vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
My Direct deposit is not showing up I cant get in touch with anyone through Rushcard this has been a big hassle for me all their nimbers are busy constantly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
SourceRM is calling 2-3 times a week, after having set a date to pay this in full. However, each time they call, they are derogatory and insulting in how they speak. Between all these calls they are harassing me at work and at home. Ive called and spoke to the manager as well. Ive set a date to pay this in full, of which is only XXXX however, they keep harrasing me every week. I will be paying this in full on the XXXX of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Dear Sir/Madam, Scottrade refuses to remove known-to-be-fraudulent information submitted to my XXXX file. 

Please see the attached. 

Sincerely Yours, XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: TX

Complaint narrative:
I wanted to info that i have been contacted several times by Drive Time with collections efforts without being read my Mini Miranda rights with multiple Vmails with personal information, I shared this concern with managment at Drive Time and i got told that even though the state of Texas inforces the mini miranda to be read when debt is due, they ( Drive Time ) as a company are excepted and dont need to advise. I am a little worried my information is being given without consent as well as my rights not being read.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Capital Management Services, LP
State: GA

Complaint narrative:
Capital Management is servicing a loan that I originally received from XXXX that purchased the loan ftom XXXX. The loan is currently in default. I was contacted by Capital Management exactly once on the phone. Since that contact they have proceeded to harass the cosigner of my loan with repeated phone calls to her job. In addition to being spiteful and unnecessary the cosigner of my loan XXXX XXXX XXXX XXXX XXXX. Their attempts to humiliate my cosigner in front of her employer are shameful, but tying up the main phone lines of a public elementary school is just reckless. I 'm reporting this incident because the last time I was harassed by a student loan company I reported the incident to the Consumer Finance Protection Bureau and the harassing phone calls stopped within days and have not resumed in the intimidating fashion and frequency they did prior. The cosigner of my loan, my mother, needs your help as do the rmployees and students if XXXX XXXX XXXX. Please take whatever legal action is possible and necessary to hold Capital Management accountable for their intimidation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
On XXXX XXXX I received a notification from XXXX XXXX that there was a change to my credit report. Upon checking my report I noticed an account sent to collections by Midwest Recovery Systems for a payday loan from XXXX XXXX XXXX that I did not take out. I received no notifications from either XXXX XXXX XXXX or Midwest Recovery Systems informing me of the debt nor were there any attempts to collect. My first time hearing of this account was when I received the notification from XXXX XXXX and signed in to check my reports. Furthermore, a XXXX search for XXXX XXXX XXXX turned up no results leading me to wonder if such a company even exists. I did not contact Midwest Recovery Systems as I fear this is a scam. Instead I disputed the items with XXXX and XXXX and filed complaints with the XXXX, the Missouri Attorney General 's Office ( Midwest Recovery Systems allegedly is located in Missouri ), and the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: MD

Complaint narrative:
I borrowed the money my financial situation had changed. I made payments, than missed payments now the intetest charges are outrageous. I would like to pay back the loan minus all the interest charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP
State: NV

