vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Re : Kohls Dept. Store. I made a small purchase of {$100.00} on a Kohls credit card. I paid off the balance on the first XXXX bills received, but the payments were late -- I believe that the bills came late. 

Kohls has been piling on exorbitant late fees since then, now well over {$100.00}, and further : they have been calling me **at XXXX literally every Saturday** for a couple of months, and now on Sundays as well, even though I 've told them on the phone to stop. This is harassment and a grossly excessive tactic, given the small amount in dispute. These are " live '' calls -- I also get XXXX calls daily on weekdays which I believe are robocalls. 

I charged {$100.00} at their store -- it does n't entitle them to ruin my sleep indefinitely. I will be sending them a letter asking them to stop the calls, but the very fact that they do this deserves notice and a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ECMC GROUP, INC.
State: UT

Complaint narrative:
XXXX XXXX purchased My Student Loans from ECMC Just before these loans were purchased by XXXX, ECMC charged me {$3200.00} in what they were referring to as " Collection Costs '' ECMC stated previously that if I brought these loans out of Default these collection costs would be dropped or lowered down to 6.7 % but this never happened These collection costs were then passed on to XXXX in what was just referred as " Unpaid Principal Balance ''

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 2015-04-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I had a mortgage with XXXX when I bought my house in XXXX in XXXX my husband went XXXX XXXX XXXX a couple years later the loan was sold to XXXX XXXX XXXX in XXXX we got orders to XXXX to XXXX at that time I had called XXXX to start a deed in lieu we had to leave in XXXX from XXXX to XXXX we lived in XXXX I called XXXX everyday to try and get this deed in lieu done it always came back that they never got the fax or it was lost this went on until XXXX when we went to see a lawyer he called XXXX then things started to get going they got right back to us that day we had to pay off a sewer lien we got that done XXXX put a lock box on the house they had an appraisal done then I get a call the loan is sold to Green Tree Servicing I called them as soon as the loan was transferred to them I was told by XXXX that the deed in lieu papers would be sent to green tree that was not true I had to r refax the paper work again I did that then I was told by green tree they did not get it I refaxed it again now green tree will not even work with us because XXXX has a lock box on the house so green tree can not get into the house they said they can not do a deed in lieu I called XXXX to find out how to tell the people at green tree how to get into the XXXX as it stands right now XXXX or Green tree will not help us. 
We have not been in the house since XXXX we can not get any help from either company and just to add one more thing green tree said the house should have been listed for sale in order to do a deed in lieu when I asked them why they said that I was told that is how XXXX works the deed in lieu process I told green tree that XXXX is the one I was working the deed in lieu with so how could it be different rules they had no answer. we are a military family that had orders to XXXX in XXXX we bought the house in XXXX before my husband went back in the military as XXXX XXXX in XXXX. We need help I ca n't get a straight answer from XXXX or green tree I do have all paper work that was sent to XXXX and green tree I have all names of the people from XXXX and green tree that we have worked with we are now living in XXXX we moved her in XXXX XXXX we will never be able to go back to XXXX because of the military.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I do not have unpaid debts. I continue to receive calls from First Point Debt Collection stating they are a debt collector that needs to get in touch with me. The phone number I receive calls from is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Green Tree Servicing LLCXXXX XXXX XXXX XXXX, XXXXXX/XX/2015XXXX XXXX XXXX XXXX XXXX, XXXX XXXXRe Acct. XXXXTo whom it may concern, By law a mortgage company is required to send monthly statements to its customers. I have not received a statement from your company since XXXX of 2015. I have filed no bankruptcy, nor have I changed addresses. I have called two different times requesting statements to be sent out and all I receive is hostile treatment by your people. I continue to receive all other forms of communications from your company, so please, immediately send me a billing statement so I can bring my account current. 


Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
This is too complaint case # XXXX.I XXXX XXXX placed a complaint with you in regards to the closing escrow surplus from selling my house on XX/XX/XXXX. The amount I have due to me is {$2700.00}. I received a letter the Ditech Financial LLC. dated XX/XX/XXXX. They stated that they did transfer my funds but they have not. The money is not in my bank account. 
As to the reference in the letter from Ditech Financial, LLC about them sending out a check to me on XX/XX/XXXX to the address XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I gave them my new address before they said they mailed this check out. Also if this check went out to this address I would have gotten it because this is my sister 's address. Ihave checked my on line banking account and they have not transferred my money. Now this is after Imade the complaint. I 'm still waiting for them to pay me.I have not been paid {$2700.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
Penny Mac is a servicer to XXXX XXXX 's customers. This will never happen. XXXX XXXX XXXX prepared my Home Modification, not PM. This PM business is to offer a quality service and this will never happen. This Home Mod was about XX/XX/XXXX or XX/XX/XXXX. Since PM became a servicer of my loan, which is to be forwarded to XXXX XXXX, XXXX has been my total nightmare. They are all snakes in the bushes, when they smile, they rattle. The criminal acts that have been against me has escalated out of control. Firstly, they found out about my age, threaten to foreclose, stolen my social security check, ( they transferred my money back with a fight and the name of that woman is XXXX ), racketeering, false pretenses, violations of laws, my civil rights, personal property, forgery, demanding I walk away, per XXXX XXXX and PM. Then, PM contacted the IRS, without my permission, on an enquiry, if I owed any taxes and of course, it was negative. Another evil act. Comes again a letter from last week, indicating that my XXXX anniversary is coming up and I will be receiving {$5000.00} off the balance of my loan and this was another oversight. Another lie. Today, in the mail, I receive a stupid document outlining that they are investigating my complaints and will be in contact in a month. I have received these same stupid documents and what follows is a, " Dear XXXX '', without prejudice, in other words. They are failures and always will be. There are so many lawsuits against them, it is sickening. This alleged business needs to be prosecuted to the fullest, license revoked and doors closed permanently. Their business practices and employees are the worst of the worst. Again, I want my {$5.00}, per month, times 24 months, which was for a certified return receipt that I had to pay to submit my payment every month, which is unlawful. I had been in contact with various businesses and this was unacceptable. Never an apology, sympathy, gratitude, respected, etc. I detest PM, who have destroyed my life. 
XX/XX/XXXX, I had requested the balance of my loan and it was around {$38000.00} and now it is about close to {$40000.00}. There is another fraud and more criminal offenses. 
I want CFPB to publish this all over the web. I want the viewers to read how bad they are and what acts that occur against the innocent. I want my justice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
Ditech made several mistakes with my account in the month of XXXX, including taking an extra payment. I asked for a refund of that extra payment and Ditech negated my XXXX 2016 payment to issue my refund INSTEAD of reversing the extra " principle payment. '' As it stands now, my account is in default, but showing an unwanted principle payment. Because of its default status, Ditech collections department harrasses me by calling XXXX to 4 times a day, INCLUDING THE WEEKEND! I have asked repeatedly to have the account corrected ASAP, but all I get is rhetoric that it will be done soon, but it never gets done.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
XXXX sold my loan to penny mac back in XXXX 2015 the loan was almost 2 half yrs old there now saying that I owe them 2 months of escrow, have not have had any increase in tax or insurance when i originated the loan I paid 2monthes up front so why are they asking for more money in escrow. there reply has been u need to talk to XXXX,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: BlueChip Financial
State: MI

Complaint narrative:
The debt I owe through XXXX XXXX XXXX has not only contacted me after I asked them not to, but they have also called my employer and have harassed anyone that has ties to me.

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 2016-12-09 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
I contacting Midwest Collection. They said I owe {$670.00} ... I asked them to produce original paperwork from this debt. The bill collector said he was working on paperwork. He said it was a payday loan for $ XXXX from 2012. He has reported it to the credit bureau but I never received information who the original debtor..Now he says If I pay Immediately {$250.00} .it will settle the debt. My suspension is that this bill was sold off several times and no one has the original paperwork. I thought it was my right under Fair Debt Reporting Act that I am entitled to see this. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Brennan & Clark, Ltd., LLC
State: NY

Complaint narrative:
i was contacted threatened with legal action if I did not pay was told that a court date was set and that they would be suing me I was told if I did not pay I could be arrested I was not verified no attempte to collect a debt and now they are refusing to up date on my credit report or provide me a letter I am contacting my attorney to file legal action on this company and will be contacting the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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:
Debt is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 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: SC

Complaint narrative:
they call and send letters for a {$720.00} balance on something that i have never had -????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: DriveTime
State: FL

Complaint narrative:
On XXXX XXXX XXXX, I went to drivetime.com and applied for financing, which they said I was approved for. When I went in the dealership, the manager told me that I was n't qualified for what the website said I was and if I wanted that vehicle I would have to put almost XXXX down. So they had me try their no hassle lease program. I put down close to XXXX for this program and they gave me a XXXX ford fusion. At first glance the car was great, after test driving it you car hear something was wrong with the tires. When I brought it to the salesman attention he said the previous owner drove it hard. I asked for a car fax and he printed some report that showed the car had been in a XXXX accident but he insured that all repairs and inspection had been done. I took possession of the car with what I thought was a safe vehicle. Almost two weeks later the car stopped running. I had to have the car towed because the warranty did n't cover it. Got to the mechanics and they had to keep the car for 5 days, they said the car needed new wheel barrings, tire rods and an alternator. After that was fixed the car bike down again and had o slow drive it to an approved mechanic that held it for three days and it was the ac unit. Because this was after 30 days they tried to make me pay for this. All these problems should have been found in their inspection of the car before selling it. I had to end up returning the car and putting XXXX down on another vehicle at another dealership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 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:
My complaint ( s ) :1. ) ACS has refused to answer the questions below. The questions are in response to XXXX XXXX XXXX statement to CFPB complaint # XXXX. Her response contradicts how delinquent items are to be reported under the FCRA. 
My questions : -Reporting the date of last delinquency ; does it start from the date the account first went into non payment status ( i.e. payments were to begin XXXX but a forbearance is added on XXXX account is 2 months delinquent ; does the date of first delinquency begin on the month after the first payment was due PRIOR to forbearance or does it begin at the end of the forbearance ... no payment was ever made before or after )? Considering no payments were made ; does a forbearance negate the original date of delinquency and cause it to start after the forbearance? 

2. ) ACS did not address why it is reported differently on the XXXX credit agencies. ACS stated this account is not being reported on XXXX. It is ... see below. 
XXXX : ACS/XXXX / XXXX. 
XXXX : XXXX / C/O ACS. 
XXXX : ACS/XXXX. 

3. ) ACS 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 2016-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
Penny mac mortgage is deliberately holding onto an insurance draft check for XXXX + even after 3 weeks ago their own inspector inspected the work, certified it was complete, and sent that info to the lender. I have already incurred the cost of my own repairs and would like my money back. when i call they keep giving me the run around about timelines and such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
I am still waiting for PennyMac to release insurance funds meant to pay for a repaired roof. 
The XXXX tree that snapped and fell on my house in XXXX has been removed, the roof repaired, inspected, and all requested documents have been received, yet PennyMac refuses to say when I can expect to receive the check. Their representatives reveal new and unexpected delays every time I call, always adding that I can expect further delays if something unforeseen arises. Tomorrow will be XXXX XXXX, and PennyMac expresses no regret that I and my family have been severely inconvenienced by what appears to be a deliberate strategy to earn as much interest on the funds as possible. Numerous allegations of loss draft fraud by PennyMac can be found online. All contain similar stories, and advise customers to reach out to agencies such as this, and the state attorney general 's office as the only reliable way to encourage PennyMac to uphold its obligation, and not exacerbate catastrophes simply to make a few a dollars at their customers ' expense. When I asked if there is anyway to expedite this process, their representative told me that my case would " have to wait just like all the others. '' I should add that my mortgage payments have never been late, and that I had no reason to anticipate such blatant disregard for my time and situation. Travel plans have had to be postponed due to these unjustified delays, and I am deeply XXXX to pay the contractor whose urgent work was done in a timely manner. How many more months will it take for PennyMac to release the funds? How long can they legally postpone payment by claiming their various internal procedures must first be met, like XXXX to 5 days for each of several stages, like requesting the check, receiving it, sending it, and XXXX delivering it? I do n't believe these delays are legitimate, but merely designed to take advantage of their customers during a time when cooperation from their lender is most needed. It is a shameful and demeaning way to operate a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
Received a call from XXXX XXXX from Hillcrest Davidson advised of debt. Refused to provide written statement of debt stating that they have no obligation to send information he advised that we had to request information and could only receive communication by email. Refused good faith payment and stated that debt was incured by communal law. However debt was incured before marriage and is not able to be carried over. Was threatened that he would ruin my credit if not payed immediately and had access to entirety of my credit report. Stated that he would go after my wife next. Stated several times that I had no consumer rights. And that he would continue harassing me until the debt was payed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LAND HOME FINANCIAL SERVICES
State: OK

Complaint narrative:
On XXXX I contacted Landhome Finance in XXXX, Ca and spoke with XXXX in customer relations. She advised my loan in XXXX # XXXX was pooled and sold along with being FHA insured # XXXX. The attached XXXX XXXX document shows XXXX XXXX XXXX as the Servicer and XXXX XXXX XXXX XXXX as the investor. XXXX XXXX XXXX trades under XXXX see the SEC XXXX database starting XXXX. This means you disolved my " NOTE '' into a securitized special pooling vehicle ( security instrument ). Landhome Financial breached my contract before I ever made my first payment and opened the door for a completely fraudulent process of my note and deed seperating them. Not to mention in XXXX I advised XXXX XXXX from Landhome Financial 's office by email under no circumstances would I do a mortgage with XXXX XXXX XXXX for they had already deceived me in years prior. Landhome Financial 's negligence along with several other entities allowed the fraudulent stealing of my home, my personal property inside and locked my animals inside XXXX them. Landhome Financial knew all along the devestation and fraud they caused me when they set me up on XXXX. The Truth in Lending laws tells me I had the right to know who my lender was and Landhome Financial took that away. In XXXX when I sent my complaint to the Consumer Protection Bureau Case number : XXXX you deceived them and myself continuing my homelessness with no compensation for the negligence and suffering you have brought onto my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: BlueChip Financial
State: NJ

Complaint narrative:
The person who identifies herself as XXXX calls every day and tells my boss that I " do n't pay my bills and that I am paying 390 % interest ''. I got on the phone and said I have asked over and over not to be called at my employer b/c its not allowed and she said " then pay your bills. Until then I will call you every day. ''

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