vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: OK

Complaint narrative:
I have had this loan for several years ; originally from XXXX now PHH Mortgage. I have tried to prepay my loan as is allowed per my original loan and I have been denied. I receive salary payments every 2 weeks and established a direct deposit transaction every 2 weeks coinciding with my pay. I also pay additional funds towards the principal to again pay my loan down quicker. PHH refuses to apply my payment when they receive it rather wait until the payment is full to apply to the loan. I called them an asked them why they did n't apply it to my loan, they stated that their payment system does n't allow it I can select either paying twice a month or once a month or by phone/fax. Those are our options. As of XX/XX/2014 they have now quit applying the additional principal amount that I have been paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: MS

Complaint narrative:
I got behind on my mortgage payments. PHH Mortgage said I need to send in XXXX by XXXX XXXX, 2017 or my account would be sent for for closure. I sent my payment in by XXXX and mortgage company received it and was signed off by a XXXX XXXX. Mortgage company said they never received payment and account was put into foreclosure. Mortgage company sent my money back to me on XXXX XXXX. I 'm now having to pay {$2100.00} due to attorney fees

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
I joined a 12 week weight loss program for {$700.00} in 2009. Four weeks into the program, the company closed. XXXX XXXX wrote off acct, then sold it to XXXX, who began agressive collection. I paid/settled acct XX/XX/2012. About 6 months ago, I began getting calls from phone numbers with area codes from all over the country -- -all saying I owed over {$4600.00} and if I did not agree to a settlement and pay, I would be sued, arrested and could go to jail. I threatened to report the scam. It stopped for about 2 months, and has began again. Credit Solutions found my home & email address and is sending letters and threats over the internet. This company says they are collecting for XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Business Revenue Systems, Inc.
State: IN

Complaint narrative:
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: MO

Complaint narrative:
This mortgage is the second on the property. Due to hardship we are going through a DIL on the property. Process started in XXXX. By XXXX the primary mortgage had approved the DIL but needed the second to be cleared. We had contacted the second mortgage communicating out intentions and filled out the requested paperwork in XXXX and early XXXX. The first mortgage made a settlement offer. I was given verbal confirmation that the settlement was approved near the end of XXXX. An acceptance letter was sent in XXXX. The letter was not the appropriate letter for the situation. It stated that they would take possession of the property, not release the lien, among other things. After much discussion between myself and the two mortgage companies, an appropriate letter was produced. We signed it and notarized it. The first mortgage sent a settlement check near the end of XXXX. The check was " lost '' ( it did eventually turn up 8 weeks or more later ). The first mortgage had to cancel the check and send another. This check was received XXXX XXXX and put into a suspense account. I was told the request for a release was filed around XXXX XXXX and would be completed within 30 days. The first week of XXXX it had not been completed. It had been shuffled through departments and " misplaced ''. I was told that it would be processed as soon as possible. It was sent in for recording on XXXX XXXX. The county returned it because they did not include recording fees. Initially, they were waiting for the returned documents to show up ( which to my knowledge has not happened yet ). After much insistence I was told that a new set of documents were being drafted and sent in. It is XXXX XXXX and this has not happened yet. 
Main complaints : Every step has taken to the last moment or longer to complete. 
Settlement acceptance letter was incorrect - should be standard. 
Emails and phone calls were rarely if ever returned in the " 24-48 hours '' All mailed documents/check lost I have had to follow up with every step to get anything done Recorded documents sent without payment. 
This should be a standard occurrence and every step has had issues. It feels deliberate or incompetent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
i had a major issue a few months back had to get you involved still took MONTHS to fix. That was with my escrows cashing my checks and not appplying to my account. Did anyone care were was my $ $ $ for months I have XXXX complaints the FIRST is I never received my interest statement from the the mortgage co to be able to file my income tax today is XX/XX/XXXX? I have talked to a feothw other people who have not gotten their 's either. Coldwell Banker mortgage is the holder. Also since the problem I had last year I have mailed my mortgage payment to the same address for 16 years XXXX to XXXX servicingaddress. NOW all of a sudden they have my payments for days and do not post my payments till till days later and charging me late fees. I feel my account is flagged because of my complaints to you regarding there incompetence because prior to that never a issue Then they start calling me to collect a debt!! WHAT options do I have to refinance to get rid of them will cost me thousands to not lower the monthly payment by much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
I submitted a " notice of error '' to my mortgage provider, PHH. I called their help line and they gave me the address to submit to. i received no answer and repeated the process 2 more times. i sent an email to them too. they stated in the email that i submitted to the wrong address. I explained that i had submitted a CFPB and PHH explained that the complaint would not be recognized since i sent the correspondence to the wrong address. i took there advice and resent to the address they suggested. there has been no response. i am not taking their advice and resubmitting my complaint. they have. 

Over billing me by {$2800.00} in escrow charges that have no supporting evidence Refusing to credit me for payments made to PHH in the amount of {$7600.00} Failure to respond to my inquires on these matters for over 90 days Creating a notation in your case management system on XXXX/XXXX/15 at XXXX that the homeowner was disputing the escrow amount and that research would be completed in 5 days. No action was taken. 
Creating a notation in your case management system on XXXX/XXXX/15 at XXXXthat the homeowner was disputing the escrow amount and that research would be completed in 5 days. No action was taken. 
Showing that I have a shortage of {$14000.00} when I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
My account I had with Credit Acceptance was paid in full on XXXX 2010. It is currently being reported as " charged-off '' and a " collection '' account on my XXXX credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Eagle Accounts Group, Inc.
State: IN

Complaint narrative:
My doctors office turned me over to collections in XXXX ( Eagle Accounts ). I made a payment in full upon finding out to Eagle Accounts. When visiting the doctor previous appointments I paid my copay and I was not told I even had another balance. I paid Eagle Accounts XXXX/XXXX/2016 in full and as of XXXX/XXXX/2016 they had yet to report payment or send payment to my doctors office in which I was told when trying to make an appointment that my account had been terminated due to non payment. I sent the doctors office proof of payment and I am waiting for Eagle Accounts to confirm. It has been 7 months and this has not been resolved on my credit report or doctors office.

Company response to consumer: Closed
Consumer complaint received 2016-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
My husband I obtained an auto loan through this company and kept the account current. On or about XXXX XXXX, 2016 the vehicle was involved in a fire and was deemed a total loss. At this time the auto loan had a balance of {$7300.00} My primary insurance issued a payment on or about XXXX XXXX in the amount of {$3900.00}. Gap insurance issued a payment on or about XXXX XXXX in the amount of {$2900.00}. Afterwards, I had made several attempts to set up payment arrangements that were satisfactory to XXXX parties ; unfortunately they were unable to accommodate a payment plan without issuing a derogatory mark on my credit report. When I called to today, XXXX XXXX, 2016, to pay the full balance they informed me that they reported that my payments were XXXX days past due. I stated that it has only been XXXX days since they received a payment and I believe that there is 30 days to make a payment since the last payment, so if anything I would be XXXX days past due. I paid the balance in full in an effort to minimize the impact that this account will have on my credit report.

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 2015-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Resources, Inc.
State: MA

Complaint narrative:
American Financial Resources ( AFR ) denied my FHA XXXX loan application due to the fact they " suspected '' the property being purchased " might '' be used for commercial purposes. XXXX guidelines clearly allow me to purchase a " mixed use property '' as long as the renovation funds are only used for the residential buildout, which was clearly the case from the XXXX consultant 's report. We have now lost the property due to AFR 's ineptitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I asked them to verify the debt and they sent me a printout of a paper showing the amount they are saying I owe to the credit bureaus. I asked them to provide information with my signature or something from the original creditor showing that they have the right and authority to collect on this account and they have not. They put the account on my file and then sent me a letter saying they have mad XXXX attempts to contact me. I was willing to pay the debt up until they did not provide the requested documentation and after XXXX contacted the original creditor and they informed me that no such account exists in their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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: Allied Collection Services, Inc. (Nevada)
State: VA

Complaint narrative:
We were contacted b Allied Collection Service by phone XXXX notifying us of XXXX attempt to collect an invalid debt. We asked them to send the information and the notice of the right to dispute so that we could dispute it as numerous attempts to resolve with XXXX " Customer Service '' had failed. We never received the details or the notice of right to dispute from Allied Collection Service. We called Allied Collection Service on XX/XX/XXXX to let them know the debt was resolved, even though we never received the details from Allied Collection Service or the right to dispute. On XX/XX/XXXX and XX/XX/XXXX, Allied Collection Service opened account against my credit with XXXX, XXXX, and 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 2016-04-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GUARANTEED RATE INC.
State: GA

Complaint narrative:
Guaranteed Rate Mortgage Company has blocked my request for application to remove PMI from my mortgage loan. They have also not made payment from escrow to pay for my property flood insurance. I have included a dated paper trail of my request. I emailed on XXXX requesting PMI removal from my loan due to its increased value above the 75 % LTV thresh hold. I included both a pre and post renovation and improvement appraisal showing the home was worth XXXX and is now valued at XXXX. The mortgage note was 3 % down on a purchase price of XXXX. My current note payoff is approx XXXX. My calculations put my current LTV at XXXX = 64 %. Guaranteed rate responded twice with the only option of requesting an appraisal at cost, and paying off the original note at current cost and pay them XXXX dollars. I then completed a final request on XXXX which stated that my request to remove PMI should be based on current LTV, and that I requested the 2 year seasoning waiver which is allowed per HUD rules for significant property renovation or improvement. I have heard no response from Guaranteed rate and I would like to report them for deceptive banking and blocking my request for PMI removal. 

The second issue I am having with the bank is that they have not paid my flood insurance out of my escrow account. I received a letter on XXXX from GR stating that they had no proof I had flood insurance, and that they were obtaining insurance at my cost on their behalf. THEY PAY MY INSURANCE THRU ESCROW!!!!. I contacted my insurance agent promptly and had her verify that GR was named on the policy. She has requested by fax, and phone, payment for this flood policy. It is now XXXX and they have still not made payment. This is absolutely unacceptable behavior. My insurance payments should be made promptly by my mortgage holder who is responsible for escrow payments. 

I do n't know if the XXXX issues are related, but I request that this Mortgage company be investigated for these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BB&T CORPORATION
State: NC

Complaint narrative:
This complaint is on a group providing services to the public, but also provide a special service to certain privileged individuals, which are the instigators, and the ones trying to cover up their own crimes. About XX/XX/2010, Branch Banking & Trust Company Inc. where I make monthly mortgage payments on a now alleged mortgage which, is a 5.50 % fixed rate on a XXXX year conventional mortgage. I was not delinquent on payments, neither delinquent on city/county property taxes nor homeowners insurance. A Ponzi scheme was being operated locally involving the assistant clerk, giving an illusion of legal authority, and pretending a fraud law and using and accepting others to use defeated forms with false content to mislead as a conduit to advance an agenda orchestrated by certain lawyers and others concerning privately owned real property. It appearing now, that certain fraudsters had previously unlawfully been using my property for their personal desires and fun. When the economic turn bad I believe these fraudster tried to cover up by filing false information that mirrors someone failing to pay their mortgage and other bills, a false light upon me also, artificially created a justified their Ponzi scheme. This scheme would not survive in a real court under a judge, but I was being rerouted outside the legal/normal jurisdiction by certain actors. The actors included impostors as XXXX threatening, falsely arrested me, using lower standards without the required proper documents. XXXX. certificate of incorporation " delegates authority '' for active and honorary members to " ... conduct amusement enterprises of all kinds ... exhibits shows ... theatres ... and acquire all costumes, scenery, properties ... to issue bonds ... debentures or other negotiable instruments ... secured by a mortgage ... from time to time seem advisable '' .to enter into, make, perform, and carry out contracts of every sort and kind ... foreign government ... '' I believe these fraudsters are being " hired '' through this illegal non profit corp. too fictitiously validate certain Foreclosures and it authority as a legal act performed by law enforcement. Nasty, Nasty, but no doubt great commissions. This also involves an alleged real estate agent, as XXXX XXXX I ask the XXXX of the police department to make and file charges against and others for making a false police report, impersonating a federal agent of XXXX etc., but he refuses. I also, by XXXX fax confirmation sent to XXXX to acknowledge and inform others about the difference between rules and laws including about the exposure of fraud in banks violations.

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 2015-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: CA

Complaint narrative:
I have been disputing the provided information to me regarding the amount of this account since it has been presented to me by the company. Most recently, I was contacted to be included in the FTC lawsuit against XXXX for it 's cramming discovery. I have since registered and have been validated as a customer with unauthorized charges added to my bill.

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 2016-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: TX

Complaint narrative:
I owed a debt to XXXX credit card which was turned over to ERC collections. They call me, harass me, when they hang up at my home, they call my cell and do the same. They have threatened to send me to jail then asked for my husband and threatened him. They call all types of the night after hours and even speak to my children.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC
State: IN

Complaint narrative:
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company.

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 2016-07-09 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC
State: AZ

Complaint narrative:
I had several payday loans from different companies and for the same amount of money as Big Picture. Those loans got paid off. Big Picture/Castle kept going and going. Then XXXX day they texted me that my payment was sent back from the bank. I called back to try and get this solved. They said the text said it was turned to collections. I panicked, the text did not say that. I began to feel something was wrong so I notified the XXXX and filled out a report. In the mean time, they repeatedly call be on my landline and cell phone day and night, every day. They call and then hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 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: ERC
State: CA

Complaint narrative:
I got a letter from ERC Debt collectors XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX. I called them an got through after 3 minutes. I told the representative that this is a falsified debt that I have n't had XXXX in over 10 years and it had been paid in full and that my credit was pulled by real-estate lender 's in the past two years and there was no debt from XXXX or anyone trying to collect a debt on XXXX behalf. They said please hold and they hung up got the busy signal on the phone. I called them back went through the same prompts and got the message to please wait for the next available representative. I waited for over 2 hours an never got through. I called back and same thing happened waited an waited. So I looked online an found that others have complained about this company trying to scam them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief