vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Nationwide Intermediary Services llc
State: TX

Complaint narrative:
I received a call on XXXX from an unknown number. XXXX XXXX from Nationwide Intermediaries representing XXXX XXXX XXXX called me regarding a debt. They indicated that I needed to pay XXXX from an installment loan. However the original loan was no where near this amount. They indicated that they would be filing a criminal case with XXXX XXXX hot check division for XXXX counts of check fraud which is a misdermeanor. XXXX did indicate that they could not garnish my wages in the state of texas. He said he wanted to put me in touch with XXXX XXXX who was a mitigator with the lawfirm and she could arrange a payment plan. When transferred, she advised me that I needed to make arrangements with my family members and request a loan from them to pay off the debt. If it was n't paid today, they would turn me over to XXXX XXXX hot check division, this would also appear on my credit report and I would end up having to pay the XXXX anyway. She also indicated that she would also file a judgement to garnish my wages. I indicated the previous person told me that they could n't and she said he was incorrect. 

I told them I wanted to make arrangements to pay off the debt, but that I needed to call them back. She gave me her number of XXXX. I went back to work as I was on a conference call. 

not even an hour later, XXXX XXXX called me back indicating that XXXX XXXX wanted him to check on my status. I advised I was still on a conference call and he indicated that he needed to hear from me by XXXX otherwise they would send the criminal charges. I was so scared and crying at my desk. I ca n't afford to have criminal charges filed against me. So I researched if this was legal and found the following article on your website. XXXXBasically this outlined by whole situation. BUt I 'm still concerned as I do n't want criminal charges..\I have since received XXXX calls from this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I made a payment arrangement with my loan company. There was a tow truck driver sent to repo the vehicle after that was done. I made the arranged payment and gave him the conformation. He said ok pulled his truck away from my vehicle and allowed my husband to proceed to leave with the vehicle. He then stayed in my driveway and when I went out to check he yelled that my payment was no good. When I tried to show him the confirmation he put his hand in my face and said " I am done with you '' he then ran to his truck while yelling " I am having your husband arrested for grand theft auto ''. He proceeded to contact the XXXX County Sheriff 's Department. While he walked got in his truck I contacted the finance company to confirm the payment was received. The Sheriff 's Deputy arrived and advised me that the driver had called to report that my husband endangered him by " driving the vehicle off the forks of his truck '' and claimed that there was a domestic disturbance occurring. All of which was false. After explaining the situation to the officer with the loan company, Credit Acceptance, on the phone. I was advised that they could not force me to surrender my vehicle without a court order and the driver was removed from the area.

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 2015-07-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
My XXXX XXXX XXXX is financed through Credit Acceptance where I am the cosigner as I had to get my XXXX-year-old father to sign as principal after finding out I am the principal on my son 's XXXX XXXX truck I cosigned a few years earlier. This was done without my knowledge or approval ; I mean I will cosign for my kids but NEVER the principal signee but that 's another story. Since XXXX of XXXX after being contacted by my Dad that he was forced to make XXXX payments on this account to keep it current. At the time, I had missed XXXX XXXX XXXX payment & another one was n't due until the XXXX of XXXX XXXX. Okay, thanks Dad, paid him back & set up my automatic payment again. Credit Acceptance took another payment in XXXX so it was really ahead, then XXXX in XXXX on the XXXX & then the XXXX. I called in XXXX as I 'm a XXXX & can not afford their mistakes. They blamed this on having XXXX separate accounts set up even though they both came for the same & original bank account. I received a call on XXXX XXXX, XXXX where I was told I was again a payment behind ; they did not take XX/XX/XXXX payment for some reason even though these were once again submitted in XXXX XXXX. I made arrangements for their automatic payment representative to set this up once again, even being read their disclosure authorizing this. I also made sure all my info was correct as my father 's diagnosis of familiar XXXX XXXX XXXX was confirmed & wanted to be sure they had everything accurate. I stupidly enough thought all was well until Sunday evening, XXXX XXXX, XXXX ; when the repossession man was at my door to get the XXXX in the garage. Thinking everything was just a misunderstanding, I let them take it as I was also under the impression I had no other choice ... this money was just sitting in my bank account so it was no problem getting it caught up once Credit Acceptance was opened on Monday morning but, this came with a {$330.00} loss I am told is my fault for not making sure the payments were actually drafted. I 'm thinking, XXXX more payments & they know the principal signee has XXXX XXXX who was also NEVER contacted. This seems like a scam to me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ZWICKER & ASSOCIATES
State: TN

Complaint narrative:
Zwicker and Associates dropped off paperwork to my significant other, handing him a copy of the legal filing - unsealed, unstapled, and completely visible. In doing so, they disclosed this filing to my significant other, potentially in an attempt to embarrass and pressure me. This disclosure is illegal and should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: ZWICKER & ASSOCIATES
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX violated my FTC right to charge back a debt by declining a legitimate charge-back of {$1100.00} for my XXXX/XXXX/XXXX at the XXXX XXXX XXXX. The hotel 's dirty pool failed state inspections and put my husband in the hospital with a XXXX XXXX that cost {$15000.00} ( Doc : My letter dated XXXX/XXXX/XXXX ). 

XXXX committed BAD FAITH by reducing its Over Time Repayment Services and wrongfully declining a credit card charge to my computer repair company. I closed the XXXX account and returned my charge card on XXXX/XXXX/XXXX ( Doc : My letter dated XXXX/XXXX/XXXX ). 

XXXX failed to provide a requested response to my XXXX/XXXX/XXXX letter. I wrote a CEASE AND DESIST DEMAND letter dated XXXX/XXXX/XXXX to stop the daily harassing telephone collection calls ( Doc : My letter date XXXX/XXXX/XXXX ). 

XXXX assigned the disputed {$35000.00} to Zwicker & Associates on XXXX/XXXX/XXXX. I wrote my timely XXXX/XXXX/XXXX letter to Zwicker & Associates demanding a VALIDATION OF DEBT. I never received any validation of debt from XXXX or the debt collector attorney ( Doc : My letter dated XXXX/XXXX/XXXX ). 

XXXX sued me using the debt collector firm. Zwicker & Associates PC, on XXXX/XXXX/XXXX and won a default judgment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX attempted to illegally garnish my checking account but the account was overdrawn and it failed. It was an illegal garnishment because my only income is Social Security which can not be garnished. On XXXX/XXXX/XXXX the lawsuit was dismissed due to my bankruptcy. 

XXXX and Zwicker and Associates violated the FDCPA by failing to provide the XXXX/XXXX/XXXX demanded VALIDATION OF THE DEBT. I do not owe XXXX anything because of it BAD FAITH AND ITS FDCPA LAW BREAKING.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
This is my place of business. The number being called is the main desk number that is answered by customer service representatives. Not once has my personal cell phone nor home phone be used to attempt to contact me regarding this matter. I have no idea who is calling -- they never leave a message once transferred to my direct line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Credit Bureau, Inc.
State: AL

Complaint narrative:
American Credit Bureau , Inc. did not contact consumer about this bogus debt before it was placed on my credit reports. XXXX has verified this bogus account several times. This account is paid in full.

Company response to consumer: Closed
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Recovery Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX with Recovery Partners out of XXXX XXXX the number he calls from is XXXX. Calls to speak about suspending my parents, XXXX XXXX & XXXX XXXX, XXXX Drivers License. When I tell him I am their daughter and to submit a letter to prove and validate the debt, XXXX XXXX gets arguementative and after 5 days calls again to harass my home. XXXX XXXX will not give out an address so my parents can request harassing calls to stop in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: OR

Complaint narrative:
I was contacted by XXXX XXXX, manager of underwriting for PHH mortgage company and he left a few messages on my phone. I finally called him back on XXXX XXXX, 2016. He had asked why I had not filled out the mortgage modification form from the Making Home Affordable program which would give me 3 trial payments and then an official modification. I replied that I had received nothing and that I was not actively seeking help with my mortgage, though I needed it badly. Though I make payments to my mortgage every month, I have been consistently late paying my mortgage and my account being flagged for a modification did not seem that far of a stretch. I had many late fees but never let a month go without making a full payment. I asked him a couple of test questions that only my servicer should know and he was able to answer them. We talked and I asked him some more questions to see if he really had any information on me and that he was who he said he was. When I received the paperwork from him through company email I was convinced that he may be from PHH and actually is offering a modification. The paperwork was spot on and looked like something I would receive detailing the payments and when they are due and what to expect through the modification process. Because I was already late making the 1st mod payment the only way to backdate the 1st payment to reflect on time payments was to wire the money ( XXXX ) to his HAMP manager XXXX XXXX in Indiana. He, XXXX XXXX, informed me that I do not need to make payments to PHH and that any defaults will be cured when all the payments are made and submitted as paid on time through the modification program. ( I was tricked, however not dumb enough to stop making my payments and therefore did not default on my loan ) On XXXX XXXX, I submitted the final 2 payments early through XXXX ( recipient XXXX XXXX in South Carolina ) as well, for a total of {$2400.00}. I was supposed to make 3 payments of {$1200.00}. After all payments were made I was then informed there was a {$990.00} fee that needed to be paid for admin fees. At this point I terminated the call knowing it was a scam. No HAMP manager would ask me for money to do a modification, especially AFTER the trial payments were made. They also stole mine and my wife 's social security numbers. They sounded like they were from XXXX or some XXXX country and they masked their phone numbers to appear like they were calling from my mortgage servicer. The direct line I used to contact them was XXXX, which I believe is now disconnected as of yesterday XXXX XXXX, 2016. I have all documentation and recorded all phone conversations with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: WA

Complaint narrative:
Hello, I writing regarding an unlawful foreclosure by PHH Mortgage Services in violation of my SCRA rights. 
I am a XXXX XXXX XXXX Vet. I purchased the property in XXXX XXXX in XXXX using a VA home loan and made perfect payments for 5 years in XXXX I XXXX again and while I was away PHH started a foreclosure with no attempt to stay the proceedings until I returned. When I returned in XXXX of XXXX they did not attempt to hold off and allow me to re-modify the loan. This moment in my life made a huge negative impact. I felt I could n't function in " normal society '' I was broke, and signed my self up to go back again feeling I had to go to make a large enough savings account to get my life " back on track '' and since then I have been diagnosed with a VA XXXX rating of XXXX and struggle with XXXX every day. In XXXX I went XXXX my XXXX and be able to function and hold a job. Since then I got a job at XXXX XXXX and in my training I learned more about SCRA rights and realized I was a victim by a company who knew I was XXXX, and played off my lack of knowledge of my rights. 
Please assist me in what information do I need to provide to substantiate what took place and what I can do about it. 
XXXX XXXX, XXXX XXXX. 
XXXX

Company response to consumer: Closed
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I fell behind on paying my mortgage with Nationstar Mortgage LLC and requested a modification that was approved in XXXX 2016. The terms of the modification were a new 40 year mortgage with a new balance of which {$58000.00} was deferred and non-interest bearing. My complaint is regarding the legality of this agreement. The original loan was {$160000.00} and now the new loan is {$190000.00} of which the property is not of that value. This property is in XXXX that is very crime ridden and economically XXXX. There are no formulas or itemized detail that shows how the new loan amount was determined and how the deferred amount was determined. This loan leaves me in a worse off situation that before and my understandings of modifications are to help the owner save the property but not put them in a worse off situation. This agreement has a new payoff in 40 years again worse off than I was currently at. I do not think this lender is providing options for homeowners that actually help homeowners and would like someone to review this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: AE

Complaint narrative:
PHH Mortgage has refused to process my application for Loss Mitigation in a timely matter thus allowing the home to go into an 'active foreclosure ' status. Being an XXXX Servicemember XXXX, PHH sends only correspondance via traditional mail then claims I do not reply in a timely manner. It takes 3 weeks for mail to get XXXX. I have given them my email over and over but they only refuse to speak thru official mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
My loan was transferred to PHH Mortgage Services in XXXX. My first payment was due XXXX/XXXX/17 with this new loan servicing company. I have not received ANY paperwork from this company so I went on-line the end of XXXX to sign up for Auto Payments. On XXXX/XXXX/17 I contacted PHH to get my account number ( which is required to enroll ) and was told they could not provide over the phone but would fax me my account number, even though they had no fax number on file ; I provided my fax number. It never arrived and I left town on business. Upon returning on XXXX, I again contacted them and confirmed my fax number ( correcting the associate several times with mistakes she was making when I asked her to repeat the number ) - again, no fax received with my account number ... My most recent attempt was today XXXX and I explained to the customer service person that my fax was an electronic service ( eFax ) which will provide a history that they did or did not send ; she FINALLY faxed my account number which I received before hanging up with them. I was told that the only person that could waive fees was a manager which I was told would call me back in a few minutes. This never happened. Now, with only a couple of days before payment is due, Making my payment by mail will not arrive in time and I can only subscribe to auto pay starting in XXXX so I am being forced to pay a {$7.00} fee for processing my payment. This would not have been necessary if my paperwork was handled properly. It is my strong assertion that this company puts their customers in a situation of paying fees above/beyond what payment is due as a course of doing business. At this point, I am looking for a refund of the {$7.00} service fee that I was charged. Thank you in advance for your time reviewing my issue. 
Regards, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, my wife and I paid off our car loan with Ford Motor Credit. In XXXX XXXX, we had a 30 day late payment that was documented on our credit reports. Given that the original delinquency date is the date when an account first becomes past due, this account should be scheduled to be deleted in XXXX XXXX. However, we have checked all three credit reporting agencies and there is no date reported on our credit reports as to when this collection account will be remove. We have requested action to be executed by Ford Motor Credit numerous times to correct the report and place a removal date on file but their response has always been to deny the request and not follow the rule. As recently as XXXX XXXX, XXXX, another request was turned away. At this juncture, we are seeking your intervention to assist our efforts to require Ford Motor Credit to abide by the rule of process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stallings Financial Group, Inc.
State: PA

Complaint narrative:
I was alarmed when " Late Payment '' notifications began appearing on my XXXX Credit Report in XXXX 2016. They were listed as a collection by Stallings Financial Group, on behalf of XXXX XXXX XXXX XXXX ( XXXX in the state of XXXX ). I am not their patient nor am I a resident of XXXX. I 've lived in XXXX for four years, and XXXX for two years before that. Three separate attempts to contact Stallings Financial via the email listed on their website were ignored. I contacted XXXX XXXX directly, and they expressed interest in helping me resolve the error. XXXX, a representative of their office, replied to my message, and was successful in reaching Stallings Financial. XXXX instructed me to contact " XXXX '' at Stallings Financial. When I did so, " XXXX '' directed me to contact a different number. When I attempted to reply to " XXXX '', her e-mail suddenly came back as " undeliverable ''. A subsequent attempt to contact the generic information e-mail listed on their public website regarding the disappearance of " XXXX '' returned another " undeliverable '' error message. I 've never received a " letter of validation '' for this debt, and my attempts to request one are being blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
In 2014 I signed as a co maker for my grandson XXXX XXXX to purchase a new car through Ford Motor Credit account number XXXX. At the time of the transaction my credit rating with all three credit agencies was over XXXX and as high as XXXX. It never went below XXXX until this recent event. My grandson missed a payment but as co maker I was never notified until I discovered this on XXXX when to my suprise I found my credit score had been reduced by nearly XXXX points. I have never been notified of any problem even though I was legally obligated as a co maker. Once I became aware of the issue I called Ford and immediately paid off the loan in Full with the understanding that Ford would notify all XXXX credit agencies of their error in not notifying me of the problem and instruct them to remove any negative remark from my credit report. The loan is now paid off but my credit score only increased XXXX points and has not been restored to the XXXX plus number I have always received. I was my credit score reinstituted to what it was. I have XXXX debt and over {>= $1,000,000} in assets. There is no possible justification for this low score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was a customer of XXXX since XXXX and my account became linked to Paypal credit in XXXX. I called a few time to have my APR lowered and was denied. During this time, my account was in good standing. Recently, I have been undergoing a financial hardship and reached out to all my credit card accounts and was immediately enrolled in hardship programs. Except Paypal credit, they have refused to work with me and only offered me assistance once I am 90 days past due in the meantime my account has incurred late fees and interests and they negatively reported me to the credit bureaus affecting my credit score and adversely affecting my home and auto insurance rates.

Company response to consumer: Closed with explanation