vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I 've received repeated phone calls from Dymamic Recovery Solutions regarding a debt I owed over XXXX years ago when I was married and going under a different name. All phone messages indicated that if I did n't call them, I would be served with papers either at my place of employment or at my place of residence. 

This time-barred debt has since appeared on my credit report with an account open date of XX/XX/XXXX ; I did not open any new credit under my current name or under my former married name at that time. This account was originally opened under my married last name ; however, I have not gone by that name nor have I opened any credit accounts in that name since prior to my divorce in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I received a letter from Dynamic Recovery today concerning a debt with XXXX XXXX, I have not had ANY business with XXXX XXXX, Its over 10 years since I did business with XXXX. I would like verification that this is valid and stop all communication from this Collection Agency. These agencies are buying old accounts and expecting that consumers just take their hard earn money to pay, because of the credit systems, families are being destroyed, agencies like this is ruining households with these types of letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC
State: LA

Complaint narrative:
Was contacted by Dynamic Recovery Solutions in regards to a debt from XX/XX/XXXX. I asked to be mailed a statement of debt and received a statement by mail on XXXX/XXXX/XX/XX/XXXX 

Current Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXXXX/XX/XXXX and spoke to their billing department and was told that all there was no open account and they did not send anything to collections. I have no debts on my credit score and Dynamic Recovery Solutions " helpfully '' informed me that if I paid them then nothing would go on my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I get a medical bills on my credit report who was send to collection without my knowledge. Now I received some treated calls all the time with some harassment and legal action going to be take about me. I want all this stress to stop immediately. They even calls my cellphone during working 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 2015-07-14 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: KY

Complaint narrative:
I have continuously been getting call regarding a debt I owe to XXXX in XXXX, KY. They are harassing phone calls. At first I was worried, so I called XXXX XXXX and asked them because I was confused. Stated that I thought I had paid my balance in full. I have worked with this comany for a few payday loans at this point and was almost 100 % my balance was XXXX. After calling them, they confirmed my account balance has been paid in full and they do not know why I would be getting these calls unless it was a scam. I have recently received a letter stating that I owe {$480.00} dollars almost a XXXX months later after their last call. I still do not owe this according to XXXX XXXX, and now I am scared this will affect my credit. I do not wish for a debt I owe to affect my credit, but am unsure where to turn. So here I am reporting what I believe to be fraud and so does XXXX XXXX. One of my biggest clues this was fraud was when the person on the end of the phone call called me a " good for nothing XXXX '' after I refused to pay the debt I did not owe or give them anymore information. This has to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
getting debt collection calls at work and on my cell daily. They say that there is a claim against me and to call back. This is a pre-recorded message " robo call '' getting them for months at my job looking to sue me for a loan I do n't have. I think Rise Credit has sold my personal information to a scammer since they are the only ones who have my information like cell phone, bank info, social Security number and cell phone and work phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services
State: IL

Complaint narrative:
My name is XXXX XXXX. I attended University XXXX XXXX and XXXX XXXX University Online classes XXXX. I graduated XXXX XXXX. If I could go back in time and reconsider I would NOT attend college. For XXXX reasons, the debt that I am left with now is IMPOSSIBLE to pay back in full before I die and the second is that education is NOT recognized in the workforce and it 's useless. I have NOT landed a job to utilize my degree credentials since I 've graduated 6 years ago. 
I divorced in XXXX and the loans I took out prior to that were based on my ex-husbands income and now I struggle as a single mom of XXXX kids trying to stay afloat in our expensive economy. I have done forbearance that just got me more interest and higher amounts owed. I then went to repayment by income, I make my small payments as required but I can NOT buy a home so that my payments are smaller than renting. My total debt to income ratio is too high and causes me to have a lower credit score. This student debt is consuming my every chance in life to succeed as a mother and a working citizen. 
I am just asking for some help. Student loans are NOT feasible for anyone 's future. I have to say if I could give back my degrees in exchange for my debt relief I would in a heartbeat. I want to ask a couple of questions, if someone is unable to pay back their student loans and go into forbearance or loan deferment status 's, why on earth would they be charged additional fees on top of what they are currently unable to pay? Loan establishments are greedy and nobody truly cares about our country success! This is a manipulative vicious cycle that sets us up those who are actually trying to make a difference in our own lives as well as others for complete FAILURE. 
NOW, I am against college or furthering knowledge beyond high school with this as my own personal experience from trying to do the right thing in life and show my kids the importance of higher education. I have to have XXXX jobs just to make ends meet providing a life for me and my kids barely making XXXX a year. 
Is there anything I qualify for that I am not aware of to get some assistance in student loan debt relief? I am at the last point here, I do n't want to struggle any longer I 'm not asking to be rich, I am asking for any help in eliminating some or all of my student debt if at all possible. Like I said before I 'll give back my degrees as they are no longer of importance to me. 
Also student loans are confusing, I believe I have both federal and private loans totally over {$64000.00} only to walk away with an XXXX and XXXX that are not acknowledged for me to get a job. I 'd appreciate any correspondence regarding my issues and pray to XXXX that I 'm taking seriously and receive some sort of assistance in digging out of underneath this impossible student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dynamic Recovery Solutions, LLC
State: TN

Complaint narrative:
I 've received several calls from some who did not disclose their name, nor did they advise me the basis of their contact, but attempted to coerce vital and private information from me. All they seemed to have was my name, phone number, last XXXX of my social and an incorrect address that I 've never heard of. But when I attempted to ask what was the reason for the call, they refused. Because they refused, I requested that they not call me anymore, but they still insist upon calling. I 'm pretty sure that there should be no bill collectors calling me since I filed for in XXXX XXXX and received discharge of bankruptcy in XXXX XXXX. I 've since reverse dialed the number and it answers as Dynamic Recovery Solutions. My other major concern is identity theft. Is there anything that I can do to prevent the continued calls as well as find out if there is someone using my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Global Trust Management LLC
State: NJ

Complaint narrative:
They are calling my workplace. A representing by the name of XXXX XXXX keeps calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Patrick K Willis Company Inc
State: IL

Complaint narrative:
Received a call from an " investigator '' on " a case brought against me. '' She identified herself as XXXX XXXX from XXXX and started asking me to identify myself by giving her personal data. When I asked what the acll was pertaining to she refused to tell me. Upon giving her my personal info she said it was re repossesion of my car. I called the bank and resolved the issue removing my car from repo. Calling her back to notify her she said she would call the bank, that my car still needed to be repossed or I would be taken to court. This is after I resolved the matter with the actual creditor. She is with a third party who was n't even able to discuss the particulars of my matter but still wanted to interject. I 'm now fearful that the agreement with the bank will be reversed after it was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX which was a VA Loan. They transferred the loan to PennyMac Loan Services , LLC in XXXX. I never received a letter of this, in addition -- when payment was returned, I found out at the branch the account was no longer with XXXX XXXX. In addition, I immediately contacted PennyMac to provide payment for XXXX and also the XXXX payment which was due soon. There was a difference in monthly payment of over {$100.00} now that the mortgage went to PennyMac. None of this information was provided, or conveyed by either XXXX or PennyMac in any capacity. Agent discovered an overage of {$170.00} ( credit ), this apparently was late fees which XXXX never applied to my last payment for what ever reason. PennyMac was sent a large payment of {$2700.00} to cover XXXX and XXXX. As well -- agent stated the late fees they have on their system would be removed. I called a week later and was told this had not occurred and was told the agent would correct this. In the interim, I sold my home and was directed not to pay XXXX payment for the note would be paid off and this would effect payoff if paid. After payoff occurred, I contacted PennyMac and they stated that the late fees were {$230.00} and non reimbursable. There was never any late payments while in their hands. If anything -- I was told this would be corrected. Lastly -- They had inspections of the property for XXXX, XXXX, XXXX which charged a fee. According to Veterans Benefit Affairs, they state that no inspection fees are to be paid by the veteran in any capacity. When asking for proof of inspection, PennyMac was unable to provide this proof. Never the less, when questioning Escrow balance, it appears funds of overpayment are lower than expected. It appears that PennyMac charged a pre-payment penalty by double charging interest and less to principle which is a direct violation of our agreement and outside the business and rules for a VA Mortgage. Fees are not authorized according to the VBA/VA. PennyMac basically ignored any concerns I brought to their attention and these fees need to be recovered and also, I feel I have received undue hardship as a result, loss of time complaining on the phone several times and not impressed that a company can do this to a veteran who is a good customer and has also been in direct contact with the several times. These inspections should never have occurred, it 's a pons scheme, unwarranted, and the double interest payment is a total misrepresentation and I can not tolerate being mis-treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
We recently refinanced our mortgage loan to remove the need for monthly mortgage insurance. During the escrow period, we received XXXX a Good Faith Estimate and a HUDXXXX settlement statement of all closing costs ( neither of which mentioned anything about an XXXX certificate needed with a cost of {$70.00} XXXX. We also never received any communication from our Lender explaining to us about this cost which could also have been paid for outside of escrow. 

After escrow closed, we received a prompt payment check for the balance of funds to be paid to us as a result of the cash out refinancing. It matched the amount from the HUDXXXX settlement statement. 

About XXXX weeks later, we received a surprise late notice of payment from our XXXX for the amount of {$70.00}. I called them to find out what this was about, and I knew it could n't relate to our XXXX dues ; since we have an automatic debit from checking set up to pay for that. They explained that they received the request from a Lender for an XXXX cert and sent me an email with a copy of all the paperwork that was faxed back and forth attached, and that they never received any payment to apply to our XXXX account. 

I then contacted our Lender and left a voicemail with our loan rep 's supervisor ; since neither one could be reached live on the phone. I also forwarded the email from my XXXX with the attached fax documents to them. After being told it would be forwarded to a manager for review, I have not heard anything back for XXXX weeks. 

I feel that this will not be resolved unless your agency gets involved to get an action response from the Lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
I have a XXXX and a XXXX mortgage with Ocwen Loan Servicing. These mortgages are upside down. I have applied TWICE for a loan modification on interest-only loans with very high interest rates ( The second mortgage interest rate is 12.75 % ) I am unable to make the mortgage payments since I lost my job in XXXX 2015. I am now on a fixed income and attempting to get a loan modification through HAMP ( Tier 1 ) Meanwhile, Ocwen Loan Servicing has received millions of dollars from the U.S. Treasury to help lenders ( taxpayers ) with circumstances such as mine. Yet, Ocwen refuses to follow the HAMP guidelines and will not provide a reasonable explanation for not following the guidelines. There are several XXXX similar complaints with the XXXX against Ocwen, and Ocwen has settled a class-action lawsuit from the CFPB for their fraudulent lending practices yet they seem to continue with their fraudulent practices. 
I am desperately in need of a remedy from Ocwen 's predatory lending practices, and I know that I am not the only borrower who is having problems with this lender ( despite the class-action lawsuit ). Can you please help! Another class-action lawsuit should seriously be considered against this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I graduated from XXXX XXXX XXXX in XXXX of 2015. I had a grace period post college before repayment was to begin. I applied for a forbearance and was approved after that. Unfortunately, NelNet inadvertently negatively marked my credit report for a 90 day delinquency despite being approved for a forbearance. When I tried to call and remedy the situation the initial representative ( XXXX XXXX ) was rude and told me the only the only way to get it removed was to prove that I was in the military. That seemed to be a tad bit outrageous because I never mentioned the military, the NelNet representatieve seemed to be attempting to patronize me here. On this same day of communication the representative ( XXXX XXXX ) told me NelNet had a phone number for me ending in XXXX but she would not provide the entire phone number. I called back and spoke with a representative name XXXX who stated the number they have on file for me was XXXX. I advised the number was invalid for me. My goal was to help NelNet understand that the time frames in which I was being asked to repay did not align with their records therefore I should not be viciously marked for credit on multiple NelNet accounts for miscommunication and for also having invalid contact information. I asked if I could pay any past due amounts and XXXX XXXX told me that I did not have any. XXXX XXXX also stated that since they had not heard from me they negatively marked my credit until they did hear from me. I do not feel this is legitimate or fair treatment. I understand the position of the CFPB and I understand not everyone may agree with it but it needs to be in place because discrimination appears to be at an all time high. Based on the information I viewed there was ( 1 ) one 90-day mark on all NelNet accounts that I have in the past 10 years on my credit bureau reports. That does not align with a 6 month grace period post graduation ( XXXX ), plus one year of forbearance and then another year of forbearance. When I called to get grace period information on my XXXX call they did not even know when I graduated. They had me in an unemployment deferment. They said the information from the school must have been invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TCF FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am a XXXX Veteran and am unable to work. My previous mortgage company was XXXX Mortgage and my loan was sold to Chemical Bank. Prior to this transfer, I stopped my automatic payments and wanted to pay them myself. Since Chemical Bank took over the loan they have attempted on two difference occasions to withdraw monies from my account without my permission as I mentioned I had previously stopped my automatic payments. On the first attempt by Chemical Bank to withdrawal ( unauthorized ), I contacted them and advised that this attempt was without my permission. Then they again attempted to withdraw two payments from account - all after notice and without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27 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: NY

Complaint narrative:
In my previous complaint for ACS student loans Case number : XXXX, the company responded asking for a copy of a cashed check, which shows the company is trying to delay this issue to gain time and put my account on late charges. ACS has been withdrawing payments from my account for the past 5 years, so for them to ask for checks shows the internal problems this company has and the need for a governmental audit for fraudulent actions. I already submitted as requested the bank statement and that shows clearly the withdrawn twice done on XX/XX/2015 
Second the company never adressed the question of the interest rate charged to my account and the changes they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Midwest Recovery Systems
State: KY

Complaint narrative:
On XX/XX/XXXX I was checking my credit report and noticed a new collection entry from Midwest Recovery Systems. I called customer service and was told I had an outstanding payday loan and this company had purchased my debt and was demanding {$690.00}. When I explained to the rep that I had no knowledge of this and why was I not contacted before it was submitted to the credit bureau she had no explanation. When I asked to verify when this occurred she was unable to provide me with that information. She said " maybe in XX/XX/XXXX '' but was not able to provide any other details. I asked for something in writing in order to research this, and she sent a very vague letter via email. I do not owe this debt and this company has submitted this to all my credit reports without my knowledge.

Company response to consumer: Closed with explanation