vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-30 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: ID

Complaint narrative:
I have been trying to work with my student loan guarantor and my loan servicer, ACS, to bring my past-due consolidated loans current, to no avail. I feel I have been the victim of deceit, fraud and misrepresentation on the part of ACS. I have been in contact with my guarantor, XXXX - specifically, XXXX XXXX, their " outreach advocate '' - as well as the XXXX in an effort to resolve the situation. Nothing seems to help. I have recorded conversations with ACS that demonstrate their practices, and have devoted substantial time toward seeking relief. ACS has unduly delayed my requests for relief, denying avenues of relief such as discretionary forbearance that they themselves have indicated are available, and the entire situation has gotten well out of hand, causing me undue stress, anxiety, loss of sleep, physical sickness, mental anguish and wasted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: WY

Complaint narrative:
Drivetime account number XXXX ... .has illegally reported on my XXXX as the account is not mine. I contacted XXXX and notified they are in direct violation of FCRA and legal action will be taken against them. XXXX and Drivetime both have failed to provide proof the account belongs to me. I need to have CFPB notify both XXXX and Drivetime about this and remove it from my credit file as XXXX has failed to remove this account per law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
Letter and phone calls from Midwest Recovery Systems attempting to collect a debt that is not mine. The creditors are XXXX XXXX and XXXX XXXX XXXX. I sent a certified letter disputing the false claim and requested a response from the debt collector. No response. Now phone calls are starting under a new company listed as 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 2016-06-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: TX

Complaint narrative:
I have filed several complaints with the CFPB including disputing the last response to my last complaint.I have had an ongoing dispute with Drivetime over the condition of the vehicle that was sold to me in XXXX 2015. We started having trouble 2 weeks after the purchase it has been in the shop over 15 times and we discovered the inside of the seats are completely rusted. We were advised a 3rd party inspector said that it is surface rust. we have taken it to 3 different establishments all at the direction of Drivetime. 2 of them advised the rust was excessive and it appears to have water inside the vehicle at some point due to the rust and mold. well finally we were advised to to take it to XXXX who could not do anything because they are a BODY REPAIR shop. Well then the 3rd party person comes out make the claim that is just surface and that 's it. They will not accept photos from me, but expect me to go with their final decision after they kept running me around until they got the answer they wanted.

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 2016-02-09 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: AL

Complaint narrative:
Around XX/XX/XXXX, I took out a loan with XXXX. XXXX I received an email saying that they no longer made loans in the state of XXXX and I needed to pay the loan off. I tried but the interest was out of control. I got behind on the loan. On XXXX XXXX, XXXX I received an email saying the loan had been sold to National Credit Adjusters in XXXX, XXXX. They started harassing me for way more money than the loan was for in the beginning even tho I had been paying for it for a year or more. They finally offered me a settlement of XXXX % of what they said I owed and they said that they would mark the debt off as paid. I paid the amount they requested ( over a year ago now ) and never heard another word from them again until last week. I checked my credit report and there is no mention of any debt with them. ( XXXX had been on there when I did owe them money but all signs of it has been gone for over a year now ) Last week I received another letter from them telling me I needed to pay them off and offering me the same settlement that I had already accepted and paid off over a year ago. I am afraid to call them as that would just give them my number again but this debt has long been paid. I do n't know how to handle this situation. I read several things on the XXXX web site where other people are also facing similar issues with National Credit Adjusters. All of their responses to the complaints people have submitted to the XXXX are all exactly the same and they have had their XXXX membership revoked for failing to attempt to resolve problems with customers. Can you please advise me on the best way to handle them? I really do not have the money to keep paying their settlements every year or so and I really do n't think that it is fair to demand to be paid again when they said they would accept the XXXX % that last time as full payment of the account. The original loan with XXXX was a total rip off that is next to impossible to get out of in the first place, but now National Credit Adjusters is taking it beyond the limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BlueChip Financial
State: OR

Complaint narrative:
I took out an installment loan with Spotloan ( BlueChip Financial ) on or around XXXX/XXXX/14 in the amount of {$800.00}. They have debited {$130.00} twice a month since. My payments so far have totaled $ XXXX and I still have at least XXXX more payments left. Do I have any recourse with them in having them close my account and show paid in full? Or, dare I ask, receive some type of refund for paying such a high interest rate? In Oregon, there is a cap on how high of interest companies can charge on these types of loans. I did n't realize I would be paying so much more than my initial loan amount. I have not approached them yet to inquire about this directly. Rather, I wanted to find out my options. I want to clean up my credit and get to a point where I no longer need these types of services any more. But this loan has really put me behind in that plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial
State: MO

