vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: INVESTORS BANK
State: TX

Complaint narrative:
I reached out to, on XXXX from an email and phone call I got, for what I thought was a reputable loan finder and they set me up with a bank in NYXXXX called Investors Bank. I knew better, but I was desperate for the {$5000.00} loan they were offering. I paid some upfront for, what I now know is scam charges such as bank connection fee and so forth.I paid them around {$620.00} in fees to complete the loan. I was n't fully aware no bank would ever ask for fees up front. 

They claimed they were having trouble depositing my loan into my account so they did a " test deposit '' of {$1400.00} which I figured was legit and I was to pay it right back and I 'd get the full amount of the loan. What I did n't see was they disputed my XXXX XXXX XXXX charge ( basically called as if they were me to the dispute dept at XXXX ) and XXXX credited me the XXXX rent, vs them actually " depositing '' money. That 's why that {$1400.00} was in there. So I paid it back to them, and they promised I 'd have the loan amount in my bank this am. 

I contacted XXXX as I got an email about the dispute and put XXXX and XXXX together. To stop my apts basically getting an NSF for XXXX rent, I had to cancel that dispute. It will come out of my account tomorrow and I 'll be negative, big time. All in all I lost around {$2100.00} to these people and they are still asking for more money for the " transfer fee '' to complete the loan. I recorded the conversation and have reported them to the FTC and the XXXX XXXX. I also reported this to Investors Bank who said these men do not work for them and they reported it to their fraud dept.

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 2016-12-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
ON OR ABOUT XX/XX/2016, I PAID A VENDOR {$1200.00}, I NEVER RECIEVED MY PRODUCT SO I CALLED RUSH CARD TO FILE A DISPUTE THEY TREATED ME LIKE THE VENDOR WHERE THE VICTIM, THEY WAS VERY RUDE EVERYONE THAT I SPOKE WITH HAD BAD ENGLISH I ASKED THEM FOR A COURTESY CREDIT THEY TOLD ME IT 'S GOING TO TAKE 90 DAYS FOR ME TO RECIEVED MY FUNDS BACK I HAVE CALLED THE VENDOR SEVERAL TIMES A DAY HE DONT ANSWER MY CALLS WHAT IS THEY INVESTIGATING PLEASE I CAN NOT TAKE A LOST LIKE THIS SO IM ASKING FOR HELP IN THIS MATTER THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I filed for bankruptcy about XXXX years ago and since my loan was taken over be Green Tree Services. Up until XXXX 2015 I have never missed a payment my job had ended and I was able to get a job in another state so I could not pay my payment for XXXX. I called and tried to ask if I could use my bankrupcy protection but all I got was I need to make my payment now. I talked to a realtor and we agreed she should try and sell the house she listed it on XXXX XXXX th 2015. We moved on the XXXX XXXX they keep calling to get payments as we were about to be late. I told the person I was not late and the house was on the market he wanted payment now. We had a full price offer on the house in XXXX so I called and told them the house was sold. My realtor calls me a XXXX days later and said that the mortgage company had changed the locks. I called and they said that I had abandoned the property? How did I abandon when I am still paying the electric and water on the property. We found that they had disconnected our meter in the basement for the water I had already turned it of and winterized the house. I called them and said again the house was sold once again they wanted payment told them they will get paid when the house closes on XXXX XXXX th. Keep calling wanting payment and threatening foreclosure if I do n't pay them. I am sick of them that do is want money and call constantly HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MA

Complaint narrative:
Monies were unavailable for nearly two weeks. In addition, after finally being able to login to my account yesterday, the balances do not make any sense and there is money unaccounted for. There is no pending activity but I should have {$300.00} more than is in the account. I am also missing two direct deposits that occurred during the time. Customer support has not been helpful. I was on hold for hours and also sent a letter. I was told that there was " nothing she could do ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Enterprises, LLC
State: CO

Complaint narrative:
This letter is being sent to you in response to the above reference account that Revenue Enterprises LLC has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Revenue Enterprises LLC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: IL

Complaint narrative:
CACH , LLC KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services
State: CA

Complaint narrative:
ACS has not been in contact with me consistently since I needed to start repaying back my loan. When I contacted them, they had the wrong address and updated me on payments. When I called to make my first payment, I was told I qualify for a cancellation, all I had to do was fill out a form and get a paper from my principal that said I was a XXXX at the school I teach at. I mailed in the documents and I was denied. I was then told I needed documentation that was on an official letterhead head, an official seal, & the date signed. I got that paperwork and heard nothing back until I received more documentation two weeks later saying my loan was going into collections. I called and immediately threw a fuss because I had done everything they asked. They told me in order to get it worked out, my principal needed to specifically state " XXXX, '' I protested by saying that no place in America has " XXXX '' teachers and me having to do that was unnecessary. I went back to my principal a third time and requested that pointless piece of documentation and sent it off. I thought I was in the clear until today I check my mail and see that again I am denied because the date on the documentation was incorrect. I am being harassed and threatened. I am being made to feel like I have something to hide and that who I am is not adequate. I have spent the last five years earning XXXX degrees and the amount of titles I hold XXXX would show I am clearly XXXX and an important one. I have been belittled and chastised by ACS and disregarded for. Their communication is lacking, and their flexibility is none-existent. If anything, it seems as though they want me to not go through with this process although I was advised to. Not to mention, all of the information they require is verified by the state. All of my credentials and positions are public record yet they refuse to take that initiative. I am using this time to file a complaint and contacting my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
My card was stolen, they close it out and sent me a replacement card. I was unable to activate the new card and all of a sudden the old card read active again and charges were bring made on my account that I did not make. I have called and called and called just to get hung up on. Im missing over {$500.00} I need my money ASAP please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: SQUARETWO FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a Credit Card with XXXX XXXX. I paid the amount off XXXX XXXX, XXXX. I have the actual checks that were cashed by XXXX and the actual original bill in XXXX. I have had them deleted off of my credit report by XXXX, XXXX and XXXX as it was proved to be paid in full. It has been deleted several times ; from XXXX County Court, XXXX as well as XXXX XXXX XXXX. They now are taking XXXX from my paycheck every 2 weeks. I do not owe this bill and I can not afford to keep losing money. They have a total of XXXX as of this week. I have all forms and documents to prove my case to fax it. Thank you for all your help.

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: CA

Complaint narrative:
Its been over 7 days and I still dont have access to my money or direct deposit which posted on Thursday XX/XX/XXXX. No customer service and no expected time when or if I will get my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SQUARETWO FINANCIAL CORPORATION
State: CA

Complaint narrative:
The creditor sued me and obtained a judgement against me and subsequently garnished my wages on debt that had passed the statute of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: MA

Complaint narrative:
I ordered a replacement card XXXX XXXX and it is now XXXX XXXX. I have called rush card several times and they can not tell me anything. I have called XXXX a day the phone either hangs up or i am on hold for XXXX hours to be told they can not upload anything due to the system outage. I am a single mother and have n't been able to access my money for 17 days and i can not get any answer to solution to problem. I keep being transferred, placed on hold, hung up on, call does n't go thru. And no answers to the solution. Now i have to sit here with no card, no answers, no money, no solution to the problem. My bills are late. My child is suffering. XXXX XXXX keeps tweeting that everything is back up and it isnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25 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: SQUARETWO FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX closed the account many years ago and submitted it to CACH LLC for collection. This debt was disputed and the amount owed. CACH continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from XXXX. XXXX is reporting it as well as CACH. So I have XXXX companies reporting the same debt each with different amounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP
State: CA

Complaint narrative:
On XXXX XXXX, XX/XX/2015, I was mailed a demand letter for payment of {$400.00} from Capital Management Services , LP. 

I am disputing this debt, because it has never belonged to me. This debt is not mine. 

This debt is a result of an identity theft where my XXXX Bank checking account checks and debit card were stolen from my vehicle. 

Again, I am disputing this XXXX Bank debt of {$400.00}, because it does not belong to me and it resulted from an identity theft of my debit card and checking account checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 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: AL

Complaint narrative:
I spoke to a collection agent for ACS on XXXX XXXX. I informed the agent that I could my make my payments at their current amount. He informed me that, due to using 6 months forbearance in this calendar year XXXX it started in XXXX of XXXX, but they have my application date as XXXX XXXX ) I was ineligible. I asked if there were any hardship programs or reduced payments available. He put me on hold, came back a few minutes later, and said that they could apply forebearance to my account, starting now and running through XXXX XXXX. He went took more personal information and went through scripting asking if I still intended to repay the debt at the end of forebearance. I answered in the affirmative and he assured me the matter was resolved. 

I received a call again today, XXXX XXXX, telling me my account was still past due, and that I was ineligible for forbearance of any kind. The agent told me that a supervisor had spoken to me last time, and that she was sorry for his mistake. I thanked her for her help, but informed her of my dissatisfaction and told her I intended to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Adjusters, LLC
State: NC

Complaint narrative:
On XXXX XXXX 2016 at XXXX I received a call from a XXXX. She introduced herself just that plainly. She was very casual and stated " Hey this is XXXX can you talk? '' To which I replied " yeah what 's up? '' Thinking I was talking to one of my friends named XXXX that was in need. This particular XXXX then confirmed that she represented National Credit Adjusters and proceeded with confirming my address. She spoke very quickly so I asked her to repeat who she represented. I then ended the call out of intimidation and did not wish to handle my account with a representative that works in a fecious manner as such. The next day the same XXXX called in a casual fashion this time failing to tell me who she represents and the purpose of the call. On this call, after telling me her name she immediately asked why I hung up on her the day prior. I was about to ask her if her conduct was legal but stopped myself and explained to her that I can not afford to make a payment at this time and would appreciate her to cease her calls. Which was a untrue statement but made under pressure. XXXX proceeded to chuckle laugh on the phone after that and apologized for trying to help in a sarcastic tone before hanging up. Neither phone call did XXXX properly introduce herself nor was I given a disclosure of the purpose of the call before proceeding that is standard. I do anticipate making a payment to avoid this collection going to the credit bureaus as I have done in the past. Because of such unprofesisonalism, I failed to have the opportunity to tell the agent that I have recently lost my job and am actively seeking full time employment. I take my credit very serious as a victim of child identity theft in the past and would appreciate a more mature handling of my debts/secure information than what was received from XXXX from National Credit Adjusters/XXXX ( Caller ID name ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc.
State: PA

Complaint narrative:
This number calls at XXXX XXXX and the caller ID identifies it as XXXX They leave no message. When I call back and ask who they are I am told they are looking for a XXXX and they can not ID themselves or who they work for because of the nature of their call???? They are an accounts receivable office. Really, as if I do n't know they are a bill collector. I think they believe without a name you can not report them. I told them not to call me again since hang up calls are harrassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
To the CFPB this is concerning a complaint file previosly against XXXX, but at this point this financial institution have involved and other financial institution, the name of the financial institution is : Deutsche Bank Trust Company locate at XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, CA XXXX. This financial institution do not have legall right or legall standing do to the fact they did n't recall any endorsment or assignment and now they come to be part of strime fraud committed by all previous banking institution involved. In violation of Respa, Tila, Fair Collection Practice Act.I would like for CFPB to do a complete criminal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: National Credit Adjusters, LLC
State: NJ

Complaint narrative:
During the refinancing of my home I was made aware of a debt that was outstanding. they called to get the amount that was owed by me to national Credit adjust. After being given the amount due a check was cut to satisfy the debt. I made repeated calls to get the address of where to send the Check and got nowhere. XXXX XXXX would not return my calls and when he did would not provide me any info on what the debt was from or what my information he had about me in file. He said I should pay it and i was lucky that he does n't have it sent to his legal department. I called back again a week ago with my loan officer and left word. He again did not call us back. We called again today and he said the balance due was now XXXX higher that it was when we contacted them initially. He would not honor the payoff amount and would not provide any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: COMMERCE BANK
State: CA

Complaint narrative:
I closed my bank account at Commerce Bank in XXXX 2014 - 9 months ago. ( they are a regional bank and i moved across the country XXXX miles from their nearest location ). I recently got a credit report and i noted that Commerce was reporting a 180 day past due balance. I am unable to log into an online portal to see my account balance because my account was closed 9 months ago.

Company response to consumer: Closed with monetary relief