vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SQUARETWO FINANCIAL CORPORATION
State: NE

Complaint narrative:
This complaint is in regards to Square Two Financial. Refer to CFPB case number XXXX regarding CACH, L. L. C. Square Two Financial has utilized my entire social security number to include date of birth on the pfd document listed with this complaint. The initial complaint was with CACH, L. L. C. and not Square Two Financial. This is in breach of the following : 1. Identity Theft Assumption and Deterrence Act of XXXX 2. Privacy Act of XXXX XXXX. Social Security XXXX 4. XXXX Privacy Act-which carries a maximum XXXX fine for each calendar cap year. 
5. Breach of Title XXXX, XXXX XXXX XXXX XXXX under XXXX and XXXX The solution is to have CACH, L.L.C handle this correction and not Square Two Financial. Two Square Financial submitted the XXXX XXXX XXXX with their subscriber name on the form listed on CFPB case # XXXX they are rendered liable in this matter. In addition, there is an account number associated with this Universal Data Form and they could use that account number instead of a SSN and DOB which is against XXXX XXXX XXXX This is also includes removal of the XXXX XXXX Form off of CFPB case # XXXX listed as a pdf document attached to this case number. Square Two Financial was contacted at XXXXXXXXXXXX as of XXXX/XXXX/XXXX by e-mail in regards to this matter. In addition, all of my information is not for sale and distribution via fax, fax-scanned, copied, stored in a retrieval system, recorded, transmitted digitally or electronically without my expressed written consent. This information is protected under copyright and publishing laws of XXXX XXXX and XXXX XXXX. This information is protected under the XXXX XXXX XXXX XXXX XXXX under the freedom of speech under XXXX XXXX XXXX to include the Uniform Commercial Codes XXXX and XXXX. These rights are reserved world wide.

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 2016-09-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I spoke with XXXX from their office regarding Acct # XXXX - {$230.00}. I paid the bill in full confirmation # XXXX on XXXX XXXX, 2016 and XXXX agreed to have the account status be updated immediately with an account deletion from my credit report. Account is still listed as open and unpaid on my credit profile. I have contacted them numerous times via calls and email and letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Checked my credit on XX/XX/2016. I have never received a notice from XXXX kendwood services. XXXX has stated that I owed {$670.00} to them. They have sold this debt to a a collection agency called Midwest Recovery System and reported it to the credit bureau. I have never received no confirmation of owning this debt.

Company response to consumer: Closed
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: BlueChip Financial
State: WA

Complaint narrative:
I was contacted by XXXX XXXX, who identified himself as the Lead Investigator for XXXX XXXX XXXX on XXXX XXXX, 2015 at XXXX XXXX. In the voice mail that was left on my cell phone, this gentleman divulged private information, including my social security number and stated that a lawsuit had been filed. Minutes later, he called me at work and left a voicemail stating that I have 5 days to call him or that legal action would be taken. To date, I have not received anything in writing from this collection agency.

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 2017-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
I worked with a lender called XXXX XXXX, who later sold my mortgage to PennyMacUSA. At the time of loan origination, which was XXXX XXXX XXXX, the escrow balances on the account were XXXX for property taxes, XXXX for HomeOwner 's insurance, and XXXX for PMI. So the escrow amount per month is XXXX. The principal is XXXX and the interest is XXXX for a grand total of XXXX per month for a payment. Fast forward to XXXX, the Homeowner 's insurance went to XXXX per month. I received a bill for XXXX for the new monthly payment. When I contacted PennyMac USA, they claim that a the end of each year from the loan origination date, the escrow has a shortage. 

My take : If I am paying my mortgage every single month including the escrow amounts, then at the end of the year, my escrow should be paid off. This does not seem to be the case and therefore, I need this corrected. I was expecting a XXXX dollar increase per month which made sense to me since I am under the assumption that the escrow modification would have been XXXX which would necessitate the increase in the mortgage payment per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX, SC XXXXXXXX/XXXX/XXXXNational Credit AdjustersXXXX XXXX XXXX, XXXX XXXX XXXX, KANSAS XXXXRE : Letter of Intent to SueTo Whom It May Concern : This letter serves as the formal notice of my intent to file a lawsuit against National Credit Adjusters for {$12000.00} as a result of violations of FDCPA 813. Civil liability [ 15 USC 1692k ], FCRA [ Title 15 United States Code Section 1681 ], TCPA [ 47 U.S.C. 227 ]. 
I was contacted by your company which called my cell phone on an auto dialer at which time I was made aware of an account fraudulently opened with XXXX. At that time I informed said collector the account was not mine and requested validation I also informed said collector to XXXX & XXXX the account until full validation was provided. Yet to my dismay the calls continued and no mail correspondence has ever been received. I had filed an initial complaint with your company at which time I was advised that the account would be closed and I would be mailed a letter that the account was satisfied. Now several months later I have requested that letter and it has never been provided. Now I have checked my credit and this account is listed on there as a collection/chargeoff account which has had an adverse effect on my credit and my ability to obtain credit. Your failure to update the credit bureaus and original creditor have caused me financial harm i.e. increased APR percentages on my loans/credit cards as well as being out right denied for lines of credit. Constituting actual damages. 
If you wish to resolve this matter without court action, a check or money order for {$5000.00} must be received by myself at the address listed above in addition to removing the account from all XXXX major credit bureaus within 14 days. If I do not hear from your company, I will initiate a lawsuit. I believe that is a fair and reasonable settlement considering a previous lawsuit I filed the business incurred legal fees in excess of {$5000.00} prior to agreeing to settlement. I can be reached by email at XXXXXXXXXXXX or XXXX : XXXX XXXX XXXX XXXX XXXX XXXX of Suit Other Statutes - Other Statutory ActionsCause XXXX Fair Debt Collection ActCase # XXXX XXXX XXXXYour prompt attention is appreciated, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
PennyMac Loan Services is saying they are unable to provide home mortgage assistance due to a temporary financial hardship. We have been going back and forth with the company for XXXX months providing all the documentation we can and they now say that due to a job loss ( that was present at the time of initial application ) they are unable to provide any mitigation ( no loan modification, no temporary forbearance ). It is my understanding that those types of plans are meant to assist homeowners in keeping their home during a financial hardship. PennyMac Loan Services does not seem to provide these types of services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services
State: MD

Complaint narrative:
I graduated college in 1999 and was a XXXX who did not make enough to pay the bill. I have since changed careers and make enough to pay the minimum payment but my balance is not going down. My loan has doubled in size. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Hillcrest Davidson & Associates
State: FL

Complaint narrative:
I keep getting calls and text messages from Hillcrest, Davidson & Associates Threatning to take legal action and credit reporting on a debt that I nothing about nor do I owe. 
I had to block their number since they will call at all times of the day and into the evening after I have told them that aim not the person they need to see or speak to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-25 00:00:00
Product: Other financial service — Refund anticipation check
Issue: Fraud or scam — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
on XX/XX/2016, the sprinkler system in my house failed and cause damage. All state did the evaluation and send a XXXX party check of XXXX named the Bank ( PennyMac Loan Services , LLC ) and homeowner ( me ) has the payee. The agent for the bank instructed me to endorse the check and send them. They will deposit the check and release the funds as the work progress in installment. I did as per their instructions. Made several Phone calls nothing happened. Today is XX/XX/XXXX. 
Now they are telling since we are in bankruptcy/ litigation. We are not going to release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: GA

Complaint narrative:
XXXX XXXX XXXX, claiming to be an independent processer- -in conjunction with XXXX County Georgia , has been leaving messages on my cell stating that I need to call him to verify my address in order for him to serve me legal documents. He 's also been calling my mother and other family members- -My mother is XXXX years old. On XXXX/XXXX/XXXX, XXXX XXXX XXXX called from XXXX XXXX XXXX stating that he too needs to verify my address and schedule a delivery of legal documents. He called from XXXX, but stated that I need to return his call to XXXX ; which happens to be the same phone number that XXXX XXXX XXXX is calling from. Because these calls sounded very suspicious, I googled both caller names and phone numbers and found that these gentlemen are " intimidators '', so to speak. Upon returning their call, the consumer is transferred to a payday loan collector. Therefore, I suspect that the calls to me are for the payday lender Spot Loan. I borrowed from them in XX/XX/XXXX and repaid nearly twice the amount of the principal. After learning from a credit counselor that I had overpaid this loan and that the lender is illegal in Georgia, I took action and stop paying them. I sent them a cease and desist letter by certified mail. My letter included a detailed explanation of my non-intent to render any further payments.

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 2016-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: CA

Complaint narrative:
I recently had a hard pull from ACS Educational Services , Inc. on my credit report. I am not familiar with ACS Educational Services. I did recently apply for a Direct PLUS loan from XXXX, however I noticed ACS is not a Direct servicer. I tried to call ACS but they only accept calls from current customers, which the system stated I was not. I have filed with the Ombudsman at XXXX as well, but I wanted to file a report here because my grad school financial aid has never heard of ACS Educational Services , Inc. and was not able to verify if they were a Department of Education contractor or not. I am not sure if that hard pull is related to the Direct loan or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
They keep calling my work saying they are trying to find my whereabouts always wanting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: BlueChip Financial
State: LA

Complaint narrative:
Advertisement from lender below / Waving balance of loan for on time payments ... .Various Text Messages Received I fwd e-mails following up to lender as well additionally called but they do n't reply. 
This appears/apparently to be a scheme to continue monthly payments. 
Most recent i called to speak with a manger about the matter. The gentleman claims to be be a relationship manger stated he would have a manager call he knew nothing about the text. It have not happened of yet. Today I received a e-mail from : XXXX Relationship Manager.. I called immediately and they claim she was not in to review the matter. 
Text received : ( Spotloan ) Nice job making your 2nd payment! If you make the next 2 payments, you may get the rest of the loan forgiven! Reply STOP to opt out of texts. 
Reply - Wow cool!!! 
All Text and e-mails are saved for review.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: GA

Complaint narrative:
Some years ago my husband got a car from Drive Time which unfortunately was repossessed some years back. He ended up passing away last year. A few weeks back I was looking to co-sign for my son a car when and realized that Drive Time had just recently put on my credit report that the car was repossessed as if it just happened recently. On top of that I never co-signed for the loan as I had no source of income at the time but my husband. I am currently on a fixed income ( widows pension ) with Social Security and have tried numerous times to get in touch with Drive Time in order to get the paper work showing that I never signed on the loan but they have failed to come through as I just gets the run around with them and it has become so frustrated. This is not only a new burden I am facing but also brought my credit score to a low XXXX. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MS

Complaint narrative:
I purchased the home in XX/XX/XXXX and my son passed away in the home XX/XX/XXXX. He was only 7 months. I struggled with XXXX until XX/XX/XXXX when I succumbed to it. I went into a XXXX for 1 week then I went on a XXXX leave for 3 weeks after that. When I returned to my job, where I was making close to around {$3500.00} a month, I found that they had replaced me and placed me in a lower paying position where I was only getting paid half of that. I can not, financially or mentally, live in the property. My mortgage is being serviced by Penny Mac Loan Services and XXXX XXXX, my SPOC, told me that there is no opt out option for USDA loans and that I would qualify for a repayment plan? I 'm not sure how, being my income dropped. All I want to do is a deed in lieu. I told him this and he is now asking for documents that I have already sent him XX/XX/XXXX. So, it seems to me that they are very unorganized or just throw away my paperwork. I 'm very upset with the way they are handling this. Not to mention, the lack of sympathy. I do n't mind paying what I am delinquent for, but I will contact USDA myself about doing the deed in lieu, because Penny Mac seems to want to give me the run around instead of trying to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
In XXXX XXXX, account with XXXX XXXX was placed in collections and transferred to National Credit Adjusters ( NCA ), per credit report, and open date reported XXXX XXXX, inaccurate. 

From XXXX XXXX, NCA contacted me and family received phone calls and my personal information was disclosed to family members. I received at least ten phone calls per day. I was threatened with communication tactics including numerous phone calls. I received phone calls and voice messages stating that a sheriff would serve me papers at home or work if debt was not paid, and I had one or two days to contact them before I was served. After the phone calls and threats, I contacted NCA. 

On XXXX XXXX, XXXX, I called NCA to get info about account. Was told account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX, and that they did not have my file anymore. 

XXXX XXXX, XXXX, I contacted XXXX and they stated that I owed a balance of {$640.00} balance, and if I paid {$320.00}, would receive a paid in full letter via mail, I paid the {$320.00} to XXXX. 

On XXXX XXXX, XXXX, sent an email to XXXX requesting a paid in full letter ( pifl ) and they provided me with a {$0.00}, in which they emailed me a letter ( see pifl letter ). 

XXXX XXXX, XXXX, I contacted NCA and representative stated I could send them the pif letter XXXX sent to me, and they provided me with an e-mail address. I emailed the pifl to NCA and received a response stating they could not accept letter, but need the correspondence directly from XXXX. 

After many calls to NCA, and them stating that they do n't have my file anymore but to contact XXXX, but NCA are reporting account. It is frustrating. For example, XXXX call to NCA, I spoke with a representative she stated I should 've paid debt in XXXX and the balance will not be changed overnight and I should 've paid debt a long time ago and they will continue to report {$640.00} on the XXXX and the XXXX of each month until they receive correspondence from XXXX. 

On XXXX XXXX, XXXX, I requested that XXXX send pif letter to NCA to update my {$0.00} balance. 

On XXXX XXXX, XXXX ; I was notified from credit bureaus that my balance with said account was {$320.00}. 

On XXXX XXXX, XXXX, I e-mailed NCA again to update accurate information with {$0.00}. 

NCA are still reporting that owe {$320.00}, last reported XXXX XXXX XXXX, XXXX ) and payment status is reported as a collection/charge-off, account status derogatory, no payments reported. They are still reporting the XXXX and XXXX of each month with inaccurate information. 

I have not had a pay day loan with XXXX XXXX since XXXX, never received verification of debt, but was scared of the threatening calls and being served papers by the sheriff office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OK

Complaint narrative:
My mortgage got sold to Greentree. About 18 months ago I had a loan modification ( even tho I was not late ). They presented an amount of payment ( {$540.00} ). I pay $ 827 monthly ( proven by my bank statements ). They 've since sent monthly statements with varying amounts due. When asked why these amounts are different than the signed modification, I get no answer. Now they are saying I 'm late and have started forreclosure proceedings. I 've proven to credit bureaus and to Greentree my payments but they do not care. I see lots of civil suits and complaints on this company. I 've had nothing but nightmares with them. They also refused my personal insurance when I recently changed insurance companies, until they finally accepted the insurance, but not without trying to tack on their exorbitant rates.

Company response to consumer: Closed with explanation