vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
hi I have a mortgage on a dairy farm The dairy portion has been shut down and the buildings that were used to have the dairy have been decommissioned I have lost their permits have lost their status to be a dairy ever again and yet my Bank is requiring excessive insurance on buildings that have no purpose other than just being a shed I have asked them numerous times to send me original copies of the loan documents showing the insurance requirements and they are not willing to produce those I guess an example of this would be if you see an old gas station structure on a lot there are no pumps anymore there 's no tanks anymore there 's no permits anymore The land around it is being used for other purposes but yet the bank still wants to have levels of insurance as if it is a gas station

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cottonwood Financial Ltd.
State: NC

Complaint narrative:
I was contacted by a debt collection agency for a past due payday loan. We set up a payment plan which I have followed since XXXX 2015. On XXXX XXXX, 2015 a payment was deducted from my account. My account should be paid off ( debt settled ). I attempted to contact the agency by phone in which I got no response. The contact number I have always used was disconnected and other phone numbers for the agency were disconnected and/or only had a recorded message. It is as if the agency has disappeared.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLATINUM HOME MORTGAGE CORPORATION
State: IL

Complaint narrative:
I was paying XXXX I received a letter that I have a shortage of {$7000.00} that I can pay it with in a month otherwise it will be collected XXXX/XXXX/2016. Once during this period you required escrow account balance be reduced to {$1300.00} as shown in XXXX.this amount representative cushion selected by us as allowed by your mortage contract as projected escrow account balance - $ XXXXand my required begging escrow according to this analysis should be {$2300.00} Im in shock how is it that mu payment went from XXXX to {$2300.00} Because

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
I took a payday loan out from the Cash Store back in 2014. I had to pay it off thru XXXX XXXX XXXX because I ran into financial problems. I pay {$1600.00} which paid it in full. Today I received a call from XXXX then the lady transferred me to XXXX XXXX at XXXX. He told me I owe {$940.00} on this bill. He said I was going to be served a summons and arrested for check fraud. I tried to explain that this was pif. I said I will fax over the proof and he said the fax machine was broken. He said that they checked my records and I have never had problems like this.

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 2016-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
I made a purchased using my rushcard debit card on XXXX yesterday XX/XX/2016 for the amount of {$500.00} which was canceled the same day. XXXX assured me and also provided proof that my transaction was canceled and I was not charged. I received a txt alert from Rush card that the amount has been withdrawn. When I called Rushcard customer service & also spoke to a supervisor they have my $ on hold and waiting on authorization from the bank. I have been given the run around and each agent says a different story. I have provided Rushcard with the email that was sent to me by XXXX stating that the charged was cancelled. Rushcard is hold my money for up to 10 days even though they have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I leased a 2015 XXXX XXXX in XXXX 2015. The dealer provided financing through Kia Motors Finance ( KMFUSA.com ). I received a XXXX statement in the last week of the month with a due date of XXXX XXXX and promptly paid it. As with all credit accounts, I expect a monthly paper statement to show transactions, interest, etc. and make the next due payment with a personal check via XXXX. I did not receive a XXXX statement for the XXXX. XXXX due date. Without the statement reminder, I did not make a payment. Later in the month they called to complain the account was delinquent and confirmed their system never issued a monthly statement. I offered to make the account whole by providing a credit card payment via phone. They said they could not accept that form of payment, but I could give them a debit card, or my checking account data. I do not own a debit card and do not carry my checkbook with me. I mailed a payment on XXXX. XXXX. On XXXX. XXXX, a XXXX. statement arrived with an XX/XX/XXXX due date. That payment went in the mail the next day. But I did not recognize a {$20.00} late fee or pay it. When contacted, the KMFUSA said that I should have known by the terms of my lease that a payment is due every month on the XXXX and it should be made whether I get a statement or not! That 's XXXX poor customer service. As a best business practice what financing arm expects payments every month without delivering statements?!?!? Is there any consumer financial protection that they are required to provide a statement so I can tear off the remittance coupon, include my check and mail it back to them?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
I pulled a copy of my XXXX Credit report and found a listing from this company as collection item for {$770.00}, original creditor XXXX. I already paid a debt to this company for {$160.00} paying off a collection account. This {$770.00} debt is not mine, I have never received any statement from the original creditor or Gold Key credit. This violates federal 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 2015-09-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
I have sent several letters to MidState Collections asking for debt validation and proof I signed an authorization to release medical information ( diagnosis and treatment ) to a debt collection XXXX party. 
I have yet to receive validate proof and they are reporting this information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06 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: NC

