vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: TN

Complaint narrative:
I purchased a XXXX Chevy HHR XX/XX/2013 from Drivetime for XXXX-XXXX. I ca n't remember the exact price because I do n't have the paperwork with me but it was in that range and I do have the paperwork. At the time I did not realize that this price was way too much for this vehicle. I admit I did not do my research. Be that as it may, some how I find myself 3 years and 4 months into a 6 year loan and I still owe over XXXX dollars on this car. This car in excellent condition for trade is only valued at $ XXXX- {$4300.00}. How is this fair? I 'm in the military and my family has grown since the purchase of this car and we really need to be able to trade or sell this vehicle for a larger one but we are upside down and trapped so it is hopeless and impossible. I 've have talked to several dealerships, private sellers and auctioneers, and even drivetime themselves to see if anyone can do anything for me and all of them have said it 's not possible with what you owe on the vehicle. I even tried to see if drivetime would allow me to trade to them for a larger vehicle and just roll the remaining balance into the new loan and they said I just owe too much. Which is crazy cause I owe exactly what they told me to pay for the vehicle. I 'm just lost and at my wit 's end and hope you can help me remedy this situation. I 'm not looking for anything extravagant or any extras I just want to be treated fairly so that me and my family can have the proper sized vehicle.

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 2016-01-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: IN

Complaint narrative:
I have asked my car lender to work with me so I would not fall behind on my payments or lose my car during this time while I am on unemployment but they are refusing to provide any type of assistance regardless of my consistent payment history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 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:
On Friday XXXX XXXX, 2016 I was notified by my credit monitoring service that a new collection, in the amount of {$670.00} from Midwest Recovery Services LLC via XXXX XXXX XXXX was applied to my credit reports. 

Having not incurred the alleged debt, I did some research and it appears that MRC buys outdated, often incorrect zombie debt and haphazardly applies it to individuals credit reporting agencies, which is a clear violation of Fair Debt Collection Practice Act as in my case they never even allowed me my right to dispute the collection within 30 days. 

Under the FDCPA the consumer ( me ) is to be given a 30 days validation period before a debt collection can be reported to all XXXX major bureaus by a collection company. 

That Midwest Recovery System can be so reckless and cavalier with their debt buying and collection practices is nothing short of terrifying. Innocent individuals, like myself, are constantly being put through extreme stress and the onus is on US to clear our names from their egregious practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 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: OH

Complaint narrative:
I just checked my credit and have a collection attempt showing up this month from a company called Midwest Recovery Systems claiming to be collecting on behalf of XXXX XXXX XXXX. I 've found this to be a Pay Day Loan service. I have never in my life obtained a Pay Day Loan, from XXXX XXXX or any other Pay Day Loan company. I 've emailed them saying the debt is n't mine and that it is fraudulant, but in looking online, it seems I am just one of many consumers being impacted and targeted by these XXXX companies. I also would like to add that I 've never been contacted by this company in any way prior to them showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Capital Management Services, LP
State: NC

Complaint narrative:
Called my mother-in-law by phone and began asking her questions such as if she knew me and if she would give them my phone number. Her name is XXXX XXXX and she works for Capital Management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services
State: NC

Complaint narrative:
I was told by a ACS/lender I had a loan from the institution I never attended. The name of the school was XXXX. When I did more research on this school it has been closed since 1997 for defrauding consumers by authorities. There was also settlement reached on 1997. My lender is not cancelling this loan rather they are adding interest to the principal and forced me to pay it. I am paying this loan {$11000.00}, because I do not want my credit to be spoiled. I feel this unfair practice. Please advise me how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 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: KY

Complaint narrative:
ACS will not apply my payments equally to each of my loans. When I make a payment by check, they only apply the payment to XXXX loan, and the other remains past due. I then have to call them and go through, what is often, a lengthy, frustrating process, consisting of multiple calls to get the payments applied. I have paid {$1200.00} since XXXX and XXXX of my loans is 65 days past due. I can not get them to apply the payments properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
Company keeps calling and asking for another family member that does not live with me, nor am I responsible for his actions. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Mortgage servicer lost my cashiers check and is reporting it as 30 days late on my credit report. This was my first payment. I mailed it to my original servicer, XXXX, and it was never applied to my loan. I feel as though I am being the target of predatory servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
On XXXX XXXX, 2015 PennyMac informed us in writing that : '' If you prefer to pay your escrow shortage of & XXXX, XXXX in full, your new monthly payment would than be {$1.00}, XXXX. '' We paid in full ; however, we just received our payment for XXXX and the amount is for {$1800.00} vice the {$1.00}, XXXX as stated in previous written letter. 
I called, but no help, only that they would " run an analysis '' and called a another person, XXXX, but no return call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I, XXXX XXXX, am not agree with Pennymac denial decision about my loan modification request. I purchased my home in XX/XX/XXXX and have interest rare of 5.75 %. I am XXXX due to my accident that happened 3 years ago and I went through some XXXX. I was receiving XXXX benefit. With XXXX income I was not able to pay my payment and all other expenses, as a result, I discontinued my XXXX benefit and got a job. I am working 8 hours a day and babysitting evening and weekend to be able to pay my dues. I have a XXXX-years old daughter that needs lots care and attention because my husband left us on XX/XX/XXXX, after we spend all of our saving to pay our housing expenses, due to his business failure on XX/XX/XXXX and gone through XXXX due to economy weakness. I am not able to pay the high interest rate mortgage because with the amount of time I spend to just keep up with my mortgage I am losing my attention to take care of my kid as well as my physical health. Pennymac offered me to sell my home because there is some equity on it. This is not good option for me because renting a home in my area is much higher than my mortgage. I bought my home to keep it and have a stable home for my kid. I am trying to keep a roof over my daughter 's head. I need help to be able to modify my loan. If Pennymac modify my loan I can be worries free and work less to be able to spend sometimes to take care of my daughter health and education. I need Pennymac help to work with me and reduce my rate. I got help form family and friend for past but they stopped their support. I am a single mother with no any other source of back up or saving and would like to keep my home which is my daughter and I future investment. I am asking Pennymac to help me out on my loan modification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services
State: CO

Complaint narrative:
I do n't even know where to start ... 
When I filled my IBR last year, I was n't making much money so they said I did n't owe them a payment. I still sent {$25.00} a month, but everytime I did, I was assessed a {$26.00} late fee, even though, again, I did n't owe a payment. Now, after my IBR was reassessed for this year, they want me to pay {$370.00} per month. While I understand that I make more money now, I do not have even close to that amount left out of my income to pay every month. I was in a XXXX in XXXX, and so I had to get a new car. My payment is higher, my insurance increased by {$70.00} a month. I also pay over {$100.00} a month in medical bills. And I am a single Mom, trying to make it. My rent alone is {$1000.00} a month. Also my son is a XXXX year old boy eating me out of house and home, my grocery bill is about {$500.00} and my boyfriend is hard times, living with me more than half a month, which increases my food bill as well. To make things worse, someone reported that my loans are in default. ACS said they did n't report it as such. I called the US Department of education and they said that I am in fact listed as in default, even though they could n't understand why, as I had only missed 2 months payments. Nobody will take responsibility for reporting them as defaulted, and no one will fix it. And although I have been paying ACS {$25.00} a month, they continue to report my payment as late. All of this has greatly affected my credit, which is why my car payment is so high now. Please help me. I want to pay back the money I borrowed, but they keep assessing fees and more fees, and then more fees for having to charge me for the other fees. I am drowning in a debt that started out as {$25000.00}. I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Complaint is for Capital One Bank, I have my personal & Business Accounts with Capital One. They are charging me fees that I should not be charged. My First issue my debit card is being charged by playstation games and apple itunes they are charging me the fees per transaction. I have not allowed anyone to charge my card with these companies. I have disputed them in the bank they still refuse and decline my dispute. I have called the company that has been charging and capital one on conference call the company has told capital one that they do n't have my information and they do n't know how my card has been charged and the correct way would be to dispute the transaction and they company will reimburse. Capital one has still declined and denied my dispute. I have lost a lot of money in the year with all these charges. I have requested to speak to District Manger a lady at the branch names XXXX XXXX has refused to get escalated to the District Manager XXXX XXXX indicating he has no access to the banking information. I have sen many letter and requests to get a hold of someone to resolve this matter, but no success. 

My Second issue is that in the Business account they are charging fees and tI have set my Saving Account as an overdraft protection to the account. I ask them why are you charging me they are giving me explanations reasons that are incorrect even though they see I am correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Getting repeated calls on cell and at work from an unknown source not willing to disclose pertinent information. When the calls started derogatory information was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
PennyMac purchased my mortgage from my original lender a few months after I purchased my home in late 2013. Since then I have experienced numerous issues with Pennymacs loan XXXX They overestimated in XXXX year and underestimated in the next year the amount of money I would need in escrow to cover my mortgage and property taxes. This put a significant strain on my finances when I realized that my new monthly mortgage payment would be nearly {$400.00} more per month than it had been at the origination of my loan and XXXX later my payment due skyrocketed from {$1400.00} a month to {$1700.00} a month. I was made aware of this a month before the new payment was due which is not a significant amount of time for any household especially a single income household. This put a significant strain on my finances. In addition I 've noticed in the last XXXX months that even though I mail my payments in a week to two before they are due, because of PennyMacs extremely slow payment processing times they always process my payment after the due date and punish me by charging me a late fee when it is not my fault. Even when I mail in the payment for the monthly payment and late fee the next month it will show that the late fee was never paid. When clearly the checks I 've been mailing are for significantly more than the minimum payment due. And I specify on most of the checks that the late fee is included. These predatory lending practices are unfair and I could see them leading to loan default for most consumers if an adequate financial cushion is n't maintained on a monthly basis to cover for Pennymacs deceptive loan practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 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: NC

