vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I contacted Penny Mac Loan services on XX/XX/2016 during their normal business hours to make a payment. Made my payment over the telephone for {$1700.00} but it was not showing up on my account online account as pending when I logged on today.. I made another payment today to avoid any late credit reporting.I 'm disputing any late credit reporting as I made two payment in a month time. I attempted to put today 's date of XX/XX/2016 said payment would be posted XX/XX/2016. Disputing any late credit reporting as I made a telephone payment on Saturday, XX/XX/2016. I want this issue investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 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: OR

Complaint narrative:
I got my loans through XXXX XXXX. They were taken over by Acs. I have multiple late payments on my account. I have disputed all of them and had some removed because Acs " had no record '' even though they had reported to credit agency they were late. After multiple disputes, I was able to get some off. I expreressed my frusterated to Acs multiple times that when they had reported these late payments that there was no person to talk to when I initially got my loans bought by them. It is not since this last two years have they changed their system. They will not now backdate any of my deferements or forbearance and are reporting I am late, even after I used their automated system to get my payments postponed. I told them my loans are being consolidated. I never have had any issues with my XXXX loans or when XXXX had my account, only Acs. There are multiple times I have applied for postpone payments and then they are showing up late. It is so hard to work with a company that is not accurate on reporting their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Routhmeir Sterling Inc.
State: OR

Complaint narrative:
I have recieved a letter from First nations Collection bureau inc. In this letter they claim that XXXX is the creditor as well as Routhmeir Sterling inc Asset Management. This is FALSE. XXXX was sold XX/XX/XXXX to XXXX XXXX inc which continued to run it as wholly owned subsidiary. Class action suits began XX/XX/XXXX, They settled with the governmental agencies and this constituted the largest settlement ever against a credit card company for widespread unlawful business practices. I received a check as part of this settlement. XX/XX/XXXX, XXXX XXXX was seized by the federal government and then sold to XXXX XXXX. I have spoken with a XXXX executive named XXXX XXXX XXXX ext. XXXX. She assured me that XXXX does not collect on accounts that are as old as this. So, with that said, XXXX XXXX XXXX XXXX and Routhmeir Sterling are committing several crimes in trying to collect this debt. Fraud, violation 's of both Federal and state law 's. They obviously have no right to try and collect any debt from me as neither company posses a state license to operate as collection agency in my state. XXXX bought up the bank that bought XXXX. They do not have XXXX 's permission to try and collect this debt, I have spoken with a XXXX executive They list XXXX as the creditor and that company no longer exist 's. This is fraud as far as I am concerned. If either of these collection agency tries to put this on my credit reports then I have no other recourse but to bring legal action. for violation of the Fair Credit Reporting Act, violations of the Fair Credit Reporting Act, various state law 's and Defamation of character. They even sent coupons for me to make payments with, how nice of them. This company obviously PREY 'S upon people that do not know the law. They are continuing to try and collect a debt that I do not owe or is not mine. 
I am pondering the avenue of legal action against these companies at present.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 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: IL

Complaint narrative:
I received an email on my credit report that I have an alert. When I looked it up. It stated that I owed XXXX XXXX group {$740.00}. I was never notified of this from Midwest Recovery. I spoke to the manager and he stated it was taken out on XXXX XXXX with XXXX. I told him that I did not have an account with them and why was I not notified of this before it went on my credit report. He stated that he did not have my number or address, but he told me my address on the phone when we spoke. Then the date on the credit report said they recieved this on XXXX/XXXX/XXXX. He also say that it came from a third party but could not give me the numbers of the creditor or three party who is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
To Whom It May Concern, I 'm writing to you because my house is being foreclosed on. the sale date to my house is XXXX XXXX is my XXXX modification that ive been on. the XXXX modification was back in XXXX XXXX '. I submitted everything they asked me for. then somewhere along the line my application for the modification got lost thru their cracks. if they can pull recordings and time stamped on documents that I submitted in a timely manner if you may please help me. my contact info. I may be reached any time anytime. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems
State: IL

Complaint narrative:
I do not know who this debt is from. I do not recognize any of the names, nor did I receive and communication from the debt. What steps do I have to take to get this removed? I believe it is FRAUD! I contacted Midwest Recovery and they sent me a " Final Demand '' Letter that is dated for today. Another way to say " SCAM ''!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: IA

Complaint narrative:
On XX/XX/XXXX I got a call from XXXX and they said they collecting for American Credit Adjusters okay. I first set up payments paying XXXX that day with my debit card. That night my husband and I talked about it and pulled money from savings and I called back the next day and paid off the balance. So the full balance was paid XX/XX/XXXX. I have them both on my statements. So they say - we will send you a letter blah blah. Well we are in the middle of moving since my husband was separating from the XXXX XXXX, and to be honest kinda forgot about the letter. Fast forward 3 months and we are trying to buy a house. My lender pulls our credit report low and behold- a new collection account popped was reported XX/XX/XXXX- and blows our credit score way down. I was furious we had an offer on the house and waiting to close. I called National Credit Adjustors, and ask why was this reported XXXX when we paid it in XX/XX/XXXX!! All they said was sorry we will updated the balance to {$0.00}! No I said I need it removed. She said sorry we do n't do deletes here. You just cost me my house! and they refuse to remove it even when I paid it 3 months ago!! How can they report it AFTER it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 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: CA

Complaint narrative:
I have a consolidated loan through ACS Education Services. We have submitted on 2 different occasions applications for the federal Teacher Loan Forgiveness program. I had also submitted a different loan forgiveness application to XXXX and my application was immediately accepted and the loan was forgiven. ACS Education Services is continually coming up with different reasons to reject our loan forgiveness for reasons like " the signature dates by the Chief Administrative Officer and myself were not on the same date ''. Considering they have rejected my application once again, it 's the middle of the summer and I do n't see my boss for another month or 2. It seems quite obvious they either want me to give up on this process so they can keep collecting interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
I Deposit {$520.00} XXXX XXXX Ref Num XXXX To Loud My RushCard XXXX On XXXX/XXXX/15 XXXX My Acc Balance Is {$0.00} Custumer Service Is Not Avelable ( not one XXXX number is working I Ca n't Access to No Rep ) I Do n't Have Access To My Money Day 7 With No Access To My Money XXXX/XXXX/15 XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: VA

Complaint narrative:
Currently, I am having my money deposited on my Rushcard. About two weeks ago, Rushcard stated that they 'll be updating their system and within 3 hours we could n't view our accounts nor withdrawal money. A couple of weeks have gone by and I still can not access my funds. I 've called customer service numerous times and have gotten hung up on. When I finally got a hold to customer service they tell me they ca n't do anything about it, and to give them my number and have yet to receive a phone call. At this point I 'm wondering if my direct deposit will even be deposited this week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
To whom this may concern, I am inquiring if Scottrade Bank will provide Identity Theft Protection Services for the failure to handle customer data appropriately. Specifically, in 2013, XXXX XXXX, a branch manager at Scottrade Bank instructed me to send personal information via an insecure channel ( plain text email ), I at XXXX XXXX 's request, I provided the information via email and was subsequently a victim of identity theft and theft of personal information. 

I am requesting if Scottrade Bank will provide me with retroactive Identity Theft Protection Services or Identity Theft Insurance. 

Sincerely Yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
No access to my account or my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I hold a mortgage with XXXX mortgage which I have been trying to get a modification XXXX then turned my mortgage to Sps servicing and resubmitted on several occasions modification papers but to no avail been denied ofor did not qualify .I feel like I am being desciminated against by XXXX I lost value in my home over XXXX probably to predatory lending after a XXXX and XXXX mortgae was taken out .My Intrest rate is 7 % I continually am turned down I fell behind because of a divorce and business sell caused by the divorce.Under the making home affordable nothing is being done to make my house affordable these banks have been bailed out but refuse to help minorities several friends have gotten modifications with principal reductions. mortgage forgivenesses but XXXX seems to not want to help me. Every month I am threatened with harassing calls by XXXX XXXX at SpS servicing about foreclosure.. I have asked for an account of where my payments are going to go if I start repaying what they want but get no clear answer..I want to keep my house and want a fair chance to do this which I am not given. I work I have a job I am not rich so I cant pay XXXX in back payment I would like a modification like so many others and these banks where helped by the government so they should be able to help us small guys

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: AL

Complaint narrative:
My payroll check is deposited on this card weekly. I was informed by Rushcard that system updates would take place on Monday at XXXX. It is Friday at XXXX. I have no access to my funds. I can not withdraw or make purchases with my card. My money is being held hostage. 1 day maybe, but XXXX. We have rights. This cant be legal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
my situation is rather strane but i have been a victim of identity theft someone was able to get my account information and use some type of replica card to withdraw funds out of my account from atm machine in the city of round rock and XXXX, Texas i have made multiple police reports signed affidavits, sent revital letters and also verification that i was a work the time this incident occured was XXXX. central time and i was at work in XXXX, Texas the person ( s ) were able to draft over {$1400.00} dollars out of my account .i have gotten nowhere with this institution because they are not doing a proper investigation on there end everything they have asked me to sumbit has been given to them they told me funds will be avail to me XXXX/XXXX/XXXX i was waiting for that day just to just call and be told my case was declined bc it was a atm transaction which i told them originally and they also knew and was able to stop and refund XXXX draft ... since this incident i have yet to recive anything in writing on top of all of this madness i have been a custimer since XX/XX/XXXX and have had my direct deposit setup i have now reopened the claim and waiting XXXX. This company is horrible they over talk me everytime i call and this issue seems to just keep going in circles my nxt steps will be legal action if i cant get the to give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
This collection agency place a collections on my credit reports that do not belong to me. They tried this last year too. 
GOLD KEY CREDIT INC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) 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 2016-02-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION
State: NY

Complaint narrative:
I inquired to Cach LLC in XXXX CO and XXXX XXXX about an debt collection action on my credit report. I made this inquiry on XXXX XXXX, 2016. I have not heard from them

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 2015-12-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I opened a Scottrade Bank account a while ago. Scottrade Bank closed the account without providing a proper explanation. I have requested an explanation from Scottrade but every time I call them they say they will only speak to customers and since my account is closed I am not a customer. 

I would warn others of this behavior, if you have any dispute with Scottrade, I would advise that you withdrawal all of your funds before brining it to the attention of Scottrade as it is likely Scottrade will place your money in limbo and not allow you access to it. 

Now Scottrade wo n't even respond to my complaints. If this is how a business treats customers, well, I will happily take my money elsewhere.

Company response to consumer: Closed
Consumer complaint received 2015-11-02 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 's 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 2015-10-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
Rushcard has blocked me from retrieving my funds out of my account for {$900.00} that are in my account due to their update of the system on XXXX/XXXX/2015. I have talked to customer service on many occasion just to be told the system is still updating and an escalation had been placed in the back office for review of my account. Plus due to the system update it caused my current debit cards to be inactive which is keeping me from getting my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: CT

Complaint narrative:
I have an account with Rushcard and I 'm sure you know why I 'm sending this complaint. I have not received mymy direct deposit from my employer due to the " technical glitch '' they suffered. It 's quite obvious I 'm struggling to get by I jus want wages and dealing with these representatives for 10 days has made things more stressful. Yesterday I called and they said my funds are showing but there 's a problem from it to deposit on to my card. The lady said that she put in an escalation ticket to a higher up to deposit my funds. I wake up today to find no funds in my account still. I called to find out what happened and they told me my deposit is not showing. From there I asked to talk to a supervisor and they came to the resolution of sending an email to her supervisor or board to handle the situation. I 've been demanding a certified check and they told me that the higher ups will make that decision. Everything is recorded I just hope I get my money soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
To whom this may concern, In reference to my previous complaint about Scottrade 's treatment of my son. I have attached a bank statement that shows just how egregious the fraud at Scottrade has been. 

Over {$800000.00} of unauthorized ACH transfers occurred and Scottrade refused to refund the stolen money.

Company response to consumer: Closed
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
I responded to a summons requesting verification of the auto being disposed of in a " commercially reasonable manner '' of which will be attached, and the outcome was set for trial XX/XX/XXXX The petitioner of the case : XXXX XXXX XXXX, for Reliable credit filed a request striking the trial date XX/XX/XXXX. To date, XXXX parties in this action are reporting to credit bureaus that i owe XXXX parties and this has caused damage to my credit when i tried to purchase a mobile home XX/XX/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 2015-10-18 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
I have a Rushcard and since XXXX XXXX 2015 I have not got access to my funds and it 's saying I have XXXX balance and I do n't even got a card to spend my money, they keep saying they do n't know when it 's gon na work and I have to miss work due to no money my daughter has no pampers and I got a eviction notice as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: LENDER LIVE
State: FL

Complaint narrative:
I recently refinanced my FHA mortgage to a conventional mortgage to get rid of the PMI, However when it was time to closing I realized that my FHA mortgage holder was collecting two months of interest and two months of PMI, whoever they were paid in 6 weeks and they did n't give me a refund for the extra 2 weeks paid, perhaps they collected for the month of XXXX and XXXX but they were paid off on XXXX XXXX, I believe they owe my the interest and the PMI charged for the last two weeks of XXXX, I have called but their customer service does n't seem to be too helpful trying to tell me that my refund was already issued, however all they ever sent me was my Escrow account balance not a penny extra.

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