vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
PennyMac Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2017 XXXX : Loan # XXXX / Property Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Dear PennyMac Mortgage Servicer : I am writing to request clarification concerning the recent XX/XX/2017 Billing statement which includes " Foreclosure Fees '' totaling {$1000.00} which were added to my XX/XX/2017 payment coupon. 

In previous negotiations over numerous phone calls and correspondence, I was told in writing and verbally through your collection agents that there would be no Foreclosure fees, and in support of that fact I had requested a payment reinstatement letter showing what the final costs to reinstate my loan would be. ( See enclosed letter from PennyMac dated XX/XX/2017 ) After receiving this letter and getting a Monthly Mortgage Statement for XX/XX/2017 which stated that the " Total '' funds required to bring the loan back into compliance would be {$9600.00} which is the exact amount that was over nighted by certified funds to satisfy the demand for payment and was to include all late charges. 

I believe I was deceived through verbal and written communication as to what was owed to pay back the past due amounts. I am protesting the amount of {$1000.00} which was added to my XX/XX/2017 payment coupon. 

I am demanding that a full written communication be sent to me no later than XX/XX/2017, concerning the reason why I was told verbally over the phone on XXXX separate occasions ( Review your phone records as proof ) that no other fees would be assessed. And that as referenced on Loan Notice letter dated XX/XX/2017 : See Page XXXX of XXXX, ACTION REQUIRED, ABOUT YOUR REINSTATEMENT OPTIONS : Option 1, ( Enclosed ) That the full amount due would be {$9600.00} ( Page XXXX of XXXX ) and did not include or reference " Foreclosure Costs '' latter requested totaling {$1000.00} Please see that an investigation is immediately commenced concerning these added charges that I do not believe that I owe. Please be advised that mortgage payments for XX/XX/2017 will not include the added {$1000.00} which I am disputing, and a that a formal complaint is being initiated with the Federal Trade Commission. 


Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: BlueChip Financial
State: CA

Complaint narrative:
A rep ( Assistant Director of Operations of the Process and Warrant Division ) from XXXX XXXX XXXX called and left me a voicemail stating that there are allegations of fraud under my name and social security number that they had tried numerous times to talk to me about my loan debt, and that since this has n't been resolved outside of court and if it was n't resolved within 24 hours, that they would send my case back to my county for further processing to be scheduled. He said that if I want to get this resolved out of court I had only until XXXX EST to call him back. At this point, this was the first I had heard from them. If they had called previously, they did n't leave a message.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
Submitted a completed package to PENNYMAC for a loan modification including a letter of authorization on XXXX/XXXX/15 at XXXX EST. The Letter of Authorization was included as part of their Standard modification package and was also sent separately as a unique, one-page document. As of XXXX XXXX, the authorization had still not been uploaded or cleared by PennyMac 's legal department. I phoned PennyMac that day and they said they woulod escalate the matter, and the issue would be resolved by end of day. Today, XXXX XXXX, again, it still has not been cleared and my client is being denied a trained housing advocate. It should not take more than 48 hours. It has been over one week and there is no good reason for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services
State: WA

Complaint narrative:
I attended a XXXX school called XXXX XXXX XXXX. I finished in XXXX of XXXX and the school closed it 's doors and revoked any availability of support promised at the time I signed my school contract. They took 3 months to find my externship and I did n't perform any of my skills from school at the externship. I was n't hireable. After spending {$10000.00} and earning a XXXX G.P.A. I could n't pass the XXXX skills test the same month I graduated. I have applied to ACS 's program to eradicate XXXX Colleges student debt, but was refused since I finished the program despite clear language in Section 6 " Terms and Conditions for Loan Discharge Based on School Closure '' of the application that states if withdrawl was XXXX after closure exceptional circumstances related to the closing of the school closing could justify and extension of the 120 day period that include but are not limited to : loss of accreditation, discontinuation of the majority of the schools programs, action by the state to revoke the closed school 's license to operate, or a finding by the government that the closed school violated State or Federal law. My experience at this school falls under all of these included but not limited to examples in the application. They closed due to a law suit that caused them to have their permissions to teach revoked until they re-organized as XXXX. I provided supporting documentation from reputable sites like XXXX and XXXX of the school closures associated with XXXX XXXX XXXX. They state XXXX became XXXX in XXXX. I attended XXXX XXXX XXXX which became XXXX in XXXX of XXXX. I don no know when they actually closed their doors, that is up for speculation. They avoid and do not acknowledge that fact they are denying my request based on institutions that have NOTHING to do with myself or my Federal loans. I was told by XXXX how to complete the application due to my situation. Please see the XXXX page attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: COMMERCE BANK
State: MO

