vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Leviton Law Firm, Ltd.
State: MD

Complaint narrative:
Ive received 2 voicemail 's from the XXXX XXXX XXXX representing XXXX in regards to a debt for my business. I called and spoke with XXXX, who stated that I owed a debt from a policy that I had from XXXX XXXX to XXXX XXXX. I had no knowledge of the debt so I asked for additional documentation. He could not provide that but offer to give me the contact of the debt collector. The gentleman by the name of XXXX XXXX was rude and could n't provide any additional information in regards to this policy/debt and asked me not to contact him anymore. Both parties will not send any documentations and I will not claim a debt that I have no documentation for. I have included the times and dates of our conversations. 
XXXX Voicemail ( Law Firm ) XXXX Voicemail left by XXXX ( Law Firm ) XXXX ext XXXX Case # XXXX Policy # given XXXX XXXX/XXXX/XXXX Phone calls between myself and XXXX XXXX Phone call between XXXX ( XXXX contact ) , contact # XXXX Please investigate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 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: OR

Complaint narrative:
Following the complaint I filed last month ( Case Number XXXX ), XXXX XXXX of ACS stated that on XXXX XXXX, 2015 {$12000.00} was deposited into my bank account electronically. 

First, no funds have been deposited into any bank account I control. Upon discovering this, I have made repeated calls and emails to ACS and XXXX XXXX for over a week. Thus far, none of them were returned. By calling the main line, however, I was able to speak with a base level customer service employee who informed me that the {$12000.00} was sent to an account with XXXX XXXX XXXX. I have no XXXX account on file with ACS, the XXXX account I once had was closed a long time ago and all references were deleted from my end of their system in XX/XX/XXXX and updated to XXXX XXXX XXXX. I do not know why ACS sent the funds to XXXX, nor do I know who currently is holding those funds, but I do not have any accounts with XXXX and can prove that fact. Consequently, no funds have been returned to me, despite XXXX XXXX 's claim that they were. 

Second, I did not authorize this transaction. In fact, when I became aware of the situation, I left XXXX XXXX a voicemail indicating that I wanted to be fully informed of the financial ramifications and how interest would be calculated prior to any action. No authorization was made. Had XXXX XXXX called me back, I likely would have refused the refund or, at the very least, informed him of the proper place to send the money. 

Third, I have repeatedly called XXXX XXXX and the Resolution service of ACS and no one has returned my calls. I have also emailed them and have received no responses. The only success I have gained is with base level customer service, but they are unable to help me and were merely able to inform me that the money was sent to XXXX XXXX XXXX. 

As it currently stands, it appears that ACS has taken {$12000.00} and it appears they have no interest in even discussing the matter with me directly. 

Surely, if this remains uncorrected it must be a violation of civil and criminal law. I ca n't imagine you can simply seize over twelve thousand dollars without any repercussions. There must be some form of fiduciary duty in play with regard to the payments that I had already made to them. I can not imagine that ACS is allowed to erase past payments without authorization, and then send that money to a random XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: NC

Complaint narrative:
Midwest recovery systems has filed a false claim on my credit report. I never recieved any notification about a debt or communication. It is reported on my credit report as of XXXX XXXX 2016 for a XXXX XXXX XXXX. XXXX XXXX XXXX I have researched is a " pay day '' loan company. I have not taaken out a pay day loan and do not owe this debt. I have been monitoring my credit for the last 3 years and this just appears without any notice. I have written them and demanded they remove this negative item immediately. I also imformed them that " Payday '' loans are illegal and unenforceable in NC. I have not taken out a payday loan, and do not owe this debt. I am a XXXX and will take this to litigation as a class action suit as I am sure I am not the only XXXX they victimized in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Management Services, LP
State: ME

Complaint narrative:
Capital Management Services called our home phone and also my husband 's cell phone. I called them back and they asked my name. I asked who they were looking for. Again they asked my name. I told them. The woman said there was a personal matter with me. Then asked my middle initial and the last XXXX of my social. I asked what this was about. She said they needed to verify who they were speaking with. I refused. She said she had my info. I asked what it was. She refused. She then asked me what my birthday was. I asked what the call was about and she would n't tell me. She told me I was not cooperating. I asked what this was about again. She would n't tell me. I told her not to call my phone again. I have NO idea who they are looking for and or what the call was about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I 've been XXXX since XXXX with private XXXX as my only income until XXXX. In XXXX, my private XXXX company began to withhold my monthly benefit from me reducing my income by more than 50 %. This is non-cancellable policy insured to age XXXX. I purchase my home in XXXX XXXX with a loan from XXXX XXXX, who sold it to XXXX. I notified XXXX of the hardship. They informed me I had to apply for Hardest Hit funds first before I could get a loan modification. I did and Hardest Hit funds were applied to bring my loan current. Then I asked XXXX for a loan modification. XXXX turned me down because my loan was current via Hardest Hit. once the Hardest Hit funds were exhausted, I I applied for a modification. Through XXXX 's delays and putting me off- by the time they finally began talking to me about loan modification, they said I was too far behind to qualify for many programs. Many of the HARP programs I did n't qualify for because I purchased my home in XXXX. However, I was forced to purchase this home due to being displaced from my home purchased in XXXX XXXX as a result of an unexpected divorce. A home that I owned with my husband, but I was not on the loan with. I was the person who serviced the loan, but the lender would n't transfer the loan into my name because the house would n't appraise for the amount owed. 
In XXXX XXXX finally agreed to let me make trial payments which I did. After the 4th or 5th payment, they sold my loan to PennyMAC. They did n't like my signature the first time, then they did n't like the military format I used for the date the second time. Then there was some vague language about a {$60000.00} balloon at the end of the loan I did n't understand. As I communicated with PennyMAC, I was told my loan was in review as late as XXXX XXXX. The loan docs were expired, and they could n't send new ones but said I could apply for new ones. XXXX XXXX I received foreclosure notice and date to sell my home of XXXX XXXX. We submitted new documents immediately, but they only confirmed the docs on XXXX XXXX. They said it would take 30-45 days for an answer. 18 days later they rendered a denial saying they had exhausted all options and that my income was too low and what I was behind with penalty and fees was too much. As soon as I hung up with XXXX XXXX, I went to XXXX for an eligibility questionnaire and I qualified to apply. I received a confirmation number and will receive logon credentials for an application within 24 hours. l have a debilitating condition and I care for XXXX XXXX children who need the stability of our home which we 've enjoyed since XXXX. We 're the very example of why these programs are created, but the process is too complex to make them accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The debt collector calls everyday repetitively all day on a debt that I do not recall. The amount they are requesting is XXXX from a XXXX and XXXXfrom payday XX/XX/2009. 
# XXXX Fax # National Credit Adjusters Contact # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I was a victim of identity theft, This Company Keep reporting information not mine to all credit bureaus ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: MI

Complaint narrative:
Spot Loan was charging me interest I did n't expect. I tried to work with them and asked if I could pay off the principal amount with reasonable interest and they refused. Then upon further research I found they were not licensed in Michigan. Now, they are trying to sue me. I requested an {$800.00} loan and they are trying to collect over {$1600.00} from me. Please help me resolve this.

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 2016-11-08 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: OR

Complaint narrative:
I checked my credit and found a collection item. I called Midwest Recovery Group, which told me this is from XXXX XXXX, another debt collection company??? I was told this was from a payday loan in XXXX Ca. in XX/XX/XXXX, I have not lived in XXXX since XX/XX/XXXX. I have not been notified of this, by mail, phone or email. I have no outstanding debts to be put in collections. I do not know who the ORIGINAL creditor is supposed to be. I have been getting calls now for about 2 years and every time I turn to CFPB and get results. I have had this removed before because it is not mine, beyond collections in Ca. I asked for validation to be sent to me but the person never asked for my correct address after I told him I have not lived in XXXX since XX/XX/XXXX. This is a scam just like all the other complaints I have filled out. If this is a payday loan then it its supposed to be arbitrated and no attempt has been made in a legal fashion.the process to put such an item on my reports was circumvented in violation of the FCRA. I have absolutely no information on this debt to even begin disputing it.This is an end run around the law because whatever this is can not stand up to the scrutiny of a court room. In court I have discovery and can get to the bottom of this. I believe it is not mine and the light of a court room would prove this is not mine and who ever is responsible for this item will be found uncollectible due to age of said item. This is a scam and I want my info back. My info has been breached by XXXX XXXX, XXXX, my local hospital and my XXXX doctor in XXXX Ca. I can not fight or dispute this as I have no information about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: COMMERCE BANK
State: IL

Complaint narrative:
Still reported missing payments in XXXX after it was discharged in BK in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters calls me multiple ( more than 3 ) times per day from different phone numbers. I answered the phone today ( XXXX/XXXX/16 at XXXX ) and I explained to the collector, " Your company calls me repeatedly and I am at work, I am unable to receive calls. '' The woman on the phone stated, " No we do n't, you 're making that up. '' I informed the woman that I would be filing a complaint and calling her supervisor, to which she became increasingly volatile and condescending. I left a message for the collector 's supervisor, XXXX, around XXXX. I have not received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
i received an update on my credit report and I now have a collection reporting from a company names MIDWEST Recovery. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime
State: IN

Complaint narrative:
I financed a vehicle through DriveTime Automotive Group Inc. 
I made an initial down payment on a XXXX Ford Fusion. The payment amount was {$900.00}, and the bi-weekly payments were XXXX thereafter. For six months I made every payment on time and some even a day early. Some time in XXXX all of a sudden everything in my account was reversed and reapplied, and my statement now showed XXXX transactions per day where money was coming in and coming out. I have my bank records that do not mirror this activity. After that adjustment took place, I started to notice all of my payments were now going to 100 % interest and my Principal balance on my loan was not being affected. I have called and asked 5 times ( FIVE TIMES ) to have this reviewed. Each time a manager told me they would have it reviewed and someone would call me back. I have spoken with their collections manager who promised to escalate my call to payment research and PROMISED me a call back. I have heard nothing in over a week, and my next call in, the rep who took my call said there was no record of any conversation. My current payments are all still applying 100 % to interest ... My principal balance has not changed in about 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: KY

Complaint narrative:
Bo ... ught a vehicle from drivetime due to bad credit cause mu XXXX mustang was rear ended and totaled and needed a car quickly for va appoiontments. loan had a 24 percent interest rate and a broken down 5 times in two months. Going under cause problems are not covered by the liited warrenty you are forced to buy for XXXX and gap ins for XXXX. I had a XXXX mustang that was rear ended and they say I owe XXXX because I did not not [ urchase gap ins.. They originally said XXXX a month was ok so I went anf got a XXXX car and ins for it. 
three weeks later I get an email saying that deal is is void and have to pay XXXX a moth for 36 moths on top of car and ins. payment..

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: Payday loan — 
Issue: Can't contact lender — 
Company: Midwest Recovery Systems
State: IL

Complaint narrative:
I received an alert from XXXX that Midwest Recovery Systems placed a negative item on my credit report. When I called them, they said I took out a loan from XXXX XXXX XXXX in XXXX of 2011 and that I owe {$660.00}. Midwest Recovery Systems did not send me a letter about this debt before this negative item was put on my credit report. In addition, I do n't remember taking out this loan. Also, Midwest XXXX XXXX is not licensed to do business in XXXX Illinois, so the loan is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Three years ago, roughly, I partially applied for a loan at XXXX XXXX. As the final step the woman on the phone wanted to have a recorded conference call with my bank, XXXX XXXX XXXX. The bank rep asked some pointed questions, and I told them thank you, but I did not want the loan. No money was put into my bank account ( The bank closed and I can not get records now ). XXXX XXXX has declined to provide proof of their supposed deposits, and their own phone recording has me repeatedly saying " NO '' ( the woman would n't get off the phone and I finally hung up ). 

They became a nuisance in attempting to collect a non-loan, and I filled a police report with the XXXX County Sherriff 's Dept. in 2014. 

Now I am getting calls at work from National Credit Adjusters, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
PennyMac took my XXXX XXXX mortgage payment of {$1600.00} and applied it to late fees and then put the rest in escrow. Then they reported my mortgage as being 30 days late causing my credit score to drop XXXX points. When I called them on XXXX XXXX, XXXX, the rep I spoke to acknowledged what they did, apologized and said she would fix everything including reporting to the credit bureau that I was never late. All she said was I owed {$180.00} in late fees which I paid on the spot. I could hear her boss in the backroom agreeing with everything she was saying to me. The next day XXXX XXXX I paid my XXXX payment of {$1600.00}. That afternoon I started receiving calls that my mortgage was late and I called them back every time. They called on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and now today the XXXX. Every call was XXXX plus minutes long stating everything that was taking care of on the XXXX XXXX call. Everyday but today they have said oh ok, we will make a note of this and it will be fixed. With the exception of today, today the rep tells me, that the conversation never happened on the XXXX even thought I asked her several times to review the recording tapes and that I still owe {$1300.00} for XXXX payment. 
Obviously no one there knows what they are doing and as the customer I am getting the raw end of the deal. 
The women I am speaking too now is telling me I am wrong about everything and I owe an additional {$1300.00} before all this will be fixed. So now the payment I made for {$1600.00} for my XXXX payment was again applied to late fees. 

This company obviously does not know what they are doing and should not be handling my mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: WI

Complaint narrative:
My wallet was stolen and my Rushcard was used with my pin. I filed a dispute and was told because my pin was used, there was nothing they could do, they closed my case, and then told me to do a rebuttal and get the case reopened then they will investigate. I got a new card from them but I feel they should have investigated when I reported that my card was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: 1ST 2ND MORTGAGE CO. OF NJ INC
State: NJ

Complaint narrative:
My mortgage company has misrepresented themselves by guaranteeing me a 7 year mortgage at 3 % interest rate. They had all of my documents within a reasonable time period ( 2 weeks ) and because the rates went up instead of down, as they were hoping for, they are not honoring our agreement, as per our emails. I found that they lied to me and did not lock me in with the 3 % saying that the forms needed to be completed first. They are completely unethical and dishonest. They were the ones that called me regarding the reduced interest rate and I quickly acted upon it. I took my time, effort and cost to gather all of the information that they needed and I am told " I 'm sorry for the misunderstanding ''. There is no misunderstanding, they are just scamming me and I do n't appreciate it. I want them to honor their commitment that they made to me and complete my refinancing as per our agreed upon arrangement. I find it hard to believe that after 9 years they treat their customers like this and expect to get away with it. I am sure that I am not the only XXXX they have done this to. I would greatly appreciate you looking into, what I believe, is their unethical behavior. I have all correspondence that was emailed between us. I want them to honor their commitment that they made to me and complete my refinancing, as per our agreed upon arrangement, 7 year fixed term at 3 % interest rate.

Company response to consumer: Closed