrade for a period of no less than 2 years hide behind the OCC while defrauding regulatory agencies by maintaining the veil that their company has less than XXXX XXXX in assets.

Company response to consumer: Closed
Consumer complaint received 2017-01-08 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
My complaint is about how Rushcard decided to close my account without my knowledge and tried to keep my money. Rush card accounts department decided to close my account but they did not tell me. In addition, they allowed my payroll check to go into this closed account. Then, Rushcard 's customer service refused to give my money back to me for 4 days. I kept calling and calling yet they decided to gaslight me at every turn. Every customer service person decided to lied to me and felt like that my money belonged to them. Particularly, sales associate XXXX who lied to me and told me that she did not want to give back my money. Also, her supervisor XXXX who yelled and tried to cussed me out. After all of this, Rushcard gave me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
Locked out of my account for weeks ... .not able to access funds ... rude customer service..Rushcard

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
I have a charge on my account for {$640.00} that I did not make. I have tried to contact Rushcard for a week now with no help. I am put on hold for hours and i went online and filled out a dispute form and faxed it in. I have yet to receive a call, email or acknowledgement that they have received my complaint. I have also had double charges on my account and then the charges go away but my money is never returned to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
My bank is Rush Card, as many of you know, Rush Card has experienced many issued these past two weeks, its been extreemly difficult to manage money in my account, i attempted to pay all of my bills not knowing that they may be returned, i just bought a new car and had to pay my car note and then find out i can not accesss my account! what a great way to start off with payments, i have direct deposit set up with a new bank and hopefully my job can expedite this so that everything gets taken care of before next pay day, i feel so bad for the XXXX people who like me cant get into their accounts, just sounds fushy, and i have never been with a bank who has held your money and not give you a valid reason where its gone ... My mom also has rush card and is missing hundreds of dollars and no one can tell her why or what has happened to the money, never EVER will i bank with Rush Card again! and unlike any bank they charge {$1.00} per EVERY SINGLE Transaction!!!!! no bank does that! do you know how much money we could be saving if each transaction was free ... .. like it 's supposed to be!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! RUSH CARD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: VA

Complaint narrative:
Last week Rushcard did a system update in which all cards would be down for a couple of hours. After said time my account has not been correct. I was suppose to get my direct deposit on that wendesday and it is now the following Tuesday and my deposit is still not in my account. I continue to call yet very time I mention direct deposit I get hung up on. I have been without gas and food in my house. Bills are being to be late and my rent is about to be due. On eve I do finally get to speak to someone they ca n't tell me anything that is going on except they are trying to fix the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: AR

Complaint narrative:
I have been locked in and out of access to my rush card and account since XXXX/XXXX/15. I have called the Rush Card Company numerous of times just to be hung up on or stayed on hold for and hour. Since then I have been struggling to get food for me and my children, I 've had to think of ways to make it back and fourth to work because no access to money to get gas. I have missed XXXX weekends of moving my furniture out of storage including each week I have been charged fees to pay just to get my things and now unable to pay them. I have not been able to pay the rest of my car note, unable to go to my eye appointment because of the {$100.00} fee that is needed and now I have developed and ulcer in my right eye that needs antibiotics to cure or it will get worst. My phone was stolen and now without any money I ca n't get mobile and I have XXXX jobs in which XXXX jobs require me to have a phone so I ca n't resolve that issue ether. I have been reading were this problem was fixed and I have been calling them since Tuesday and the automatic system is saying that my card is not activated in which I never put in a request for a new card. I 'm stressed out to the max and have been having more then XXXX and I 'm just over all the lies that they have told me since XXXX/XXXX/15. As of XXXX/XXXX/15 was the start date that I have had no luck with speaking to anyone at Rush Card regarding my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In XXXX, 2015, Bank of America performed an update to their systems ( as per the representative at Bank of America ). The representative explained that as a result of the update, this caused XXXX and stored sources of customer payments ( such as checking accounts ) to be erased. 
I was not aware of this issue until I received a notice from Bank of America that XXXX of my credit card accounts payments was past due. It ended up being the account I had set up on auto-pay years earlier, and the payments were always made on time ( the amount of payments above the minimum payment amount ). 
When I called Bank of America customer service number at XXXX about the late fees they assessed, they directed me to call their auto pay department at XXXX. 
I contacted the auto-pay number and spoke to XXXX. He advised me he would be able to reverse the {$25.00} fee.

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