vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Capital Management Services, LP
State: VA

Complaint narrative:
My private XXXX loan was sold for pennies on the dollar to a predatory collection agency named Capital Management Services operating out of XXXX, NY. My mom co-signed this loan, which has a balance of XXXX back in XXXX or XXXX. 

My mom received a call on XXXX XXXX XXXX, XXXX asking for personal information and money. She called me and I called this predatory agency back on the same day around XXXX XXXX. 

The woman I spoke with was very intimidating ( I 'm sure they are trained in bullying consumers XXXX. I was told I had XXXX options to pay this loan or they would go after my XXXX year old mother and did I want that to happen? By the way, I was never told what the XXXX payment option was. 

To make matters worse, I am having financial difficulties, which I explained to the bully on the phone. I said I could make a {$25.00} payment on XXXX XXXX to prove I was interested in settling this debt. The remaining payments had to be approved by a manager and I was put on hold. I doubt there was any manager approving anything because I never spoke to the supposed manager. REMEMBER-they bought this loan for PENNIES on the dollar, they are a FOR PROFIT collection agency. The girl came back on and said her 'manager ' approved XXXX payments of {$400.00} to settle the debt. I ca n't afford that. I said I could n't afford that much. Again, my MOTHER was brought into the conversation and how she could pay half and WE could call her and explain that this needed to be paid. Scare tactics and bullying AGAIN. So, I agreed to the arrangement and I ca n't afford it. 
I thought about this arrangement for days and called back on XXXX XXXX XXXX, XXXX to speak with someone who may understand my situation. I thought I could get through to someone who could work with me. I was wrong. 
The XXXX man I spoke with listened and was cordial. He had to transfer me to someone else. I got transferred to another male. I explained my situation and he listened. He then proceeded to bring up my mother. How she should help because she co-signed and how I needed to get money from her. He asked what I made a year and I said about XXXX and after taxes and insurance it was around $ XXXX every XXXX weeks, not a lot for XXXX VA area. He did n't believe me. I offered to send pay stubs. He said it did n't matter. Again, they bought this loan for pennies on the dollar. He offered a XXXX arrangement of almost {$300.00} a month for XXXX months, no settlement if I lower payments. He bullied me again. 
I want you to be aware of their predatory practices and that they use scare tactics to make a profit off of your debt. I would be happy to pay monthly if the payments are reasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I did a VA Refinance by XXXX - a California Corporation on XXXX. By XXXX, the mortgage was sold by XXXX to PennyMac - ( PennyMac loan number XXXX ). My first payment to PennyMac was on XX/XX/XXXX. XXXX Mortgage and PennyMac required that my Hazard Insurance and Property Taxes be paid through an escrow account. My payments were all made on time and included the requested escrow account amounts. However, PennyMac ( XXXX ) did not pay my Hazard Insurance with XXXX. By the time I saw correspondence related to this issue, I could no longer reinstate my cancelled insurance policy and was forced to re-apply for a modified policy ( some policy provisions were no longer available ). Upon the initiation of a new policy, it was paid by the PennyMac escrow and I was assured that an accounting would be done and I would receive a refund as appropriate. The amounts due, from XXXX perspective, were not paid for the period of XXXX until the policy was cancelled on XX/XX/2016. The new policy was in force on XX/XX/XXXX, leaving a period of XXXX and XXXX wherein my house was not covered by Hazard Insurance. 
I have needed, so far, to spend over 10 hours of my time on hold or speaking with someone at XXXX Mortgage, PennyMac, XXXX, and the XXXX collection agency - XXXX. The problems that I can not get resolved are as follows : 1 ) get PennyMac to pay the currently due amount of {$300.00} for the collection account with XXXX XXXX XXXX for the period they failed to pay for Farmers Hazard Insurance policy ( XXXX through XX/XX/XXXX ). A " supervisor '', XXXX, did call and leave a message that there was no money due from XXXX the bill was probably a " scam ''. So, I called her back and left a message explaining that she probably inquired about the current policy number which is paid - not the policy that was cancelled due to the failure of PennyMac to make the required XXXX payments ( the policy numbers are cancelled=XXXX, new=XXXX ). 2 ) I received a demand notice from PennyMac for {$19.00} to cover the XX/XX/XXXX to XX/XX/XXXX period because I did not provide " proof of coverage '' - which is ridiculous since they are the cause of the problem, and 3 ) be paid the remainder of the refund I should receive since there was a two-month period with no Hazard Insurance coverage ( it should be about {$100.00} ). I did receive a check in the amount of {$87.00}, which is less than one month of the cost of the prior cancelled policy. 
This problem has been going on for more than a month. I own and run a small business and should not have to waste over 10 hours of my time resolving a problem that was caused by PennyMac and/or XXXX Mortgage. When I first looked at my PennyMac Escrow and Hazard Insurance information online, it had the correct old policy number and annual amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
Calling my Job and being very harrasing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 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: TX

Complaint narrative:
Disputed collection on account # XXXX. Account opened in XX/XX/XXXX by XXXX XXXX ( family member ) before I owned the house. I purchased the house in XX/XX/XXXX. They can see that the debt was not mine, have said so to me on phone, but will not remove from credit report. They are trying to get me to pay the debt.

Company response to consumer: Closed
Consumer complaint received 2016-03-08 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: BlueChip Financial
State: WI

Complaint narrative:
On XXXX/XXXX/16 at XXXX XXXX I received a call from XXXX at spot loan indicating my payment on XXXX XXXX 2016 had not cleared. I thought that this was a prank as I have been so sick with XXXX and had not received anything from the bank. went to the website and found out that XXXX was correct. I scheduled a payment for XXXX XXXX that did clear the bank. when I 'm speaking with him on that day I indicated that my pay period had changed and that next pay period will be XXXX XXXX and they would not to take out anything before then because I did not get paid until XXXX XXXX. he indicated that once that payment on XX/XX/XXXX he would call me back and get it arranged to have the the pay date as XXXX XXXX and then every two weeks. not hear anything from him and on XXXX XXXX upon checking my bank balance at lunch I noticed that they had already taken out another payment without my consent. Called back to spot loan immediately and they indicated that the supervisor would have to check the phone records of the recordings and come to a decision and and call me later. I did receive a call from XXXX the supervisor at XXXX p.m. she indicated I was correct that I had clearly stated that the next pay period was XXXX XXXX and that she would be refunding the money or I could leave the payment there and then I would n't have to make another payment until XXXX XXXX. indicated that this is going to overdraft my account for my rent check ( which it did and I was charged {$32.00} ) and that I needed the money put back in on Thursday. she indicated it was too late to get that done for Thursday but she would get it put back in on Friday. Friday no money being returned. Saturday at XXXX XXXX. I called and I talked to XXXX she indicated that there was no notes in the system from when XXXX to me. I said I did n't believe that but she said that they were n't going to do anything until they talk to XXXX. I said that if the money was not put back in my account that I was going to contact the XXXX and the Attorney general. She returned call back to me at XXXX XXXX. indicating that she wanted me to go to the bank and get the statement showing that the payment has cleared and they would put the money back into my account ASAP. went to the bank called her at XXXX after the bank had faxed the documentation showing that the payment had cleared I spoke to XXXX. XXXX indicated that he would send an email to XXXX so she would know that the fax had come through. did not hear anything all day and called back at XXXX p.m. again spoke to XXXX. XXXX indicated that he had spoken to XXXX and she indicated she had received the fax and XXXX indicated that they would review the facts and make a decision and v money would be in my account on Monday. still have not received any money back into my account and no communication from the company what so ever.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I have become XXXX XXXX. I no longer can pay my mortgage XXXX Penny Mac. 
I have tried two ( 2 ) times to modify and did n't qualify. Penny Mac sent me a letter with foreclosure alternatives on XXXX XXXX. I have tried to call the person in contact to because the letter says to get back with Penny Mac so we can start the process.information of short sale & deed in lieu. I have had so many different names in all the letters. I received 3 wks ago about me wanting to start the process and hopefully it 's not in foreclosure. Received another letter 2 days ago that says the same thing. That it 's in review. I called last week & the lady said it 's in the courts on foreclosure. That is almost 60 days since I have wanted to short sale. My only income is my XXXX check. ( early retirement because I do n't receive any XXXX benefits ). They had me calling a Texas office and the other person would transfer me to voice mails to leave msgs and no one would call me back. XXXX XXXX different names. Now it is XXXX XXXX. I had to call the supervisor to get her to call me. The XXXX & only time was 3 wks ago. She said someone would call to appraise my home & look inside. I received the same letter this past Friday saying the same. I had asked her before if I should get my documents in orders to mail and she said no. To wait for the appraiser. I was told by several people this weekend that said they were told the same from Penny Mac that the home was in review for Short Sale when it actually was in the courts for foreclosure. I have tried everything to keep my home. Single mom with XXXX daughters that I put through college. My life has dramatically changed. I pray that it is not in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Prosperity Connection
State: MO

Complaint narrative:
I purchased a loan from Reddough Money Center, originating on XXXX XXXX, 2016, with scheduled biweekly payments of {$42.00}. On XXXX XXXX, 2016, Reddough debited my account in the amount of {$210.00}, without notice. I contacted XXXX XXXX at Reddough about the situation, showed up in person, and after several exchanges about the situation, I was told my account would be credited {$170.00}. I asked for explanations for this gross error, and the answers were very vague. I stated I suspected possible embezzlement, which was dismissed as being ridiculous by XXXX . XXXX, which made me even more suspicious. I then noticed a " Maintenance Fee '' of {$23.00}, charged to my account on XXXX XXXX, 2016, which I had no way of knowing it was charged, if not from the printout for this situation. After providing my personal banking statements from XXXX and XXXX 2016, and providing a printout of my transaction history for XXXX, it was proven that all debits previous to XXXX XXXX had been debited, but XXXX 's records did not reflect the same. 

After reviewing MY personal records, XXXX XXXX verbally promised to reverse the ACH for {$170.00} AND vouched that funds would be available in my account on XXXX/XXXX/2016. That did not happen, of course.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
Penny Mac loan services is messing up my credit by not applying my payments accurately and their system is not taking my payment timely. Since they acquired my loan I have had delinquent credit reporting for this type of issue. They inaccurately reported my loan 30 days late for XX/XX/2016. I successfully remitted my payment on XX/XX/2016 through the website and it was taken out of my account on XX/XX/2016. Please refer to my bank statement attached. On XX/XX/2016, I logged on an made a payment for XXXX 2016. To date my payment was not taken from my account so I make another payment. This is ridiculous and my consumer protection rights are being violated. My account has been assessed XXXX late fees and property inspection fees for XX/XX/XXXX and XX/XX/2016. My credit has been adversely impacted and my credit score has dropped XXXX points. 
This is a demand letter and I am going to file a lawsuit in federal district court as I am unable to get a loan for XXXX and have damages now over {$75000.00} to to loss of credit opportunities. Since acquiring my loan, my credit has been impacted with XXXX 30 day late credit reporting. If my credit is not suppressed for XX/XX/2016, XX/XX/2016, and XX/XX/2016, I will proceed with filing a lawsuit Pro Se XXXX. Please be aware that I have already filed a complaint with HUD do to loss of refinance opportunities and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
My wife and I refinanced our loan on our house about 3 years ago through Mortgage Company Y. About 1 year later our Mortgage was purchased by PennyMac, my current Mortgage provider. When our Mortgage was originally setup we did not have an Escrow account as both our property taxes and home owners insurance is paid by us directly. We do have PMI on our mortgage which both our original Mortgage provider and PennyMac pay from my monthly payment. 

PennyMac assumed they paid my home owners insurance so they cut a check on my behalf in XXXX XXXX. Then once their automated system saw that I had a negative balance, they assumed it was from my Escrow account that we never setup. This problem occurred when the mortgage was transferred to PennyMac, which they admitted and fixed. At no point in during my mortgage have I been late or stopped paying the exact same amount which was established at the beginning of this loan. However because of PennyMac 's error they charged me a late fee since my account showed a negative balance, this late fee causes issues because when their system pays my PMI, the balance continues to be negative. I have called PennyMac three months in a row trying to fix this in which they claim to do, but unfortunately each time I get a mortgage bill the error continues and they increased my mortgage payment, to fix the negative balance. During my last call on XXXX/XXXX/XXXX to XXXX at XXXX ( PST ). I was placed on hold for about XXXX minutes when XXXX said the insurance department was the only department which could fix my problem. I was placed on hold again for another XXXX minutes in which the individual who finally answered said they only deal with property tax and home owner insurance escrows. He looked at my account and said that I do not have an escrow account and that my insurance is good until XXXX. He apologized and said I would have to call customer service back. Funny Customer Service closed at XXXX XXXX, how convenient. I would like PennyMac to put loan amount back to its original amount which was established when I stated this mortgage along with crediting my account for all the late charges they put on it due to their mistake. Please help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services
State: IN

Complaint narrative:
I have a student loan through ACS, and 15 years after graduating - I owe MORE on my student loan than I borrowed. This is due to outrageous percentage rates that will keep me paying until I 'm in the grave. This is loan sharking and needs to be dealt with. I 'm not even treading water with them, I 'm drowning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
The service was provided by XXXX XXXX, and paid in full at location. Now the account was sold or transfer to Gulf Coast Collection Bureau and reported to the credit bureau XXXX as an Open Collection for {$310.00}. Affecting negatively and unfairly my credit history and subsequently my credit score. I called XXXX XXXX at their billing department, and she confirmed the account was paid in full, therefore there is no reason for them to send my account to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I contacted PennyMac mortgage for deed in lieu in XXXX of XXXX. My home in Alabama had been on the market since XXXX of XXXX ( now over 28 months ), I suffered job loss in XXXX of XXXX and moved to Texas for employment in XXXX of XXXX. The home is located in an economically depressed area and I have not been able to sell. 
Before I could be considered for deed in lieu I was told by PennyMac that I first had to apply for modification ( denied in XXXX of XXXX ). I was then told that I had to apply for a short sale before I could be considered for a deed in lieu. Both the deed in lieu and short sale were denied in XXXX of XXXX based upon their XXXX XXXX appraisal. However I continued my attempts to avoid foreclosure by listing the home which failed inspection by a potential buyer in XXXX XXXX which I provided to PennyMac. I subsequently obtained my own appraisal in XXXX XXXX which the PennyMac refused to consider because it was substantially lower than that obtained by PennyMac in XXXX XXXX. After another purchaser presented, PennyMac refused to consider a short sale and finally repeated their appraisal which still is considerably higher than the market will bear. 
I had contacted HUD who suggested that I undergo credit counseling which I did. Both HUD representatives and the XXXX credit counseling agency were concerned regarding my experience with PennyMac and apparently mine is not an isolated incidence. I currently have a buyer ( short sale ) however while PennyMac has finally decided to present my file to HUD, they are not being forthcoming regarding information required from me and although this information has been previously provided, I am concerned that " lack of information/compliance '' will be used as a means to terminate the short sale and proceed with foreclosure which is now scheduled for XXXX XXXX, XXXX. 
I am in disbelief that PennyMac maintains the position that foreclosure is a better financial alternative to a short sale. My credit has been significantly and adversely affected by PennyMac 's commitment to proceeding with foreclosure as the representative has also refused to intervene and place these proceedings on hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: The Leviton Law Firm, Ltd.
State: CA

Complaint narrative:
I asked for documentation to support the debt and received thtreatening phone calls from agent who called herself XXXX XXXX from the Leviton law Firm

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
The seller agents forced me to go with their preferred lender. My preferred lender could n't so this loan as this is a non-gut condo and referred me to XXXX who are portfolio lender. The seller preferred lender is Penny mac and the loan originator pressured me to only go with them. The penny mac originator told me that they have a special deal with XXXX and only then can do the loan for this Condo. How can XXXX encourage monopoly in consumer finance market? The originator from XXXX tried his best but could n't do the loan as he was either not given or given incomplete incorrect documentation from the seller agents. Finally the seller agent told me that if i go with penny mac then i do n't need to pay any fine even though i was past the due date but the same option will not be given for my preferred lender. In the end even though my preferred lender gave me a 3.75 apr i am forced to go with penny mac for 5 % apr.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: OH

Complaint narrative:
This collection does not belong to me, some one else used.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation