vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Complaint : Quicken Loans pull credit report of clients instead of collecting and evaluating available information from clients to determine pre-qualification. This malpractice, even for clients not approved, negatively effect their credit. 
I submitted online the information of my property in Florida that is under water. XXXX XXXX ( ( XXXX ) XXXX from Quicken called back and without providing basic information about and requirements of HARP, insisted that I provide my Social security # so she can pull my Credit Report. When I asked what are the requirements she persisted to get the information from my report. When I provided her my credit score and current loan type she still insisted that I give her my SS # because " Most Clients do not know how to read their credit information '' I objected to be classified as " most clients '' and requested to speak to a supervisor. XXXX XXXX came on the line and also insisted that i give my SS # for them to determined my eligibility for the HARP program. I informed him that my credit is excellent, provided my credit score of XXXX and my current loan type ( not FHA, VA, XXXX nor XXXX ) and asked him if I qualify. He insisted that he can not tell me unless he pull my report. I complain that pulling my report before checking if I qualify based on the information I provided will affect my credit even if I am not qualified. He repeated, " Most clients can not read their credit report. '' I again objected to be classified as " Most clients '' or a flock of " dumb sheep '' as I interpreted their remark. I then request information of external agencies to make a complain. He told me that he has no other information and transferred me to Quicken Client Relations. XXXX came on and repeated that it is Quicken 's Policy that their loan officers pull credit report to determine eligibility since " most clients '' do not understand their Credit Report. I again requested information of external agencies to make a complaint and was told that she has no information to give me. I next ask to speak to her manager. XXXX XXXX ( XXXX ) XXXX ext XXXX in XXXX MI came on and again referred to " most clients '' are not able to read their credit report and refused to provide me with an agency to make this complaint. 
In conclusion, Quicken Loans policy to pull credit report before pre-qualifying the client based on information obtained from the client and with no concern for the negative effect of pulling the credit report is a bad practice and should be amended in the interest of the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Nationstar Mortgage purchased additional flood insurance for me, when they should n't have, this created an escrow account with a negative balance. I filed a complaint ( with you ) several months ago, and that It thought was resolved. I have received a letter from them that it was, however, I log on today to pay my account and it still says I owe {$34.00} in my escrow account. I spent 43 minutes on the phone with them being transferred 4 times, to be told by each person. " I no longer have an escrow account but I do owe the negative balance '' .... the last person I spoke with.. XXXX badge # XXXX said it was to have the escrow account opened and closed. I am shocked!!!! I told her " they opened the account and closed the account, why do I have to pay for that? '' She could n't answer me, she was going to transfer me again. I am exhausted with the amount of time i have spent on the phone with this company. Please HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I agreed to short sale my home with Nationstar for a set amount, less than what I owed, however, the home sold for more and Nationstar was made whole. At the time Nationstar executed the Purchase contract they agreed to give me {$36000.00} in relocation fees, which they are reneging on. XXXX : XXXX - Short Sale - XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX : Nationstar XXXX No : XXXX : XXXX Bank Account No : ****************Re : Relocation Funds for Seller XXXX and XXXX XXXX XXXX find the XXXX XX/XX/XXXX bankruptcy documents. The Discharge and Final Decree from the XXXX Bankruptcy Court, XXXX California XXXX XXXX ) lists XXXX XXXX ( taken over by XXXX Bank XXXX as a creditor, and confirms the debt was discharged. Attached also find the notification from the creditors meeting, confirming the date of recording, and that the court has determined the date of the lien is XX/XX/XXXX. This can be also be confirmed by the title report in your possession, and has been confirmed to us by the Nationstar 's attorney at XXXX Foreclosure Corporation. Also, attached please find the Notice of Motion for Relief of Automatic Stay, Proof of Service of Notice for Motion for Relief of Automatic Stay, and Relief from Stay. In the bankruptcy, only the XXXX lien, which is the mechanics lien, and the XXXX lien, the deed of trust now held by Nationstar, were not discharged. All other debts, including the debt of XXXX XXXX, the lien for which is now held by XXXX Bank, were discharged. The bankruptcy documents clearly show the XXXX XXXX debt as discharged. The bankruptcy documents clearly show that the only XXXX valid liens are the mechanics lien, and the Nationstar deed of trust, and these same documents confirm that the XXXX lien is the mechanics lien, and the XXXX lien is the Nationstar deed of trust. This information is all a matter of public record and is easily available from the XXXX Bankruptcy XXXX, XXXX California XXXX XXXX ). XXXX is not entitled to any funds from the sale of my home they did not exercise their rights within the Bankruptcy court nor did they show up for any of the proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Our mortgage was sold to SPS by XXXX just a couple weeks before we were going to be closing on our short sale. We have been working with SPS since XXXX and initially they ran our request for short sale under the wrong terms so it was denied. After finding that out we had to resubmit all the paper work, by our short sale specialist, who called every week and asked how things were going was told they had all the necessary information and were waiting for a decision. At the end of XXXX they mailed us a letter saying that the terms from the second mortgage do not meet their requirements, which was never communicated to the short sale specialist any of the times she called. We were able to work with the second mortgage to get a different settlement term with them except that we need to close by XXXX which SPS has been aware of. We have had all the paperwork turned in since the beginning of XXXX and still have no answer from them. Every time you call it 's impossible to speak to a supervisor or manager and the " relationship manager '' they assign is a joke, the person never calls back and their extension always rolls over to the same people you were speaking with before. They have said they have " escalated the file '' and that 's all they can do when you ask to speak to their supervisor they say they can not do anything else. They put a " ticket '' in for the relationship manager '' to call you back but they have XXXX48 hours and that 's all they will do. I 've explained to them multiple times that we have to have an answer by the XXXX or we are going to lose this short sale and they could care less they say well it could take 30 days and there is nothing they can do besides " escalating '' the file. I feel like they are getting some sort of monetary kick back from someone to prolong this process. They are horrible. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CO

Complaint narrative:
PHH Mortgage bought our loan from XXXX. They failed to apply the funds from our original escrow account to our homeowners insurance company. They claimed that they sent us a disbursement check twice, but we have not seen this. They are now claiming that we owe them more in our mortgage because they are charging us for XXXX escrow accounts, since they are claiming that they sent us the disbursement check and they paid our insurance company. They have not sent the disbursement check and it has been more than the 30 days required for them to resolve issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: VA

Complaint narrative:
THEY CALL EVERYDAY XXXX TIMES A DAY AND I TELL EVERY SINGLE XXXX OF THEM SAYS THEY WILL TAKE ME OFF THE LIST AND THEY DO NOT!!!! THIS IS UNACCEPTABLE! 

THEY ARE LOOKING FOR XXXX AND HE DOES N'T LIVE AT THIS NUMBER BECAUSE THIS NUMBER IS A XXXX, WHICH I 'VE ALSO SAID BEFORE. THIS DISRUPTS THE FLOW OF MY OFFICE AND IT MUST STOP. 

XXXX OF THEM ACCUSED ME OF LYING AND SAID THEY WERE GOING TO TAKE THIS XXXX GUY TO COURT IF HE DOES N'T COME TO THE PHONE ... WHAT?!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NM

Complaint narrative:
XXXX XXXX wrote a mortgage to me for purchase of a home, then assigned servicing responsibilities to PHH Mortgage services. 
I changed the mortgage date on their website from the XXXX to the XXXX, but the website said that this would have no impact on the XXXX payment. I called PHH to attempt to fix this twice, and both times they said that they have no capability of changing the date for the next collection if the request is made after the XXXX of the month before. 

I will remind that this is not a technical limitation because the actual speed with which the systems responsible for this process talk to each other is 300,000 kilometers per second, or about 6 orders of magnitude faster than their stated capabilities. Also, as a XXXX XXXX, I can state that dealing with any software issues could be done by a single developer in half a day. 

This problem exposed a far deeper problem, which is the lack of ownership. PHH has no motivation to provide good customer service because the ultimate customers are never consulted in account assignment. Why fix a problem if it 's cheaper to force NSF charges and then collect the revenues?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I am receiving calls from a company that asserts that I still owe money on an account that I paid off in XXXX 2013. 
This account shows " paid, closed '' on my credit report since XXXX 2013.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: MN

Complaint narrative:
I have had nothing but problems with PHH Mortgage company for the last threeeyearsand my stories could go on but let me explain whats currently happening, a few months ago in XXXX I decided to go through a new home insurance company which cut what I was paying for insurance in half, so in XXXX I called PHH advised them I needed them to do a reanalsys so that my mortgage payment that month was n't as high as if I was still with the old insurance company, Both my agent and I faxed in multiple copies of my decloration page and also had a XXXX way call with do represenatives and my agent and I on the phone confirming they had my new insurance information. They informed me after the re analsys that i will be receiveing an overage check for about XXXX because by escrow had an overage which makes sense because it was time for renewal. well i received the check, used the money and now in XXXX i receive a letter saying my escrow is short XXXX $ how its that possible? so i call phh and they say the overage check they cut me i was suppose to pay my insurance, well i have never paid my insurance out of pocket, its part of my escrow. they said they letter attached to the check they sent me explain its, well they are wrong the letter says nothing of the sort and i was never informed. i have the documentation that there were funds left in my escrow they are also saying they paid my insurance because i never provided my insurance information which is untrue as well. now since Friday XXXX/XXXX/15 i was waiting on a XXXX supervisor return call, and still have not received one. I also have to pay PMI which is costing me about XXXX $ a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: IL

Complaint narrative:
Called phh mortgage on XXXX XXXX, 2016 and they confirmed they had received our checking acct info via fax and would apply it to next months mortgage payment. This was not done and now they are trying to charge late fee. Multiple phone calls have not resolved this issue. I do not want to keep paying for my loan over the phone and incurring a {$17.00} servicing fee imposed by Phh. I believe phh purposely does n't apply automatic debit processing so they can charge their customers additional servicing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sherloq Group, Inc
State: PA

Complaint narrative:
In XX/XX/XXXX I was working XXXX and was covered XXXX to pay for XXXX exams and all medical visits. Do n't understand why XXXX XXXX XXXX charged me {$560.00} for Med- test and send to collection since I never received any bills. I retired in XXXX, XX/XX/XXXX and moved XXXX. I believe this account should be cleared up with XXXX and XXXX. Since XXXX, XX/XX/XXXX I resides XXXX. I need to clear my credit account and this is an unnecessary debt account and must be removed from my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: NC

Complaint narrative:
I entered into a 4 month trial mortgage modification in XXXX 2015. At that time I paid a reduce of amount of mortgage until the end of the trial. At the end of the trial I was offered a 40 year mortgage, which I refused. I was told at the time of the modification if I did not choose to permanently modify, my mortgage payment would go back to the original amount. However, I found out a month later that I was charged the difference, which meant I was a month behind in a mortgage payment. I WAS NEVER LATE. Now, I am paying a higher mortgage to make up the difference and they are reporting me late to the credit bureau. It is not FAIR!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT. I SEE I have a collection for a car that was repossessed. OnXX/XX/2015 contacted the company and ask for verification then againXX/XX/2015 After XXXXdays the proof was not provided In a timely matter which states it should be null and void.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
I had a debt that was issued by the Ohio Attorney General 's office for a school debt. This debt was handed over to the Law Officed XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX Ohio. 

I was contacted XX/XX/XXXX about the debt and immediately arranged payment arrangements. 

I 've been making payments as agreed on time since XX/XX/XXXX on the balance owed. Repeatedly during that 1 year time frame I receive calls at least once a month despite " making my payments like clockwork ''. 

In XX/XX/XXXX the USPS lost a priority mail payment and i did my due diligence and contacted the debt collector inquiring about the lack of received payment and gave them a payment over the phone. I also instructed them to NOT cash my first check if it finally showed up. They proceeded to cash the check when it arrived 10 days later anyways but my bank resolved that. 

Today, in XXXX, i received a call at my job from a different rep demanding I double my monthly payments or be sued and have my wages/taxes garnished. 

The threats continued thru this conversation despite the rep, XXXX XXXX, agreeing that i 've made " all my payments like clockwork '' in accordance with my payment arrangement. Some of the threats made by the rep, were in her words, on behalf of the Ohio Attorney General. 

I do n't know what is legal in this regard but if I 'm adhering to my payment arrangement then I should n't be receiving calls at my place of employment demanding I double my payment or face a lawsuit and wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
When I purchased a vehicle from XXXX XXXX in XXXX NY, I paid {$5000.00} as a down payment on a vehicle that cost {$10000.00}. The remaining balance was to be financed and paid in 1 year. The amount financed did not reflect the down payment and the amount financed was not the price that was agreed upon. The numbers were modified without my approval or consent. There is a huge discrepancy in the amount agreed on at the dealer and what the finance company had.

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 monetary relief
Consumer complaint received 2016-06-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
The company calls me non stop back to back and when I do talk to them they threaten to have warrants put agianst me and they threaten to have the police come to my house to arrest me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc.
State: UT

Complaint narrative:
My mortgage company " American Financial Resources '' has charged me {$5.00} to {$10.00} extra for my monthly mortgage payment, depending on which day I pay. Typically, after the XXXX of the month a {$5.00} fee is added in addition to my payment. After the XXXX of the month a {$10.00} fee is added in addition to my payment. The official late charge is never assessed unless the payment is received after the XXXX of each month. My mortgage payment is not due until the XXXX of each month. There extra fees do not appear on my XXXX form for tax purposes. Are these fees charges by AFR ethical or legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credit Central Holdings, LLC
State: TN

Complaint narrative:
They have called my wife multiple times in the same day after leaving a voicemail on the first attempt, which is a violation. They also put an unsealed open collection letter on my front porch while I was at work, which blew into the neighbors yard, where my neighbors read it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I am trying to obtain a deletion letter from Allied Collections, because I am trying to buy a home. When I made the payment, the person I spoke to, said they will provide me with a letter stating I no longer owe them the debt. I spoke to my Lender, and she said, she has received a deletion letter from Allied Collections about 3 days ago. I 've called several times Allied Collections in the last three days, and they refuse to provide me with the deletion letter. I do n't understand why they refuse to provide me with that letter if the debt has already been paid.

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 2017-03-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: AZ

Complaint narrative:
Allied Collection Services received a certified letter in the mail asking for validation of debt. In response Allied Collection Services sent a statement without validating or providing enough information for myself to validate and verify the information. I have no idea what this bill is for, I do n't recognize this bill, I do n't have enough information provided. Per HIPAA I have the right to the breakdown of fees including any collection cost and medical charges. I am supposed to be provided with a copy of my signature with the provider of services that is allowing them to release medical information to Allied. I have not received anything outside of the attached statement.

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