vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Essential Retrieval Group
State: NV

Complaint narrative:
This is a collection agency that calls the numbers of family members and friends XXXX though my phone number has been the same since XX/XX/XXXX XXXX threatening legal action for a payday loan that was included on a Chapter XXXX bankruptcy in the State of Nevada, and discharged on XX/XX/XXXX. The original creditor is XXXX, but their XXXX was different - can not recall. Once contact has been made on my part giving the bankruptcy information, the old debt is then sold to another company. I suspect that it 's the same company each time, but that they provide a different name. The calls start every XXXX to 4 months. Please assist in putting a stop to this. The debt was included and discharged in my Chapter XXXX bankruptcy. The creditor is aware and was notified back in XX/XX/XXXX. They are completely disregarding this fact. Also, I suspect it is the same company because they always ask for my name in reversed order. " XXXX XXXX '', instead of " XXXX XXXX ''. My attorney 's office provided me with the XXXX 's XXXX link to file this complaint. Their office suspects that these collection companies purchased information from my bankruptcy and are illegally trying to collect on their own behalf, using methods like calling people I am related to, to try and collect funds. 

The collector, " XXXX '' once again took my bankruptcy information today, but would not give me their mailing address or any contact information so that I can contact their client/original creditor. They said it was my problem to find out any additional information relating to this debt and hung up. 

The problem with these agencies is that if they find that they ca n't get money from you, even with protections set forth by bankruptcy, they will wait a short while, and then seek out relatives or past relatives XXXX in my case, ex in-laws ) to try and scare them ( and embarrass me XXXX into paying on my behalf or contacting me to pay. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
I had a forbearance agreement with XXXX mortgage. my loan transferred to penny mac and they said they never received the agreement, XXXX mortgage sent all the forbearance agreement paperwork to penny mac. When I called penny mac they said there was no agreement and i had to pay the total past due or do a short sale. They never honored the agreement or applied the money i paid for the forbearance to the loan. I tried resolving this problem with penny mac before i did a deed and leau and after with no success. Every time there is new information brought to there attention they just change what they were saying. XXXX mortgage proved to them in a cfpb case that I had a good agreement and penny mac stated that i maid no mention of the forbearance agreement in my deed in leau request. I told XXXX XXXX about in on the phone and in my application process. penny mac chose to ignore the agreement in XX/XX/XXXX and in XX/XX/XXXX. My credit report shows i made no payment to them and i owe XXXX and past due XXXX. I could never make a payment because penny mac would n't accept any payment unless i would bring the account current in XX/XX/XXXX which was impossible because i paid XXXX and XXXX in the forbearance agreement to XXXX mortgage. my only option was a short sale which was unacceptable to me because it was there mistake or predatory lending practices. I have sense received a letter from penny mac saying my loan is paid in full and it 's stamped on my deed. yet my report still shows the mortgage as open and I owe money. Penny mac has cause a lot of turmoil for my young children myself and caused a divorce from financial stress due to bad credit. and still does I was also lied to during the deed in leau process by XXXX XXXX. He stated my loan would be reported as paid in full and a deed in leau would n't affect my credit like a foreclosure, and I 'd be able to buy a house much sooner than a foreclosure which were all lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
I 've never applied for a pay day loan, nor have i ever recieved one. this is being reported on my credit reports just received notice today and i want it removed.this is fraud and i should n't have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Capital Management Services, LP
State: NC

Complaint narrative:
XXXX card agreed to remove fraudulent account information then 4 months later started reporting again and sold the debt to a collection agency. A complete identity theft report has been mailed to both companies by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VT

Complaint narrative:
My original mortgage loan was sold to PennyMac mortgage servicing company several years ago. Ever since several times a year I receive harassing phone calls and letters from the company demanding that I send insurance verification or some other documentation that is not even my responsibility to obtain. Even worse, when I go out of my way to have the documents sent, they continue to barrage me with calls and harass me about it. When I finally got someone on the line and explained that it had already been sent, they spend 15 minutes looking and found the requested document. So even when I provide what they are asking for at great inconvenience to me, they do n't process it and continue to harass me over it. They should get the documents directly from the HOA and not harass me seveal times a year when the insurance policy is updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
My home was foreclosed on Penny Mac through XXXX attorney 's at XXXX. I have requested the documents from Penny Mac which was suppose to provide me notice of the foreclosure, which I never received. My job takes me from XXXX to XXXX however, I was laid off and requested assistance which Penny Mac refused to provide and kept referring me to the Attorneys Office. The law states I was to have a certified letter giving me notice no letter was received either by Penny Mac or the XXXX law offices.

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

Complaint narrative:
Mortgage Servicer : PennyMacUSAXX/XX/2015 ( approximately ) : I called PennyMac to check if I had met the criteria for removal of PMI from my loan. 
XXXX/XXXX/2015 : I sent a note via servicer 's internal messaging service on their website inquiring about the status of the request. 
XXXX/XXXX/2015 : Service responded to message stating I should allow up to 7 business days from the original request. 
XXXX/XXXX/2015 ( approx. ) : I called PennyMac to check on the status. I was told to allow up to 10 business days. 
XXXX/XXXX/2015 : I sent another message via PennyMac 's messaging system requesting a resolution to my request. 
XXXX/XXXX/2015 : PennyMac sent message stating I should allow an additional 7 days to receive a response. 

It has now been over XXXX weeks for a request that according to their policy should have taken 7 business days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
XX/XX/XXXX, I received a statement from Target stating I owed {$1000.00}. I had not used the Target card since XX/XX/XXXX and our account was paid in full, I immediately called Target. I checked my wallet and my Target card was gone. It was apparently stolen sometime between XX/XX/XXXX when I received a new card and XX/XX/XXXX when it was used. I filled out their affidavit of unauthorized use and the charges were reversed. However, Target has taken the stand that since the PIN number was used, I am responsible for these charges. This was a NEW card. I had never used it before. I have no idea how the PIN number was used. I have always signed for my Target card, I never once used the new chip technology card. I have sent t them proof that I was n't in the city where the charges were made but apparently they have n't bothered to look at the proof. They are determined to find me at fault. I did not use my card on the dates they provided me, I am \\ am not responsible for these charges and I am not going to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
This company called Midwest Recovery System said I owed XXXX. 
When I checked my credit report I notice they put it in collections I dont owe this debt. I am so furious .I called this company with XXXX from the fraud dept This guy I talked to was very rude told I dont owe this. Then I said I never received anything about this. 
all of a sudden I got a document from them thru email. How about that showing up I want this off my credit report.I. gave him info all of a sudden I got a document.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NM

Complaint narrative:
I took a loan with XXXX XXXX company last year.. I sent them all payments on time to my knowledge.. A couple of months later I received a bill from Penny Mac loans XXXX I called XXXX confused.. They said they took over my loan.. So I started paying them, I had to figure out new contact info and such.. 6 months later, Penny Mac said I was late on a payment because when they bought my loan from XXXX, I had a late payment to them.. They paid for that in order to buy my debt from them, and now I owed them.. Took me about three months to come up with a double mortgage payment.. So I feel like I sent XXXX a check and was unaware that it should have gone to Penny Mac.. This is ruining my credit. Penny Mac wo n't correct it..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: CA

Complaint narrative:
Seneca Mortgage Servicing has misappropriated {$3200.00} from the escrow account attached to my home mortgage. On XX/XX/2015 they took a scheduled withdrawal of that amount to pay the scheduled property tax installment, which was indeed recorded as paid a week later on the county website. 22 days later, on XX/XX/XXXX, XXXX took another withdrawal of the same amount, creating an escrow deficit of XXXX. They have told me on the phone that this withdrawal was not sent to the tax agency but remains in Seneca 's control. It is easy to see the second withdrawal from my account on the attached activity listing from my mortgage account with them. When I demanded that they return the unauthorized withdrawal to my account immediately the replied that it would take two months tho " investigate '' the matter. It does n't take a genius to look at the statement of activity and see the duplicated withdrawal. Two months of " investigation '' time amounts to theft of my property with no promise of returning it. Since I am closing a refinance today I am forced to pay XXXX extra to pay off the existing mortgage, to cover the funds that were improperly withdrawn by Seneca. 
They are : Seneca Mortgage Servicing LLC XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates
State: NY

Complaint narrative:
Collection agency, Hillcrest Davidson, collected an amount far larger than the unpaid balances, by lying to me that this amount will be credited back to XXXX ( original company that engaged the collection agency ). But the amount was pocketed by collection agency and no one seems to know where the amount is. Hillcrest Davidson collected {$1200.00} from me on XXXX XXXX, 2015, while the past due balance was a small fraction of the collected amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: CA

Complaint narrative:
I have an unemployment forbearance. The unemployment forbearance is currently in effect. 
Problem : The credit reporting companies are reporting me as late, all while the forbearance is in place and the lender does not consider me late. First of all, the forbearance should have been in place months before, I simply did n't remember the option. Second, making me whole ( and I can argue the fairness of whole ) and not late or past due with the company and they get to keep reporting it as late seems unfair and deceptive. 

The CFPB should not allow late payments, which are included in the time of the forbearance, to report as late on the Credit Bureau. This practice serves no purpose, is unfair, and hurts the borrower more than it helps. What 's the point, being late and getting a forbearance, or just letting it all go bad?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: CA

Complaint narrative:
I received negative scores on my credit due to communication errors by the lender ( University XXXX Pennsylvania ) and the servicer ( XXXX, a division of XXXX XXXX ). I made a payment to the servicer XXXX XXXX but they failed to credit this XXXX account and gave a negative credit report that severly hurt my credit score. The XXXX website managed by XXXX that I traditionally used to make payments was not working, and I was directed to make a payment over the phone. When I made the payment over the phone they failed to credit the right accounts, and I was reported to the credit agencies as 30 days past due. In addition, when this account was first brought into repayment, I never received correspondence from the lender nor the servicer regarding repayment, indebtedness, and schedule of repayment and my account went into delinquency and I was given negative reports on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I found fraudulent activity on my credit report in XXXX, 2015. 
I disputed the information with the XXXX credit bureaus and filed a fraud alert. 
I also called the XXXX creditors to report the fraud. ( Chase, XXXX, and XXXX XXXX. ) The companies said the accounts were being closed due to fraudulent activity. I have never heard anything else back from them. I have tried to call back and am unable to reach anyone with a record of my dispute. 
The fraudulent activity is still being reported to all XXXX credit bureaus and I have tried to dispute this information again. The companies ( XXXX, XXXX, and XXXX ) do not investigate the fraudulent activity. They call the creditors to verify it is my account and then close my dispute. They are not investigating the fraudulent charges on my account. I have not made any purchases on these accounts. ( Chase, XXXX, XXXX XXXX ) nor any payments. My credit file shows payments being made on these accounts as well, and I have checked my banks statements for the last two years and have not made any payments on any of these accounts. 

I received XXXX transaction history report from chase which was about XXXX pages long and I did not make any of the purchases on the report. 

I have not heard anything else from any company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/2013 my husband was terminally ill. We had a modification thru Chase XXXX. The XXXX balloon is due this XX/XX/XXXX. I have tried modification twice with them..No Go. When I questioned the Chase Rep about balloon. I was told I could re modify. Now foreclosure is looming and Chase will get my hone valued at XXXX for XXXX. My question how can a coustomer in in financial hardship expect XXXX years later to come up with XXXX. I feel that Chase didnt explain the process and took advantage of my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: DriveTime
State: TX

Complaint narrative:
One day past due and they will call every 2 hours.

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 2015-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
XXXX. I am told that PennyMac is obligated to return all monies in my escrow account within 21 days. I called PMac last week and was told the check was sent on the XXXX or XXXX of XXXX. I called PMac today and advised them they were in violation of the law as it is now 30+ days since closing. I was put on hold for about XXXX minutes after telling the rep I wanted the check Sent by XXXX. I was then transferred to a voice mail where I repeated the problem and again requested the check which is for about {$400.00}. Your aid is requested and it feels good to have a place to go to when people with wobbly business practices display their contempt for us. Thanks!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
I contacted Valley National Bank to inquire about the waiving of my escrow account. I spoke with XXXX XXXX who said that she " thinks '' escrow is required for ALL condos. I could not find any documentation to support this and then contacted the title reviewer for my loan XXXX XXXX. XXXX told me via email that XXXX and XXXX XXXX federal guidelines require escrow accounts for all condos. I contacted XXXX and was told that information incorrect. I was also directed to a page on XXXX website that contradicted the information XXXX provided. I then informed XXXX of this and she stated again that Valley National Bank MUST escrow on all condos. I reviewed the Mortgage documents that I signed and they contain information about waiving escrow. I have spoken to three people at Valley National Bank who confirm that escrow can be waived. However, XXXX and XXXX, who are responsible for servicing my loan, refuse to give me any information on how to do so or facilitate my request. I have called and sent emails several times and I am provided with false or misleading information. I have also requested a written copy of Valley National Bank 's official escrow policy and they refuse to provide it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Capital Management Services, LP
State: FL

Complaint narrative:
A lady claiming to be named XXXX from Capital Management ( XXXX contacted an associate of mine claiming I had given them their name and phone # as a contact. 

I have never given this persons name and phone number to anyone and I have no idea who Capital Management is. 

I want these people to cease and desist harassing both me and my friends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation