vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My current mortgage is Nationstar. I fell behind on my payments and started bankruptcy in XXXX after reduction in hours at work. In XXXX XXXX I defaulted again w Nationstar and my bankruptcy case was dismissed. Since this in XXXX XXXX when it was dismissed I have tried to do loan modification. After filing all the forms they requested they kept making excuses that my paystubs could n't be read. To resubmit this and call back next week. End of XXXX XXXX I still had not gotten anywhere because they were still not happy with my paystubs and trying to read them even after explaining paystubs work days and check amt. I hired a company to modify loan for me. Again they made me resubmit all the packet since they no longer had my paper work. Again complete paperwork requested was submitted last Fri they are requesting wages for a week in XXXX I did n't work. They also requested I resubmit their tax document form XXXX XXXX current date and not the date of when I first filed in XXXX XXXX. In the meantime they somehow put a for sale date on my home for next week XXXX XXXX and failed to inform me. I have to resort to spending another XXXX to file bankruptcy again. The balance on my loan? {$14000.00} The company I hired has worked w them in the past and the person helping me directly says they are clearly trying to keep the home that he has never encountered such trickery.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2016, I made a {$6700.00} Principle and Interest payment to Nationstar Mortgage. The employees of Nationstar Mortgage confirmed on this date, my payment would go directly to Principle and Interest and make my mortgage payment due for XXXX XXXX, 2016. Nationstar Employees also told me starting in XXXX 2016 my payments would now include escrow with any and all past due escrow to be spread out over 60 months. ( Audio recordings confirm these conversations ) Nationstar Mortgage applied my {$6700.00} incorrectly. Instead of the full payment being applied to Principle and Interest as I was told would happen, {$2400.00} went to escrow and {$1900.00} into a " unapplied funds '' account. 

Throughout the month of XXXX, I have talked to several employees at Nationstar Mortgage who have told me they would get this resolved and have all of my XXXX XXXX, 2016 payment applied to Principle and Interest and have the escrow begin in XXXX 2016 as I was told. None of this has happened. 

I am asking for help in having Nationstar Mortgage correct their error and apply my XXXX XXXX, 2016 payment of {$6700.00} to Principle and Interest with escrow beginning in XXXX, 2016 with any past due escrow spread out over 60 months, as I was told. I am also asking for help in having Nationstar Mortgage correct my credit report to reflect that I am current and not delinquent in my payments. 

thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
Description of issue : We were clear to close on the buyers side since XX/XX/2016. The loan office and the seller have been going back and forth for XXXX weeks since then trying to get all the well documentation in order. We have been impacted by this financially in having XXXX addition weeks of temporary housing cost and we lost our rate lock as of XX/XX/<YYYY> They refused to extend the rate lock and now the new rate is an increase of approximately {$92.00} a month. The delay due to poor communication on the lender side and seller has cost me significantly and I would like to know what rights I have in this. They had all closing documentation XXXX hours prior to our rate lock expiration but could not make closing by the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied International Credit Corp., (US)
State: OH

Complaint narrative:
AIC aka Allied International Credit Corp XXXX XXXX XXXX is attempting to collect a debt I do not owe. In fact, I do not even know what it is for. The person I am to contact XXXX XXXX about the debt has refused 7 times to take my call and does not return my voice mails or messages that reps say they are giving her. I have contacted XXXX XXXX XXXX and XXXX has stated that I do not owe anything, thus there should be no debt collection. I have been called a " XXXX '' by XXXX of their reps when demanding to speak to XXXX Supervisor. I explained that I am a XXXX and would never think of XXXX. The person must be XXXX. I told them that frankly I have never XXXX except my wife and do not intend to XXXX. They will not discuss this scam with me. They have reported this debt to the credit bureaus and my credit rating has dropped from the XXXX 's to the XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Intermediary Services llc
State: CA

Complaint narrative:
Received a number of calls from someone claiming to be from Nationwide Mediation services indicating they are an arbitration officers for a firm planning to file suit at the XXXX County court. They will not divulge the original creditor and have called various family members whom I have n't spoken to or seen in several years. They continue to call and when I return the call the number is either busy or does n't connect. I have received no mail or certified mailings or summons or have been served at my residence or business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
For the past 2+ months, I have, as a volunteer/friend, been trying to assist a friend 's brother with a deed in lieu for his property that is facing foreclosure. His loan is serviced by PHH. Since starting on the process back with the filing of my Letter of Authorization with PHH, PHH has used my phone number to debt collect daily, often twice daily on my personal phone number. And yet, the few times I have tried to reach the deed in lieu area of the mortgage servicing area, I am put on hold for at least 45+ minutes and am given little to no information about the status of his request for a deed in lieu. I have emailed the General Counsel of PHH repeatedly without a response to alert her to serious violations of the debt collections practicing act and the failure of PHH to adequately be responsive to this homeowners needs. Today, after being on hold for over 60+ minutes, the executive office of the President said they could not find my letter of authorization, which at least the first loss mitigation rep, who could not access the notes in the file for a status update, at least could. I find the lack of responsiveness, the sheer lack of professionalism at all levels of this mortgage servicer and their repeated debt collecting on myself on my personal cell phone at all hours of the day and night to be a complete failure of so many parts of their consent decree entered into the NJ AG for failure to loss mitigate, DODD FRANK and the Fair Debt Collections Practices Act. Plus, there should be minimum standards in place for this mortgage servicer to not only answer their phone but to provide substantive and prompt updates on their loan servicing to the HOMEOWNER and HOMEOWNER 's ADVOCATE. WHEN IS THIS EVER GOING TO STOP!!! It has gone on far too long. I GIVE UP. Let the mortgage companies take back all the houses, charge exorbitant rents. Let this scenario run to its illogical conclusion and see where it leads this country. I do n't want to advocate any longer. I do n't want to rage any more. I give up. Take all the houses, all the bank accounts and tax all the poor and middle income you want. Just give this one poor guy his deed in lieu so he can get on with his rehab, start a new chapter and hopefully live and die in peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
IN 2015 escrow analysis the servicer ignored the prelim and actual tax assessment from the township creating large underpayment to escrow. Upon the next year escrow analysis the escrow payment is drastically increased per month due to previous years underpayment. I erroneously made the same payment I was making but within two days made up the difference. The differential payment was made well ahead of the grace period. I continued to get late notices since then because the partial payment was applied to principal and not my monthly payment so my principal has been paid down but I am now considered to be behind by a month. Fortunately I was in a position to withstand this dramatic monthly increase in my payment but even I will be adversely affected if I need to make an extra full mortgagee payment to correct their numerous errors. I brought this to their attention but they responded by ignoring the discussion on the phone where they agreed there was an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
Checking account overdraft : was unable to deal with bank due to emergency illness, when I got out of hospital I called bank and asked for account to be closed, was told it had to be done in person or by mail and bank refused to adjust the charges. I then had someone deliver a request to close account letter and have continued to be charged fees. I am not able to go to bank at present and can not take care of this issue, but am still being charged fees.

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 2016-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Associated Bank locked me out of my account. I declined the XXXX page online user agreement that is a " cash back '' scheme that gives permission for all merchants to call me and solicit me on my private phone. I do not want to participate in their program. They refuse to let me have access to my account this weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Collection Service Center, Inc.
State: PA

Complaint narrative:
Collection Service Center contacted my employer about a debt I was never billed for by the original creditor, never billed for by their company, nor made aware of in any manner prior to their contact. My receptionist took placed a message on my desk which read " Credit company called, they are attempting to contact you regarding an unpaid debt to XXXX XXXX, please return their call. '' No attempt at all was made to protect my privacy, the most the caller should have stated was their name, that it was a personal call, and a number where they could be reached. After their contact I checked my credit online and found the debt listed on my credit report. I attempted to contact the number she gave me as well as the number listed on the credit report, however, after much searching I discovered they had given and reported an incorrect area code ( XXXX instead of XXXX ). They do not answer their phones during the day, they require that you leave a message and a phone number. I can not be reached at my home number during the day and do not want them contacting me at work again so I refuse to leave my number. They have not responded to any of my correspondence.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Corp Solutions Inc.
State: NC

Complaint narrative:
Caller stated that they were from Credit Corp and would not give a mailing address or their License number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
ALLIED Collection Services ( Nevada ) attempted to collect {$610.00} for XXXX ( XXXX ) on a {$9.00} co-pay. 

The principal amount of {$420.00} went to collections after an insurance billing error. My insurance company paid the bill and XXXX zeroed out my balance. ALLIED claimed that I still owed {$190.00} in principal. After speaking with XXXX repeatedly and forwarding documentation, I was still told I owed XXXX {$190.00} - it turned out these were really ALLIED 's fees and interest. 

I still owed a {$9.00} co-pay, but ALLIED charged me {$13.00} to cover their interest and fees. 

ALLIED then asked me to pay a bill from XX/XX/XXXX, also for XXXX in the amount of {$56.00} - {$42.00} in principal and {$14.00} in interest and fees. I requested an original statement, since I was not familiar with this debt. 

I later received a phone call from XXXX # XXXX informing me that they reported this debt to the credit bureaus on XX/XX/XXXX, but I could receive a letter to remove both credit report items if I paid immediately. At the time of the call ( XX/XX/XXXX, XXXX PST ), this debt was 7 years, 3 months and 28 days old - past the statue of limitations for credit reporting. 

I asked to speak to the supervisor " XXXX '', but she was again in a meeting and unable to speak, so I outlined my complaint to XXXX. He was going to transfer me to XXXX 's voicemail, but it was a line that just rang and never picked up. I called XXXX back on his direct line and he immediately transferred me again, so I hung up and called XXXX again on his direct line and he did n't answer.

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 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Resources, Inc.
State: CA

Complaint narrative:
dear sir/madam : I am fed up and sick to my stomach from hearing and reading about equal opportunity and anti discrimination laws for the last twenty years since I came to this country. after many many incidents over the years, this is the latest incident : I send full application for home refinance to elend.com ( new jersey ), on XXXX within 2 days they provided the credit report from XXXX agencies with score of XXXX, and accepted the income requirements and sent someone for appraisal and charge me {$420.00}. for four weeks after that I was sending emails and making calls with no result. on XXXX they called me asking to provide 1- statement to explain why I got my social security card on XX/XX/XXXX ( the time I came to USA ), 2-documents from XXXX party CPA accountant to show the XXXX for past years although I provided them with complete tax returns from my accountant with there name and signature and contacts. 3-wait for additional possible requirements, although the application was sent with over XXXX pages that include every piece of information any lender would ever ask for. when I got angry about that they called next day to tell me they withdraw the application. up to this moment I have not got copy of the appraisal, and I called the guy who did it, and he said they should give it to me not him.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: ZWICKER & ASSOCIATES
State: VA

Complaint narrative:
I received a call from Zwicker and Associates claiming I owed a debt to XXXX XXXX XXXX voicemail ). I called XXXX XXXX to see if there was some old debt of which I was n't aware. They told me all my accounts were in good standing and that there was no debt. I researched the phone number on the internet and discovered this company harrasses consumers and tries to convince consumers that they have a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc.
State: WA

Complaint narrative:
In XXXX XXXX I refinanced my manufactured home with acreage through American Financial Resources , Inc . This mortgage agreement stated that my payment would be {$1100.00}. In XXXX XXXX the papers were assigned to XXXX XXXX, XXXX which also states that my payment will be {$1100.00} will be due beginning XXXX/XXXX/XXXX. I then receive another XXXX dated XXXX/XXXX/XXXX stating that I have a new payment beginning {$1000.00}. My last XXXX dated XXXX/XXXX/XXXX was actually a closeout statement as American Financial had reassigned my papers to XXXX, XXXX. I was informed in a letters from XXXX and American Financial Resources that this reassignment was to be completed XXXX XXXX, XXXX. My payments were to stay the same. All along I have paid an amount of {$1200.00} trying to decrease the balances ( P & I and/or Escrow ). If I had an emergency ( which happened in XXXX XXXX ) I would have a little extra in the budget to pay for the emergency. I then received an XXXX from AFR dated XX/XX/XXXX stating that I have a shortage of {$1200.00} and they want the money by XXXX/XXXX/XXXX or my payment beginning XXXX/XXXX/XXXX will increase to {$1200.00}. This most recent statement shows negative balances beginning XXXX XXXX. It would have been much easier for me if I would have known about it sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In XXXX XXXX I went to XXXX XXXX and began a purchase of a XXXX XXXX XXXX. I called Credit Acceptance XXXX Company concerned about the loan and asked if certain things were legal. I even questioned the blue policy of financing a vehicle over the blue book value. The gentleman on the phone said that vehicle was worth the amount that was financed. I financed XXXX for a vehicle that was only worth at best XXXX or XXXX XXXX dollars. After I signed, the contract I found out that the vehicle blue book was below further below for my specific vehicle and that there was a vehicle recall. hazard of rear ended and other issues. The vehicle also was a lemon. I had to have the transmission replaced twice and engine work. The axle broke in the front. Credit Acceptance repossessed my vehicle several times. each time adding excessive fee to recover the vehicle in addition to the cost of the impound and storage fees. I called and tried to alter arrangement by a couple days because of error with my payroll. I would have the money a couple days later. They just came and picked the vehicle up after I had just payed to get it back just a few weeks earlier.I explained to them the vehicle had broken down again and I had to pay for repairs. They received almost XXXX XXXX extra dollars in repossession fees alone in addition to the fact that the vehicle loan amount was too high.

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 2016-06-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UMB FINANCIAL CORPORATION
State: NC

Complaint narrative:
This is the newest bank scam being perpetrated against Americans across the country. I 've had my XXXX account with XXXX now for over 15 years. Recently my son stole XXXX of my checks from my checking account with XXXX over a 2 month period. The checks totaled over {$1800.00} and all were documented. I 've been involved in transit living now over a year due to an electrical fire at my home back in XXXX XXXX. It has been a XXXX experience with my being a XXXX senior. 
Most days I 'm very busy remembering and recording the losses for XXXX and the claims process. I failed to audit my checking account with XXXX until XXXX XXXX and noticed the fraudulent entries by my son. As soon as I did I took him directly to the XXXX XXXX Police Department thinking they would arrest him. Because of his age at that time and him being a minor, they could n't arrest him. After filing the police report, I was informed they would contact the XXXX for a hearing. I contacted XXXX immediately after filing the report. 
A XXXX could plainly see that these were'nt my signatures ; they were printed. XXXX stalled the process as long as they could, continuously requesting the same documents that had already been sent to them. This went back and forth for weeks if not a month. I knew in my XXXX exactly what they were doing. They were attempting to frustrate me to the point of giving up which I 'm sure has been the case many times before. 
Sure enough when the claim was presented to UMB bank, they denied it because " it was n't presented in a timely fashion. I 've been down with the flu is why I 've taken so long getting this complaint to you. Please help me, I want my money. This is the reason for the FDIC, these funds are insured against theft and fraud. My question is who is going to insure me against the criminals UMB and XXXX ; clearly there 's collusion between the XXXX. This happened for XXXX reasons ; first I 'm a senior ( XXXX XXXX XXXX ) and I also happen to be XXXX.

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