vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Scottrade Bank Manager XXXX XXXX XXXX instructed me to provide me personal information in a manner that is insecure ( via unencrypted email ). Roughly 10 days after providing the information as XXXX XXXX request, my account was hacked. Scottrade refused to make my account whole and said I was responsible for the hack. 

To warn other consumers, do not trust this company. At the current time Scottrade will not even address my concerns. 

Attached is the correspondence between myself and XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-10-17 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: CA

Complaint narrative:
Cach llc is headquartered in XXXX, XXXX Cach llc has failed to verify the {$100000.00} debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification. I still have the document i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' And on my behalf, i have never had any contract or agreement to do any business with Cach llc, they are reporting illegally and i 'm furthering action in route to filing a lawsuit against them as they have not issued a removal of this debt from all XXXX of the credit bureaus. My complaint can be deemed satisfactory when in writing, the reported debt is recognized in error on the collection agency behalf, mailed to me and all XXXX of the credit bureaus, as it is currently reported illegally.

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 2016-01-29 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
Upon change from one job to another, I promptly informed the lender that my pay cycle has changed and I would require a change of my billing dates to XXXX that. I was told no problem and representative took note of future pay dates and loan payment cycle. However vendor continued to bill on regular cycle causing overdrafts and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Both accounts below are settled and closed. Should have a zero balance on credit report along with a zero past due amount. Please investigate and update credit report. Accounts are shown on both transunion and XXXX credit reports. 

Account # 1 {$850.00} BalanceXXXX XXXX XXXX XXXX XXXX ( Agreed to settlement and account should be closed with a zero balance ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Account # 2 ( Agreed to settlement and account should be closed with a zero balance ). 
{$620.00} BalanceGE XXXX XXXX XXXXAgain, all accounts were settled and agreed upon by both parties. Both accounts should be closed and show a zero balance ... .. Please see attached report from credit Karma ( transunion and XXXX ) show this balance still.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: SC

Complaint narrative:
I am a person that has gotten a car loan wit DT Auto Credit. When my loan is a day late, they call me XXXX times in a row. As of right now, my loan payment was due on XXXX and they have called me a total of XXXX times since XXXX about my payment. Even when I tell them what day I am going to pay my payment, they proceed to call me sometimes a the next week to tell me that the information has been kicked out of their system. When I ask to speak to a manager or a supervisor, they deny my request. I have call upwards of XXXX times to attempt to get to a supervisor, and they either refuse to answer my calls and put me on hold or they refuse to give me a supervisor to talk with. This is an ongoing issue that stems from their model. It goes from if you situation or finances change, they do not help or negotiate with you to ensure that you are able to keep your vehicle, I have been told before that I did n't need to pay my rent but pay my car payment, I 've been threatened with having my vehicle repossessed when my payment is no more than five to ten days past due, and they only let you change your payment cycle once during the life time of the loan. The harassing phone calls are the worst as well as their rude customer service people from the number XXXX. They call at XXXX and as late as XXXX at night.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: CA

Complaint narrative:
I have an institutional student loan serviced by ACS Education ( http : //www.acs-education.com/ ). As of a week ago, I began receiving emails at different time points regarding temporary verification codes after the implementation of two-step verification. Of note, I have n't tried logging in in the last week. I emailed ACS 's customer service email through their website and have not received a response. I called customer service right now and am told that these emails are automatically generated, are normal, and that there is nothing to worry about. 

To test this, I tried to log in with an incorrect password and no email was generated. I logged in with my correct password and the verification code was sent. I have since changed my password. This is not consistent with what their representative told me, so the representative was either dishonest or did not know better, both of which are responsibilities of the company. 

I think that ACS has not been forthright and an agent other than myself has been logging into my account without me knowing. I would like to know what, if any, information was compromised, and if the recent changes in implementing 2-step authentication were prompted by known activities beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
My father passed away XX/XX/XXXX. He had a mortage through PennyMac. The mortgage was being paid by myself and my sister through XX/XX/XXXX. The house is currently in escrow to sell ( not a short sell ). I am the trustee of my dad 's trust which includes his home. I have provided PennyMac all the documentation ( death cert, trust, copy of contract for the sale of the house etc ) in order to discuss loss mitigation and my options. pennyMac will not assist me by talking to me, stating they need a signed authorization to discuss the loan. My father can not provide that as he passed away. I am worried that before escrow closes ( set for XXXX XXXX ) that foreclosure process 's will start. I do not understand how PennyMac can not speak to me regarding the loan, how they cant se4em to understand my father is dead. I have been very proactive in trying to avoid foreclosure. Please help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC
State: KY

Complaint narrative:
I applied for an equity credit line only to be declined because unbeknowns to me the mortgage company had placed a lien equal to 150 % of the loan on the property. I 've contacted the company, CMC Funding ( they use XXXX to service their loans ) regarding releasing the additional 50 %. After several emails and XXXX phone calls assuring me that they would be quickly getting back with me I have heard nothing from them. My request was pretty simple but they seem content ignoring me. If by chance I did sign something in the closing documents that allowed then to increase the lien on the proerty to 150 % of the loan value it was done in a very deceptive manner. None of the previous loans that I have had ever had anything like this and if something this restrictive was added to the loan documents it at a minimum should have to be made crystal clear to the applicant as part of the truth in lending. It appears to me that if I took action using the Kentucky Revised Status that they could consider me in default of the loan, which seems absurd but even my personal bank did n't understand the process and that is why I 've tried to deal with CMC/XXXX regarding this issue in a civil manner but apparently they do n't operate under the concept of real customer care. If I had known I would have either negociated it out of the terms of the loan or found a different mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: NY

Complaint narrative:
Midwest Recovery Systems altered date that a charge-off was entered by 9 yrs. Charge-off was removed from my credit report almost 2 yrs ago. Midwest Recovery Systems changed date of last payment in order to put debt on credit report .Then offered to remove if I agree to a settlement. Resulted in almost a XXXX point drop in credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
Had a collection notice from midwest recovery services appear on my credit report for a payday loan front XXXX for {$770.00}. After checking with them I was told there was a loan deposited into an old bank account in XX/XX/XXXX however I contacted the bank and that account was closed in XX/XX/XXXX and I filed bankruptcy in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: SC

Complaint narrative:
I purchased a car XX/XX/XXXX. At the time I had filed a chapter XXXX bankruptcy. I had just completed my final hearing. I lost everything. After being advised by my lawyer, I was cleared to find a car. I had to have a car. I went to drive time in XXXX, N.C to purchase a car. I was asked for a final hearing letter from my bankruptcy. The car was approved and I was told with more money down, I could reduce my interest. I did pay XXXX dollars down. I have had a excellent payment history. Around XXXX XX/XX/XXXX I noticed a drop in my credit score. Drive Time had deleted my account from all credit files. As of date, it has not been placed back. I am told, the credit bureau will not allow it. After speaking with XXXX credit, I am told this is not true. Why are some account being reported and my account is not? Did drive time illegally sell me a car? What are they hiding and why is my credit score suffering XXXX to?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
This collection agency is on my credit report on the XXXX its on there theree times. I never applied for payday loan. I never even heard of XXXX XXXX. I am thinking my idennity was stolen or its a scam. I never received any info on this. I do want this taken care of and off my credit reports. I have spoken to the state police bout this. I would like to know who did this so charges can be pressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Reliant Capital Solutions, LLC
State: MI

Complaint narrative:
All of my Student loans were discharged, not in bankruptcy, but because I had been in and out of XXXX and was completely unable to pay. I am still unable to pay the 1983 debt they are attempting to collect now. It was not a Federal student loan as depicted, but a collection of fees from university of XXXX for things like parking tickets. The debt is decades past statute of limitations. This company keeps trying this with me under different names such as XXXX, trying to get me to make a payment thus obligating myself legally to whatever inflated amount they choose, because it worked once and I 'm still paying them. They are likely doing this to multiple people and need to be investigated. They have changed the name of their business again. I 'm sure if this amount was paid, they would come after me again with yet another moniker to collect under. This debt is both misrepresented as Federal and well beyond statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
My husband and I purchased a house in XXXX of 2013. We used a VA loan through XXXX XXXX XXXX XXXX. They told us what realtor to use. That realtor only wanted to show us properties his agency had and when we did choose a perfect property VA denied it because it had no fridge. They approved the house we purchased however even though there was no fridge. During the purchase the realtor would call us to his office to sign papers XXXX inches thick and told us he was on a deadline he had to send them back immediately. We needed to sign now and read it later and would not allow us time to thoroughly read everything before signing. He was pushing everything through as quickly as possible. We paid {$81000.00} for the place and a week after closing the other houses on the street started selling for $ XXXX {$65000.00}. We found out that our place was only worth XXXX. Now we owe XXXX more than the property is worth. There are a number of repairs that were supposedly done. None of them were done properly. Our local XXXX XXXX Fixed a few thing for us. There is so much wrong with the place that it is going to cost about $ XXXX {$200000.00} to properly fix it all. We have applied for and been denied for every government program out there. I feel like my family has been screwed. We have no options with the bank who owned the property before us. We were told we have owned the place too long. We are a low income family and ca n't afford all that this house needs. I feel like it is going to fall down around us. XXXX of the more expensive issues is that the house is sinking. There are springs that run under the houses on this street. The support columns do n't even touch the house because they have sunk into the ground. The floors and walls are cracking, the stairs are pulling away from the wall. It needs jacked up and stabalized. Is there anything we can do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: DC

Complaint narrative:
I 'm being harassed by a lender who both charged me fees/interest I did n't expect and also would n't stop charging my account despite calls/emails. I also have received threatening emails and calls, but no actual paper work despite appeals for information in writing. I also submitted a formal letter asking for information when i lost my job, but no information was provided.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: BlueChip Financial
State: CA

Complaint narrative:
Spotloan was the lenders i went with. I had to close my bank account beacuase spotloan charged me on the XXXX and not on the XXXX as I was expecting. They took more money then I could afford and left me XXXX in my account. I had to change banks. I also recieved a call stating they were going to take the remaining balance on the loan.So that they were insured it was gon na be paid. I also closed my account based on that. I 'm on XXXX and they asked that when I signed up and my payments were almost XXXX dollars a payment. It 's surely a scam. Please help me! Having to change banks has messed up both my XXXX and my sons XXXX checks and now I 'm stressed out and scared please help me!! I had also setup {$100.00} payments with them and they took XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
RE : CFPB Case number : XXXX On XXXX/XXXX/XXXX, a representative from TSC A/R Solutions received an itemized statement to verify the balance due. ( see attached ). Identified as ( XXXX XXXX XXXX ), the itemized invoice and statement clearly and unequivocally states that the balance due from the patient is {$0.00}. 

The debt collection agency claims it is authorized to accept a settlement of 80 % of the balance due ( i.e. {$0.00} ) and if the consumer pays this amount ( i.e. {$0.00} ), TSC A/R Solutions will delete this account from their credit record. 

This is a deceptive and illegal attempt under the " pay for delete '' method, considering that 80 % of the balance due from patient ( i.e. {$0.00} ) is {$0.00}. This has possible grounds for legal action against the debt collection agency for which I may seek legal advice on the matter. 

Furthermore, it is important to note that since XXXX credit reporting agencies ( i.e. XXXX ) have investigated this trade line and have deleted this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: COMMERCE BANK
State: KS

Complaint narrative:
I just looked at my bank account & saw that a {$2.00} transaction was submitted causing an overdraft of {$36.00} because I was {$1.00} short. I was told it was a paypale transaction. I went to the bank to complain, Commerce Bank and talked to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX ( XXXX ) XXXX & got NO Where. I 'm not an OPT-IN customer. so I would rather of had the transaction rejected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-30 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: AL

Complaint narrative:
I just recently saw an account that appeared on my credit report from Midwest Recovery Systems. I have never received any type of letter, bill, phone call, or anything from this third-party debt collection company. They have not verified or validated any type of debt with me. I do n't know who they are collecting for but I do not who these people are and do n't owe any original creditor this amount of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: SC

Complaint narrative:
Drive Time has to be the worst company by far. After being harassed the first time around the company still can not get it together. I had to put money in to my car which my warranty did not cover, I faxed all the information requested months ago for deferments which the people I spoke with several times had stated was approved. But due to a payment becoming a few days late because my account was froze due to fraud they did not process the deferment. Which is causing it to show that I am behind {$700.00} + on my credit report. So when I contacted them again after numerous times of keeping in contact they told me to call back at the beginning of the month to start the deferment process over again. Well I called today and of course they could n't do it for the full amount they stated they would before and I have to fax where I had the repairs done again with the receipts ( which I do not have because I already faxed in to them once ) before they would do anything. I advised her that I do not have those why did her company not keep them on file and she stated they have no place to store them. Company 's usually keep records of these types of things but apparently not drive time. They go out of there way to make it difficult for anyone. Granted I have had this car for almost 3 years and my loan has n't budged due to the interest they charge. The car is falling apart and the company refuses to work with you. They can just have the car back. Its not worth the hassle or the headache or {$470.00} a month. All they do is take advantage of people and ruin there credit even more. I have recorded each call and plan on speaking with my attorney again due to this situation. Others should know how horrible of a company they are.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Mortgage was refinanced with new loan provider and old lender sent a debt collection letter after the account was closed. They required verification of personal information and then claimed it was required by federal law to say that it was debt collection letter when no debt exists.

Company response to consumer: Closed with explanation