vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services
State: WA

Complaint narrative:
Hello, I took out a private student loan from ACS Education Services in 2006. Each month I have made my payments on time. They almost always apply over % XXXX of my payment to interest and not the principal, so my balance barely goes down. When I contacted them about this they responded this, and this is on their website : Q : Why is n't my balance going down even though I am making payments? 
A : Payments are applied to assessed late charges ( if any ) first, then to any outstanding interest, and finally to the outstanding principal balance. You may have outstanding accrued interest that needs to be paid off first before you will see your loan balance begin to go down. Always remember that the amount of interest paid with your payments will be higher during the initial period of repayment and gradually decrease as your balance decreases. 


Yesterday I paid {$50.00} towards my loan, and according to them my outstanding interest was {$0.00}. I am attaching a copy of that payment and it shows that they took {$12.00} to interest. So what they are doing is unethical and possibly illegal. They are lying on their website based on the statements above. Similarly, the month before just before making my payment they indicated that I had {$51.00} in outstanding interest, but as you can see, they took {$76.00} of my payment and applied it to the interest. The remaining {$68.00} went to the principal. They did not respond to my inquiry about why so much of that payment was applied to interest. And, as you can see, in almost every one of my payments, a good deal more goes to the interest. 



What they are doing is unethical and unfair. They are not applying payments appropriately, and I believe it is to get more money from the students who borrowed money from them. They need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BlueChip Financial
State: FL

Complaint narrative:
this is spotloan which is another predatory type loan sucks you in and cost way more then it should. I have already pay to date XXXX and still have at least XXXX payments leave. it sounds good at first because it is a low amount they take out every two weeks but it is not a good loan. can not pay back at one time so that is where they hurt you on the loan. they charge for there loans 450 % of loan with payments XXXX over lenth of time. can they do that. i now know better on these loans but at the time did not know and needed the money due to finance issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
We were issued a XXXX Loan # XXXX on XXXX XXXX, XXXX. That mortgage was transferred for servicing to PennyMac Loan Services , LLC ( Now Loan # XXXX ) effective XXXX XXXX, XXXX. Since that time, PennyMac has erroneously claimed on 3 separate occasions that we have failed to insure our mortgaged property at XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. On 2 prior occasions we have provided proof of insurance and on both occasions they have attempted to charge us for exorbitant insurance, which obviously, we refused to pay. Now, they are erroneously claiming for a 3rd time that we did not have insurance in XXXX ( including several months prior to them servicing the loan! ) and they are now attempting to charge us for {$4400.00} for Insurance Escrow when our insurance is already paid in full for the entire year expiring on XXXX/XXXX/XXXX. Today, we are sending them for the 3rd time, proof of insurance from XXXX XXXX XXXX XXXX covering the period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Please stop PennyMac from this continuous harassment and require them to correct their records. Additionally, our loan documents specifically demonstrate that there is NO ESCROW money required. Thank you, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: MN

Complaint narrative:
My account was blocked during the system outage and I had been without access to my money for almost 2 weeks. When I finally was able to get " help '' I was told that I needed a new card issued and it would take 7-10 business days to get my card or I could have it expedited for a {$30.00} fee. I had no other choice but expedited shipping due to needing to pay my electric bill by the end of the month. So now I am not only behind on bills, but now I am also out an extra {$30.00}.

Company response to consumer: Closed with monetary relief
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: TX

Complaint narrative:
I sumbitted a complaint against drivetime reporting againt my credit bureau report inaccurately and they responded back that they would remove their tradeline from my credit report but it is still showing. I have disputed with the bureaus with the letter drivetime provided that they will remove but its still reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: The Leviton Law Firm, Ltd.
State: CA

Complaint narrative:
Calling with false information on a former business that closed over a year ago. Continues to call, hides phone number with private numbers and is just generally rude and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: GA

Complaint narrative:
I have an auto account with Drivetime. When I am late with a payment, drivetime calls me on the telephone three to four times per day. 
Drivetime starts calling me at XXXX XXXX.

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 2017-02-03 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: CT

Complaint narrative:
Midwest Recovery Systems LLC appeared on my credit report in the amount of {$890.00}. I have never heard of this company before. When I contacted them, they said that I had taken out a payday loan on XX/XX/XXXX I did not take out such loan on that day as I was not working at the time. As well all of the banking, home and email address information was old. I have not had that bank since XX/XX/XXXX and that bank went defunct in XX/XX/XXXX. I have not lived at that address in over XXXX years. As of XX/XX/XXXX it had been over XXXX years. That email address had not been my email address since XX/XX/XXXX. However, for some reason, when I did call they tried to get me to tell them my social security information but did know the last XXXX of it. Now, they are insisting that I owe this money. I know for a fact that I do not owe this money, who takes out a payday loan when they are not, in fact, WORKING and getting pay or have a payday? Not to mention, payday loans are ILLEGAL in the state of XXXX. Please stop your attempts to collect on a debt that is not owed to your client.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
This debt is not mine. 

I requested that the company send me verification the debt that they claimed I owe, including verification that there is a valid basis for claiming that I am required to pay the debt to the current creditor, information about the billing statement sent to me by the original creditor ( or something similar to verify the amount and age of the debt ), and also details about their authority to collect the debt, including their licensure status in my state and their contract with the original creditor. 


Their reply contained little to no actual information and seemed to merely be internal invoices for the amount they claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 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:
Hello, I repaid the full balance of my consolidated federal student loan to Acs/XXXX XX/XX/2016. I have my original loan note, proof of payoff, congratulatory letter of repayment and proof of interest schedule showing I paid off my loan completely. However after many calls to ACS has not updated showing the loan as paid in full. Actually there are erroneous notes applied to my credit report saying that ACS filed with the federal government to have the insured amount of the loan repaid by the federal government to ACS. However I paid my loan in full. I believe it is fraudulent of acs/and XXXX to try and collect money from the federal government when I paid off the full balance ACS reported my loan as Negative/closed. However they need to change their notes to Paid in full /and closed on my credit report. The information on all credit reporting agencies have remained incorrect for over 12 months. My credit continues to suffer because they have not reported the paid in full status properly on my credit reports. Although I had been late on my loan prior, due to the lender not working with me on a payment structure, and divorce, I refinanced my home to pay off the full debt I owed ACS/XXXX including all interest owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I applied for a loan modification about XXXX4 months ago and after going back and forth with the loan servicer penny mac i received a trial loan mod in the mail, so after reviewing it i asked penny mac to explain the calculations in determining the rate and payments on the loan modifications, but i decided to ask a third party loan modification auditor to review the information and they discovered some mis calculation on the file and there recommendation was for me to appeal the trial loan mod, so i contacted penny mac and rejected there offer and about 2 weeks later i received a sale date on my front door, which is out of compliance with the XXXX guided lines it clearly states that have the right not to accept the servicer loan mod offer or i can appeal it, loan servicer can not just expect me to take what there offering or leave it, if its not an affordable loan payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: NC

Complaint narrative:
They continue to call my work location and have talked to co-workers telling them they are trying to locate me for legal action. This is not okay, they call my place of employment, family, friends and my personal number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Capital Management Services, LP
State: LA

Complaint narrative:
I received a phone call from Capital Management Services on XXXX XXXX and the representative stated I had an account with XXXX and the balance is {$1000.00}. The representative stated the original balance was {$350.00}, but with court cost and fees the balance is now {$1000.00}. The representative stated I would need to pay settlement balance in full of {$300.00} in 10 days or I will be subject to arrest or property seized. I immediately hung the phone up on the representative. Capital Management Services called my phone back to back, but I did not answer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services
State: CA

Complaint narrative:
ACS/XXXX is reporting my status negatively as 90 days behnd and the account has been paid and closed as of XX/XX/2016 The debt was consolidated by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MD

Complaint narrative:
Hello i have a rushcard my money was deposit into my account unable to retrieve my funds rushcard said that it will be up and running but i keep calling ca n't get threw ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Prepaid card — Payroll card
Issue: Advertising, marketing or disclosures — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
Rushcard did a maintenance update and locked everyone out of their accounts for 2 weeks and it is still going on at the moment. Cardholders have not had access to their money such as direct deposits, money loads, and XXXX. Contacting the company is hectic and you will be on hold for hours or just get hunged up on. They say they do not know when the system will be back up so that people can access their funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: PA

Complaint narrative:
I, along with many other people, have had a huge issue with Rushcard since their " update. '' I can not access my account, my funds have been frozen and my card is now blocked at this point. I can not contact customer service due to the fact that upon request to speak to a representative, the call is said to be placed and then you are promptly disconnected after XXXX rings. I have tried every number I have found and am getting the " run around. '' I 've experienced very long wait times only To have my call dropped. I found a direct line to Rushcard and the woman I spoke with was very quick to try to get off the phone. She kept telling me to be patient and to keep trying to access my account, which I think is why it is now blocked. I explained as much to her and she told me that she could not tell me why it happened and she was sorry but she had no access to my account. Something is obviously going on and it needs to be resolved. Many people are without their funds and some have even stated their balances are now showing " {$0.00}. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: IL

Complaint narrative:
I have a Rush Card prepaid debit card, and my direct deposit posted to a card that I do not have nor exists, but suddenly showed up in my account after their " glitch '' on XXXX XXXX, 2015. I can not transfer my funds onto my actual debit card because the " card '' that my funds were deposited on is inactive. It 's inactive because it does not exist. I called member services through rush card and was told that my issue was escalated as high priority and within 24 hours they would transfer my funds to my actual account so they will become accessible to me. Instead. It 's 72 hours and nothing has been done. I keep getting the run around, and no one from their customer service can tell me how I can get hold of my money. My bills are do, my daughter needs food, and they refuse to help me transfer my funds out of this inactive card. I understand they did have technical difficulties over a week ago, but it 's been 11 days and their systems are still inactive and holding consumers funds? All I need is my funds transfered so I can withdraw my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
This is a formal complaint against Gold Key Credit. INC. 
XXXX, XXXX Contact Information : XXXX I obtained my credit from XXXX XXXX on XXXX. I notice a small charge that 's being reported only to XXXX. I called the toll free number & the lady was very rude. The balance being reported is exactly {$14.00} XXXX. I asked why was this small amount being reported she stated it used to be a much bigger bill but my insurance must have paid the amount all but {$14.00}. I asked how to resolve the small balance and she would not answer how to pay the told me I had many more debts on their account which is not true. I 'm looking at my credit report right now and {$14.00} is what is being claimed. I do not owe this debt and want it removed from 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 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I started a mortgage refi with Everbank ( my current lien holder ) on XXXX - sent in all docs required. MANY things were asked for numerous time and numerous time sent ( I have appx 26 fax transmittals to show how many times I complied with their requested for information that had been sent several times ) This became almost a daily activity - VOI/VOE was done for both of my jobs. My second job was sent a request to do a 2nd VOI/VOE, he complied. After appx 5 weeks of this and the day before my appraisal I spoke to XXXX XXXX ( my loan officer ) and told him that if they did not have everything they needed to complete my refi I wanted to withdrawal my refi and refund me my {$900.00} ; I sent him yet ANOTHER couple documents that had been sent before, he stated all looked good and ok to proceed. Appraisal was done ( {$900.00} XXXX the following day, on XXXX. I called on XXXX to see status and yes, appraisal was in - a copy was never sent to me until I requested it on XXXX. I am a co-signor on a few loans and during this process, Everbank requested that I have my daughters truck refinanced out of my name ( which I did at a higher interest rate ) and I did the same with my nieces truck as I was her co-signor as well. This was all done early on in the loan process. After appraisal was done and sent to me, yet ANOTHER ( XXXX request ) was sent to my XXXX employer for VOI/VOE and information on another loan was requested that had been sent already NUMEROUS times. Everbank has my tax returns, XXXX 's and paystubs!! I rec 'd my settlement estimate as well and fee 's and costs as well as the rate were NOT what I agreed to on XXXX. On XXXX I withdrew my refi requested and asked for a refund ; I sent a letter in writing to Everbank home office requesting a refund and a response to my concerns regarding this refinance. XXXX I called Everbank as NO ONE had called me and no refund had been rec 'd ; talked to a customer service rep who said he could n't help me, he would have to escalate my concerns and a XXXX would call me that day. By the end of the business day on XXXX NO phone call from Everbank. On XXXX I faxed ANOTHER request to Everbank in writing and as of today ; XXXX no one has contacted me and I have not rec 'd my {$900.00} refund. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Overdraft, savings or rewards features — 
Company: Empowerment Ventures, LLC
State: MA

Complaint narrative:
they promised me a XXXX credit comp and i sill havent got it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.

Company response to consumer: Closed
Consumer complaint received 2015-09-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GOLD KEY CREDIT, INC.
State: GA

Complaint narrative:
Today XXXX XXXX XXXX around XXXX in the morning I decided to check my credit due that I had certain plans on mind when I was able to see my credit report I was concerned to see a debt collection and also certain hard inquiries which according to the report the original creditor of this collection was XXXX XXXX XXXX XXXX XXXX XXXX, and the collection agency is : XXXX XXXX, XXXX ( XXXX ) XXXX surprise me due that I 've been living in Georgia since XX/XX/XXXX and I have my apartment lease contract as a proof of this, I immediately contacted the Federal Trade Commission and my local police to solve this issue all this documents will be provided I would appreciate the help to solve this problem directly with the debt collector and also to solve this issue with my credit report because this is very unfair and frustrating.

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 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: LA

Complaint narrative:
My rush card been inactive status over 11 week please help My cell is XXXX XXXX XXXX XXXX La XXXX XXXX XXXX XXXX XXXX please I have XXXX babies if my lights go off the state gone take my children and possible eviction

Company response to consumer: Closed with monetary relief