vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
A collection account was placed on my credit report for {$740.00}. The debt collector, MIDWEST RECOVERY SYSTEMS, claims I owed money to XXXX. 
This company, XXXX, is no longer in business, according the the BBB. 
Also on XX/XX/2014 XXXX of the State of California issued a Permanent Injunction against this company. This collection needs to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: IL

Complaint narrative:
I was notified by XXXX that a new account was placed in collections. Opened in XX/XX/2016 and placed in collections XX/XX/2016 for {$810.00}. I have not applied for a payday loan nor has any money been deposited into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
recieved call on XXXX/XXXX/16 from MIDWEST RECOVERY SYSTEMS telling me that the local district attorney office had a warrant for my arrest and would be arrested and sent to jail today for a pay day loan check that is 11 years old.of course no one came and was only a scare tactic. the DA told me they dont take payday loan cases by texas law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: BlueChip Financial
State: LA

Complaint narrative:
XXXX/XXXX/16 EFT-SPOTLOAN/8886816811 ( {$96.00} ) in connection to complaint made under Case number : XXXX ]. A requested was made for Spotloan to process full pymt of balance. 
They draft only the minimum again. They used a method for me to believie they will waive the balance due as a good customer. It was a marketing tacit for monthly payments. I requested spotloan via e-mail to draft the full balance to have them stop drafting my account with interest and fees. This process only get them ungodly interest and fees not going towards the loan. The request was not process drafting only the min due. e-mail forward to : From : Help at Spotloan XXXX Sent : Tuesday, XXXX XXXX, 2016 XXXX XXXX " Request to post full balance of due ASAP, stop with the text procrastinating with the text. Process full payment due ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
My elderly mother received a call from XXXX from a man named XXXX XXXX saying that I was going to be arrested if I did not return the call and the case # was XXXX. I called and reached XXXX XXXX. They said that XXXX XXXX was going to subpoena me regarding that docket number due to an unpaid payday loan XX/XX/XXXX with XXXX XXXX. I told them that I paid all debts regarding XXXX and that I knew this was an unlawful fraudulent call. XX/XX/XXXX another company claimed the same thing so I verified with XXXX that they were n't working with XXXX. XXXX XXXX told me that the debt collection company claiming this that they were working on behalf of was called National Credit Adjustors and to call them at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services
State: TX

Complaint narrative:
I graduated from my university and XXXX in the military in XXXX. I should have the 6 % interest rate on my student loan according to the Servicemembers Civil Relief Act ( SCRA ). ACS Education Services has my interest at 6.8 % and told me that they need a copy of my orders to verify that I am in the military. I emailed them a copy of my XXXX XXXX XXXX in XX/XX/XXXX ( showing my XXXX as XXXX XXXX ) as well as my XXXX ( XXXX XXXX, XXXX XXXX ) showing that I will be in the military until XXXX. They rejected both of these documents for " title and authority '' because they wanted the rank and branch spelled out. However, every military document has the rank or branch abbreviated. I asked what specific DA/DD form they accept and they keep saying " military orders. '' I 've given them several different military documents and orders that show my full name, SSN, and service dates yet they keep getting rejected. It is illegal for them to reject official DOD documents and forms. I believe this is their way of scamming the system to prevent service members from getting the lower interest rate. My 6.8 % interest rate needs to be corrected to 6 %, back-dated to XXXX XXXX, and the entire loan amount owed should be corrected based on the 6 % interest instead of the 6.8 % applied over the last six years. They have been overcharging me for the past six years and I should get the amount paid on the 0.8 % refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 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: WA

Complaint narrative:
These people called my cell phone threatening to make me lose my job, sue me, and ruin my life. They never identified themselves beyond NCA. I called back repeatedly to find out who or what they wanted. I was ridiculed, told they would ruin my life and my children 's lives, and then threatened with a harassment suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
Is there a past due balance? 

If so, why? 

Is this account current and in good standing according to PennyMac? 

I see the principal balance did not change from XXXX XXXX XXXX 's XXXX 2015 principal balance from XXXX 's Principal Balance even though XXXX 's payment was posted. 
XXXX 's ( XXXX XXXX XXXX 's XXXX Principal Balance XXXXPennyMacs XXXX Principal Balance : XXXX 2015 yearly escrow need funding? 


2015 Yearly TAX Escrow : {$740.00} a year. {$370.00} X XXXX XXXX XXXX XXXX : {$1200.00} Yearly escrow for home insurance and taxes : $ XXXX so ... .. how much do I pay towards escrow and how do I pay? 

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 2016-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I submitted an automatic payment through bill pay twice on accident. XXXX for XXXX/XXXX/16 amd XXXX/XXXX/16. I also sent the payment to a wrong loan number. I Called pennymac to get refund on XXXX/XXXX/16. They notified me they have received the XXXX/XXXX/16 payment but do not see my XXXX/XXXX/16 payment. I have called them multiple times to get this resolved. The bank confirms pennymac has the funds but pennymac will has not located it and refuses to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: VT

Complaint narrative:
I have a student loan with ACS Education Services from my graduate education. I 've paid my bill on time for years and have my account information stored on their website. In XXXX, I missed a payment due to forgetfulness and once I remembered XXXX attempted to pay both months to get current. On XXXX XXXX, I paid online and went about my business. I received email notifications from ACS ( " payment scheduled '' on XXXX XXXX and " payment received '' on XXXX XXXX ). On XXXX XXXX, ACS sent an additional email saying the payment was rejected due to " unable to locate account. '' This is a bit odd because all my banking information is stored on their website and I have n't changed anything. I checked the account number and everything was accurate. I called ACS helpline and asked for guidance. The customer service rep was polite, but did not have access to the details of my account and thus could n't tell me what was going on or why the payment was rejected. She advised me to pay again. On XXXX XXXX, I logged in and once more scheduled a payment for both XXXX and XXXX. I received email notifications from ACS ( " payment scheduled '' on XXXX XXXX and " payment received '' on XXXX XXXX ). On XXXX XXXX, once again, ACS sent an email noting my payment was rejected due to " unable to locate account. '' Even after the payment was rejected, the website showed the account as paid and for a day or XXXX would not let me schedule a payment. On XXXX XXXX, I called ACS and made a phone payment for XXXX On XXXX XXXX, I logged in to my ACS account online and reentered my banking information -- literally nothing changed, I just re-entered the numbers -- and scheduled a payment. This time it went through, and with the phone payment everything ( for now ) appears to be up to date. However, we 've received a letter from ACS threatening to report me as late and negatively impact my credit score. 

My complaint can be stated more succinctly : their system for payment is immensely confusing, communicates conflicting or incomplete information, and generally seems designed to not work. When the system inevitably breaks down, there seems to be no one available to talk to in order to resolve problems. And as consumers like me scramble to fix something that seems made to be just out of reach, ACS sends letters challenging me for my lapses. I do n't mind being held accountable for paying back my student loans, but I would hope ACS can also be held accountable for its servicing of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: DriveTime
State: FL

Complaint narrative:
I bougth a car from Drivetime on XXXX. Drivetime was reporting to the credit bereaus faithfully until summer of XXXX. The automobile I have from them already have XXXX miles so I decide to trade the car for a better one. I visit Toyota Delearship on XXXX XXXX on XXXX XXXX and when they pull my credit quest what Drivetime stop reporting to the credit bereaus. 
The manager from the delearship told me that unfortunally they can not extend any credit at that time becuase no credit history. I make a report to you ... [ Case number : XXXX ) I was promise by Drivetime that this situation will be resolved, and has not until today. I attach the letter from them. I been paying my car with none 30 days past due what so ever. I deserved from them to report my credit history. The letter has been attach to you guys for further info and action please!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
My mortgage banker was PennyMac Mortgage in XXXX XXXX, XXXX XXXX XXXX and XXXX ( current mortgage ) paid Penny Mac {$150000.00} to a principal balance of {$150000.00}. Penny Mac insisted that a refund check was issued on XXXX XXXX, I got XXXX for {$60.00}, that is all. Other than this I have made extra payments in XX/XX/2014 for XXXX and XXXX payments of {$250.00} in XX/XX/2014 which were never applied to the principal. I have requested several times for a summary of all payments made by me from XX/XX/2013 to XX/XX/2014 and never received this. What kind of a mortgage company is Penny Mac hoarding the money of a poor homeowner who was never late in making payments, biweekly drawn by Penny Mac from my checking account. This was simple mortgage no insurance or taxes included, I pay for these out of pocket.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
Penny Mac was sent a Notice of Error and Request for Postponement of Foreclosure Sale for XXXX XXXX. The Notice of Error advised PennyMac that it had failed to send XXXX XXXX the required Post Foreclosure Referral Notice and had failed to provide XXXX XXXX with a proper loan modification review. The Notice requested postponement of the foreclosure sale to complete said loan modification review. PennyMac is proceeding with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
So on XXXX XXXX 2016, I login in to my XXXX and this debt shows up stating I owed XXXX from XXXX. 1St of all I have never heard of this company. 2Nd I have never received anything about a debt from the original creditor or the 3rd party collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
I recently went on my credit report and saw I have a collection from Midwest Recovery Systems. I called to find out why this has been placed on my credit report to and they said it was from a XXXX XXXX of {$840.00} in XXXX from XXXX XXXX. I have never received or applied for a payday loan and this is fraudulent. I asked for a proof of debt and they would not send. I have never received funds from this company and they need to be removed this from ALL XXXX credit bureaus asap! This is a scam to collect money. XXXX XXXX is no longer in business as well. This is complete Fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My loan was with XXXX and then Green Tree purchased it from them. Ive had a loan mod. through Harp and have been thru bankruptcy. Since my BK Green Tree has harassed me calling me to see when i will be making my payment, even though Ive never been late since they took over. They are ruining my credit by not reporting my payments on my credit report it says derogatory and no payment history. I believe I am a excellent customer and they are a predatory lender with no scruples. I have worked hard to save my house and rebuild my credit but this means nothing to Green Tree Servicing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
My complaint is against Green Tree Mortgage Company, soon to be XXXX XXXX XXXX A few years back, I was unable to secure homeowner 's insurance on my residence because the Homeowners insurance company said that my roof was too old. As a result, Green Tree forced an escrow on my account to pay for Corporate placed insurance on my residence. This year, I was able to have a new roof put on my home, and as a result secure full homeowner 's insurance on my home. I paid for the policy in full. I then called Green Tree and asked them to remove the escrow account since there was no longer a need to have forced Green Tree Corporate Insurance. What would the escrow be paying for if the homeowners policy secured outside of Green Tree was paid in full? Green Tree refuses to cancel the escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: GA

Complaint narrative:
This date was liquidated in 2010 by XXXX, but is being reported by Ditech/Greentree on my XXXX report. They were reporting on XXXX until I complained to the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I have been in contact with Nationstar for about a year working on a loan modification. I submitted all documents requested, yet my documents were never received or expired. In the meantime, they filed for foreclosure against my wife and I. I filed an answer to the complaint promptly. Nationstar is now seeking default against my wife. They seem to be very dishonest and deceptive.

Company response to consumer: Closed
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I am attempting to pay off my mortgage by transferring my escrow balance to my mortgage balance. Calls to customer service result in very extended hold times. I have averaged at least an XXXX on hold with them each time I call. The different departments do n't talk to each other and are obviously not cross trained or even trained at all. I have been trying to pay this loan off for going on XXXX weeks now and no one can even tell me why it has not already happened. One dept transfers you to another instead of trying to fix your problem. Absolute worst customer service ever. Now they are trying to add on late fees and fax fees as well as doing collections calls. And the entire balance of my loan is sitting in escrow waiting to pay the balance off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I had a fraudulent charge on my checking account and the bank will not do anything to reimburse me. Every person that I 've spoke to at the bank has agreed that I am owed the money back to my account. But, they do not know how to do it in their banking system. The amount of the transaction is {$67.00}. and it took place on XX/XX/XXXX. I attached a screen shot of the charge on my online account. Please note that XX/XX/XXXX, XXXX merged with BB & T and they are blaming the problem on the merger.

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 2016-01-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I filed a complaint on SELECT PORTFOLIO, I just received their response, it is dated XXXX XXXX, 2016. I am responding to their answer. What they are stating is not true. They never offered me any of the things they are stating they offered me. 
I had a lawyer trying to get a modification from them and they refused to give it to me. They stole the Equity on my home. 
I worked hard to buy my home and worked to make my payments all of the years that I had been paying on my mortgage. To think that something like this could happen is unreal. From the moment XXXX had my mortgage it has been a downhill spiral. Then XXXX got it and during the transfer of the mortgage every time payments went unreported trying to say I had a late payment which was not true. When I send proof and dispute it they sell my mortgage. Select Portfolio did worst. They filed foreclosure illegally. I just filed CHAPTER XXXX XXXX BANKRUPTCY TO KEEP MY HOME. I DO N'T WANT TO LOOSE MY HOME OVER THIS ILLEGAL SCHEME. THE PAPERWORK THAT SELECT PORTFOLIO SENT ME AS AN ANSWER TO MY COMPLAINT IS ALL LIES. THEY NEVER TRIED TO HELP ME. SOME OF THE PAPERS HAVE DIFFERENT INFORMATION AND ADDITIONAL INFO. 
FROM WHAT I SIGNED. Papers were robo signed as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WI

Complaint narrative:
To Whom It May Concern. 
In XX/XX/XXXX I had XXXX and was out of work for 2 months. I became late on my mortgage payments and behind on my real estate taxes. I tried to keep up, because I want to keep my home. 
In XXXX XXXX, I had to cash out my retirement in order to become current on my mortgage payments through XXXX XXXX. I do not escrow my Real estate taxes, and was unable to pay them in XXXX, 0r XXXX Though I was saving my money to bring them current as well. 
In XXXX XXXX, when we went to pay the Real Estate Taxes at the XXXX County Treasury Office, we were told that the XXXX-XXXX taxes were paid, as well as started adding Impounds for XXXX. 
At the same time Nationstar Mortgage, has added an additional {$640.00} to my monthly mortgage payment, I have tried to make my original mortgage payments, and they are putting them into a suspense account and not applying to my monthly mortgage payments. 
On XXXX XXXX Nationstar refused to take my mortgage payments anymore. They wanted {$3600.00}, for XXXX, to come current. when I tried to make that payment they wanted {$6300.00}, and now it is at {$8900.00}. 
I do n't understand how they can do this to me. 
I have tried repeatedly to correct this and then they go ahead and add something else that I owe, Inspection fees etc.. I want to keep my home. 

Thank You XXXX XXXX. 
XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation