vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Today is XXXX XXXX My mortgage server is Select Portfolio. In the last 6 months I have followed there direction and listened to them tell me that my Loan status is in review. I have faithfully spoken to them every week to see if they needed any additional documents or just to give me an update on the status. Every week its the same answer that I am in review they have all necessary documents and I just need to be patient. All I wanted is to save my home and I believed that the representatives from SPS wanted to really help me. Today I was served with foreclosure documents in the complaint it says that SPS forwarded my account to there attorneys office on XXXX XXXX, which means they never had intentions to help me. I called the law firm that represents them they told me there client never had intentions of helping me and laughed. I called the bank this evening and Spoke with a representative and he said to me that he felt terrible and after reading the notes on my account he cant believe that SPS did this to me.The he asked me if I could up load my legal documents to him so he could see them. I know what this bank has done is deceitful, they mislead me for months so that they could turn around and take the home away from me. What I did wrong was to trust Select Portfolio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
I have payments of {$360.00}. a month for a 2012 XXXX XXXX. For the past two years everything was fine until I ran into some financial difficulties. If i miss a payment, they constantly call me several times a day.They also call my friends and relatives. I 've told them at least XXXX times to cease and desist. They still keep doing it. I want them to leave me alone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
1. Payments made to NationStar in excess of the monthly mortgage amount have incorrectly gone toward interest, rather than 'principal only '. This occurred in XXXX and XXXX, XXXX. I was assured each time that amounts above the monthly payment would be applied to principal. These had later been reversed until XXXX, XXXX. I advised NationStar, in advance, of a large, principal only paydown ( set for XXXX/XXXX/XXXX ). This was incorrectly applied on XXXX/XXXX/XXXX. The reversal was not applied until XXXX/XXXX/XXXX. 
2. I desire an independent audit of the loan history since the XXXX transfer from XXXX XXXX XXXX to ensure that the current balance due is correct. My intent is to verify the payoff balance and transfer the balance to another lender via a HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: MO

Complaint narrative:
Facts : 1 ) In XX/XX/XXXX I received a letter indicating I had an escrow shortage. I was given XXXX options : a ) make 1 payment with total shortage or b ) spread shortage over 12 months. I chose b. 
2 ) I received an email on XXXX/XXXX/16 that my mortgage payment ( including additional escrow ) was applied. 
3 ) Today I received an email that a late fee had been applied because my payment has not been received. 
4 ) The payment was made per my bank statement. 
5 ) The payment was received per email dated XX/XX/2016.. 
Today I called customer service and they indicated that had my payment but it was suspended and not applied because I failed to 'request permission ' to spread the shortage over 12 months even though my payment reflected the increased amount.. The request procedure was n't very clear in the letter I received in XX/XX/XXXX nor have I ever had to " request permission '' before. The letter clearly stated that I have XXXX options and even provided the new payment amount. I feel the mortgage company is trying to take advantage of its customers and force them to make a late payment even though they have received the on time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: IL

Complaint narrative:
PHH mortgage service has failed to update its records of my account being past due in XXXX and XX/XX/2012 despite my providing documentation of error and request to then and Experian to correct. In late 2012 our servicing was moved to PHH from XXXX. We made timely XXXX payment of XXXX on XXXX and on XXXX we made a combined XXXX and XXXX payment of XXXX. No payments were late. Attached is copies of bank statements showing amounts were paid electrically. Please correct this error This error occurred when servicing was being moved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Impersonated an attorney or official
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I reached out to XXXX XXXX XXXX, the President of Zions Bank. I was providing feedback and was explaining my past situation. It was not even 16 hours later, I received a alert from XXXX about ZIons Bank pulling my credit. I called to find out why, and was eventually contacted by a gentleman who claimed to want to " settle '' a very old account. I explained my inquiry and this gentleman accused me of working for the State of Arizona, I told him I had been XXXX since XX/XX/XXXX. He then discussed trying to take my home. I told him we were doing a rent to own situation, and he claimed he had government information stating to the contrary. I was being treated like a criminal. I never even consented to them running my credit. For that matter, I never even provided identifying information. I gave my first and last name. I never provided a date of birth, social security number, address, nothing else. I think these people would take money from a XXXX persons hands. I have been XXXX for several years. It will eventually lead me to my early death. How many of the banks customers are treated like this. I did not ask to become ill. I believe that this should also be sent to the Federal Trade Commission, I remember receiving a post card in the mail about an action against Zions Bank. I believe I was involved in a class action suit against them. Maybe they should be investigated again.

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 2017-03-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Rosebud Economic Development Corporation
State: VA

Complaint narrative:
I sent many emails to zoca loan requesting they not draft my account on Friday XX/XX/XXXX. I received no response. Today, they drafted my account without my authorization. They did not respond to any of my emails sent.

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 2016-07-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Home Loan Center, Inc.
State: FL

Complaint narrative:
Went to lendingtree.com and checked on auto refinance rates. Provided our name, address and phone number and current auto loan interest rate and amount currently owed. Then the next day MANY companies pulled our CREDIT Reports. 
We DID NOT Apply for Any Loans with any company. We DID NOT Authorize unknown companies ( never heard of them before ) to pull our CREDIT Reports. 
This is a SCAM that has hurt our credit and we DID NOTHING Wrong and did NOT apply for any loans with anyone. We have contacted the credit bureaus ( XXXX, XXXX and XXXX ) but they give us excuses and are all hesitant to start disputes for these unauthorized credit inquiries. Our credit score is lower now due to all these Unauthorized Credit inquiries. This is VERY SERIOUS. Someone needs to Help and not allow companies like Lendingtree.com to allow lenders they associate with to be able to pull credit reports without AUTHORIZATION. If we DO NOT apply for a loan then our credit information is PRIVATE and any fly by night company should not be allowed to pull credit reports. Each time a credit report is pulled we loose XXXX points on our credit scores. So if Lendingtree gives out information to say XXXX companies and they all pulled our credit scores then we would loose XXXX points on our credit scores each. This is horrendous since it takes forever to improve a credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Credit Bureau, Inc.
State: AL

Complaint narrative:
The debt of {$100.00} was paid in full to the dentist that issued the collection. Once I saw that it was a {$0.00} balance reporting on my credit report, the collection agency said if I would 've paid it with them, I could 've had it deleted from my credit report, but since I paid it in full with the medical company, I could n't remove it. I contacted the dentist and they said that their policy is once paid, it will be deleted. The debt was paid and has a {$0.00} balance and I would like it removed from my credit report. Once I contacted the dentist they confirmed that it should be removed and they would be calling the collection agency as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CO

Complaint narrative:
I currently have a home loan with my ex husband with PHH Mortgages. We filed for divorce and in the divorce decree he became liable for the home and paying the payments. He ended up missing XXXX payments which effected my credit fairly substaintailly. when I became aware of the late payments, I ensured that the account was up to date and have since. I presented to them that I have the legal documents that he is obligated to make the payments each month and that I am not responisble for the payment. I asked them to remove the XXXX dings on my credit and they would not. I offered to present the paperwork and they still would not. The home is now being sold. I even filed with XXXX as a discrepency and they would not remove it. I would have never let these become a late payment. I was not even notified as they had all of his information in the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Pioneer Credit Company, Inc
State: KY

Complaint narrative:
This person claiming to represent pioneer credit called both my children and discussed a debt that i supposedly owe this company. This loan is not only XXXX years old ... it was paid off with my XXXX insurance i took out on the loan

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 2015-10-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: WA

Complaint narrative:
I previously had a mortgage through PHH Mortgage. I recently refinanced my mortgage through XXXX. XXXX requested a current pay off statement from PHH on XXXX occasions in XXXX and PHH refused to provide a current pay off statement. They initially provided a payoff statement through XXXX XXXX and then provided a payoff statement through XXXX XXXX. We closed our refi and sent payment on XXXX/XXXX/15 to PHH overpaying our interest through XXXX XXXX. PHH refunded the balance of our escrow account. However, they DOUBLE PAID our PMI first before refunding. Our PMI was current and there was no reason for the double payment. We no longer use the same PMI company and I believe I am owed a refund of the duplicate payment. PHH has also not refunded the overpayment of 20 days of interest ( XXXX through XXXX ). I have called PHH to request info on where my overpayment went and they have refused to provide info. I asked for a statement of how much my overpayment was and they advised they did not have that information. They did not answer my question when I asked about the duplicate PMI Payment. They offered to send me a list of my payments XXXX which I am able to see online ) but then never faxed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ZWICKER & ASSOCIATES
State: MD

Complaint narrative:
Company garnished my bank account along with those that I was associated with even thought I was in a payment agreement with them and current on the payment agreement with no notice or attempt to renegotiate the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WESTERN CONTROL SERVICES, INC.
State: CO

Complaint narrative:
I paid in full by XX/XX/XXXX of last year a bill that had gone to collections with Western Ctrl original creditor was XXXX XXXX XXXX XXXX. This suddenly appeared or updated on my credit XX/XX/XXXX as an open collections. I am VERY angry! I want this off NOW! I called Western Control and they have reported this debt as paid in full. I do n't know who took it upon themselves XXXX months AFTER debt paid in full to put this on my credit report. Its false reporting and needs to be taken off immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: OR

Complaint narrative:
My company closed last year with the last day of health coverage XXXX/XXXX/XXXX. I had received a letter from XXXX XXXX/XXXX/XXXX after calling them about terminating my insurance, stating that the insurance would be terminated for non-payment on XXXX/XXXX/XXXX., Since I was starting my new job XXXX/XXXX/XXXX I continued to have health insurance. I then received a call from collection agency in XXXX XXXX for money for XXXX and XXXX XXXX installments. They also stated they needed proof of coverage. I immediately sent them proof of coverage and the information regarding the termination of coverage. I continued to receive phone calls stating they either had n't received the proof of coverage or they could n't read it. I continued to re-send it. After 5 months of calls I was told by XXXX from RMS that if I paid {$100.00}, sent another copy of the confirmation of coverage to the address she provided this would close the account. I did this XXXX/XXXX/XXXX. I was then called in XXXX XXXX stating they never received my check. I then sent a copy of the cashed check. I requested confirmation that the matter had been closed. Instead I was told they were going to send the check back to me, which I have never received. In XXXX I received a letter stating that they had not received my proof of coverage or payment. This has now been ongoing for almost a year. I have done everything asked of me, but yet I get continued requests for the same information over and over. They now want more money, and I have never received " the check they sent back to me ''. I would like to have this matter closed. The insurance was already cancelled XXXX XXXX, XXXX. I was told be an XXXX representative that to terminate the insurance all I had to do was not pay it. this is also confirmed by the policy book. I had coverage starting XXXX XXXX, XXXX from my new employer. I would welcome any assistance you can provide.

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 non-monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I began using a debt consolidator who I gave my limited power of attorney. The company also sent a cease and desist order for these lenders to speak directly to them to negotiate my settlements and prevent them from calling my place of employment. The calls to my job and references have not stopped. My debt consolidator company advised me to reach out to you as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc.
State: NC

Complaint narrative:
We had our mortgage thru American Financial Resources and was paying {$1900.00} on XX/XX/XXXX our new statement went to {$1600.00}. In XX/XX/XXXX our mortgage was sold to XXXX XXXX XXXX and payment remained the same {$1600.00} until XX/XX/XXXX we received a letter from XXXX XXXX XXXX stating as of XX/XX/XXXX or payment was going to increase to {$2200.00}, unless we paid a shortage of {$4000.00} plus add PMI back on which would still have our payment go back up to {$1900.00}. We had no clue what was going on so we called XXXX XXXX & they said there was a shortage on our escrow which they paid when they took over loan in XX/XX/XXXX, so we then called American Financial Resources and they acted as if they had no clue as to why, then after several attempts to talk with someone concerning our loan they said there was a computer error back in XXXX that dropped our PMI and lowered our mortgage payment so for a year we paid what was in our statement each month from American Financial and also XXXX. In XX/XX/XXXX we paid XXXX the {$4000.00} plus took our mortgage payment from {$1600.00} to {$1900.00}. We was told by both mortgage companies there was nothing we could do nor was either willing to work with us on a problem on there behalf. Is there anything that can be done about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC
State: GA

Complaint narrative:
I HAVE AN ACTIVE ACCOUNT WITH CREDIT CENTRAL IN WHICH THEIR COLLECTION PRACTICES ARE HORIFFIC. THE MANAGER HAS CALL 2XS FROM HER PERSONAL CELL PHONE IN WHICH I HAVE A COPY, AND THEY CONSTANTLY CALL EVEN AFTER I HAVE SET AN ARRANGEMENT MY ACCOUNT IS 9 DAYS PAST DUE AND THEY EXPECT FOR ME TO LEAVE MY JOB AND DOWN THERE AND SET AN ARRANGEMENT I ADVISED THE LADY IM NOT COMING DOWN THERE UNTILE I AM INTENDING ON PAYMENT WHICH WILL BE TUESDAY OF NEXT WEEK TODAY IS JUST THURSDAY. ALL OF MY REFERENCES HAVE ASKED NOT TO BE CONTACTED AND THEY ARE STILL CALLING. THE ONLY REASON THE REF 'S DONT WANT THE CALLS IS BECAUSE THEY ARE SO RUDE AND ABUSIVE WITH THEIR WORDS AND ITS NOT THE REF 'S DEBT ITS NOT FAIR FOR THEM TO TAKE ANY ABUSE ABOUT MY 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 2017-02-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: WESTERN CONTROL SERVICES, INC.
State: CO

Complaint narrative:
Good Afternoon, I am extremely upset with the services provided and the lack of understanding your office offers. As of today, I have called 4 days in a row ( and 4 times in XXXX day ) to attempt to work with Western Control Center. As of today ( XX/XX/XXXX ) the company has called me since XX/XX/2016 but only left me XXXX voicemail message. When individuals do call me from any phone number from Western Control Center, the call is immediately hung up after answering. Can someone explain how that is fair? 

As of today, I am unable to make any payments including good faith payments as I do not qualify. I do not qualify becuase I refuse to provide personal bank statements along with my common law partner 's information, bank statements, and pay stubs from both of us. I have asked numerous times to please explain how I am to make XXXX payments of {$880.00} or monthly payments of {$580.00} when the company doesnt take into account basic living needs. 

As of today, XXXX stated that he would assist me. He asked me where I was working and what pay rate. He then said that " IF the information checks out '' the lowest he could go is {$500.00} a month. I stated that I was not able to do that a month and that they are not taking into account my rent and other bills. He was frustrated and toward the end of the conversation stated that I dont need to send in my information and he trusts it was true. When I asked why he would not need proof of my bills he said I was welcome to send in whatever I wanted but that it didnt matter. {$500.00} a month was the lowest his collections department could go. When I asked to speak with someone in the collections department he said I had already spoken with everyone in the office. I asked " then why cant anyone work with me? and why do you need to have this information reviewed by another person but your deciding my personal expenses dont count suddenly? '' He replied with " you are just going in circles, I can not give you legal advise and there is nothing further I can do. You either pay it or I take the next step. '' I asked what the " next step is ( garnishment ) '' and he stated that he can not give me legal advise ( as if I was asking ). 

At this time, it has been determined and proven that Western Control Center will not only push you to get as much money as they can but if you do n't comply with their way, they will force their way through the legal system. That will include liens, garnishments, and any other forms of collection money. 

Terrible group of people.

Company response to consumer: Closed with explanation