vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC
State: IN

Complaint narrative:
they call my place of employment several times a day, they share information they say pertains to me with whoever answers the phone, they ask to speak to my supervisor, they refuse to send me supporting documents of the debt, they say they have but I have never received, I do n't know who they are, they ask me to verify my name, ssn etc. without telling me who they are, they just give their name when I ask for a name, they finally gave me a company name that researched to find it is some type of collection agency, they wont let you talk but talk over you, they say I only want supporting documents to delay payment, they demand immediate payment and offer a settlement but do n't tell you a settlement for what.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Management Services, LP
State: MN

Complaint narrative:
I have been being harassed at work at home on my cell and now they are calling my daughter and harassing her. I have no idea who the debt is for or what it is for when I try calling them I get put on hold and know one ever comes back to the phone. Now I am being harassed by some carrier service they say from XXXX county in Minnesota say they have legal documents for me that I must sign for and show ID for telling me they would be at my home today between XXXX and XXXX so I left work early today so that I could be here they never showed then revised a message that they are now going to serve me at my place of employment and embarrass me there because I was not home which I was and I have witness that I was here. Their constant harassment and threats are interfering with my life and my work. 
People like this need to be put out of business. 

The debt collector is Capitol Management Service. 

Any thing you can do to help would be greatly appreciated. 

Sincerely, XXXX XXXX

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 2016-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
Hillcrest Davidson & Associate brought an debt and change the original delinquency date of the account from the original lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
I found a collection on my credit report from Midwest Recovery Services and they told me it was in regards to a payday loan I have no knowledge of. I was never notified prior to this showing up on my credit report. I asked for proof and they denied to give it to me, rather they said they reported it as fraud and the client will need to file felony charges. I want it removed from my report unless they can provide something showing I am mistaken. Obviously if I owe I would pay but I do not believe I owe anything. They say original creditor is XXXX. I 've never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: ID

Complaint narrative:
Below is a quote of a secure email I sent to Pennymac on their website " We have tried to reconcile some issues with Pennymac concerning our escrow account, we originally called on XXXX/XXXX/2016 at XXXX, I do not recall who we spoke with, but he or she told me they would contact the tax department and someone would call back. 
On XXXX/XXXX/2016 I called again and spoke with XXXX and she indicated top me that she saw we had called, and she said it takes 10 business day for a reply to be generated - it would have been nice if the person that answered my first call would have said that, I would not have wasted my time calling Pennymac on XX/XX/XXXX as that was not 10 days from my original call. 
On Wednesday XXXX called at about XXXX and left a number ( XXXX ) and extension # ( XXXX ) for me to call back. I tried to do so, but the extension we called went to voice mail and we never received a call back. 
On XXXX/XXXX/2016 XXXX called me back and said that there had been no resolution noted, but she would call back when she heard something. 
Today is XXXX/XXXX/2016 and so far as of XXXX we have heard nothing. 
We now intend to file a complaint with Bureau of Consumer Financial Protection about the non-response from Pennymac about our concerns dealing with you about our escrow account. 
We have gone into the XXXX County Treasurer and Tax Collector and they stated that the amount of taxes noted on our tax bill is true and correct and they stated that the amount you project for payment out of our escrow account is WRONG. Pennymac payed the first half of the total years tax in XX/XX/XXXX of {$1400.00} and the balance to be paid in XX/XX/XXXX should be the remaining balance of {$1400.00}. Yet you indicated on the account projections sheet that you are going to pay {$1600.00} in XXXX and the same amount in XXXX 2016. 
You sent us a overage refund of {$360.00} on XXXX/XXXX/2016, we feel that overage should have been about {$360.00} more according to projected continued payment of escrow payments as of XXXX 2016 of XXXX, and yet you are increasing our escrow payment to {$320.00} an increase of {$5.00}. 
I know from previous secure message email to you that it takes to 2 days to get a reply, I would suggest you reply ASAP if you can get this settled as the complaint to the Bureau of Consumer Protection will be dispatched this afternoon. 
I find the non-response by Pennymac to our concerns about our escrow account an affront to my sensibilities and it seems that Pennymac has a truly inconsiderate and unresponsive consumer affairs department. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BlueChip Financial
State: CA

Complaint narrative:
Spotloan is not licensed to issue usury interest transactions in the XXXX,, they can not collect an illegal transaction the interest rate was 800 % I am XXXX XXXX XXXX and did not know about this.

