vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
Purchased home XXXX 2013 using XXXX, Coldwell Banker Mortgage and Coldwell Banker Title Co. One year later find out that they did my tax escrow at {$2400.00} when in fact my property tax are {$5500.00} per yr. I was told that for the next year my payment would go up {$400.00} per month and that for the next 28 years my payment would go up {$200.00} per month, a {$66000.00} mistake made by Coldwell Banker that I suffer for. I contacted Coldwell Banker to try to refi at the present interest rate which would of made my mortgage payment using the correct tax amount, with in {$20.00} of my true payment. They would not refi but told me to contact there mortgage modification. The modification dept. said they could not talk to me until I was 90days pass due. I stopped making payments and then contacted them again with no results. They would not redo my loan but could work my pass payments into a repayment plan along with my new tax problem. My payment then for the next 9 months would go up {$1000.00} per month. This company has destroyed my life, I now have bad credit, losing my home and for the XXXX time in my life have to file for bankruptcy. I am a XXXX XXXX XXXX Veteran and over the last year had problems and am at XXXX. The pressure of this problem with the mortgage company and all the problems it has caused in my life has not been good for my mental health. They have destroyed my life that I was at last putting together and moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
this complaint is with Coldwell banker mortgage servicing. My issue is in XXXX I made my mortgage payment along with the escrow shortage I used the coupon they sent me. They applied it to my principal so when I made XXXX payment I started getting calls attempt to collect a debt!! XXXX XXXX they filed a work order to fix it. Now I come to find my XXXX and XXXX payments have been cashed not applied to my loan but they cashed my checks!!! Where exactly is my MONEY in a interest bearing account???! I have also received paper work a week ago for early intervention assistance because my loan is in default! You get absolutely no place with these customer service people, you speak XXXX, I have turned them into the office of the president and this matter has still not be resolved. What is my recourse here this a RESPA violation under # XXXX there should be some restitution involved here! On top if they have ruined my credit. This is just absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
Dispute is with LendingTree, an agency who claims to provide you with options to " save '' on your current auto loan. I am very disappointed with the service! Numerous ( separate ) inquiries by their partners were done after accepting their offer to " save ''. I called the different companies who inquired on my credit and was told that the authorization to pull credit was submitted by Lendingtree. I did not authorize for separate inquiries to be done! I called Lendingtree and was expecting for them to be " apologetic '', instead the representative showed no apathy. She mentioned that the disclosure to run numerous inquiries was on the request. I checked the application and the disclosure was very subtle, thus very deceiving. After all this commotion, I did not receive an offer that would actually save me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: ID

Complaint narrative:
Approximately XXXX, 2015 paperwork was filed with NationStar Mortgage for a loan modification. NationStar informed the modification was not received so the paperwork was sent again. Again it was apparently not received. 
XXXX of 2015 I XXXX XXXX of XXXX XXXX was hired to sell the property prior to Foreclosure Auction. XXXX investors discussed an offer of {$100000.00}. An offer was then submitted and accepted for {$110000.00}. According to the original payoff information provided by NationStar that would cover the XXXX & XXXX mortgage. XXXX XXXX, 2015, current payoff information was obtained by XXXX XXXX as closing on the sale was set for XXXX XXXX, 2015. At this time it was discovered that there was not enough funds to cover the sale. A short sale process was initiated. Information was sent to NationStar a XXXX time and also uploaded through the " XXXX XXXX ''. This was approximately XXXX XXXX, 2015. 
XXXX XXXX, 2015 Notice was given through XXXX that the short sale request on the first mortgage was denied and to continue working on the XXXX mortgage short sale. This has been an ongoing process. 
Property is set for Foreclosure Auction XXXX XXXX, 2015 and NationStar is neglecting to proceed in completing the short sale request to complete the sale and remove the auction Status. This is email sent today by XXXX XXXX to Asset Manager, Supervisor and " ManagerNSProcessing '' through XXXX. " My client and I would like to know who to file a complaint with regarding these loans and the status. XXXX XXXX has sent in paperwork twice for a loan modification which NationStar told her were not in the system. XXXX XXXX I began the process of short sale on the property and we have been in constant communication since. XXXX XXXX is our XXXX XXXX, he is who I have been working with. Last week I asked about progress on the loan, XXXX XXXX stated he would send a request for the XXXX, it was not on file yet. I just got of the phone with Rep who says request was sent yesterday! My client spoke to someone this morning referring her to a XXXX XXXX and was informed we are handling the process incorrectly and I should have spoken to a manager and provided XXXX and much more. All of this has been provided through XXXX and much more. Foreclosure auction is set for XXXX XXXX for at {$75000.00}, we have an offer and buyers waiting to complete sale at {$110000.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: MN

Complaint narrative:
I have had nothing but problems with PHH Mortgage company for the last threeeyearsand my stories could go on but let me explain whats currently happening, a few months ago in XX/XX/XXXX I decided to go through a new home insurance company which cut what I was paying for insurance in half, so in XX/XX/XXXX I called PHH advised them I needed them to do a reanalsys so that my mortgage payment that month was n't as high as if I was still with the old insurance company, Both my agent and I faxed in multiple copies of my decloration page and also had a four way call with do represenatives and my agent and I on the phone confirming they had my new insurance information. They informed me after the re analsys that i will be receiveing an overage check for about XXXX because by escrow had an overage which makes sense because it was time for renewal. well i received the check, used the money and now in XX/XX/XXXX i receive a letter saying my escrow is short XXXX $ how its that possible? so i call phh and they say the overage check they cut me i was suppose to pay my insurance, well i have never paid my insurance out of pocket, its part of my escrow. they said they letter attached to the check they sent me explain its, well they are wrong the letter says nothing of the sort and i was never informed. i have the documentation that there were funds left in my escrow they are also saying they paid my insurance because i never provided my insurance information which is untrue as well. now since Friday XXXX/XXXX/15 i was waiting on a XXXX-XXXX supervisor return call, and still have not received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an email for my BBVA Compass XXXX XXXX/XXXX/XXXX stating " Spend {$500.00} or {$1000.00} in qualifying online purchases and make XXXX Real-time Rewards Redemption through BBVA Wallet and receive XXXX or XXXX bonus points ( enough for {$25.00} or {$50.00} account credit ). This offer is only valid for online purchases with XXXX BBVA Wallet Real-time Rewards Redemption between XXXX XXXX and XXXX XXXX, XXXX. '' I made {$1000.00} of purchases during this time and never got the reward. In XXXX XXXX, I started getting in contact with customer service. After being bounced around several times, being told that I would get a call back and never would, and having to re-explain the issue to multiple reps, I finally got an answer. Unfortunately, I was told that I would not be receiving the bonus because I purchased " gift cards ''. Besides the fact that I did not purchase gift cards, nowhere in the email does the word " gift '' even appear, meaning that this kind of purchase was not excluded. As a result of this decision, I have lost XXXX rewards points which are worth {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Nationwide Intermediary Services llc
State: CA

Complaint narrative:
A representative from " Nationwide Intermiediary Services LLC '' called me at my place of employment when I was not there and spoke to XXXX of my co-workers telling her I was being sued and there is a case with the Superior Court and gave her case numbers and detailed information about this issue. 
I called her back the same day and she told me I was being sued and that the Superior Court was involved and had a case against me. She went on to tell me I could resolve the issue by paying this debt today. I took her info and told her I would need to call her back. 
My wife and I both spoke with her about an hour later on speaker phone and she repeated most of what she had told me in my previous conversation with her but also went on to say that I could do " jail time '' due to check fraud and a list of other reasons. She also stated we had to resolve it today and that it was the deadline and that they already had a case against me and they would win, that we were targets because of our income. 
We chose to make a payment ( we were scared ) but are concerned after reading online about the company she says she is representing in this matter, She stated that " XXXX XXXX XXXX '' is who she is representing but then there is also another company involved called XXXX XXXX XXXX. WHO ARE WE PAYING and why? 
We have been completely strong-armed into paying this huge amount of money solely out of fear because of the threats and the personal ( and false ) information communicated at my place of employment. We don ' know where to turn for help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Im still trying to figure out the fees charged by this company and how my payments are applied. I was on a payment arrangement to make payment for a pass due amount. an amount that the company was saying was 4 months past due even though I make a payment every month. My car was repossesed even though I had arrangement to make payment. I was quoted an amount that was due to get vehicle back and a total due with repo fees. Once I paid the amount to get vehicle back I was told another amount. They said that they added a " Key Fee '', for a key that I did not receive when I picked up vehicle. I was also told that I had 30 days from the day XXXX picked vehicle up to make a payment, but the scheduled payments, which included the key fee, for today, but told me that I could call back and change to later if needed. I called today and was told no changes and that my vehicle would be repossesed again.

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 2016-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
A debt collection consolidation company I contracted with back in XXXX last year must have asked for proof of debt from XXXX XXXX 's debt collection agency, Zwicker & Associates, on or around XXXX/XXXX/XXXX. The company I contracted with, XXXX, XXXX, never told me they were requesting this information so I was surprised when the XXXX & XXXX lb. package arrived at my door opened, contents spilling out. I believe Zwicker & Associates deliberately sent the information to my home instead of XXXX to deliberately cause me financial harm and compromise my personal information. I have know way of knowing how many eyes had access to my credit history going back to XXXX. I will upload pictures of the packaging as received at my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Fedloan Help
State: TX

Complaint narrative:
In XXXX XXXX I signed up with FedLoan Help as part of the student loan forgiveness program. Each month they withdraw {$310.00} from my bank account. In buying a house I discovered none of the money has been reported and my Loan Servicer is still showing XXXX with my loan in deferment until XXXX XXXX. I can not reach anyone with FedLoan Help to receive documents or talk to anyone about my account. I get a message service that says they will pass on the message and someone will call me back. I called about 3 weeks ago and no one has called. I called 2 times today and still no returned phone call. I spoke with XXXX and they stated my accounts are still with them. I spoke with the XXXX and they show XXXX as my loan servicer. On my bank account there were ACH checks to show the money was with drawn and now there is an electronic Id to show money is being withdrawn.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I found through XXXX XXXX that there was a collections posted in my name on XX/XX/2016 by Professional Debt Mediation. I was never notified in any form of anything that was sent to collections and therefore was never given the opportunity to dispute. It is also a false claim from an apartment I was renting. I have been out of it for nearly 2 years now, and when I left we were in agreement that everything was taken care of. That is after I had to prove with receipts ( that they should have ) that I fixed the things they were claiming were dirty or damaged with no proof. Now my credit score has been damaged in the middle of buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TRINITY HOPE ASSOCIATES
State: NC

Complaint narrative:
NOTE : In the column 'Which of these best describes your issue? ", The 'legal action ' choice selected does n't apply here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX I contacted this company on XXXX XXXX 2015 to request that they cease deducting monthly payments from a friend XXXX 's checking account. They sent a letter reflecting such. Well, they processed a payment on her account XX/XX/XXXX despite my request ... plus they cashed the check I sent them for {$100.00}. Resulting in an overpayment. They 've made up all sorts of excuses, some of which I have documented as to why they have n't refunded me even though they clearly acknowledge that they owe the money. Even contacted the XXXX. 

Numerous calls have been made to them over the period of 90 days and each time I call, I get a different reason as to why the check was n't mailed out. Even went as far as trying to meet them in person to pick it up ... got the excuse that the check had to be signed off first ... after sitting on XXXX 's desk for two week prior to that. The information on XXXX 's desk not being processed yet part was the previous excuse made. Spoke with a XXXX XXXX ( XXXX? ) both times on that. 

In a nutshell, this company collected more than what was owed on the account and pocketed the check I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Around XXXX XXXX, XXXX i purchased a XXXX XXXX XXXX for the advertised price of roughly XXXX XXXX. i was told That Credit acceptance can not authorize me to purchase a vehicle higher than that price, and that after 1 years of on-time payments i can refinance and purchase a different car. When i contacted Credit Acceptance to refinance, they told me there is nothing they can do. Due to Credit Acceptance High interest Rate ( I currently Pay 23.99 % APR ) No one will refinance at {$16000.00} loan for a car that is only worth roughly {$6000.00}. by time the care is paid off i will have paid over {$30000.00} for a car when credit acceptance and its representing dealer told me they can not finance me for anything over {$14000.00}. I believe that not only my down payment for the vehicle was misrepresented in the final quote, but also that Credit Acceptance knowingly Provided me with false information so that they can illegally charge me an outrages APR. Currently whenever i make a payment i am not given a receipt for the remaining balance and i also noticed that out of my payment of XXXX every month only XXXX of it is applied to the principle value of the car. Credit acceptance needs to be investigated for deceptive practices as well as false advertisement. If an individual can only be approved for {$14000.00} car how do they end up paying over {$30000.00} in the end?.

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 2016-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Turning Point Solutions LLC
State: CA

Complaint narrative:
Phone call on home landline phone from Advance Capital Solutions claiming to be a debt collector and alleging that I have an outstanding debt from 2011 to XXXX in the amount of approximately {$160.00}. Wanted me to pay it immediately by credit card or send check. I told them the debt was not mine and requested a copy of the XXXX membership contract with my name. They kept insisting it was my debt and I needed to pay it. I said when I receive information then I will probably file a police report of identity theft if it truly shows my name and address, etc. I gave them my address to mail to. They said they would, however since then I have found by using their phone number on the internet that they are either a scam collection agency or a real agency with fraudulent practices. Phone number was XXXX Ext 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 non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Management Control, Inc.
State: DC

Complaint narrative:
Credit Management Control, XXXX XXXX XXXX, XXXX, WI XXXX attempted to collect a charge for a missed medical appointment that I proved to the collection agency that I called the doctor 's office 2 days prior to the appointment to cancel. The clerk at the doctor 's office clearly did not cancel the appointment on their calendar. Credit Management Control communicated with me and stated that they would no longer attempt to collect the debt. However, they continue to refuse to remove the collection account from my credit report. I filed a dispute with the credit bureau but Credit Management Control now claims that they verified the debt. I am requesting that this collection account be removed from all XXXX credit reporting agencies because this is a fraudulent collection account as I do not owe the funds. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
I 'm a single woman previously married. Spent three months attempting to locate a suitable home before the market pulled further away from me in higher asking price.. Finding a lender who understands FHA guidelines turns out to be an unachievable challenge. Now getting through underwriting is a life of pure XXXX. This is caused directly by the mortgage broker loan officers lack of experience, receiving documentation, saying they will review it then no follow up. I have had documentation sent to them via email three and four times before they have acknowledged receipt. The common sense approach that no file should be submitted to underwriting with a question that has n't been answered was not used. The loan officer and underwriter has asked for documentation that violates my ex-husbands right to privacy and has nothing to do with my loan approval. Because of this unprofessional process by both the mortgage broker and underwriter our interest rate commitment has now expired and the seller is faced with major problems because of legal circumstances. The processor would make contact and request information that as already communicated to the loan officer or was already provided, I guess they did n't feel the left hand should know what the right hand is doing or should be aware of.. I find it hard to believe that with XXXX of the largest investments a person makes is in their home and the inept person we have to depend on has no continuing educational requirements, and no state examination that is required. Please correct me if I 'm incorrect.

Company response to consumer: Closed with explanation