vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: GA

Complaint narrative:
I co-signed on an account with DriveTime Automotive Group , Inc/ DT Acceptance Corp . The buyer of the vehicle has failed to make on-time payments including failure to pay in full. At this present moment he has not made any payments in the last two months. As a result I have been harassed by DT Acceptance Corp in regards to the account because they ca n't get in contact with the buyer! I was contacted by an outside source ( someone who does n't work for Drive Time/DT Acceptance Corp ) in regards to my account with them via XXXX. This individual is the girlfriend of one of the collections manager at DT Acceptance Corp with whom I have spoken with breifly in regards to some paperwork for my account. I have contacted the Corporate Office in regards to this matter. They refuse to discuss how it 's being handled or if it 's been handled because they do n't want to compromise the privacy of their employee. However, I believe my privacy has been compromised. How did she get my information? Why is my information being shared with people who do n't work with DT Credit Corp? I have asked them to stop calling me on several occasions they have continued to do so until I requested again to be contacted by mail only. Due the request for them to stop calling me on my cell phone and at work, they have proceeded to contact references on my account. One of the individuals contacted, I do n't even believe is on my application as a reference. One of the references listed did request that they stop contacting her and they have continued to contact her. Despite the current status of my account, I do not feel that I am deserving of this type of harassment or stress and neither or my friends and family. Furthermore, due to their carelessness as a business in regards to my personal information, I am in fear that my information has been leaked and/or will be leaked in some malicious manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
My mortgage is serviced by : PennyMac XXXX. XXXX XXXX XXXX XXXX, CA XXXX I have made on-time monthly payments for the entire term of the loan, including payments for additional equity reduction. PennyMac has incorrectly applied my payments every month, often by applying the additional payment to the following month 's payment ( more than a month before the payment is due ). For the last five months, I have had to call them every month to get them to correct errors in how my payments were applied. PennyMac 's incompetence has hit a new high this week when they sent me a letter stating that my payment was more than 30 days overdue and that my loan was in default. 
I have sent them an e-mail alerting them to their error assuming that will start the reconciliation process. At this time, I do not know if they have reported this false information to credit agencies. 

PennyMac 's practices should be investigated.

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: FL

Complaint narrative:
Midwest Recovery Systems have placed a collections account on my credit report. I have never had an account with them and I do n't know what this collection is for. I 've never receive any information regarding this account and would like for it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Hirshberg Acceptance Corporation
State: MI

Complaint narrative:
Financed A Car in 2011 XXXX XXXX XXXX ... XXXX XXXX ( Buy Here Pay Here ) For XXXX dollars had It almost Paid Off Down to XXXX Dollars ... Car Started Giving Me Multiple Problems Called My Dealership Asking If They Could Have It Fixed Or Put Me In Another Vechicle They Basically Told Me No It Wasent Thier Problem ... I lost Out On Money & Also Had To Find Rides Back & Fourth To Work..Called Them Up To Come & Get The Car & They Wouldnt Take It Back ... Financed From Them Before in Good Standing ... They Also Went out Of Business Shortly After ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: TX

Complaint narrative:
I graduated in XX/XX/XXXX with XXXX degree. Began paying on loans 6 months later when into repayment status. Entered school again in XX/XX/XXXX or XX/XX/XXXX..XXXX loans into deferment. Obtain more loans for XXXX school. Graduated in XX/XX/XXXX. Started repaying loans in XX/XX/XXXX. Have been in repayment status since then. Now it is XX/XX/XXXX. All of my loans still have basically the same principal balance if not more than started. I noticed this when my loans were sold from ACS education to XXXX. The loans were also listed in forbearance status and were not listed as repayment status until XX/XX/XXXX - which is incorrect! I have paid the whole time and never requested forbearance. I contacted ombudsman. Initial person could not get a response from ACS. My account was transferred to another person and they quickly closed the case and said the info on studentaid.gov was incorrect. I think my payments were incorrectly applied to my loan accounts. How can I have paid for over 10 years on a XXXX loan and now owe over XXXX?? Someone please please help me! 
AND my name is spelled incorrectly on the studentaid.gov. I 'm not even sure these are my correct loans or what has happened. All I know is after paying on loans for 12 years the principle should be lower then the dispersed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc.
State: NJ

Complaint narrative:
I get periodic robocalls that go through the whole routine of saying it 's about " an important business matter '' and just for me. It even waits for " 3 seconds so I can take the call in private. '' It gives the required warning that any information obtained will be used in the attempt to collect the debt. But it never identifies the debt or gives me any opportunity to provide any information. It only requires me to call an XXXX number. If I stay on the line after the number is given, it starts over again from the point of the 3-second wait. I have never returned the call, but I 'm getting fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
PennyMac, the mortgage company that services me refuses to report my payment history to the Credit Bureaus XXXX, XXXX etc.. 
my loan number is XXXX the address is XXXX XXXX my name is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: DriveTime
State: TX

Complaint narrative:
I have contacted Drivetime ( as it shows on my credit report ) and was told this is now XXXX. I contacted XXXX about verifying my signature on this account OR remove it. I have ONLY received letter after letter for me to send in my personal info as I did/have and still nothing. This has been ongoing for more than 6 months and still no resolve but it still remains on my credit report without verification

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 2016-02-26 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: Bank of China USA
State: NY

Complaint narrative:
I have a savings account denominated in XXXX at Bank of China. They charge above market rates ( almost 1 %! ) to convert from USD to CNY and vice versa, and I already paid that premium to get in. Now I would like to get out, but I do not want to pay their excessive bid-ask spread. Since they are not willing to give the fair market rate, I would like to move my money to a broker ( e.g. Interactive Brokers ), where I can trade at the fair market rate. 

I thought of XXXX solutions : 1 ) They let me wire my XXXX there, or 2 ) They let we withdraw it as cash/check so I can deposit it there. However, the branch employees tell me I need to convert to USD first before wiring, and that the physical withdrawal limit is very small per day ( it would take me half a year to withdraw my savings ). Basically, they want to force me to pay their excessive spread on the currency rate. 

It does not seem legal to me to prevent me from transferring/withdrawing my own money how I see fit. I understand money laundering concerns, but they can do as much background check on me as they like, and see that I am clean. It seems to me I should be able to withdraw my money in any form and quantity I want. Thanks.

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 2015-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I recently had an offer accepted on a house and started the mortgage process. The house is in historic XXXX XXXX. in PA, and was originally a bank barn that was later converted into a house. I chose PennyMac for my mortgage process since I was already an existing customer. After accepting an offer on my current home and after PennyMac received the appraisal on the new home, they denied my mortgage application because, even though there was an appraised value, it was " not the type of home XXXX deals with. '' They later said that the reason was because it was labeled as an " earth berm home '' and that I 'd have trouble getting a loan from anyone that deals with Fannie Mae. 

I researched the issue at XXXX 's website and found the exact opposite to be true. They do not have any issue with berm homes so long as there is an adequately appraised value. After contacting PennyMac again, I was told that they misspoke and meant to say that it was a PennyMac overlay and not a XXXX guideline. 

I asked to speak to a supervisor at this point, and on the phone, I was told that it had nothing to do with the fact that it was labeled as a berm home, but rather that the appraisal was full of language stating that the property was so unique that it would be difficult to sell in the future. Living in the area, I know this is a poor assessment. At this point, I still do not have my appraisal documentation so I can not verify the actual language used that is in question. 

Following that phone conversation, I then received my official mortgage denial letter. The reason stated was, again, that the house was a " berm home '' and did not meet " page XXXX '' of XXXX 's guidelines. 

The reason for my mortgage denial, I feel, is being sorely misrepresented. They have given me wildly incorrect information that had a great potential for ending my attempts to purchase this home had I not done due diligence in verifying their claims. I am currently working with a new mortgage broker to try and salvage the attempt to purchase my new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
PennyMac purchased my mortgage and has repeatedly refused to allow me to opt out of PII sharing. I have notified them by phone and in writing of my intent, but they have refused to provide me an e-mail address that would allow this to be properly documented. PennyMac 's actions are a violation of this US statute : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: CA

Complaint narrative:
I recently paid off a car financed with DriveTime, Inc. ( I had defaulted on the loan, and they repossessed it ). I submitted payment to DriveTime on XXXX/XXXX/2015. Payment was processed and posted to my account on XXXX/XXXX/2015. On XXXX/XXXX/2015, I received a letter by fax saying that my balance was {$0.00}. In a phone call on XXXX/XXXX/2015 with a member of the Repossession department, I was assured that I would receive my title in 4 - 6 weeks. As of XXXX/XXXX/2015, I have not yet received the title. I made numerous calls on this date to DriveTime, and was told several different things that contradicted each other, from the State of California holding up the title processing to the title not being processed due to a " system bug ''. I have included documentation of payment of the loan, as well as conversations with the various DriveTime staff members. Also included is a conversation with a representative of the California XXXX stating that DriveTime never submitted any kind of title or lien release paperwork. ( As each agency has a recorded statement that phone calls may be recorded, that satisfies the requirement of notification of call recording. See 18 U.S.C. 2511 ( 2 ) ( d ). )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
XXXX and I ( XXXX ) payed our monthly mortgage payments from XXXX, 2016 to the current date, XX/XX/2016. However, we made XXXX payments XX/XX/2016. We have not received any credit to our account or acknowledgement of the checks received XX/XX/XXXX. We would like our account to be credited in the amount of {$970.00} for the extra mortgage payment we made XX/XX/XXXX. Also, we were not able to review the response to our complaints online. Could Nationstar Mortgage and XXXX XXXX XXXX send their written responses to our complaints through the postal mail? XXXX and I do not have a computer at home at this present time. Also, it would just be easier and more helpful for us to read what our mortgage company has to say in regards to our complaints. 
Also, we would like the CFPB to review our case very seriously. We have been victims of fraudulent banking activities by both XXXX XXXX XXXX XXXX Nationstar Mortgage. XXXX and I mailed a letter yesterday requesting that the office of the Minnesota Attorney General-XXXX XXXX send to the CFPB a copy of all the correspondence we had with them as well as with XXXX XXXX XXXX and Nationstar Mortgage..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
I was laid off by my employer for lack of work. I have requested a mortgage modification with my mortgage company Green tree several times for the last 3 years. They will not work with me to modify my mortgage. I was recently sent a property foreclosure sale notice to forecloseon my house XXXX XXXX, 2015. Ditech is my new mortgage company I did not receive a letter stating they were my new mortgage company. I want to keep my house and modify my mortgage. Please assist me with the mortgage modification. and postponing the foreclosure sale date. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP
State: OH

Complaint narrative:
I have received several more calls from Capital Management after I told them not to call me and the debt is not mine. I have not returned any of the calls to XXXX. This is my second complaint against this company. You contacted them but there is obviously no resolution because they continue to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: BlueChip Financial
State: TX

Complaint narrative:
Said they were sending a process server to serve my husband for a loan with Spot loans form XX/XX/2014. Said he was going to be charged with defrauding a company and presenting a bad check. 
He would be served if we did n't pay the {$1300.00} dollars.

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 2016-10-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
I am a XXXX Veteran that maintains excellent payment history. I keep getting this collection flagged on my credit report by Sa-Vit Collection Agency of XXXX, NJ XXXX and the debt is not mine. I Am not the joint account holder or signed a document saying i am the responsible party for the bill they are trying to collect. To my knowledge there is no document that they have that shows me as the responsible party. Yet, they are adding my name next to my wifes name. My wife didnt speak good english and I believe she asked creditor to call me to talk about the unethical collection on her behalf. The credit company then automatically attached my name to the debt ever since. They need to remove all traces of this collection from my credit report and if they do this again, I am requesting Bureau of Consumer Financial Protection to please fine them the maximun amount for each incident they mark on my report. I pay my payments on time and it shouldnt mess with my credit score nor report and cause me damage. They continue to do this and I am requesting consumer financial protection from these illegal practices. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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: CA

Complaint narrative:
we receive a letter from a company name Hillcrest Davidson asking for {$1700.00} for a security system we never ask or have one at home they also said have our social securities # and first ask for XXXX XXXX am not XXXX XXXX but i am married with XXXX XXXX my name is XXXX XXXX when i tried to fix these debt they explain me was a contract signed from us we live in these house for more of XXXX almost XXXX never installed or ask for any security system in all we was involved with a Title company with Identity theft and houses + products be issue in our names i explain Hillcrest Davidson and they told me i have to ask for an affidavit when i said to send to me to my email the last associate start to yell and hang up the phone 4 times i call back and 4 times phone was hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
My finance company ( PennyMac finance has taken money from my account and made second payments for several months last year. I have tried to work with them, but no luck. They also made insurance payments to XXXX insurance companies even after I notified them XXXX was canceled. The money that was returned from the canceled insurance company was not put back in the Escrow account, but was used to make extra monthly payments on my loan. I was also charged a late fee although I have Bill Pay and mu mortgage payment is sent to PennyMac on the XXXX of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: OK

Complaint narrative:
I was furloughed for 18 months beginning in XXXX 2008. This caused me to fall behind on my mortgage. I have been trying every sense to get a meaningful loan modification. I have been turned down so many times I ca n't remember them all. I have been in foreclosure XXXX and dropped XXXX. The XXXX time they won a judgment and vacated it restoring the note and mortgage in full and told the court that I had paid every thing I was behind. The XXXX time dismissal without prejudice. I am a prisoner in this home. They will not foreclose, they will not take my money ( anything less than what I am behind that is ), they will not negotiate a settlement. I am XXXX years old and life is passing me by. I ca n't buy any thing with out a very large amount of cash down and extremely hight interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
My home mortgage is with Penny Mac. It has a PMI fee that we have been paying. Per the original agreement. As of a month ago the Loan to Value dropped to 79.79 %, which was to trigger a stop on the PMI. I notified Penny Mac that per our agreement to stop charging me for the PMI. They refused until I PAID for a re-evaluation of my home. This was never in any documents. As a matter of fact I have a letter from Penny Mac dated XXXX/XXXX/14 that states ; that the PMI would be terminated when the Loan to Value reaches 80 % or lower than the " Original Value ''. It has reached that level and they now want me to pay for the home assessment before they will terminate the PMI. This is not part of the agreement. 
Please Help.

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