vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 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: GA

Complaint narrative:
I disputed an Collection on my credit report back in XXXX of 2016. Both XXXX and XXXX both removed the item from my credit report. After a month later, the collection showed back up on my credit report. It was now under a different Collection Agency name. With a slightly different amount. I contacted the Credit Agencies, and was told that I needed to dispute the amounts again. This time, the results of the dispute came back as the item belongs to me. 

I was only able to upload my letter from XXXX showing the removal of the collection. The XXXX removal is connected to my XXXX XXXX account. Which I am unable to upload.

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 2016-04-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I have requested that Regional Finance not call my place of work. Which is a government agency, I have requested no calls to my work number on several occasions. Today makes the 15th call. I spoke with XXXX on XXXX/XXXX/16, I requested no call to my work number. XXXX from Regional Finance has continued to call, and she disclosed my personal debt to a co worker. These types of practices will not be tolerated. The company is Regional Finance located on XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Home Point Financial Corporation
State: MD

Complaint narrative:
Hello I brought a home XXXX 2014 a XXXX time buyer XXXX XXXX woman and I was sold a house a complete lemon. Structural damage to my home that is so costly I will be unable to live in the home. I spent {$110000.00} for garbage. This was FHA loan but I really think the realtor was in on the scam. This house is not any good the seller moved to XXXX he hid so much with this house its unbelievable but the bugling wall with horizontal crack was right in the inspector face. I want justice in some way

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA

Complaint narrative:
On XXXX, I received a letter from XXXX stating that I had defaulted on my Perkins loan. This is the first communication I received since graduation about this loan. When I graduated, my loan was being held by Campus Partners, which was being purchased at the time. I created an account with Campus Partners, to pay my loan. However, they did not allow anyone to begin repayment of their loans, due to their company being purchased by another. Therefore, I was unable to pay my loan. Now since my loan is in default, they want me to pay the interest on the loan plus the principle amount. I was more than willing to pay my loans, which would have been without interest at the time. I immediately contacted XXXX, after receipt of the letter, to try to figure out how my loan became in default. They said that I needed to talk to the company ( ECSI ) who now owns my loan. Therefore I contacted ECSI by phone. When I finally was able to speak to someone, they were extremely unhelpful, and before even getting to the reason for my call, they hung up on me. Since I never got any information from them by phone, I looked for another method. They had an online chat available, so I tried chatting with them. 
From this, they said that they were sending me information, but it was all being sent back ( because they were sending it to my address without sending it to my apartment ). I questioned them on why they had the wrong address, and they said it was given to them by Campus Partners. Then I asked why they did n't contact me by phone or email? They replied that it was against my schools policy. I never got to ask why they did n't just contact my school to request my address. However, they said there is nothing they can do and I just have to pay the loan and the interest that accrued. I told them that I would be more than willing to pay my loan minus the interest, since that is what would be fair, this being the first contact I received. However they said that I needed to pay the interest as well. So I asked to talk to someone who could help me straighten this situation out. They referred me back to my school. So I contacted my school by phone and email. They said they would look into it. I just received an email today from XXXX stating that there is nothing they can do, and I just have to pay the loan plus this accrued interest. I do n't see why I have to pay interest on a loan that I never had the option of paying before the loan. The company or XXXX did n't do their due diligence in acquiring my correct address, which XXXX had. XXXX never even contacted me by phone or email ( which they set up, my XXXX email address ... ) to let me know that my loan was transferred to ECSI and that I would need to pay my loan through them. What they are doing is a complete Scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delmarva Collections, Inc.
State: MD

Complaint narrative:
Delamrva, a collection agency is harassing me at work. I did not give them this number to contact me while im at work. I asked them to stop but the calls continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Dominion Law Associates, P.L.L.C.
State: NC

Complaint narrative:
Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with Dominion Law Associates. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have XXXX last year. He had a total of XXXX XXXX in 7 months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. Every month XXXX XXXX XXXX keep sending loan to different law offices. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MN

Complaint narrative:
I am currently a borrower with Heartland ECSI as the administer of a loan originating from XXXX College. 

Through the course of my relationship with this company, they have made it consistently difficult for a borrower ( me ) to make payments. These difficulties have resulted in the accrual of late fees, which I suspect is the main intention of this company. 

Their actions have included ( 1 ) not allowing users to make payments on their website ( multiple processing errors on multiple days on various web browsers ) ; ( 2 ) when payment has been able to be processed, making it impossible to schedule the payment ( and recurring automatic payments ) on the correct dates thereby incurring late fees. On top of this, their customer service is inaccessible or incapable of remedying problems. For instance, outside of live customer service hours, the company 's online option to leave a message ( because it is after customer service hours ) leads to a screen stating that customer service is closed so you can not contact them ( NOT LEAVE THE MESSAGE? ). 

This is a pattern of practice intentionally engaged to take advantage of borrowers and increase profits through the unjust accrual of late fees. This company should be penalized and shuttered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cascade Capital, LLC
State: NY

Complaint narrative:
I was contacted by a company named XXXX XXXX by a man named XXXX XXXX and subsequently by a man named XXXX stating that I owed them {$1400.00} from an emergency room visit that occurred on XXXX/XXXX/2015. I asked them to give me whatever information that they had so that I could verify their information with my records and the hospital, if necessary. They were verbally combative and insulting to me when all I wanted was to be able to verify the details of their claim. Subsequently, I was able to locate the benefits document from my insurance company that shows that I never owed the debt. This was a debt that was purchased from another company which was, presumably, purchased from the hospital where I had the emergency room visit. My insurance benefits document indicates that the charge in question was an 'Ineligible charge ' that the doctor who made was prevented from making through agreement with my insurance company. I am absolutely convinced that this was a cheap tactic by the doctor, the hospital, and every debt collection company that bought the debt to try to get me to pay for something that I was never responsible for paying, and, had I not resisted their strong-arm tactics, I might have agreed that I owed the debt ( which I do not ). I do n't believe that it was necessary for the employees of XXXX XXXX to speak to me in the manner in which they did -- especially since I do not ( nor have I ever ) been responsible for the amount that they say I was.

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 2015-07-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Genesis Lending
State: CA

Complaint narrative:
I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. ''

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 2015-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: LA

Complaint narrative:
I paid this debt almost a year ago and it is showing up on my credit report still.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
Attempted to collect wrong amount. I never had the services for the above said amount {$340.00} from XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me Because of this my credit score has been drastically gone down. Please help me asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: TN

Complaint narrative:
I qualified for loan forgiveness for fraudulent private school loans offered by XXXX University by Genesis Student Lending. I was not notified that loan forgiveness and refunds for payments made was being offered or even of issue ( a pending suit in 2015 ).

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 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Academy Mortgage Corporation
State: AZ

Complaint narrative:
XXXX XXXX of XXXX, I closed on my 1st home. The purchase price was {$180000.00}, and at the time I received a {$9900.00} grant for the down payment of the home. En lieu, I had received an interest rater of 5.25 %. XXXX, at Academy Mortgage, told me that we could do a no cost refinance ( lie ) in XXXX to reduce the interest rate to a respectable amount. 

XXXX of XXXX, I do the refinance at a cost of approximately {$2400.00} to me ( built in the loan ). I accepted a 4.125 % rate with no PMI. I was appraised at $ XXXX, and the loan was for just over $ XXXX. 

In XXXX of this year, XXXX called me to ask me to refinance the loan again because they were having a hard time trying to sell the loan to their investors. She said that she would do the refinance at 3.99 % and no closing costs. I turned her down, because I did not want to jump through hoops for a few dollars. ( My intent is to sell the house in a year and a half anyways, so I can upgrade ). XXXX approached me again and offered 3.875 % and I declined. Five minutes after I sent the email declining, XXXX called me and begged me to refinance the loan for 3.75 %. I reluctantly agreed. She assured me that my payment would go from {$970.00} to {$930.00}. I signed all of the documents and received copies of them all. XXXX told me that it would not be necessary to make a XXXX XXXX payment while I am going through the refinance, so I took that money and paid on my student loans ( I have confirmations of this ). XXXX also told me that my first payment would not be due until XXXX XXXX ( again, I took my XXXX XXXX payment and paid student loans instead ). 

Last week, XXXX tells me that their " investors '' accepted my original refinance terms from XXXX and there was no need to do the current refinance. Safe to say, I am extremely upset about this whole situation, and this is where I am asking your help. They want me to immediately make my XXXX XXXX payment ( which I do not have ). They also want me to make my XXXX payment right away, for which I have financial records stating that I paid off student loan debt. I also have emails showing most of the correspondence with XXXX, stating it was unnecessary to make the XXXX or XXXX payment because my first payment would not be due until XXXX XXXX. 

Academy Mortgage called me and notified me that they would be willing to give me {$980.00} and that is all they will offer me. They forwarded the issue to their corporate attorney, XXXX XXXX. 

I signed all the paper work agreeing to a 3.75 % interest rate with no PMI. I have been repeatedly lied to by Academy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: TX

Complaint narrative:
Earlier this month ( XX/XX/XXXX ) I contacted the consumer financial bureau regarding false reporting by drive time to credit bureaus. I stated that I voluntary repoed my vehicle XX/XX/XXXX. I also stated that the company consistently falsely reported this information on certain months. I have not had an account with drive time since XX/XX/XXXX and just this month they just reported a repossession XX/XX/XXXX. this is a violation of federal law as well as the fair credit reporting act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I checked my credit report on XXXX XXXX and notice a collection debt. Called up a company named Midwest Recovery who was not the original creditor. I told them there must have been a mistake. So I disputed the debt. The original collector was XXXX XXXX XXXX XXXX. I never heard of them and never borrowed money from them, but some how they got my personal information. The debt that they said I owe was in the amount of {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC
State: NM

Complaint narrative:
National Credit Adjusters has been repeatedly contacting my husband asking for XXXX XXXX ( not his name ) on a debt that is not his, nor is it mine. This debt was previously with another collection agency and it was proven to not be mine and was removed from my credit report. It was sold to National Credit Adjusters in an attempt to collect money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
This is not the first time I have complained about this company and its intentional tactics designed to harm consumers. 
On ( or about ) XX/XX/2017 I requested that PennyMac send me a copy of my deed and note ( I am doing a refinance to get away from this company ). I specifically told them to mail it to me and they told me they would and to expect it in a few days. On XXXX I called and was told they had not mailed it. I requested they fax it immediately and was initially told they could not do so, later they claimed they would ( I still have not received it at the time I am writing this ). I also again requested they mail it. I am certain they did not mail it to me as a way of preventing me from moving my mortgage to another company. This is not the first time I have had problems with PennyMac refusing to meet their obligations in regard to my mortgage. As of this writing I still do not have these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: SD

Complaint narrative:
Midwest Recovery System has placed their negative tradeline on my transunion credit report for a debt that is not mine. 
The debt is for a bill in the amount of XXXX dollars from the original creditor called XXXX XXXX?? 
According to the tradeline it states the debt was made around 2011 and its a payday loan??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Excessive fees charged in continuous months in excess of {$1000.00} for a {$300.00} loan. Paid some of the loans but discontinued due to increased fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I requested that my PMI be removed from my mortgage company ; PennyMac on XXXX XXXX after I had reach my required 20 % of the original loan. I was told that I needed to either get an appraisal or a BPO. My house was brand new when I purchased it in XXXX XXXX, XXXX, so I figured that a BPO would be the way to go since it was cheaper. I never heard back from the mortgage company so I preceded to call numerous times ; XXXX, XXXX, XXXX. I was told that my appraisal by the BPO was {$220000.00} by XXXX person which is above the selling price and then told again by another individual that it was {$190000.00}. The selling price was {$220000.00} and I put {$38000.00} down making the remaining balance {$180000.00} at closing. I have paid my mortgage on time and above the payment amount each month. I even had to call a couple times when I first started receiving my payment bill because it would come late and I was told that I have a grace period of 15 days, which I am aware of but I like to pay my bills before the actual due date. I was also told that a copy of the BPO was sent out on XXXX/XXXX/XXXX which I never received and I told them that, and they said that they would send it out again. I have n't seen the copy as I today. I requested the BPO to be disputed because their is no way my house has depreciated {$27000.00}, It 's a new house and the market is better now than when I bought the house! My current balance of the loan is {$170000.00}. The last time I called was in XXXX XXXX, XXXX and the individual told me that my house thru XXXX is {$230000.00} and that she was going to talk to her supervisor and get back to me. I still have n't heard anything. I received the BPO fee on my mortgage statement this month and I refuse to pay it until I get a copy of it. I would like restitution since I first requested that the BPO was originally asked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC
State: VA

Complaint narrative:
XXXX XXXX 2015 : Mortgage loan was issued by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) XXXX XXXX 2015 : XXXX sent me a Notification of Assignment, Sale or Transfer of Your Mortgage Loan, saying the servicer of your mortgage loan is CMC funding INC ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FI XXXX ). Transfer effective XXXX/XXXX/2015. 

XXXX XXXX 2015 : XXXX, the XXXX bank sent a letter stating that the XXXX XXXX, 2015 payment should be made to XXXX and XXXX XXXX, 2015 payment to CMC. 

XXXX XXXX 2015 : received XXXX letters from CMC ( conveniently backdated XX/XX/XXXX and XX/XX/XXXX ), the XXXX bank stating that the XXXX XXXX 2015 payment should be made to CMC. This was my first letter from CMC, received 3 days before the alleged due date. 

I called CMC, spoke with XXXX, agent number XXXX, who said the issue will have to be sent to a research specialist, expected return call time XXXX XXXX. I was told I could rely on the " grace period '' under RESPA in the meantime, while they determined where the payment should be made. This is not a satisfactory answer because the CMC bill threatens a late fee of {$52.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation