vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-16 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: IL

Complaint narrative:
I have a rushcard and they sent out an email last week saying they was going to be doing updates on XXXX/XXXX/2015. That was fine and went I went to check my account the little I did have in there was gone. They made an statement that whoever was getting paid 2 days early or the day before will not get it until their payday. Today XXXX/XXXX/2015 is my payday and I have n't not got anything. I check my card on XXXX/XXXX/2015 it was money on my card and then when I went back to check it again it was gone. I have bills that are due and kids that need stuff. Rushcard mess up everything. Once I get my money from them I 'm done. I have to pay a late fee on my bills and figure how to get the stuff my kids need. This is not fair. I been calling all day and I get the same story, that they trying to fix the problem and they will send out a text when it 's up and working. My plans had to get cancel cause of this. I have to figure out how I 'm going to get to work on Sunday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
To whom this may concern, I am writing in response to claims by Scottrade that they will not respond to the CFPB. This bad behavior by Scottrade appears to be a repeat of other bad behavior. 

In the attached you will see that Scottrade for a period of no less than 2 years hide behind the OCC while defrauding regulatory agencies by maintaining the veil that their company has less than XXXX in assets.

Company response to consumer: Closed
Consumer complaint received 2016-04-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services
State: MA

Complaint narrative:
XXXX back in school he can not make payment. I am co-signer and an XXXX years onld with finncial hardship. ACE refuses to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I have a Veteran Loan backing with PennyMac Loan Services , LLC. 
PennyMac has in escrow my money to pay my property insurance. 
PennyMac did not pay my property insurance when due. MyProperty insurance had expired & PennyMac will not pay the inpoundmoney for the property insurance.

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 2016-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX sold my mortgage to a mortgage company called PennyMac out of XXXX XXXX, California. My account had been delinquent with XXXX when it was sold. I was catching my mortgage account up by paying XXXX payments around mid XXXX and XXXX turned over the last payment that I paid before the loan was sold, that made XXXX payments that was received this month, on the XXXX of XXXX I sent another payment, that 's XXXX payments, which only left me due for this month, XXXX. I got home this afternoon XXXX XXXX XXXX XXXX the mortgage company Pennymac had come to my house and left a sealed envelope with my name saying confidential on my front door, with the same information that was sent to me in the mail from them. Why do they need to come to my house, this is not a rental house and I did n't expect to be harassed by my mortgage company. Would this be because I 'm a woman and there is only XXXX name on my mortgage which is mine and it makes me an easy target. I just talked to my assigned representative yesterday over the phone and she noted my account for the last payment I sent. My mortgage is due for this month ( XXXX ) and Pennymac has already decided to be a thorn in my side, needless to say how upset I was about this, I called them and the only thing the rep told me was he would notate my account. If the mortgage company is making contact with me why are they coming to my house? Do n't appreciate this kind of business ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
This payday loan was opened back in 2012. I joined a payday loan support group shortly thereafter. To my understanding, the support group sent out validation letters to all the payday loan companies that I had done business with. No letters came back proving that these loans were valid in Florida. Since then I have been contacted by phone calls at home and at work. And now this has shown up on my credit report in collections. I tried contacting the payday loan support group that I joined but they are no longer in business.

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 2016-06-13 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: NY

Complaint narrative:
Currently have federal student loans through ACS and trying to consolidate multiple student loans into a Direct Consolidation loan. Upon completion of application through the Dept of Education my consolidation was denied becuase my current servicer, ACS, stated that I had XXXX balances on all my student loans. Per my National Student Loan Data System report my current balance is {$140000.00}. ACS is preventing me from consolidating my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: CA