Complaint narrative:
This debt was settled and paid in full to a different firm. Capital Management Services LP is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
I USED MY VA BENEFITS TO PURCHASE OUR FIRST HOME HERE IN XXXX. AFTER SOME TROUBLE WITH THE MORTGAGE BEING BOUGHT BY PENNY MAC WITHIN 15 DAYS OF MY SIGNING THE PAPERWORK, AND WHO DID NOT INFORM ME WITHIN THE ALLOTTED TIME THAT WAS NECESSARY, WE THEN WERE CONTACTED BY A XXXX XXXX, A Senior Counselor FOR XXXX ( Cell:XXXX, Dir or Txt : XXXX T : XXXX xXXXX F : XXXX Email : XXXXXXXXXXXX | XXXX ) WE PAID {$3500.00} TO THIS PERSON TO HELP US REFINANCE/MODIFY OUR LOAN BECAUSE WE WERE PAYING 4.25 % INSTEAD OF 2 % THAT WE WERE TOLD I SHOULD BE AS A VETERAN. HE THEN IN TURN SUPPLIED US WITH " ATTORNEYS '' TO HELP US WITH THE MODIFICATION. THEY WERE : XXXX XXXX ( tel : ( XXXX ) XXXX x XXXX XXXXXXXXXXXX ) AND HER PARTNER XXXX XXXX XXXX ( XXXX ) XXXX x XXXX ( XXXXXXXXXXXX ) WE HAVE ALL THE DOCUMENTATION, EMAILS AND PROOF OF ALL CONTACT WITH THESE PEOPLE.THEY DID NOT REPRESENT US AT ALL!! WE FILED COMPLAINTS WITH THE DA 's OFFICES IN CO AND IN CA. WE HAVE ALL THE DOCUMENTATION. 
OUR HOME WENT INTO FORECLOSER WITHOUT ANY HELP FROM THESE PEOPLE, WE FOUND OUT THAT THEY PRETENDED TO BE MY WIFE AND MYSELF WHEN PENNEY MAC TOLD US OF THE PHONE CALLS THEY RECEIVED FROM US DURING THE TIME WE WERE NOT ALLOWED TO CONTACT PENNEY MAC. PENNEY MAC WOULD NOT SUPPLY US WITH ANY PHONE RECORDS WHEN WE ASKED FOR THEM. XXXX HERE IN COLORADO TEL XXXX ( XXXXXXXXXXXX ) STOLE OUR HOME KNOWING THAT WE FILED A MORTGAGE FRAUD AND IDENTITY THEFT CHARGE AND REPORTED THESE PEOPLE TO OUR LOCAL DA OFFICE, WHO THEN IN TURN TOLD US TO CONTACT YOU. WE WANT OUR HOME BACK!! 
THESE PEOPLE STOLE OUR MONEY AND THEN OUR HOME. XXXX KNEW OF THESE SCAMMERS AND STILL TOOK OUR HOME, WE DID N'T HAVE A CHANCE TO GET THIS RESOLVED BEFORE WE WERE FORCED TO LEAVE. MY WIFE AND I LOST OVER {$100000.00} OF SUPPLIES, STORAGE, AND TOOLS, RENOVATIONS FOR MY WIFE 'S XXXX TOTALED IN EXCESS OF {$75000.00}. PLUS OTHER MODIFICATIONS WE DID ON THE HOUSE XXXX WE LOST OVER {$100000.00} OF EQUITY IN THE HOME. 
WE HOPE YOU CAN RECTIFY THIS LOSS BY GETTING THESE PEOPLE TO REIMBURSE US THE MONEY THEY STOLE AND OUR HOME. MY CREDIT IS TRASHED BECAUSE OF WHAT THESE PEOPLE DID. WE CAN NOT BUY ANOTHER HOME FOR 3 YEARS AND MY WIFE IS XXXX AND RENTING A HOUSE HERE IS TOO EXPENSIVE.AND IS GOING UP BY {$1000.00} PER MONTH XX/XX/XXXX. WE HAVE ALSO BEEN TOLD THAT WE STAND A GOOD CHANCE OF GETTING OUR HOME BACK AS WE WERE VICTIMS OF FRAUDULENT ACT, WE CAN NOT AFFORD AN ATTORNEY AND CALLING COLORADO LEGAL SERVICES HAS GOTTEN US NOWHERE.. 
PLEASE HELP US, AS MY WIFE 'S HEALTH IF FAILING. 
WE WANT OUR HOME BACK!! 
PLEASE HELP US. 
YOU MAY CONTACT MY WIFE ON XXXX OR ME XXXX. 
MY WIFE CAN GIVE YOU ANY FURTHER INFORMATION YOU MAY NEED. 
THANK YOU XXXX AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LAND HOME FINANCIAL SERVICES
State: AZ

Complaint narrative:
XX/XX/XXXX we started looking for a new house. We found a model and an area that we wanted. 
We put money down, did paperwork, and everything else that 's required to get a home loan. 
The rest of the nightmare is listed in the attached Buying house.txt file along with XXXX other PDF files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: VA

Complaint narrative:
Good Afternoon, My name is XXXX XXXX, I am a United States XXXX Veteran who has been attacked by the company DriveTime constantly calling my work place and harassing me over a car that was repossessed in XXXX. A back story, after going through a very hard transition period getting back from XXXX, I became homeless in XXXX XXXX. I called DriveTime and told them I could not make the payments as I could not even afford my rent payments. I told them to come pick up the car and gave them the address and location. That was 2 years ago, all I had on me at the time was a cell phone and as I was sleeping XXXX I was still receiving countless calls at all hours over this car. I have been awarded a XXXX rating of XXXX through the department of veterans affairs and I finally got my life back together. I am now trying to purchase a home for me and my newly wedded wife and I can not because DriveTime has a collection on my credit account for XXXX/XXXX/XXXX which is absolutely ridiculous. This is a false time frame and it is seriously impacting my credit score. I am trying to finally be able to buy a home and I am currently in the position to do so but these people are fraudulently recording the date of collection on this car and it is dramatically affecting my credit. I have asked them to correct the date for which this repossessed and they have yet to do so. It is clear through the Department of Veterans Affairs that this car was repossessed way before XXXX XXXX because I went to the Department of Veterans Affairs in XXXX of XXXX and they set me up at the XXXX XXXX and XXXX XXXX located at XXXX where I was able to take showers etc. I was at fault for not being able to pay for the car but they took the car back, and I am still unable to live a life two years later because they have inaccurately and reaged my credit information. I would like this fixed.

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 2015-05-27 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: OR

Complaint narrative:
I am filing a complaint against my student loan servicer ( ACS ) because it changed the terms of my student loan without my consent and without giving me notice. ACS changed the terms of my student loan payments from principal + interest to an only interest payment. This complaint concerns a loan I took out to study for the Washington XXXX XXXX. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BlueChip Financial
State: CA

Complaint narrative:
I get several calls a day from a company called Spot Loan and when I answer the phone they hang up. They leave messages when I am not there to answer with a call back number I 've tried calling them back to see why they are calling me but they usually do not answer. Today I got a rep on the phone claiming I have a loan with them which I do not. I want them to stop calling me. I 've asked them to stop, they will not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 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: IL

Complaint narrative:
This account was paid off/transferred to another lender, XXXX, in XXXX of 2017. It still remains on my XXXX, XXXX and XXXX XXXX reports with late payments. Since the account has been paid off and I know longer owe ACS, I do not wish to have this account show up with derogatory statuses or late payments on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC
State: KS

Complaint narrative:
Got something in the mail and it did n't even say what the debt is. It dosnt even say when it was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
A foreclosure notice was issued in the XXXX, AL newspaper about my home. Until then, I had not received any notification from the mortgage holder, Greentree. After approximately five weeks of talking to Greentree representatives and the foreclosure attorney, I submitted the full amount of {$22000.00} to bring the account current. However, the payment was not accepted, and foreclosure proceedings continue. I 'd spoken with XXXX on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 and understood that a stay would be issued. 

I would like to stop the process and keep my home at XXXX XXXX XXXX in XXXX, AL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
My mortgage company erroneously reported that we were over XXXX days late on our XX/XX/XXXX mortgage payment. To date, we have NEVER been XXXX days late with any of our payments and this accounting error on their par has lowered mine and my husbands credit scores from XXXX down to XXXX because f Ditech 's error. We noticed this error on XX/XX/XXXX and contacted Ditech immediately to report, we called several times, each time getting a different story on how we were to obtain proof that they corrected, and I have emailed them requesting this as well and have yet to receive back up that they have corrected with credit bureau and will not send us a letter or anything stating they made this error and it was corrected with date of correction. My credit score is still XXXX or below due to this error and we are supposed to try to buy a new car since our car lease is up at the end of XX/XX/XXXX. They have also repeatedly charges us incorrect late charges and also XXXX allocated our check we sent for mortgage payment to another amount thus charging us late fees for their error. This time, it did us actual damage to or credit and will not respond with correction for us to use when we go to apply for lease for car. I have attached bank statements that show each payment totaling {$1100.00} per month ( our monthly payment amount ) highlighting the check memo that is printed with each payment that lists month, mortgage, and year on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
I have complained about this company XXXX through the CFPB and wrote both times that they were to stop calling any number they have for me. The XXXX complaint got no response and the XXXX XXXX I was un able to access the respone on the website. The CFPB said that the company recieved both comnplaints so I know they have seen the do not call me anymore message. Also I have disputed the known debts from this company and that should also be on record with the CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Ditech is managing a refinanced VA XXXX XXXX mortgage for me. I called them to find out why they are not reporting my mortgage to the credit bureaus and they said their policy is not report my type of mortgage. They could not give me a reason why and just said that was their policy. This has resulted in my credit report dropping over XXXX points because Im not showing a mortgage anymore.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
This account was paid in full, but world finance has submitted information to the credit bureau that I owe {$3100.00} but, the loan was for {$610.00} and I was taken to court for XXXX. The XXXX has been paid in full and I have attached the documents to prove it. I did receive a receipt for my last payment. Now world finance is submitting fraudulent information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
The mortgage was charged-off in XXXX. They kept threatening to foreclose until I paid. I had no funds until XXXX and learned I have been paying on a debt that was closed out years ago. They lied and said there was a lien on my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: World Acceptance Corporation
State: NJ

Complaint narrative:
Calling my children 's phone number and leaving a threatening tone on their voicemail which has caused panic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
A loan that I took out in XXXX was grouped into a XXXX then I refinanced it in XXXX. The original loan was paid off through the refinance. I have a letter of satisfactions in XXXX XXXX records stating that the loan has been satisfied. Currently I am facing foreclosure proceeding to have my home sold by auction XXXX XXXX, XXXX. I have contacted the servicer, who by the way is the third servicers that has tried to foreclose on this closed loan, sent them a Letter of Validation, which they were to stop all proceedings until they answer, they have not stopped the sale and have not sent the correct answer in a timely fashion. The sent an outdated Notice of Assignment from XXXX, who was fined last year and part of it asset absurbed by XXXX XXXX Ditech Financial XXXX LLC. Ditech did not give proper Notice of the alleged debt, did not allow time to cure the alleged debt and only give 30 days notice, without answering The Letter of Validation of Debt, when they did send a response it was the out dated Notice of Assignment from XXXX and a late sent Assignment from Ditech which took over XXXX in XXXX, and their dated Assignment is in XXXX, which was only received by me in XXXX, XXXX, they have not answered none of the questions asked in the Letter of Validaton of Debt and over the past three years that XXXX has tried to foreclose they have never provided the name and address of the creditor. that they are collecting for. XXXX was summoned to court last year and missed all XXXX hearing. I spoke with the VA that guaranteed the loan that my husband secured with his entitlement in XXXX and they told me that they have not had any interaction with the loan since XXXX which is the month after the loan was refinanced and secured with a security deed by XXXX filed XXXX XXXX records. I do n't understand how they are trying to collect on a loan that has been closed for 11 years. I have not received any statements and they have not shown a true accounting for what they are saying is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
I 'm a victim of identity theft and someone opened up accounts in my name

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 2016-09-14 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
I originally receive a letter of pending wage garnishment from ECMC, providing instructions on how to request a hearing and submit information on how a garnishment of XXXX % would cause a financial hardship. I sent a letter stating my financial case and requesting a hearing/review within the allotted time. No contact from the company. The next communication I received was from my employer with a copy of an order of wage garnishment from another company called XXXX XXXX XXXX. I was never given the hearing or review that I requested.

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