vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
Hello, this mediCal debt was given to me without my ok.this Dr showed up to my room and looked at me. I asked him if he accepted my insurance and he said he 's not sure. And I told him do not examine me if your not sure. He examined me anyway. This happened well over XXXX 6 years ago at the XXXX hospital. I have tried to contact this Dr XXXX and I receive no response. Please respond to this message as soon as possible. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
On my credit file, a National Credit Adjusters collection account in the amount of {$950.00} appeared. Date reported was XXXX/XXXX/2015. I contacted the number listed on my credit file to inquire about the debt. A representative stated it was a payday loan account that was from XXXX. I stated to the representative that I had not done business with this company and this was not my account. I contact XXXX but they said they did not have an account in my name. The company is stating that I received a loan but I am disputing that I am the borrower. I am not the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I have had my loan for almost 3 years now and never got a 30 day late credit reporting. In fact, prior to my loan being transferred from XXXX XXXX XXXX, I never made a late payment. Since Pennymac acquired my loan, I have not had my payments applied properly and on time. On XXXX XXXX, 2015, I made a payment for my loan account. I mailed a second payment days later. I received information today that my loan was 48 days past due which has never happened prior to Pennymac acquiring my account. Please note I did not receive any statements regarding my loan account until today. Today, I called to make a payment over the telephone. The representative indicated that my loan was late and past due 48 days and 30 day late was applied to my credit report. My credit is very good and I have never made a late mortgage, car, and or credit card payment. Most important, when my loan was service transferred I was informed by a PennyMac representative that negative reporting does not occur until a loan is 60 days past due. Which was not true and deceiving and violated RESPA, Reg X, ECOA, and UDAAP. I requested of the representatives to have the calls pulled regarding my account, and I disputed the negative credit reporting. The CFPB needs to investigate this company as their practices are violating RESPA, Reg X, ECOA, and UDAAP. Pennymac did not apply the payment I mailed in and their representatives gave me false information regarding my loan account. I am appauled that this company can get away with this. PLEASE HELP, MY CREDIT IS BEING RUINED. I am requesting that the 30 day late be removed from my credit report as I mailed that payment and was initially given inaccurate information from a PENNY MAC representative

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
Hi, I have asked to not be contacted at work because I am not allowed to receive personal phone calls or visits of any kind. The person I spoke with on the phone today stated that they would call my work even though I agreed to use their website to set up a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ACS Education Services
State: MA

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX XXXX and XXXX in XXXX. 
I was forced to file for chapter XXXX bankruptcy in XXXX because of the lack of willingness by a student loan company to work with me on the payment amount. Just before I XXXX from XXXX, I suffered from a serious medical condition that forced me to be out of work for about six months. In XXXX the economy was starting the downward spiral, I managed to get XXXX jobs XXXX at minimum pay and eventually got a job with the Social Security XXXX in XXXX XXXX. My starting salary was {$37000.00} per year. I had my young son and a household to support. The student loan company did not care and based my payment on what I earned. I could not afford the payment thereby filing for chapter XXXX bankruptcy. I made the court ordered payments to the trustee who then sent payments to the student loan servicing company, XXXX. My bankruptcy was discharged in XXXX XXXX. What I was not aware that XXXX sold my loan to ACS Loan Services, it took ACS 4 months to inform me that they were now servicing my student loan and then informed me that they added capitalized interest of {$14000.00} onto my loan, bringing my loan amount to {$100000.00} at an interest rate of XXXX. My payment is now {$680.00} per month. I never received any kind of notices or information from the either student loan servicer that this was happening. I have tried to dispute the capitalized interest with ACS with no relief. I have been sending in partial payments of what I can afford. I have managed to make a full payment the last three months but ACS keeps charging me late fees, applies none of my payment to the principle and the balance of the loan keeps growing and the interest keeps compounding. Over 6 years I have payed XXXX and ACS about {$25000.00} and my student loan principle has never gone down, it continues to grow. This is extremely distressing, I am XXXX XXXX XXXX and will never be able to pay this off. I am not disputing that I am obligated to pay the loan, I am disputing the {$14000.00} ACS added onto the balance. I have made a good faith effort by making payments towards this loan, but, at this rate I feel this situation is hopeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Rothstein Acquisitions LLC
State: OH

Complaint narrative:
I have visual voicemail and this is the message I was left, " This is a very urgent message for XXXX XXXX my name is XXXX XXXX (? ) and I 'm calling you in regards to XXXX (? ) enablement. I 'm now serving your final legal notification. This is in regards to your case number baby XXXX. Very to respond will result in you forfeiting any in all rights for voluntary restitution the case will be forwarded out to the County clerks office in XXXX County to be prosecuted to the fullest extent of Ohio 's State law and suspension of your drivers license. It is very urgent you need to contact XXXX XXXX immediately at 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 2016-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
We had a tornado damage our house on XXXX XXXX, 2016. Our insurance company sent us a check within a few days. The check was made out to us and the mortgage company, PennyMac. We signed the check and forwarded it to PennyMac. We have had numerous contacts with PennyMac and are still trying to get the money to pay for materials and the labor needed to do the repairs. They told us my husband could act as a general contractor and not have to worry about the XXXX and all the other paperwork. We sent in paperwork saying he would be paying all the bills and there would be no liens or any other attachments on the property. Now they say that wo n't work and the work had to be started before that would be acceptable. We ca n't begin the work because they wo n't give us the money to finish paying for the materials. I have n't even ordered the new door because we are having so much trouble getting the money to pay the bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I opened a TD Premier Checking account XX/XX/XXXX, enticed by the {$300.00} sign-up bonus. I met all the terms, specifically the {$2500.00} in direct deposit within 60 days of opening the account. The fine print indicated that I could expect my bonus 95 days after opening the account. 

95 days passed, and the bonus never arrived. I ended up calling four times over the course of a month, and was given inconsistent answers each time. 

The first representative told me that the 95 days began after I met the terms. I corrected her, and pointed out that it was in fact 95 days after the account was opened. She acknowledged the mistake after reading the fine print, and said she would seek an answer. Weeks went by and I never heard back. 

I called again, and this representative told me I had n't received the bonus because I was n't considered a new customer, which is who the offer was available to. I had trouble with the website when starting my account, thinking my requests had n't gone through. This resulted in me errantly starting XXXX accounts. I immediately closed XXXX of them, but apparently this led to me not being classified as a new customer. The representative acknowledged that this should not prevent me from receiving the bonus, and that she should be able to explain the issue to a superior. She said she would send a detailed e-mail on my behalf. 

A couple more weeks went by, and the bonus still did n't appear. I spoke to yet another representative, who apologized for me having to explain the matter to so many people. She said she would attach a note to my account, and seek resolution. 

Alas, the next day, I was contacted by another representative, who told me that he had been informed by whoever had the authority to make such a decision that I would not receive the bonus at all because apparently I signed up for the account at a time when the offer was n't available. 

This is utter nonsense. The offer was being advertised all over various personal finance websites XX/XX/XXXX. No specific timetable was provided. The offer was clearly outlined on the TD Bank website. I was careful to read the fine print and understand the details and terms. Also, if the offer was n't available at the time, a customer service representative would almost certainly have informed me of this during my previous calls. 

This bonus should not be advertised if the terms will not be honored. It is a deceptive way to attract new business. I am angry that I spent any time opening an account with TD Bank, and dedicated effort towards re-establishing my direct deposit destinations, for the ultimate result of a slap in the face.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 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: GA

Complaint narrative:
On XXXX XXXX, I went to studentloans.gov to consolidate my loan. XXXX XXXX has already submitted the XXXX to XXXX and that loan has been consolidated. However, ACS Education is refusing to provide the XXXX ; therefore delaying the consolidation. It is supposed to take 30 days, and it has been way longer than that. This consolidation is necessary as it affects my debt to income ratio for qualifying for a mortgage. I am unable to get approved for a mortgage until they do. Is there anything that you can do to help me expedite this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I 've closed a loan through a re-finance and I am owed balance from an escrow account for taxes that was paid by the new bank -- called PennyMac -- they have told me that they paid the outstanding taxes due to the XXXX however the new bank has reported they have paid the outstanding taxes at closing. the loan was re-financed on XXXX/XXXX/2015

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I opened an account in apx XX/XX/XXXX and was told due to my credit history I needed a Opportunity Checking and had to pay a monthly maintance fee for 12 months. I agreed and once I completed 12 months in good standings my checking account was converted to a normal checking account with out monthly fees. XX/XX/XXXX I got a phone call from a fraud unit officer asking if I had knowledge of someone from out of state depositing a large check into my account. I stated no, they told me I was possibly hacked and they would research and call me back. I was called a few days later told yahoo or somewhere had a large breach and my account was compromised. I was told my account would be closed and I could just have a new one opened. I went to start the process of having one open and now im being told that I owe Webster money from XX/XX/XXXX. They are unable to tell me why or any details. I am told I need a Opportunity checking again and I have to pay a monthly fee. I disputed this because I do not agree that I owe money to Webster. I also pointed out I have had a open account for almost 2 years in good standings. The manager said he was going to call me back but never did, when I called back he did no research and said he thought he already told me I need a opportunity checking, I said yes and I disagreed asking for that to be fixed. I called customer service and asked the manager on more than 3 request to have the office of the president or corporate call me to discus this issue and I was refused to be able to speak with anyone. I told the manager I would be filing a complaint and he said go ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 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: SD

Complaint narrative:
I checked my cred it report and it now shows a debt from a collection company I have no knowledge of this debt that is in the amount of {$350.00}. The original creditor was XXXX and it is indicating that the the debt was made in XX/XX/2015???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I borrowed money from XXXX XXXX to attend college and for about 6 months I 've been trying to have my payment lowered since neither my co-signer or I can afford them. They offered me XXXX paths : to lower my interest rate or extend the loan life. They said I would have a hard time qualifying for either since my loan was unfer 30,000 and under 9 years long. The first time I called in, they said since my account was current, they could n't do it until I had a payment due. Then I called back in the next month and they had raised my interest rate! If I did lower my interest rate, it would just take me bqack down to my original payments, which I could n't afford! So they got all of my information, income records from both myself and cosigner, and they tried to lower my interest rate AND extend the life of my loan, but said I had to wait to see if I was approved but they needed to set up automatic payments in case I was. Then my cosigner called in and they said they had enrolled me but I had missed a payment. I had set up automatic payments and they NEVER debited my account. 

They are a bunch of liars who NEVER follow through and when they see that you are trying to pursue lowering your payment, they hike your interest rate up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I was communication with PennyMac for a short sale status, they never approved me for the short sale and were taking forever giving me information regarding postpone the sale. I called and was desperate for all options so I asked for a Payoff quote and then when I called the next day to ask about the short sale request they told me that because I asked for a payoff quote they took me out of review for the short sale and said they were proceeding with the sale on XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
My lender PennyMac is not allowing us a short sell after we have submitted a completed package. 
At one point, we did have a loan modification but our financial situation changed and we could no longer keep that obligation. Needless to say, we have been behind on our mortgage payments and were recently informed of a foreclosure on our property. On the same day we were informed of the foreclosure, we contacted PennyMac to see if we could, again, qualify for a modification. However, we were infirmed we did n't, even though my husband recently graduated college, & is working full time as I am. After being declined for a modification, we suggested a short sale in lieu of a foreclosure, and were told that that would probably not happen because we had about 30 days before the scheduled foreclosure. We asked to give it a try as we believe a short sale is more advantageous to both parties. After speaking to several representatives at different times and days, we were finally told we could try, and to fax an authorization have our realtor have direct contact with them. Our realtor contacted them, completed ( with us ) the short sell package and forwarded it to PennyMac ASAP. 
We have been informed, as of today, that they could n't grant the short sell, although an offer was attached. 
We believe that a true and honest effort has not been done by our lender, but rather disregarded the fact that we are asking for an optional solution that can work for both parties. It seems to us as though this has fallen in deaf ears and we need your help to advocate or guide us with this situation. 
We understand if they say we ca n't afford this loan anymore, but we are not asking asking for something impossible, but rather an attainable and fair solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2016 I noticed a collection on my credit reports from Midwest Recovery Systems for {$2200.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$800.00} and I paid most of that back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 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: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
Dear CFP : Here 's my situation : I had XXXX home phone and internet service XX/XX/XXXX-XX/XX/XXXX ( XXXX, PA XXXX ) and as internet was non-functional, I cancelled my plan and account. After this cancellation, I spoke to various XXXX departments explaining the non-working Internet situation ( while on phone, XXXX was successful in locating tech service calls to my apartment and inability to get Internet working properly ) and was told my account would be credited for the remaining balance of {$140.00}. 

Unfortunately, the XXXX staff responsible for making this happen, failed and my credit report is again being UNLAWFULLY hit by a debt collection company named " Debt Recovery Solution '' ( pdf attached ). 

Here 's the interesting part of this : - I 've called XXXX wanting to follow up with my account status and ask to have what was promised to me years ago, finally done. 
- XXXX ca n't access my account because it 's been sold to a debt collection agency ( Debt Recovery Solution ) - I 've called " Debt Recovery Solution '' and they tell me they ca n't access my account and refers me back to XXXX. ( Although they 'll gladly take the {$140.00}. ) - I call XXXX, again, explain the situation, and they, again, refer me to the debt collection agency because my account is " not in their system ''. 
- I 've also disputed this on my credit report earlier this year, and " Debt Recovery Solution '' mysteriously disappeared from my credit report. 
- XX/XX/XXXX : My credit reports are hit, again, now with both XXXX and Debt Recovery Solution and charge mysteriously reappears. 

Neither company can help clear this up and as services were n't provided, and as XXXX promised to credit my account XX/XX/XXXX for the {$140.00}, my credit is suffering from both companies inability ( and unwillingness ) to correct. 

So I 'm hoping CFP can not only mediate and have corrected but will also prevent either company from touching my credit reports for this item. 

My former XXXX account home address : XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2015-12-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Debt Holdings, LLC
State: DE

Complaint narrative:
i reported this account as fraud to continental finance back on XXXX 2015 as fraud and they sold this fraud account to united debt holding and this account shows on my credit reporting file as charged off and it should not, i have disputed this numerous times as fraud

Company response to consumer: Closed with explanation