vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services
State: MD

Complaint narrative:
Hello, I am XXXX veterans XXXX to service and unable to work. I have been unable to get information from ACS education about loan cancellation. Please help get an address and number for cancellation of the debt. They have refused to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC
State: RI

Complaint narrative:
I submitted a request on XXXX to have the PMI removed from my loan, since I am below 80 % LTV. I received a generic response about a week later, basically saying " we 'll get back to you '', but as of XXXX, still no answer. Since I went below 80 % LTV in XXXX, I 've made XXXX more mortgage payments including PMI.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: CA

Complaint narrative:
These people are not licensed to conduct usury interest rate business in the state of Ca. XXXX charge a Interest rate of over 800 % XXXX These people have taken advantage of my age XXXX, thinking that I would pay, this usury interest rate of 800 % or more, from my social security check. I can not pay that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 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: DC

Complaint narrative:
Currently my loans are being held by ACS Education Services. I have been in their IBR program since XXXX XXXX. I was divorced 2 years ago, married and filing separately with XXXX individuals living in the household ). Over the last 2 years, with some modest raises, my payments to ACS have DOUBLED and the payments are now becoming unsustainable. Before the ACS IBR payment increase this year I submitted paperwork to get my student loans removed from ACS to turned over to Federal Student Aid under the REPAYE program. ACS has assured me multiple times that all of my paperwork has been completed correctly, however it 's been over 4-1/2 months and they continue to tell me that they are " processing '' my request, while I am making an unsustainable monthly payments. I call them every two weeks to check on progress. I have been told that they have " expedited '' my request ( nothing happened ), and then called again in tears one month ago and asked if I needed to contact an attorney to get help with this matter. They immediately transferred me to a " supervisor '' who " opened an issue '' with my account and said she would personally and physically monitor my account each day. I called yesterday, after 3 weeks of not hearing anything, and was told curtly that my request is " still processing. '' I fear that nothing will happen and I am struggling to pay loans, take care of my child, pay my mortgage and condo fees. My credit score is dropping because I 've been using my credit card to make up some of the difference. I 'm scared and ACS ( owned by XXXX XXXX ) appears not to care how desperately I am trying to remain in good standing and repay my debt, but under a different program, the REPAYE plan that President XXXX established in XXXX. ACS says they do not " honor '' the PAYE and REPAYE programs which calculate payments that are 10 % of XXXX 's discretionary income vs. 15 % for the IBR plan. 

I have a great job by almost anyone 's standards, I managed to purchase a small condo this past year ( and pay less in a mortgage than I did in rent ), and I am taking care of a young child. But I am on the edge of failure because I am stuck in a precarious financial position. 

FYI, My loans are connected with education at XXXX and XXXX. My only complaint with the institutions are that they let an art student who had no parental support, access such large amounts of loans. I do n't think it 's their fault I borrowed an incredibly unrealistic amount of money for my education, but I 'm not sure they cared in the XXXX and XXXX how someone was going to pay back the loans. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 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: VA

Complaint narrative:
On XXXX/XXXX/XXXX I contacted ACS in order to get assistance with bringing my account current. I was told that I did not qualify for a forbearance. On XXXX/XXXX/XXXX at XXXX I called back with a rep from the loan guarantor on the line. I spoke with XXXX XXXX who said that I was eligible for a forbearance for 4 months. She further represented that my accounts would be brought current, the forbearance had been re-submitted and was pending and she had expedited it. In XXXX I received a bill from ACS requesting a payment for a date that had already passed. I began calling ACS immediately to correct the errors to my account and deterine why it was past due. I was told that the forbearance was not applied for XXXX as I was told it would be. In addition I was told that the income based repayment that I applied for was not applied until XXXX XXXX {$13000.00} ) and therefore, I was past due for the standard amount ( $ XXXX ) for the month of XXXX. I made an immediate payment as instructed in order to prevent my account from being reported more than 30 days late. I made payments on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have contacted ACS twice a week each week in order to attempt to reach a resolution on my account. Each time I am told something different. Most notably, on XXXX XXXX, XXXX, XXXX of ACS, informed me that the XXXX payment would be corrected to reflect the payment due of {$130.00} and that the negative credit bureau reporting for the months of XXXX, XXXX XXXX and XXXX XXXX would be removed. I was told on both XXXX XXXX and XXXX XXXX, XXXX that internal investigation requests had been submitted and that XXXX would recieve results within XXXX10 business days. Despite following up on many occassion in writing, I have yet to recieve results. I requested a copy of my promissory notes on XXXX XXXX, XXXX. I have not recieved a copy as requested. I have rquested a copy of all correspondence that was sent to me since XXXX XXXX and was told by XXXX as well as a supervisor, XXXX, that ACS would not and could not provide correspondence because it had already been sent to me and ACS does not keep a copy of correspondence. My loans are being reported as 165 days days past due on XXXX XXXX, XXXX and today I was told they are 168 days past due. Each time I call the loans are past due for a different amount, a different number of days, despite making payments on time for my current payment amounts.. I have contacted this company trying desperately to resolve my account without success or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: SC

Complaint narrative:
This is a old issue that I 'm reporting. in 2011 I was in a hard spot since work load plummeted and I was barely able to put food on the table let alone pay for this student loan. I attempted to file for deferment due to economic hardship. Submitted all of the paperwork they had sent me. This was in XXXX. In XXXX they had sent my account to Collections and refused to talk to me anymore about my loan. Stating they no longer " owned '' it. Recently I tried contacting them again to see if there was anything I could do. Again told no. I tried to contact the Lender/Guarantor that is listed on my account with them still, only to reach a bunch of disconnected lines and non-existent phone numbers. The shady business practice they have has had a major impact on my credit and may impede my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Systematic National Collection, Inc.
State: IL

Complaint narrative:
On Thursday, XX/XX/2016 I was contacted via text message by XXXX ( XXXX ) XXXX from Systematic National Collections ( SNC ) claiming to want to help resolve my outstanding debt. However, the texts from her quickly became inappropriate or " in the gutter '' as she put it. Making XXXX and asking what I am wearing. I told her that these texts were supposed to be professional and that I am married.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services
State: TX

Complaint narrative:
I have paid on a consumer credit student loan since XXXX. My school did not accept federal or private loan disbursement of funds. This was living expense. After XXXX for over 10 years I am on XXXX XXXX. Consumer loans earmarked as student loans disbursed directly to me are not dischargable in ch. XXXX bankruptcy. ACS services my loan and ca n't make discussion in regard to discharge, and they will not provide me with the of the bank who owns the loan, who makes those decisions. THE PROMISSORY NOTE HAS BEEN LOST BY THE SERVICER AND THE OWNER OF THE LOAN. THEY HAVE PAGE XXXX AND XXXX. THE TERMS ARE LOST. THEY TELL ME THEY ARE UNDER NO OBLIGATION TO TELL ME ANYTHING. IF I STOP PAYING, I CAN HAVE CONTACT WITH THE OWNER OF THE LOAN. Federal loans are discharged in my situation. In bankruptcy this is no longer a consumer loan. The rules that apply to federal loans would benefit me, but now I found out the XX/XX/XXXX bankruptcy reform only punishes those with a consumer credit loan and does not afford those of us with the private loan the benefits afforded for a federal student loan holder. OF ALL OF THE RULES PERTAINING TO CREDIT, THIS IS THE MOST UNJUST AND INCONSISTENT. THERE IS NO PROTECTION OF THE INDIVIDUAL FROM BANKS WHO CREATE LAWS FOR THEIR BENEFIT. UPON MY DEATH I AM NOT EVEN ALLOWED TO KNOW WHAT WILL BECOME OF THIS LOAN. XXXX XXXX currently claims they hold the loan, but my SERVICER will not confirm or deny. Banks can change legal documents even after agreeing upon the terms and they do n't even have to keep a copy of the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: BlueChip Financial
State: WA

Complaint narrative:
I got a loan through spotloan and paid them almost triple what I owned. I called and said how come my bill goes up every month even though I made payments to no answer was given. I told them I 'm done paying cause it 's not right to charge false fees and then found out it was illegal for them to operate in washington state and they still tried to collect and even sold my loan off. No after paying almost XXXX grand they want another XXXX for a XXXX dollar loan. This is extortion and flat of theft. I want them to leave me alone and realize the state of Washington does not recognize them as a legit buisness and per RCW law it is illegal to collect. I was honest and paid back what was owed but it was never enough for them. I 'm done trying to be bullied and harrased into paying more

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 2016-03-14 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: PR

Complaint narrative:
For the second year in a row, I have submitted my Income Based Repayment Forms as per the Instructions for Submitting the Request included with the form ( see attached ). I sent it via fax in XX/XX/XXXX in order for it to be processed by XX/XX/XXXX. I believe it is absurd to have to submit the paperwork three ( 3 ) months in advance in order for it to be processed ; nevertheless I followed the instructions given. 
Once again, I am forced to resubmit the paperwork by email ( an option that is not available on the Instruction form ) and I have to wait 7-10 days for the email request to be processed. It will then apply to my XX/XX/XXXX statement, forcing me to agree to forbearance as I can not make the required payment for XX/XX/XXXX ( which is why I am asking for IBR option in the first place ). This means that the interest for this month will be capitalized to my student loan because of ACS 's negligence in processing my timely request for IBR. Attached are the forms I submitted on XXXX XXXX for my XXXX XXXX payment, along with the fax confirmation that ACS received the paperwork. 
In XX/XX/XXXX, the same thing happened. I submitted the paperwork in XX/XX/XXXX for IBR by mail and they also indicated they had not received it. I resubmitted by fax and again they indicated they did not received it. This caused negative reporting on my student loan and again, the only other option available was to request forbearance and have the interest capitalized on my loan. They processed my request in XXXX XXXX after multiple attempts to have my request processed. 
As you may know, it is hard enough dealing with repayment on student loans that ACS has to add to the burden by having unreliable methods of communication, requesting unreasonable efforts on behalf of the students to submit a simple form and by forcing students to have the interest capitalized when ACS has failed to process and IBR request by only offering forbearance as an option. 
Remove any negative reporting during XX/XX/XXXX, apply any interest capitalized as a result of ACS 's negligent servicing of my student loan to my loan principal, add the email address ACS uses to process the request to the " Instructions for Submitting the Request ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 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: FL

Complaint narrative:
I 'm charged late fines when it does n't show anything overdue. I have emailed and spoken to a representative about the matter, but they say I 'm not paying enough with the interest. However, it never states on my bill what I need to pay to actually cover all the costs to avoid the late fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GULF COAST COLLECTION BUREAU, INC.
State: CA

Complaint narrative:
The debt collection agency has made no attempt to contact me, will not answer emails/inquiries/phone calls. Did not respond to request of verification of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
A company calling themselves 'National Credit Adjusters ' has made seven calls ( and counting ) in one day to me, XX/XX/2016 all from my local area code of XXXX. This is spoofing, which I know is against the law and though they are not leaving a message only one number rang back to them which was listed as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: AR

Complaint narrative:
I went to drive time with my granddaughter to buy a car. I was told I had to " cosign '' for her. She did not make timely payments however has paid XXXX more than if she had. This has my credit looking very poorly. Drive time refuses to sent me itemized statements. And to top it off I was told I was n't a " cosigner '' at all. Her names nowhere on the contract yet she signed the same paperwork I did.

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 2015-11-03 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I opened a Scottrade Bank account a while ago. Scottrade Bank closed the account without providing a proper explanation. I have requested an explanation from Scottrade but every time I call them they say they will only speak to customers and since my account is closed I am not a customer. 

I would warn others of this behavior, if you have any dispute with Scottrade, I would advise that you withdrawal all of your funds before brining it to the attention of Scottrade as it is likely Scottrade will place your money in limbo and not allow you access to it. 

Now Scottrade wo n't even respond to my complaints. If this is how a business treats customers, well, I will happily take my money elsewhere.

Company response to consumer: Closed
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Credit Adjusters, LLC
State: OR

Complaint narrative:
calling continually at place of employment threatening action against me if I do not pay. They have been told not to contact me at place of employment and have said they had been provided permission to do so which is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAND HOME FINANCIAL SERVICES
State: OH

Complaint narrative:
Land Home Financial is reporting a debt discharged in CHXXXX Bankruptcy on my credit reports. I have notified them of this error previously and they have admitted their error but every year or so they start reporting the debt again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Hillcrest Davidson & Associates
State: NM

Complaint narrative:
Calls are being made to an public office phone, frequently and repeatedly after being told it was a business phone, requested calls only be placed to home/cell. Sent cease of communications, The company is based in XXXX TX. it 's Hillcrest/Davidson and Associates XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX the account in dispute is going to legal action as the contractual period for the alarm company had expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-28 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: MA

Complaint narrative:
This company : -Does not provide customer contact information -Does not send notifications -Does not notify specifically when your repayment status changes ( e.g., when deferment ends ) If you are late in making payments for the above reasons, the company : - Continues reporting your account as past due EVEN AS YOU MAKE PAYMENTS on time - Continues marking your account as delinquent so that you can never get ahead - Does not provide documentation of past payments - Does not offer payment plans to take care of past due amounts I would also like to emphasize that reaching them is nearly impossible, so you are effectively sending money into a black hole with little verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
My husband & I have been living in our home for going on four years. We have received our mortgage from XXXX XXXX in XXXX, Il. They kept our loan for about 8 months & it sold to XXXX. For the last four years our taxes have NOT been paid on time. Which has resulted in a headache and worry for myself and our family. Our name has been put in the paper for something we can not control. We have escrow & I am sick and tired of having to fight & deal with this problem every year. Our mortgage now is with PennyMac who I dealt with this situation last year. When I spoke to the representative I asked the CSR if I needed to send the tax bill to them next year to fix the problem I was told no & assured that this would not happen again. I am sickened & thoroughly annoyed with this situation. We have escrow so I do not have to worry about situations like this occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION
State: PA

Complaint narrative:
I asked for initial application showing where i signed for this debt non produced.The debt collector stated the name as XXXX.My name is XXXX.Im currently XXXX i didnt open this account i think the info is mixed up.Please delete off my report.Im currently qorking with debt doctors and filing bankruptcy.I have no success to get off my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: LA

Complaint narrative:
I ca n't access my account because it says my card is not activated but the money is showing on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06 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: NRA Group, LLC
State: NY

Complaint narrative:
I contacted National Recovery Agency with a debt validation request and they failed to respond to my request. Please investigate this matter. I do not recognize this collection account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation