vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-07 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: NY

Complaint narrative:
Dear Sir or Madam, While was looking at my bank account I realized I my XXXX student payment was taken twice from my bank account on XX/XX/XXXX I contact XXXX, INC who is responsible for the taking money twice from my account and the response from XXXX was only XXXX payment was recorded in my account on XX/XX/XXXX, and I was asked for proof of payment ( Please see the response from XXXX bellow ) I answered to XXXX request immediately and I attached my bank account, ( please find attached my bank account, page XXXX and XXXX shows my the subtraction of funds done twice on XX/XX/XXXX 

I received another answer by ACS telling me I will get a response in XXXX days, that was XXXX days ago. I email them twice already without a response. 
This company practices need to be investigated, I have the original emails when I consolitaded my federal students loans where interest rate was supposed to be XXXX and after XXXX years it will go to XXXX, this company changed the interest rate without notice or explenation to XXXX which I was told over the phone was my current rate. 

Thanks in advanced, XXXX emailsupport & lt ; XXXX ; XX/XX/XXXX to XXXX Thank you for your inquiry to XXXX 's XXXX Services Department XXXX 

After reviewing your account our record indicates that XXXX payment received on your account for XXXX. That payment was received on XX/XX/XXXX in the amount of {$770.00}. You may send us the front and back copy of the cashed check for the second payment in order for a research to be done, or you may send us a detailed copy of the bank statement to show that XXXX payments were made to XXXX in XX/XX/XXXX. 

Please note for future reference that we offer the XXXX ( ACH ) program which allows customers to authorize a banking institution to deduct loan payments automatically from a designated checking or savings account each month. A XXXX % interest rate deduction is offered for this program. You can visit our website at www.acs-education.com and apply online if you wish to enroll in this program. 

If you have any further questions, please feel free to contact us. 

Sincerely, XXXX Mail Support XXXX & XXXX & XXXX ; AttachmentsJan XXXX to XXXX, XXXX Thank you for your response, See attached my XXXX where you can see on XX/XX/XXXX the abstraction of {$1500.00}. Also, I have open an investigation with my bank to make sure I initiated the requested of ACS subtraction of the funds from my account for that month. 

Also, please we need the status of all my accounts with the interest rate charged and balances from the time you acquired the accounts. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 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: MD

Complaint narrative:
I completed my XXXX XXXX at XXXX University XXXX and now work for the XXXX. My federal student loans are serviced by ACS. ACS is very difficult to work with - they have terrible customer service, their policies are not transparent, and their call center operators provide incomplete answers when I call. This year I received a student loan repayment benefit from the XXXX where I work. However, just two days after I received notice that the payment had been sent to ACS, I received a final offer for a new job. I called XXXX ( XXXX XXXX XXXX ) to ask if they could stop payment because my agency will not waive the debt and I would have to pay it back to XXXX. XXXX said they had already cut the check and they could not stop payment. I have since called ACS on two different occasions to ask them to refuse payment. They say it is " their policy '' not to. Now I will have to pay back XXXX out of pocket. It is completely absurd that ACS would not refuse the payment. I am the borrower, current on my repayments, and regardless of whether or not the payment is coming from me or a third party, I should control when payments are made to my account. If I ask them to stop a payment, they should. Now, on the third day I have called ACS, the payment hit the account. I 'm sure I have no way of reversing this now. I am extremely concerned about having to pay my monthly student loan payment ( because ACS says I must continue my monthly payments as-is with no break even though they just receive a huge chunk of money from XXXX ) AND now I have an additional payment to XXXX to cover this debt. Plus I have all of my other bills to pay including housing, utilities, and child care. I have never missed a payment and ACS needs to honor my request to stop payment. I 've tried to work directly with ACS but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
My mortgage loan was sold from XXXX XXXX XXXX to PennyMac in XXXX of 2016. I had at that time been approved for a mortgage modification trial payment. In XXXX, when my first trial payment was due i called in to make that payment. The phone rep asked me my checking account number for the payment. I told them i would like to pay with a debit card, my reasoning behind using that form of payment was that i am on a fixed income and i only get paid once a month so i had to wait till the end of the month for the payment ( within the 30 days required of course ) and i wanted to make sure that payment was made instantly in the event the checking account took to long as i was making sure other payments did n't go through first. This would have put me in a place where my trial payments were not late. 
The rep would not accept the debit card as payment so i was only left with XXXX option of paying through my checking account. The second month came around and i made the payment through my checking account, and the payment bounced as i was n't able to make a more immediate payment with my debit card putting my loan payment through as a priority. 
When i went to make my final payment in XXXX i was told i was kicked off the modification trial agreement. I stated at that time if there were any funds missing i would be able to ensure those payments were complete and they would not discuss this with me. Where i do realize the terms of a modification trial payment is to make the payments on time, i feel as though i was almost set up to fail by denying me an alternate form of payment. I was told " no banks take payments through debit accounts '' which is an absolutely XXXX statement as ALL the accounts i have had accepted those types of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Have applied for a Modification due to loss of earnings and have been denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 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: KY

Complaint narrative:
Hello, I 've had a student loan with ACS Education Services for approximately 13 years. I 've made monthly required payments since that time. I fell behind one month payment recently and I 've been trying to contact customer service to speak about forbearance. I checked my account today in fact- exactly 30 days late. I 've contacted ACS customer service 4 times in the past month, including twice today. Every time I call the representative says they are not " allowed '' to talk to me and route me to the voicemail of a paralegal named XXXX XXXX in the legal department. They will not even answer why they ca n't help me and I have to speak to this woman. It 's very bizarre. I can only assume this is because I 'm 30 days late, which is not very severe in my opinion. I 'm not in collections or anything because ACS is still billing me as usual. They just refuse to help me or speak to me. Because they refuse to help me or give me any customer service as they are legally obligated to do I have no choice but to report their actions. Its so sad that it takes this for me to try and get a simple question amswered about my student loan. The whole thing is truly bizarre. But the one thing I do know is that this company is not following policy in regards to providing help and access to their consumers. I 've never has a account somewhere where they just wo n't speak to you and give you no reason why. I 'm wondering if they are understaffed and and failing to invest in the trained individuals they are required to have on staff. I 'm hoping you can help me get a response from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
Beginning in XX/XX/XXXX I opened a checking account and in XX/XX/XXXX an unauthorized signer was allowed to access my financials. This bank sold out in XX/XX/XXXX and this was allowed to continue.No signature cards were issued during this time and I have been denied these cards. I approached the bank and bank representatives multiple times to have the individual removed from my account, and even obtained letters from the bank stating the individual had been removed however the account was still being compromised. The individual removed over {$100000.00} that can be shown thru unauthorized debits and checks he created and cashed. Because of the illegal actions of this individual and BB & T bank I am fighting court issues with no resolve at this point and time. This is due to the bank continuing to violate law and breech of contract which is enabling them to act as a criminal enterprise and hurt innocent individuals. Subpeonas have been served on the bank for active court case and the bank has refused to comply with these legal request. The bank has failed to issue a letter stating the account in question is mine even though I have all original documents showing such. Due to this continued illegal activity court dates have been postponed and my attorney fees are going up by the day. The banks illegal activity has now taken a lucrative career from me and left me jobless. I have recently contacted regional and national media and intend on making this story national headlines unless relief can be granted immediately. The banks illegal activity continue to effect all aspects of my life and I request immediate action in helping to clarify and correct this matter. Because of this individuals actions along with the bank it has now stopped any future job opportunities and growth I could experience. It has allowed for published written works of mine to be stolen and others as well.

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 — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: UT

Complaint narrative:
Collection Agency reported a collection on my credit report without notifying me in any way whatsoever of this action. The debt is not mine. 

Other companies have contacted me regarding this debt in the past and have claimed it went delinquent in XXXX, which is past the statute of limitations in my state. Midwest Recovery Systems, who is attempting to collect this debt now, claims it first went delinquent in XXXX of XXXX which is a misrepresentation of what has been claimed by other agencies in the past. 

The company has claimed that it is completely legal to place a collection on my credit report without notifying me or allowing me an opportunity to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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: PA

Complaint narrative:
This is a parent plus loan. This loan was was opened with XXXX Bank in XX/XX/XXXX. I think I may have converted it from Sallie May to this because I was led to think that I had to. The original amount of this loan was {$18000.00} but I still owe {$18000.00} as of XX/XX/XXXX. I had some difficulty paying through some of the years and I think some months some payments were deferred. I can hardly imagine that I still owe almost as much as the original loan after all these years. I am now retired and this is a great hardship on my wife and I. I hope, some how, there is some relief I can get from this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Revenue Corporation
State: TX

Complaint narrative:
Collection agency has not provided validation that I owe them for stated debt in the amt of XXXX and XXXX. I have snet numerous letters asking for validation and have yet to get response besides print out of services done from different company. The company did not mark disputed on my credit file as well as has failed to provide documentation of debt owed to them. I have requested for a signed contract that shows I am in debt to ( United Revenue Corp ) collection agency and have n't received anything. The agency as also used threatening tactics that this will remain on my credit file until paid. I do n't owe this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I 'll begin by saying this is n't a duplicate complaint to any other complaints I may have had in the past. I ask that you do n't claim this complaint as a duplicate from any older complaints because it 's not. 

Due to health issues I tried my best to settle this with Capital One but I was given the run around and clearly lied to more than once. I 'll begin by saying Capital One put me on some XXXX XXXX XXXX of theirs without my consent. The program consists of the customer making XXXX on time payments to their accounts of the minimum payment due in which I 've made more than XXXX payments and I 've paid much more than the minimum with each payment I 've made since XX/XX/XXXX which is also when Capital One put me on their XXXX without me knowing. I was told when I make the last payment my credit limit would be increased to {$1000.00}. As I 've stated I 've made more than XXXX payments already yet Capital One has refused to increase my credit limit to the {$1000.00} credit line and it 's not right which makes me further consider not doing business with Capital One any longer because I have health issues and I do n't need any stress from a company about something they promised me. On Tuesday XXXX I spoke to a Supervisor. He tells me my credit limit wo n't be increased until XX/XX/XXXX. I told him that 's not right I have to wait until XXXX XXXX when I 've made XXXX payments already. I also have proof regarding the higher credit limit offered by Capital One which I 'll include with my complaint. 

I have medication that I pay for monthly that I intended to use my card for when the increase was done but now there is a chance I have to wait until XX/XX/XXXX just to pay for my medication and I should n't have to wait that long. Capital One is the one that put me in their XXXX XXXX program because I 've never heard of it until I called yet now they wo n't Honor what they offered. Rather they are able to just add you to any of their programs or not they should send customers something a letter, by mail, or by email because it 's no way they can say they ca n't contact any of their customers to at least let them know what is going on when anything is done with their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
sale date XXXX XXXX notice from pennymac they say XXXX XXXX 2016 talk with XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Capital Management Services, LP
State: MO

Complaint narrative:
Cap Mgmt Called friends ; told them this was my last day to pay and threatened my account would be " sent to the courts ''. I called Cap Mgmt. Told them I could not pay. I told the rep I was on the road and that I would call later. They kept pressuring me to set up a payment plan. Because I was in a dangerous position ( driving ) I agreed to a payment plan I can not execute. I provided them with banking info. This plan was obtained under duress by Cap Mgmt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

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

Company response to consumer: Closed
Consumer complaint received 2016-12-08 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: FL

Complaint narrative:
I have no idea what this debt of {$820.00} is. It have showed up on all three of the credit bureau as of last monnth ( XX/XX/2016 ). Initially there were XXXX accounts showing from this company. XXXX has been removed and I was advised of it the other was never responded to. This needs to be removed from the credit bureaus immediately. I refuse to pay something that does not belong to me. I am also concerned about them having my Information and I do n't know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Said they were sending officers, threatening and very ugly on the phonr

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I 've called XXXX now to PennyMacLoan Services to get my monthly statements corrected. They send the monthly statement towards the end of the month, the payment slip that I un-attach to send with my payment is for the previous month. Example : the statement that I received at the end of XXXX that was supposed to have the payment slip say Due XXXX/XXXX/2015 for the XXXX 2015 payment says XXXX/XXXX/15. It 's like they are a month behind. 
I 'm not behind on ANY of my payments. I 've called them XXXX and no change. 
Also, I spoke to a rep today at Penny Mac Loan Service and I 've never ever made a payment on the phone and somehow, they have someone else 's routing information on my account and the rep asked me to give her my new routing numnber and account number. I got suspicious and I told her that i would send a cashiers check instead.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I am filing this complaint against DiTech and the late reporting to the credit bureaus. As I previously stated, I have tried on dozens and dozens of times to reach a DiTech representatives to discuss the matter, never to receive a call back or an explanation regarding the issues surrounding my account. The following is a list of dates where I left messages for DiTech representatives : XXXX at extension XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. 
XXXX XXXX extension XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX she stated she submitted a verbal dispute, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. 
XXXX XXXX ( manager ) x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. 
XXXX x XXXX - I spoke to her on XXXX/XXXX/XXXX and she said she would have an account manager call me back. I tried reaching her several more times after I did n't get a call and could never get through to her again as she had no voicemail set up. 
XXXX XXXX x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, ( now, no longer with the company ) XXXX x XXXX : XXXX/XXXX/XXXX stated a supervisor would call me back, No call back. 
XXXX Customer Service stated XXXX x XXXX just acknowledged his email and would call back that day. I never heard back from her. 
XXXX x XXXX : stated my account issues go back to XXXX XXXX XXXX? really? 
XXXX x XXXX : XXXX/XXXX/XXXX stated he would review my account and call me the next day. No call back. 
Due to lack of communication from DiTech, and the fact that I tried to discuss my account with numerous representatives to find out where the discrepancies were, they should immediately remove the late mark from my credit report. THE FACT THAT IT TOOK SO LONG TO WORK THIS OUT IS UNACCEPTABLE! The constant different information from different representatives is also unacceptable! My persistence is the only reason we are now at the point that we are. 
XXXX XXXX

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