vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
My mortgage payment for some land was {$500.00} with SPS, the payment went up to {$1300.00}, effective XX/XX/XXXX. I completed a loan modification in XX/XX/2016, sent all documents 6 different times, each time calling SPS to confirm receipt of documents. On one occasion, I call the IT to go over the application. I have spoke with numerous supervisors, staff have put me on hold for 48 minutes with no response. Each manager says I have provided all that is needed, but I then get a letter stating I did not provide enough information and to send more of the same information, after supervisors have reviewed it and approved stating that they would escalate the process. I have spoken with the ombudsman on three occasions. The last conversation was on Thursday, XX/XX/2016 and was advised that I indeed had all documents, but they will call me back. I have not received a call yet. I have emails and documentation of the people and dates I have spoken to them. In addition my conversations were recorded. Now I am going on two months behind in my payments, which I informed them that there was no way I could make that large monthly payment. I was informed that if I did n't have the documents in by XX/XX/2016, my request to modify would be denied. I am at the end of my rope and do n't know what else to do. Could someone please help. I feel discriminated against and not treated fairly. I only kept calling to verify that documents were received and to ensure nothing else was needed. Each time I was not told the truth, even after requesting help from the ombudsman.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Nationstar hired XXXX XXXX, and they broke into my home and caused damage under the guise of property preservation and winterization. Nationstar knew the house was already winterized. They allegedly left the door they broke to my home open to the elements for 6 months and damaged door lock assemblies throughout, as well as tampered with my water pump in the basement which required servicing to repair by a professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
Have received 10-15 robo calls from XXXX at all hours of the day. They leave a recorded message stating to call United Collections Bureau at XXXX regarding a debt. I do not owe any money to any entity -- and know this because I check my credit reports regularly and my credit score is outstanding. I believe this is a phishing scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Daniels Norelli Scully & Cecere, P.C.
State: NY

Complaint narrative:
Had a credit card issue was sued by Daniels Norelli Scully Cecere, XXXX. XXXX XXXX XXXX, NY XXXX, I have since paid this off in XXXX 2015, they refuse to file a satisfaction of judgment with the XXXX County Clerk, after many requests, calls etc to do so.

Company response to consumer: Closed
Consumer complaint received 2016-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
GC Services is handling my defaulted student loan. They will not come up with a repayment plan without asking me for detailed financial information, to include my most recent pay stubs and tax returns. They were talking about wage garnishment or a monthly payment in excess of XXXX-XXXX dollars for something called a Loan Rehabilitation. Their phone calls are non-stop and from several different telephone numbers. 
I want nothing more than to get this back on track as it is killing my credit rating. I am sufferning over this but really want to settle on a reasonable monthly payment, not what feels like a car payment. 
I have XXXX young children and many expenses, including a mortgage that is nearly XXXX dollars a month. The monthly payment I had before this went to GC would be affordable now. I wish there was a way to agree on a reasonable payment without handing over all of my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES
State: WA

Complaint narrative:
They called a few times already. But leave no message or whatever. I do not know who they are but I did XXXX there number. It could be from when XXXX XXXX is paying XXXX dollars of bad debt practices to consumers so my other debts might have been paid to them. But nothing in my mail or anythingelse except there phone calls but not leaving messages is harrassment anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
This is a debt from 5 years ago it was voluntary given back to them saying still owe debt but he is not telling me exactly how much I owe told me had to make a payment before telling me how much I I owe and told me had to give him a routing and account number which I do n't agree with said would n't take credit card not giving my personal bank account information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
They contacted my employer to collect a debt, my employer is a corporate company who does not accept these calls. I can lose my job if they continue

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
I have had payment arrangements with this debt collector for several years now. Thay have been taking the arranged payment from my bank account on a monthly basis. The terms of my arrangement have expired and they claim that because I have n't contacted to make new arrangements, they have opted to sue me. XXXX days prior to being served, this company did take a payment from my account. I have never received any kind on notice outlining new payment arrangements.. I have never been sued and I find this to be just an excuse to get additional money from me. I am emotionally distraught over this. They have served me and I want to know if I shoulld retain a lawyer to protect me from any further action. I do n't want to tarnish a very good credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
XXXX XXXX stated contract was voided. Credit Acceptance Corp on XX/XX/2016 opened an installment account without my consent through XXXX XXXX XXXX. I was unable to provide deposit in the amount of {$1500.00} as required to include paying off XXXX red flags on my driver license. Dealership would not accept a promissory note. Credit Acceptance Corp et al XXXX XXXX stated contract was purchased on XX/XX/2016 by a third party. Again, on XX/XX/2016 Credit Acceptance withdrew monies without authorization. All authorizations were revoked associated with that account.

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 2016-11-29 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: WESTERN CONTROL SERVICES, INC.
State: CO

Complaint narrative:
A verification of employment was sent to my job today. I had no idea that this account was even outstanding. I called the company Western Control Services and talked to XXXX different reps, no one properly verified my info just my name, no one gave the Mini Miranda to me either. I was told that a woman that I have never heard of was served my lawsuit paperwork so I was really never even informed of this lawsuit. I tried to work out an arrangement with them and was told that I had to pay the bif off within 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 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: The Receivable Management Services LLC
State: FL

Complaint narrative:
The Receivable Management Services Corporation ( XXXX ) sent me a notice in the mail of an attempt to collect a past due health insurance premium of {$140.00}. The original creditor bill was from XXXX This is not a valid debt because I had paid the premium due IN FULL on XX/XX/2016.

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 2015-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX XXXX, 2015 my account at UMB was overdrawn by XXXX an ACH from XXXX bill installments I 'd forgotten about. On XXXX XXXX a 50.00 credit was given to my account by XXXX leaving my account at XXXX. Due process the bank charges their overdraft fee, creating - {$32.00} a negative balance. UMB then started to charge an XXXX negative fee for the next XXXX days. This is unheard of, I thought XXXX and XXXX were thieves. XXXX another fee scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
My wages are been garnished for a car o purchased 20 plus years ago i was not notified of the garnishment from either payroll department or from the creditors

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 2016-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Troy Capital, LLC
State: OH

Complaint narrative:
Troy Capital LLC has placed a non validated or verified account on my Credit Report. This account XXXX Pursuant to the FDCP XXXX XXXX, I tired to get a response and I was no response back for over 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: MS

Complaint narrative:
My account was turned over to Professional Debt Mediation on XXXX XXXX, XXXX. I have contacted them once before today in XXXX XXXX. I have never paid anything on this account. When my credit adviser checked my credit report, he saw that they had reported activity on XXXX XXXX, XXXX. He advised me to call and ask them to remove the false report. They refused and argued that I had been lied to. Professional Debt is reporting the last date of activity on this account in error which is a violation of the CFPB. Please have this account deleted because of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: ID

Complaint narrative:
I was working for a car dealership. I was working in exchange for a vehicle. XXXX XXXX XXXX. This dealer went behind my back, and used my information to fraudulently obtain financing on said vehicle through Credit Acceptance Corp. Credit acceptance corp started calling me for payments and I explained to them the situation, they within a week repossessed the vehicle from me. Now I have a repossession and unpaid balance on my credit of 3 times what the XXXX was even worth. I have told them of the fraud as well as disputed it with the credit bureau and all they do is renew the account so its fresh lowering my credit even more.

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 2016-11-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
My truck was totaled due to a vehicle fire and the insurance company paid the finance company for the truck. The next day after receiving the insurance check, they sent the remaining balance of {$400.00} to the collection agencyou which essentially hit my credit. They did so without informing me of the balance or giving me the opportunity to pay the balance.

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 2017-01-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I currently have a auto loan with credit acceptance since XXXX of 2016. It seem like they use bullying tactics to get their payments. I went to a In my opinion fraudulent scamming auto company to purchase a car in XXXX of 2016. When the told me I was approved they told me it was through credit acceptance. The never explained to my credit acceptance billing rules and regulations. They were instructed by credit acceptance to put an device I. The vehicle so credit acceptance can shut the car down when I payment was not received. During the time I first got the car I was working. Now I have a XXXX that has me on temporarily XXXX and payments comes twice a month which only comes out to $ XXXX monthly. I have called credit acceptance explain to them what 's going on and let them know my situation but they do n't even seem to care about a XXXX person all they want is their payment. Which I understand I do have the vehicle and it must be paid for. But if I 'm explaining what my situation is and is making payments when ever I receive my check they wo n't give me any leave way. There has been a time I was going for medical treatment and missed out on it because credit acceptance activated the device in the car which prevents it from shutting on for XXXX XXXX and some odd dollars that was n't paid. So it seem to me a person facing a life or death situation does n't mean anything to them more than their payments. They need to stop their bullying tactics and try working with their customers. If it was n't for that car being my life line I would just let it go. Like I said XXXX had that crooked car dealership let me know about this I would have never agreed to accept or sign off any loan agreement with credit acceptance

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 2015-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
In XXXX of XXXX, I met XXXX individuals from XXXX. They told me that they did n't think that I would qualify for a loan modification. I received letters from a foreclosure attorney in XXXX XXXX who was beginning the foreclosure. Shortly after that time, I received calls from the Loan Modification team at PHH. I found this a bit strange because I thought I was XXXX3 months away from being foreclosed upon. Now, some 5 months later, with me being charged some {$6000.00} per month - as I have been for at least 2 years, - this money being added to my loan balance. My fee 's, penalties, and other moneys outside of my original balance of {$230000.00} is now over {$230000.00},. Total owed is the addition of those XXXX numbers. 

So my starting balance before I was unable to pay this mortgage was {$230000.00}. 

Here 's my point, is this some sort of game to just keep inflating what I owe the bank? Or is this continued mortgage modification process now going into its 18 month, genuine. When this last modification program was resumed in XXXX of XXXX, I was speaking with a XXXX XXXX XXXX. XXXX XXXX asked me for nearly all of the documents that I have submitted ad infinatum over the past year and a half. Every document he asked for. 

And now, I find my self once again, with a different loan modification officer, XXXX XXXX, who is asking me essentially for the very same material. Bank Statements, Income Statements, Uniform Borrows Statements etc etc. I have submitted these statements I have lost track of how many times. at least over 15 months. 

So bottom line is this. I believe PHH Mortgage Company is, and has been for over a year, acting in bad faith.This is illegal. I believe they have been doing so because they know the worth of my property, and they are looking to get every last penny of what it 's worth.So bottom line ... they have been playing with me simple to inflate what I will eventually owe them. 

Had my property been foreclosed on, 8 months ago, I would be taking home over I might have been able to take home maybe {$50000.00}. Today, I will not be in the black, and indeed be forced into bankruptcy. Had I been foreclosed upon during the banks first attempt to foreclose 4 years ago, I would be coming out of that foreclosure with possibly as much as {$300000.00} plus. 

This whole system loan modification at PHH has been 1 ) an acting in bad faith, 2 ) totally incompetent and 3 ) a violation the law on several occasions. As far as I 'm concerned, I have lost over {$200000.00} + because of all the factors mentioned above. 

Please please please, tell me what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: AL

Complaint narrative:
I receive XXXX to XXXX calls per day from this company in a day - they are a collection agency - NCO Group - I have asked repeatedly to put everything in writing - and still have yet to receive any documentation. The calls start early morning and last till late at night, XXXX through XXXX. 
When I block the number they are calling from - they move on to another number. I have received voice mails stating that they are needing for me to return the call concerning a legal matter or I am being notified of legal action being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SECURITY FINANCIAL
State: SC

Complaint narrative:
I believe I am on the XXXX. mort. co., in other words it has been sold twice. The current alleged owner has hired a bill collector, a so called mort. servicing corp. to manage my mort.. I have been waiting since XXXX/XXXX/2015 for the former mort. co. to sign my insurance claim check over to me. I finally received an insurance check made out to me & the former mort. co. with a signature on it. I do n't know if I can deposit it or not but I will find out tomorrow. I think they want me to endorse it & send it to them which I am not going to do. To put it bluntly, I do n't trust them. If I sign it & send it to them, I will never see it again & I will loose control over my payment. Also, I have asked for but not received credible documentation that this new company does in fact own my mort. nor that this so called mort. servicing co. is authorized to receive my payments. They want me to make my checks payable to them ( the bill collector ) & they do n't even hold the note. I have to wonder if either of them are licensed to do business in S.C..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
Company threatend to go to court house and send a bench wareant out for my arrest the company threatend to put my relatives and named by there names on the court order as witnesses

Company response to consumer: Closed with explanation