Complaint narrative:
Drive time charges its customers a convenience fee if you call or go online or into a store to make a car payment. Also they overcharge their customers for things like on star and car insurance but refuse to give a refund if cancelled? is this even legal? How many cars have they sold that within the XXXX year the tires went bad or it had some kind of mechanical problem. They are taking advantage of people who are trying to rebuild their credit and that 's just not AMERICAN of them!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
My dad under the emergency contact was called. I was told I was being looked for. That they needed location information on me. I thought at XXXX I was in legal trouble. It come to find out the XXXX Store contacted a collection agency called National Credit Adjusters at XXXX. I did not know military and their dependents are not allowed payday loans. That was not found out until a year after the payday loan. I was never asked the question if I were or not. I am not for sure of TX laws on that. As well I did not know a payday loan could send you to an collection agency. I was told could settle for {$470.00} I would have to start payments right away. That the company is not willing to wait any longer. I told the lady over the phone their not my XXXX priority to even pay I have other bills to pay that are more important right now. I did agree to XXXX every two weeks. I am starting to regret this agreement because I felt rush. At the time of the payments I was making only {$500.00} a month at my job. The total payday loan including interest was {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I have sent 2 certified letters to American Account Advisors Inc., the first letter was dated XX/XX/2017 delivery confirmation number is XXXX, the second letter was dated XX/XX/2017 delivery confirmation number is XXXX, both my letters are attached to this complaint. 
My letters to American Account Advisors Inc were requesting validation, including evidence bearing my signature, showing that I have or ever had a contractual obligation with American Account Advisors Inc. My letter included instructions to verify the debt or remove the negative markings for accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX from my credit report. 
American Account Advisors Inc. neglected to respond to my letter from XX/XX/2017 within 30 days and have violated the FDCPA 807 [ 15 usc 1962e ], as of XX/XX/2017 the items are still reflecting in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
Dear Sir/Madam : My husband and I were contacted by PennyMac Mortgage inquiring whether we wanted to re-finance our existing mortgage with them on property we own in XXXX, XXXX We declined, but agreed to apply for a mortgage on property we own in XXXX, XXXX. This property includes a newly constructed home. We began the application process with loan originator XXXX XXXX, and completed the necessary paperwork with a loan processor who requested identical income and tax information multiple times, and requested my online password in order to access my account. When I declined to provide my password and asked to speak with a supervisor, she said she would return my call. I subsequently learned that she had left PennyMac 's employ. After several more phone calls and many weeks, we received notice that we had been rejected for the loan because of inadequate income, however, the loan processor had miscalculated our income by nearly {$2000.00} per month. We requested and received a refund for the property appraisal fee of {$320.00} which we had paid to PennyMac with our application. XX/XX/XXXX, we were contacted by XXXX XXXX ' supervisor, XXXX XXXX, who reviewed our original application and assured us that the loan processor had made a mistake and we did, in fact, qualify for the new loan, which represented only 40 % of our property 's appraised value. We provided the appraisal, done only weeks earlier with our construction loan, however, we were told that PennyMac required their own appraiser and that we should restart the loan process with another {$320.00} appraisal fee. XX/XX/XXXX, we paid the fee again and re-submitted paperwork to XXXX XXXX. We were told that he would be working with the underwriting department directly and that the loan should close within 30 days. Instead, we kept getting more requests for additional financial information previously provided. 
On XX/XX/XXXX, after more stalling and no response to our emails or calls, I learned that PennyMac had, without authorization, run my credit again, resulting in a significant drop. This inquiry was NOT authorized, and in fact, I told XXXX XXXX when we spoke by phone that if it was necessary to run our credit again to resubmit the loan application, I would not be proceeding He assured both us that the credit information PennyMac received in XXXX would be sufficient After learning that my credit was damaged and the loan was still in limbo, I called XXXX XXXX asked that the loan be cancelled and all monies refunded He sent an email saying the {$320.00} would be refunded. I have yet to see it and I have followed up with emails to XXXX XXXX, XXXX XXXX, without response since XX/XX/XXXX. It appears that both may now have left PennyMac. 
Please let me know if you are able to assist

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
PennyMac received all my completed documentation package prior to 37 days window of foreclosure. They are dual tracking! Declined Buyer offer without counter and continue to process foreclosure. Buyer in good faith has raised offer. PennyMac Buyer offer is very close to XXXX price. PennyMac to put simply is dual tracking and fails to negotiate in good faith ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Dynamic Recovery Solutions, LLC
State: MI

Complaint narrative:
Hello, When I just come from XXXX, I had XXXX years old, much everyting seems to be new and different to me. I start working, but I did n't know that there were people that was planning to make me feel sick and XXXX by bringing me to problems that they sure n't can involugrate me on, i were not inform of much and they violate my trust and laws of respect, dignity and identity, and now I have been harassed by collections agencies, for example this one that I just find in my mail today from : Dynamic recovery solutions original creditor : XXXX original account number XXXX current Creditor : XXXX DRS Account No : XXXX Current Balance : {$10000.00} I feel they just have been disturbing my patience, and they try to charge something that I dont have, something that I did n't purchase. I hope some one can help me to stop the corruption and harassment they have been planning against me and good people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16 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: TX

Complaint narrative:
I have been paying my student loan through ACS Education Services for 10 years. Never missed a payment, and have never been late on a payment until recently because we are going to pursue legal action. My principal balance has increased instead of decreased. All my payments are mostly applied to the interest and not the principal balance. I am on a FIXED rate plan but the interest seems to be variable and calculated by which day i pay. ACS is saying i owe more than what i originally took my loan out for. How is that possible? In the end they want me to pay DOUBLE what my original loan amount was. How can they get away with that? I understand that some of the payment needs to be applied to interest, but the majority of it should not!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: CA

Complaint narrative:
These people are not licensed to perform XXXX XXXX excessive interest rates XXXX operations in the state of California or the USA. They are charging me a interest rate of % XXXX and the department of business oversight of the state of Ca. said that they can not do that. Their phone number is 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 2015-06-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: SC

Complaint narrative:
DRIVE TIME, INC leasedMANAGER XXXX XXXX XXXX, XXXX XXXX, XXXXMAIN ADMINISTRATIONFOR LEASING DEPARTMENTLEASED CARS ARE A LEMONXXXX.XXXX REFUND WANTED BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: BlueChip Financial
State: AZ

Complaint narrative:
I received a call today from a blocked number stating that they are court processor for XXXX XXXX and that I am being served an arrest warrant at home or at my job within the next XXXX minutes. When asked for further information they gave me this number and file # XXXX # XXXX I was then transferred to their " legal dept, XXXX XXXX '' Who then state that their company name is XXXX.I called a credit attorney and was told that there are too many red flags and that it does not appear that this company is legitimate and that they are not allowed to harass me or threaten with jail time.I then called the XXXX # again and the guy said that my file had been transferred somewhere but that he was not aware of and then proceeded to try and tell me why I did n't pay and that the XXXX address was from a XXXX XXXX office and why was I online while at work. I asked for a debt validation letter but the guy stated that I owe the debt and that he already sent several notices last year. He the mentioned the debt was from 2014 of which I then reminded him that I filled a bankruptcy back them and that is why I am asking for a debt validation letter. XXXX refused.

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 2015-07-10 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Brennan & Clark, Ltd., LLC
State: CA

Complaint narrative:
A collector from a collection agency contacted our office today. This was during a time I was yet in the office ( I am the XXXX XXXX ) so he instead spoke with our receptionist. The following is the receptionists written account of the conversation, " XXXX XXXX said this matter is urgent and was upset that none of his messages or XXXX letters have had a response. He said if this matter is continued to be ignored the legal matter will have to escalate. He then started asking me if we had a lot of attorneys or collection agencies call us. Or if we were filing for bankruptcy. I told him that this was not something I would comment on and I would pass his message along. He was really rude to me and said 'well, be sure you give my message this time. ' He said he would be in his office until XXXX today. " This is completely unethical means of communication. Not only, was this phone call harassment it 's also slanderous for both the owner and the business. XXXX XXXX is not allowed to speak with anyone other than the owner about this matter. He should not disclose information or make slanderous accusation such as, " [ do ] we have a lot of attorneys or collection agencies calling us. Or if we were filing for bankruptcy. '' For XXXX XXXX to have expressed this to the receptionist is unacceptable.

Company response to consumer: Closed
Consumer complaint received 2016-09-12 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: OH

Complaint narrative:
I sent the following email on XXXX : On XXXX/XXXX/XXXX I borrowed {$400.00}. To date, I have paid {$660.00} for this loan. I recently had XXXX the XXXX and was off work for 2 weeks with no income. Since coming back to work from XXXX, I 've been experiencing less hours and thus less pay. It is becoming a real hardship for me to have $ XXXX taken out every pay. I 've already paid back the {$400.00} and then some. 

Since XXXX XXXX, I have borrowed approximately {$1200.00} and paid back approximately {$1800.00}, not including this current loan. This included sending in money orders. I have been a good customer and never defaulted. 

I asked if they would consider marking this load paid in full. Their response on XXXX : Unfortunately, you do not qualify for a settlement at this time. 

Your current Spotloan payment schedule is at our maximum duration. We are unable to lower your regular payments any further by extending your payment schedule. 

For either a half payment on each payment due date or a single payment per month, we can offer the following choice : Turning off your automatic drafts and mailing in whichever option you prefer in the form of a check or money order. That way you will not have to call in two business days before every payment to set up your arrangement. Please let us know if this works at least two business days in advance of your XXXX XXXX payment of {$73.00}. 

I stopped automatic drafts from my account and was planning to send {$40.00} every payday. Their response : Thanks for contacting me. I 've updated your account records to show that you have declined automatic payments from your bank account. 

You can also mail checks and money orders to : Spotloan XXXX XXXX XXXX XXXX, IL XXXX Account Number : XXXX As a friendly reminder, your next payment of {$73.00} is due on Wednesday, XXXX XXXX. 

When making smaller payments than what is scheduled, as a friendly reminder does accrue additional interest meaning you will extend out the life of the loan to a further duration. 

I still was not able to make a payment on XXXX XXXX, even {$40.00} without severely compromising my financial situation. Now the loan balance is {$450.00}. 

I do n't even think this loan is legal in my state of Ohio. 

They advertise that you pay down the principal with every payment. They advertise on their website : When you use a Spotloan instead of a typical online payday loan, you can save as much as 50 %. There 's no nickel-and-diming with fees, no balloon payments, and no surprises. I have n't found this to be the case, even making my payments as scheduled. They never give you an itemized statement of payments and how payments were applied. 

I also found it strange that there are 2 addresses for this company, one in Illinois and one in North Dakota.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 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:
I have been receiving letters and calls from XXXX funding about a debt they claimed I owed. A few years ago, I asked them to provide proper validation that it was mine ( a statement from the original creditor or even the signed agreement that I signed up or agreed to the credit ) but they could not do so, so I requested they remove the collection from my credit report and they did. 

Then it looks like they sold that debt to Capital Management Services , LP and they are now claiming I need to pay THEM. When does this end? The alleged debt from what XXXX told me, was from YEARS ago supposedly ... is n't there a Statue of Limitations on how long they can keep contacting me and threatening me to pay them this debt? Please help ... this is not mine to owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed