vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services
State: OH

Complaint narrative:
In XXXX, 2015, I called ACS, one of my private loan providers, ( note, this is not the original lender and it has been changed during the length of the loan a number of times without my consent ), to ask about options to help me while I am unemployed and without income. At this time, I received a letter which offered " the ML ( MGRS Plan ) where for 6 months your monthly payment on the private loans are reduced at XXXX % of level ( fixed ) installment followed by 6 months the monthly payment is at XXXX % of level installment followed by 12 months of interest only payments followed by level repayment for remaining term of the loans ( You must have at least 36 months of term remaining and a principal balance outstanding of {$10000.00} or more ). The request for this option is done verbally. " When I called to accept this offer on XXXX XXXX, 2015, I was told that this offer was not available to me because I had taken advantage of this in the past, time unknown, but that it was noted on my account and only available once during the loan term. Therefore, the offer was no longer valid. I asked about other options and was informed about forbearance, but this would require me to have a 1 % interest rate increase ( to an already variable interest rate ) for the 12 mos payments following the forbearance. Other than this, no options were available to help me. 
The man I spoke with was in XXXX and could not connect me to a supervisor, but he would have a supervisor call me within 48-72 hours, as is standard response time. 
I have XXXX accounts with ACS, have asked for a consolidation, and always have been denied the opportunity. I have asked for lower interest rates and have also been denied. The term of the loan is unclear and when I ask, am unable to get a clear answer. 
Between the XXXX accounts, the original loan amount was {$26000.00}. As of XXXX 2015, I have paid a total of {$11000.00} in interest and {$9300.00} in principal. I also have another private loan and government loan and in total pay $ XXXX/mo for student loans. I have never missed a payment. 
I am a XXXX, who has worked at XXXX until recently. I have tried to work with banks, Dept of Education, and other repayment companies to identify options, and feel no one is able to help me honestly understand the benefits and burdens of options nor the ramifications of decisions. I feel powerless despite my efforts, education, and patience. Is there anyone who can help? Thank you! I ca n't and wo n't pay these companies forever without some flexibility on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: World Acceptance Corporation
State: PA

Complaint narrative:
I hired a Credit Repair agency XXXX Law Firm to have World Acceptance Company verify an item listed on my account, I tried to request the same items twice and was rejected. XXXX XXXX the XXXX of XXXX XXXX sent out XXXX letters denying my request. I have sent pay to delet offers and received no response. This debt collector is in clear violation of Fair Debt Collection Practices Act Section 809 Validation of debts 15 USC 1692g.XXXX XXXX deemed my request enacted by the F.D.C.P.A as " Frivolous '' as it is my fiar right as an American citizen of the United States of America to request account validation without roadblocks halting my consumer request. I am requesting that this company supply me with all documents requested without prejudice or hesitation as I have given my full name, address and contact information several times as listed in several documents sent out to World Acceptance Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
i was supposed to close on my home on XX/XX/2016 just to find out that i was not able to do to the fact that the special warranty deed was not completed from Pennymac to HUD ... So now for the holidays Im homeless with my 2 children when i called Pennymac nobody seems to care. I have not splet or ate in days. How could something so simple have me and my children facing being homeless. Ive begg this company to respond ive called all day and been passed around. Please help me time is not on my side with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Brennan & Clark, Ltd., LLC
State: IL

Complaint narrative:
I have been receiving numerous threatening phone calls and messages from this collection agency Brenman & Clark and when I finally decided to talk to them, the person disclosed personal information about me that I was very uncomfortable with. For a moment I thought it was a scammer. This person was extremely rude, threatening and continues to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-22 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: IA

Complaint narrative:
ACS/XXXX was changing my repayment plan to an income based plan. While they were doing so they let the loan go into delinquency from XX/XX/2013 to XX/XX/2013. There is a negative 120 days delinquency on my credit report that I have disputed numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC
State: IN

Complaint narrative:
I thought I had properly set up my loan on monthly auto draft through the online website. I never received a phone call letting me know that my mortgage payment was late. I happened to check the website on XX/XX/XXXX and noticed that my loan was now over 30 days late. I immediately made the XX/XX/XXXX and XX/XX/XXXX payments. As I was under the assumption that the loan was set up on auto draft. Also, had I been notified before the 30 days was past, I would have made the payment on time. CMC Funding will not doing anything to help fix the credit report reporting the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
HUD statement and Deposits into Escrow seem to match and accurately estimate/account for all required disbursements. Lender however is explaining that the disbursements on the account put escrow in negative balance of over {$5000.00}. No mathematical model I have been able to devise gets myself, the title company, or the loan originator to the same figures Penny Mac is billing me for. The HUD statement accounts for disbursal expenses and the only increases in insurances not on the HUD Total roughly {$540.00}. If paid XXXX months up-front, the HUD total accumulated amount covers expenses less the increase in insurances how could the balance possibly go into the negative past the amount of insurances increase? I believe I am being billed XXXX for XX/XX/XXXX MUD taxes that were collected since loan origination, although clearly included in the HUD the MUD tax was not paid in XX/XX/XXXX but in XX/XX/XXXX. I have repeatedly asked representatives to share the mathematics that equate to the negative balance and they can not and have blamed increases in insurances and taxes that do not exist. I have worked with all parties involved to attempt to resolve and after working with the title company and agent who wrote up the loan originally was instructed to submit this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 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:
I have XXXX loans serviced by ACS. I made XXXX payments in XXXX, XXXX over the amount of my monthly payment, thinking it would be applied to my XXXX payment. ACS informed that they do not accept prepayments and my XXXX payment is now past due. I have paid ACS more than my monthly amount numerous times over the past year and the money has never been applied to the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I am disputing the current Principal Balance due on my Mortgage with PennyMac. They claim it is {$9700.00}. The correct amount is {$8600.00}. I am also disputing the XX/XX/XXXX Principal and Interest breakdown on my current bill. They did not apply a Principle Reduction Payment correctly in XX/XX/XXXX and are using illegal accounting practices to pretend the payment did not exist for 40 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: TX

Complaint narrative:
I have filed a previous complaint # XXXX. I was instructed to take the vehicle to XXXX for a diagnostic which I did. More problems were discovered, such as the ball joints and all the rust and MOLD on the inside of the vehicle which proves our claim it has been under water or water filled up the inside of the vehicle. The steel inside of the seats are COMPLETELY rusted!!!! I am being told that now they ( Drivetime ) are waiting on estimates to repair this. I told them I am not paying for anymore repairs ESPECIALLY when it confirms that this vehicle has been in water and is damaged which confirms why there have been so many repairs within the year! I had to pay for the diagnosis which I do not think is fair because they made me take it to them. I WANT MY MONEY BACK THAT I PAID IN MY DOWN PAYMENT, PAYMENTS, AND REPAIR COSTS!!!! I DO NOT WANT ANOTHER VEHICLE FROM THEM BECAUSE THEY DO NOT CONDUCT HONEST BUSINESS! They are continuing to give me the run around. And XXXX XXXX told me that Drivetime instructed them to send them a cost for repair but the advised them they do not repair interior. So they then ask for outside estimates. Why would we want a vehicle that has interior water damage???? That proves its been in water, we do not want this lemon!

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 2016-08-07 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: NY

Complaint narrative:
Enrolled in paperless billing. Was not billed nor called. Was only notified when my payment was 60 days past due. Brought account current immediately ; reported as delinquent to credit bureau one month later. Second issue with this loan servicer in one year. Difficult to reach the right people to speak with. Reps insist they can help and refuse to place you on the line with a supervisor. Will claim they spoke with one on your behalf. Should have paid closer attention when doing my research about ACS Education. My other loans are serviced by XXXX XXXX never had a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 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: MD

Complaint narrative:
Midwest Recovery Systems recently added themselves to my credit report as a collection agency. No info was added about the original debtor. After several attempts to contact the company, I finally spoke with XXXX XXXX whom advised he is a manager. He informed me that the debt is for a payday loan from 2012, which was received from a company named XXXX XXXX. He then advised that the debt was bought by his client, being XXXX XXXX XXXX XXXX. I worked with Maryland 's Dept of Labor, Licensing, and Regulation, whom informed me that payday loans are illegal in MD. They also instructed me not to pay the loan and informed me that they would be seeking legal recourse against the many lenders that are illegally lending to MD residents. I thought this nightmare was over, but now this company is hurting my ability to purchase a home and move forward with other plans for my family as this blemish is bringing my credit score down. I am requesting assistance in removing this issue and learning how to make sure this issue does n't happen again, in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
My understanding is that I have a right to cancel the PMI on my home mortgage, since my LTV is less than XXXX %, but my mortgage company denied my request, stating that my LTV is XXXX %. 
I have requested them to provide me an explanation on how they calculated my LTV, but I never got a response from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I had entered into a loan modification with XXXX XXXX XXXX at the beginning of XX/XX/XXXX. By the time all the paperwork had been completed, PennyMac had purchased my mortgage and had began servicing the loan. The completed modification documents were submitted to PennyMac, after all the trial payments had been made, by XX/XX/XXXX according to the PennyMac records. There was no mention made of any missing documents or any problems with the paperwork. Shortly afterwards, I began receiving billing statements from PennyMac showing that I owed over {$2000.00}. I then called only to be told that the modification was still being processed and to ignore the statement. I began to regularly communicate with PennyMac loan services to which I was told repeatedly that the modification was being processed and to " give it another 30 days ''. When tax season came around, the XXXX showed that I had only paid approximately {$2000.00} in property taxes and insurance premiums on the loan. After finally contacting someone other than a CSR, I was told that a document was missing from the modification which was delaying the entire process, my credit would be repaired and that a Senior Vice President was working on correcting my XXXX form. I was only six days ago that I received a phone call from a PennyMac CSR whom informed me that PennyMac was issuing a Notice of Intent to Foreclose on the property when I had made all my payments, fulfilled the stipulations of the Loan modification and followed the advice from the PennyMac employees. AT this point, PennyMac has reported that I am approximately 16 months behind on my mortgage payments. 
After doing some research, I discovered that this particular chain of events was anything but " happenstance '' as PennyMac has a history of following this pattern of action usually resulting in several of their clients having to file bankruptcy in order to distance themselves from PennyMac, XXXX XXXX XXXX, and XXXX. This is a clear violation of XXXX XXXX by practicing willful negligence by " losing '' loan modification paperwork while damaging consumers credit rating and proceeding with foreclosure proceedings against numerous consumers who are NOT a foreclosure risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
As a Home Owner Citizen of the United States, I am angered and dismayed by Ditech/XXXX use of Federal Law to claim cushions as a safeguard and projections as excuse to add charges to borrowers ' accounts ( contrived by people that have no stake in the home ). Charging additional money and not processing payments ( holding payments in unapplied funds UAF ) result in additional and unfair charges/fees, bad credit reporting, threats of and real foreclosures. These practices are predatory tactics of an unscrupulous and greedy mortgage industry that has total power and control. It is laughable ( if it was n't so sad ) that the powerful mortgage industry claims need for safeguards/protections against the lowly individual. I vehemently dispute the calculation of additional cushions/projections ( fake charges ) that put consumers into a foreclosure status ( piling fees, upon fees, upon interest, upon fees ... ) .These additional charges are CONTRIVED ( trumped up charges, not true debt ) no matter what legalese/label used, i.e., cushion, projection, fees, whatever. Ditech/XXXX claims of borrowers being payments behind because of their calculations, holding funds UAF, and practice of sending contradicting letters claiming various amounts owed provides evidence of a mortgage industry gone awry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
I have been watching my credit very closely to make sure it does n't have anything negative I was recently informed of some {$21.00} debt by a company mead and associates I was NEVER notified or given a chance to dispute debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC
State: OR

Complaint narrative:
Repeated phone calls from Ditech stating we need to contact them about a debt we owe. No one in our home has ever used Ditech or Green Tree and none of us have outstanding debts. I suspect they are using our information to try and find someone we 're related to, or an ex. Probably bought this debt from the last XXXX we reported for the same scam-type behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Ditech Mortgage is calling my work number and my cell phone number at least XXXX times a day, and hanging up ( my current payment is within the 15 day grace period allowed ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Looking to refinance investment property with Green Tree Lending Service and submitted personal information almost a month ago. The company took all loan information from my partner and myself and has not responded back to any of our call concerning the process. We are told that if another loan agent take over he/she would have to conduct another credit check and basically start the process all over which would not be good for our credit scores. We both have good credit and have been owning the property for a number of years. XXXX XXXX agent : XXXX XXXX, phone XXXX Ex XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
This is regarding my mortgage servicer DiTech Financial LLC which was formerly Greentree. A month ago I got an escrow notice from DiTech that said I owed them {$2100.00} additionally for escrow. The prior year I had given them an additional XXXX to cover escrow shortages - which made sense as my insurance and taxes went up. This year my homeowners insurance did not go up and my taxes also stayed close to last years amount, therefore if they were able to pay my bills last year with the monies taken out of escrow why then do I need to pay them an additional {$2100.00}. As a result, I called and took on the personal liability of my homeowners policy - a {$1200.00} amount no longer needed to be pulled from escrow. I got a revised statement saying that I now owed them {$1900.00} for additional escrow monies. My problem is that this does not make sense, my escrow amounts did not go up significantly and I took {$1200.00} out of escrow payments. The mortgage servicer knows what my homeowners and taxes are - they are close to the same every year - so how can have made such a big mistake in collecting the required escrow monies with the resultant shortfall of {$1900.00}. Now not only do I have to pay {$1200.00} to my insurance but I am pretty much still paying close to their original amount. This makes no fiscal sense. I tried to get them to see this and ask how this is possible but get no satisfactory answer. From a servicing standpoint it is their job to know the amount that would be required for escrow. As a consumer to be all of a sudden asked for an additional {$1900.00} out of my budget is shocking and unfair as I have been paying all along. There should have been little to no change.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation