vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ACS Education Services
State: WA

Complaint narrative:
On XX/XX/2016, a woman called my cell phone, and said she was calling from the student loan company ACS, and had information for me.. She asked for my birthday and home address, which I did not give to her, and she would not tell me the purpose of the call until I supplied her with my birthday, XXXX She said I could call ACS to get the information and had a phone number for me, which I did not take. Instead I called ACS myself ( as I do have both private and federal student loans with ACS, https : //www.acs-education.com ), and they told me no one from ACS had tried to contact me, and that they do NOT have my cell phone number ( they only have our landline ). The phone number the person calling used was XXXX, which ( from a XXXX search ) appears to be used regularly for this purpose. I 'm concerned that this person not only knew I had a loan with ACS, but they also had my cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
On XXXX XXXX, Midwest Recovery Systems, LLC reported a balance of {$400.00} owed to " XXXX '' on all XXXX bureaus. Says the original creditor opened the account on XXXX XXXX, 2016. I have no knowledge of this account, and I have never once in my life had anything in the amount of {$400.00}. I have never received written or telephone contact from anyone notifying me of this so-called " debt ''. I have been watching my credit like a hawk as I 'm going to be going into the mortgage application phase within the next month. This reporting of this unverified, fraudulent debt has caused my XXXX to go down over XXXX points. Per the federal rules for debt collection, I must be notified with this debt and given the opportunity to dispute or negotiate this debt with a creditor before it is reported as an unpaid debt. I have NEVER been told of this debt. It needs to be removed from my credit reports immediately, and Midwest Recovery Systems, LLC must be held responsible for reporting false information and not following federal debt collection rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
I 'm getting calls at work about this matter that I think is XXXX years old. I can not perfom my job properly after these calls, they are XXXX me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP
State: WI

Complaint narrative:
We got a voicemail from " Capital Management Services '' phone number XXXX at XXXX this morning XXXX/XXXX/15 asking us to call XXXX. The woman leaving the message said " this is a debt collector. '' Which, I understand, is a violation of FTC debt collection laws. In addition, we have no outstanding debt that would have gone to a debt collector! I would like this scammer stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
In XXXX XXXX, XXXX XXXX XXXX refused care to me as a patient because she felt I owed her money even though I was up to date on payments based on the itemized billable account ( see attached billing ledger from her office manager, XXXX XXXX ). 

Even though it was BEYOND what was due, I paid the {$300.00} bill in full to the penny on XX/XX/XXXX. I have attached copies of the receipt of payment and email confirmation thank yous for full bill payment from XXXX XXXX and XXXX XXXX, the doctor 's office managers. 

In addition to attached copies of the ledger from XX/XX/XXXX, I have attached evidence of yet an additional payment I had made of {$150.00} on XX/XX/XXXX prior to the XX/XX/XXXX {$300.00} payment. The truth is : I paid WELL BEYOND what was due on the account according to the XX/XX/XXXX ledger balance. 

I did not see the doctor in XX/XX/XXXX AT ALL because the doctor still refused services to me after I paid my bill in full on XX/XX/XXXX. After I paid my bill in full on XX/XX/XXXX, she abandoned me as a patient despite the fact that I had a time-sensitive FDA regulated XXXX. It took me four months to receive much needed care and refill the XXXX. I was XXXX by this doctor when she refused patient care to me and yet I have not yet taken any legal action against her for my XXXX ( although I should ). 

TWO YEARS (! ) later, in XX/XX/XXXX, XXXX XXXX XXXX reported a collection of {$42.00} ( {$51.00} with interest ) to my credit bureaus -- over and beyond the final bill which was paid. This is fraudulent billing -- my account was paid in full in XX/XX/XXXX for {$300.00} and I have the receipt along with email confirmation that the bill was paid in full by her office manager. 

I have tried to contact the doctor 's new office manager 17 times to resolve this issue and he continues to hang up on me. I have asked for the doctor to call me back ten times and she has n't returned my calls. I have even tried to connect with the doctor on XXXX to reach her but she has rejected my invitation. I have tried to call the respective collection agency phone number listed as reference for this account on my XXXX credit report, and their number is " out of service. '' XXXX XXXX XXXX is a bad doctor with illegal billing practices. Her team has zero concern for patients or resolving patient billing issues fairly. She fraudulently charges patients and her billing procedures need to be investigated. 

Despite providing documentation about this issue in great detail including receipts, email confirmations, and more to XXXX, they refused to remove the Collection from my account. Both XXXX and XXXX have removed the Collection from my accounts, declaring it to be fraudulent billing. XXXX XXXX XXXX still refuses to take my calls and the phone number of her " collection agency '' is disconnected. 

Please help me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 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: CA

Complaint narrative:
My student loan was originally with Access and ACS purchased this and while I was under deferment. ACS reported me 60 days late on XXXX different occasions. Once XXXX and again XXXX and XXXX late remarks are erroneous and inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Good day. I am making my mortgage payments to PennyMac USA, I still continue to receive letters from PennyMac stating that my mortgage is in default. Each time I call customer service, they repeat that my mortgage is in default and I continue to deny the claims. I have provided all of my payments and have even paid over the amount that I needed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
My mortgaqe servicer, PennyMac, has not paid the property taxes on my home. These taxes are included in my mortgage, and they are now 5 months past due. XXXX XXXX will file a lien on the property. I have spoken to PennyMac on multiple occasions, but they have stull refused to pay the taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC
State: AR

Complaint narrative:
I, XXXX XXXX, act # XXXX, is making a formal dispute of the escrow analysis dated XXXX/XXXX/16. I would like a breakdown of the deficiency amount of ( XXXX ) and the shortage amount of ( XXXX ). 
I am enclosing a copy of the letter from Ditech that stated {$720.00} was paid for my taxes to XXXX XXXX XXXX XXXX XXXX. I am also enclosing a copy of my tax bills dated XXXX/XXXX/16 and XXXX/XXXX/16. 
Please take note of the enclosed My Escrow overview, distribution date XXXX/XXXX/16 for XXXX and XXXX/XXXX/16 Insurance only distribution amount {$720.00}. The same amount Ditech said they paid XXXX XXXX XXXX XXXX. I have my own homeowner 's insurance with XXXX. 
I would also like to have a breakdown of the XXXX XXXX XXXX of {$3100.00}. and the deferred balance of XXXX on my monthly statement that seems to change from month to month. 
Sincerely, XXXX Cc : Consumer Finance Arkansas Attorney General

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: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My loan was modified with XXXX XXXX XXXX and recorded with the county. XXXX XXXX XXXX sold the servicing contract to Green Tree Servicing. They unlawfully added {$3000.00} to my total loan balance under the title : 'Corporate Advance Balance ''. They further did not respect the modification terms that were concluded and signed with XXXX XXXX XXXX. They have since charged lots of unlawful charges in order to acquire that {$3000.00} charge. Now the loan has been transferred to Ditech who is essentially the same company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I have NEVER EVER been late on my mortgage. I set up an automatic bill pay through my online banking and every two weeks they get a payment from me. I alway pay a little over and I am 2 weeks ahead. 

DiTech, the mortgage servicing company, misappropriated my payment a couple of months ago. I have called them on numerous occasions and each time they look into the record, they see what has happened, and tell me that they have to submit the issue to another department to rectify the problem ( place the payment in the appropriate account ). After a while, they begin to tell me how behind the department is and that is why the payment has not been correctly appropriated. However they still assure me that everything is alright. Then the following week I am getting emails and phone calls about the same issue. I am told the computer is automatically generating the calls and letters, but rest assured everything is okay. Finally I spoke with a Supervisor, who tells me that she sees the problem and that the previous advisors had not contacted the right person, she is going to contact the department head and I should not have any more problems. Now, I am concerned because they have started charging me late fees and my statements show I am thousands of dollars behind. 
The final straw was that I am now receiving letters from a collections agency, which greatly concerns me, because that means this is showing up on my stellar credit report. I am livid now, because we work hard to pay our bills on time, we work hard to keep good credit and to have this happen while they are getting my payments every two weeks is appalling. Can someone PLEEEAASE help me straighten out this mess! Please explain my rights or options.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX in XXXX, CA to look at vehicles with the intention of financing through my credit union. It has been my understanding that per the terms of the Patriot Act, auto dealers can require a credit check before test driving a car while it allows them to give someone a rough idea of possible financing options without submitting a formal application for a loan. However, XXXX XXXX went beyond a basic credit check and giving me a rough estimate of what they could offer and applied for a legitimate loan on my behalf without my consent or knowledge merely to try and push a financing sale. They also did not provide copies of such paperwork per the requirements of California Law. I received a letter from Bank of the West days later saying that I had been denied a loan for an amount I also did not know about. Despite the fact Bank of the West is treating this as a legitimate loan application, they refuse to comply with their obligations as creditors to also providing copies of such loan as required in the State of California. This is a case of identity theft perpetrated by XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Our mortgage was sold to GreenTree from XXXX in XXXX, 2013 and from XXXX, 2013 we have had nothing but problems. First they started calling XXXX times daily. When we would return the call and was transferred through several people they talked to both my husband and I like we were ignorant. When our payments are made they are often held. I have something showing on my statement " unapplied funds '' and " Corporate Advance Balance '' and when I inquired about this I was told it was a government charge. We attempted to get a Hamp or Harp modification and was denied for both of those ; however they did modify our mortgage AT THE SAME INTEREST RATE AND EXTENDED FOR 40 YEARS. At this rate we will never get the mortgage paid off. I have misc. charges like Appraisal-inspection fee that I know nothing about. I have also included a breakdown of my payment history and as you will see there are several speedpay charges. If fact even though it shows some paid in cash I have NEVER sent them cash. We were told the only option we had to pay WAS speedpay. I have been in the mortgage/banking division for almost 20 years and I can not make sense of how they are applying any of my payments. I also would like an exact explanation as to why we were denied the HARP modification. My monthly payment including escrows should be {$800.00} but I have never received a statement showing that account. We I call to question anything I can not get a straight answer, am constantly transferred to another person only to be told that I have no idea what I am talking about. I understood the whole modification process was to help struggling homeowners, not treat them like trash. I have reached out all over social media and have not found XXXX person they have modified who is not have issues with them. I would like to make a payment and have it show amount applied to principal, interest and escrow and not all of these other " '' accounts '' they are putting my money in to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 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: AFNI INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has been accusing me of owing this bill for quite some time, I have tried to explain on several occasions that this bill is not mine, that I did not, have not purchased any mobile devices from them at this amount of money. I have consistently DENIED ever having or purchased Anything from them at those cost. I had filed a Identify theft report as to items o my credit report that were not my debt and those were resolve, but that darn at & t are still insisting that I owe this debt. they use to call Every day until I changed the number, I would get bill, the reps. would say to me do n't you want to have good credit, or they would say, what if you decide to buy a house or a car you wont cause your credit will be poor, and some would say you cant just make debt and not pay. but the one rep that told me to prove that I did n't owe the debt was Very disrespectful, and mean for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BTH Management
State: TX

Complaint narrative:
I noticed on my latest credit report a collection account from this company but as of XXXX XXXX I have n't received any communication or verification of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Ditech Financial is trying to charge me fees without any merit. They have, without informing me, changed my account number and caused my bank to send my electronic payment to the wrong ( original ) account number and now are charging me a late fee. There are also payments not showing up in my account with Ditech that my bank says Ditech accepted. I have attached the last XXXX correspondences from Ditech ( dated XX/XX/2016 and XX/XX/2016 ) and you can see the account number change..again, without my knowledge and causing me to incur a late fee even though payment was made on time, as it always is.

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 2016-10-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In the past few months I have discovered many concerning matters regarding my loan. The first issue being that Bank XXXX New York is not the actual holder of my loan nor has the loan ever been assigned to their company with any recorded or certified documents. I went to XXXX XXXX of records and was provided a certification of non-filing, meaning the document was never in fact filed. I even have an email directly from the president of Bank XXXX New York informing me the loan is not owned by them. I researched and was able to pull the assignment document and contacted the person who signed the assignment, XXXX XXXX, I asked him if that was his signature and he proceeded to inform me that he could not tell me if it was or if it was not his signature which raised alarms to me. Since discovering this information, I have contacted Ditech my servicer in attempts to help save my home. I provided all documentation they requested only to be told that I " do not meet the criteria '' for a loan modification with no detailed explanation nor alternatives to avoid foreclosure. I was never provided a single point of contact during that process and was constantly given the run around and treated unfairly. I am now facing an upcoming foreclosure and am unsure who my lender really is at this point and am beginning to become concerned about losing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
I am being charged four hundred percent interest on a partial payment made of XXXX instead of XXXX, the contract allows a partial payment, with a small interest on the last payment. I am being threatened with repossession if l dont pay XXXX interest for the partial payment, by Discount auto, when the contract is with american carmart. All payments made since the partial payment are not going toward the principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
XXXX has continued to include a debt of {$1700.00} by XXXX on my credit report. I check my credit report monthly. XXXX removed the debt on XXXX XXXX, XXXX through the agency DEBT RECOVERY SOLUTIONS. This debt is not mine I did not open the account and XXXX understood that. XXXX is now using the same agency, DEBT RECOVERY SOLUTIONS, however the agency and XXXX has continued to deny my monthly disputes. DEBT RECOVERY SOLUTIONS opened the account XXXX XXXX, XXXX, I disputed the debt XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. On each dispute I included that I did not have any acknowledge of the account nor whom opened the account. When I contacted DEBT RECOVERY SOLUTIONS the representative was rude to me claiming that I knew who opened the account. I asked to speak to the supervisor, she was not available but called me back later that night. When she called she was also rude telling me to contact XXXX. I am contacting the FEDERAL TRADE COMMISSION INSTEAD due to the misrepresentation of XXXX has continued to include a debt of {$1700.00} by XXXX on my credit report. I check my credit report monthly. XXXX removed the debt on XXXX XXXX, XXXX through the agency DEBT RECOVERY SOLUTIONS. This debt is not mine I did not open the account and XXXX understood that. XXXX is now using the same agency, DEBT RECOVERY SOLUTIONS, however the agency and XXXX has continued to deny my monthly disputes. DEBT RECOVERY SOLUTIONS opened the account XXXX XXXX, XXXX, I disputed the debt XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. On each dispute I included that I did not have any acknowledge of the account nor whom opened the account. When I contacted DEBT RECOVERY SOLUTIONS the representative was rude to me claiming that I knew who opened the account. I asked to speak to the supervisor, she was not available but called me back later that night. When she called she was also rude telling me to contact DEBT RECOVERY SOLUTIONS.

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