vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am XXXX years of age and have a student loan amount of {$42000.00} with Navient since XX/XX/XXXX. The loan was transferred to Navient from XXXX. I do not deny that I have a loan, and I am making monthly payments. However, I just noticed that none of my monthly payment amount of {$290.00} is going towards principal. For example, my XX/XX/XXXX payment was made on XX/XX/XXXX in the amount of {$290.00}, and I was aware that there would be a late fee. However, {$280.00} was put towards interest and {$17.00} went towards " fees, '' and XXXX went towards principal. I have n't had anything paid towards principal since XX/XX/XXXX when I made a larger payment so that more would go towards principal. I contacted Navient and spoke with someone who was obviously from a XXXX country and was told that the interest amount is paid first, then the principal. I tried to explain that nothing went towards principal and she agreed but still said that is the way they apply the payments. At this rate, I will never pay the loan off. This has to be illegal. Even pay-day loans put something towards the principal. I understand that there was a class action lawsuit against Navient, but I was unaware of it at the time. I would appreciate any assistance that you can give me. Please contact me if you need my loan number. I will be more than happy to provide any information you need from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
Credit card company turned off my ability to pay and I was not able to get them to turn it back on. After XXXX missed payments, they closed my account and I was sent to collections. I received a letter from a collections agency that stated a settlement offer. If I paid half of the amount due, the credit card company would forgive the other half. The letter stated the settlement was an option for the entire length of time that the collections agency serviced my account. I paid the 50 % to the collections agency and thought I was done with this debt. However, a few months later, I was checking my credit and the half amount was still showing as due. I called the collections agency and they told me that the credit card company had requested my account back. Since the collections agency no longer had my account, they apologetically let me know that there was nothing they were able to do. I called the credit card company and asked why the debt was still there if I paid the settlement, and the representative said it was not marked as a settlement. They said they would request the information from the collections agency and get the debt removed. Another couple months go by and I get a letter from the credit card company to open a credit card with the balance of my debt as the credit limit. I call the credit card company again and ask why my debt was not removed. The representative was extremely rude on the phone and went as far to say " what do you want me to do about it. '' I paid the collections agency in XXXX of 2015 and the credit card company requested my account back in XXXX of 2015. I have not been able to get the credit card company to assist me. The credit card company has sent me to another collections agency, which I already claimed a dispute against the debt. 

I have proof of the settlement agreement and proof of payment to the collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
Been having issues with Bayview Loan Servicing , LLC ( Loan Number XXXX ) since they or the mortgage company they represent purchased my mortgage from XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX. Many charges have been applied/charged to my escrow from the beginning, the most disturbing charge was the increase of my mortgage on XXXX XXXX, from {$1200.00} - {$1600.00}, an increase of {$380.00} due to their Annual Escrow Account Estimation for XX/XX/XXXX, which included the full amount of taxes that would be due for XX/XX/XXXX. However, I 'm in a Tax Relief Program because I 'm a XXXX and my current income, and only required to pay {$38.00} annually for my property taxes. 
I have provided tax relief documents to Bayview for XX/XX/XXXX and XX/XX/XXXX but they continue to show I 'm in the rear with my mortgage. They continue to send loan modification documents which I have not requested. 
I want my statements to reflect my correct mortgage payment which is now {$1400.00} due to this year 's increase of 1 % from 3-4 %. Any associated fees charged due to a loan modification request credit back to my escrow account. 
One of the documents state that I had requested a loan modification, I have never requested a loan modification through Bayview. I had received a loan modification through XXXX initial payment started XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XXXX, I was speaking to a young lady by the name ofXXXX XXXX about a business venture where I would pay her {$50.00} to get started and she would " run '' some numbers and send the profit back to me. This conversation happened Thursday XXXX and I ended up sending {$50.00} to her by Western Union on XXXX/XXXX/2015. Then I got several calls and texts from someone name XXXX XXXX and when i tried to call XXXX back, no answer. Every since then this XXXX XXXX has taken over stating that XXXX did n't complete the transaction correctly. Yesterday I ended up having to send anther {$50.00} to XXXX XXXX by XXXX and still no profit. I called last night and today asking and demanding my money and his response was " these NUTS. " I just want my {$110.00} ( Money sent plus fees ) Even though the money was sent to XXXX XXXX, the person receiving the money is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
Recently, I read that you are investigating complaints against XXXX XXXX. XX/XX/XXXX I was going to file Chapter XXXX bankruptcy, which included XXXX XXXX XXXX card, but I decided not to continue with the bankruptcy. Due to that, XXXX stopped sending me statements. Then XX/XX/XXXX I received a letter stating that a debt collector had put a lien on my house due to the debt owed to XXXX XXXX. I contacted the Debt collector and I agreed to pay them {$100.00} a month til the debt was repaid. The problem is that they charge me 8 % interest on the balance. The debt Collector said that I owe them {$12000.00}. I have paid them {$100.00} a month since XX/XX/XXXX, and they said I still owe them {$11000.00}. At this rate I will never pay them off. I have tried to refinance my mortgage but because of the lien from XXXX XXXX and the debt collector 's refusal to subordinate, I ca n't refinance my home. I am XXXX years old and live on retirement pay. It would help a lot financially to have a lower interest rate on my mortgage. The debt collector is Machol & Johannes, LLC., XXXX XXXX XXXX, XXXX , CO XXXX, XXXX. I want them to remove the lien on my home and to discontinue charging me 8 % interest. I have no problem in continuing to pay them the {$100.00} a month until paid in full, or to reach a payoff settlement. I can manage to come up with {$4000.00} for a settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BYL Collection Services
State: CA

Complaint narrative:
This debt is over 6 years old and it has not been proven that I owe this debt. I have not been provided with papers that show I agreed to pay what they say I owe. I have not been provided with a list of any and all services or goods purchased and a line by line itemization of charges and how they calculated what they say I owe. The creditor needs to prove that the statute of limitations has not expired on this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NM

Complaint narrative:
On XXXX XXXX, XXXX, I contacted Bayview via fax and notified them that the loan for which it claims to be servicer was cancelled by written notice mailed to XXXX XXXX XXXX at least as early as XXXX XXXX, XXXX pursuant to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX that same letter, I asked Bayview to not contact me again regarding the loan at issue. Since that time Bayview has repeatedly contacted me falsely claiming that I have " requested to be reviewed for a mortgage loan modification. '' I have attached a small sample of the letters Bayview sent after I asked them not to contact me dated ; XXXX XXXX, XXXX ( XXXXXXXX ), XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX ( XXXX ), and XXXX XXXX, XXXX XXXX XXXX ). These represent but a few of the harassing contacts and the frequency of the dates are a clear indication of the harassment. On XXXX XXXX, XXXX, Bayview sent a representative to my home claiming that Bayview had not heard from me and that Bayview believed that I had abandoned my property. 

Meanwhile, there is another party who has filed a foreclosure action on the very same loan in state court. 

Bayview 's contacts are harassing, and I have already notified it that the mortgage loan at issue was cancelled at least as early as XXXX pursuant to XXXX XXXX XXXX yet it has been months since that notification, and Bayview has provided no response whatsoever. It simply continues to send me modification packages falsely claiming I have requested those packages when I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
I have received the statement from Machol & Johannes and there are charges on the statement that I am not sure that I am responsible for. There is no ledger to indicate that this is charged to me or not. Further more it seems that the debt should be paid off and it still shows a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Debt Management Partners LLC
State: OH

Complaint narrative:
Please reference case XXXX and XXXX. The collection company is : Debt Management Partners according to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

THIS IS NOT MY DEBT!

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NV

Complaint narrative:
Cash Central Pay Day Lenders obtained a Hard Inquire from XXXX XXXX XXXX which had damaged my credit scores and had damaged my financial needs to obtain a loan from other financial lenders. Cash Central informed me on XXXX/XXXX/2015 that although my credit score from XXXX ( XXXX ) is good my application is not accepted for a short term loan. Previously, Cash Central stated that they NEVER obtained a Credit Score directly from XXXX but records found in my credit reports indicates that Cash Central obtained a Hard Inquire from XXXX XXXX , XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AMCOL Systems, Inc.
State: OK

Complaint narrative:
I moved 2 years ago and they were sending bill to old address, so I never received anything. They had my new address and only sent to old address. I never knew about this bill until I checked my credit report. Now, I 've paid this around three months ago and it 's still showing it 's open and has balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD

Complaint narrative:
Over the last 5 months I have faxed loan deferrment and cancellation forms Campus Partners. Each time I have faxed, I 've recieved conformation that the documents have been recieved, but according to them, they have not recieved the paperwork, despite faxing from my jod, XXXX AND XXXX XXXX. Each time I 've called, I gotten different information from different customer service agents. As a result, I now have a poor credit score and can not buy a larger home to better accommodate my XXXX mother who lives with me. 

Campus Partners is poorly organized and has no system for managing recieved paperwork and paymenys. 

I work hard to maintain a great credit rating and pay my school loans on time ... {$470.00} each month. Thanks to Campus Partners, I now have a default for {$160.00} on my credit report. If I could sue them, I would. 

I 've since called them today and now they need something else. 

THIS COMPANY SHOULD BE PERMANENTLY CLOSED!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
Payments were paid to XXXX funds, and my loan was sent to collections anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PASCO, Inc
State: OH

Complaint narrative:
CELCO has started to harass me with letters and phonecalls after I already paid my debt, I called them and I said that the debt has already been paid, then they sent me a letter in the mail stating " based on your phone call and your promise to pay '', while I have already paid. They still send me mail, even though I called XXXX which confirmed that I no longer have a debt since I paid my debt in full. 
In addition, during my phonecall with them today, she inquired about CELCO 's fees despite my repeated attempts to prove to her that I had paid. I have also informed them that will file a complaint due to the excessive amount of stress I was subject to, despite having paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dominion Law Associates, P.L.L.C.
State: VA

Complaint narrative:
I settled in full with XXXX XXXX in XXXX 2013, I paid XXXX to settle, they said ok. Next thing I know some collection agency has a judgement against and calls my house on a daily basis!! This was settled in full, I paid more than XXXX % of the debt, I broke my foot and was not insured, I did not ask for that!! I am single mom trying to make ends meet, and the collection agency keeps saying they have lean against my house, when the balance after I paid the Settlement was XXXX dollars. I do n't understand how they can ruin my life like that! Dominion Law & Associates at XXXX ... I want that judgement removed and for them not to call me ever again! they claiming thousands of dollars even though I settle in full!! I do n't understand that!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Academy Mortgage Corporation
State: IL

Complaint narrative:
Due to the complete lack of organization, overriding negligence, and careless mistakes we were 13 days late from our agreed closing date. The calendar days ( not business days ) are extremely important because we had repairs needed on the house that were not just cosmetic, they were for health reasons for our daughter ( and there was mold ) and the construction takes into account weekends. The construction company had planned on using all available week and weekend days. 
Due to the lack of operational and industry knowledge of the new rules and regulations on on the mortgage company 's side, Academy Mortgage, we were forced to change everything with our move. We had to rebook moving companies, get storage for our possessions, and forced to stay weeks at hotels. We issued a claim against Academy Mortgage to cover our costs associated with the missed closing date and financial impact this caused our family. We submitted a letter detailing what they had put us through and their negligence ( not running title searches when they should have, incorrectly informing us of actions needed, having us fax IRS transcripts to their organization, etc. ). 
The letter explained that the days we had to stay in hotels was XXXX because of our post possession closing gave our contractors an actual of 19 days to get the work done. The letter detailed the financial loss and stress they put us through and they responded with incorrect facts. I ca n't believe in this day and time the level of negligence, lying and mistakes allowed to occur and impact consumers financially is still allowed. We are looking for Academy Mortgage to cover our losses caused by their organization. We are not seeking ( at this time ) reimbursement for lost wages, food or other losses, we are only seeking reimbursement for the direct financial loss of the hotel stays needed for the delayed closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Genesis Lending
State: ND

Complaint narrative:
I was mislead on all information on the predatory school loans provided by Genesis Lending XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank has taken me to court and charged me for the lawyers fees. I am being harassed because my home has been listed on XXXX as a foreclosure. I have been trying to work with TD Bank since my injury in 2009. They are completely uncooperative and do not have any interest in working with me. There sole intent is to foreclose on my house. There is no communication unless it is initiated by me. I have been making payments but they wo n't send me statements or even a break down of fees.. I have been asking to refinance but they wo n't even discuss the option or any other option. I am tired of getting phone calls from realtors and others that have seen our house listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 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: Receivables Performance Management, LLC
State: OH

Complaint narrative:
Initially, I received a call from Receivables Performance Management. They only stated their name and asked for me to verify my identity. Unsure of the nature of their business, I asked what kind of business they conduct and told them I did n't feel comfortable disclosing my identity through sensitive information without knowing who they are as a company. They refused and said they could n't legally disclose that due to privacy issues. This seemed suspect to me so I refused and hung up. 

I called XXXX XXXX because I had just closed an account with them to see if there was any connection. After a conversation with a customer care representative, it was discovered that a {$49.00} charge was in error and that I had a zero balance. On XXXX XXXX, 2016 I received an email stating that my balance was zero and that " A request was already sent to update your account to the Outside Collections Agency. Please be advised that it will take within thirty days to update. '' On XXXX XXXX, 2016 I was notified by XXXX that a new collection had been added to my XXXX credit report in the amount of {$49.00} from Receivables Performance Management. 

I attempted to call Receivables Performance Management, but there was no answer after numerous rings ... not even a selection menu. No answer at all. I then called the billing department at XXXX XXXX and was transferred to an " account specialist ''. I explained my situation and asked them to rectify things with the collection agency with whom they have chosen to align ... communicating my frustration with how this collection agency either broke the law, or was operating on the fringes of the law. 

XXXX XXXX effectively stated that they could do nothing to remove the inaccurate credit report addition but resend the same information that they had sent in XXXX. Receivables Performance Management does n't answer their phone. This is the reason for my complaint with the CFPB. 

I could have an attorney send a letter stating which law the collections company is violating, but out of principle I should n't have to pay an attorney fee to fix this.

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