vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
My mortgage was purchased from XXXX by PennyMacUSA at the end of XXXX 2015. I 've called support, emailed support, filed a better business bureau complaint, and I can not get PennyMac to assist me with online account access to view my mortgage information. When I called support, the support representatives have told me that the website does not work and that they get a lot of complaints, but that there 's nothing that is currently being done and no way to assist in providing me with online account access. I request an account reset from the website and never receive an email to reset my login which is not working and I also never received a response to my complaint I logged via the website. It 's not fair to me as a consumer for my loan to be purchased from a company that provided me online account access and responses to my inquiries to PennyMacUSA which does n't meet a basic standard level of service and support. 

There are many complaints all over the web with other consumers faced with this same situation - PennyMacUSA bought our mortgage loans and has failed to provide a basic level of service of the previous mortgage lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I have an Auto-Pay contract with PENNYMAC Mortage Loan Services, XXXX, CA XXXX, Morgage Loan # XXXX. My last monthly auto-pay of {$1300.00}, occurred on XX/XX/2016. I called customer service on XX/XX/2016 and asked about the XXXX monthly auto-pay which was not implemented. They told me they have turned off my auto-pay because the payment was less than {$1300.00}. Is this legal??? Their phone is XXXX. 

My name is XXXX, XXXX, CA XXXX. 
Email : XXXX, phone:XXXX I would like for them to honor the Auto-Pay contract I have with them. I do not see why they can not draw the final mortgage payment from my XXXX bank as they have done for the last 4-5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR

Complaint narrative:
PennyMac has withheld funds for more than 60 days preventing us to have the insurance money ( XXXX XXXX ) to get our home repaired. They claim numerous times that there is missing paperwork, even though we have sent it by XXXX Mail ( XXXX ) as well as by fax. Each time we call to check on the 'status ' of our claim, we are told a different story by a different claims rep. For instance, when we called on Monday the XXXX of XXXX, we were told our endorsed checks had arrived and would take " up to XXXX hours '' to process. When we called back Wednesday the XXXX, we were told " The checks were not yet in the system and it could take 7-10 business days for them to clear ''. Each call is a different story with conflicting truths and timelines. We called five ( 5 ) days in a row asking to speak to a supervisor and was told each time, " You are on the XXXX hour call back list '', yet have not been called back ... not even once. We were informed that only XXXX of the funds would be disbursed at a time unless we submitted a request for 50 % release of funds, which we immediately did. Less than a week later we were told that " The Investors never approve more than XXXX. '' It is now more than 60 days since the XXXX check from our insurance company was issued to fix our leaky roof and still pennymac is holding that money hostage with lies and deceit. 
We are in the midst of the " rainy season '' here in XXXX Arkansas, and each day brings more rain that flows through the roof into our home, onto the floors, subfloors, floor joists and foundation. The damage that is occurring is tremendous! We need a new roof ... now! 
A roofer will not fix it for free with the promise of some mortgage company that the money will be sent XXXX day, and we do n't believe they should either. 
Pennymac has dropped the ball in this case and is causing our home to become ruined with water, mold and rot. We want pennymac to fix the roof and all other damaged components to the home due to their neglect and willful withholding of insurance funds for repairs. We want pennymac to be fined for violation of section 6 of RESPA concerning timely payments of escrow accounts.We want pennymac to pay punitive damages for the stress, hardship and trouble they have visited upon us. We want compensation for pain and suffering. If the mold and nastiness caused by our leaky roof causes any sickness to our family, we ask pennymac be responsible for all hospital and loss of work due to illness. Pennymac should be penalized compensatory damages for their egregious conduct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I bought a car, a XX/XX/XXXX XXXX, from XXXX in XX/XX/XXXX. I paid on it without fail, timely and in full. I traded it in on a XX/XX/XXXX XXXX. 
i have the contract, that clearly shows this, yet, XXXX, renegged on the deal, and now is saying i voluntarily surrendered my XX/XX/XXXX XXXX. The dealership sold my XX/XX/XXXX, then XXXX took the XX/XX/XXXX XXXX back. XXXX has lied into their own records because they screwed up by allowing my car to be sold even though it was still my car. I can submit some documentation now, and the rest later. XXXX is guilty of fraud, renegging on a signed deal, and allowing my car to be " stolen '' and sold by the dealership. The lies and fraud and wrongful reporting to the credit bureaus needs to be punished and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
PennyMac has fail to produce to me the original promise note and mortgage in question. 
My request was done not to release the original but notorized the copy under penalty of perjury and then they send me a copy of HUD1 which I do know the signutare are all forgery. In reference to HUD1 that the forgery was committed and I have solid evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services
State: MA

Complaint narrative:
I attended college in the XXXX in XXXX and XXXX XXXX XXXX in XXXX. I took out loans becuase I was an older student and did not have a college savings. I am STILL paying this loan, I was unemployed for a long period of time and then only worked part time for 5 years after my son was born. My current loan servicer, ACS, suggested I defer the loan at this time. It was not made clear to me at that time that the interest would still accrue and exactly how much additional was added to the total cost of my loan. Currently my loan balance is {$21000.00} and the anticipated time for payoff is 14 years from now. I will be XXXX years old when this loan is fully paid. I have never been able to secure a full-time position in the field XXXX, which is my XXXX XXXX XXXX chosen field. ACS has mislead me and they are absolutely horrid to try to work with. I have tried applying for a XXXX as I currently work XXXX. ACS informed me that the current XXXX loan I have ( also under their recommendation ) is not eligible XXXX XXXX XXXX XXXX. When I applied to change to a different loan that would qualify, they denied me. 
ACS acquired my loan in XXXX and I was informed by The XXXX office that my previous servicer was XXXX and I can not seem to locate a payment history prior to XXXX to confirm the validity of the current loan balance. Something does not add up, and I feel like I have been scammed in the worst way possible. I would very much like to apply for a XXXX XXXX XXXX XXXX program as well as change the servicer that I need to deal with. More importantly, what becomes of the last 16 years that I have paying on a {$21000.00} balance that seems to have remained the same? Even large corporate banks will " settle '' for lessor amounts due to changes in financial situations, but this is n't an option for a student loan? I understand that the loan has has previous unemployment deferments and forbearance, however the numbers still do not seem to add up. I would like to pursue legal action agains ACS for their deceptive practices and failure to provide a service. Potentially I would also pursue state mandates to protect college graduates from falling into this trap, perhaps colleges should be held accountable for the degrees they offer, perhaps offer a different degree or classes at no charge if you are not able to secure employment. No one should be paying for a student loan when they are nearing XXXX age. More needs to be done to protect people from deceptive businesses like ACS. Can you please help? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 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: HI

Complaint narrative:
On XX/XX/XXXX I had a missed call with from XXXX. I returned the call and a man that identified himself as XXXX at ext XXXX questioned my name, and birthdate. I verified that his information was correct. He went on to ask if I ever had a XXXX account, and I said no. He said that a loan was taken out from XXXX in my name for {$1700.00} and the money ( apparently ) was put into XXXX account. Caller stated his company purchased this account from the Delaware bank. I told him to send me something in writing for me to further review. As it turns out from a little research, the Delaware bank he claims to have bought this from has been defunct for years. FDIC pulled out XX/XX/XXXX or earlier. The whole thing sounds like a scam to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters continues to contact and harrass me over a debt that i paid in full back in XXXX XXXX to another agency. I have copies of my bank statements to prove that i paid this debt off in full back in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I got a loan from Rise to pay off some debts that I had, after my bank denied me because of my credit score. Rise had been sending me fliers, letters, brochures all of which I would toss in the trash, after my bank denied me I thought about Rise and went to their web site after looking over their site and reading the information I decided to use a graph they had on the site that would help you estimate the amount you would have to pay based on the amount of the loan ( {$4500.00} ) and the pay off time ( 18 months ) my payment is {$530.00} a month so I thought to myself " thats a little steep '' but as i stated before my credit is awful. I am a retiree from XXXX XXXX XXXX XXXX XXXX XXXX after 30 years and that is my only source of income, my retirement.I completed the on-line application after I calculated my monthly expenses and seen that I could make the $ 533 monthly payments for 18 months with little sacrifice and have my debts i got the loan for consolidated. They approved the loan and deposited it into my bank account 2 days later.Here is the rub, I can not pay the loan back. I went to the web site to see if everything was in order, I used my sign-in information to log into my account and seen that the debit date from my bank account was accurate as well as the {$530.00} amount to be debited but I noticed that the balance had increased from {$4500.00} to {$4600.00} and something close to {$4700.00} then it dawned on me what I was dealing with " a predatory lender '' my interest is so high until making the $ 533 monthly payments will not even lower the principal ( {$4500.00} ) instead it will keep rising, unless you can come up with the entire balance and pay it off its designed ( with the high interest ) so that not only can you not pay it off but that it will continue to rise and THIS IS LEGAL? IN THIS COUNTRY? I have had loans and payday loans and paid then but nothing like this. I do want to pay the {$4500.00} plus interest but its fixed so I ca n't pay it back. This was why I got the loan in the first place to consolidate some debts and after using the graph on their site figured out I could repay the debt comfortably at {$530.00} for 18 months is there anything i could do? Again I do want to repay the loan and interest ... ..BUT I CA N'T. They can debit my account for the next 5 years and still not touch the principal and I 'm sure they would have received the loan 3 or 4 times over and i would still owe about ( a rough guestamate ) {$15000.00} WOW and this is legal? I do not have any document for the loan every time I try to sign-in on their web site I ca n't

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: FL

Complaint narrative:
I have had repeated robocalls from Mercantile Adjustment. They will not stop calling - supposedly you can leave a message but it never allows you to do so. It is not even my collection!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
I ordered a internet connection to a company but then i suddenly changed my mind about it so i called and told them that i dont want it anymore. They said on the phone okay just mail is back the router and you dont have to pay anything because you 're in the 30 day money back guarantee policy. I mailed them back the router the next day then after two months i got an email that they say i owe them XXXX XXXX So i contacted costumer services talked it about them and they said just wait for the revised bill. I waited no email came for 8 months. I thought it was settled but then i got a mail from central credit that i owe something from them. So i called central credit, i disputed the claim but then its been months and they still didnt pulled back the claim that i owe that company and kept saying there waiting for there response because i gave them email proof that i talked to a costumer service and the representative stated there that i dont have to pay anything because im in the 30 days money back guarantee.

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 2016-04-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Radius Global Solutions LLC
State: MN

Complaint narrative:
I been receiving harassing and threatening telephone calls, and XXXX threats from Central Credit Services, LLC., representatives for a debt, I do n't owe and do n't belong to me. The debt is a result of identity theft. Someone stole my identity and personal information. I am a victim of identity theft.

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 2015-07-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Dear Sir, I have submitted a written request to Central Credit Services for the validation of debt. I have yet to receive the information requested in writing. The request was sent on XXXX/XXXX/15 and accepted on XXXX/XXXX/15. Prior to the written request, I have had XXXX verbal communications with the collection agency. I believe that they are in violation in a number of statutes and my credit profile should be expunged of these items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST CASH FINANCIAL SERVICES, INC.
State: TX

Complaint narrative:
I have verbally stated over the phone on our and their recorded lines not to call me at work and only call the cell number. They still call at work and my boss is n't happy. They call my cell multiple times a day. I work a full time and support my husband who is on XXXX XXXX times a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
On XXXX XXXX, 2016 at XXXX. XXXX I received a voicemail from Dynamic Recovery Solutions from XXXX. 

I called them back at XXXX. XXXX. I requested the name, address, and phone number of who they were calling. He kept asking if I was XXXX XXXX. I finally confirmed I was XXXX XXXX and he took a very long time to finally give me the contact information that follows : Dynamic Recovery Solutions XXXX, SC XXXX XXXX At this point, I requested to know the name and address they had on file for me. He provided an address that was added to my credit report during an incident of identity theft. 

I asked who they were collecting on behalf of and he asked if I would validate the last XXXX digits of my social security number and then read them too me. I refused to verify this information and he refused to tell me who the collection was for. 

My understanding is they should not be handing out even the last XXXX digits of my SSN to anyone, ever. I suspect they are n't a valid debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Keep getting a phone call from an area code that is local to the number I have. They say that they have to talk to me about collecting I debt. I have no debts that would be calling this way. I have done research and this particular company is known to be shady, putting things on your credit and stealing money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
I 'm not accepting calls from creditors. I am unemployed. I have no real property and we are seeking a Chapter XXXX bankruptcy. I want these calls to stop on my personal cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Strategic Alliances, Inc.
State: IL

Complaint narrative:
I received a phone call from a debt collector with FFIF-ACM Opportunity Fund claiming to represent XXXX Hospital in XXXX FL. I recorded the call which lasted for XXXX minutes until the representative hung up on me. I informed the representative that I was recording the call at the beginning of the conversation. I asked her for the address of the company. She asked me why I needed the address, and I informed her that I only deal with financial matters in writing. She refused to provide it to me. I asked ten more times for the address, to which she replied that she could n't understanding me and that I was cutting out due to my bad reception. She then stated that when I have better reception, I could call back and she would give me everything I needed. She never provided me with a company phone number and the call came from an unpublished number. She also refused to repeat the name of the company when asked. I attempted to validate this debt with another debt collection agency that formerly owned the debt ( XXXX ). The debt was never validated and was removed from my credit in 2013.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I am being harrassed at work where I am prohibited to receive collection calls on my job. It is from Central Credit Services by an XXXX XXXX @ XXXX He called my job Monday morning XXXX/XXXX/15 @ XXXX then again today XXXX/XXXX/15 @ XXXX -- I know he is violating the FDCPA law -- I want this company to stop calling my job where I can possibly lose my job and My son 's job also.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Simon's Agency, Inc.
State: OH

Complaint narrative:
They are calling every day always from a different number for XXXX XXXX XXXX AND XXXX. They never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now XX/XX/XXXX. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on XX/XX/XXXX has been removed because of this divorce. Previously in a complaint, Simon 's responded saying medicaid could not verify because the dates of service were more than 4 years out. NYS medicaid listed my college insurance as being my primary at the time, they paid out the maximum for XX/XX/XXXX, and I was not enrolled in XX/XX/XXXX. I was however covered by medicaid. The coordination of benefits is something I am not responsible for, CALL MEDICAID THE DATE OF SERVICE WAS XX/XX/XXXX it is not more than 4 years old.

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