vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
The home at XXXX XXXX XXXX XXXX, XXXX, TX XXXX is part of the XXXX XXXX XXXX XXXX XXXX. The owner became past due on his assessments but then passed away in XXXX 2015. I am the XXXX and notified the mortgage company, PHH Mortgage Corporation of his death in XXXX 2015 after finding that his children did not plan to take the home. I have been in touch with PHH Mortgage at least monthly but as often as weekly to voice the Board of Director 's, neighbor 's, and my concerns about the home as the water has been turned off so the yard/trees are dead and there are rats in the overgrown vegetation/empty house. In every correspondence, I have have requested that they expedite foreclosure as obviously the deceased is not going to be making payments. The house 's condition has continued to decline. The XXXX has started baiting the house for rats, we have spent close to {$900.00} so far in treatments. We have also started mowing the lawn. We can not water the lawn or help with the foundation that is cracking. There are stones falling off the home because of the foundation 's condition. This home is in a very affluent neighborhood XXXX. The house would sell very quickly as all the homes in this community do. This home is on XXXX the larger lots. I have explained all this to the mortgage company. The owner passed away over 1 year ago. The XXXX is now owed {$12000.00} post bankruptcy on this home. The other owners are paying for the demise of this home not only with their assessments but with their property values.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: New Mexico Educational Assistance Foundation
State: NM

Complaint narrative:
The lender does not disclose accurate account information in the collection of this debt. Paper statements and online account access does not clearly disclose how much interest is being charged to each student loan monthly. Furthermore, paper statements and online access do not show clearly show the application of how payments are applied, even when a borrower tenders payment application instructions. The lender advances payment due dates when additional payments are made beyond the IBR plan designated payment amounts. The concern is that when the payment due dates are advanced interest may be charged to the loan for the future due date period and then when the actual due date period comes interest is again charged to the loan for the actual period. A borrower would never know because the lender does not clearly disclose what interest is being charged, or how payments are applied ( pmt. to monthly interest vs capitalized interest vs principal vs fees ) on a monthly basis to each loan group. Therefore, a borrower can not understand the status of their loan in terms of growth or reduction, or have a real opportunity to identify discrepancies, and if needed dispute the accuracy of their account. 

Furthermore, if the lender holds several loans the loans are lumped together by loan type as one amount on the paper statements. This practice does not reflect the actual accounting of each loan and prevents borrowers from learning the actual amount owed and status of loans. Rather, the accounting practices of NMSL with borrowers who are on an income based repayment plan appear to be designed to minimize disclosure about individual loans, keep borrower 's in debt to collect as much as possible from them for as long as possible, and grow the debt as much as possible to allow for a bigger write off when loans are forgiven ; instead of allowing borrowers who are willing and barely able to make financial sacrifices beyond the mandated IBR repayment amount to make informed decisions that would allow them to actually pay off smaller loan amounts. 

In not disclosing a proper accounting of what is happening to the loans on a monthly basis and separating the loans by the actual loan amounts owed I am concerned this may be a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
We had a mortgage with a company named XXXX acct. # XXXX. We have an approved loan modification with them. They sold the mortgage to a company named PHH Mortgage. PHH is not accepting the loan modification. They sent us a check for the amount of our first trial payment to XXXX. XXXX cashed our check for the first payment.We are attaching a copy of that check as we have not deposited it as we are not accepting it. Why would XXXX cash our check for the payment then sell the mortgage and the new company not accept the terms of the modification. We have filed a complaint on XXXX # XXXX.We are now filing this complaint on PHH Mortgage . We are not acceptiong the check from PHH as we have an approved modification plan and have complied as the terms specified. We have sent our second payment to PHH as specified by XXXX. They still have not cashed our check which we have a signed receipt that they received it on XX/XX/2016. PHH Mortgage has sent numerous letters ( approx. XXXX letters ) of impending foreclosure, this is very stressful to say the least. It is harassment to spend as much on trying to straighten this out and get nowhere. I have many hours on this that I could be working to make money to pay the mortgage. CFPB guideline are being ignored in this. My wife 's health has been affected as well as mine. My business has suffered as I am spending hours on this. I the new PHH Mortgage account # XXXX. I am attaching the signed and approved loan modification, a copy of our check to XXXX for the first trial payment XX/XX/XXXX, a copy of our check to PHH Mortgage for our second trial payment due XX/XX/XXXX they received XX/XX/XXXX, letter from XXXX saying to make payments to PHH Mortgage which is also Mortgage Services I guess. Sending letters from PHH threatening foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I have had PHH mortgage since XXXX/XXXX/XXXX I have always made my payments on time and on and around XX/XX/XXXX I reached out to PHH to request a Loan Modification due to the fact that I had lost my business and was in a bad auto accident which did n't allow me to work as much as I used to in my younger days. The agent stated they could not help me because I was current and owned another property with them, the agent recommended for me to fall behind on XXXX homes so I can be reviewed for a loan modification. My other home XXXX was foreclosed on by PHH mortgage on XXXX/XXXX/XXXX. The home was up for sale and this information was communicated with PHH and they agreed to stop the date but they still foreclosed on the home. Now they are trying to foreclose on my primary residence were me and my wife reside. We applied for a loan modification several times and agree they have all documents then in 2-3 weeks they request the same information from us. We feel they will foreclose on our last home me and my wife owned If we do not get help now. Our foreclosure is scheduled for XXXX/XXXX/XXXX @ XXXX. I feel since I was under review for loan modification PHH mortgage is in violation of the California Home owners Bill of Right law which is set to protect us from issues such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
My wife and I had XXXX XXXX XXXX prescription coverage with XXXX XXXX XXXX ( XXXX XXXX XXXX ) for a few years. The yearly premium increases made the XXXX monthly costs not affordable for us. We called them in XXXX XXXX and said we no longer could afford this plan. They continued to send us bills month after month. We did not use this plan to pay for any prescriptions after XXXX XXXX. We wrote them a note in response to their last bill stating the above. They ignored our note asking them to stop sending us bills for a plan we no longer have and have not used since XXXX XXXX. They now have a debt collection company, RMS in XXXX, Ohio trying to collect {$190.00} from both myself and my wife ( a total of {$380.00} ) We do not owe XXXX XXXX XXXX this money for a plan we no longer participate in or made use of after XXXX/XXXX/XXXX. This company has not paid XXXX towards any prescriptions for us in XXXX.

