vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I refinanced my home. They instantly sold the loan. My interest rate is 3.75 % and my payments are {$2100.00}. I just received my first payment, and it says {$800.00} is escrow, {$910.00} is interest ( way more than 3.75 %!!! ), and only {$440.00} is principal. This can not be right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: FL

Complaint narrative:
DriveTime Financial whom my auto loan is through refused to change the date of when my payment is due. I advised them my company 's payroll dates were changing and the company refused to change payment dates as a one time courteousy to be line with my company 's payroll dates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 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:
My student loan servicer is ACS Education. In XXXX 2016, I submitted an application to XXXX ( XXXX ) to consolidate my federal student loans at a lower interest rate and to also qualify for the Public Service Loan Forgiveness program. A few weeks after I submitted my consolidation application to XXXX, I was informed that my application was denied because ACS Education had failed to certify the loan amounts. 
As part of the consolidation application process, XXXX makes a request to ACS Education to certify the loan amounts. ACS Education is supposed to provide XXXX with Loan Value Certificates. As of today ACS still has not sent those certificates to XXXX. In XXXX, once I learned my application had been denied I contacted ACS. I was told that ACS is still working on the certificates and making " adjustments ''. The most outrageous part is that the representative on the phone could not tell me when the certificates would be completed. Since XXXX, I have called ACS several times and each time I get the same answer that ACS is still working on the certificates and can not tell me when they will be completed. 

It is literally going on six ( 6 ) months and I still have not been able to consolidate my loans. This is truly unfair, as I have been subjected to higher interest rates and I am losing credit time towards the Public Service Loan Forgiveness program as I must be serviced by XXXX to qualify. I am literally being held kidnapped by ACS Education who refuses to issue loan value certificates so I can consolidate my loans with another company at a lower interest rate. I have done some research online and there have been a ton of complaints and lawsuits made against ACS Education. 

One important note is that when I contacted PHEAA to inquire as to why my consolidation application had been denied, the representative on the phone explained to me that PHEAA always has issues with ACS and getting loan value certificates. Appropriate action must be taken against ACS Education as this is truly unfair to consumers whose loans are serviced by ACS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 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: TX

Complaint narrative:
I have a collection showing on my credit report from Midwest Recovery System with a loan on XXXX XXXX, 2016 for {$910.00} and referring to XXXX XXXX. I have never opened an account or secured a loan on XXXX XXXX, 2016. The dates are false and I owe no amount of {$910.00}. This collector is falsifying information to place a newly open account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have told them repeatedly to stop calling my employer, they continue to call and are verbally abusive

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I attempted to make a payment on the company 's website, and they took the money, however, I received written correspondence stating that they wo n't honor the payment to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 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:
Was recently notified by XXXX, XXXX and XXXX XXXX XXXX that a collection account was added to my credit report by Midwest recovery Systems alleging an unpaid debt of {$660.00}. This is fraudulent as I have not opened any credit accounts with this company or the one listed as XXXX XXXX. I have reported this entry as fraudulent " account not mine '' per FCRA XXXX. I have also verified that Midwest Recovery has numerous complaints XXXX with XXXX for similar entries against other consumers additionally have multiple complaints filed with the CFPB all stating they were notified through credit monitoring service of a debt that they too did not open. Finally I have also researched the State of Florida licensing bureau and found that Midwest Recovery systems license to collect expired XX/XX/2012 i. The state of florida and another filing was denied. This unlawful practice needs to be addressed and removed completely from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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:
Attempting to collect on a debt that is not mine. Agency is posting negative information on my credit reports. Disputes with the credit bureaus have not resolved, as the collection agency indicates, to them, that it is a valid account. Contacted the collection agency requesting a copy of the application, the promissory note, and proof of original payment to me ; so far they have ignored me. Collection agency purchased the account from XXXX, another collection agency. Before the negative comments on my credit reports, I 'd never heard of any of these loan sharks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Midwest Recovery Systems
State: CT

Complaint narrative:
I received an alert from my credit monitoring system that I had new changes. When I reviewed, there were XXXX new collections, dated XXXX from Midwest Recovery for XXXX XXXX for XXXX and XXXX XXXX for XXXX. I then contacted Midwest Recovery because I have NO knowledge of these debts. They informed me that they were payday loans take under my SSN through my personal email on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX respectively and in my former name. I did not take out these accounts and have n't used my former name since XXXX. I also do not hold a bank account with the bank that the funds were deposited into and never have ( XXXX ). I was told to file a fraud report with my local police department and have but they will not remove the items from my credit report and they do not belong to me. I went to the FTC website to learn what I needed to do about the fraud and it directed me here.

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 — Received bad information about my loan
Company: ACS Education Services
State: MN

Complaint narrative:
I have a student loan with the company ACS based in XXXX, NY. I have been unfairly charged interest amounts due to lack of attention to my account. I have also been denied the ability to pay in a timely matter. I have served in XXXX XXXX and I have been given money to pay my interest payments while in service. ACS has not accepted the payment action requested by XXXX XXXX to issue the interest payment. My first request was in XXXX 2016 and I have been dealing with customer service reps that have told me that they have not received any request. I resubmitted my interest payment request XXXX XXXX, 2016 with a rep on the phone and was told to wait 2 weeks. Today is XXXX XXXX, 2016 and there was still no action taken on my account. I was once again met with " We have no request on file ''. I asked to be connected to a supervisor, I was connected to XXXX XXXX. She was able to find the request and told me that it was being audited. When I asked the following questions I received the answer " I Do n't Know '' each time. Question 1- Why have your reps not been informed of this audit? Question 2- When will the audit be completed? Question 3- Will it be completed while I am still able to use my XXXX XXXX XXXX? I then requested to speak to her supervisor and was connected to XXXX XXXX. Her response was I ca n't tell you any more than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I am interested in making weekly mortgage payments in order to decrease the length of my mortgage loan and reduce the amount of interest that I will pay over the term of my loan. I contacted my mortgage company and was told that they only have a bi-weekly program available and that they discourage clients from paying outside of the normal monthly payment schedule, as these payments are customarily held and not applied properly to the clients accounts. I should be able to choose the manner in which I make my mortgage payments as long as by the XXXX of the month, the entire mortgage payment is received by the lending institution. Also, it is quite disturbing to be told that they discourage this practice and that they are aware of the mishandling of the monies that are paid outside of the customary monthly payment schedule. Obviously, the lending institutions would prefer to have all clients pay only once monthly so that they can collect the full amount of interest that would be owed on the loan, but consumers should be giving the option of making payments on a different schedule, that may better suit them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Not sure where to start but the loan modification that i applied for with Penney Mac was on going but Penney Mac decide to move forward with the foreclosure sale even after stating in the month of XXXX that there was no sale date to worry about and the Loan Mod was in process I do n't understand why this company is XXXX XXXX on foreclosing on my home when i have supplied them with 99 % of the required documents for a loan modification review, I have repeatedly told Penney mac i would like to keep home and obtain a loan modification and not lose my home because of one outstanding document, which they have now as of the date of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ACS Education Services
State: TN

Complaint narrative:
I have a student loan that was cosigned by my grandfather. XXXX XXXX on XXXX XXXX, 2015 apparently was attempting to contact one of us reference this loan. The person representing this company left the following voicemail on my parents phone : " Hi this message is intended for XXXX XXXX XXXX or XXXX XXXX XXXX. If you are not XXXX XXXX XXXX XXXX XXXX please hang up. This is XXXX calling from XXXX XXXX. Communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. I need a return phone call back today. My number is XXXX. Refer to file number XXXX. '' Someone from XXXX XXXX had spoken to my grandfather around XX/XX/XXXX. Apparently the company did not like the information my grandfather gave them so they continue to call looking for me. 

My complaint is does n't the voice mail violate the FDCP Act? It is my understanding that according to the act they can communicate with a third party by advising who they are and obtain location information. It is also my understanding they ca n't advise they are a debt collector and that I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
PennyMac is charging us for taxes although we are now tax exempt by XXXX County Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
I applied for a modification with PennyMac and I was told that I do not qualify because my loan is traditional and is not secure by XXXX or XXXX XXXX. Therefore, I hired an attorney and I was still given the run around with an attorney. I went to a XXXX home saving cnovention and PennyMac still gave me the run around : as a result, I called PennyMac and I was told to submitted the modification information therefore I did by fax and through PennyMac 's Attorney and I was told that they did not get all of the information therefore they rejected my modification and now my own is in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: IN

Complaint narrative:
I took out this internet loan, {$300.00} and have been making installment payments every two weeks. I did not know that they were not licensed in Indiana that that their percentage rates were unallowed. As of this date I have paid back approx {$600.00} - their percentage is 761.09 % which is well above the percentage rate allowed. I believe that I do not owe these people any more money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 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: National Credit Adjusters, LLC
State: MI

Complaint narrative:
On XXXX/XXXX/2015, a collection company named National Credit called my landlord trying to locate me concerning a debt claim. The debt in question is from an old XXXX XXXX account which is currently being disputed. The caller did not announce they where a debt collector and pretended to be a potential employer trying to gain information concerning my address/employment. I am unable to work due XXXX within the last three years. The constant harassment from this company is extremely stressful and totally unnecessary. On a previous occasion, this company told me to sell my belongings in order to pay this debt when I told them I had recently had XXXX and was unable to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 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: OK

Complaint narrative:
ACS is incorrectly reporting XXXX late payments on my credit report when my account was supposed to be in deferment or forebarance. I have asked them to provided proof of the late payments and they have failed to comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have asked this company several times not to call my job and they continue to. They called from XXXX on XX/XX/2017 @ XXXX, XX/XX/XXXX from XXXX @ XXXX, XX/XX/XXXX from XXXX @ XXXX and XX/XX/XXXX from XXXX@XXXX They continue to call my job daily. If they do not stop I will file a lawsuit for harrassment against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SQUARETWO FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Original Creditor is XXXX, XXXX, then it was sold to Cach , LLC and now Fresh View Solutions has the account XXXX. This is not my loan, I have a police report and a fraud affidavit I sent numerous times to all XXXX companies. I have also sent XXXX information on this too and they are still reporting XXXX on my credit report. This is not fair that I have provided the information and I am still be punished for something I never received.

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 monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
On XXXX XXXX, 2016 I received a phone call from ( XXXX ) XXXX XXXX at XXXX am EST, stating she was a debt collector from XXXX in XXXX. I live in XXXX and asked that the bill be sent to me. The agent refused and said I needed to pay and that " we sent you the bill you just trashed it '' at that point I told her the phone call is recorded and she laughed and ended the call. I as simply asking for the bill to be sent to me and telling me that I " trashed '' the bill instead of sending it to me is completely harassing and making lude comments about throwing things away is unnecessary.

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 2015-10-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
On XXXX XXXX I activated my visa rush card. I was due for a payment from my employer on XXXX. I checked with my employer and they informed me that the money was sent to my account at XXXX night. When I called to check my balance on my rush card it says my card is inactive. I called the rush people and they explained to me that they were having computer issues and they would have my card active in XXXX hours and assured me my money would be there. Since then I have called everyday and I am not able to speak to a customer service rep my card is still inactive and I am unable to get my money. I was also promised an email and still have not heard anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
On XXXX/XXXX/2015, I had and unauthorized transaction debited from my account in the amount of {$190.00}. I called the merchant and they advised me that they did not see the transaction in their system. I disputed the transaction the same day Ticket # XXXX, on XXXX/XXXX/2015 I reached out to Rushcard and was advised that I would I to start the process over because they had system problems when I filed my original dispute. 

I again spoke with Rushcard the following week, and they advised my that they spoke with the merchant and was advised that they did not see the transaction in their system. The rushcard agent advised me that even after they spoke with the merchant and was advised that merchant did not see it in there system they still have to investigate the matter. 

I advised Rushcard that they have no right to withhold my funds after communication with the merchant collaborated my statement. 

Ruchcard is in violation of my consumer rights my not returning my funds after the dispute was collaborated by the merchant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NRA Group, LLC
State: NY

Complaint narrative:
The National Recovery Agency has repeated called me. The company refused to leave messages and hangs up on me when I ask why they are calling. They are asking for confirmation of personal and sensitive information over the phone. They are rude and refuse to provide any information about why they continue to call me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NE

Complaint narrative:
Took XXXX days to get my funds from XXXX act and ten days for the other

Company response to consumer: Closed with monetary relief