Complaint narrative:
I defaulted on my payday loan with spotloan. I got into a difficult financial situation and am trying to get caught up. Have spoken with reps at their collection agency XXXX about working out a payment plan but I do n't know yet how much I can pay until my payday the XXXX. So instead of waiting 5 days they call my work and cell multiple times a day to see if I have magically gotten money yet to pay them off. They sent a verification of employment letter to my employer today. I thought they could only do that if they have n't been in contact with me?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 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: NY

Complaint narrative:
Good Day In checking my credit report with XXXX I noted that Midwest Recovery System is attempting to collect a {$760.00} debt for VIP Cash. I am not familiar with either of these companies and in XXXX I found it to be a payday loan. I did not take out any payday loans and their practice of placing such a debt on my credit report without proper notification is not only improper but false. I am asking for assistance in getting this item removed from my report and their seeking to collect on a debt that is not only illegal in XXXX but that is not mine. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
XXXX XXXX XXXX Amount : XXXX Creditor Type : Other Collection Agencies Last Updated : XX/XX/2016 Creditor Name : XXXX Address : XXXX, XXXX, MO, XXXX Phone Number : XXXX tacit vilotaed my consumer rights all i got was phone call saying my name call regarding documents will not call no documentation as per collection procedures nothing i filed bankruptcy in XX/XX/2016 wiped all payday loans loans they posted on my XXXX credit reports destroying my credit violating all collection procedures again i have no idea what this is and i will not contact them as they over XXXX complaints from BBB in XXXX Illinois and i want the things removed contacted credit bureaus next obtaining a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: CT

Complaint narrative:
From XXXX I attended XXXX XXXX. In XX/XX/XXXX I decided to take out a loan with ACS Education Services of which the total loan amount ( including fees/interest ) was {$5500.00} ( $ XXXX base loan and {$500.00} in interest ) The first payment I made was on XX/XX/XXXX. Fast forward almost XXXX years, I am still paying off this loan. Total payment since inception has been {$5600.00} of which only {$1500.00} has been put towards the principal and the remainder to interest. The current variable interest rate listed on my account as of today XX/XX/XXXX is 10.280 %. The minimum payment amount is {$55.00} and I 've consistently been paying {$65.00} per month and I have even made payments as much as {$100.00}. I really believe I should be done with this loan considering that I have not paid the minimum amount towards this loan. I would like for ACS Education Services to explain how are they allocating the interest vs principal amounts whenever I made a payment. The way they distribute my payments have not been consistent every month and month after month at least 80 % + of my payments are going to interest. I really need help in trying to figure out what is going on here. I really think they are stealing my money. Also I am no longer receiving statements and on the website they do not have a link where I can view my statements online. I am not sure why the government has not intervened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
PennyMac is Dual Tracking. Client is in review for a loan modification and a 30day condition letter was sent on XXXX by underwriter XXXX XXXX in the Texas office. Sale date is XXXX. Deadline for docs to be sent in per the letter Pennymac sent is XXXX. 
How can they foreclosure if the file is in review for modification? 
They are dual tracking. 
They are also discrimination based on language, ethnicity, race, marital status. 
We will take legal action if the sale date is not postponed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
We refinanced our FHA loan on XXXX/XXXX/16. The funds were wired by our attorney to the old lender ( PennyMac ) on closing date ( XXXX/XXXX/16 ) as per the payoff letter attached. The payoff letter included a full month 's PMI payment for the month of XX/XX/XXXX. After closing PennyMac charged us two additional PMI payments in XX/XX/XXXX and XX/XX/2016 out of our escrow account, claiming that we closed on XX/XX/XXXX and those payments were for XX/XX/XXXX/XX/XX/XXXX. We closed on XX/XX/XXXX and the funds were received by PennyMac the same day as can be seen in the attached wire print screen provided by our attorney. We were overcharged those two additional PMI payments and PennyMac needs to credit our escrow account for those payments and refund us the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Consultants of California
State: CA

Complaint narrative:
I had XXXX bills from XXXX that i did n't know about at {$100.00} a bill ; XXXX of those bills belonged to my ex girlfriend ... i contacted collection consultants to resolve the issue and they told me that i could n't resolve XXXX of the bills because there was a third party involved so i told them that if it 's on my credit report then i should be able to handle it otherwise they need to remove it from my credit report. I paid off the {$100.00} bill that belonged to me and when i contacted them a few months later to make sure i had nothing else on my report they told me i owed nothing else ... after going online and disputing those false charges on my credit report, XXXX and XXXX immediately deleted them from my credit report ... Collection consultants decided that they had changed their minds and rejected my disputes ; they now claim i can pay those bills or they will stay on my credit report ... they are a bad and disorganized company with evil intentions and will stop at nothing ; they lied to me and now are obviously acting in desperation to collect any money with no regards to the pressure and stress they have caused me ... please help me make sure they stop their unorthodox business practice towards me and all other consumers ... the lady i was in contact with from collections consultants goes by the name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Asset Services LLC
State: PA

Complaint narrative:
On several occasions EAS LLC has attempted to reach a XXXX XXXX at my number. I have had this phone number since XXXX 2016, I have been called multiple times since then. I have told them on several occasions to stop calling me. I have been promised multiple times that my number would be deleted. It has n't been. 

I have reached out by phone and spoken with a supervisor. I have sent an email by way of the company 's website. 

When they called today and I told them I was filing a complaint with the FTC, I was told that it would be a waste of time because they " ca n't touch us. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Academy Mortgage Corporation
State: CA

Complaint narrative:
XXXX License # XXXX ; XXXX NMLS # XXXX denied my loan due to me having XXXX credit score that reached requirements and the other did not she chose the credit score that was the lowest. Along with discriminatory remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Regional Management Corporation
State: SC

Complaint narrative:
Regional Management pulled my credit UNAUTHORIZED on XXXX XXXX, 2016. I have contacted the companies home office at XXXX, and they do n't seem concerned at all that they pulled my credit without my approval for a " prescreen '' for their live check program, and my score dropped XXXX points because of their inquiry. I am in finance and know the laws. They need to be investigated FULLY. Regional Management Corp needs to take their inquiry off my report immediately. They can be reached at Regional Management Corp, XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX ext XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 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: Receivables Performance Management, LLC
State: TX

Complaint narrative:
In XXXX 2014, I completed a form on XXXX 's website to explore possible bundling of services for cable, internet, and phone. I never received a response to my inquiry so I elected to keep my phone and internet with XXXX and set up cable with XXXX. Later, a technician from XXXX came to my house. I was not at home and my young son opened the door and allowed him to enter our home. My son told him that his parents were not home. Shockingly, the technician stayed in my home with my XXXX year old son. The technician plugged a modem in our sunroom which resulted in us having no phone or internet service. I contacted XXXX immediately to report this travesty. An agent assured me that someone would come out to repair our service. XXXX never sent a technician. I continued to call XXXX many, many times about this problem. Each time, the agent told me that a technician would be dispatched. It never happened! Thankfully, XXXX was able to repair the damage caused by XXXX. I was furious when I received a bill from XXXX. Not only did I never receive any service from XXXX, but we had to pay XXXX to repair damage done by the XXXX technician. When I rightfully refused to pay XXXX any money, XXXX contracted with a collection agency. XXXX never followed up on any of my phone calls and never sent a technician to repair the damage caused by its techician. 

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 2015-04-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Genesis Lending
State: NC

Complaint narrative:
I went to XXXX in XXXX, VA. I was a XXXX student. I feel that the loan should be wiped away because the school did not give me what was paid for. For the first 2 months we did not have a teacher. When we got her she was great. The software that was supposed to go with our classes never did work not even XXXX day. The transcription class was not taught. Did n't even open the book we paid for.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
Received a random mailer with a check for {$2000.00} that could be deposited with only a signature endorsement. Loan carried 29 % APR. 

This is predatory lending at its finest. Exact quote from mailer, " So be good to yourself and take advantage of this offer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: ACQ Holdings, LLC.
State: MO

Complaint narrative:
Repeated calls, a lot outside of XXXX - XXXX. They use abusive language, and threatened to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
I have received multiple calls from phone number XXXX A revrese lookup said theyare Receivables performance management located in XXXX va. They are looking for someone named XXXX XXXX. I have told them i dont know who she is but they keep calling me asking fer her hanging up etc. Once person went so far as to say well records show you have the same address. She was most likely the person that was renting here before me. I dont know how they got my number they just need to stop calling me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Home Point Financial Corporation
State: PA

Complaint narrative:
The mortgage company is not paying the taxes from escrow on time. 
1 ) They did not process the payments to tax authorities on time or they sent wrong amounts. 
2 ) Even after multiple phone calls and escalations the problem persists. 
3 ) They deducted the penalties from my escrow account although it is there mistake. 
4 ) Now one of the taxes have gone into Lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 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: Receivables Performance Management, LLC
State: NY

Complaint narrative:
XXXX XXXX continues to attempt to collect on a debt in the amount of {$1000.00} that I do not owe. I have written XXXX debt verification request letters and instead of receiving requested information, my account was transferred to a collection agency, RPM, who is requesting payment for an amount I do not owe.

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 2015-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cascade Capital, LLC
State: CA

Complaint narrative:
received collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX i dont owe the debet they claim as well looked them up online and noticed many consumer complaints regarding this company in which they were eith phishing for data, collecting old debet, and debet not reconised by the consumers as well pulling up credit reports without concent.

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