vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
I have been making regular payments to Merrill Lynch since the inception of my loan back in XXXX. In the XXXX - XXXX time period Merrill Lynch voluntarily paid my ad valorem taxes. The first time this took place I simply paid in a lump sum of over {$21000.00} to pay them back. The second time they began to charge me escrow payments of approximately $ XXXX/month which was fine with me. However they misapplied the phone several times. There were times when they told me a payment was not due and they would return funds to me. This confusion cause them to miss appropriate payments in such a way that they turned me and to the credit bureau for making late payments, however I followed their instructions the entire time. For example in XXXX of XXXX I made XXXX payments in one month at their request. In XXXX I also made XXXX payments at their request so I should 've been " ahead ''. Additionally in XXXX I made them a payment of {$21000.00} to pay for the taxes they had paid. Also during XXXX they applied a payment into a suspense account rather than as a XXXX payment. I spoke with them in XXXX and made XXXX more payments. They told me I forgot to make a XXXX payment and at first I assumed perhaps they were correct until I went back and checked my records. I had made XXXX payments in XXXX and they applied XXXX to a suspense account - perhaps because the XXXX payment was not technically do yet I am not sure. I sent them detailed information explaining that their error in reporting to the credit bureau has caused my credit score to be reduced to a point that I can not refinance my home. I received a brief letter saying that they had done their research and felt like they were correct. This is causing me a major problem. Nobody will refinance my house with this credit score of XXXX. I have been told by a credit consultants that the Merrill Lynch blemish is causing my score to be reduced by XXXX to XXXX points. what is the most frustrating part, is nobody will explain exactly where they think I have missed a payment. They simply asked me to produce a copy of my credit report and information on why it needed to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NC

Complaint narrative:
I am repasting my original complaint that was disputed and never resolved. The CFPB claims to be following up on this but it has never produced a response to my dispute. 

Describe what happened so we can understand the issue ... 
In XX/XX/2014, a series of unfortunate banking events led to my mortgage payment being deducted form my checking account twice. The servicer ( PHH Mortgage Services ) was not willing to help recsend a payment and the Bank suggested that my only course of option was to stop payment on one of the duplicates. I did so as my family would not have had enough money to survive. In XXXX, I made a payment to PHH by phone and using this same checking account. The representative assured me that the payment had gone through just fine as usual. In XXXX, I was informed that I was now behind on my mortgage as this payment did not show up. This is when the trouble began. Through various demands for payment and forced " re-payment plans '', I have given PHH almost {$22000.00} in the past year and am still being sent past due notices. I 've now been sent a " right to cure notice '' demanding another {$5000.00} plus before XX/XX/XXXX. Since my normal mortgage payment is around XXXX monthly, a years worth of payments would only be {$15000.00}. I have no idea how I am still behind in my payments and can not seem to get out of this cycle. This has caused a great deal of distress in my family and has caused me to get dangerously behind on other bills ( student loans, car payments ) as well. Most recently, I responded to a late notice by paying the amount asked for ( {$3400.00} ) by the date it was asked for ( XX/XX/XXXX ). PHH took the payment. The payment came out of my bank account. Two weeks later I received a notice that my account had been referred to an attorney for foreclosure. This was an awful thing to read. PHH initially claimed that they had no record of the notice demanding the {$3400.00} and that I had not paid enough so they had returned my payment (? ). After two days of arguing my case, the notice was found and I repaid the {$3400.00} and was taken out of foreclosure. This was a large mistake made on their end and I ca n't help wondering what other large mistakes are being made at PHH Mortgage Services. I 've gotten nowhere in my attempts to talk this through with them. 
Consent to publish the description of what happened? Consent provided Which part of the mortgage process is your issue related to? 
Problems when you are unable to pay This is about Conventional fixed mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: ME

Complaint narrative:
I am being called from multiple XXXX numbersXXXX numbers, etc. I know they are credit corp solutions and they call XXXX times a day. I am also getting extremely ticked off that they have been calling me after XXXX at night

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
To Whom it may concern, My name is XXXX XXXX and I am contacting you regarding an issue that I have been having with PHH Mortgage Corporation. My loan number is XXXX. I have recently recieved a forclosure summons from PHH Mortgage Corporation. I have been making my payments, however, PHH Mortgage Corporation is claiming that I have been in default of my mortgage since XX/XX/XXXX. PHH has been rejecting my payments since XX/XX/XXXX for no explanation and without my knowledge. I am attaching a link that contains a record of my bank statements from XX/XX/XXXX to the present date, supporting the fact that I have indeed been making my mortgage payments. Also, PHH Mortgage Corporation is claiming that I owe {$24000.00}, however they only refunded a total of {$15000.00} to me. 