Complaint narrative:
I received a phone call from a debt collector on XXXX XXXX stating I owed over {$200.00} to an apartment community. I was confused as I have not lived there for over one year and received nothing in the mail regarding any debts. I made clear to the young lady that I was unaware of a debt and would like some documentation showing that I do owe this amount. I told her my new address and she promised to send something to me soon. Today XXXX/XXXX/15 I received another call from the same debt collection agency. I explained my last conversation to this new agent. He responded with very abusive language calling me a liar. He said there was no way the other agent would have ever said that and " If you do n't have the money, just say so. Do n't lie about it '' He became so aggressive, I had no choice but to end the phone call. A co-worker decided to offer me some help and we called the agency together. The first person we spoke with, XXXX, confirmed that the original agent who contacted me did not submit the request for validation. One was submitted this morning by the abusive agent. XXXX added notes to the account and transferred us to a manager who was awful. Both of these conversations are recorded. The manager XXXX XXXX? ) repeatedly talked over both of us eventually devolving into shouting. We repeatedly attempted to tell him that I have still not received any documentation validating the debt. He shouted over and over that one was mailed in XXXX and that they were only required to send one. We again told him it was not received ( he said we were lying ) and that the original agent had failed to submit the validation request. His timeline of events and tone of voice changed drastically once I informed him that a recording of our conversation would be sent to the Attorney General. We had no choice but to end the phone call as it was clear this would not be resolved. There is much more to this incident but one can not understand without hearing the recordings.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
My direct deposit posted to my Rushcard account on XXXX XXXX. It is 6 days later and due to computer 'glitches ' I still have no access to the funds!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SQUARETWO FINANCIAL CORPORATION
State: TN

Complaint narrative:
I took out student loans with XXXX. I paid and consolidated the rest of my loans. I contacted XXXX and they said I do not owe them anything and they do n't know why this other company is contacting me. I also asked the company for proof and they have not and will not provide it. I told them that I do not owe this debt and they just tell me I do. I also asked why they keep reporting on my credit and they tell me they are not. They also stated that if I do n't pay them then they will garish my wages and put a lean on my house and tax my taxes. They also informed me that I could end up in jail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
Not able to access my funds with rushcard. 
Need to pay bill by tommorrow and im stuck without my direct deposit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
I Am a nine ( 9 ) year account holder with Rushcard, on XXXX XXXX, 2015 Rushcard updated their system which was more like a crash leaving myself aswell as XXXX customers with money and direct-deposited funds missing from their accounts. 

When myself and others ( As I have read online ) attempt to access our accounts our money is missing and deposits made to our accounts are lost in limbo with really no answer from customer service and a customer service number that plays elevator music while u either remain on hold indefinately or are hung up on when the line is purposely and repeatedly disconnected. 

Today is XXXX XXXX, 2015 and this has been an ongoing problem since XXXX XXXX, 2015

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Data and Contact Management Solutions, LLC
State: GA

Complaint narrative:
This is dealing with an Estate Debt. A major credit card company hired a Collections Agency to collect a CC debt after my mother death. I am the legal administrator for the estate. 

Upon contacting both the CC and the debt collector, I was told by the CC the debt collector is the only XXXX that can now neg. the debt with me. Upon contacting the debt collector I was informed by the collections company that if I wanted to settle below a certain amount, they would need to verify the amount in the estate account and where asking me to provide a bank account statement. 
I feel they have no right to request such a document. Is this legal?

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

Complaint narrative:
Everything was fine until they had an update. Update still going when they said it was only suppose to last 5 hours. U ca n't get into your account, ca n't get anyone on the phone or it hangs up on you, if you had a balance before the update the balance now shows XXXX, direct deposits are not going into the accounts either. They are not responding to emails. The only updates you see is on social media, they are not telling the customers themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
They locked my account for the reason that I was not too active and sent the money to unclaimed funds somewhere. I came into the branch today to ask for the log in and found out. Now, I do n't even know where they sent {$1500.00} to. I asked them and all they said was that they do n't know.

Company response to consumer: Closed
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAC Financial Corp
State: GA

Complaint narrative:
CAC Financial Corp is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.

Company response to consumer: Closed
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
I have been unable to access my money on Rushcard since XXXX/XXXX/15. No one answers the phone or when they do they hang up on you. My money is on a card that expired almost 3 months ago. I unable to transfer money from the expired card. None of my emails have been answered and they have disconnected some of their phone lines

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
I am unable to access my funds, no direct deposit for 2 weeks I have a savings account on it and I cant even use those funds. Every time I call I get hung up on or they tell me they can not help me. I have resourced all my cash and have bills piling up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Delta Management Associates, Inc.
State: SD

Complaint narrative:
My loan is in default, I have been trying to establish an Income based repayment plan with Delta Collection Agency @ XXXX. I 'm frustrated by their delaying tactics. I have sent in all requested documents even three years of tax returns, reference letters, Hardship letter yet every time I call something is missing, even though a supervisor told me yesterday everything was their. I have the opportunity to restart school but need my XXXX in place first.

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 2016-11-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: NC

Complaint narrative:
Midwest Recovery Systems added a collection account from XXXX to my credit report from a company that is not licensed payday loan company in the United States. I did not open it payday loan with XXXX it was a fraudulent company with no internet address of a physical address or telephone number there is no supporting documents stating exactly when the account was reported delinquent or an account number

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
i used a XXXX servive through store added to bill used it when it should have freezed my account it showed deliinquent through credit bureau and XXXX also credit card came missing on a thursday night of XXXX friday noticed a high bill and requested print out of purchases given the run around and tolld i had to go to the corporate office in XXXX to get this info any other time i 've requested my info from any other place it generated out to me via the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
Various attorneys continue to claim a mortgage in my deceased father 's name. There is no such debt and they have no claim. This fraud loan with PennyMac must be on XXXX of your databases somewhere, these attorneys make assumptions and start moving to foreclose. One office XXXX ( XXXX XXXX XXXX XXXX filed a trustee sale on my home XXXX months ago acting as a Bank, Beneficiary, and Trustee. This has to stop, I need your office to stop this fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: TX

Complaint narrative:
XX/XX/XXXX I purchased a vehicle from drive time in XXXX tn. The amount financed was XXXX. This includes a warranty I purchased with the vehicle. XX/XX/XXXX I voluntarily repo the vehicle after I was told I could not trade as I was told when I purchased the vehicle. Drive time put a charage of XXXX on my credit. According to the laws of tn in regards to credit reporting by buy here pay here businesses. The business may only report a loss. Since I made 13 consecutive payments of XXXX totaling XXXX and drive time stated that the vehicle sold for XXXX. The refund of the difference off the warranty XXXX out the account. So thE amount on the credit report is invalid and fraudulent while also against the law of fcra and the state of tn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
I am trying to get a modification and have submitted all of my documents 2 weeks ago but it still shows that I need to submit documents and does n't seem like anything is moving. When I call they keep telling me 7 days or 15 days etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
I refinanced with PennyMac in XX/XX/XXXX. I signed up for bi weekly payments in order to reduce interest and shorten the term of my loan by making an extra payment every year. In XX/XX/XXXX, I requested that they suspend a payment so I can keep the principal only payment. The payments continued to come out of my account. As of XX/XX/XXXX, the bank has mismanaged my payments and suspended payments causing multiple problems with my account. My principal and interest payments are incorrect and the account still has n't been resolved as of today, XX/XX/XXXX. I spoke with multiple reps, but just started keeping track of reps that I spoke to. On XX/XX/XXXX, I spoke to XXXX at ext XXXX. Then on XXXX XXXX, I received a collection call from XXXX requesting a payment. Then I received a collection letter dated XXXX stating my XX/XX/XXXX payment was never received even though I am on a bi-weekly payment plan. Then I called on XXXX XXXX and spoke with XXXX at ext XXXX who said she would request a complete analysis of my account from the first payment. I had a scheduled payment that was supposed to come out on XX/XX/XXXX that has not come out yet. As of now I am paid up for the month of XXXX, yet my account is still in the collections department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Capital Management Services, LP
State: TN

Complaint narrative:
I previously filed a claim in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX and illegal debt owed. Now I have a proposition to file with same company, Capital Management Services , LP of same claim of debt not owed. I have sent numerous letters as return to sender, phone calls. i contacted XXXX XXXX XXXX, ( XXXX ) XXXX debt paid in full. per transcript. I wish to seek help in getting this resolved and seek restitution for illegal payments to both companies and threating phone calls/letters. Please help!

Company response to consumer: Closed
Consumer complaint received 2015-07-22 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: OH

Complaint narrative:
There is a collector name XXXX contacting me at work and on my cell XXXX ext XXXX he is stating he is trying to locate me. he calls my job and just hits other extensions and talks to other people and asks them to give me a message. It needs to stop, he claims he is an attorney that i need to give a statement he leaves all this information on my voicemail not knowingif its me or not.

Company response to consumer: Closed with explanation