vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO.
State: KS

Complaint narrative:
Myself and my grandfather had a sales contract for a 2014 XXXX, of which we fell back on payments due to outstanding reasons. We were XXXX payments behind and had contacted our lender in order to arrange a full payment of the past due amount to be paid along with the next payment. The day the check arrived, a repo company showed up at my home to repossess the vehicle. The repo man knocked on our door to find that my wife answered, he proceeded to ask if I was there and she told him no. At which time he forced the door open and entered my home. Our XXXX service dogs attempted to protect my wife by becoming aggressive towards the man. my wife had to pull a XXXX handgun on the gentleman to make him leave the home. Once he did he proceeded down stairs where they were hooking our car up to a " repo '' vehicle. My wife warned them that the hand brake was applied and she was willing to provide the keys to the vehicle. The XXXX men refused this and began to drag the car, at the same time my wife attempted to record the ongoing confrontation but was prohibited by XXXX of the repo men by him slapping the phone out of her hands and to the ground, shattering the screen. About this time I arrived home and found my wife in complete disorder and she showed me how far the car had been drug, which was about XXXX yds away from its original position. During the time that they dragged the car they blew the parking rod and dropped the transmission and let debris, skid marks, and fluids all over the parking lot. Next I attempted to ask the men to allow me to retrieve some sensitive information out of the vehicle and to obtain the vehicle 's license plate to return it to the XXXX. They denied my the right to take the tag and made me sign a blank document to retrieve my valuables out. After the " repossession '' was over myself and my grandfather contacted the financing company and told them what had happened, we received no answer from them and were told we would receive a call back ASAP. During this time I called the check writing authority and they informed me that the check was about to be cashed at which time I instructed them to cancel the check because there was a breech in my agreement with the financing company. We never heard from them until bout XXXX months later by being served papers to appear in court and we owed them a large sum of money. After further review of the sales contract we found that they may repossess the vehicle but must due so peacefully and within the limits of law, which they did neither of these.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc.
State: NV

Complaint narrative:
This debt is not mine and I have disputed this several times. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MN

Complaint narrative:
In XXXX XXXX sold my XXXX XXXX XXXX auto loan. Systems & Services Technologies , Inc ( SST ) manages all aspects of this loan and XXXX has no knowledge of any activities related to this loan. When I first received the notice of the sale, I realized my minimum monthly payment amount was not accurate. I notified SST about this error and was told it will be investigated. Their investigation did not uncover any error. I tried several times to resolve this matter, but I had no success. When my loan was with XXXX it was auto drafted from my account BIMONTHLY for {$150.00}. Therefore, I was paying {$300.00} per month when my minimum payment was {$280.00}. SST has my minimum payment set at $ 150 MONTHLY. My maturation date was XXXX XXXX, XXXX and SST is still attempting to collect payments despite the fact that I never missed a payment and I already reached my 75-months term. Still no one will look into this matter at SST or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXXEmail : XXXXPHH Mortgage Service loan number : XXXXRegarding : PHH Mortgage Servicer Loan Modification DenialOn XXXX XXXX, 2015, I was notified by PHH Mortgage Service Loss Mitigation that my loan modification was denied because of too much expenses, I have requested for an explanation. On XXXX XXXX, 2015, I received a Decision Notice ( denial ) letter of XXXX pages, ( exhibit A, B, C, D, E, F ) and XXXX pages of Income and Expenses Worksheet ( exhibit G, H, I ) via email and fax. On PHH Income and Expenses worksheet they stated that my expenses is {$6400.00}, which is completely inaccurate and deceivable figures. On XXXX XXXX, 2015, XXXX XXXX XXXX supervisor PHH Mortgage Loss Mitigation called me, I 've asked him why did you calculate this figures as part of my expense such as all the credit cards that I do not pay on and are delinquents and charged-off, and most of the other figures are outdated and inaccurate because it has been about XXXX months since I submitted my loan modification documents and even a monthly payment and the amount I owe on a mortgage on a house that I have not owned in over XXXX years? he basically stated that those figures are correct because they show up on my credit report and for me to contact those companies and have them remove it from the consumer reporting agencies. I asked my case manager from PHH Loss Mitigation why is the XXXX pages of Income and Expenses Worksheet has XXXX Investor XXXX, she said they are the one who owns my loan, I asked why is it in the Denial XXXX pages letter it states that XXXX Bank XXXX XXXX XXXX is the owner of my loan, she does not know. 
When I submitted my loan modification documents in XXXX 2015, XXXX XXXX XXXX XXXX XXXX was the owner, then XXXX XXXX foreclosing on my house and now XXXX XXXX denied my loan modification. Three different banks own my loan in less than XXXX days. I have presented this case to XXXX Housing Council of XXXX, Housing Counselor XXXX XXXX, she told me that PHH is wrong and she wrote a letter XXXX exhibit J ) stating that which I forwarded the letter to PHH. 

After consulting several agencies, I dispute the denial of my loan modification decision that was made by PHH Mortgage Servicer and whoever owns my loan. 
I demand a stop to the foreclosure of my house and I appeal to the owner of my loan to review this case. I also urge the Consumer Financial Protection Bureau to investigate this matter before the bank takes my house with their inaccurate figures

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
Vectra Bank did not get the loan closing document completed in time for the scheduled closing and we were notified 3 days before closing. Have scheduled time off from work, moving truck arriving, purchased furniture arriving, housing lease ending - no place to live. Applied for the loan over a year ago while house being build. We provided all the paper work and documents on time. There appears to be no penalty if the mortgage company fails to complete their work for an agreed upon closing time, resulting in economic losses for the consumer.

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 2015-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: SC

Complaint narrative:
XXXX/XXXX/15 -- I sent a letter to my mortgage company, PHH, requesting autodraft out of a new account. I included a voided check. 
XXXX/XXXX/15 -- letter was received ( according to PHH offshored customer service ) XXXX/XXXX/15 ( approx ) -- called PHH XXXX customer service to confirm XXXX -- letter from PHH, received by me, confirming the changeXX/XX/XXXX -- autodraft made out of WRONG account ; my bank assesses me {$35.00} NSF feeXX/XX/2015 -- I immediately call PHH customer service to alert them ; request refund of the {$35.00} ; told to write a letter and fax to them, requesting refund. Also I request a letter of apology that I can take to my bank and have placed in my fileXX/XX/2015 -- faxed letter as XXXX -- received generic customer service letter providing contact info for United States based representative, and inviting contact for further resolutionXX/XX/2015 -- called and left message with US based customer service rep ; no responseXX/XX/2015 -- emailed same US based customer service repThus far, have not received the {$35.00} refund I requested, nor have received the apology letter requested for my file at my bank. 
On XXXX/XXXX/15, I requested the offshored customer service to have some one from the US-based corporate office call me ; has n't happened yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
I had several different accounts with USAA. Due to ongoing rudeness, lies and general incompetence, I moved all my business away from them. I no longer have any of my financial business with them. They still have XXXX credit inquiries being reported on my credit report. Since I have no financial business with them and never will, I think it 's fair that these be removed. But USAA is doing all they can to damage my credit. My score was XXXX before they started their campaign against me. I want their inquiries removed. Can you help me get that done?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI

Complaint narrative:
They called to my cell, and I explain to them that I already paid it. I have all evidence but they keep calling to me. I ask to stop call me, but they call to my work after I ask not to call. 
They never sent me written notice but keep calling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Approved Mortgage Corporation
State: IN

Complaint narrative:
I WAS TAKEN ADVANTAGE OF BY WINTERWOOD MORTGAGE IN INDIANA, HE TOLD ME TO LIE ON MY PAPERWORK, HE CHECKED MY CREDIT ABOUT 5-10 TIMES WITHOUT ASKING ME, MADE ME SIGN THE SAME DOCUMENT ABOUT 5 TIMES ( Mortgage Application Document ). WHEN HE ORIGINALLY CHECKED MY CREDIT, INSTEAD OF TELLING ME ALL OF THE STEPS HE WAS GOING TO HAVE ME TAKE HE JUST TOLE ME I NEEDED TO DO ONE THING, THEN ANOTHER, THEN ANOTHER, THEN ANOTHER, IT WAS SO EMOTIONALLY EXHAUSTING AND I HAVE BEEN WITHOUT A HOUSE/APARTMENT OF MY OWN SINCE XX/XX/XXXX OF 2016. HE ALSO MADE ME CALL A LOT OF PLACES FOR THE SAME THING MULTIPLE TIMES, IT WAS THE WORST EXPERIENCE AND LET DOWN OF MY LIFE. I AM ALMOST XXXX AND I HAVE NOTHING TO SHOW FOR IT, I THOUGHT THIS WAS GOING TO BE THE NEXT CHAPTER OF MY LIFE BUT NOW I AM SET BACK NOT ONLY FINANCIALLY BUT EMOTIONALLY, I AM BEHIND ON {$6000.00} THAT THEY WILL NOT GIVE BACK TO ME.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: MO

Complaint narrative:
I contacted PHH mortgage on XX/XX/XXXX requesting an escrow analysis to be done because I was at 78.8 % loan to value. I wanted to start the process of removing the PMI to my monthly mortgage payment. I then recieved my escrow analysis and the company had made an error on the original loan to value ( which was {$170000.00} as of XX/XX/XXXX ), but the company had put the LTV as {$140000.00} as of XX/XX/XXXX, which then affected the overall LTV changing it to 94.10 %. I contacted them about this concern recognized there was an issue, but the customer service person could not just correct the issue without placing a help ticket. After 2 business days I logged into my account and noticed they had changed the LTV from the error of {$140000.00} to {$150000.00}, but again this is incorrect. I contacted them about this concern and still got the run around and was told I had to wait on the original help ticket and they would contact me within 5-10 business days. I still had not received a resolution so on XX/XX/XXXX I contacted the customer service about the concern they finally connected me to a customer rep in New Jersey who then placed another help ticket about the concern. He also pulled my scanned loan docs and could see that the original LTV was {$170000.00} and that a mistake had taken place, but was not authorized to make a change. He would have to wait until the help ticket was resolved. As of today I have sent another email in regards to this concern, I have not been followed up with from Phh Mortgage nor have they corrected the issue. I am very concerned with how to proceed forward. I felt as a consumer I needed to make a formal complaint about this issue. 
Back History : I had a mortgage escrow analysis completed XX/XX/XXXX. I was at 81.20 LTV. I have the documentation that was sent. I knew I was close to being at 78 % LTV in XXXX and that 's why I requested another analysis. On the XX/XX/XXXX payment my PMI would have been automatically removed. I have not refinanced the loan. I only did a rate modification in XXXX. I do n't understand how my LTV can just change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Borenstein & Associates, LLC
State: CO

Complaint narrative:
On Friday, XX/XX/XXXX at exactly XXXX. mst, I called into Borenstein & Associates office to discuss a current judgement that my husband has XXXX XXXX. I did not get the name of the gentleman that took my call. My recollection of his voice, was he was younger gentlemen, if that helps any. I had called in to see what arrangements we could make on this judgement. My husband had received a letter that was sent to his parents secondary home here in Colorado. The letter was addressed to my husband and when his parents finally returned they delivered it to us last week. The letter was date XX/XX/2016. Which I had explained to this gentleman that we had just received the letter. I had asked if we could discuss the options that were laid out in the letter, since I was calling to see if we could possibly pay the account off that day. I had told him that one of the offers was to pay XXXX and the judgement would be settled. He told me that that offer was no longer available and I asked if we could come up with another offer that would be acceptable by both parties and he said no that since we owned our home they would get their money no matter what when we sold our home. 
I believe this not the best business practices and I was offended by his lack flexibility to work with me and also for his threatening remarks. 
I am desperately trying to clean up our debts and very willing to pay back what is owed, but I will not allow a person/company to threaten us. I 'm afraid that now they will harass us even more because we did not settle this judgement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
I responded to an online ad from Lending tree who advertised a debt consolidation loan, low rate, get money as soon as possible. I took out the loan in XX/XX/2015 ( see attachment ). Now almost two years later, I have only paid a little under {$7000.00} ( see statement showing the interest rate and the amount going towards interest with approximately 38 months left to pay. With all of the past issues with the mortgage loans, how on earth can a company be allowed to bait and switch consumers into these type of loans. is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
Leader Cashnetusa will not stop contacting my employer and have been advised in writing two times that it is prohibited by my employer and to stop calling my work. They have there reason to know in writing that my employer prohibits these calls. It was required by them to provide a work phone number to process my application so I did so. They are contacting my employer XXXX 3 times a day.In addition they contact me non stop several times a day. My work requires the phone to be emergency or non emergency calls and again is prohibited from being used for personal calls. 
I have also told them that if they continue I will file a complainant with FTC and file a suit with FDCPA. I hope this is the start and end of all far it needs to be taken for them to stop contacting my work. Thanks You in advance for trying to resolve the issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation
State: OH

Complaint narrative:
Lender sent personal tax info including SSN, signatures, and full contact information to me via unsecured email

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 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: WA

Complaint narrative:
Harassment, mocking me, nagging, does not record my calls! Does I have tried to pay in the past and the amount is never good enough

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: PR

Complaint narrative:
Frequent calls from " nco '' to my dedicated home security alarm & video phone line. Their numbers XXXX ( XXXX and XXXX ) are blocked for access, but they still call and try to get pass the code.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 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: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
I had a judgment on my credit report with XXXX, XXXX, and XXXX. I made monthly payments and now The debt is paid off in full. But the judgement is still showing on my XXXX credit reports. The debt collector failed to report that the debt is now paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ZWICKER & ASSOCIATES
State: CO

Complaint narrative:
I received a call from Zwicker and Associates on XXXX/XXXX/2015 from phone number ( XXXX ) XXXX. I returned the company 's call and inquired as to what they were calling about. The representative I spoke with confirmed that they called me in error and that they had no account related to my phone number. I received another call from Zwicker and Associates on XXXX/XXXX/2015 at XXXX. I do not have an account in collections and the debt they are contacting me in regards to is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NH

Complaint narrative:
I called in to set up payment arrangments on my loan. The guy was giving me a hard time. Then the rep thought he put me on hold and he did n't and I heard him say XXXX. That is un called for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC
State: TN

Complaint narrative:
This company ( XXXX ) has disclosed personal loan information, dates, amounts, contact attempts and threatened garnishment if I do n't contact within 24 hours to a step parent of mine, with whom I do not, and have never lived with, live 30 minutes from and rarely see or contact. Per my stepparent, the request for the company to not call again has not been honored by Credit Central. I have contacted this company previously and told them no payment availability, I am working on filing chpt XXXX, and saving to obtain the attorney to do so. This company has harassed me at my place of employment on numerous occasions, after being asked to stop. This has finally as of this week stopped. The calls are several times a day, there has been visits to my home with letters left on my door handle. I have asked no contact and continue to receive this as well as some of the 8-10 references that were required continuously are harrassed after being asked to stop calling. They have accurate information for me, have spoken to me, I feel it is n't necessary for me to talk to them every day to say I am not paying. I work full time, a part time job and back in XXXX as well as a single mom, I can not afford to loose income due to this petty harassment as well as the fair debt collection practices being abused.

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