vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANCORPSOUTH BANK
State: TN

Complaint narrative:
I am of XXXX ethnicity, but was born in the US. I have been accepted into a XXXX in TN. I will be making XXXX/year the first year. I applied for a mortgage from Bancorp South for {$230000.00} in XXXX for a house in XXXX. I was originally told I would be able to get a {$250000.00} loan so I stayed in the budget. The underwriter required me to have documents re : my repayment plan for my loans XX/XX/XXXX. I was not due yet, but I applied for a loan consolidation and got an estimate that I would be paying XXXX $ / month. I submitted this information to the underwriter XXXX XXXX and the underwriter required more information. I had planned on the REPAYE plan which is an income based repayment. When I received my loan summary, the underwriter said they needed a specific document indicating how much I would have to repay per month. I then contacted the loan company and they tried to expedite my income based repayment application. As soon as it was completed, I sent it to the bank representative who sent it to the underwriter. The underwriter finally commented that because it is an income based repayment plan that could change as my income increases, they can not give me the loan. I have been living in a motel for 1.5 weeks waiting for the mortgage in order to close the sale of my house. My daughter started school in the XXXX district. I have had to start work living in a hotel. When we speak to the bank representative and the real estate agent, they are flabbergasted. They have never heard of an underwriter doing this. It does not make any sense. The bank representative is appealing this decision. In the meantime, we are a displaced family, living in a hotel which is not financially sustainable for us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANCORPSOUTH BANK
State: MS

Complaint narrative:
Hello, I am trying to resolve an issue with a charge from XXXX XXXX in the amount of {$990.00} for services not as described, details enclosed for your review. 

ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
I constantly received voice messages threatening legal affidavits and final warning before they take me to court but do n't tell me what this debt is about. they recently contacted my sister about this debt and told her that she needed to represent me in court, they left a voice message with her social security number and other information about her. she was upset and called back and told her they could not give her any personal information yet they had all of her personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: MO

Complaint narrative:
I applied for auto loan with Ford credit and refused give me a loan. As I legally changed my name and brought all papers from the court. They refused to talk to me, they refused all legal paperwork. They keep given different reasons, the financial director at the Ford dealership pulled my credit report and he was showing as my credit score at XXXX. At Ford financial they said, that they are not showing any scores at all. They refused to give me any reasons at all, as well as show where I am showing XXXX credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc.
State: IL

Complaint narrative:
I received several calls yesterday from XXXX XXXX at ARA. Phone number XXXX. Case number XXXX XXXX. She left a message on my cell phone and repeatedly called my work number. I can not take personal calls on company time. It is not allowed. When I called this morning, she would not give me information regarding this debt. She said it was going to litigation and I was going to be served legal papers. She said she was a Process Server for the county ... but did not mention which county. The little bit of information I did receive was vague. She mentioned a bank account which I have not had for several years. She also mentioned a hospital bill and a towing bill, all of which have been paid. She said she mailed documentation to me and the 30 days in which I had to respond are over. I asked her to send me the information to me again and she said she could n't. The only thing I could do today was pay {$710.00} to cease and desist. I would n't give her any banking information. She suggested I get a pre-paid credit card to pay the amount. I called back and spoke with XXXX and told her I did n't receive any information and was disputing the debt. They would not work with me at all. I either paid {$710.00} TODAY or I would be called into court. They are supposed to be sending information to me in the next week to 10 days and I have to be home to receive a summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: OK

Complaint narrative:
I received a caller-ID blocked call. The voice message stated that I needed to call XXXX regarding notice XXXX and to contact XXXX XXXX. I called the number back and was told their company was ARA and Associates, XXXX XXXX XXXX, XXXX, VA, and that their only phone number was the one listed above. She was very rude and stated that I would be charged with " issuance of a bad check '' and " theft by deception ''. I asked for verification of the debt and was told it was mailed in XXXX 2015 and they would not send it again. 

They also contacted my ex-wife of 20 years with the same notification number and threat. 

I have no idea what this is regarding and have found other, similar complaints regarding this phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: IL

Complaint narrative:
XXXX has called me several times and left a claim number. They are now calling and harrassing my family and ex husband. When I tried to call the number back it goes straight to a fast busy. I tried calling them back again and after many rings, a man named XXXX answered. He claimed I owed money for a payday loan back in 2012. It was for {$400.00} and they are the arbitration company and that I am being sued by XXXX XXXX XXXX. I have never taken a pay day loan from this company and check my credit report and there are no collections. I want these people to stop harrassing me and my family. They threatened to have me served with at my work or my residence.

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

Complaint narrative:
I have held a mortgage with PHH Mortgage and its predecessors for the past XXXX years. I refinanced with them XXXX years ago for the same property. Since then, they have instituted aggressive collections calls when my mortgage is not even overdue. I have never paid this mortgage XXXX days late nor have I paid a late fee for being past the grace period. I do n't understand then why they call daily from their collections department every month if I do n't pay exactly on the XXXX. It usually starts with robocalls on the XXXX. And I do n't want to pay them until my tenants ' rents are paid. Their XXXX outsourced call center is incompetent as well. I told them to not call me but they said they would continue to do so. And they call cell and home multiple times. They told me they want me to sign up for automatic withdrawal or they will keep calling. Well, I do n't trust them with my checking account. They have n't proven to be trustworthy. I see no basis for calls when the bill is not overdue. I always pay by the XXXX. Usually the XXXX. I have another mortgage with the same company, and they never call me regardless of when I pay. This second XXXX was n't refinanced and is the original loan. They are both on the same servicing website XXXX It makes no sense and is very offensive. Please help until I can refinance and dump them. The actual loan rate is fine. It is just their utter disrespect and incompetence I ca n't stand. Since when does a company start collections on someone every month and insult someone who chose to keep them when they refinanced? Had I known, I would have found someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
We are in desperate need of help as our mortgage is pending a foreclosure sale and our bank will not help us. We purchased this home XXXX XXXX XXXX. We had done a refinance with XXXX XXXX XXXX of XXXX. We defaulted on that mortgage in XXXX of XXXX and the reason for hardship was due to our families including immediate family was in XXXX during the earthquake XXXX XXXX XXXX. We had to fly to XXXX and bring back our nieces and nephew after both my sisters were killed leaving the children orphans. Between the funeral costs, travel costs and taking in the XXXX children, we had no more savings left to pay the mortgage. We applied for a modification and had been approved for a trial modification which we completed and was approved for a step rate modification XXXX XXXX XXXX. The step rate schedule startedXXXX/XXXX/XXXX-XX/XX/XXXX with the rate 4.025 % ; XXXX at 5.025 % ; XXXX at 6.025 % ; XXXX at 7.025 % ; XXXX at 8 %. 
XXXX/XXXX/XXXX XXXX was hurt on the job after 18 years of employment and had to go on workers comp. We had applied for a temporary hardship due to this significant income reduction and was approved for a 2 year temporary modification on XXXX XXXX XXXX through XXXX/XXXX/XXXX reducing the interest rate to 1.025 %. After the two years were up, the payment would go back to the terms of the original modification as explained above. My workers comp was {$270.00} a week. We defaulted on this temporary modification XXXX XXXX XXXX after the workers comp had ended. I had been going to court over the XXXX until it was finally determined he was XXXX as of XXXX XXXX XXXX. The XXXX date I was entitled to benefits was XXXX XXXX but if you review the award letter I have attached, I did n't receive the retro pay or monthly payments until XXXX XXXX XXXX. So for 24 months, XXXX had no income other than the temporary XXXX which was less than {$XXXX} a month which barely covered the cost of parking for the hospitals after the XXXX. 
Since XXXX is now receiving permanent XXXX of {$XXXX} a month and XXXX 's income, we are making {$XXXX} a month in gross income and taking home {$XXXX} combined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I fell behind on my payments because I lost my job and did not have an income until XX/XX/XXXX. I attempted to modify my loan on several occasion with my lender and was never approved. I applied for a modification XX/XX/XXXX and continued to provide all of the documentation needed to complete my review.. On XX/XX/XXXX after having emailed my representative all of the documentation needed to compete the loss mitigation packet, I was advised that the lender would escalate my request to postpone the sale of the property scheduled for XX/XX/XXXX. On the following day, XX/XX/XXXX, I called the lender and again confirmed that the supervisor had requested a postponement of the foreclosure sale. On XX/XX/XXXX, and XX/XX/XXXX I called the lender and again was assured that the foreclosure sale would be postponed. Please note that, I had consulted an attorney and if the lender had told me that a postponement was not going to be approved, I would have filed for protection under the bankruptcy laws. On XX/XX/XXXX, I called the lender and they advised me that no postponement had been submitted, and that the property was sold at foreclosure sale. I have confirmed with the trustee that no request was ever submitted to him to postpone the sale by the lender even though they had over 7 days to process the sale. The trustee advised that he utilizes the XXXX system with the lender, and that a postponement would have taken no more than 10 minutes to submit to his office. I request that my loan be reopened and that I be allowed to modify my loan to enable me to keep my home. The lender lied to me in order to avoid that I filed for protection under the bankruptcy court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PHH Mortgage Services Corporation
State: LA

Complaint narrative:
My house flooded during the recent flood in La. I have flood insurance, and a check was written to cover damages. However, it is made out to me and the mortgage company. All of the damage to my house is cosmetic, sheetrock, paint, and flooring. I have XXXX. Despite these facts, my mortgage company will not let me self repair, they say I must use a contractor. Contractors are backed up for months with work, and prices are double and triple what they would be under normal circumstances. I have asked the mortgage company to release part of the money so I can obtain materials and do these repairs myself. They refuse. I desperately need this money so I can repair my home, and need them to allow self repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
As the victim of identity theft, I should not need to prove my innocence to recover money that was stolen from me. 

On XXXX XXXX, 2015, my checking account debit card was used without my knowledge and without my consent for {$850.00}. According to the bank, my card was used at a XXXX XXXX at XXXX on XXXX XXXX, and it was done in person. They said the only way that it could have happened was if someone copied my card and signed in person. Great. I was at work all day and have physical evidence that I was there the entire day. This transaction could not have been done my me. I am the victim of identity theft. 

I went to Associated Bank on XXXX XXXX, XXXX and XXXX in an attempt to dispute the transaction. I was told the first two times that I needed to wait until the transaction was no longer pending to dispute it. On the XXXX, I was able to successfully dispute the transaction, and the bank told me that they needed to conduct their own investigation. The lady who helped me told me that " as bad as this may sound, the more you try to prove your innocence, the better it will help your case. '' At her advice I went to the XXXX XXXX the incident occurred at with the information the bank had given me. XXXX XXXX informed me to file a police report, and I did in XXXX, MN with the incredibly helpful Officer XXXX ( Badge XXXX ). The case file number is XXXX. 

I have done everything Associated Bank has asked me to do to prove my innocence. They have provided me with no evidence that I made the purchase, yet they insist on not returning my money until XXXX XXXX at the earliest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
this is my XXXX time to file a complaint because Nationstar has not resolved this problem. I am filing on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al. XXXX. XXXX XXXX sold her home on XXXX XXXX 2015 and the fund were wired to the Lender. It is know XXXX the XXXX and XXXX XXXX keeps receiving late notices. There has been no release of lien recorded as well. Needless to say XXXX XXXX is very upset and Nationstar continues to perform at an unacceptable level. Her loan number is XXXX. Thank you in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: AZ

Complaint narrative:
We are not able to obtain a mortgage payoff statement. 
My wife and I wish to pay off the adjustable rate mortgage on our house at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The mortgage is serviced by PHH Mortgage, XXXX, XXXX, NJ XXXX. 
I telephoned PHH on XXXX XXXX, 2016 to request a payoff statement. I spoke with XXXX XXXX XXXX, XXXX XXXX XXXX ext XXXX. He stated that the payoff statement would be mailed to me on Monday, XXXX XXXX, 2016. I telephoned XXXX XXXX again on XXXX XXXX, 2016, because the statement had not arrived. This time I chose to have a payoff statement faxed to me at a XXXX office where we do business. The fax did not arrive ; therefore, I telephoned XXXX XXXX the morning of XXXX XXXX, 2016, and he assured me that a payoff statement would be faxed to me and would arrive by XXXX, my time. The fax had not arrived by XXXX, and I was unable to reach XXXX XXXX by telephone. 
I note that PHH continues to accrue interest on our mortgage while they delay the loan payoff process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
This is my second complaint to CFPB against PHH. In XXXX XXXX, I filed a complaint against PHH. However, before PHH could respond, XXXX, to which PHH had sold the Property already started eviction actions against me ( XXXX XXXX ). Therefore by the time PHH responded to the CFPB complaint in XXXX XXXX - essentially admitting their errors in fulfilling the agreed TPP - I had filed a civil complaint against both PHH and XXXX to protect my rights against their unlawful foreclosure and eviction actions, respectively. Because I have been proceeding pro se, both PHH and XXXX have continued to drag out this easily discernible injustice by legal maneuverings which I have been inadequately trying to defend. As a result, PHH has been able to skirt the issue of their failure to deal fairly in the execution of the TPP which was in place in XXXX and which, by their own admission, I never violated. My appeal is that CFPB will use a plain and straightforward method of enforcing the applicable regulations with which PHH has refused to comply for these 6 years ( from the onset of the TPP ) to date. 
Specific details, including timelines and pertinent court orders to date are in the attached documents. As of today 's date, my family and I face imminent but unlawful eviction from the Property at XXXX PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: NH

Complaint narrative:
This is in regards to my mortgage servicer PHH Mortgage. They have used this company from Texas called XXXX XXXX XXXX to enter my home and break in. The home is not yet foreclosed on. They went to verify occupancy. It is a XXXX home in XXXX so there was no food or clothes anywhere. I contacted them and the XXXX Attorney General. The result of that was that they just wanted to see if it was occupied. They have also put XXXX signs on my door saying the property is managed by XXXX XXXX XXXX. The home is also on private property. The property has not been transferred over to them so they do not own the property. They also transferred the property to us with a defective deed. They also told me they could n't produce any paperwork as to who owns the mortgage. This is in XXXX XXXX XXXX and the case number is XXXX XXXX. Is there a way you can look into this and see if this is legal. 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: TN

Complaint narrative:
According to our credit bureau report the loan with SST is showng as default and collections. This account has never been late and when I spoke with SST they stated that was incorrect and that they would correct with the bureau. This account is in excellent standings

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: PHH Mortgage Services Corporation
State: MD

Complaint narrative:
I am working on an assumption with PHH Mortgage. It 's quite complicated, there are several different entities involved because it was not being processed properly previously. One of the recurrent problems is that they would not acknowledge that documents were sent to them. And they were not making the requirements known to both parties. On XXXX/XXXX/2015 an inquiry was made and their response was that I had not provided the documents. I corrected them and copied the VA regional office who is the final approval on the loan. I also asked that they make sure that the other party was aware of any requirements that he needed to fulfill. The following day the acknowledge receipt of the dcouments that they had then said that they had sent documents for the other parties signature to me. The documents that they sent me had no signature page for the other party and the instructions did not include sending to him. My instructions were to include a check for the required amount the notarized docs and send back. On XXXX when they said they had not received certain documents, it required a large amount of time and coordination for me to confirm that the documents had been in fact been sent to them. To make a long story short, they are making a relatively simple process very uncomfortable, they are not responsive. It has been the same XXXX individuals the whole process, XXXX XXXX and XXXX XXXX. I 've asked several times to have them removed and have the case handled by someone else and even though their previous assertions were proved wrong, documentation was lost, and the XXXX try was very unsatisfactory. We started again with the same individuals, and got the same result. We do n't have the documents, we told you to get signatures or documents from XXXX XXXX ... ... To get this process going I had to contact an attorney, a congressman and the VA Regional Office. Attached is the document they sent to me, with no dual signature requirement, initials, nothing. They did send out the other document to the other party but without acknowledging that it should have been sent out when mine was. Duplicitous is the best word to describe them.

Company response to consumer: Closed with explanation