vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Our mortgage company Select Portfolio Servicing is horrible at helping their clients save their homes. We have been fighting with them since XX/XX/XXXX to save our home. We have tried everything from modification requests, bankruptcy, repayment plans and we have been turned down on everyone request. XX/XX/XXXX we had {$20000.00} to put towards our arrearages and SPS denied us any kind of modification. We have talked to so many different agents and got different answers to the same questions. One agent would say yes you can and the next would say it 's too late after all the paperwork was done. They need to be retrained so the left hand knows what the right hand is doing. We are now working with an HUD counseling agent who gave us this website because she agrees that we have been given the run around and with our income and the money we HAD to put towards our arrearages that we should have been given a modification plan. We would like an investigation done on their practices because we are not the only ones that have been denied or are having the same problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
My loan contract specifies that the lender/loan servicer may force place insurance for an amount no greater than the principal balance of the loan. The annual premium for the insurance should be significantly less than {$500.00} annually based on the principal balance of approximately {$110000.00} as of XXXX XXXX, XXXX and {$100000.00} as of XXXX XXXX, XXXX. Nationstar is charging me approximately {$7000.00} annually, which is equal to 7 % of the principal balance! 

When Nationstar assumed this loan ( XXXX XXXX, XXXX ) they rejected my usual payment which I make through an automatic schedule with my internet bill paying service. I was unaware that Nationstar had rejected my regular payment until I received a collection call. The caller stated that my regular payment was " insufficient '' and that Nationstar required an additional {$260.00} per month. The caller told me that my real estate taxes had apparently increased. I knew that was not true so I asked to be transferred to the Insurance Department whom I informed that I did not wish insurance beyond that required by my contract. I was not named as Insured when Nationstar assumed this loan, why it decided to make that unilateral change is a mystery ( unless there is a profit in it for Nationstar ). 

Despite two more phone calls to protest and promises that the monthly billing would be adjusted to reflect the change, Nationstar has continued to bill me for insurance that I did not request and to which I did not consent. If I do not include the additional {$260.00} per month with my regular payment, Nationstar will not post my payment. This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I issued a Check for {$7100.00} against my account, deposited in another Bank. 
Citibank returned the check as Has insufficient fund. 
This was not correct as I had some {$25000.00} in my debit card account, This money was with Citibank for more than one year. 
I asked a explanation, but nobody ( 4 different Managers ) was able to give one. 
They said that my account was blocked, but no explanation why was blocked, who had blocked, and no any information or communication about the block. 
3 day later they unblocked the account also without communication or justification. 
I asked for a letter to be sent to the bank where my check was deposited explaining that was a Error of Citibank the check return. They refused saying that was my error. How is possible If i had 3 times the quantity of the money available at my debit card account.

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 2016-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
We are asking for a loan modification from Nationstar. The information was submitted on XX/XX/2016. Upon calling ( they do not call you ) they are constantly asking for additional information, We are on our fifth transmission of request for information. Each time we call there is something new requested. Upon asking for a midigator or underwriting they can not forward the call. And when asked why this was not requested previously all they can say a different person must of looked at the file. We are now over 30 days and they are still requesting information. It appears as if they are stalling so that this goes into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I applied to reduce my interest rate on my mortgage through Nationstar Mortgage LLC they then had someone from Greenlight Loans contact me. They then asked that I sign " Borrower 's certification and authorization '' five ( 5 ) times in the year 2015. Each time I asked why did I needed to resign the new form. I got a different excuse each time by a new Loan person. I wish to have at least XXXX of the requests from my credit reports. I had excellent credit before they pulled my credit each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
My mortgage lender, Nationstar Mortgage seems to be having technical problems in accurately reporting my escrow as well ensuring that when I make a payment, whether it is collected from their website ( XXXX ) or just me sending in a electronic payment, whether it be additional principal payments or monthly mortgage payments. It takes quite a number of phone calls, emails and letters to try and clear this up. Recently, I was curious why I receive an escrow refund check and the same week a rise in escrow. When I phone Nationstar and spoke to someone they were rude and obnoxious and would not let me speak to higher level of management. I also applied for a refinance and no one has contacted me. I have sent inquiries about their privacy and authentication policies, because I believe my information is at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I was given a date of XXXX to move out. I would like to remain in the home and pay rent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Applied for a mortgage with quicken loans my credit pulled up as XXXX XXXX XXXX and got a pre approval letter then was told I had active disputes witch I definitely did not was only dispute comments from old disputes so they had me remove them and re pulled my credit once again and middle number was XXXX and their is this program out their XXXX to XXXX buy had to remove other dispute comments and they prob will have to run my credit again witch will drop my score again

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
1. I mail my payments a little early so they get there on time. Well, they are saying that I 'm not adhering to my payment agreement. For example, if the payment is due in XXXX and the payment gets there on XXXX XXXX, they say I did not make my XXXX paymeny. 
2. I talked to a representative earlier and get told me he did not see any payments. Then he changed his story at the end of the call. 
3. A supervisor told me that the only way I could avoid these issues was to set up automatic payments and was pushy to get my bank information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar continues to deny my loan mod. For 28 months our firm has tried to modify XXXX XXXX XXXX 's Loan. They refuse to supply the negative NPV form which is the reason for the most recent denial. They have also listed his primary residence as a rental which is the cause of the is last denial as the unpaid principle balance is {$1000000.00}. This balance also prevents XXXX XXXX from obtaining a HAMP/Tier XXXX loan mod. The denial letter states his income at {$640.00} less that what was provided in documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage has failed to respond to our requests and clarification of the following : 1. They are not crediting or applying the correct payment amount we made towards the principal since XXXX 2016. 
2. They created an escrow account to pay the property taxes and the home insurance without our knowledge and/or consent. 
3. They made payments for the property tax for a bill we had already paid on time, they also paid the home insurance that was not due until the end of XXXX, 2016 4. The Tax Collector office rejected the duplicate payment from Nationstar and sent the money back to them ; however, Nationstar still has an escrow balance on our account even though the Tax Collector returned the money to them We have several requests in writing as well as by phone to correct the principal balance, which is off by about {$5400.00} to no avail. We get transferred from one person to another and they promise to send an explanation letter but they never do. 
We requested to close the escrow account since we are taking care of the property tax and home insurance ; they still have the account and the balance due for something we do not owe. PLEASE HELP. 
Nationstar has refused to modified our loan twice, the current rate on our loan is 5 % which is about 1.5 % above the current rate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
I received threatening phone calls and letters plus a lawsuit was filed, when I disputed the claim to debt. They are not the original debtor and their information is wrong. They did not provide me with enough information and threatened to take action if I did n't respond within 30 days. They refuse to give me their street address when I phone them so that I can have them served. They were very rude on the phone and would not provide information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Had a loan mod approved by XXXX XXXX XXXX sent in first payment then no other paperwork came call them they said they sold loan to nationstar, called nationstar they would not honor loan mod said we had to start all over with them. sent everything to them heard nothing called said paperwork missing. sent all again and again they said paperwork missing. my point of contact changed every month so im just going in circles.sale date XXXX/XXXX/15. ive been railroded out of my house. surely this is illigal

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: MS

Complaint narrative:
My Mother had a reverse mortgage with Champion Mortgage. I have always had difficulties getting any response or cooperation with any person in a management position in this company. After her death the heirs followed all the procedures as instructed by Champion Mortgage. We sold the house and was charged a XXXX attorney fee because they said the house was in foreclosure never were we informed that it was at anytime in foreclosure. 
In XXXX we received a mortgage refund made payable to XXXX XXXX XXXX Estate. I notified them that there was no Estate. I was told to return the check along with signed statements from each of the Legal Heirs stating that they were giving permission for the refund check be made payable to me, XXXX XXXX. 
I returned the check along with the required statements via the United States Postal Service. These documents were sent certified mail with a return receipt. I have received my copy of the return receipt that was signed on XXXX XXXX 2015. The Representatives at Champion Mortgage are saying now that they received the check and documents but can not find them. Phone conversations about this matter are now resulting in more lies, broken promises and unreturned phone calls. I still have been unable to speak to a supervisor or any XXXX in a management position. We need this matter resolved asap and the refund due to the legal heirs sent to them. Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Nationstar Mortgage approved me for a standard modification in XXXX XXXX, with payments ( {$1600.00} ) in my Trial Period Plan due in XXXX, XXXX, XXXX, and XXXX XXXX. I paid {$1600.00} on XXXX XXXX, XXXX XXXX, and XXXX XXXX. Nationstar 's web site showed my XXXX and XXXX payments had been received. When I logged in last night to make sure XXXX 's payment had been received and correctly applied, I was shocked to see that my modification had been terminated. The explanation given was that I had not made my first payment in the Trial Period Plan or that I had requested the modification be terminated -- neither of which is true. The web page showing I had made XXXX 's and XXXX 's payments is now gone. Instead, I have a payment history showing payments I never paid, a payment reversal ( which never happened ), and a payment for more than the {$1600.00} I actually paid. 
Neither representative I spoke to today was helpful. I 'm faxing a letter and documents to Nationstar 's Research Department, but I 've dealt with the same Research Department in the past for a Qualified Written Request, which they did not fully respond to and also took far longer to respond than RESPA allows. I really need this modification and am concerned they will get around to my fax eventually but not in time to reverse the termination. I have only XXXX left in my Trial Period Plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Rauch-Milliken International, Inc.
State: MA

Complaint narrative:
The initial phone call was bullying. This woman XXXX XXXX was just bullying which defies logic. She would not even let me talk. i hung up because it was so unprofessional. The entire conversation was threatening. i was n't even disputing the debt. She billed me for the wrong amount ( see attached letters faxed to me just to embarrass me ) and proceeded to call every day leaving messages that obviously told other employees my business. She then proceeds to fax threating letters to another business.i have been sent via fax, intentinally trying to embarrass me. Today XX/XX/XXXX they had another rep. call me. I explained to him my experience he apologizes and then escalates the conversation into an unnecessary bullying match. i finally said what is wrong with all of you. i sent a payment to the company i confirmed it on the XXXX. Then the fax another threating letter after confirming and then called me again today. He gets angry because I told him i will not send payments to them. I will send directly to the client. He goes ballistic and said I will put this on your credit report and report you as combative and refuse to pay. This is harrassment. i have XXXX different letters with XXXX different amounts. NONE ARE CORRECT!! THESE PEOPLE ARE BULLIES. WHY WOULD YOU BULLY SOMEONE WHO IS PAYING AND NOT DISPUTING THE DEBT?

Company response to consumer: Closed
Consumer complaint received 2016-01-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
The number XXXX continually calls me, my parents, and my work asking for me. I do not owe the amount of debt they say I do and call multiple times per day. A " XXXX XXXX '' is the caller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17 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: Bilateral Credit Corp, LLC
State: TX

Complaint narrative:
The debt collection company Bilateral Credit is attempting to collect a debt that I do not owe. I have documentation clearing showing that the debt was paid in full in XX/XX/XXXX directly to the original creditor. However, the company continues to harass me by calling me at work multiple times per week. They did not respond to my letter showing that the debt was paid-in-full. Instead, they have continued trying to collect the debt more than one month after I provided this documentation. 

I have attached to this complaint my correspondence with bilateral credit and their correspondence to me. This also includes the documentation that shows the check I mailed to the original creditor with the letter attached. As stated in my payment letter, by depositing the check, XXXX acknowledged that this debt was paid-in-full. 

Bilateral Credit has now filed a negative account status on my credit report with XXXX. As this is a dispute between an employer and employee, this should never have been reported on my credit report as delinquent consumer debt account. There was never any debt agreement in place with my former employer, so I fail to understand how this can be reported as consumer debt. Nor did I ever enter into a debt agreement with this employer. This is clearly harassment, and Bilateral Credit is violating the Fair Credit Reporting Act by submitting this improperly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25 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 Management Control, Inc.
State: CA

Complaint narrative:
I filed a complaint with the XXXX about XXXX, formerly XXXX XXXX. This is a gas procurement service that is billed through my utility XXXX XXXX XXXX. It is impossible that there is any debt, and I feel that they sent me to collections as retribution for filing a XXXX complaint against them. My account with XXXX XXXX XXXX is current and paid. However, I received a collections notice that looks legitimate. I also received a phone call from a different collections company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ORG GC GP BUYER, LLC
State: WY

Complaint narrative:
I was in a repayment agreement with GC Services for XXXX. After my tax refund was offset I learned not all of my loans were included as I was led to believe. I have since consolidated through XXXX XXXX. GC Services/XXXX was notified on XXXX/XXXX/16. Also in XXXX, XXXX, on XXXX/XXXX/16 and XXXX/XXXX/16 GC Services/XXXX was specifically told not to call me at my place of employment. They are able to call my cell phone, which they do, although they do not leave a message, they only try to call and then call my employer immediately thereafter. My consolidation loan is complete, and they are no longer able to collect for that debt. They have been told 4 times I am not allowed to be called at work, and they continue to do so, despite the fact that it jeopardizes my employment - and therefore my ability to pay back any of my student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ORG GC GP BUYER, LLC
State: SC

Complaint narrative:
I have asked repeatedly for proof of payment history and GC Services Limited Partnership is refusing to provide documentation. Documentation is being required by another lender. Without proof, GC Services Limited Partnership is pushing my family into financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
GC services has been harrasing me for years. My sons student loan should have been dischargesdischarged in 2007 when he passed away. They call me repeatedly on my cell phone after asking them to stop calling, now they are calling my employer. 
They are rude and upsetting to me because the lady keeps saying she does n't care my son died.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Worth Finance Corporation
State: TX

Complaint narrative:
Worth finance is in violation of federal and state laws of consumer credit reporting. This account is reflecting open on my credit. It is to my understanding that loans are charged off at 120 days. I disputed this account and it came back as reported accurate, it is impossible for an original creditor to report an account charged off and open at the same time. This inaccurate credit reporting is affecting my civil rights to an accurate credit report and is tarnishing the accuracy of my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation