vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: ME

Complaint narrative:
Green Tree took over my account servicing from XXXX in XXXX 2013. I have had nothing but problems with them. 
Last year, they forced me to pay extra into escrow, even though I provided information that I did NOT owe that money. They did refund the extra at the end of the period. In fact, I complained to cfpb about them at the time. I got a response from you that Green Tree was '' researching '' the complaint, and never heard from you again. 
THIS year, they stated that my escrow was low {$1400.00}. My taxes AND insurance only went up about {$500.00}, so I do not know how they came up with {$1400.00}. I have written them XXXX times and get nothing sensible back, and they take XXXX weeks to respond. I paid {$1000.00} into escrow. They increased my payments anyway, and XXXX letters later, I finally paid the {$460.00}. They still demand the higher payment. Well, in fact, they now DO NOT SEND my statements. Twice they sent responses with attachments but the documents were NOT included. 
I have had no statements for XXXX, XXXX, and nothing now for XXXX. Their " representative '' called me at the time I sent in {$1000.00} and started yelling at me. He would not listen to anything I had to say. I refuse to call them. I write everything. 
I need my payments set right, and I need my statements. 
Green Tree is not responsive to customers. They have not been answering my letters and they are purposefully not sending my statements, because I have been receiving other mail XXXX HARP refinance, which is probably required by the government ) from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
Servicing issue. My PITI monthly payment is $ XXXX/mo I routinely pay {$2500.00} or {$150.00} extra which I intend to be used towards princiipal. This is not applied ( I assume it would allow me to avaoid a little ineterst. Servicer is un willing to make this change except on a month by month basis- they want me to provide a letter each month that I over pay. Ditech For some reason this does not feel right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I use to be a patient if XXXX whom is claiming I owe them {$510.00} after there office was closed down they put it on my credit as gulfcoast XXXX and I keep disputing I called the office manager at XXXX XXXX because never did I owe them this or the dr would not of seen me I had Medicare and Medicaid always paid my copy 's when I went in to my visits and I think someone internal is committing fraud I never even received a phone call or letter from them for this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TCF FINANCIAL CORPORATION
State: OH

Complaint narrative:
My Mortgage Loan and Equity Line of Credit Loan were purchased in an acquisition by Chemical Bank based out of Michigan. For the last five months I have made my payments on time however they ca n't seem to post the proper information to my account. Notified each and every month since they have acquired XXXX and every month I receive a different story. They have posted my payments improperly and continue to charge interest never making an adjustment simply telling me they will get it corrected. This month for example my payment due date is the XXXX and due no later than the XXXX. I made my payment on the XXXX carried into the branch and today I receive my statement dated the XXXX that I am past due by one payment. Of course they continue to charge interest based on the statement of the XXXX. Today when I contact them I am told they are required to send out the notice and or statement 10 days after it is due however in prior months the statements are dated the XXXX of the month. Now all of a sudden if payment is not received 10 days after the due date they will consider it to be late. The terms continue to change. On my original loans my payment stub read due on the XXXX and if paid AFTER the XXXX a late fee would apply. They conveniently changed their coupon slips to read that if the payment was made ON the XXXX that a late fee would apply. No notifications sent to the consumer and defending this action by telling me that this was a mandated Federal requirement. I have made payments on my accounts and they posted it all to principal then send me a statement the following month telling me I am past due and that I owe additional interest. Every month is a different set of problems and a different set of terms. I have been paying on this account for going on the 12th year and have never been late and never had a problem, THAT IS until these folks acquired the loan. How many folks are they gouging for late fee 's that do not realize it. How many folks are they posting improperly to the account to generate additional interest and folks do not realize it. I am tired of the aggravation monthly and am tired of the EXCUSES!!!!!

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 monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
This loan is illegal in the state. They have this on my credit report and would like it to be removed.They never sent me any verification of this debt. When I would receive harassing phone calls at work and at home. I sent them a ceased and desist letter. And now it 's on my credit report. As Midwest Recovery System. I do n't have this loan. and owe them nothing. XXXX is what is owed. Please look into this matter. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 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: Midwest Recovery Systems
State: MD

Complaint narrative:
midwest recovery systems placed a collection account on my credit report. Thing is my credit report is free of any outstanding accounts. For about three years. No prior communication and I do n't recognize original debtor. This account is fraudulent or trying to collect on an account that was already settled. This account needs to be removed from all credit bureaus it reported to. I do not owe anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
I paid my monthly mortgage payment to PennyMac on time. They applied the entire amount to a one-time principal paydown instead of my monthly payment. My next statement showed late fees and that my loan was in arrears. I made at least two calls to their customer service center to clear up their mistake. I then got another letter from PennyMac stating that my loan was not current. 

I requested and was promised a call from a supervisor, which never occurred. I also requested and was initially denied a written communication from PennyMac stating that : a ) the error had been corrected ; b ) my loan was in fact current ; and c ) my credit rating had not been affected. 

Since I have neither received a call from a PennyMac supervisor nor a written communication, I am contacting CFPB to ensure that my credit rating is not impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that I would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-23 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: FL

Complaint narrative:
I have repeatedly told this company I was not the originator of this contract. However, they have pulled my credit report without my approval telling me how much I can afford to pay them when I did not sign any contract with them for an alarm system. This have been going on for years battling I did not sign a contract for I was not living in the house I own but with my daughter in XXXX, Fl and my house is in XXXX, Fl. They have threaten me numerous times because I am a XXXX citizen I feel this company is trying to exploit me out of money by threats. They are calling up to XXXX times a day and I have asked them to not call my phone anymore but they continue to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National credit adjusters, they think I have a non re payed loan with them. I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
It some company keep calling my job all the time trying to take legal action. They said that they court summoned me, but I never received nothing to go to court. In addition, they are asking what my HR name is and are trying to fax papers to try and garnish my check. The number is ( XXXX ) XXXX ext. XXXX or XXXX ( XXXX ) XXXX. Her name is XXXX and I have no clue what 's going on. I need for her to stop calling my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services
State: TX

Complaint narrative:
ACS/XXXX XXXX XXXX / XXXX ( this was a private loan ) ... ACS began servicing this loan in XX/XX/XXXX. There were never any payments made on this loan. Payments were to begin on XX/XX/XXXX. This account should have been removed from from reporting agencies in XX/XX/XXXX. This information is being reported differently on all XXXX reporting agencies : XXXX : ACS/XXXX XXXX XXXX / XXXX. Reporting date of first delinquency as XX/XX/XXXXXXXX : XXXX - XXXX / XXXX ACS. Reporting date of first delinquency as XX/XX/XXXXXXXX : ACSXXXX XXXX. Reporting date of first delinquency as 60 days past due as of XX/XX/XXXXACS is telling me that I need to contact XXXX XXXX to resolve this issue. XXXX XXXX is no longer in business. All the numbers for XXXX XXXX ring back to ACS. ACS is telling me that they are not responsible for reporting because they no longer have the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 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: MO

Complaint narrative:
I was called while I was working as XXXX and harassed as well as threatened while I was XXXX. i advised the collections agency that i would call back and he asked question after question and making statements that he would place my account on status with the XXXX credit bureaus. i advised him that they were a third party agency and that i have not signed agreed or entered into a contract with them. he asked for information and i gave it to him in an effort to verify no affiliation with the company. the company stated that i agreed to some form of agreement which i continuously advised them not to contact me and that i do not have any verbal or written agreement with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services
State: WI

Complaint narrative:
I received a loan from a local credit union to pay off my student loans serviced through ACS. The Credit Union sent in the payoff money. The money was applied only to one of my 5 accounts, leaving payments due for XX/XX/2017. In the middle of XX/XX/2017, I called ACS and was told there was a huge surplus on one of my accounts, and that this surplus could be applied to the remaining 4 accounts. I checked and this did n't happen. I called ACS back and was told they could not apply the overpayment to my other accounts, forcing me to go into a forbearance request. They said it would take 30-60 days to receive my overpayment back, at which time I 'd have to make the payment to ACS myself. 
I am going to be very upset if I am charged any fees or dinged on my credit. How can ACS hold my money interest free and lie to me on the phone?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ACS Education Services
State: MA

Complaint narrative:
As a result of ACS ( student loan company ) not taking care of not removing an erroneous late payment my credit score went down. Even though my payment was made XXXX weeks before the due date and after speaking with a representative from ACS, they failed to make the necessary adjustment to my account but instead reported to the credit reporting that my payment was past due. In addition, when calling ACS you are put on hold for XXXX minutes to almost an hour before a representative comes on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: COMMERCE BANK
State: MO

Complaint narrative:
On XXXX XXXX 2016 I closed out my checking account Commerce Bank on XXXX and XXXX downtown XXXX MO with the manager XXXX XXXX bringing my account to a XXXX balance this concluded my business with the bank of 7 years on good terms. XXXX the XXXX Commerce Bank took it upon themselves to reopen my account and honor several auto payments with merchants without my permission. Now the bank is trying to come after me with overdraft fees and what is now in negative balance of over {$200.00}. I did not intend to pay the merchants which was my reason for closing my account. By reopening my account without my permission is fraud on a very high level. Upon trying to speak to them about the situation I was met with a rude condescending and gangster like mentality please help. Clearly the bank made a mistake and how they closed out the account causing it to be able to be reopened and funds taken out that did not exist. Now they expect me to pay for their mistakes. Please help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC

Complaint narrative:
PennyMac adds new costs and requirements to the loan at will. When questioned, they say they will fix the matter, but it is not fixed. They have bullied my family regarding increased payments, addition of escrow items including both insurance and property tax, both of which I have paid out of pocket for years. I had finally gotten them to remove the insurance item last year XXXX XXXX. My Insurance company went to great lengths to make this happen. But several months later, they had added another escrow item ( property tax ) to the mortgage with demands that I pay. They are now threatening foreclosure on a loan that has never had a missed payments, nor late payment. I spent hours on the phone with their escrow department in XXXX XXXX, and it was going to take the better part of a week to fix the escrow issue. I was advised to make an extra payment to ensure that I was not foreclosed on while waiting on this escrow fix. Well they got the extra payment out of me, adjusted my payment up. And the foreclosure notices continue to arrive. I am not happy with a company holding our mortgage making indiscriminate changes to the amounts to be billed each month. It is truly a travesty. It is defintely immoral and probably illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
ON XXXX/XXXX/16 MIDWEST RECOVERY SYSTEMS SUBMITTED A DEROGATORY ENTRY ON MY CREDIT REPORT FOR XXXX $ BUT AFTER A COMPLAINT TO THE ( CFPB ) THE ORIGINAL CREDITOR [ XXXX XXXX XXXX XXXX ] RECALLED THE DEBT FROM THEM AND THE DEBT WAS FORGIVEN FOR XXXX $ ACCORDING TO XXXX XXXX XXXX RESPONSE ON XXXX/XXXX/16 .THAT IS A + DIFFERENCE OF XXXX DOLLARS THAT MIDWESTERN RECOVERY SYSTEMS TRIED TO EXTRACT FROM ME ILLEGALLY.I DEMAND THAT MIDWESTERN REMOVE THE NEGATIVE ENTRY ON MY CREDIT REPORT BECAUSE THEY NO LONGER HAVE THE AUTHORITY OR PERMISSION TO ACCESS MY CREDIT REPORT FOR ANY REASON DUE TO THIS DEBT BEING RECALLED FROM MIDWESTERN RECOVERY SYSTEMS AND FORGIVEN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
PennyMac Loan Services will not remove the PMI payments on my mortgage. I have made numerous additional principal payments to get the principal below XXXX % of the originally appraised value ( {$240000.00} ) on the mortgage. I have never missed a payment and requested that the PMI be removed when the L : V ratio fell below XXXX % of the original appraisal back in XXXX 2015. At this time they ordered a BPO, which found the value of the property to fall from {$240000.00} to {$230000.00}, therefore denying the PMI removal request. I was told by PennyMac that as a result of the BPO, the L : V ratio needed to now be below XXXX % of the orginal value in order for the PMI to be removed. Under instructions from PennyMac, I made further additional principal reductions to get below the 78 % L : V ratio ( based on the original appraisal ). PennyMac is still refusing to remove the PMI even though the L : V ratio is now below XXXX % of the orginal value. Since beginning this process, I have followed up numerous times only to be told different information each time I call. The usual excuse I am given is that they are looking into it and I should wait 10 business days for a PMI removal resolution to be determined. In the meantime, I am still making PMI payments even though my principal balance is below XXXX % of the original value. In my opinion, PennyMac is intentionally providing me with misinformation and using delay tactics to extend the PMI payments on my mortgage. Please assist in getting the PMI removed from my mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMERCE BANK
State: AZ

Complaint narrative:
Company sent out a 50 % settlement offer for the full debt XXXX XXXX. I sent a check back with the amount, {$560.00}, and the company accepted it only as a partial payment, claiming they had no record of any debt negotiation. I thought I had made a mistake in the process, so I did nothing. Company again sent a 50 % offer for the remaining balance, so I was more diligent in sending the acceptance quickly and sent them a check in the amount of {$280.00} with the enclosed offer. Company again accepted it as only a partial payment, not an acceptance. When I called to inquire, Company told me that sending in a check did not constitute acceptance, and that I had to actually confirm the acceptance over the phone. My issue : sending in the checks unequivocally constituted an acceptance of the offer and were conditional on the settlement of the debt. Company is negotiating in bad faith and making up their own rules of acceptance. Offers never said anything about being conditional on further negotiation or acceptance over the phone, only that the checks would have to be received by a certain time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NRA Group, LLC
State: ID

Complaint narrative:
This debt has been showing up on my credit report for few years now. I talked to someone representing this company ( XXXX ) few years ago and even had everything clarified. But, I believe 2 years ago maybe, the innacurate information showed up on my credit report again. If I remember correctly, it was a computer wich was paid for with a personal check with my name printed on it. After 4 days it was returned with receipt. But we did n't get a refund at that time. We were told that we would have to wait another week because it was paid by check allegedely, so the check had to clear with their bank to get a back. So XXXX got their product back and decided to report us for years as thiefes? In fact i think maybe they owe us close to {$700.00}. I am a XXXX XXXX and I have been discriminated because I cant run around or call all day to find out what happend.. I think XXXX of their own employees stole my refund,

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