Complaint narrative:
I have a checking account through Commerce Bank. In XX/XX/XXXX, we had to make 2 house payments to prepare for a refinance. I knew there was a chance of an overdraft, but was hoping I would have deposits in time to cover it. I 'm self employed and usually can make deposits every MOnday and Friday. My husband has his paychecks come as direct deposits 2 Fridays a month. So, deposits are continually coming in. Unfortunately we overdrafted. However, I was stunned to find out making a deposit in the drive through XXXX XXXX, 2015 that they were going to start putting a 7 day business day hold on my deposits. This would effect EVERY check we had out as overdraft fees piled up. As of that day fees would total {$460.00}, butthey then returned checks on XXXX XXXX and incurred an extra {$36.00} then XXXX XXXX for {$36.00} and XXXX XXXX for {$36.00} and I 'm assuming today they will return the XXXX debit purchases which will cost me {$36.00} plus XXXX deducts an additional {$25.00}. This is effecting my families ability to purchase things for XXXX. It 's put our family under a HUGE financial strain. The local branch told me they could n't lift the hold so I wrote a letter to Corporate on XXXX XXXX, but got no response which is frustrating. I could understand the " hold '' if deposits we made bounced, but that has NEVER happened! I can NOT change banks because of direct deposits and the hassles of changing other bills. I currently ca n't pay my water, gas or electric bill nor buy food for XXXX. I 'm completely devastated because the money is THERE, but they wo n't allow us to use it. And I 'm frustrated because those checks have already cleared the accounts form the people who wrote them to us. So, Commerce has the money but wo n't let us use it and is acquiring MULTIPLE overdraft fees in the meantime. Plus, I now have to pay fees with companies like our XXXX XXXX car loan check that they returned XXXX XXXX. Money was there to cover it and they charged me overdraft fees TWICE on it and I 'll have a fee with XXXX XXXX as well as a late payment now documented on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-10 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:
I had XXXX on XX/XX/XXXX. After paying over {$2000.00} out of pocket for the different XXXX supplies, etc., I received a bill from the hospital for $ XXXX. I contact XXXX about the bill and found that XXXX denied the claim for 'lack of medical records ' on XX/XX/XXXX. An 'EOB ' was generated on XX/XX/XXXX. The same claim was adjusted for payment on XX/XX/XXXX. Another EOB was generated on XX/XX/XXXX. The same claim was adjusted on XX/XX/XXXX, but there was no change in payment, so no EOB was issued. The claim was again adjusted on XX/XX/XXXX, but again no change in payment so no EOB. The claim was adjusted again on XX/XX/XXXX which reduced the payment XXXX paid from {$2700.00} to {$1900.00}. Even though there was a change in payment, NO EOB was generated. This entire time, XXXX kept advising me to pay my copay of {$45.00}, which I promptly did. XXXX specifically told me not to pay the hospital any other amount. Because of this nightmare, the hospital sent my bill to a collections agency. Not once did XXXX contact me to advise of their mistakes when processing the claim. I only found out about this when I began receiving calls, up to XXXX times a day, from the collection agency. The hospital was tired of waiting for my insurance to straighten out their errors, so they sent the original bill from XX/XX/XXXX to collections. Now, my credit rating has been effected and I am constantly receiving calls and letters for a claim that has been adjusted numerous times. I do n't even know where to start. I have begun the process of filing executive complaints against the insurance company and the hospital for failing to process the adjusted claims. I have also submitted a verification of debt and request for all correspondence in writing letter to the collections agency. I have also initiated complaints through the Consumer Financial Protection Bureau, the Florida State Attorney General, and the local XXXX. This company is ripping off consumers and hoping that people get fed up with the complicated processes and just give up and pay an incorrect bill. Disgusting. I want XXXX to admit their error, contact the hospital to pull back the debt from the collections agency and correct the claim at the hospital so that I can receive a correct bill for my surgery, performed over a year ago, pay the bill and be done with this nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates
State: HI