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 2015-11-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UMB FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have an Health Savings Account which I learned was managed by UMB Bank. 

In XXXX, I wanted to use the remaining balance in my HSA fund. 
I pulled up my HSA account website to verify the amount, which was {$18.00}. 
I used that exact amount for a medical bill. 
Afterwards, I received an overdraft bill from UMB Bank stating that my balance was below {$18.00} and applied a {$25.00} NSF fee. 
I called to inquire why my balance was below {$18.00} and why it was different from what the HSA account website displayed. 
UMB Bank told me that there was a monthly service fee that they incurred, which I was unaware of. I do not recall receiving any document regarding this " monthly service fee. " This monthly service fee is what reduced my balance below {$18.00}, thus generating the overdraft scenario. 
At that time, my balance from UMB was negative {$33.00} and still incurring monthly service fees until I close the account. 
This started around mid XXXX and now my balance is - {$36.00} due to add'l monthly service fees until I close the account. 

As a consumer, I feel like this is terribly unreasonable as the information I had always used to verify my balance was inaccurate and I was not aware of the monthly service charge which caused the overdraft scenario. 
UMB Bank has been unhelpful and dismissive when I try to contact them to fairly resolve this issue. They 've just demanded payment or else they will keep incurring the monthly service charge. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-30 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: USCB Corporation
State: DE

Complaint narrative:
This debt was paid XXXX XXXX. 2015 and they will not take it off my credit report after disputing this over and over.This is with USCB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: USCB Corporation
State: OH

Complaint narrative:
This account are sent to the time of collection which I had no permanent residence, which I was working for XXXX XXXX XXXX. He had no stable residence and did not receive any material agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I acquired an auto loan for a defective vehicle, once I found the vehicle to be defective beyond repair I returned it to the auto dealer who accepted the title and car. The bank Credit Acceptance however has kept my first payment and keeps refusing my requests to even speak with a manager about the loan reversal, which has been in processing since XX/XX/XXXX. Id also like it struck from my credit report as I 'd like to be able to apply for another loan from another company and lease a different vehicle from a different dealer but can not until this is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mid-Michigan Collection Bureau
State: MI

Complaint narrative:
I have pulled my credit report in XXXX 2016 and found that Mid Michigan CB placed XXXX collections on me. I send out letter to dispute both debt in XXXX 2016. Mid Michigan did not respond. I filed a complaint to Consumer Financial Protection Bureau Case # XXXX in XXXX 2016. They send out the XXXX original document from the original creditor for {$16.00} which I have proof that it was paid. I will send you documentation on it. They have not sent me the other XXXX for {$130.00} that they say I owe and the account number is # XXXX. Mid Michigan CB had over six months to Validate this debt which they have not. The have violated FDCPA requirements.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX and I have been a Santander customers since 2012. However, XXXX different customer service associates have been talking rude to me and trying to look into my credit. On XX/XX/XXXX, one customer service decided to pull on my credit over 5 times without my knowledge. However, my credit bureau told me that they pulled on my credit without my knowledge nor permission. In addition, a rude customer service associate called a week after pulling my credit and demand that I paid my car loan early. I would like Santander to explain is the meaning of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Auto loan through Santander Consumer USA. Loan # XXXX vehicle VIN # XXXX Subaru vehicle. We arranged for the vehicle to be voluntary repossessed by the lender XX/XX/XXXX. After repossession we received a XXXX XX/XX/XXXX in the amount of {$5100.00} added to our XX/XX/XXXX income reason as " cancellation of debt ''. This amount was added to our XX/XX/XXXX income and we have paid additional tax to the IRS for this. 
Recently we received a form XXXX XX/XX/XXXX for an additional amount of {$4400.00} being added to our XX/XX/XXXX income reason " cancellation of debt '' FOR THE SAME LOAN AND THE SAME VIN #!!!!! We have already paid additional income tax on this loan. We should not be charged again for the SAME LOAN AND SAME VEHICLE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In XXXX of 2015, my wife and I purchased a new car at XXXX of XXXX. Because I 'm new living in XXXX and I do n't have a credit history, Chrysler Capital financed the vehicle with the APR of 18 %. We asked if we could make extra payments on top of our monthly payments in order to get ahead on our principal, and they said yes. Our monthly automatic recurring payment is {$470.00}. The first payment went through fine, but in XXXX, we made an extra payment of {$750.00} to go towards the Principal Balance. Chrysler Capital instead took {$390.00} for interest rather than as requested. When we saw this, we informed them that this is just for the principal balance because we are still making automatic monthly payments. Before they fixed the {$750.00} amount, they 're online system accepted our automatic XXXX payment but only took {$29.00} towards interest. They did n't take the correct amount of interest from this payment as they should have. Due to their error, it put us behind on interest, therefore increasing our daily interest rate and accruing a much larger monthly interest. Therefore, in XXXX and XXXX, our automatic monthly payment of {$470.00} has gone completely to interest and none toward principal. The XXXX statement actually states that the accrued interest is {$350.00}, but Chrysler Capital took the full payment of {$470.00} toward interest and XXXX toward principal. They refuse to fix this. 
We have called them many times, asking them to fix the problem because this was their mistake. They told us that it is our fault for making that extra payment and not wanting any interest taken out of it, but we specified that the the normal interest amount should be taken out of the automatic XXXX payment. We have spent hours on the phone every month trying to find a solution, we have escalated the complaints to the " Office of the President '' at Chrysler Capital and they have offered no more than an " apology '' but have not fixed the problem. We should not be paying interest only because this was their mistake for not taking out interest from the XXXX automatic payment. They refuse to offer any solution or help when we have paid all payments on time and have even paid more. They are stealing our money and not allowing us to pay anything toward principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
To whom it my concern, I would like to make a compliant about Chrysler Capital. I have been receiving billings and information at my home address for over three months. I have called Chrysler Capital three separate times to confirm that I am not listed on the loan and to inform them that the mail recipients do not reside at my address. I have requested that the mailing stop being sent to my address and that my address not be on record for the loan Chrysler holds. The names on the loan are for my ex-husband, XXXX and his grandmother, XXXX. This loan was executed with Chrysler Capital after the finalization of my divorce and after XXXX had move out of the house. XXXX does not have any ownership of the property located at XXXX Michigan XXXX nor did he live here when he purchased the vehicle. I would like Chrysler Capital to remove my address from their records and stop mailing statement/billings to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
found out that over the past 2 years literally XXXX payment has had even just a little bit applied to the principle balance. over XXXX paid and only XXXX paid on principle. I currently owe more that i loaned for and more than the car is worth. auto lender- SANTANDER .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
XXXX, XXXX, XXXX, has a Santander Consumer Auto Loan that is showing up on my credit report that is not me. I spoke to Santander today at there Credit Dispute Office and they confirmed that this auto loan is not me and that I never had a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On or about XX/XX/XXXX i purchached a XX/XX/XXXX XXXX from XXXX in XXXX ca. For XXXXWithin two weeks the vehicle was towed XXXX they replaced a eater pump which again exploded cracking the block. I requested they replace the engine severral times and they denied my request. Knowing and willingly they they closed the first contract to sever my right to sue and opened a new contract for the sale of a XXXX which also had mechanical problems when i took it in they advisrd of a rotor replacement and did not repair any other parts neededwhich ate up XXXX tires it was serviced on the last day of the warranty. Thereafter it was repossed and i lost my evidence while in sear h of an attorney and now have no car and bad credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Vinson Mortgage Services, Inc.
State: MO

Complaint narrative:
Vinson Mortgage charged {$9900.00} to refinance and consolidate our mortgage by explaining how the refunded escrow and skipped payments would offset these fees. They GROSSLY exaggerated these benefits. They had us sign blank and undated forms. They had us sign that we received info that we did not receive. We were told to sign but NOT date forms. We were sent forms with missing pages. We were consistently mislead and given inaccurate information and false information from XXXX. 
We were told to SKIP the XXXX payment for our mortgage, but that was erroneous info that COST us $ XXXX/day for the 15 days XXXX kept telling me not to worry or not to pay because the payoff amount was already issued. We were told that the escrow amount in our current mortgage would be refunded to us in an amount of around {$2000.00} when the actual amount was less than half of that. XXXX had a habit of responding to written questions via phone conversations or in person talks. He actively evaded providing written, texted, or emailed information that could be used as supporting documentation ( which raises suspicions about his ethics ).

Company response to consumer: Closed with explanation