vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-10 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MA

Complaint narrative:
I had my pay check of {$530.00} check # XXXX direct deposited to my RushCard on XXXX/XXXX/15. I received my actual RushCard on XXXX/XXXX/15 and activated it. On XXXX/XXXX/15 my account reflected the my funds available to me in my account. On XXXX/XXXX/15 {$530.00} ( my entire check ) was deducted from my account as a " Processor credit reversal '' transaction ID XXXX. I have called every day since XXXX to resolve the issue and keep getting the run around. I have spent countless hours on the phone and when I finally get a live person, they hang up on me. On XXXX/XXXX/15, I was finally able to get a live person on the phone and they were working to fix the error and credit my account back the missing money since the funds were taken out in error. I was told it would be fixed in 24 hours. Today is XXXX/XXXX/15 and I still have not received my funds. I have still continued to call every day and I am told they will fix it within 24 hours, but they still have not returned my funds. This is creating great financial hardship for me as I am not about to pay my bills or buy my daughter what she needs. They have essentially stolen my entire paycheck from me and no one is doing anything after seeing this was an error on the processors part. I need your help to please quickly resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I submitted a complaint against Scottrade Bank, regarding a dispute about unauthorized transfers within my Scottrade Bank and XXXX XXXX Account. Scottrade Bank did not respond to my complaint after three weeks. I then sent a certified letter to Scottrade Bank asking about their dispute resolution procedures and have still not received a response months later. I submitted a final complaint asking about if there was an arbitration contract and how I could initiate a XXXX party dispute resolution process. Scottrade Bank did not respond. 

I am writing to the CFPB, in hopes that a cooperative resolution resolution can be reached where Scottrade Bank and their affiliates provide appropriate responses to my inquiries. Based on the behavior of Scottrade Bank and their employees, I am worried that Scottrade Bank is attempting to " bury '' this issue because investigation into the matter may reveal corporate or employee fraud and wrongdoing. 

I have attached a draft document outlining some of the actions by Scottrade Bank and intend to follow up until this matter is resolved.

Company response to consumer: Closed
Consumer complaint received 2015-12-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
helloI need your help.. 
I had checking account with Scottrade bank. On XXXX 2014, i saw some usual transaction from my account so i called in and filed dispute on those transaction, it was around {$1000.00}. then later on bank send me a letter saying they denied dispute and they took the money from my account. and i found out my sister used it, i gave her card number in case of emergency. so i did n't bother to call bank again and totally forgot about it. till last week, i was checking my credit score since i am applying job, I found i have XXXX collection against me. so i called in and found out this collection was for that dispute i filed last year. so i explained to them this fund is paid, bank took money from my account and release the fund to merchant. I called in the bank and tried to get the statement so i can show the collection agency. Bank put me hold forever and told me they need to do some investigation and need to call me back. i said ok. I got the phone call 2 days later, they said they are really sorry, and they did n't realize they still have those money with them and they will send XXXX XXXX something dollars check to me today. I asked them how come they kept money more than a year and half and never notify me or merchaint about this, and they said there were some confusion. they should 've let me know but they didnt. I moved last year, and i did n't get the collection notices too. Now i need to pay {$1500.00} after all those late fee and interest charges in order to remove the collection from my credit report because they were confused and forgot the notify me that they did n't release the fund to merchant and or me. and accusing me it is my fault originally because i filed dispute. i am so frustrated why it is my fault. they probably kept the money forever if i did n't find out. i do n't understand how can bank make this kind of mistake. its not XXXX cents. it is over XXXX dollars. they need to take the response and take care of this matter. 
Pls help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I am a victim of identity theft. I have XXXX unauthorized and fraudulent accounts listed with American Accounts Advisors , Inc., that do not belong to me. I continue to receive harassing and threatening telephone calls from representatives from American Accounts Advisors , Inc., representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 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: NC

Complaint narrative:
Just recently i received an alert that a collection was placed on all XXXX of my credit reports, the collector showed as Midwest Recovery Systems with listing of an orginal creditor of XXXX XXXX i have never done business or had an acct with this company i was somewhat surprised.As far as the collector Midwest Recovery Systems i had dealt with this company once before, where they fraudulently posted another collection to my credit report and later after filing a complaint they removed the fraudulent collection.To me apears this company does this fraudulent activity on a regular basis to many consumers time and time again. Today they commited to serious violations.Violation # XXXX they send no letter/bill or any correspondance before putting a collection on the consumers credit report, not allowing consumer the opportunity to ask that debt be validated. Violation # XXXX The state of NC requires any collector trying to collect a debt from consumers living in the state to be licensed in the state, Midwest Recovery Systems is not licensed to do business in the state of XXXX.That could be another reason they dont send consumers documentation/letter or bill for these fraudulent debts, since that would provide a paper trail for the consumer to provide proof of their violation to the north carolina attorney general as proof aof an unlicensed debt collector who is in voilation of the statue which carries a considerable fine.But i will still contact the North Carolina Attorney General and as what documentation they need to prove that Midwest Recovery Systems had indeed contact me about a debt and is doing business in the state.So XXXX the violated the F.C.R.A and XXXX Violated XXXX law.So i expect this ftaudulent collections be removed from my credit reports within the next XXXX days, if not i will discuss this locally on my options to pursue this via the legal system and report to the state agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 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: TN

