vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
First of all, I had to disconnect my home phone because it was the only way to stop unwanted soliciting calls from Nationstar Mortgage. Seriously. I HAD TO DISCONNECT MY HOME PHONE BECAUSE OF THEM!!! 
They, Nationstar bought my mortgage from XXXX, of course without my consent, and since I had a home phone number on file, they started calling twice a day every day begging me to refinance the very same loan they just bought the way it is. I had to say I do not want to refinance the loan hundred times. I talked to manager, and to managers manager, and they keep promising the soliciting calls will stop but they did not till I disconnected the line. Thanks God I was smart enough never to give them my office number cause like I sad I had to disconnect the phone to get rid of them. That is the reason I will never call them from my cell or office line not to let them have the numbers. Now, they started making mistakes on my payments and charging " Other '' from my monthly payments. So I went to their web site to send them email and inquire about it but to my disbelief their web site is not working. Of course only if you want to send email, I guess to prevent customer complaints. And it is not working for many days now, since last week. I just ca n't believe this joke of company has a license to do this business in the States. They can not introduce new " Other '' charges to MY MONEY just because they want to. Right?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
PHH Mortgage XXXX has engaged in a pattern of action that has prevented me from submitting a complete modification package. PHH actions have included : Refusal to access or acknowledge previously documented instructions and communications by PHH personnel to me with respect to steps to avoid default Case Managers/single point of contacts have stated " I do n't have access to your file or any records of previous conversations '' ... '' it 's not my job to find out what anyone in another PHH department told you '' Threats including threats for me to not communicate in writing Repeated loss of documents and accusations of non-submittal despite my file being submitted by XXXX HUD Counseling Agencies and ( NACA and XXXX XXXX XXXX XXXX XXXX Misrepresentations, false statements from the beginning of my hardship to the present that caused me harm and prevented me from avoiding damage to my credit standing Instructions by PHH representatives that were misleading, faulty and harmful that caused me to lose options that were available to me prior to my home going into default Repeated refusal to provide accurate information on whom was the investor and/or the means by which the Investor could be contacted Refusal to answer questions or requests for informationListing my home for Trustee sale at the same time a review for modification was stated as being in process

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I just received two letters, one from XXXX XXXX XXXX, XXXX. 
and one from XXXX XXXX, XXXX that my house is scheduled for foreclosure on XX/XX/XXXX with XXXX XXXX, XXXX. 
XXXX XXXX, XXXX has not notify me about the foreclosure nor I do not know Nationstar Mortgage. Where these law firms got there information from I do not know. I have not received any letter from XXXX XXXX, XXXX, nor Nationstar Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Credit reporting companies XXXX, XXXX and XXXX are reporting credit limits that existed before a HAMP loan modification in XX/XX/XXXX. The loan taken out in XX/XX/XXXX with Aurora was for {$600000.00} and was a negative amortization loan. As a result of the recession, I could only pay the minimum payment. By XX/XX/XXXX, the loan balance had climbed to {$700000.00}, and I qualified for the HAMP. Nationstar took over as the loan servicer in XX/XX/XXXX. My balance now shows {$640000.00} with a credit limit of {$600000.00} and a Debt/Credit ratio of XXXX %. I have not missed a payment in 4 years and believe that the Credit Limit should show as {$680000.00} not {$600000.00} since the $ XXXX was the balance at the time of the loan modification. This ratio is very negatively affecting my Fico score by inflating the total Debt to Credit ratio which would be XXXX % and not XXXX %. The mortgage D/C ratio would be XXXX % vs XXXX %. This is an undue burden on anyone diligently paying off HAMP or HARP loans and does not reflect excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
my ex-husband is responsible for the refinancing of all past due and all outstanding payments of mortgage as per divorce documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
I became aware that SELECT PORTFOLIO SERVICING INC Also know as XXXX, SUCCESSOR TRUSTEE TO XXXX, XXXX, AS TRUSTEE XXXX OF STRUCTURED XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MORTGAGE PASS-THROUGH CERTIFICATES SERIES XXXX with the aide of XXXX filed a fraudulent ASSIGNMENT OF DEED OF TRUST with the Recorder of Deeds for XXXX know as instrument number XXXX. This document has forged signatures for a XXXX XXXX and forged signature for a notary XXXX XXXX XXXX that also has a fake internet purchased notary stamp. I do not have a contract with these people and I am requesting that the CFPB start to investigate this criminal matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
Keep getting a call for a person that is not me ( XXXX XXXX XXXX. Says they are a debt collection agency and waiting to collect and the address provided is not even mine. 

Would like to stop getting these calls as they call everyday. I do not owe any debt collection agency nor do I know a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Bilateral Credit Corp, LLC
State: NC

Complaint narrative:
this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC
State: TN

Complaint narrative:
I have received several calls from a company called Advanced Capital Solutions about a payday loan that I supposedly received from XXXX. I have informed them on all of the calls that I am not aware of what loan they 're referring to & have repeatedly requested information in writing stating who I owed the money to, when loan originated, whenwhen the funds were deposited into my account, when they tried to withdraw the funds from my account & how much I owed. They said that they would send me an email which I never received. I then received another phone call today in which I asked the woman to send me the information via postal mail since I never received the emails that they supposedly sent & she refused saying that it would be too costly to the company to send anything through the postal service. I did, however receive an email but it only stated that I owed {$530.00}, it contained no other information that I requested. I suspect that this is a scam attempting to collect on a old debt or debt that I know nothing about.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I applied for the XXXX program, which is a discount program on certain traffic tickets that qualify. This program is offered by the collection agency GC Services. GC Services has been extremely deceptive the entire time I have been in communication with them. Multiple of the representatives I have spoken to told me I had a warrant out for my arrest from XXXX XXXX traffic court. I checked with the criminal and traffic divisions of the XXXX Courts, they advised me I NEVER had a warrant. I told GC Services what the courts told me, and at that point I was advised by XXXX XXXX it would take up to 21 business days for them to receive the information they needed from the courts showing I had no warrant in order to receive the discount. I called and checked the status once a week while waiting the 21 business days, just in case they received the information sooner. As the 21 days was coming to an end and GC Services still did n't have any information, I asked what would happen if they did n't receive the information they needed within the 21 days they initially said it would take. GC Services advised me that I would " just have to wait until they get the information and now there 's no definite timeline ''. I tried asking if I could contact the courts to get the information they were looking for, XXXX XXXX 's response was " that department does not communicate with anybody outside of the courts and GC Services ''. So at this point, not only have they lied, refused to let me listen to prior phone conversations between myself and GC Services ( to clear up other lies they 've told ), and refused to review the documents XXXX XXXX Courts gave me stating I have no warrants, they still have not received the documents they need in order for me to receive the discount that I definitely qualify for. Their 21 business day timeframe has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 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: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I am in the process of getting a Security Clearance for a job and I was told by the investigator that when they checked the courthouse under my name and drivers license the following was found ; 1. Citation Number # XXXX XX/XX/XXXX, stating it was turned over to a collection company called GC Services Collection. It did n't have a amount or anything. I tried contacting this company but was unable to get verification and copy of ticket and what violation I commited. Apparently the State of california has created a new branch of government allowing a collection company to do court work. I don'r recall getting a ticket that I would not have paid the fine and the ticket be closed. 

2.Citation Number # XXXX XXXX this is the XXXX ticket that is being handled by GC Services. I went to their site and they are stating that I owe {$820.00} for a ticket i know that has been paid and should be closed. Please assist me in getting this collection company acting as the court of law to remove this erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Turning Point Solutions LLC
State: CA

Complaint narrative:
GS Holdings in NY called me last week and demanded I pay a debt and threatened that papers were filed to sue me. I gave them my debit card after they told me they would send verification that I paid and the debt was cancelled as soon as my card went through. They immediately took {$1000.00} out of my account..I never received any verification letter ( they were supposed to email it ) .I waited 5 days and no letter so I contacted my bank and they reported it as fraud. I realized I was scammed. One week later a man named XXXX XXXX the director of operations so he said, called and started threatening me because I cancelled the payment and reported it. He started screaming at me and threatening me. I told him to stop yelling at me that he was not my father and he is unprofessional. He screamed " You sound like my wife '' ... .I told him I talked to my lawyer and my lawyer said to have GS holdings call him call him. The man started screamed at me again and then hung up. I tried to call the number back and it said the number was unavailable. That is definitely fishy, why would a legitimate company not have telephone that worked? And they called off different numbers but all from XXXX XXXX My lawyer said debt collectors can not call you and they can not yell at you or threaten you. He told me to absolutely not pay it, he thought it was a scam!! They should be shut down!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
PDM ( Professional Debt Mediation ) send me letter XXXX XXXX, XXXX that my account with XXXX XXXX has been referred to them for collection and I need to send them {$78.00}. The bill from XXXX XXXX ( another name XXXX XXXX was {$31.00} and was paid upon receipt by check # XXXX XXXX/XXXX/XXXX and cashed by company XXXX/XXXX/XXXX. there was a typo with year on check, but company was able to cash it. XXXX was informed ( copy of the check both sides and bank statement was provided by fax, mail and registered mail as well as PDM. Last time PDM was informed I have an attorney to present me and requested not contact me but they still sending me letter, last one XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Bought a XXXX XXXX van from XXXX XXXX XXXX. The van was defective- kept breaking down. Had radiator fluid in the transmission ( This is an impossible thing to fix, as I have read ). I GAVE BACK THE VAN. ( it 's been branded as 'repossession ' ) I told them WHY we were giving back the van- it was unusable, it was dangerous, since it had a propensity for breaking down in the middle of the street with no warning, IT WAS UNrepairable. Credit Acceptance took back the van, was told about it- and expects to be paid for the *loan*. Basically, they took back merchandise, resold it, and still expect money for it. They are currently trying to take me to court ... 

I call that stealing.

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 2016-10-23 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
So-called Creditor is in direct violation of FDCPA, FCRA and has not supplied XXXX / XXXX 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 explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit acceptance need to not make me responsible for any payments once my dad passes. The car is in his name.

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 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
In XX/XX/XXXX we started having financial difficulty due to a large reduction of income ( 50 % ), increased housing expenses and medical bills due to a child 's XXXX injury. Since then we applied for a loan modification on our own, no attorney involved, at which time we were turned down for too much income. We then hired an attorney and applied for another loan modification that has been ongoing since XX/XX/XXXX. Of course we filled out all necessary paperwork that was needed asap, but the servicer still asks for the same paperwork over and over to this very day. We must get letters, XXXX or XXXX a month stating our file is incomplete and we have had over XXXX dozen case managers since the start of this all. For fear time was running out, our attorney said we needed to file XXXX XXXX Bankruptcy, which we did. During our filing, we were under the impression that we did n't need to make payments to the trustee until the BK was accepted. That was incorrect and the BK was therefore dismissed. During the few days we were not under bankruptcy protection, the servicer PHH foreclosed on our property without our knowledge. We never received notice here at our home nor did our attorney. We went in front of the judge to reverse the decision as we were still awaiting our modification loan response and were denied. So the bank legally owns our home, while we are awaiting our modification answer. We have filed XXXX lawsuits against our bank trying to explain that the sale was done illegally, without any knowledge of the sale and dual tracking. We have since had to file a XXXX bankruptcy to stay in our home which was denied due to the fact that we do n't own it any longer. All during the foreclosure process we have had contact verbally and through email with PHH, still giving them all the required documentation for the modification loan. So to that end, we do n't understand how our home was sold beneath us? How they can be reviewing our modification loan and still foreclose? We want to keep our home. We have n't gone through all of this. XXXX BK 's, several lawsuits, precious time and expense to just " buy '' time. We have XXXX young children who were born and raised in this home, with the same friends and in the same school system. I hear that banks do n't want to foreclose on homeowners however what else do we have to do to get our home back and our modification loan that we so desperately want??

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
I was several years ahead on my mortgage when I ran into problems XX/XX/XXXX. PHH said they would work with me and said if I made three payments of {$490.00} they would refinance with me at the end of the trial period. At the end of the trial period I signed the documents and sent them back. They refused to accept the agreement. This year I have been making payments still at {$490.00} per month and PHH refuses to talk to me, is slow crediting checks, hanging on to them up to 3 weeks before depositing, and refuses to give me a payoff amount, constantly sending me foreclosure notices despite the fact that I am still approximately 3 years ahead of my maturation date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: NM

Complaint narrative:
When we encountered financial difficulties that we determined would make it impossible to continue paying our mortgage, we completed a XXXX application to request a loan modification from our lender. It was denied. Several months later we asked for approval for a short sale. Over the next 18 months we received XXXX offers, none of which was approved or rejected by the lender. Instead, the lender : & gt ; & gt ; Took at least a month to reply to each of our requests. 
& gt ; & gt ; Asked for the same information repeatedly, ostensibly because the information they had received was illegible or a month old ( therefore out-of-date ). 
. & gt ; & gt ; Did not return phone calls. 
& gt ; & gt ; Insisted that all communications must go through one person XXXX " single point of contact '' ), who was rarely available. 
& gt ; & gt ; Insisted that all updated materials go through the website, NOT to the " single point of contact. " & gt ; & gt ; Sent us loan modification offers, none of which was feasible, and none of which were requested. 
& gt ; & gt ; Closed the file in the midst of processing XXXX sales offer, necessitating that the process begin again from scratch. 

Ultimately our " single point of contact '' urged us to consider a deed-in-lieu of foreclosure. Once we agreed to consider that option, suddenly the process took off, being approved by the lender within the next six weeks. 

We do not feel that we have been well served by the lender, and instead that they never intended to help us with a short sale. We were strung along until we were in the position where we had to accept the DIL option. This will cause tax liability problems that we were trying to avoid.

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 have ( had ) a mortgage with XXXX acct. # XXXX which we were behind on applying for a modification which was denied. We were told that if we made XXXX payments by XXXX2016 that we could take XXXX & XXXX to catch up. We made XXXX payments in XXXX. In the mean time the loan was sold to PHH Mortgage. They have sent us many letters warning of foreclosure. Also statements not showing our payments to XXXX. Now they are refusing to accept a payment they received XXXX2016. Also a letter saying the are expediting foreclosure on our home. I am attaching cashed checks to XXXX and also our check to PHH Mortgage Acct. # XXXX which they say they are not accepting. I am sending the statements that are in error.

Company response to consumer: Closed with explanation