vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Cash Express, LLC
State: KY

Complaint narrative:
I was unable to pay my payday loan with cash express in XXXX ky. Even after I tried to set up a payment with them, they have called every day. even had a collection agencency call. I was suppose to be able to set up a payment with them. Now cash express is saying I cant make payments. They was at my door this morning to collect.. Not sure if its illegal to harass people at there residents. But this is very over whelming. Please let me know what I need to do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 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: CA

Complaint narrative:
I received a call from a number that is unknown to me. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
On XXXX XXXX, 2016 my home was damaged by a hail storm. Following the inspection by my insurance adjuster, I contacted my mortgage servicer, PennyMac, on XXXX XXXX, 2016 to initiate the claim process and determine what documentation would be required to repair the damage to my home. At that time the specialist informed me that I am able to act as my own general contractor and emailed me the claims package with the required forms and all documentation I needed to return. The specialist was very clear in her instructions, detailing all information I need to provide on the notarized Mortgagor 's Affidavit and as well as the information I needed to include the letter stating that I will act my own contractor. 
Once all required documentation was collected and the claim checks received by the insurance company, I overnighted all information to PennyMac on XXXX/XXXX/2016. On XXXX XXXX, 2016 PennyMac received all documentation in the overnight packaged and proceeded to deposit the insurance claim checks on XXXX/XXXX/2016. 
Based on the information I received from the PennyMac specialist on XXXX/XXXX/2016 and after receiving the insurance adjuster 's damage estimate, I began to make the necessary repairs to my home paying for the materials from my personal funds, based on the knowledge that I was able to act as my own general contractor. 
I did not receive any correspondence or other communication from PennyMac with the status of my claim. On XXXX/XXXX/2016, I called PennyMac and spoke to another specialist who informed me that my account was in " Express Monitor '' status and the accounts payable department is in the process of creating your disbursement of the full amount of insurance claim. She informed that it can take 4-5 business days and advised that I call back on XXXX/XXXX/2016. When called back on XXXX/XXXX/2016, a new specialist informed me that more documentation was needed and I need to return a signed work contract, lien release and XXXX from a licensed contractor to get my funds released. The specialist said that I am not allowed to act as my own contractor. This is in complete contradiction to the information that was provided on XXXX XXXX, 2016. I 'm begin to occur interest on the out pocket expenses and not sure what recourse is available to receive the insurance claim funds that PennyMac is in control of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
I received notification on from an attorney on XXXX/XXXX/2016 that my home is in active foreclosure. I contacted PennyMac to work out a payment plan which I had done previously in XXXX but was denied. I was told over the phone that I qualified for the repayment plan, and would be contacted by a representative. I was contacted by XXXX who 's manager is XXXX XXXX on XXXX/XXXX/2016, to start the process of working out the repayment plan. I was also told that foreclosure fees had to be requested from the attorney before this could start. It is now two weeks later and still no foreclosure fees. I do n't feel it is fair that I have time ticking against me, and it is not my fault. The letter from the attorney says I have 30 days to respond this is taking from the 30 days. I feel the foreclosure should stop while you request this sort of stuff. In addition I asked if I should make a payment on XXXX/XXXX/2016, and was told yes go ahead and make a payment so you can reduce the total amount due in your mortgage. Then when I called on XXXX/XXXX/2016 to report I made a payment of {$2800.00} which is two whole months, she said it may not be applied to the account. Why would you tell me to pay and it not be applied. Is this company trying to make me loose my home? I need this foreclosure to stop and be given the amount to reinstate my mortgage ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
We are receiving multiple calls per day at XXXX different phone numbers looking for contact information for a relative. 
Not sure how they got our phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
12 months ago I had to start paying my mortgage payment to PennyMac by Money Order because I had a payment to go past 30 days, this was there policy when this happened. In XXXX 2015 I noticed the payment that was made was not credited to the account, I had proof that the cashers check was received by PennyMac, who received it and what time. I spoke to a lady at PennyMac and they said they do n't have it, I had to fax the copy to PennyMac. When I talked to the lady at PennyMac ( XXXX ) she told me she had talked to my bank and the check had not been cashed by them. She said she would stay in touch with us and that it would not go against my credit and there would not be any late fees. I told her I was trying to refinance and did n't wont to hurt my credit. After 2 months I called PennyMac back because they had n't called me and I spoke to XXXX again, this was after I had left her 2 messages and she never called me back. I called because I noticed my credit score had dropped XXXX pts. When I spoke to her she said it was pretty much on me and I should have stopped payment, there was no conversation about stopping payment when I spoke to her the first time. My wife went to the back the next day to have them stop payment on the cashers check, the bank can only do it with a letter from the mortgage company with their letterhead stating why the cashers checked needs to be stopped. Since she did n't take care of what I asked about I asked to speak to her supervisor, XXXX XXXX got on the phone and pretty much said the same as XXXX. He did tell me they would put in a request to change the credit report and XXXX will call me back in a few days. She called me back on Friday of that week and told me she had tried to get a hold of my bank and had left messages and know had called her back. My wife talked to the bank and he had no calls or messages from XXXX at PennyMac, my bank had left her messages and know return calls. On Monday this week XXXX/XXXX/15 XXXX called me back and told me she had not talked to my bank and they were not able to send my bank a letter on their letterhead to stop payment on cashers check. She called me back on XXXX/XXXX/15 and left me a message and tried to call her back XXXX/XXXX/15 in the afternoon and left her a message and then called he back on XXXX/XXXX/15 and left another message. It 's XXXX Friday XXXX on XXXX/XXXX/15 and see have had know call back from XXXX. I talked to the bank and she still has had no conversation with them. The website shows all payments have been for XX/XX/XXXX and XX/XX/XXXX but no payment for XX/XX/XXXX, When I spoke to XXXX he said that payments were applied to XXXX and XXXX and no payment had been made for XXXX, they do n't know what 's been made. During the past 3 months I 've had 3-4 calls a week from an automated phone system, I 've received in the mail every week of ways to get your loan caught up or foreclosure or shot sale.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Received alert today of a negative item was posted to my credit report. Contacted Midwest Recovery Systems to find out what this item was. I talked to XXXX XXXX, who was rude, distrepecrltful and very unprofessional who told me the creditor was XXXX whom I had a payday loan with in XXXX 2012. I have never heard of nor did any business with company. Told him I never received anything in the mail regarding this collection. He said no they did n't send anything in the mail and they did n't have to because this was there 1st contact and this was all that was needed. I said no it was n't and by law I have 30 days to respond and I was n't given that time to respond, so please remove this item immediately from my credit report. He said they were not going to remove anything until this account was paid in full and hung up on me..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: IA

Complaint narrative:
The company National Credit Adjusters has repeatedly contacted me despite requests not to do so, from a number that is masked on caller ID as a different number, claiming I owe a debt that they can not/will not verify in an official notice. I have received unofficial email notices claiming I owe a debt around XXXX dollars or XXXX dollars, representatives on the phone say I owe north of XXXX dollars. The debt amount changes with every different contact, and they still have not sent a notice to me to date despite me asking. This company operates in a way that I am convinced this is either a scam or the most unprofessional agency I have ever dealt with. I would like someone to help me straighten this issue out because the company and I can not seem to hash anything out at all, and they have threatened legal action despite not providing any paperwork that I even owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services
State: MI

Complaint narrative:
They make it impossible to pay, are very difficult to contact and keep reporting me and ruining my credit score. 

Any amount of research on the company ACS educational services turns up nothing but disdain from customers who are constantly getting screwed over. How is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
In XXXX 2014, our house was hit by a severe XXXX. PennyMac, as our mortgage holder, is responsible for disbursing the funds from our insurance company so that we can pay for repairs to our home. 

Repairs are now complete, but PennyMac is stalling on releasing payments. This means that we either have to ( a ) go out of pocket and pay contractors ourselves ( approx {$40000.00} ) or ( b ) continue to nag PennyMac to release our repair funds, and run the risk of incurring late payment fees or, worse, a lien from our general contractor. 

Numerous calls to PennyMac have failed to push the process forward. It seems that PennyMac has instituted a process of losing paperwork and giving its mortgagees the runaround in an attempt to keep our money as long as possible and generate interest.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BlueChip Financial
State: KS

Complaint narrative:
XXXX is the collection company handling to collection. They called Tuesday both mine and my husbands phone. My husband returned their call and they discussed the debt and what is was going to take to fix it. My husband is not on the loan or my personal account. I spoke with them Wednesday about the fact that they discussed my personal info with my husband she informed me they are able to. She stated that I woild be served papers today if not paid and then garnishment would start soon after.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Systematic National Collection, Inc.
State: PA

Complaint narrative:
I had XXXX accounts with the collection agency. I agree to pay for the accounts. They told me that there policy was to pay on XXXX account, until it was paid off then pay on the other XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Essential Retrieval Group
State: WY

Complaint narrative:
Contacted by XXXX XXXX XXXX initially stating that I owed {$2000.00} for a previous payday loan. Had only the last XXXX digits of my social, and my father 's name. Had a very old address. Stated that a complaint had been filed against me for non-payment of a debt. Could not tell me what company initially provided loan, or any other information, only that there was pending legal action and I would be served if I could n't get payment to them today. I gave them a bank card, which i promptly cancelled after calling the company they said they represented ( XXXX gave me all the information that I needed stating no debt was owed to them by myself, and the XXXX company, which lists a residential address and has all phone numbers associated with it disconnected. XXXX XXXX XXXX ). They promised a letter via e-mail which I never received, showing company information and debt and who the original debt was through. 
They called again this morning XXXX and harassed me again this morning, stating that the payment I set up ( wrong bank account information, etc ) did not go through ( old information again, bank account that I closed in XXXX ), and that they would sue me if they did n't receive a call from myself or my attorney by XXXX EST. They were rude and talked over me when I stated that I had filed a complaint and could find no shred of evidence that they were a legitament company. I hung up. They left a threatening voicemail which I saved on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Mortgage with PennyMac. In error, I did not notice that they had been escrowing $ for my insurance of which I had on the property until the took an additional {$500.00} with my XXXX payment. My error. I have called them along with my insurance company repeatedly regarding and my insurance has sent over the proof declaration page multiple times. Every time I have called they say they did n't receive it, even once when I was assured the rep was on the phone with my insurance and would not hang up until she saw the fax. Well that was not true as we had to send again the week later. Also they say they take notes, but then they have nothing regarding. After numerous calls and runarounds, I was assured XXXX/XXXX/15 that I would be receiving a check for {$1900.00} from XXXX # XXXX and to call back today to see when it would be processed. Now after multiple runarounds, I am told that they do not have it, they have a 90 day binder and that is not enough to release the funds which 100 % contradicts what they told me last week. So again, I have to contact my insurance company to send them over a new declaration. They have had the documents no less than 3 times of what they needed. They are STEALING my money I am owed and was promised I would get on my phone call last week. I assume they are filing it to the wrong loan or something, because they can not get it right! I have spoken from the names I wrote down to XXXX # XXXX, promised call back, did n't, XXXX # XXXX promised would stay on hold with insurance company until she had correct form, have spoken to XXXX XXXX, today was XXXX who swears they only have 1 document which is wrong. This does not include the numerous calls my insurance company has made with them as well to straighten this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: GA

Complaint narrative:
Drive Time sold me a car ( Chrysler 200 XXXX ) at 16.9 % interest. I drove the car a little over a week and the Anti-Freeze hose was completely busted that I could n't even replace the hose i had to replace the entire hose including the cap mounted to the front of the car. Since I 've had my car the 2nd week I 've been filling my front right tire up with air because the light keeps coming on " low air ''. Drive Time told me today that my payment was Behind ; after a day when in fact I 'd paid the car not the night before they called through my bank - telling me that I would inquire a 2 % interest late fee EVERYDAY that I 'm late. I told them i would Not pay that I could show them receipt of the date and time stamp that I made the payment. I refuse to be paying a company that will try to bully me harrassing and calling my phone at work repeatedly during the day BEFORE and AFTER I 've made a payment. My number is XXXX and email : XXXXXXXXXXXX.

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 2015-12-01 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
The debt collector seems hire a detective and call my dad to his cell phone and told them to tell me to call them because there has been filed a complaint against me and game my name. At my knowledge this is inapropriate and illegal. My dad called me worried to tell me that a woman call saying to call her back because a complaint has been filed and he said hope you are ok. I have not received as required by law a verification of debt letter within 5 days of receiving phone call neither as of today. They are behaving like scammers. Need advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I 'm receiving calls from XXXX and XXXX claim to Nation Credit Adjusters.When you call the number, they transfer you either to an off-shore call center or XXXX on the east coast. saying I owe money I have a recently discharged bankruptcy and all of my legitimate lenders were notified. they call family and friends and I do n't know how they get the information!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Midwest Recovery Systems
State: NV

Complaint narrative:
have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Transunion. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ACS Education Services
State: OH

Complaint narrative:
XXXX sent a false loan verification over to XXXX XXXX in XXXX stating that I took out a loan in the amount of {$420.00}. In fact the loan was canceled in XXXX and I have proof of it, while providing that proof to the bank they have refused to send the money back that was taken. They have also retaliated by submitting false information to the credit bureau stating that this account was late and defaulted by reporting rolling XXXX lates to all three agencies. I have since disputed asking for the note that was signed for this loan amount of which they have not been able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I have no recollection of what rhis debt is for. Im assuming it is a medical debt and if that is the case i have had coverage thru the state of Minnesota for over 10 years. It may be a debt that should be taken care of thru Medical assistance. But I am not sure.

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