vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I received a call from American Accounts and Adviosrs from phone number XXXX on XXXX/XXXX/2016. The man/woman i spoke to asked to speak to my first and last name, i acknowledged that was me, they preceded to state the bill I owed and asked if I had means ro pay it today. I said no, my husband was in a XXXX and we have many bills. They then made what I considered a very rude comment, so nobody is getting paid? That is not what I said, they got irritated when I questioned their demeanor. I then stayed I work in XXXX and they should verify more than my name and should state the mini Miranda. The person I spoke to was rude and accusing, I was not dealing with them and advised I would be reporting them and ended the call. I always pay my bills, it may not be timely for some but I always make good on my accounts and do n't appreciate someone teying to down grade me. Even if I had the money today, I would not have paid that person ( not even sure if the disclosed their name ). Unfortunately these are the people that give XXXX a bad name, working XXXX for the last 12 years of my career find it very rude.

Company response to consumer: Closed
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
XX/XX/2016 I inadvertently had my online bill pay system with XXXX XXXX make two mortgage payments. As soon as I discovered the mistake on my part I contacted my bank about it. They immediately contacted your company and got nothing but being put off and frustrated by incompetent employees without a clue of what they were doing. 

It is not three and a half months since we have requested the return of the overpayment and to date your company has absolutely refused to do the right thing. 

We have been told more than once that a manger had approved the return of the duplicte payment and yet your company has steadfastly refused to mail a check to me. Why is that? 

I respectfully demand an immediate return of the duplicated payment. 



XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # # 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 2015-07-18 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
I had my identity stolen. I had fraud alerts put on my credit with the XXXX credit bureaus. Blue Chip financial was going to approve a fraudulent loan, ignoring the fraud alerts. I found out through XXXX about the new loan and contacted Blue Chip to have it closed and have it erased from my credit report which is not happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: TN

Complaint narrative:
I was charged 30 % interest for a car loan. The car value was XXXX. I will pay XXXX for the car in total. I was never told I could lower the interest rate and the payments have been extended by 8 months. I would like to finish paying for the car now. they have gotten more money then the car XXXX is worth. This is unfair predatory lending. This is unfair consumer practices

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 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Midwest Recovery Systems
State: MA

Complaint narrative:
I have a XXXX charge in collections on my credit report that is not mine. I have tried to call the company several times and get a voice mail were I have let numerous messages with no response. I would like this removed from my credit report which is affecting my score. I have never gotten any bills or documentation of this charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: ACS Education Services
State: FL

Complaint narrative:
Sent do not contact letter based on templates provided by CFPB in XXXX 2016. Received further written attempts to collect debt as of XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Capital Management Services, LP
State: NM

Complaint narrative:
Capital Management is calling my cell phone and leaving messages directed to me specifically however they are looking someone else and They give a reference # and phone # to call back. I think it 's really weird and creepy how they got my name and cell phone number. Furthermore they are attempting to collect a debt on someone else but yet are trying to get information out of me as to where this other person is. They are pushy, negative, and advise they will keep calling. Also in the message they said it 's about a light and do n't identify themselves and their initial purpose until I call them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: LAND HOME FINANCIAL SERVICES
State: CA

Complaint narrative:
On XXXX/XXXX/2015 I refinance and paid-off my mortgage with LandHome Financial. My escrows impounds in amount of {$2500.00} has not been refunded to me. I called LandHome serveral times the past few weeks and was informed the was mailed, but no specifics were given. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Basically, I have been misled by PennyMac Mortgage ( PMac ) Co. as they told me I qualified for Shortsale process at least 2 yrs ago ( which I have email proof ) but all the while, they were trying to get me to refinance the loan knowing that I did not want to refinance. PMac eventually offered me a " trial '' modification loan knowing I did not want the loan or could afford it. All XXXX buyers have walked away and now pennymac has said the house is slated for foreclosure sale in XXXX XXXX, XXXX. 
SEE EMAIL excerpt sent to PMac from me below in parenthesis. 
( I started this process back in XXXX XXXX. I have provided similar information to your company several times with timeliness and expedience on my part. I have over XXXX separate emails where I have sent this type of information to XXXX different Pennymac associates all regarding loan modification to approve for short-sale. I have had XXXX buyers walk away from the sales-contract due to Pennymac 's long processing time and inability to move forward. Both buyers would have gladly re-countered offers if time was of the essence but your company has not shown that it is. The latest buyer put a contract on the house in XXXX XXXX that met all the terms that Pennymac initially requested. Pennymac has waited 4 months to counter offer the closing percentage for this current Buyer. It is now XXXX XXXX, XXXX and Pennymac has not only changed the amounts to accept for contract sale but now is asking for more of the same documentation I provided literally years earlier. Pennymac has been unreasonable in its request and has not acted with sincerity in trying to accomplish the Short-sale. ) MY REQUEST TO CFPB : 1 ) Stop foreclosure proceedings 2 ) Convince Pennymac and FHA to agree to original terms pre-foreclosure for shortsale or, 3 ) Convince Pennymac and FHA ( investor ) to agree in accepting Deed in lieu 4 ) Have Pennymac write a letter to credit bureaus stating that missed payments were due to pro-longed short sale process and credit rating should not be adversely affected. 5 ) Provide support documentation on my behalf if lawyer and I pursue law suit. 
I can provide supporting documentation at your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
They are trying to collect a balance on an account that was canceled, but the company continued to bill me. Once the company was contacted regarding this they refused to reversed the charges and referred the case to a collections agency, who has submitted negative remarks on my credit report. Every single other account I have is paid in full and I have no problems paying my debts, but this was not an authorized charge that they are trying to collect and this damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Capital Management Services, LP
State: CA

Complaint narrative:
I sent a letter dated XXXX XXXX, 2015 to the most recent purchaser of the account, XXXX XXXX XXXX, to verify the debt and to cease and desist any phone calls to my personal or business lines. I revived email confirmation that my letter was received. I received a letter from Capital Management XXXX that they had received my request for debt verification for the account owned by XXXX XXXX XXXX, the letter included my request for no calls to my phone. It would be prudent to mention that I have since sent Capital Management XXXX XXXX other letters dated XXXX XXXX, 2015 and XXXX XXXX, 2015. 

I was informed my father received a call from a collections company looking for me on XXXX XXXX, 2015 but he could not verify the caller. He has since been informed to get the name of any collector that calls for me. However, I suspect it to be Capital Management XXXX. 

I received a call on XXXX XXXX, 2015 from XXXX. They identified themselves as Capital Management 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 2015-08-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: DriveTime
State: SC

Complaint narrative:
On XXXX/XXXX/2015 I purchased a vehicle from drivetime. I did not have a lot of credit of which there was an old XXXX bill in my credit report that was not paid due to a divorce. There was also hospital bills that I had been paying on. I did supply them with XXXX rental companies that I had rented from and never paid a late charge. At that time I needed a vehicle and I feel as if they took advantage of me. After time to reflect on the transaction the following is a huge concern. 
1- Car is only worth {$5000.00} in good condition and they sold it to me for {$9900.00}. That is in excess or 75 % increase. 
2- I did not understand that my payments would be bi-weekly. Most places you pay once per month. 
3- Drivetime added an additional {$3900.00} into my loan for other items -Drivetime powertrain protection plan @ {$2800.00} - XXXX XXXX @ {$590.00} - XXXX XXXX XXXX XXXX XXXX I was never taken through my contract line by line. I was told what the paper was, and a brief explanation, then told to sign. 
While they did explain to me what these were, I was never told they were optional. I felt as if I had to obtain to make the deal. 
The interest rate is 27.90 % which is way too high. At this rate I will have paid back {$25.00}, XXXX for a car that is only valued at $ XXXXAbove are the major items that I feel was not right. In addition I also see that due to my need of obtaining a car and being a first time buyer, they took advantage of me and charged me a ridiculous interest rate. If they would have called my previous rental companies, they would have seen a good track record. 
Because I did not have a good experience with this company and after a much thought it is more than evident I was taken advantage of. I will be returning this car to drivetime by the end of this week. I will have paid XXXX bi-weekly payments, on time, not due again until XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP
State: CA

Complaint narrative:
I received a letter over the mail from a debt collector stating I owe {$900.00} I do n't know where this amount is coming from so I would like to dispute it I 'm enclosing my debt dispute letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: NY

Complaint narrative:
ACS, a student loan lender failed to acknowledge my in school deferment and sent XXXX of my loans to collection, which put them in default. I only found out about it after applying for financial aid for the upcoming year. The FAFSA website told me to call XXXX. I called and spoke to XXXX to try to resolve the situation. XXXX told me that they are getting ready to garnish my wages. I told them that my family and I would not be able to live if they did that. I also told them that I 'm supposed to be on in school deferment, they should have never gotten the loans. At first, XXXX told me to fax them my taxes to do a voluntary repayment plan that I could afford. Than XXXX told me I needed to call ACS and tell them to do a repurchase because I was in school. I called ACS, and was told, " NO '' they were not going to do that. They did n't even want to help me. I think the representative said one sentence to me the whole time I was on the phone with her. I called XXXX and told them they would not do it and that they were not helpful at all. XXXX than told me to file an appeal and send documentation from my school showing that I was in school. I was told I would hear something within 30 days. I filed the appeal electronically through email that was given to me by a XXXX representative ( XXXX ). It has only been approximately 2 weeks since I filed the appeal. I have since then, received notification from my employer that they are garnishing my wages for this. What happened to the appeal? This is absolutely unacceptable. Why was I not able to defend myself at that hearing? What about the rights for the students? And, where is the guidance and assistance for students. I have a half a dozen other lenders that all have me on in school deferment. Everyone seems to be just passing the buck. This is outrageous. I ca n't even begin to tell you the undue hardship that my family is enduring because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: NM

Complaint narrative:
I bank with Rushcard prepaid services and on Monday they went through a system update which left me with not being able to use my car for XXXX - XXXX hours while the update was taking place now the update is over and I still can not access my account I can not get in contact with anybody and customer service all my money is in my bank account I can transfer funds I ca n't deduct my money from the atm I 'm not able to do anything my direct deposit goes in tomorrow which is XXXX XXXX I need to pay my car payment and I need gas I need food on the table

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX and i have a story about how Rushcard has affected. I have been with Rushcard since XX/XX/XXXX and for the most part i really like using the card for my checks to be direct deposited. Monday 's system glitch has really put me in a bind. First off i should have been paid Friday XX/XX/XXXX but my money still has not been available to me to this day XX/XX/XXXX. My car insurance was due this Saturday and since then it has been cancelled. I dont have any money for food or money to put gas in my car. My car payment is due in a couple days and i can not be late because i just got this car. If i do n't pay my car will be shut off and i will not be able to drive it until the note is paid. The glitch also somehow cancelled XXXX my debit cards and i have been charged XXXX dollars for replacement card to be shipped to me XXXX and i still have not received them. I have contacted customer Service several times and most of the time i was hung up on after waiting up to 3 hours on hold for a rep. When i was able to get threw some of the reps where very short and rude saying that they too have Rushcard and have not been paid either. Im a full grown man and this thing has brought me to tears. Something has to be done. I have reached out to Rushcard facebook and being told to send a inbox message which i have done and i have got no response from anybody. I have over XXXX dollars on my account and i cant even buy myself a bottle of water. Im hurt beyound hurt and im at my breaking point. I need my money XXXX XXXX and i need it now. Rushcard should be sued and shut done this ia totally unacceptable. Please help action news run my story maybe it will put some fire XXXX to make them give me my money. I will never use Rushcard again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: CT

Complaint narrative:
They were very rude and hung up the phone on me. I have an alleged debt of {$260.00} ( XXXX ) and they were not doing all they could to help me resolve what was going on. They would not wait for me to transfer my insurance company representative ( XXXX ) into the call. They had hung up on me multiple times. This was done on XX/XX/XXXX/17 at around XXXX. The supervisor XXXX was getting loud and very unpleasant as she got ruder because she did not want to call my insurance supervisors direct line.

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 — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I am a homeowner of 25 years here in XXXX XXXX, XXXX XXXX, Georgia. I am a XXXX senior citizen and have a XXXX veteran as a tenant in my home. My loan was XXXX and later with Ditech as of XXXX XXXX. I had a HARP modification originally and after financial difficulties due to XXXX and additional medication, I have tried to receive another modification with my servicing lender which was Green Tree and later Ditech. I have been denied every modification from Ditech which forced me to seek other modification companies for assistance including filing bankruptcy in order to remain in my home. In XXXX, 2016 I received a new modification payment schedule from Ditech which forced me to seek other modification companies for assistance including filing bankruptcy in order to remain in my home. In XXXX, XXXX I received a new modification payment schedule from Ditech giving me a new account and payment plan to become effective XXXX 2016. Keep in mind, I had no idea they were placing my loan in a modification status until I received this information. In XXXX 2016, I mailed in XXXX, XXXX, and XXXX payment in the amount of {$950.00} for each month and they accepted all XXXX payments. XX/XX/XXXX, I received a foreclosure letter - to foreclose on my property, effective XXXX XXXX, 2016, this notice came from their attorney ( XXXX ) representing Ditech. After numerous calls to XXXX and Ditech, no one ever returned my calls nor was I able to speak with any representative until the middle of XXXX 2016. I was then told by the attorney that represents XXXX, XXXX XXXX, ATTY, " they should have never accepted my payments. '' She instructed me to call Ditech directly. I called Ditech and was transferred to the bankruptcy department. XXXX of the bankruptcy department of Ditech indicated he would send me a new modification application and said I should receive it within 10 business days. To this date, I have yet to receive the modification application from Ditech. At that time, I asked for an audit of my loan. After the 10 days expired, I contacted XXXX XXXX and Making Home Affordable for assistance with helping me to apply for a new modification. I submitted a new application with the assistance from XXXX XXXX on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a letter from Ditech that my modification was denied because my property has been foreclosed and I was no longer the owner. 

I have enclosed all recent documents from XXXX and Ditech and bank verification of my payment. Also my dated the modification application submitted by XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
Funds being withheld have direct deposit have n't been able to get funds in a week and I have bills to pay and a daughter to feed..have rx need filing and with no money due to this issue.

Company response to consumer: Closed with monetary relief