vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
We are filing a complaint based on illegal representation of loan modification procedures and omissions of Nationstar Mortgage ( NSM ). 
After a long and heated battled in foreclosure court our family was finally awarded/granted a loan modification under the Making Home Affordable program ( MHA ). This modification outlined payments to start on XXXX XXXX, 2016. As my family was of course elated to finally have an opportunity to resume payments on our loan which had been delinquent for some time due to job loss. We promptly made our payment of {$700.00}, only to be rejected by NSM. 

When we made our inquiry with NSM, as to why the payment was returned, it was brought to our attention that a mistake had been made on the loan documents. A mistake which NSM, advised would need to be corrected before any payments could be accepted toward the new plan. It was stated that the plan did not contain my wife 's name XXXX XXXX and they needed to be reprinted. This negligence has led to further disarray and miscommunication between myself, NSM and the loan documentation department. 

Once the documents were finally corrected and resent to my family. I was then instructed to hold my payments until I was contacted and was not contacted until XXXX XXXX, 2016. At that point, I was instructed to complete an ( ACH ) draft payment from my personal checking account on the date of XXXX XXXX, 2016 in the amount of {$2100.00}, which would then bring the account current and finalize my permanent loan modification. 

After this payment was completed NSM, still refused to complete the loan modification and covert to permanent deal. I was then contacted and advised that by agent XXXX XXXX, that it was necessary to pay {$1400.00}, or my loan modification would be canceled. This act of extortion has gone too far and refuse to continue to be misled by NSM and their deceptive servicing and lending practices. In fact, XXXX XXXX advised that he is not positive that if this amount of {$1400.00} is paid there is no guarantee the deal will be made whole. 

Now NSM, is attempting to undermine the terms of the national mortgage settlement as well as the MHA program itself. They are intentionally forcing my loan back into a delinquent status and ultimate foreclosure. This is evident and has been identified on multiple levels. 

This crime need stop be brought to a halt, and our family is prepared to file a civil lawsuit in order to correct this matter immediately. We implore the CFPB to take action regarding this tragedy of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: WV

Complaint narrative:
I have an account through BBT and I also have a vehicle loan. On XXXX/XXXX/2016 my husband was hurt at work and has been unable to work since so after talking to BBT we decided to do a voluntary repossession on our truck that we was paying XXXX a month for because we knew that we couldnt pay it with him not working and we didnt want to get behind. When we took the truck back to the BBT location XXXX of their employees told me that they would sale the truck and if there was still an amount owed they would set up a payment plan with me. After that day we had recieved nothing from BBT about our truck being sold. Today XXXX we went to get groceries and our cards wouldnt work so we went over to the same office where they tell us that the collections dept. had froze our account and zeroed it out leaving us with no money which was around XXXX. The guy we had dealt with before said he had never seen them do that and he tried calling around for us but didnt get anywhere. I called and spoke with a collections manager with BBT and she told me that it is standard procedure to take what is owed to them and that it was in the papers that we first signed when we got an account with them even though that has been many years back that we started up an account. What I dont understand is that we have been loyal customers with BBT for years before getting this truck loan and we have never overdrafted or had any problems with them and we have never been late on our vehicle loan either. We didnt get any information saying that we still owed on the loan, they just took every bit of money that we have instead of trying to work with us and do a payment plan. We could have just kept the truck not payed the payment and a couple months from now they would of repossessed it but instead we tried working with them and they done this too us, leaving us with a balance of XXXX in the bank and no cash

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 2016-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Good Morning, Today I ask for help, because I 'm trying to do the modification of loan, a few years ago with NationStar mortage, all because my rate this very high XXXX ( rate ). Already sent the documentation for them as not reach my goal.Find a lawyer who promised to help me.Make paid like it, she Recommended then she disappeared with {$3500.00}, and i have the receipt from the bank. Then I return to square XXXX .Find another lawyer who did all procedures, which also failed to further discovered that it was doing wrong according to the bank. In short I am in Foreclosure sale for XXXX/XXXX/XXXX at XXXX XXXX I need help because I do not want loose my house. Because in XXXX my house bought the same {$500000.00} and gave XXXX. I do not have anything, only my home. They can help me need urgent.Please. 
Every lawyer contact me saying going to help is Scam.URGENT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Merchants and Medical reporting erroneous accounts to XXXX credit bureaus that have not been verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I just recently discovered that I had XXXX hard inquiries on my credit report which should have been reflected on my husbands credit report. In addition, he was led to believe that they would be soft inquiries since everything was internal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Its been weeks since I initiated the short sale in my XXXX and Nationstar has not responded. They added another foreclosure sale date for next week, XXXX XXXX, 2015. Nationstar continues to tell the borrower that they have not received the short sale package however, they refuse to initiate the file in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Western Portfolio Assets
State: PA

Complaint narrative:
I was contacted on XXXX/XXXX/XXXX by a woman who identified herself in a voicemail, stating I would be served papers on XXXX/XXXX/XXXX at my home address, between the hours of XXXX-XXXX. On XXXX/XXXX/XXXX, I received a phone call at work, at approximately XXXX, from someone who identified themself as someone from the local county office of where I live. I was told that I failed to receive my papers for a lawsuit, and to arrange being served, she transferred me to a gentleman named XXXX XXXX with XXXX XXXX XXXX. XXXX XXXX stated he worked for the Litigation office, and that he would help me with having the process server rerouted and not to appear at my place of work. 

I inquired on the matter of what I was being " served '' for, and XXXX XXXX explained that it was and old Debt, from XXXX XXXX XXXX, which was defaulted in XX/XX/XXXX. By law, XXXX XXXX has 4 years to pursue a lawsuit against me to recoup their debt. I was instructed to make arrangements for the settlement outside of court, or I would be served papers for the lawsuit at work. Also, XXXX XXXX tole me that failing to be served is the same as failing to appear at court and my wages would be garnished, as well as a lean would be put on my house. 

Being suspicious, I called and explained the situation to the Attorney Generals Office. The person who I spoke with in the Consumer Protection Division, agreed that she thought this sounded like a scam. 

I called XXXX XXXX back, at XXXX XXXX XXXX ( XXXX ) and stated I thought this was a scam. He became very upset and, among other things, proceeded to tell me that he would contact my employer and garnish my wages. I instructed him to not contact me at my place of employment, and requested that I be notified in writing of the debt to be validated. I also asked for the address and number of his company, but he told me that I did not need that information and that it had nothing to do with my lawsuit. 

After XXXX XXXX hung up on me, he contacted my company 's accounting department and stated that my wages were to be garnished and he would fax over the paperwork. As of yet, we have not received the paperwork.

Company response to consumer: Closed
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
There was no signature or contract verification of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: WA

Complaint narrative:
My mortgage was transferred from XXXX XXXX to PHH Mortgage effective XXXX XXXX 2016. 
In the Notification of transfer I was instructed to make my next payment to PHH in the amount of {$1800.00} which I did. PHH applied the payment to principal XX/XX/XXXX. XX/XX/XXXX, I checked my account online to find my monthly payment due XXXX/XXXX/16 was {$1900.00}. I never received an invoice or bill explaining why I was instructed to pay the lesser amount and that I needed to cover the difference by XXXX/XXXX/16. I contacted PHH today XXXX/XXXX/16 they said I could pay the difference over the phone but I am away from home on business and do not have my routing number available to make the funds transfer. I am afraid by the time this gets settled my payment will be late and that will effect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Recovery Partners, LLC
State: CA

Complaint narrative:
number is XXXX in XXXX arizona. claims he is a XXXX and associated with XXXX. threatens to take drivers license, arrest me and other family members. has called every XXXX of my relatives harrasing them. extremely threatening and rude. uses strong arm tactics and attempts to gather personal and sensitve information. threatened my grandmother with arrest and legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: NM

Complaint narrative:
I am the personal representative of my father estate. I have been trying to get my home refinanced for several years now. However the mortgage provider will not allow me to do so because the mortgage is not in my name. They seem to not understand that i 'm trying to get it in my name. I have provided them the court order from the judge making me the only person to have access granted to the mortgage to make changes needed to help me lower my monthly payment. this has been an ongoing battle for years. i 've fallen behind in payments simply because i can not make ends meet. I have sent them copies of court ordered documents and death certificates back in XXXX i have yet to have had any luck with this company in helping me with my problem. i have a right to protect my fathers home that he left for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Mitchell Rubenstein & Associates, P.C.
State: VA

Complaint narrative:
Mitchell Rubenstein and Associates has only XXXX person answering phone calls and returning messages. It took more than a week for me to finally get to speak to a human being and I had to call 6 times in a row in order to finally get a human. I received notice on Thursday XX/XX/XXXX that they had placed a garnishment freezing all of my accounts and my family 's accounts at my employer and financial institution. I began calling immediately and could not get a human - just an answering machine. I left several messages and received XXXX message back on Weds XX/XX/XXXX at XXXX. Today XX/XX/XXXX I called six times in a row in effort to finally get someone to talk to. Her excuse was she was the only one answering the calls and that they were a little short staffed. Here I am trying to pay a bill and ca n't because they 've made it impossible to pay them unless I want to offer my frozen checking account information to them via internet or phone system. Being a victim of recent identity theft through the IRS I did not feel comfortable in sharing that information without speaking to a human being. They should find more people to handle their business or perhaps not handle as much business until proper service can be provided. Worse yet I could n't pay them unless I borrowed money from someone and pay them back when my funds were released at my financial institution. If I issued a ACH debit through their system it would be returned due to the freeze they put on the accounts. " A catch 22 '' as the agent at Mitchell Rubenstein stated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Western Portfolio Assets
State: WA

Complaint narrative:
" XXXX '' stated he was a process server serving a law suit and to report to " XXXX '' which is a phone number. He called me a load when i said that they cant serve papers over the phone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
I have my mortgage with PHH Mortgage since XX/XX/XXXX. I recently declared a Chapter XXXX. My Mortgage Company Froze my account until the case was resolved which I understand is the correct thing at that point. However, As perXXXX/XXXX/XXXX, my lawyer as told me that '' All disagreements about my case with my mortgage company have now finally been resolved and I can now start to make a regular monthly payment ''. I need to know the correct monthly amount now and going forward. as well because my annual escrow statement was mailed to me saying my payment will change, so I am also not sure which amount to use {$710.00} or {$670.00} or something else? However the BIGGER issue when I have now attempted to make a payment and get the correct amount to pay they tell me the amount, no one at PHH Mortgage will except or let me make my payment. They say their system has not been updated on the case details and my account is still Frozen. Some of The departments with PHH Mortgage that I have tried to make a payment too are : ( Regular Service Dept, Loss Mitigation, Foreclosure, Default, Online, Their Attorney and they tell me if I mail a payment and the system is not updated they would not even take that. They would send my check back to me with a letter ). By Bankruptcy law, I must make all required payments as indicated and this payment is one of them. By blocking me from making a payment, I can have my case dismissed by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Secure Lending Incorporated
State: FL

Complaint narrative:
My number is currently being spoofed by Secure Lending Corporation. For several months, they have been calling people in XXXX County ( they only appear to call numbers with the XXXX area code ). I would get people calling me attempting to " return my call ''. When I tell them that I did not call, some would get upset with me. I did not know why this was happening and without a company to file a complaint against, I had little recourse. But finally they slipped up. 
They happened to call my wife while spoofing my number. With my phone next to me, there was a call coming in on wife 's phone and it was apparently me calling. When I answered, the lady said she was with Secure Lending and she wanted to talk to me about my mortgage. When I asked here why she is spoofing my number, she immediately ended the call. 

Ultimately, I would like to stop this practice. I hope someone will be able to stop them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I purchase a vehicle from motorama auto dealership in XXXX of XXXX within 30 days I had tire problems and half of my Dashboard lights went out. It was during this time that the owner of the company told me that he never touch the tires ( Which I do n't believe because they were brand new ) But he said he put a Engine in it which he did n't tell me when I bought the car. 2 months ago the engine started to knock and the Alternator went out a month ago. The dealership said when he bought the engine it had a month warranty. And quoted me XXXX plus the cost of the engine. I am still making payments on this vehicle. I feel this dealership operated in bad faith.

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 2016-03-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
SENT THE PERSON PAYPAL FOR A PRODUCT AND THEY SCAMED ME

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
on XXXX the branch manager came to my home and harrsed my wife.He ask for me, but i was n't home.He told her that he would send the cops after me for stealing their money.also he said he would come to my job and inbarrese me.He also stated that this was his third time comeing to my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UMB FINANCIAL CORPORATION
State: IL

Complaint narrative:
QuikTrip corporation changed credit card issuer from UMB Bank to XXXX XXXX XXXX XXXX. Unlike others who have changed XXXX XXXX wanted me to reapply for QuikTrip card. I had been with QuikTrip for over eleven years and had a great track record of paying my bill. I know that come XXXX XXXX, 2016 my credit card account with QuikTrip is over. When it hits my score will drop again because its an old account almost eleven years. Other cards I have change issuers and they just sent me out a new card. I guess QuikTrip just wants to throw out all those loyal customers that do n't deserve their loyalty. This is the way QuikTrip does business I guess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I purchased a Jeep wrangler in XXXX of this year, the payment is automatically drafted from my checking account with XXXX Bank on the XXXX of every month. In XXXX I called Credit Acceptance Corp, asking if I could change the draft date due to an unexpected emergency. I asked to see if the contracted could be changed to later in the month due date because that is when I receive my Social Security and I would not have to worry about being late. They stated that there was n't any way to change the payment date in the contract and I was told that there was a XXXX day grace period after which a {$17.00} late charge would have to be paid. Since my next Social Security Check would be coming in on the XXXX of XXXX the payment would be {$370.00}. I set up this amount to be drafted from my account on the XXXX XXXX to prevent any XXXX late payment on my credit. When I investigated by calling Credit Acceptance legal department, I was told that my bank told them that there was insufficient fund to make this payment on XXXX XXXX. XXXX See attached online bank information showing no attempt was made by Credit Acceptance to draft the owed amount and my bank verifies that they did not have any ACH payment request from Credit Acceptance Corp any time during that week. ) On XXXX XXXX Credit Acceptance Corp reported both myself and Co-borrower XXXX days late which has had devastating effects on XXXX our credit reports. 
Also I received a letter from dated XXXX XXXX, 2015, that mis-lead me to believe that as long as the payments were all up to date by XXXX XXXX my account would be considered never in Default. The Account is paid to date, they were able to take the XXXX Payment out and I had my bank pay them directly for any pass due to avoid any other payment recording errors. 
I did everything I could to make the XXXX payment before it was XXXX days late and Credit Acceptance did not keep their part of our agreement. I am requesting that the XXXX day late reporting should be removed from my report and should be showing as paid as agreed on both mine and XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief