vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: MD

Complaint narrative:
I assumed a loan from PHH mortgage. The original loan amount was XXXX. I assumed the loan in XXXX, at that time the insurance changed from XXXX to XXXX It was part of closing, the amount of the payment changed also, It was appx. XXXX. I began to pay an even XXXX In XXXX the mortgage company sent out an escrow statement indicating that I had a shortage because the insurance had changed. The insurance did not change in XXXX. The amount of the payment had already changed. They then asserted that the payment would be XXXX. I disagreed and requested they audit the account. The change in the insurance was appx XXXX and had been included in the closing and the payment of the loan so any shortage was a mistake on their end. Also, a XXXX change would not initiate a XXXX, which is indicated if the amount of the monthly payment is changed by XXXX as they assert. Their response was that their analysis was the audit, it was right, and there was no need for an additional audit. They then began calling the previous borrower that the loan was assumed from regarding this issue instead of working with me to resolve it. They sent me a letter of default indicating that the mortgage is behind two payments which it is not. I contacted them again, and they said they will initiate an audit for XXXX but can not halt the change in payment until the audit is done because they are sure that it is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
I refinanced my home with California Bank & Trust, they sold the loan without notifying me, and I made my checks out to them for two months after the refinance ( I have copies of the cashed checks ) but they did not forward funds to the new lender. Inside of 60 days I was turned over to collections by the new lender, and after numerous calls to California Bank and Trust, with no results, I am now in default of my loan. A representative of California Bank and Trust has acknowledged their mistake but to date, and it has been over a month now, has refused to reimburse me or pay new lender. I do n't know what to do, but I 've hired an attorney to look into the matter, and would also like to file a complaint. I understand they are legally bound to notify me of selling my loan inside of 30 days, which they most certainly did not. It appears as if my XXXX FICO score wo n't be XXXX much longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I contacted PHH Mortgage on XXXX to cancel my FlexPay agreement as I was refinancing my loan, which was scheduled to close XX/XX/XXXX. On XX/XX/2016 PHH processed my XX/XX/XXXX FlexPay Payment anyway, which not only put my account in jeopardy of being overdrawn and required me to take out a payday loan, but when I called to dispute the charge, I was told that they had no record of me rescinding my FlexPay ( but yet, they somehow knew about the upcoming refinance ) and said they could not refund my money without a letter requesting reimbursement and a copy of my bank statement showing the payment had cleared my bank, and then it would take up to 10 days to " process '' a check. They refused to electronically credit my account even though they electronically debited my account, and they were reluctant to overnight a refund but agreed they would upon receipt of my request for reimbursement. I sent my letter and bank statement to the fax number PHH provided to me on XX/XX/2016. I attempted to call and check on the status of my fax on XX/XX/2016 and was disconnected and then conveniently when I attempted to call again I was placed on eternal hold and then received a recording telling me they were now closed. Today, I emailed PHH demanding status and action, as they continue to be unresponsive, but have no confidence despite my growing frustration and demands, that they will attempt to correct their mistake with any sense of urgency. My refinance has since closed and the original loan has been paid in full as of XX/XX/2016, which means, in addition to the unauthorized debit to my account on XX/XX/2016, there is now an over-payment on my account that PHH has not processed. As a last resort, I have filed a dispute with my bank, and am filing this complaint in an effort to get some action or response from PHH so that my account and the extreme financial hardship and burden this deduction has placed on me and my family, can be promptly resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
Greetings, Once a year, the company which holds the mortgage on my home, PHH Mortgage will send me a check for any overage I have on my escrow account. Since XXXX, I have been waiting for a check for more than {$900.00} dollars. To date, i have not received the check. The company claims they will send it to me shortly but those claims have been made to me since XXXX. Every time I call to follow-up, I am advised nothing has been done. I am not sure who else to turn to. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I contacted my current mortgage company to inquire about refinancing my loan to shorten the term from 30 to 25 years. After speaking with XXXX I submitted an application based on the terms he presented. I was provided with an extensive list of verifications to gather and submit and completed an application over the phone with XXXX. After several days of repeated requests to submit and resubmit the same paper work, I grew frustrated and wrote an email to XXXX informing him that the process was taking too much time from my business day and I didnt care to continue if there would be more paperwork required. XXXX wrote back to indicate he only needed a pay stub and after that he was sure the underwriter would approve the loan and there wouldnt be the need to continue searching for and sending documents. Based on his email to me, I agreed to provide him with the {$500.00} non-refundable fee believing that he was operating in good faith and i would proceed toward a loan. After sending them the funds and waiting a few days I got another message from XXXX indicating that the underwriter now wanted another 8 or 9 pieces of documentation, many of which would take hours and even weeks to obtain, and several that had been submitted previously, some of them more than once. I called to complain and was connected with a supervisor, XXXX, who proceeded to tell me that I never qualified for the loan in the first place and should have been stopped at the application because I do not meet their income to debt ratio. At this point I dont care about the loan, but am curious and very angry about a mortgage lender taking money from me for a loan he knew he could n't make, and worse, wasting significant portions of my time providing documents when the loan had already been essentially denied due to failure to meet credit standards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation
State: SC

Complaint narrative:
Refinance was refused due to improper appraisal. I was charged for incorrect appraisal. Appraiser did not know market area ; did not perform a complete inspection ; included blatantly false and misleading statements on appraisal ; did not use similar properties in similar locations for comparable values ; misidentified zoning classification ; misidentified neighborhood and amenities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sherloq Group, Inc
State: FL

Complaint narrative:
this debt is 10 years old and i believe it is being passed from one collection agency to another so that it stays on my credit report. I feel this unfair and this account should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I have observed Amergy Bank manipulation of my checking account to generate unearned over limit fees for the second time this year.Earlier this year while @ XXXX XXXX XXXX I observed Amergy try to cheat me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
in 1998 deposited XXXX $ in a XXXX XXXX XXXX IRA also in my daughter 's account for XXXX $ My children XXXX went to college -- i supported themwe did n't use this IRA. I Moved XXXX and when i returned home -- had time to go through my records and remember i filed it but did not get a refund. XXXX my children are adults in their XXXX 's. I contacted XXXX Securities many times but they could n't located my records ( as you can see my notes on the paper work, I was transfer to many departments who basically said they could find it -- i should contact the local who set it. so i did some research but the agent no longer worked at any of the offices here in XXXX XXXX but i tracked down agent who agreed to help me find this account but she too could not figure out what happened to my funds because i had a statement -- but she did not give she continued to research and realized that XXXX had sold some of accounts/money market funds ( i do n't the correct term and since the account numbers were not in there records it had be XXXX of the accounts that sold XXXX Right away i contacted Wells Fargo -- an confirmed that yes they buy some of the fund things from XXXX but since my account was so old- they would have to do research and that would cost. The fee they wanted to charge me to do it was unreasonable and almost more that the funds i had in my small IRA. The conversation was disturbing that i decided to wait and just walk in to a Wells Fargo to ask for help but i was frustrated and not sure what to do because after agent tracked it down or at least could tell by my account that it was an old XXXX number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
Zions Bank of Utah seized the money from my savings account for inactivity with no notice until after they took my money on XX/XX/XXXX. They say I 'll get it back, but still do n't have access to my money, XX/XX/XXXX statement said account was 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 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Allied International Credit Corp., (US)
State: GA

Complaint narrative:
XXXX XXXX XXXX continues to hire collection agencies to hound me for a bill that I have already paid. I have sent proof of these paid bills to XXXX but they refuse to accept it. 
I explained to the XXXX XXXX collection agencies, from 2012, what was happening and I have n't heard any more from them. The XXXX Collection agency sent me a letter last week asking for payment. 
I would like to settle this so that they hounding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I had my loan servicer changed apparently which I discovered when my payment was returned. My old company very nicely helped me get the new company information which I input into my online XXXX XXXX billpay. 
That payment was sent out and recieved successfully several months. 
Then my XX/XX/XXXX payment was rejected by PHH Mortage and returned to XXXX XXXX creating a late payment and fees and so forth. My repeated calls to PHH resulted in being treated like a liar and an XXXX when i clearly had proof of successful payments and a rejection by PHH of my payment through XXXX XXXX. 
Now PHH refuses to work with me and has assessed fees of various kinds and i am sure has dinged my credit. 
I do not want to work with this company and feel they are a terrible company. 
I did not consent to have my loan servicer changed and want my old one back! 
I cant be looking forward to 30 years of this TERRIBLE customer service and deceptive practices. 
https : //www.phhmortgage.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
XX/XX/XXXX I had water damage. I filed a claim with my insurance company who issued a check to me and my mortgage company XXXX. I completed the required paperwork, endorsed the check and sent to XXXX. They promptly issued a check back to me. A couple weeks later i received another check from the insurance company. I filled out the paperwork, endorsed the check and forwarded to XXXX. The day before ( XX/XX/XXXX ) they were to issue the check {$2800.00} to me, my mortgage was sold to PHH # XXXX. I have made no less than 8 calls to PHH requesting that they issue to a check to me and they keep saying " we are waiting for corporate to decide when to release the funds ''. I have provided PHH with the document from the Insurance company regarding the Repair Estimate, completed and provided PHH 's Loss Draft documentation via fax, uploading into their website and US mail. I CAN NOT complete work on my home until these funds are received. I feel as if my money is being held hostage. I 'm living in a home that is in disarray as I can not complete the work without the funds. There is absolutely no reason why these funds should not be released to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NH

Complaint narrative:
My mortgage was transferred by PHH Mortgage to a third party mortgage service company without formal notice to me my PHH Mortgage. Complaints and questions were met with a telephone tree of customer service reps with no answers. Further escalations resulted in form letters and evasive conduct by PHH Mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been paying on equity line of credit for 10 years which was an interest only account I had no idea this I have been paying {$19000.00} and now I still order complete {$50000.00}. 
These in my Pinyan a predatory practices and out unlawful I have tried to reach them by phone and have been sent from phone call to phone call with no response. what they have done should be unlawful. I will have paid {$100000.00} by the time I 'm done.

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 2016-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation
State: AL

Complaint narrative:
I had been working with this mortgage broker for over 6 months with a pre approval letter he told me that I qualified for a loan for XXXX. After looking for a home and submitting all the paperwork ad setting a closing date. I do n't get the home that I want. He kept lying to me about my credit, or my debt to ratio, or have n't been on my job long enough.

Company response to consumer: Closed
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
Our mortgage service company was changed from XXXX to PHH. All of a sudden, we received their statement wanting for us to pay more into an escrow account. This is a big surprise. We never agreed on an escrow account. We have been managing our taxes and insurance by ourself and none was late or anything. We have not received any communication from PHH about what happend and why we must pay more into this new escrow account. 
We used to pay {$2400.00} per month ; now they want us to pay {$3400.00}. This is a big increase we are not prepared yet. We are surprised at this escrow. We will call them ( PHH ). in the meantime, we want to pay the $ XXXX/month. Is it OK? In other words, can PHH force an escrow account on us without our consent? Thanks for explaining to me why is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a tale of a merchant account set up by Bank of America ( BAC ) without my permission and without any due diligence. 
On XXXX/XXXX/XXXX, I received from XXXX a package that contained a merchant account data input device that was sent from Bank of America. My wife also received a voicemail message from XXXX at BAC, XXXX XXXX XXXX XXXX, asking about some charges against the merchant account in the amount of approximately {$10000.00}. 
On XXXX/XXXX/XXXX, XXXX called me on my cell phone and asked about charges on a merchant account. She said the account was opened in my name with my social security number ( SSN ). I told her that I did not open the account so she said she would close the account. 
I immediately checked my credit reports for XXXX through a XXXX online query. None of the XXXX agencies had a record of a recent request for credit. 
In a later call to BAC, I obtained the merchant account number : XXXXXXXXXXXX. 
I filed a report with the local XXXX ( XXXX ) Police Department ( XXXX ) on XXXX/XXXX/XXXX. The XXXX kept the shipment from XXXX including the data input device as evidence. 
On XXXX/XXXX/XXXX, I received a call from XXXX XXXX, reportedly from XXXX XXXX XXXX XXXX My cell phone said the call came from ( XXXX ) XXXX. She said she was making a credit claim as a credit collection service for XXXX XXXX XXXX in the amount of {$1900.00} against the aforementioned merchant ID account number XXXXXXXXXXXX. She gave me a reference ID number YYYYYYYY and a direct line phone number to call her back ( XXXX XXXX XXXX. I told her that the account had been closed by BAC last year ( as described above ). 
I called XXXX to discuss the status of this and spoke w/ Nativa at BAC mobile support, ( XXXX ) XXXX. She said that the merchant account was closed and that the call was a phishing call and that I should ignore it. I asked her to send me a letter or an email to confirm what she said and she said that she could not do that. 
I have not called XXXX XXXX to follow up on their claim. 
I have been damaged by the reckless manner in which BAC opened the merchant account without due diligence and I continue to be harassed by other parties as a result of their gross negligence.

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 2016-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America customer service charges and telephone fees and non disclosures and discrimination in lending hold fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I ordered {$700.00} worth of gift cards from XXXX. After contacting XXXX 4 times, I received no response from XXXX ( I was told someone would get back to me/never did ). Finally opened a dispute with Citibank since XXXX would n't even talk to me and never delivered the merchandise. Citibank now sent me an enotice saying XXXX said they delivered the cards and Citibank would uphold the {$700.00} charge from XXXX. XXXX never delivered the cards. XXXX sent me a tracking number XXXX that even today shows no movement or delivery. I forwarded this email proof to Citibank but I still do n't see a permanent refund to my account. Apparently XXXX just has to say they delivered even though I have proof otherwise. XXXX 's own tracking number they provided in a customer service email shows no delivery was ever made as of XXXX XXXX. The cards were due on XXXX XXXX as XXXX gifts. Obviously useless this late as I had to replace them. Citibank is not helping me at all and has found in XXXX 's favor even though I have proof otherwise.

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