Complaint narrative:
I started making payments in 2007. My balance has been {$26000.00} ever since. ACS is the website I make payments and XXXX must be servicing the loan. I 've paid {$11000.00} over the years, {$9000.00} toward interest, and {$1400.00} toward my balance. If you do n't see anything wrong with this, how do you sleep at night! Do I really need to say anymore? {$9000.00} in interest? {$1400.00} to Principal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Management Services, LP
State: CA

Complaint narrative:
On behalf of XXXX, a debt was settled through XXXX XXXX , XXXX . Some months later, Capital Management Services , LP tried to collect the same debt. I wrote to Capital Management explaining their error and received no response. Capital Management continues to send mail demanding payment. 

Attachments : 1. My letter of explanation to Capital Management 2. Capital Management 's demand for payment 3. Settlement letter from XXXX XXXX 4. Canceled check sent to XXXX XXXX with reverse stating " For Deposit Only, XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I have in my credit twice for a loan for {$480.00} for Midwest Recovery Systems and XXXX and will need notice to remove this from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 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: PA

Complaint narrative:
My husband and I have a lot of student loans from his time in XXXX school. We are both employed and are working hard to pay them off as quickly as possible. We would like to refinance them in order to receive a lower interest rate. In order to refinance, I need to obtain copies of current statements of all of our loans. With XXXX of our lenders, this was a very easy process, and I was able to retrieve the statements electronically on the website. But with the other lender, I was not able to retrieve the statement for myself. After a lot of searching, I finally found instructions to email customer service. I did so on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a response stating that due to their policies and because our account was on autopay, they would not be able to email or fax a statement to me but would send one via postal mail. I was not provided with any further detail on this policy or with a copy of the formalized policy. I was told, " I have generated a statement for you, however this statement will only be generated through standard US Mail. Please allow 7-10 business days for the statement to be received by mail. '' On XXXX XXXX, the 10th business day after this exchange, I still had not received a statement, so I emailed customer service again. I was told that the original email was not intended to communicate that a statement was actually generated on XXXX XXXX ; rather, a statement had been generated on XXXX XXXX, and I should expect it within 7-10 business days from XXXX XXXX. I have not received any acknowledgment that I was misled in the original email other than customer service saying that they are sorry that I misunderstood. XXXX XXXX, yesterday, was 10 business days from the second date I was given, and I still have not received a statement. Throughout my emails with customer service, I have tried to clearly express exactly what is the cause of my frustration and have received only the tritest replies. I have never actually even been given the name of the person responding to my emails ; they are all signed " Thank you, XXXX XXXX. '' I find it absurd that 1 ) I was not able to retrieve the statement myself, and 2 ) it is now nearly a month since my original request, and I still have not received a statement. I need this statement in order to refinance our loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Looking at my credit report there is a loan I did not get.I called XXXX XXXX corporate office, talked to a XXXX and a supervisor after much investigating they could not find anything with my social or name.They asked me to call Midwest Recovery the collector, The woman XXXX was very rude, when I told her my situation she said XXXX would not have my information cause the loan was sold.I asked when and where the loan was taken out she said XXXX XXXX my well I have never been there, after several attempts of going back and forth XXXX XXXX advised me to file with YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC
State: VA

Complaint narrative:
My load was sold to CMC Funding ( XXXX ) XXXXThey keep delaying my loan payments so I pay fees on my mortgage loan. I talked to many people there and all they say is " not in out system yet, it will be mailed next week '' my payment is due soon and they still are not providing any information on how to make my payments..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
the company is attempting to collect a debt that is and was in the wrong amount as the items were damaged that was received and had been notified of the damages upon receiving them therefore i will not pay the amount asking by the company and will only pay them XXXX dollars to remove this item and never do business with them again

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 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: MD

Complaint narrative:
My private student lender sends me a bill with a due date. The bill due date is also on my on-line account, where I pay my bill. It says that it is the first of the month. It is for XXXX loans, each of {$1500.00}. I have paid the bills by the due date with on-line payment, and the money has left my bank account, however my payment is not credited until a week later, and I have been reported as late on my credit report, even though I paid the bill by the due date. It is a " campus based '' private loan. I called with a concern about what is the due date it was vague, pay before the due date. I asked for an actual due date and they could not provide one except for pay several business days before. I asked what means XXXX or XXXX, please be clear. With a credit card it is very clear when one pays on-line -- such as payments made before XXXX XXXX. EST will be posted to the account that day, payments made after XXXX XXXX will post the next day. Banks are also clear with how deposits are handled, such as deposits made after XXXX XXXX. will post the next day. I think it is misleading to send me a bill with a due date, but in reality there 's another due you need to pay by that they wo n't give you. 

I submitted this complaint before and the company response was to a completely different loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: AL

Complaint narrative:
I applied for a {$500.00} payday loan online XXXX/XXXX/16. 
I later discovered that they are not licensed to do business in my State, which is Alabama. 
Nor do they meet the loan limits set by the XXXX regulator, thus I feel this loan is illegal and prohibited in the State of Alabama.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
We sustained loss due to ice storm. Insurance pd {$14000.00} which check we signed and Priority mailed to PennyMac on XXXX XXXX, 2015 yet I had to beg for release of monies. I have spent over {$9000.00} in repairs and have only received from PennyMac {$4800.00} on XX/XX/2015. - I have repeatedly asked for more and sent receipts to loss draft dept. They then demanded an inspection at my added cost of {$40.00}, which was completed on XX/XX/2015 and declared at least 70 % repaired. Yet my requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX plus emails to loss draft have yielded no information on when or how much they will release next. How am I supposed to repair with no money? I paid for insurance and PennyMac is withholding my funds. On XXXX at XXXX pm I received a voice mail from XXXX at PennyMac saying I should receive a check on XXXX XXXX from XXXX. No amount specified. Really! It will probably be only another {$4800.00}. instead of the total. This is totally unacceptable. I have contractors who want XXXX up front and I have no money at all. I want all my funds released so I can finish the repairs. My husband and I are on XXXX and a XXXX. We have not had a kitchen in XXXX weeks and I ca n't pay contractors with no money from bank. There are additional code enforcements required from the Town building dept and I have to pay for those repairs before I can be reinbursed on a supplemental claim from insurance company and I forsee this saga lasting months from now. This is not right. The roof leaks but the roofer wants XXXX of the {$7400.00} to repair up front. This just goes on and on. We applied for a loan to speed up the fix and were denied. I have sent the bank all receipts for our out of pocket over {$9000.00} paid so far, yet they wo n't release our insurance money.

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 2017-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TCF FINANCIAL CORPORATION
State: DC

Complaint narrative:
My mortgage was transferred to Chemical Bank 3 months ago. Every month the bank has assessed me a late fee. I 've made my payment on time however the bank is not applying the funds to my account for several days, causing the late fee. The bank has waived the late fee each time I 've phone in. I 'm frustrated that I have to take my personal time to call the bank for a mistake they are making.

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 — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
On XX/XX/2016 I received a alert about a XXXX account added to my credit report. I have no collections on my accounts and all my account are up to date. The company is named XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, MO. The amount is for XXXX I never received notices to contest this account. I submitted a complaint with the XXXX of XXXX XXXX. XXXX and the BBB. This company just posted this account on my credit report without due process of validation of ths debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates
State: VA

Complaint narrative:
XXXX XXXX sent my bill to Hillcrest collection agency in the amount of {$2700.00} without any bill or notification. XXXX XXXX refused to allow me to cancel services on a house I no longer own. They have sent no bills or notification letters asking for payment. I have on several occasions attempted to contact them to no avail. I have also emailed them to try and resolve this issue. All my calls go to a voice mail and are never answered. This issue has been going on for close to a year now and it has affected my credit to the point where I am unable to get a loan. XXXX XXXX says I owe {$2700.00} for another 5-year contract. I contacted Hillcrest collection agency and explained the issue and I was told that they did n't care even though that this account should n't even exist. I do n't know what else to do to resolve this issue. I just want XXXX to cancel my account and stop causing me and my family problems and I want this removed from my report. XXXX XXXX is a fraud and they should n't be allowed to collect money they are not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: WY

Complaint narrative:
There is a repossession from DT Credit on my XXXX credit file that does not belong to me I contacted XXXX and DT Credit and they are not helpful about removing this fraud account

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 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC
State: MO

Complaint narrative:
Original loan required PMI insurance due to the slow turnover in our neighborhood and poor comps for home value. After 2 years of perfect payment history we paid for an appraisal and CMC Funding/XXXX would not consider it for removal of PMI. Our original loan was made with XXXX, however the loan was sold to CMC Funding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 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: TX

Complaint narrative:
They have been calling and harassing my employer, my parents, my kids while they are at school my in-laws, sister-in-inlaws being very rude to them threating them.

Company response to consumer: Closed with explanation