vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
PennyMac Mortgage offers a bi-weekly payment plan program to borrowers advertised as free. Intent of bi-weekly payment plans is to accelerate loan re-payment and substantial savings in interest for borrowers by effectively applying XXXX additional monthly payment per year. However, PennyMac ( and other lenders ) are taking advantage of borrowers and preying on their general lack of understanding of mortgages and principle balance interest rate accruals. PennyMacs ' practices take advantage of borrowers by not applying principle portions of the bi-weekly payments when they are received and holds them for two to three weeks while borrower accounts still accrue interest charges on the wrong principle balance. According to the fine print in the bi-weekly autopay agreement, they intentionally do this to profit the loan servicer as stated in Section XXXX, " I understand that Servicer may derive a benefit as a result of holding partial payments in its accounts during the period of time while a full payment has not yet been made. Any direct or indirect benefit that may be associated with any funds held in a partial account shall accrue to Servicer. I waive any right or any other related benefits that Servicer may receive. " Since my complaints, PennyMac also continues to not apply any additional payments I send in to the principle balance, when it is received - see attached. My additional payment of XXXX dollars was received on XXXX XXXX 2015. As of today, XXXX XXXX, it still has not been applied to the principle balance. I expect PennyMac to properly and promptly apply additional payments to principle when they are received. They actually pretend to not know how I want that additional payment applied! 
Lastly, and since my previous complaints, PennyMac has recently started blocking third party personal finance software ( like XXXX and XXXX ) from accessing my account and downloading balance and payment and payment history information. If it was n't for this software I would have never realized that PennyMac was mismanaging my principle payments and I would not have discovered strange 'inspection ' charges to my account without my knowledge or permission. I am a XXXX veteran, this is a VA mortgage, and PennyMac should be ashamed and embarrassed for their predatory and deceitful behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Business Corporation
State: OH

Complaint narrative:
I have resolved this debt with the original lender. I have notified AP account services of this XXXX times over the phone and have asked them XXXX times over the phone not to call me. They call me XXXX to XXXX times a day and sometimes call after XXXX

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 2016-08-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI

Complaint narrative:
I have recently contacted Campus Partners to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, Campus Partners will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
I keep getting getting telephone calls from this company asking for XXXX XXXX on my mobile phone. I have stated to the representatives I have talked to that they have the wrong telephone number. But, they keep calling my number time and time again. This has gone on for four months now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AZ

Complaint narrative:
I just wrote up a XXXX description and it is now ALL GONE!!!!! THANKS!! I really appreciate wasting my time on writing information you request, and when I continue, there is pop ups, then I close them, and now the page goes somewhere, I go back and have to start all over!!! 

I will be brief, since I wasted my time already. 
I am being harassed by Educational Computer Systems , Inc. ( ECSI ). Upon getting numerous postal mail, I sent a certified letter to them telling them to resolve the situation to take me to court. Otherwise and more correspondence would be an act of aggressive harassment. Which they have had done a few times. I told the I do not owe ANY money and that I can prove, instead I get the attitude when I called that they are the " FEDERAL GOVERNMENT '' and that I have to pay, because that 's what it says on a piece of paper or computer screen. I know the federal government is bunch of basket cases, ( whole reason why I have to write this ) and very incompetent as well. With this being said, there is other debt from the student loan that I do not owe money and can prove it. However, it goes on deaf ears and I am suffering the consequence of the perfect example of incompetence in the workplace. 
Furthermore, if you look at the attach document of " Statement of Account ''. If someone with half a brain that understand how XXXX, then why did a senator not see it, when I bluntly told him? It states right on there, {$550.00} for XXXX or {$330.00} for XXXX credit hours. I show credit hours of XXXX! Nonetheless, $ XXXX $ XXXX {$880.00}. Now in reality, I should have been paying {$330.00} for the XXXX credit hours at {$3900.00}. Instead I owe {$6300.00} and an additional {$360.00}, in order to continue! 
You have had time to look over these documents. YOU, meaning the GOVERNMENT! I even went as far as contacting the FBI, but still since I am one person, I am disregarded!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I 've been getting calls for MONTHS from different numbers and different states. They do not state where they are calling from but when I look them up online everyone says its debt collectors. All they say in voicemails is I need to call them back regarding an important financial matter. I 've blocked all numbers they call from and they continue to call from different out of state numbers RELENTLESSLY. When you answer, they just hang up on you they do n't even speak!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: WA

Complaint narrative:
I took a loan out with Genesis Lending to attend XXXX XXXX in XXXX, WA and paid it off shortly after graduating. I was told they had been sued and students within a certain time frame were eligible for partial refunds. When I tried to contact them to see if I was eligible for a refund they told me they had no record of my account. What more can I do before contacting a lawyer to pursue a lawsuit?

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 2016-05-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: WA

Complaint narrative:
I closed my account with XXXX, received permission to return equipment, I have copies of return receipt and that they also received the equipment. I am paid in full to that account and no longer owe, but XXXX has turned it over to a debt collector demanding {$140.00}.

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 2016-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
Yesterday ( XXXX/XXXX/16 ), at around XXXX and XXXX, I received a call regarding a debt owed by a " XXXX '' which is not my name. Both calls went to voicemail without a message left, and I immediately called back after the XXXX call. The individual who answered became argumentative, and I hung up. Today ( XXXX/XXXX/16 ) at XXXX I received a call from a number XXXX again in regards to a debt owed by " XXXX. '' Once again, I had to tell these people that I am not XXXX and to remove my number from their database. At this point, I am not sure if this company is legitimate or a scam operation.

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 2016-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I have a Perkins Loan with XXXX University, serviced by ECSI. They charge a debit card 'convenience fee ' of {$5.00} on my monthly payment of {$100.00}. This amount is unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I got an email saying I need to update my information on a bank website but I do n't have an account with that bank. I feel that someone tried starting an account with this bank with my name. I 've kept the email just in case and the attached pictures are screenshots of the email on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I has established a direct deposit to my new savings account opened with TD Bank. The amount was received by the bank but they held it in a warehouse and refused to credit the funds to my account despite numerous requests. At first I was told that at TD Bank unlike all other banks direct deposits get credited only at the end of the business day and not first thing in the morning. When I pushed back on the explanation provided, I was told that the funds ( large amount exceeding XXXX ) was being held in their " warehouse '' as the instructions indicate the account type is checking and not saving. After being placed on hold for over 30 minutes was told that the " warehouse '' has been requested to release the payment. It is not guaranteed but the funds " may be '' made available tomorrow. I indicated that it was not acceptable for the bank or the " warehouse '' to simply hold my payment for over 24 hours ( or more as not guaranteed ). I was told I was at the bank 's mercy and they can hold my payment for as long as the " warehouse '' deems necessary and that the bank can only send them a message which they have already done. When asked to speak to a Manager I was placed on additional 15 minutes hold and then old no one is available. When asked on how as a consumer I feel helpless and taken advantage of and need to escalate I was again placed on another long hold and then asked to leave a voicemail to the Manager. Left the voicemail and as expected did not hear back. 
What protections if any do I have when the Bank or its agent - the " warehouse '' illegally hold my funds with no resolution or guarantee on when I will get the funds? 
What are the penalties and sanctions that the bank is exposed to for such illegal, unethical and immoral acts? 
Are consumers in this country just at the mercy of banks like TD bank and banks can hold the hard-earned direct deposits funds whenever and however they like? 
What are the labor law violations that the bank has committed by avoiding a worker from having timely access to their wages? 
Most unacceptable daylight robbery by the Bank. 
Details of the individuals involved : Agent - Her name was probably XXXX - She seemed completely ignorant with no knowledge of banking what so ever. 
Supervisor - XXXX. Refused to give her full name. Extension - XXXX. Called herself both the supervisor and Manager. Was extremely rude, arrogant, and indicated that the bank could take as long as they want and that as a consumer I had no recourse against the Bank or their " warehouse ''. 
Manager - The voicemail indicated her name was XXXX. Failed to contact me despite my detailed message and plea regarding the important matter on hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Automated Accounts Management Services
State: CA

Complaint narrative:
I sent a letter to AAMs to validate the debts on my credit report and when I asked for proof that they own the debt or that the Hospital has placed them in charge of collecting the debt they refused to send me the information. I inform them I never received the original validation letter that they claim that they sent me years ago. They are still refusing to send me that copy of a validation letter I am demanding a copy of that validation letter stating that they are the original creditors or are in charge of the debt from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RevSolve, Inc.
State: AZ

Complaint narrative:
I called into this medical debt collector to pay a medical debt for my wife 's credit which we did n't know it was n't paid for & paid it in full. They start telling me that I ( the husband ) had XXXX accounts that was n't paid started demanding that I pay all these accounts with no info of account # 's nor having said the option to see or dispute the debts that was in?. I had no info nor this was n't on my credit report of any of these debts. After having an 1 hour phone call dictating & me trying to get info on these account, they refuse to provide & they went & put this back on the all XXXX credit bureau 's after I had an attorney look over this & they removed these because they were in?.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
my car was repossessed for being late 13 days for {$100.00}. I had just been released from the hospital having had XXXX. I nearly XXXX I have had XXXX loans with titlemax in the past ; XXXX of which I paid off early ( they didi n't like that ). after paying {$130.00} a month for several months I asked them to make a better arangement with me or let me pay off the car. I had borrowed {$1000.00} and made about {$700.00} in payments. I was informed the payoff at that time was XXXX the amount I originally borrowed. while I was trying to get better from XXXX they repo 'd my car claiming they tried to call me. now they want to sell my car at a private auction unless I pay them {$1500.00} more

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I would like an explanation regarding my mortgage escrow account. I requested, by fax on XXXX/XXXX/XXXX, a copy of my escrow analysis. I called on XXXX/XXXX/XXXX to inquire about the status of my request and I was told that nothing was in my account regarding a request for an escrow analysis. I also learned that there is a shortage in my account. Attached is my XXXX from XXXX. How can I have a shortage in my account if I had a balance as of XXXX/XXXX/XXXX. Where is the excess amount applied and how is the shortage incurred? I am now questioning all the shortages I have paid in the past and whether I should receive interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
unarthorized charges were made to my XXXX account and was under investigation. Upon the TD Bank merge my case was misplaced and overlooked, until I received debt colecting calls several years later. Since I never opened a TD, I went to a branch to speak with a branch manager for more reliable information. I then paid the branch the amount supposedly owed and was told by both TD Bank and the collection agency this issue was resolved. Now almost 3 years later, the collections agency called my family members and told them I owe XXXX more than the last time. After threatening me, and saying they will hack into my bank account and take money, I came to the conclusion this agency does not want to resolve any issues and just want to scare me into paying them again. I already paid for a debt that was n't mine in the first place and I 'm not inclined to pay more and put up with such harrasment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
On XX/XX/XXXX, I put a stop-payment order on a check I wrote. The fee I paid for this service was {$30.00}. Then on XX/XX/XXXX, the check was deposited by the recipient of the check, and my bank paid it from funds in my account. There are XXXX problems with this. First, I paid to cancel the check and the bank did not honor that order. ( I was later told the stop-payment order expired after a year, but I was never informed of this. If I knew, I could have renewed the order. ) Second, the bank accepted a stale check 17 months after it was written.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: NY

Complaint narrative:
I originally owed XXXX $ but my credit report says I owe over {$800.00}.

Company response to consumer: Closed with explanation