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 2016-10-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services
State: TX

Complaint narrative:
I have XXXX loans that are currently serviced by ACS ( at total nightmare ). Those XXXX loans are the only loans that I have that I simply can do nothing with. ACS is claiming that my loans were defaulted because they were past due 270 days. No one contacted me or sent any information of such. I have worked with XXXX and worked out a loan consolidation in which I could not even include the XXXX ACS loans. Furthermore, ACS claims that the loans are " permanently uninsured '' in which they have been reporting to the credit bureaus for over a year and it is having a major affect on my credit. On the National Student Loan Database, the loans are showing temporarily uninsured in which ACS is claiming that XXXX ( guarantor ) has not updated the system correctly. I spoke with a representative at XXXX and she advised that my loans were showing a " temporary uninsured '' status since 2015 and was unsure as to why ACS is claiming it is permanently uninsured since the information would be coming directly from XXXX. Also, if my loans are in a " permanently uninsured '' status, ACS should not be reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
My Wife & I purchased our house XX/XX/XXXX. My wife is a XXXX Employee. We have take out equity loan out on our property & put the money back into our home. XXXX our Mortgage was sold to Penny Mac by XXXX XXXX Bank. XXXX the home value dropped from {$470000.00} to {$280000.00} and Penny Mac was going to forgive {$180000.00} of our Mortgage. We started the paper work with Penny Mac and they claimed that we were not qualified for and loan modification. We had to hire an Attorney in order to force Penny Mac to modify our mortgage. 
We were mislead by Penny Mac employees, lied to by Penny Mac employees and disrespected and bullied by Penny Mac employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I am no longer wanting to dispute the account and the collection agency is refusing to remove the comment 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 2015-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
My original unpaid principal balance is {$150000.00} but my current unpaid principal balance is {$150000.00}. My loan is current and i have never missed a payment i dont understand how my balance could be going up unless i have a negatively amortizing loan which i do not. I have a FHA loan with a fixed rate of 4.2 %. The servicer is pennymac and the loan number is XXXX and they have been non responsive to my inquiries on this. I am very concerned.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
We experienced a loss due to hail, and a claim was submitted to our insurance company. After getting the check, we had to submit it to our Mortgage company, PennyMac, to sign the check. They would not just sign the check, even after signing an notarized affiliated stated we will get the roof repaired with the funds. 

We have been forced into a processes where they deposited the money in a special escrow account, and then made us go through a lengthy process of getting part of the money to start the job. This caused unnecessary delays in us getting our roof repaired. They had even promised to over night the check, after a ~5 day period. It took them almost 2 weeks to get the check out, and it was sent XXXX. 

After getting the job confirmed I called back to get an inspector out so they could inspect the job and give us the rest of our money. They failed to contact the company doing the inspection in the time they said they would ( XXXX hours ). Luckily I had pressed them to give me that companies name and number when I contacted them about getting the inspection. 

We are still trying to get the inspector out here so they can pay us the money to pay the contractor. PennyMac had demonstrated incompetency, lack of commitment, and have processes in place that force all the responsibilities on the consumer, instead of themselves since it is their requirements. I have spent hours on the phone trying to manage them, trying to work with my roofing contractor as he deserves to get paid for the work.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
We have learned that XXXX acquired the banks but it was not a " Merger '' so therefore this was not a XXXX XXXX XXXX. When XXXX collapsed, XXXX XXXX became the servicer. When we made queries about the new owner, XXXX XXXX claimed that they purchased the loan however they did not provide verification. They sued us and said they sold the mortgage to Pennymac XXXX, who we found out was another debt collector. We wrote to them to verify some information and the collusion and fraudulent documents continued. Pennymac then flipped it to another subsidiary of their company. When we called the FDIC and the OCC, they both referred us to CFPB because this is all debt collection. Additionally, we learned that XXXX XXXX Bank XXXX ceased to exist XXXX XXXX, 2005 however our mortgage was made in XXXX 2005. Our daughter worked for XXXX and XXXX and she continued to make these mortgages and no one ever told her that the company was no longer in existence. Please see our attached report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IA

Complaint narrative:
I am disputing XXXX conflicting payoff amounts a week apart for a mortgage that increased the amount by almost XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC
State: VA

Complaint narrative:
CMC Funding has not been able to make accurate nor timely personal property taxes, even though there has been adequate funds in my escrow account for this purpose. My taxes are to be paid in XXXX and XXXX. The XXXX payment was in arrears until XXXX of 2015. CMC Funding assured me that this would not occur again, and that they would work with me. I received a delinquent tax notification from my county that the XX/XX/XXXX payment was not made. 
In XX/XX/XXXX I sought legal counsel. With his help the XX/XX/XXXX issue was resolved. CMC Funding has been in touch with my attorney, letting him know that they were working with me directly regarding the XX/XX/XXXX payment. In fact, I have had no direct contact from CMC Funding, until I notified them on XXXX XXXX 2015 that the tax was in arrears. I went ahead and paid my county taxes with penalty and interest to the amount of {$800.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Capital Management Services, LP
State: MN

Complaint narrative:
I am a victim of identity theft and I do not owe for this debt. A representative from Capital Management Services , LP continuously called me back and informed me that the FBI would arrest me and I would not be able to get and bank loan or federal student loan from the government ever again, if I do n't pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
For the past three months our mortgage company Penny Mac, has reported that we are behind in our payments. We made the payments " On Time '' through XXXX XXXX and have the doc 's to prove this. This is the second time around for this happening to us. When I reach out to them they inform me that they have been placing our payments into a " Suspense Account. '' Why? It is as if they keep XXXX sets of books. XXXX that has the " correct '' information and XXXX that does n't. PLEASE! Investigate this issue because they are messing with our credit score, sending people to our home, as well as sending us notices that we are three months behind in our payments. If they are doing this to us then we are not alone in this mess! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Hillcrest Davidson & Associates
State: VA

Complaint narrative:
HillCrest Davidson and associates collecting a debt I had no knowledge of owing as I was on autopay and I was told by the company XXXX rep and installer that it was all transferable to a new owner as I was selling my home and wanted to be sure it was transferrable I was told yes. I also purchased the equipment, so it was about the service and not equipment. So sing his paper to get I thought installed equipment. I set up auto pay through my bank a few months later I sold my home, and the new owner took over and transferred it to his name and the service as the equipment was paid in full. Now I 'm getting the story that I sign a contract and must pay for 5yrs of service, and the reason it was in collections was for failure to pay. Since I was on auto pay that was impossible, they stopped processing the payment as I never stopped auto pay and I was told it was all taken care of and I had to do nothing about transferring it to the new owner that it now is in new owner name. I talked at length with the XXXX and was being assisted by XXXX XXXX XXXX to work this out the number was XXXX I talked to XXXX at extension XXXX and her email was XXXXXXXXXXXX I received a message a 2 days ago but lost the number to call back that there was nothing to be done since I signed a contract for service. Not only are they getting 5yrs of service they are not providing me. Where I live has alarm service through the apartment, but Protect Your Home are also getting paid by the new owner of my old home. This home I sold was in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I have also asked since I was paying for the service I might as well get use of it but they refuse because it is in the collection and I would have to get new service. I have alarm service provided by my apartment, and they are also going over to XXXX, so I had no use for the service. When asked how it got in collections I was told it was the failure to pay, that is not the case, they Protect Your Home stopped billing my checking account because it was in fact transferred to the new owner and he has been paying it. This Collection Company Hillcrest Davison and Associates has been calling me non-stop even while trying to get answers from XXXX They have yelled at me in ruff drill sergeant voice talking over me and calling more that once a day. I feel XXXX has been deceptive and I was never informed of this from XXXX or Protect your home prior to collections and I never stop paying but they must have stop billing monthly my checking account. Which I assumed was because the new owner did, in fact, take over the account as I was told would happen. I even called to confirm that the transfer had happened and was told by XXXX all was transferred and the new owner had it in his name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BlueChip Financial
State: FL

Complaint narrative:
I took out an online loan from Spotloan last year 2015 when I had a job. They were taking payments out every 2 weeks from my bank account. I lost my job and my bank closed my account. I am not seeing the default on my credit report. I received a threatening phone call yesterday from a guy named XXXX XXXX who stated he was with some liason company and that they were serving papers on the XXXX of XXXX and I needed to be home or at work between XXXX. I needed 2 forms of ID and that if I did n't comply, I would go to court and jail. Gave me a phone number to call with a reference number. Was very rude and hung up. I called the phone number he gave me. The man stated it was from a loan i took out last year from Spotloan. He said I owed them. First he said XXXX, then he said XXXX..ONLY to be paid by CC. I looked up the number and it said NO number found that it was probably from XXXX. XXXX. That was the XXXX guys # ... the other one is XXXX. I do n't appreciate them THREATENING me like that!!! How can they serve me papers? I thought the courts had to do it. And I looked on my court records. Does n't say anything about being served. What can I do? It 's not on my credit report.

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 2016-08-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
i am a XXXX person with XXXX XXXX XXXX XXXX i have medicaid an medicare and they paid all my medical expenses so i do n't know what this debt is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Receivables Network
State: TN

Complaint narrative:
XXXX collection agencies ( each saying they represent XXXX ) contacted me on the same date regarding the exact same account. XXXX by phone, the other by letter. Does the FDCP Act allow that? How am I supposed to know who to deal with? I dispute the charges to begin with. Is it my burden to dispute the matter with XXXX collection agencies? What if I settle with XXXX and the other keeps hounding me?

Company response to consumer: Closed with explanation