vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
In XX/XX/XXXX 2015, I requested a simple letter of consent from PennyMac for a resubdivision of property. I received a packet with instructions dated XXXX XXXX, 2015. I immediately sent in all the necessary information. Since then they have verbally told us the consent was okay with PennyMac, but will not draft a letter to that regard. They want our city to provide a form, which our city does not have. My city stated they only need a simple letter or even an email that PennyMac is not opposed to the subdivision. PennyMac said I could have a title company prepare the letter, but they would not accept what my title company would provide as they wanted it on the title company 's letterhead. Since the title company had no association with the transaction, they would not put it on their letterhead. I put PennyMac in direct contact with the title company, but they could not clearly direct them on what they needed as they have been unable to do for me, my city and even their own title company. After many conversations and many many many hours, PennyMac was going to have their title company prepare a document at our expense. But after a week, I was told their title company could not or would not prepare the document. Finally, after putting them in contact with my city planning and my own title company, my title company drafted the letter. Since then, XXXX XXXX, XXXX XXXX and XXXX XXXX last name unknown ) have not returned calls or emails. We are now almost XXXX months into the problem and without the solution. 
The entire time I was struggling to get a simple letter from PennyMac, they neglected to pay my flood and homeowners insurance and one house and I was left uninsured, despite several communications with PennyMac 's insurance department by both myself and my insurance agent. Additionally, they billed me incorrectly for my escrow and left me with a large unpaid balance that now must be made up for. 
PennyMac 's competence is sorely lacking along with their representative 's customer service skills leaving their customers without updates and not returning calls. Their customer service system is designed ti fail the customer.

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 2016-02-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
National Credit Adjusters , LLC XXXX Date Opened XXXX/XXXX/XXXX Date of last payment XXXX The above-referenced debt, I have disputed this debt with XXXX back in XXXX XXXX. The dispute was in reference to the account being past the statute of limitations of only 4 years ( XXXX XXXX ) for the state of Georgia. This dispute was honored and deleted from my credit report on XXXX XXXX, XXXX. 

This company is trying to garnish my wages for an account that is stale and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
The Mortgage company has omitted some of our mortgage payments for the last two years and they are trying to foreclose on us tomorrow. We, need help to hold the Mortgage Company liable for misappropriating your mortgage payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC
State: OH

Complaint narrative:
I have attempted to contact my servicing company 3 times with respect to a canceled auto debit that caused me to need to pay a {$10.00} fee to avoid a late charge. I suspect CMC Funding ( XXXX, XXXX ) has done this to many others as well. Below is the text of the message I have sent them without response. In addition to the problem described below, they collect escrow to pay property tax and insurance. I am now 6 months into them servicing my loan and my county ( XXXX, OH ) still has the old servicer as the tax mailing address. This means that my tax bill never get to this servicer and I will need to come out of pocket to pay property tax and the servicer will just continue to accrue my escrow payments. I informed CMC funding that the tax mailing address was still wrong several months ago and no correction has been made. Interestingly, they have a " consumer advocate '' whose website is not functional ( when clicking on links I get an Error XXXX ). Please intervene to correct the issues described. I would like the {$10.00} late fee applied to my principal balance, my entire escrow balance applied to my principal, canceling of further escrow payments without penalty ( I will manage my own property tax and insurance payments since this servicer is incapable of doing so ), and the extra payment I made in XX/XX/XXXX should also be wholly applied to principal as well. Thank you. 
Begin message sent to CMC 3 times to date : My autodraft originally scheduled for XXXX XXXX was canceled without my consent after I modified the autodraft to add some additional principal. The confirmation said this would take effect XXXX XXXX but gave no indication that the XXXX draft would be canceled. I had call with your customer service that confirmed no late fees would be assessed. I did n't realize the autodraft did n't post until XX/XX/XXXX at which time I scheduled a one time payment with a {$10.00} fee for the XXXX. During the process I inadvertently scheduled XXXX payments. Provided that the XX/XX/XXXX autodraft will draw as scheduled ( please DO NOT cancel this ), please re-cast the payment that posted XXXX XXXX to reflect the payment due XXXX XXXX ( as posted ) and credit the additional {$2600.00} paid on XXXX XXXX to principal instead of towards an early XX/XX/XXXX payment. Therefore my XXXX XXXX autodraft will make the XXXX XXXX payment. Please also refund the {$10.00} online payment fee and credit that towards my principal as well. Thank you.

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 2017-03-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Based on the Foresnic Analysis, I discovered truth in lending and preditory violations in my loan. Therefore the third party debt collector ( PennyMac ) needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
Pulled my annual credit report and show this collection agency is reporting me for a XXXX great adventure account. I never authorized any XXXX account. I called this agency asking for proof, the collection rep laughed at me and put me on hold for a half an hour. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I received an email threatening from XXXX indicating they will sue me if I do not pay for a debt I have no clue about in the amount of {$1300.00}. This company have never once notified me with validation of this debt via usps mail, and I do not know what debt they are referring to as I never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
The purpose of this statement is to complaint about the manner in which Penny Mac handled my foreclosure action. Since XX/XX/2016. I started processing a short sale and advise them of the intention of doing so. I have been in constant communication with them and was submitted and denied, with the suggestion to make a counter offer. Emails have been back and forth, however, they never expressed their intention to foreclose on the property and apparently they have executed the sale, without giving me the chance to dispute their decision. Moreover, they lead to believe that they were acting in good faith as they entertain the Short Sale offers, and corresponded via emails with seemly intentions to fulfill the sale. I would like to have the opportunity to be given the chance to finish the short sale as it would avoid the hurdles that comes with losing a property as a result of a foreclosure action. I would like to have the case reverted and be given the chance to fulfill the short sate at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Sirs-I am a XXXX here in Arizona and understood that under the new regulations you in part promulgated that we are not allowed to give discounts to our fees for any mortgages we originate. The reason I say this is that as you can see from the attached Wells Fargo, our competitor, is doing just that with the XXXX XXXX XXXX. If this is allowed then are we allowed o do the same to groups such as these? I have heard as well of other companies doing this for emergency first responders, teachers, etc., ( I can furnish names of these companies is need be ). We would like to do the same. Please advise.

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 2016-11-07 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: AL

Complaint narrative:
Today, XXXX XXXX, I received an alert regarding my credit reports ; therefore, I login to see a new collection account from the creditor. I 've never had a payday Looan with original creditor nor have I been contacted by the creditor. My credit toke a XXXX to XXXX point hit over something I 've never owed. I research company and noticed many other consumers stating they received hits on their reports this month as well unexpectedly. This should be illegal. I 'm just asking for relief. Repairing my credit after a bad marriage has been hard enough and to have this happen makes it feel useless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates
State: MO

Complaint narrative:
WE had XXXX and we moved so they came and removed the equipment. We were in a 2 year contract, we tried several times to get someone to come to our new home to install the equipment and appointments were not kept. We received this threat letter in the mail. The collection company wants us to pay XXXX to XXXX XXXX Now, I do not know who they are since we contracted with XXXX. We do not know what the XXXX is for as the letter does not explain, they just want us to pay.

Company response to consumer: Closed
Consumer complaint received 2015-10-15 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: IA

Complaint narrative:
On XXXX/XXXX/15 I paid ACS education services {$340.00} out of my checking account. Instead of taking out {$340.00} they took out {$680.00}. I have called them them twice to inquire about when my monies will be put back in my account and they state " 24-48 hours ''. I have yet to see the money in my account. I have other checks outstanding and if they do n't put the money back in my account, i will be penalized by my bank. What they did was theft plain and simple and they are dragging their feet to correct it. My account # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Midwest Recovery Systems
State: MO

Complaint narrative:
On XX/XX/XXXX XXXX ; Amount {$800.00}, totaling {$1200.00}, appear on my credit report. I filed Bankruptcy on this XXXX/XXXX/XXXX. The case number is # XXXX and it was XXXX on XXXX/XXXX/XXXX .It has been 7 years and they 're trying to collect on this. I want this removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services
State: NY

Complaint narrative:
The company is continuing to update my credit reports stating that I am 120+ days past due. This loan was paid off in consolidation XX/XX/2014. I have disputed this account several times and the company is refusing to update and report inaccurate information. This false information has caused me denials of credit. This company is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
NCA ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you NCA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : NCA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
A few weeks ago a collection agent called my XXXX year old mother upsetting her looking for me about an emergency case and left a number. I called back and a lady said I was being sued for XXXX account from 2008. I told her to stop calling this was way past 7 years old. Two days ago I was notified by credit karma that a collection account was put on my credit report. I called number on my collection account and spoke with XXXX. He emailed me a letter of collection but claimed he did n't have original creditor info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services
State: MA

Complaint narrative:
I received a XXXX tax for from the school loan company ACS ( XXXX XXXX XXXX ) stating I was paid {$710.00} in other income. When I called to inquire about this, ACS told me they had made a mistake on my loan payment in 2011 and had to make an adjustment this year. I asked when this adjustment occurred, since I could not see it on my payment record. They told me the adjustment was applied 'behind the scenes ' and would not show on my payment records screen. This leads to my specific concerns : 1. I do not see how an adjustment for a mistake on their end becomes taxable income on my part ( I was in school at the time these funds should have been applied and would not have had to pay tax on them ). 

2. The corrections are too opaque. If there is no evidence of an adjustment, how to I know it occurred. 

3. This reported income has changed the amount of interest they are claiming I paid on my loans this year. According to my online payment records on the ACS website, I have paid {$1600.00} in total on my loans this year, with {$630.00} being applied to interest. Yet, my XXXX reports that I have only paid {$10.00} in interest this year. 

4. The XXXX form was sent to my house without any indication as to why and what it was. I had to investigate on my own only to discover the form was for payments issued by a company, which surprised me because I did not receive any funds from ACS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Management Services, LP
State: CA

Complaint narrative:
I opened an inquired around XXXX 2016 against CAPITAL MANAGEMENT SERVICES LP for attempting to collect a debt for the amount of $ XXXXPlease look case XXXX. I did n't dispute their response because on his response letter. This company said will cease all collection activity and in its letter states to have the Creditor verify the alleged debt owe direct to me, so far none has verified the alleged debt of {$900.00}. Today I received a letter in XXXX from this company again trying to collect the same debt without verifying the debt as I inquired on my original case against CAPITAL MANAGMENT SERVICES LP Case # XXXX.I would like the CFPB step in to check into this issue if this company has violated any Consumer Protection Credit Laws I 'm attaching as referral the company response letter from the previous case and the letter I received today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP
State: NM

Complaint narrative:
I get daily calls from Capital Management Services looking for a person I do not know about a debt. I have told the callers on at least three occasions that they have a wrong number and that I want my number taken off their call lists. I put a three month block on their number but now that the block was lifted the calls have begun again. I plan to return a call to XXXX XXXX XXXX XXXX to ask again to be taken off their call list and to let them know that I have filed a complaint with the CFPB.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 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: VA

Complaint narrative:
I paid off my XXXX Student Loan over two years ago. I am now being denied credit because the servicer ACS is reporting that I am XXXX-days late in making a payment. I have tried numerous times to reach out to ACS to fix the problem but I can not get a hold of an actual person and now the company has been sold to XXXX and I have no clue as to who to write or call to get this fix. My end result is to get this negative information removed from all XXXX of the Credit Reporting Agencies as it is FALSE/INCORRECT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I do not know what this is! I have not had a payday loan in over NINE years. I paid a company over 2years ago for an XXXX XXXX loan I overlooked. I still have a copy of the " PAID IN FULL '' letter I received. Now, this Midwest Recovery is saying that I still owe! This is not right! Has to be some mistake!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I am working on a short sale with Penny Mac. The loan is a VA Loan. A VA Appraisal was conducted and resulted in a appraisled value of {$300000.00}. 
Penny Mac decided that the value " appeared '' to low and ordered a BPO. This BPO apparently resulted in a value of {$320000.00}. 
My concern is that Penny Mac is not following VA Compromise Sale ( short sale ) rules. 
How can Penny Mac deviate from the government rules of a VA guaranteed loan?

Company response to consumer: Closed with explanation