Complaint narrative:
I received a phone call to collect on a debt and the agent quote an address that I have not lived at in 7 years, the call got disconnected. I am trying to purchase a home and when my credit report was pulled there is a {$850.00} collection account. I called the agency to see what this collection was for and it was the same people that tired to contact me previously. The agent told me that they are going to report this debit every week on XXXX to continue to decrease my credit score until I pay it or if I pay the {$850.00} they will wipe the debit off of my credit report like it was never there. The collection agency is calling me all day everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BlueChip Financial
State: VA

Complaint narrative:
I got the loan XXXX XXXX, 2016 from SpotLoan for {$800.00} ... .first payment was {$140.00} on XXXX XXXX and then I sent in check for {$800.00} on XXXX XXXX, using a consolidation loan from a local consumer finance company, using my husband 's vehicle. They contended that we still owed them {$350.00} since then. We do not think we owe them anything else, as we paid them back the loan, plus some interest, all within a month. We had email exchanges about the disputed debt in XXXX XXXX XXXX XXXX ). They told us that we were 11 days past due. We could n't pay anything else, as we had just paid off all of our various internet loans with our consolidation loan, and were and still are in the process of repaying that loan. 
XXXX XXXX, a woman named XXXX from XXXX XXXX called my father in-law, looking for my husband or me. She gave him the fie number, and told him that we had to pay. That same day, while at work, I had received a call from her saying that she was from XXXX XXXX and telling me that I owed on a SpotLoan loan, and that I had to pay her {$350.00} over the phone. I did n't have my credit card with me, so I went home to get it and found out that she had called my father in law, even though that day was the first day I had ever been called from them at all. They had also within 10 minutes of calling my father-in-law and me, called my husband 's cell phone that same day. 
I was threatened that she was part of the legal department and she was sent to review the case before sending it off to recoups as a garnishment. Because we had already paid so much at the very beginning of the loan, I was n't sure if she was legitimate. I requested that she send me proof or validation of the debt. I asked that it be sent to me home in writing, not by email. 
I was then called on the XXXX of XXXX, asking if we had received her email. I said no, and noted to her that I had also requested it to be sent to my home address. She said she had mailed it out on the XXXX. I have yet to receive it, and I also have not received any emails. 
XXXX also insulted me because she then accused me of trying to get out of paying by asking for proof of the debt. I believe I have a right to know what they think I owe, since XXXX from XXXX XXXX is the XXXX that is calling us and the address I was able to get from them is XXXX XXXX XXXX, NY XXXX and her phone number is XXXX ext XXXX ... ..she is saying claim # XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: DriveTime
State: MN

Complaint narrative:
If the payment is not there immediately on the day it is due, regardless of the 10-day grace period or the fact that I have NEVER paid late in over a year, they call that day and every day until it is received. Payments are scheduled on paydays and it takes a couple of days to get the payment to them, so I have over 70 calls logged from them in the past year. I ca n't stand it! Give me a few ( 5-10 ) days grace period and THEN if I have n't paid, I understand a call, but this is utterly ridiculous!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: GA

Complaint narrative:
This is the sixth time in 2 years i have complained about this company ever since i bought this car from them we have so far paid more then XXXX in repairs for the past 3 months we cant even get this car to pass emission and therefore cant get our tag the car has been undriveable we informed them but they still report us late on our payments they will not take the car back and have attempted to process payments we told them not to causing us extra charges they claim to cfpb that they try to work with customers but they do n't

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 2015-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Assistance Corporation dba Revenue Group
State: FL

Complaint narrative:
On XXXX XXXX, 2015 at XXXX, I received a call from a gentleman who said he represented The Revenue Group. He said he mailed a letter to me in XXXX and that I did not respond. I asked him to please re-send the letter as I never received it. He refused. He said he 'd tell his client that I was unresponsive. I told him that was not correct, and I asked for the letter to explain any debt he was trying to collect. He hung up. I am not aware of ANY debt I owe that would end up in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
On XXXX XXXX, 2016, I mailed Green Tree Servicing a Qualified Written Request for the fourth time in less than a year. To date. I have not received a response as required by RESPA, Section 6. That requirement states the following : Once the servicer receives a QWR, the servicer must acknowledge receipt of the correspondence within five days ( excluding Saturdays, Sundays, and legal holidays ), unless the action requested is taken within that timeframe. 12 U.SC. 2605 [ e ] [ 1 ] [ A ]. 
As a result, I am entitled to damages as stated by law : If the servicer fails to take one of the required actions within the time limit, under RESPA a borrower may recover : - any actual damages suffered by the borrower - if there is a pattern or practice of servicer noncompliance, additional damages not to exceed {$2000.00}, and - attorneys ' fees and costs. 12 U.S.C. 2605 [ f ] [ 1 ], 2605 [ f ] [ 3 ].

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