vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I previously contacted your agency on XXXX XXXX, 2015 regarding my loan with Credit Acceptance Corporation ( CAC ). At that time, you accepted CAC 's response that they had tried and failed to contact me with an explanation of the money that was supposedly due them. You were given false information as I have not received any phone calls or written correspondence from CAC with any information. In fact, I have called CAC numerous times to try to straighten this out only to be transferred from person to person ( who could n't answer my questions ) and be falsely told that someone would be call me back with answers. To date, as I stated above, no one has contacted me. Because of this lack of communication on CAC 's part, my truck was re-possessed this morning. I think the way this matter was handled by CAC has been unfair, unlawful and unethical. I will be attaching a spread sheet showing what was due and what was paid as well as a copy of my initial complaint to you. I need to get to the bottom of this as when they took my truck, my daughter 's purse was in the truck which contained her driver 's license and her social security card as well as those of her minor children. As she is a school bus driver, she can not work without her driver 's license. This situation has gotten out of hand, please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I am requesting that CFPB investigate the lending of credit practices ofCredit Acceptance Corporation. The vehicle loan product presented tome was done in very deceptive manner. I advised their representativethat the due date of the payment of my loan did not coincide with mypay date. I was advised not to worry because I was given a grace periodper the coupon book. I am constantly being harassed byCredit Acceptance if I do not get the payment in by the XXXX of the monthI have attached the coupon book and correspondence that I received onXX/XX/2015 stating the intent to repossess. Their practices are verydeceptive because the coupon book says by XX/XX/XXXX a late fee will beassessed and I was given the same information by the representativewho sold me the product but instead I receive an intent to repossess letter that isdated XXXX/XXXX/2015. The XX/XX/XXXX payment was made XXXX/XXXX/2015. I have filed a complaint before but now I want the corporation and it 's practices to be investigated. Please note : I have never been 30 days late on mypayment. I am a customer in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I called in to get a payment arrangement set up on my account and spoke to a representative by the name of XXXX. He was extremely rude and very hostile during the entire conversation. He kept asking questions like why I was n't able to make my payment on time, that when I signed up for the loan I agreed to make the payment on time, etc. I explained to him that I paid majority of the car note and that the automated system gave me until XX/XX/XXXX, that I needed until XX/XX/XXXX which was my pay day to make the payment because I did n't want to fail the payment arrangement. All I needed was 3 days more, the rep became even more rude and began talking to me in an inappropriate manner stating I should n't need the additional time and that I need to keep the arrangement or see if I can get the money from someone. I asked to speak to a manager because he was being rude and he stated he was a senior rep. He stated I have a sub-prime loan and that his company already took a risk at giving me a loan so I need to make my payments as agreed. I began to raise my voice and get out of character with him because I could n't believe he was actually talking to me as if I was a nobody and the money came out his pocket. I 've had my vehicle since XX/XX/XXXX and this was my first payment arrangement, I have never been late on my car payment. Every time I call this place, the reps are nasty and talk to you like you are trash. I asked to speak to management after dancing with him verbally for a few minutes and they gave me the extra days without a problem. I can never get what I need resolved without constantly enduring the lack of customer service from the rude, condescending, very judgmental collections representatives that work for Credit Acceptance. They act like they hate their jobs and the money is coming directly out of their paychecks to finance the customers they have to service. They call you constantly with their automated dialers and they will harass your references as well. Then when you call then to ask then to stop with all the calls, they will have the nastiest attitude. We already know when our payments are due, we do n't need calls 10 times a day and we do n't need our references to be harassed as well. I do n't need my references in my business and knowing when my payments are due. Especially dealing with the reps nasty attitude.

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 2015-07-03 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:
Collector came to my home honked horn for XXXX minutes with only my sick mother in law home. She finally came to the door and the lady asked if she was me. She said no she was n't. The lady demanded to know where I worked, what I drove, and when I 'll be home. She did n't tell the lady anything and asked the lady to leave the property. She refused and continued to raise her voice at my mother in law. She was asked to leave again and still refused. Mother in law said that she would call the cops if she did n't leave. Woman said that she would come back next time with officers to arrest me and threw a letter at my mother in law. Also note we do have no trespassing signs at several locations on property. 

Company also calls my phone several times a day and leaves voicemails that are threatening in manner demanding I call and resolve the matter before further action will be necessary. 

On another occasion she called my mother in laws phone ( never gave any number besides mine ) tell her to call her back and made it very known company and that she was trying to collect from me. My mother in law was a customer of company before bankruptcy. I assume that was how she obtained her phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Credit Acceptance Corporation funded and servicing a joint account that was produced at XXXX XXXX XXXX in the amount of XXXX after we left the dealership on XX/XX/2016. Credit Acceptance Corporation was notified of the incident and failed to investigate. Credit Acceptance Corporation stated due to pending litigation they will not respond ; and continue taking unauthorized payments from a XXXX XXXX in XXXX Maryland

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 2016-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
My credit was destroyed by my mortgage company. I have tried to dispute the incorrect I formation online. It started XX/XX/XXXX. I started to fall behind due to divorce, and no help from ex spouse. I was 2 months behind XX/XX/XXXX, went to make the full payment and they sent it to the lawyers. I called their lawyers and they refused payment. They said I had now to do a modification. I told them I did n't need one. They said it was too late and there was nothing I could do. Then I fought with this company for over 6 months doing this modification. My point of contact by email would never respond. I would scan and send all the requested documents. Then weeks would go by with no replys. They would then say my information was outdated and make me do it again. I was served foreclosure papers in the meantime of this mess. Went to court twice, with all of my documents. I started forwardingredients their lawyer everything I sent them as proof I was doing it. This just dragged on. They finally completed their what I feel was a huge scam. I owed close to what the original loan amount was after 9 years of payments. My loan amount was {$82000.00} in XX/XX/XXXX, i owe {$77000.00} now XX/XX/XXXX..HOW?? They just " applied '' over {$1000.00} credit to the account from a review of this mess. Never with any calculations as to how this came about. PHH had a lawsuit against them filed in NJ that I called to join, but was n't returned. It was for the SAME issue. They were told to settle with clients they have done that to. Please help fix my credit. Thank you kindly! This company has not handled themselves in a law obeying manner. Looking back I should have done more to fight. But I was so consumed with the kids after the divorce, and myself an XXXX Veteran who has not faired well since I returned home in XX/XX/XXXX. Thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Home Loan Center, Inc.
State: FL

Complaint narrative:
I applied for a loan worth up to XXXX dollars and I was told I had to pay insurance on the loan by purchasing XXXX cards well everytime I purchased the cards I got declined I ended up spending XXXX dollars worth and never received my loan when I was only supposed to pay XXXX dollars worth of insurance the company name was bandwidth the telephone number they used was XXXX they said they were associated lending tree but I believe it was all a scam and now my bank account is in the negative because of these people

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I was applying for a mortgage online spoke to loan officer, who discussed verbally the rates of interest, but never verbally discussed the points they were charging. He said it was compay policy, in this case Quicken loans. While I believe there was written disclosure, the lack of discussion tricked me into believing that there would be no points. By the time I saw the closing docs it was too late and I had to proceed.. 
When discussing a mortgage with a prospective client, I believe that it 's imperative that mortgage officers verbally discus rates as well as points, a {$1500.00} charge on a {$120000.00} mortgage that I did not want to pay. I felt it was sleazy and disengenuos for not mentioning this in our discussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage continues to send me incorrect and inaccurate monthly mortgage statements. This has been going on for a substantial amount of time. Nationstar mortgage still has me under a forbearance plan payment and is incorrectly and inappropriately posting my funds to my account. Nationstar has failed to properly document and reflect my unnapplied funds balance to my account and mortgage statements. Additionally Nationstar has recently, as of XX/XX/2016, started to generate my monthly statements approximately 10-15 days earlier. Prior monthly statements complied with the " Periodic Statement Rule '' 12 CFR Part 1026.41. Nationstar refuses to provide me an explanation or reasoning behind inability to correcting these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I had past due child support put on my credit file in 1996 in the amount of {$60000.00}. That amount has grown to {$130000.00}. I have not made payments on it. The Illinois Dept. of Healthcar contines to move the activity date forward ( and has for 20 years ) to the present month to assure that this never falls off my credit file. 

The Fair Credit Reporting Act provides that an item must drop from the file 7 years from the first date of delinquency preceding the charge off ... that means this item is 14 years past its obsolescence date and clearly out of compliance with federal law. 

I disputed this and Experian left it on my file.

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 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I refinanced my mortgage with Nationstar Mortgage. The closing date was XXXX XXXX, 2015 and disbursements were made on XXXX XXXX. Nationstar had authorization to access my checking account for the monthly mortgage payment. As I said, the account was paid off on XXXX XXXX but Nationstar accessed my checking account on XXXX XXXX and withdrew payment in the amount of {$2600.00}. I immediately called them to get the problem corrected and spoke to a supervisor who acknowledged the error and told me that the transaction would be reversed electronically within XXXX hours. The next day since reimbursement had not occurred I called back and was informed that the re-financed account had been closed and that reimbursement would be made by check sent by express mail. That payment arrived today but the amount reimbursed was for {$2200.00}. The bank had retained {$400.00}. When I called for an explanation they tried to " explain '' that according to their records that amount was still owed and so it was retained. I asked the supervisor, XXXX XXXX, if she was claiming that the settlement sheet ( XXXX ) which showed complete disbursement was incorrect. She said the settlement sheet was correct. I noted that the amount outstanding on the loan as of XXXX XXXX was {$370000.00} and that the payoff amount, which she acknowledged was correct, was {$380000.00} and that payment was made as scheduled on the settlement on XXXX XXXX. I also asked if Nationstar had not improperly billed my checking account for payment against a closed account whether I would have been billed for the {$400.00}. She stated that I would NOT have been billed but still insists that the bank had properly retained the {$400.00}. I then called the Settlement Agent, XXXX XXXX XXXX XXXX XXXX, which verified that disbursement had been made as stated in the settlement and that all accounts were deemed accurate. He also noted that I had received a reimbursement at settlement of {$1100.00}. No one can undertsand what the retained funds claimed by Nationstar are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: MO

Complaint narrative:
I asked my lender B B & T how to eliminate my monthly PMI payments and I followed all of there instructions and after getting the runaround for over 3 months they keep changing there guidelines, now they said I had to contact XXXX XXXX which I did and they said I qualified for the reduction and I had to go thru my lender and now B B & T has come up with something totally different

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
After providing all the documents Nationstar Mortgage LLC asked for a few times over they told the company who helps to modify my loan that I am not qualified. They said if they were to qualify me my monthly payments would be over {$8000.00} a month! That means I have to make over {$24000.00} a month to be qualified. My payments before the hardship was less than {$4000.00} a month and I do n't know how do they calculate in order to come up with such a number. I called and they said the new loan is based on remaining years on the loan with fully amortized. I have heard that banks and servicers offer 40 years with low interest. 
The other problem is when I sent them my income and stuff they still think I do n't make enough money to qualify even for {$4000.00} I was paying before. I do n't think they have all the facts and are not applying correct numbers I sent to them. 
I still do n't have a final letter of denial in writing from them to me but just a note to the law firm who is representing me. I am wondering and scared they may go directly to foreclosure without giving me the chance to appeal and or send my income again because I am not sure their calculation of my monthly income and expenses are correct. 
This happened before when my loan was with XXXX XXXX XXXX and then went to XXXX and now at Nationstar. 
The other thing is all the assignments and transfer documents they presented to me were false and not signed by real people. I have sent them all the recorded documents but they still are trying to use the existing fraudulent and fabricated documents to foreclose on me. 
Nationstar filed a Notice of Default XX/XX/XXXX and Notice of Sale XX/XX/XXXX using fabricated documents. Someone by the name of XXXX XXXX as VP of their company and at the same day and time as VP of XXXX XXXX on same date and time!!! signed Substitution of Trustee and Assignment of Deed of Trust. My question is if you can be a Vice President for XXXX different company in XXXX different countries at the same time??? 
XXXX XXXX XXXX tried the same documents but failed and paid a penalty through Independent Foreclosure Review and now Nationstar wants to do the same thing again. 
I need your help to resolve this matter. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
My name is XXXX XXXX and I would like to thank you in advance for expediting any assistance you can render as the property of which I am writing is scheduled for Foreclosure sale on XXXX XXXX, XXXX. Suffice it to say -- - I am in dire need of assistance. 
As mentioned, my name is XXXX XXXX. In XXXX my mother, XXXX XXXX, who is near XXXX years of age took out a reverse loan on her property - XXXX XXXX XXXX XXXX XXXX, MD XXXX. Unfortunately, she did not pay the taxes and her home was purchased in a tax sale by Champion Mortgage. When Champion Mortgage could not get their money for the taxes they went to court and had my name added to the loan. Thereby making me liable.The property is scheduled to Foreclose on XXXX XXXX. It was recommended that my mother file bankruptcy to stop the foreclosure. What else can we do? I am very troubled by all this as I do not want to file bankruptcy, In fact, I do not believe my name should be on the loan. Please help. My Real Estate Agent - XXXX XXXX at XXXX My mother - XXXX XXXX - XXXX and my number XXXX -- Please leave a message and I 'll call you back immediately. I am working and would have to find somewhere to talk in private.

Company response to consumer: Closed
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Nationstar Mortgage- Loan # XXXX I ) My account representative is n't very reachable. I have called and emailed several times without receiving a timely response. 

II ) I have been asking to fill out the mortgage application two times and there is n't a clear log of the information that I sent in. 

III ) The review process is n't complete and the list of open items keeps on changing from week to week. I ca n't get a final list of missing documents. 

a. I was told on XXXX XXXX that they need XXXX more documents to complete the loan process I sent them in on the same day. 
b. On XXXX XXXX - I was told that the reviewers are still missing XXXX difference documents - I emailed the information on XX/XX/XXXX. The review process still wasnt final c. On XX/XX/XXXX I received another request for XXXX different documents IV ) My reinstatement loan balance keeps on changing because of the delays above. I 'm seeing more legal fees assess to the account V ) While I 'm applying for a loan modification a Sheriff was sent to the property to give my tenant 20 days to vacate the property on XX/XX/2015 The load modification is being delayed while the lawyers are pushing forward the foreclose process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I wanted to pay extra principal towards my mortgage & I used to do it online periodically whenever I had additional money. 
Nationstar changed websites and I was told I can not do it online without also processing early my customary monthly mortgage payment with additional principal. However, they can do it over the phone and will not charge me for it. I agreed and asked for money to go towards principal. 
They took as I asked additional $ XXXX but did not apply it to principal as I agreed but distributed between escrow interest and principal. I called and they apologized and reprocessed it all to principal ( but deducted {$35.00} towards inspection without my consent ). I was told that in the future I have to modify my next auto payment online to add additional principal. 
I did modify my XX/XX/XXXX auto pay to add additional principal to my monthly mortgage. On XX/XX/XXXX, they took mortgage payment + additional principal. 
But then on the same day, they processed another mortgage as XX/XX/XXXX which is a month in advance. I called them again just to spend over 30 minutes on the phone without resolution as it got disconnected.

Company response to consumer: Closed with explanation