XXXX My payment history according to my bank statements is as follows : XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX for payment due for XXXX XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX for the months of XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX I paid {$6100.00} for the months of XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX {$6100.00} was refunded to me without my knowledge. In XXXX, XXXX my monthly mortgage payment decreased to {$3000.00}. 



XXXX XXXX, XXXX I paid {$6100.00} for the months of XXXX XXXX, an XXXX XXXX XXXX XXXX, XXXX {$6100.00} was refunded to me again without my knowledge. 



XXXX XXXX, XXXX I paid {$3000.00} XXXX XXXX, XXXX {$3000.00} was refunded to me again without my knowledge. 



On XXXX XXXX, XXXX I was served a forclosure summons. According to my records I have been falsely placed into forclosure of my home by PHH Mortgage Corporation. In conclusion, I would kindly appreciate an investigation to be done so that this matter can be concluded in a timely manner. Thank you for your time and consideration. 





Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Recovery Partners, LLC
State: CA

Complaint narrative:
XXXX accident occurred on XXXX XXXX, XXXX in or near XXXX XXXX, California between a car owned by me and another car. I have received correspondence from Recovery Partners , LLC claiming unverified damages and stating that if damages are left unpaid, a drivers license suspension request against me will be sent to the California DMV as allowable by law. 

To resolve this claim I have sent three letters ( 2 of them are attached to this complaint. I was unable to attach my first letter to them dated XXXX XXXX, XXXX which was in response to their original collection letter of XXXX XXXX, XXXX ) requesting verification to justify damages due to the accident by providing dated, detailed receipts for medical and a copy of the traffic accident report. After three letters Recovery Partners has not provided me with any dated, detailed receipts from a doctor or hospital nor have they provided a traffic accident report. 

I notified Recovery Partners LLC that until they provided me with detailed receipts that justified the damages, all communication and efforts to collect this debt must cease per Federal law. Recovery Partners continued communication with me including stating they will request a drivers license suspension against me from the DMV as allowable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
Over the last 3 years I have went through several hardships. XXXX full term layoffs on unemployment and a divorce. I've been working with XXXX to retain my home and get a principal reduction and modification. I have been going through this process only to be denied for amount and time delinquent that I find at fault the the mortgage company PHH. On numerous occasions over the last 2 years they used the 60 and 90 day periods between XXXX visits not requesting a single document. Then several other times only requested statements, and stubs the things that go stale. After 2 years they deny my claim after building a huge file and say I can appeal. 3 months later I won the appeal and just received a trial that the payment is substantially higher than the original payment. No information on anything or why its so high. They sent paper work numerous times about an appraisal to revalue the house and nothing. My credit counselor advised me to write and see if there is anything you can do to assist me. I got my own appraisal and the house is worth almost $50,000 less than the loan. Several references show the house being worth XXXX. The loan is XXXX. On top of the payment being higher than ever.  Please assist. I would really like to keep my home. I've obtained great employment time and time again. Have done everything asked from me and won the appeal. Only to have the payment raised substantially.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have an auto loan through credit acceptance, I have monthly payment due for the XXXX of each month. I did have auto-pay set up for this monthly payment however, I canceled the auto pay because payment was being taken from my account but not documented, I ended up being behind 2 monthly payments as they stated. I received nothing in the mail about this or any phone calls. I actually called them to take auto payment off, at this time they informed me i was 2 months behind even though my bank statements showed differently. They then informed me that they do n't contact their customers with these issues. I informed them that I would make the required payments as soon as possible. The next day they repossessed my vehicle, I have to pay the required fees and payment to get my car return, they completely trashed my car, kept personal items including my title and all personal documents in the glove compartment and have yet to return them. This company will not allow me to set-up payments according to my pay periods and because, of this I am always paying late payments. They will call me over XXXX times a day from unknown numbers, from block numbers, numbers from different states and leave automatic voicemails everyday. Everytime I speak to someone to set-up a payment, the next day they continue, no XXXX documents any of the calls or payment arrangements I have made. I have been hung up on, threats to have my car repossessed even though I have never been a month or more behind. I have been asked personal information about my banking accounts and working situation that they should n't be asked, and when I inform them of the harassment I am hung up on. I have asked them to no longer contact me by phone but by mail and they refuse to do so, they stated that they do n't have a mailing system set-up to do so. All my payments are made through XXXX XXXX and till this date I have yet to receive any documentation in mail from this company regrading my loan, balance, or any issues relating to my account. Instead I get these never ending calls. My account has never been over a month late if anything 2 weeks late and I still get these threats.This is the worst auto loan company ever, I am currently trying to get it refinanced through a bank or credit union.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
Well I asked the manager could I renew my loan. She stated her Company policy is that since I sent her Company a cease and desist letter not to call my job ( because I ca n't accept calls on my job ) but they are welcome to call me on my home, cell, or any references if they could not contact me she would not renew my loan. I advised her that I had never heard that before and I felt like it was a personal vendetta that she had against me. I feel that I was biasly discriminated against based on the way I looked, And because I was not a certain color and did n't look a certain way. I feel that I am a law abiding citizen that deserves to be treated fairly and her predatory lending ways should not be prohibited just because she does not like me because of her own I 'll gotten reasons. I did try to call her supervisor whom she has a personal partnership with and nothing never gets resolve because of this conflict of interest. Her Supervisor never return the call. I plan to consult a lawyer because bias predatory lending discrimination is not prohibited by consumer law and this matter needs to be addressed and resolve, so another fellow XXXX wo n't have to go through what I did.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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: Innovative Debt Solutions
State: CO

Complaint narrative:
In XX/XX/XXXX-XX/XX/XXXX I held a bank account with XXXX. Unfortunately I was not fiscally responsible and my account ended up going back and sent to collections. In XXXX I was contacted by the law firm XXXX XXXX XXXX out of XXXX, XXXX with whom I entered a settlement agreement with. I completed my settlement agreement on XXXX XXXX, XXXX and received a Release of Liability from the law firm. Recently, a woman by the name of XXXX began calling me and stating that her company was attempting to collect a debt for XXXX. After supplying her with a copy of my Release of Liability, XXXX stated that they were different accounts and different amounts ( which should be obvious as I settled with XXXX XXXX XXXX ). This prompted me to research her company ( ID Solution out of XXXX ) and email address XXXX XXXXXXXXXXXX ) as well as her phone number ( XXXX ). No information came up for any of this. I contacted XXXX Collections directly and they confirmed the account number XXXX XXXX XXXX held as well as when my account was open and closed ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ). They also cautioned me that this company may be a scam after I shared my concerns over the behavior of XXXX. I called XXXX back and supplied her with the information XXXX had given me. She became hostile and aggressive and informed me that her company had purchased the debt from XXXX XXXX and that the date of last activity was XX/XX/XXXX. I asked her for the name of her company, but she was evasive and stated that I " had her email address. '' I explained nothing came up when I was searching for it and that was when she stated they were out of XXXX. I asked for a website and she refused to supply one. When I told her that did not give her much credibility she became more hostile and downright rude. I informed her that I would contact XXXX XXXX directly and she retorted, " You do that! '' and hung up on me. XXXX XXXX had XXXX phone numbers on their website, XXXX of which was disconnected. The other was actually a different company and they indicated they did n't know what was going on with XXXX XXXX but that they may be closing down. They had absolutely no information about my alleged account that was sold to ID Solution and shared with me the same caution that I should be wary of ID Solution as there are a lot of scams going on out there. XXXX has continued to call and harass me, threatening me with legal action if I do not pay this false debt of {$1600.00}. I have blocked her number on my phone, but it frequently rings in as " private '' and I can not avoid those calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I countersued XXXX in state court. I had already vacated the premises due to unihabitable conditions, XXXX rat infestation ) and they wanted rent money and fees for that one month and readying the apartment ( carpet fee etc ) they also kept my deposit. However, the judge stated that I did not owe them any more monies, not for rent, carpet fee, readying the apartment etc. However, XXXX put the debt on my credit report and sold it. I then told the debt collector that I had a case disposition stating that I did not owe. They did not remove the debt from my credit report. I recently faxed over a copy and it was still not taken off my credit report. They insisted that I owed the debt despite a court order stating that I did not. 
The company is Professional Debt XXXX. XXXX XXXX XXXX FL XXXX, XXXX, FL XXXX. The representative is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Troy Capital, LLC
State: FL

Complaint narrative:
i signed up with XXXX to take classes on line for my XXXX degree.iwas given a loan of XXXX.i was never able to contact any one from the school for assistance or questions regarding my classes, also i was never able to pass any of my exams.i made multiple attempts for assistance but not able to get any.the cost of degree promised to me turned out to be astronomical with hidden fees and no one to contact at college network.doing so i stopped paying loan given to me by XXXX.at present i am being contacted told there is a judgement against me for non payment for something i did not benefit from.i have spoken to other XXXX who verbalized that they have had the samep roblem sign up with the college network get a loan from them and not able to get any assistance thus leaving us with a large loan and no repay with no degree to show.the name of the school is college network the name servicing the loan is troy capital llc XXXX florida.the XXXX which is permanently closed a class action is being taken by them since 2014 i am one of their individual who signed up for their classes.i would greatly appreciate a response to my petition for help.i truly feel i should not have to pay back this loan due to college network incompitence and multiple complaints made all over the united states.forced to pay back a fraudilent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
This is a second complaint. Original complaint case number is XXXX. Not only has NationStar been untruthful. evasive, they also use fraudulent or deceptive practices in their responses to the first complaint, they have continue to do so. Since I filed the first complaint, below is a list of illegal action take against me by NationStar. I have also attached supporting documents to show NationStar claims are fraudulent and deceptive : 1. NationStar misrepresented the amount owed. The partial payment amount was {$1300.00} has ballooned to {$5800.00} as of the statement provided by NationStar XXXX/XXXX/XXXX. see attached. 
2. Reporting false information to the credit reporting agencies. According to XXXX, I was 30 days late with my payment for XXXX, XXXX, XXXX, and XXXX XXXX. XXXX 's payment posted by NationStar XXXX/XXXX/XXXX, XXXX 's XXXX/XXXX/XXXX, XXXX 's XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. No payment has been late since XXXX XXXX see attached 3. Harassing telephones calls several time a days at home and work by different loans specialist based on a list they are provided without knowing the status of the account. I reported to work at XXXX in the morning and there are calls on my answering machine from NationStar. 
4. I have made all mortgage payments on time since bringing my account current om XXXX XXXX XXXX see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have a loan out with credit acceptation and I 'm being harass at XXXX to XXXX to XXXX at night i work XXXX and my boss told them she can not have personal phone calls unless their family issues .so the call any ways so he wrote them and had me signed it but we did n't make copies we just mail it off that no phone calls at work.now my loan is XXXX i been paying XXXX now a month came and i call to tell a manager i would be short i had XXXX he applied you have been in good status so theirs nothing he can do unless I 'm behind so i went paid the XXXX and i have all receipt so i stop paying XXXX and went back paying XXXX and now they telling me I 'm behind and adding late charges like no torrmow and calling all through the morning evening nights at work in bed in the shower I 'm getting a lady calling me threating me i got on a plan where i told them i will pay but i got laid off but i will pay them on the XXXX each month for {$410.00} and they get mad and angry so XXXX continue maying {$410.00} and this month on the XXXX i paid {$500.00} again and the bug me and bug me with private numbers and personal numbers and block numbers all times of mornings and evening and nights and recent today twice yesterday twice. Please help I 'm still paying just hard some time but I 'm still paying and now i have been ignore all calls but i pay faithful thanks, and on time i walk in all the time and i have all paper work.

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