vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SQUARETWO FINANCIAL CORPORATION
State: NE

Complaint narrative:
XXXX XXXX XXXX sent a " dunning '' letter to consumer dated XX/XX/XXXX on law firm letterhead which violates the Fair Debt Collections Practices Act ( " FDCPA '' ) 15 U.S.C. 15 Section 1692e and 1692f. The law firm commits a number of violations in the letter. The XXXX XXXX notes that " dunning '' letters ( sent on law firm letterhead ) that contain offers to settle 'time-barred ' debt misleads unsophisticated consumers as to the legal status of the debt and violates the FDCPA. Consumer recognizes the debt XXXX XXXX XXXX is attempting to collect is over Nebraska 's 4 year statute-of-limitations ( SOL ) law for debt collection. Consumer does not wish continued communication with XXXX XXXX XXXX after this formal ( dispute ) complaint is lodged with the CFPB as the complaint will be tendered as evidence in a court proceeding if necessary. Consumer makes known that - if an agency ( or law firm ) incorporates the use of form collection demands on attorney letterhead the agency ( or law firm ) MUST incorporate " meaningful attorney involvement '' into its collection process ; 15 U.S.C. Section 1692e and XXXX vs Law Offices of XXXX XXXX XXXX XXXX XXXX, No. XXXX. XX/XX/XXXX - XXXX XXXX XXXX. If XXXX does not cease contact with Consumer by mail/phone/email consumer will file a state and federal lawsuit against the entity for violations of the FDCPA, FCRA and TCPA. Consumer thanks the Consumer Financial Protection Bureau ( CFPB ) for providing this venue as a viable avenue of documentation and mediation. It is greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03 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: Source Receivables Management LLC
State: CA

Complaint narrative:
I had been a long time customer of XXXX wireless. In XXXX of XXXX I moved to XXXX and found there was not XXXX XXXX. I contacted XXXX and was let out of my contract due to lack of service. I was sent an envelope, mailed my phone back to them, and paid my final bill. Several months later, I was charged for the phone. I contacted XXXX and explained to them that I returned the phone. Several months after that I began being harassed by a collection agency ( I no longer have the name. ) In XXXX, I filed a complaint with the XXXX. I never received a response from XXXX but the collection dropped off of my credit report. However, it now appears that a new collection agency or agencies are attempting to collect this same false debt. These collection agencies are Source Receivables XXXX, through XXXX, and XXXX XXXX XXXX through XXXX XXXX of these collection agencies are located XXXX. However, one has a physical address while the other lists a PO BOX XXXX They have different phone numbers. These collection agencies claim that the account was opened in XXXX of XXXX and became late in XXXX of XXXX. However, the exact dates differ between XXXX These incorrect dates are a fraudulent attempt to draw out the period of time that a collection can appear on my credit. There are numerous illegal issues here and they appear to apply to several companies. First, I do not owe XXXX any money. XXXX is at fault for falsely claiming that I do but also for falsely extending my contract by dropping my XXXX XXXX XXXX discount and then changing the start date of my contract from the time I renewed the contract to the time I asked for them to reinstate the discount, a matter of several months. Source Receivables XXXX and XXXX XXXX XXXX are attempting to collect a debt that I do not owe and in doing so have tried to strong arm me by using unfair business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: PA

Complaint narrative:
I have XXXX loan from my time at college, a Federal Perkins loan, being serviced by ACS Education Services. Six months ago I changed main banks. I attempted to change the bank that ACS Education Services auto-withdraws from. I received no receipt not acknowledgement at the end of the 7 days they state is required to process the bank change. I in fact received no communication whatsoever. I checked the account and saw that they had assessed a late fee and listed the payment as failed, and had not sent any notification about the failed payment or late fee. I paid manually, using their ExpressPay system, using the same exact information that I had registered as my main bank account for autopay. I then re-filled the autobillpay form, thinking it might have been a mistake ( I would like to add that they do not, as every other company I have interacted with would do, perform a bank account validation withdraw/deposit ). Next quarter I had the same issue, except I was notified by a late payment status on my credit card. Again, I received no communication. When I contacted the company ( who was unavailable by phone ) by email, and explained that I have n't had a late payment in seven years and would like them to withdraw the late payment from my credit status, they refused, and stated without any presentable evidence that I was wrong. At no point in time did they offer any assistance in resolving the issue, nor any advice ( despite an explicit request ) for a method to confirm that the account was properly set up. Late payments aside, I do n't understand why they would seek to damage my credit instead of simply working to ensure the account is properly set up. A person 's credit rating is important and I have done nothing that would reflect willful negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
According to a new collections account on my credit report from Midwest Recovery Systems, I apparently took out a payday loan from XXXX XXXX on XXXX XXXX, 2012 and defaulted on it in XXXX. I am contesting that this is inaccurate, I never took said loan. This fraudulent activity is now part of my credit report and is a misrepresentation of my score. In addition, Midwest Recovery Systems never sent correspondence to our address prior to reporting it to the credit bureaus. As a matter of fact, I have never heard of either company before, and am reading nothing but complaints and investigations involving this same type of situation. Midwest claims to be a XXXX party collection agency that reports to the credit bureaus, and apparently continues to get away with scamming innocent consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I am a victim of predatory lending. I had an appraisal performed on my home and found that I fall within the XXXX LTV range which qualifies me to get my mortgage insurance ( MI ) dropped. If I refinance I will get the MI dropped but that will cost me about XXXX in closing cost. 
When I call my servicer Pennymac to conduct an appraisal they tell me LTV must be at 75 % for them to consider removing my MI because of FHA guidelines even though I no longer have a FHA loan. Pennymac had me call FHA and FHA told me I no longer have an FHA loan. Of course I called back and they said it somewhere in my disclosure that they have to look for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Credit Adjusters, LLC
State: NM

Complaint narrative:
Receiving phone calls from the National Credit Adjusters debt collection company. Their number, XXXX has come up on my work phone numerous times and I 've answered but no response on the other end until today at XXXX MST, XXXX/XXXX/2016, I received a call from this number and finally had someone on the other end, XXXX XXXX. He stated that they have called several times and when I told him that I did not recognize the creditor names and could not talk to him because I was at work he threatened to take legal action to collect on XXXX loans from pay day companies I do not recognize. He also stated that he spoke with me a while ago but I do not remember speaking with this company or the names of the loan companies he is collecting on behalf of. I asked him to send me something in writing and he insisted that they already did. I told him I could not speak with him at this time because I was at work and to please mail it again but he just kept repeating that they already mailed it and what was my plan... I hung up on him because he kept insisting and was becoming more agressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Todd, Bremer & Lawson, Inc.
State: MN

Complaint narrative:
Debt collection agency is adding a additional 25 % in fees to balance owed to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
Penny Mac consistently misapplies my payments. I generally pay more than the minimum. They apply it all to principal, add late fees, call me for payment, when the full amount+ is always sent in WAY before the due date. Then I have to spend too much time on the phone getting fees reversed and explaining to them how to apply the payment correctly. If it didn ; t cost me money, I would switch companies in a heartbeat.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
We bought our house XX/XX/XXXX in benefit of our family. we have XXXX daughters and my older mother living with us. We purchased the home with a big down payment and using our savings to fix it. Due to the economy crisis I lost my job and my wife took over all responsibilities. I was sick and XXXX. XXXX owned my loan and we asked for help to modify my loan. I was approved for Loan Modification HAMP TPP TRIAL PROGRAM. XXXX TOLD ME TO CONTINUE MAKING MY PAYMENTS WITHOUT SKIPPING ANY PAYMENTS. I continued making my payments every month but they continue asking for the same documents over and over. every month I asked them when will I get my final approval the answer was they were waiting for another department to finalized the paperwork and they will send my final approval by mail. after a year XXXX TRANSFERRED OR SOLD MY LOAN TO PENNYMAC BANK without asking me or telling me anything. It was until maybe 2 months later when I received a letter from PENNYMAC BANK SAYING THAT THEY WERE MY NEW LENDER. 
THIS IS A BREACH OF CONTRACT. PENNYMAC BANK SAID THEY COULDNT PROCESS MY PAYMENTS AND I HAVE TO START ALL OVER AGAIN!!!. 
THEY SAID THEY COULD N'T HONOR MY PAYMENTS BECAUSE THEY DIDNT HAVE MY FILE. XXXX INTENTIONALLY SOLD THE LOAN TO PENNYMAC BANK AND NOW THEY DO N'T WANT TO PROCESS THE LOAN MODIFICATION. AFTER ALL We continue communicating with PENNYMAC BANK looking for more options to avoid losing our house. We tried asking for help and they were sending us misleading information by mail to apply for their programs but we were declined all the time, we tried XXXX program but PENNYMAC BANK did n't want to participate on their programs. it has been very stressful situation and severe emotional distress due to their actions and negligence on the law. These banks abuse the borrowers right as a Lenders and they do unfair business practices. 
PENNYMAC BANK MOVED IN TO A FORECLOSURE PROCEDURE without trying to honor a Loan Modification. they continue charging us late fees and legal fees on top the the NEGATIVE LOAN BALANCE THAT WE ALREADY HAVE ACCUMULATING IN TO MY LOAN AMOUNT. CITIMORTGAGE AS WELL PENNYMAC BANK ARE FULLY RESPONSIBLE OF THIS SITUATION DUE TO THE BAD AND ILLEGAL PRACTICES. PENNYMAC SHOULD KNOW THAT WE WERE ALREADY APPROVED FOR SEVERAL MONTHS BEFORE THEY ACQUIRED MY LOAN. 
On or about XX/XX/XXXX the filed an NOD they were supposed to contacted me as a borrower and explore options and avoid foreclosure but they did n't. I tried to avoid foreclosure all the time and I will continue fighting for my legal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
( XXXX ) XXXX is the number that calls and last contact person said his name was XXXX XXXX with National Credit XXXX. Caller starts off by saying his name then immediately asks for me to confirm my DOB, he does n't state he 's attempting to collect a debt. Before confirming any questions asked I again ask for his name and company info, which causes him to go into a rage saying he 's spoken to me before, that I owe money and he will not help me unless I confirm my DOB. He proceeds to tell me I 'm a dead beat and that the next call he will make will be to my employer. He has also called my parents house as well demanding my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: KS

Complaint narrative:
I bought a XXXX Buick Lacrosse CX from Drive Time in XXXX KS. I only had the car for about 3 weeks and only drove it about XXXX miles and a rod started knocking. I was without the car for 2 weeks. Got it back on XX/XX/XXXX and 5 days later the muffler fell of in the middle. The very next day the car started leaking gas. They said when I bought the car that it was inspected which I believe is not the case as what has happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
In XXXX XXXX, I began having financial difficulties, so I turned to online loans in an attempt to make ends meet. I had received a mailed solicitation from XXXX, so I went to the website given on the card ( XXXX ) and took out a loan of {$2600.00} on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, XXXX took the first of a series of automatic deductions from my bank account. XXXX took the following amounts, on the dates shown : XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) These deductions are documented ( red underline ) on the bank statement copies attached. Note that on the last statement, XXXX took XXXX additional deductions that were returned unpaid, as my account was out of money by that time. Only the payments to XXXX that actually went through, are underlined. 

Therefore, I still owe XXXX {$380.00} plus a reasonable rate of interest. 

XX/XX/XXXX, after my financial situation had stabilized, I set about resolving my online and payday loans, of which I had taken out a total of XXXX. It was ( and is ) my intention to repay each lender what they loaned me, plus a reasonable rate of interest. While a number of the lenders worked with me to settle my loan under these terms, XXXX unfortunately refuses to do so. 

On XXXX XXXX, XXXX, I called National Credit Adjusters, which had purchased my loan from XXXX ( account # XXXX ; NCA reference # XXXX ). I spoke with XXXX XXXX, and offered to settle my loan for {$400.00} ( balance plus XXXX % ). He refused, so I offered a maximum of {$500.00} ; XXXX XXXX replied that " that is not an option '' and he then accused me of " pressuring '' him. He countered that he would settle my loan for {$1200.00}. This amounts to an interest rate of 35 %, and is therefore unacceptable to me. 

I tried calling XXXX XXXX again on XXXX XXXX, XXXX, and got the same result. XXXX XXXX has also called me several times, but in each case he insisted on {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
Every few years I keep getting phone calls from a company claiming that I got a payday loan in the state of Texas where I have never lived. I keep providing information and then they will stop and then sell the debt to another junk collector. They contacted me today and threatened me. I have submitted a Ceast and Desist letter several times and I am still being harassed at work and at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I contacted Gulf Coast Collection Bureau ( XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX ) to receive information about a collection amount reported on my credit report that I do not recognize and that is said to be related to attorney fees. After giving the information I found on my credit report to the representative, she could not locate any account or data linked to account # 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 2015-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
On XXXX/XXXX/2015, I scheduled a XXXX time draft payment of {$470.00} to be deducted from my XXXX Bank checking account. 

On XXXX/XXXX/2015, a double payment of {$940.00} was debited from my checking account causing my account to go into a negative balance. I immediately called PennyMac Mortgage Company. XXXX XXXX, faxed a request to XXXX for {$470.00} to be refunded to my checking account. Also, investigation # XXXX opened. ( To date, I have not heard any status on this investigation ). 

On XXXX/XXXX/2015, Called again, spoke with XXXX XXXX at extension XXXX. Faxed the same request to XXXX to his attention. 

XXXX/XXXX/2015, XXXX XXXX extension XXXX, she told me she would start the refund. She would call at XXXX ( EST ) for a conference all to my bank to vfy the debit would be honored, that no dispute was in process. 

XXXX/XXXX/2015, I called XXXX at XXXX after receiving no phone call. She verified needed information with bank. 

XXXX/XXXX/2015, Left voicemail with XXXX, no response. 

Fees I am incurring so far .... 
XXXX/XXXX/2015 Debit Memo {$6.00} ( {$610.00} ) Memo : SERV CHG XXXX/XXXX/2015 Service Charge {$6.00} ( {$600.00} ) Memo : SUSTAINED OD XXXX/XXXX/2015 Service Charge {$6.00} ( {$590.00} ) Memo : SUSTAINED OD XXXX/XXXX/2015 Fee eNotice {$70.00} ( {$590.00} ) Memo : OVERDRAFT ( XXXX AT {$35.00} EACH ) I explained to XXXX XXXX who seemed to sympatize with me that this issue is turning my world UPSIDE DOWN!!! I live paycheck to paycheck like many Americans in today 's society. My account is overdrawn. I have no money to live on, for gas, groceries, etc. I had to borrow money from family to pay my bills with MONEY ORDERS. I am incurring fees that I can not afford. THIS IS EXTREMLY UPSETTING AND THE COMPANY SEEMS TO MAKE NO EFFORT TO RESOLVE THIS OTHER THAN CALLING MY BANK TO ENSURE THEY GET THEIR FUNDS!!! HOW INSULTING!!! 


I want a refund of {$470.00} for the payment that was debited from my account in error plus {$90.00} for the fees that I have incurred from XXXX Bank for my account being overdrawn. On XXXX, I was assured that I would receive a refund, it has been 9 DAYS!!!!!!! Each day I am so upset & stressed out. It 's just not fair that this company is getting away with this!!!

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 2016-11-19 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: BlueChip Financial
State: WA

Complaint narrative:
My place of employment received a call from a XXXX XXXX from XXXX XXXX, XXXX, telling my secretary that I was going to be served legal papers at work that day unless I called them back. I called, and XXXX XXXX XXXX never disclosed that it was a call from a debt collector at any point during the conversation. He proceeded to inform me that I had allegedly taken out a loan from Spot loan ( which is not licensed to loan in WA, where I live ) for {$400.00}, which is now somehow {$1100.00}. I told him I was not aware of this and demanded verification of the debt. He then told me I was just trying to stall and that I would be served papers that day at work and sued and my wages garnished if I did n't pay immediately, because " it 's really easy to get wage garnishment in Washington ''. A few days later, I got a " settlement offer '' letter in the mail. This letter claims that I authorized a payment to be taken from my bank account ( I never authorized anything, nor did I give them my baking information ) and the letter claims that if payment is n't made they 'll revoke their " offer ''. They did not send verification of the debt, nor did they provide their professional license number to collect in Washington State as I requested. They are using illegal collection tactics : Calling me at work after they 've been told not to, disclosing information to my employer, threatening to show up at my work to serve me immediately, threatening to garnish my wages without notice and calling me repeatedly to harass, intimidate and threaten me, and sending a letter saying they are taking money from my account which I never authorized. They continue to call after a cease and desist letter was sent to them, and after I requested a verification of the debt - by law, they can not contact me again until they have done so.

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