vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
PHH Mortgage ( XXXX ) calls every month beginning from the XXXX of the month until the mortgage is paid before the XXXX of each month.My mortgage payment is current, but the calls are incessant from XXXX until after XXXX. 

I want these calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
Was given a closing date of XXXX XXXX, 2016. XXXX XXXX came and we were notified that closing that day would be impossible due to underwriting issues. This was fine, after we were notified we talked to our loan processing rep XXXX XXXX. She told us that worst case scenario the closing would be by XX/XX/XXXX. After been given this information my husband and I took a week of vacation for the week of XXXX XXXX. On XXXX XXXX the last business day before our closing we were notified that closing would again be pushed back. At this point we contacted XXXX 's Supervisor XXXX XXXX, he assured us that worse case scenario the loan would be complete and we would be able to close on XXXX XXXX. Well it is now XXXX XXXX and at about XXXX we were contacted by our loan specialist XXXX letting us know that now we are looking at closing on XXXX XXXX. This is ridiculous. Not only has my family been living out of packed boxes since XXXX XXXX but my husband and I both used a week of vacation to make sure we would be off to move. Not only have we wasted a week of our vacation but we are constantly be strung along with these false expectations of closing dates that come and go and we are n't notified until the business day before that the actual closing date will be pushed back again. We are due out of the current place we are renting XXXX XXXX, if this closing gets pushed back even further I will owe for another month of rent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: MN

Complaint narrative:
I have been dealing with numerous issues with this company, and since my last complaint when the messed up on my escrow and accidently cut me an overage check ..the agreement with XXXX a supervisor whom I spoke with on XXXX XXXX 2015, Phh had cut me an overage check for my escrow which should not have been dispersed to me because their system thought my home insurance was paid for XXXX 2015 but it had not been that 's why the check was cut to me, which caused my to have an underage in my escrow..When I spoke with XXXX we agreed to take the escrow overage and break it into 24months, so my house payment would be XXXX and some change so I rounded up to XXXX. On XXXX XXXX my bank account was charged XXXX causing my bank account to go negative XXXX, and that caused a XXXX over draft fee, so PHH charged me an amount we did not agree upon, and caused my banking account to go negative total of XXXX. I have had nothing but problems with this company, I never receive my supervisor call backs when I request them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
I made payment arrangements with Zions bank to make payments on a repossessed vehicle. I then found out that Zions bank filed a XXXX to the IRS- Cancellation of debt, making the entire amount of the loan I was currently making payments on taxable as income. 
I tried multiple times to ask Zions bank to send an amended XXXX to the IRS and they refused and then ignored my request. I stopped making payments to Zions. 
Why should I make payments on a debt that Zions bank has claimed to the IRS as being forgiven and is now counted as my income. PLUS they refused to amend the XXXX? 
They have continued to try to collect and still have refused to file an amended XXXX ( cancelation of debt ) and have even garnished my wages. I now owe the IRS for the entire amount of the loan as income and the bank as unpaid debt. 
I am now forced to file bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Integrity First Financial Group
State: IL

Complaint narrative:
In XXXX of XXXX I made an application with Integrity First Financial Group for a non-credit qualifying FHA Streamline Refinance of my primary residence. On XXXX XXXX, XXXX I received an email that was sent unsecured and unencrypted from the lender with all of associated loan documents that included non public personal information such as my Social Security number and birthdate in a pdf format attachment. 
Upon receipt of the unsecured email I contacted the loan originator that took my application and advised of the breach of security and the potential compromise of my personal data as a result of the unsecured email that was sent. On XXXX XXXX I received yet another unsecured from the lender that also contained my personal non-public information. I placed a second complaint to the lender of the potential compromise of my personal information. I eventually withdrew my application as result of excessive fees the lender was charging. 
Skip ahead to XXXX XXXX, XXXX : As a customary practice for at least the last 16 years I prepared my income tax returns utilizing XXXX software. I filed my taxes electronically on XXXX XXXX of XXXX. Upon filing my XXXX XXXX 's I discovered that the electronic tax returns were rejected by the IRS for the following reason : XXXX Taxpayer TIN in the Return Header must not be the same as s TIN of a previously accepted electronic return for the return type and tax period indicated in the tax return. I contacted the IRS to get details on why my tax returns were being rejected, this is when I found out that my tax returns were fraudulently filed by a third party. In meeting with the IRS it was determined that the possible source of the data breach was a direct result of my non public personal information sent via an unsecured and unencrypted email

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
On XXXX XXXX XXXX I received an injury while at work. for over 16 months I was off work I was able to receive my full salary for 12 of the 16 months once that stopped I started to receive Workman comp. which was far less than what I was making. I then started to fall behind in house notes. On XXXX XXXX XXXX I received a XXXX retirement from my employer as a full time XXXX on a XXXX XXXX Retirement Benefit, with a monthly allowance of XXXX % of what I was making. because of this hardship no fault my own I can no longer make my monthly house note as what they are now. I have been going back and forth with my mortgage lender Nationstar Mortgage LLC. They ( Nationstar Mortgage ) has wilfully failed in its obligation, under HAMP, in assisting me to receive a Home Affordable Loan Modification by purposely using deceitful methods, inaccurate salary numbers, false credit reports practices to deny my request for a HAMP loan.I appealed this unfair denial with Nationstar Mortgage LLC and they used these same deceitful practices to approve a HAMP loan that I still can not afford to make on my XXXX allowance. My XXXX allowance is XXXX % of what I was making before I got injured it is non-taxable. NationStar states that all non-taxable income under HAMP is grossed up to XXXX %, not XXXX % which is the standard, to a total gross income in the amount of {$4600.00}, my monthly XXXX allowance is {$3600.00} a difference of {$920.00} that I am not making and Nationstar Mortgage LLC then based my monthly house note on this false income and expect for me to be able to afford the new payments. If I applied for a loan with Natiostar Mortgage and used the income of XXXX a month and when it came time for them to do income verification and I submitted pay stubs with my real salary of {$3600.00} they would deny my loan based on false income. They would not just let me gross up my income because they know that I would not be able to pay them on money I am not making. But they expect for me to be able to pay them on money that I am not making? Nationstar Mortgage LLC has also flat out wrong financial debt that they said I have in the amount of over {$4000.00} a month which is a Lie. I have submitted to them at least 3 times with proof that my outgoing monthly obligations is about {$1300.00} to {$1400.00} a month. They failed to address this despicable practice. Natiostar Mortgage for what ever reason is not helping me but instead seems to be going out f there way to conduct another fraudulent foreclosure which they are being investigated for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 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: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I do not owe this debt. Apartment rent was paid in full, lease was expired and apartment was left in good condition. I paid a deposit which should have covered any normal wear and tear that the apartment wanted to charge for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada)
State: SC

Complaint narrative:
In XXXX XXXX I received an alert from my credit monitoring service of a negative account with allied collection services of nevada reporting on all XXXX credit bureau in the amount of over {$400.00} with the original creditor of gentle breeze dated in XXXX. I never heard of any of these companies nor have I ever conducted business with them nor have I ever received any written correspondence from these companies regarding this fraudulent account prior to it being placed on my personal credit reports. I was never given the opportunity to request validation and because this company has placed this invalidated information on my credit files, they are in violation of FCRA and FCRA. I pay my bills on time and have n't had any derogatory items on my credit reportscore in years.

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 2015-09-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Columbia Recovery Group LLC
State: FL

Complaint narrative:
I spoke with the representative named XXXX on XXXX XXXX, 2015. He cursed and was verbally abusive towards me, and my husband. Also, he offered to have me make a payment up front of {$150.00}, and I said no I could not do it that night, and when my husband called today XXXX XXXX, 2015 to make the partial payment of our debt, he called me a liar to my husband, and hung up on him. That is not professional and verbally abusive.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES
State: VA

Complaint narrative:
They call me XXXX times a day with different numbers I google the number and called back they pressured me asking for my name and last XXXX of my ss number and saying if this was me. Then they say I owed xxxxx and asking for my bank account numbers there are many scam with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
They keep calling from different numbers every week asking for money I do n't have. I 'm unemployed & have XXXX. So I finally just stopped using my phone. Which I need to have in order to stay connected with family & doctors.

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 2016-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: MD

Complaint narrative:
A ever-changing representative from 'GC Services Debt Collection ' ( XXXX ) calls my work phone number from a spoofed or sometimes local ( XXXX area code ) phone number. Without providing any details, they leave a urgent-sounding message asking me to call back to an XXXX phone number, sometimes with an extension, sometimes without. Every single version of their phone number has multiple complaints ( i.e. ) : XXXX This has been going on since XX/XX/XXXX and I have reported them multiple times to my Security office, the FTC, and the Maryland Attorney General 's office but they keep calling and disturbing my work hours. I do not dare pick up the phone unless I know the ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
I 'm getting multiple phone calls from a company called UCB for my former brother in law. I told them to stop and it is continuing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
On XXXX XXXX, I discovered an account from Account Services Collections on my credit reports. I contacted them and they agreed to remove this from my reports if I paid the account in full. I paid the account. They sent a receipt and a letter stating that they had requested it be removed from my XXXX, XXXX and XXXX reports. It has not been removed from either XXXX or XXXX as of XXXX XXXX, I disputed the account with XXXX and Account Services Collection verified the account and updated the account to " Paid ''. This was not what was agreed upon. 

They have used false and misleading statements in order to get me to pay this account in violation of the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GUARANTEED RATE INC.
State: MA

Complaint narrative:
I was charged late fees by my mortgage company after they claims that with my correct bank account number and routing number, they failed to " recognize '' my account. I have received an email confirmation for the payment that the fine was charged on, and yet without another email notifying me that they failed to charge me ( for the same charge that they confirmed! ), they charged me a late fee instead. I sense a borderline fraudulent practice to profit from customers by fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
XXXX LETTERS IN AND THIS COMPANY STILL WILL NOT TAKE THIS OFF OF MY CREDIT REPORT AND STOP SENDING ME PAPER WORK THAT DOESNT BELONG TO ME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
NATIONSTAR AND FREEDOM MORTGAGE ARE GUILTY OF FRAUD ~ The HUD/Truth in Lending Statement and the Escrow Disclosure statement on the loan origination had intentional fraud and items were left off to make the loan payment appear lower. This caused major escrow errors later and a near loss of the home from the fraud. On two separate occasions, the payment almost doubled, from {$800.00} to {$1400.00}. 

Nationstar made us aware of this loan origination fraud in XXXX 2015 but later, in an attempt to collect payments, repeatedly denied it. They even lied to government investigators to cover it up. 

Specifically, Nationstar was dishonest on the phone and in an official government CFPB filing when it denied having access to any paperwork from the prior servicer. 

We have repeatedly requested that they follow the law and rescind the loan due to intentional fraud. They have repeatedly lied and denied our request. ***Attached is a letter from XXXX confirming the loan fraud and also confirming our request to execute our right to rescind the loan due to intentional fraud***

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In XX/XX/XXXX a loan modification was approved on my loan serviced through NationStar. In XX/XX/XXXX NationStar advised me that there was an error in the XX/XX/XXXX modification and that the modification needed to be re-executed. In XXXX XXXX I re-executed the XX/XX/XXXX loan modification and returned the paperwork to NationStar. Upon inquiring with my county records office, they have no record of NationStar filing the original XX/XX/XXXX loan modification. In XXXX XXXX I received an email from Nationstar stating that the loan modification paperwork I re-executed in XXXX XXXX can not be located. NationStar continues to negotiate in bad faith by not filing the original XX/XX/XXXX Loan Modification and continuing to lose loan modification paperwork. Additionally if there was a defect in the XX/XX/XXXX loan modification why did it take approximately 2 years for the discovery. This further substantiates that the XXXX loan modification paperwork was never originally submitted to my county records office. Please see attached email from a NationStar representative confirming the loss of documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
Currently I bank with BB & T. I have had multiple issues with this bank. First issue I will like to bring attention to will be their false advertising. BB & T promotes that they are XXXX hours ( XXXX banking ) which is not true because if you deposit cash at the ATM after XXXX then it processes the next day. I complained to them about this because I think its unfair, but they said " its online banking that XXXX hrs ''. If thats the case, then why put it on the signs of BB & T. Also they charged me over draft fees, I did XXXX transactions that over drafted my account and they took XXXX fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have contacted Nationstar mortgage repeatedly regarding getting rid of my PMI, seeing as how the property meets the criteria. They informed me that I had two 30 day lates in the last year which I did not. I had one which was not late. I paid the mortgage on time but apparently there was a change with the escrow account that I did not receive any notice for. I am trying to contest that, but they refuse to call me back. I spoke to a supervisor named XXXX XXXX initially, and have left 3 messages for him to discuss taking off that late payment due to escrow discrepancy and going forward with my PMI removal. my first phone call regarding this matter was XXXX XXXX, XXXX no one ever contacted me about initial PMI request, which is why I asked for a supervisor and got XXXX XXXX XXXX XXXX who now refuses to return my calls regarding this matter. And even if they do n't remove the one late payment, that should n't have anything to do with removing my PMI. this is just a means to get more money by continuing to make me pay PMI when the property meets the qualifications for removal. Very poor customer service by not returning my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
When I got my current escrow analysis, I noticed my escrow payment was going up a considerable amount, and I knew there had to be a mistake as I made an extra payment into my escrow account to cover an increase in insurance and taxes. After reviewing the escrow analysis I noticed an error in calculating the actual dispersements. The numbers listed did not total to current number. The numbers listed in the column totaled {$4100.00}, yet the escrow analysis showed the total to be {$4900.00}. The difference is {$820.00}, which was the exact amount of my homeowner 's insurance. It 's evident someone added my insurance twice. ( I will attach the statement so you can see what I am speaking about. ) I have tried to clear this up with Nationstar. Over 6 weeks I have made XXXX calls and spoken to XXXX escrow managers and have been assured that the problem would be corrected. Yet my most recent statement still shows the incorrect total being collected for escrow. In fact I have already made XXXX payment with too much escrow in it because I did n't want a late payment on my credit report or pay a late fee. They are collecting {$410.00}, when the correct amount should be {$340.00}!! That 's over {$68.00} per month they are billing me in excess. The sad part is that I am in the mortgage industry and have an understanding of how escrow and escrow analysis works. Had this happened to the average person, they would n't have caught the problem and just sent the extra money to Nationstar. I am frustrated and just want my escrow corrected!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: NY

Complaint narrative:
WE HAVE A COMPLAINT AGAINST BB & T BANK FOR WITHHOLDING INFORMATION, NON-COOPERATION AND FAILUE TO PROVIDE ACCURATE INTEREST INFORMATION AS REPORTED ON XXXX

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