Complaint narrative:
I do n't know who these people are at Hillcrest Davison, and Associates, and what debt they could possibly be trying to collect. I am all paid up on everything. I have no credit card debt, student loan, mortgage, car payment : NOTHING.There was a dispute with XXXX for an early termination contract, but I settled that months ago through the XXXX ( and have it in writing from them ). XXXX discharged the early termination fee and said so IN WRITING to the XXXX and myself. These XXXX at " XXXX XXXX '', who are a bunch of thugs, have been calling my home #, my cell #, and my MOM '' s phone #. They are harassing me for a debt I do not owe. I am not going to call them back and deal with a bunch of scammers, because that is what they are. I spent literally months dealing with the XXXX at XXXX before we finally got it settled, and now these guys are trying to hassle me? I see their website has been hacked, too! I would NOT have any sort of dealings with these people. They are con artists and scammers.

Company response to consumer: Closed
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BB&T CORPORATION
State: SC

Complaint narrative:
The XXXX XXXX BB & T offer I opened a XXXX account for was 90 days of triple points for new XXXX card accounts. At about 70 days, the triple points stopped being posted to my account. I contacted them and they said that the triple point days begin on the day they internally " approved '' the application in their process. However I did n't received the credit card until 2 weeks later and immediately activated it. No one can possibly use a credit card before they even get it. To base the start date on the day the application is " internally approved '' at BBT means the customer will never be able to get 90 days triple points and is dishonest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: COMMERCE BANK
State: MO

Complaint narrative:
Commerce Bank withdrew funds from my account, caused me to overdraft, all because the check that was written had a similar account number. Similar in the means that it was n't my account and that the bank had an error when dispersing the funds. When I called the company they told me I would not be able to use any funds for XXXX to XXXX hours because they had to submit a formal complaint and go through the process. Even though you have bureaucratic ladders of things you have to go through the company could rectify this in a matter of seconds. It would be as easy as posting the image of the check and discussing why the funds were incorrectly withdrawn. Now I have no money and I am in a real big rut today as my bills are due and I have insufficient funds to pay them. I believe that a company of this size should not have this long of a process for XXXX of their own mistakes. I do n't even have check for XXXX sake and somehow they

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
I can get access to my account or money. It causing me not to have funds to go to work or buy my XXXX child nesseceties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
I have been a XXXX holder for 7 years. Right now I ca n't access my account to pay for medication for my daughter who has a very serious illness. This is so unfair and XXXX should be working to get there customers there money. They can somehow have customers go into any bank to get a cash advance. My daughter also has XXXX. My grandson has a condition where a XXXX. She ca n't get access to her last deposit to get his medications or pay his co pay to see the Dr. XXXX customers need there money ASAP and now it 's impossible to even contact them. Something needs to be done because my daughter and XXXX year old grandson needs that money. Please my family is suffering right now and it seems like no one cares.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX/XX/XX/XXXX, Square Two Financial ( now CACH , LLC ) purchased a debt, which they somehow matched on my name, and in spite of more than a dozen attempts to have them resolve the bad data, they not only continue to report this on my credit, but are now fabricating fictitious dates of service to circumvent fair credit reporting laws. 
The company, in spite of multiple certified letters, numerous phone conversations, and the filing of a police report for identity theft, continues to fabricate false date information, change account numbers, and repost the fake debt on my credit report.

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 2015-10-20 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
I have an account with rush card prepaid, my payroll check goes direct deposit to my rush card, I was suppose to get my money today XXXX/XXXX/15, and come to find out that rush card company has been holding their customers money, due to a glitch in their system that has been ongoing now for 12 days and we are in hardship right now due to this issue. I have been calling their customer service number and they hang up, I am so frustrated, they do n't answer to give us any information on when I am able to get my money, please help me, I am so desperate I have XXXX children, and I have no food and my light is about to be turned off because I cant pay because rush card is holding my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04 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: H. Kent Hollins, Attorney at Law, P.A
State: GA

Complaint narrative:
This judgment was filed in XX/XX/XXXX in XXXX County. I found out that the federal prohibits someone from collecting debt after ten years in the state of XXXX. The business alleged debt refers to XXXX, Doing business as LLC. They are out of business and also in the state of XXXX, which is out of the jurisdiction for them to collect from me without filing in the state of XXXX, where the debt originated and since the debt was not sold they are committing fraud. The collection agency that continues to try to collect the debt is a collection agency, which is in the state of XXXX and is the Attorney at Law P.A. Kent Hollins. They use a bogus account number that claims they have a XXXX County case Number registered through the court. I have contact the court about this issue and they have no Judgment listed under the number that the collection agency is using to collect the debt. They are attempting to continue to collect by a the letter sent by them, to persuade me to sign a form that they continuously keep sending, which states if I have a dispute to sign and request a court hearing. My Bank account has been garnished for the second time now and the first time they release the judgment because they found out through investigation that it was bogus and released funds back into my account. The collection agency came back again raising the amount from {$620.00} to {$740.00} on XX/XX/XXXX and then raised the amount XX/XX/XXXX to {$830.00}. I contacted them after speaking with the bank representative to resolve the issue by asking if I can settle out with them by giving them {$50.00} and they refused that offer and requested for more information and after that conversation I told them I would get an attorney and they told me to do this. Since the bank I bank with is a third party to parties that are trying to collect the debt, they are waiting on me to send them a letter and proof of this debt being fraudulent. I am sending my evidence to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Source Receivables Management LLC
State: OK

Complaint narrative:
This account keeps getting passed to mulitiple collection agency after I dispute the current agency. It gets deleted from my profile the put right back on by some other company. I 've never opened any accounts with anyone. I am requesting that the company provide proof that I opened this account and evidence that it was indeed owned by me. I know I did not open any accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
I used XXXX to load {$110.00} to my Rushcard account on XX/XX/2015. I waited for 2 days and the money never went on my card. So i called XXXX and they said they sent the money to Rushcard. Then i call Rushcard and they said they posted it to my Rushcard account. So i wait a couple of hours to check it and it 's still has not posted to my Rushcard account. I have not been able to get a Rushcard rep on the phone and today is XX/XX/2015. I have a receipt from XXXX showing I sent the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: INVESTORS BANK
State: NJ

Complaint narrative:
This is related to case # XXXX. I have a mortgage with Investors Bank. They made significant errors in servicing the account, including debiting extra unauthorized payments from a linked checking account and incorrectly applying the payments to the wrong amounts of interest/principal repeatedly. After about 9 months of issues and many complaints, they seem to have finally fixed that problem. This is a NEW complaint regarding the same account. In addition to the aforementioned issues, I just ran a credit report and discovered that Investors Bank erroneously reported a late/missed payment on the account in XXXX 2016, even though no payment was ever missed and, in fact, the payments were AUTOMATICALLY debited biweekly from a checking account at the same bank. Furthermore, the bank 's report to the credit bureau contains additional errors, such as the term of the loan ( not 25 months ) and the type of loan ( not an automobile loan ). This continues a pattern of sloppy, incompetent behavior by the bank. Please help us ensure that they fix this problem and do not create any additional ones in the future.

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