vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-11 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: Titan Receivables, Inc.
State: AR

Complaint narrative:
My Husband and I had a friend who was in jail we hired a bail bonds co to have him released. The bond was an un secured bond so we did not need to put up any collareteral. We paid the bond co {$1500.00} cash. If our friend fled the court system and did not appear as told to we would be liable for up to {$5000.00} more. Our friend was released from jail on OR before the bondsman ever got there. They kept the {$1500.00} cash and said it was our obligation to finish paying the the remainder of the unsecured bail loan. We told them they were fraudulent and we would see them in court. Time went on my friend was found NOT GUILTY and we forgot all about and wrote the {$1500.00} off. Every 2 years a new collection agency sends me a bill with a larger amount stating I owe them. I dispute their claims in the 30 day time frame and as of now XXXX 2016the collection agency has placed it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I attempted to refinance with Quicken Loans, after 4 months my application seem to be stalled somewhere within the company. 

After a lot of fighting, I am presented with a redisclosure packet that has terms that are not even remotely close to the terms originally offered - points added, lender credits removed, closing costs not paid by lender - despite having perfect XXXX credit, more than 60 % equity in my home, and {$250000.00} in annual income backing a $ XXXX loan. 

I believe they are in violation of 12 CFR 202.9 of the ECOA, due to not notifying me of an adverse action for 30 days, along with various portions of TRID, due to removing lender credits without giving a specific reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
My home will be taken away come XXXX XXXX 2015 by XXXX. I have n't tried to save it for I lost hope! I have not replied to the banks for which I did n't care anymore. The home I reside in has been a family home which was left to me and I worked on it to make a better place until 3 years ago when family was complaining how I inherited the home and they got nothing. They disowned me as a family member, which was hard for me because family was everything to me!! I was trying to move on then the following year my house had been broken into several time for the past year. Found out it was a family member and his friends who were on drugs and stole to supply their habit. Last time he did it parents told me to turn him in as I did and he was sent away and has recovered but how difficult it was me to be the XXXX to do it. I was so low in life that I was hating my home more than ever. Then last year I was waking up from the dark and ready to get help for my home. As I was set to start I had lost my job. I did walk straight into a new job however it was just minimum wage. I love my new job and I 'm a hard worker, my boss will give me a great review if this were to go any further. I had a raise and have great opportunity for commission as well. I have belief that I can do this now if I could be given this chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc.
State: KY

Complaint narrative:
AR Resources has called my business cell phone several times asking for XXXX XXXX. I have told them on a couple of different occassions that this is no longer his phone and continue to receive calls. I know this is a debt collection violation and would like file a claim on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: McCarthy, Burgess & Wolff, Inc.
State: MO

Complaint narrative:
I bought some pens and when I paid my check bounced. I have asked repeatedly for the original check back ( my bank does not have it ) as I do not want to pay again and have the first check deposited again. These requests have been in writing. The pen company sent my bill to McCarthy , Burgess & Wolff , Inc. Ref # : XXXX. I sent them the attached email telling them not to call me. They just called from a blocked number. I told them I sent them a notice to not call me and she said she did not get it. It was received and they replied to the email, I have attached both. I offered to return the unused portion of the pens for a full refund which I will be happy to do.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
Quicken Loans DISCRIMINATION against XXXX XXXX Veterans continues ... 
XXXX XXXX Bank Mortgage was transferred to Quicken Loans in XXXX ; Since then, Quicken has failed to comply with Regulatory Laws. I Filed several complaints with Quicken who failed to resolve or ignored problems. 
1. XXXX, received Check ( XXXX ) for {$120.00} after XXXX merger that 's worthless. 
2. Denied Refinance 30 yr ARM to 15 yr Fixed Mortgage since XX/XX/XXXX-present. Quicken Mortgage Manager informed me to refinance with other Mortgage companies after Quicken DENIED the Refinance of loan because it was n't within the best INTEREST ( % ) of Quicken. 
3. Denied access to 'My Quicken ' account online website for Tax statements, Paperless documents, or resolving the on-going problem since XXXX and current problem since XXXX. Quicken DENIES access to MY QUICKEN Account to STOP ME from submitting messages ; to clarify, If I ca n't access the account then I ca n't complain about the Bad Service or DISCRIMINATION. 
4. Quicken last email message was on XXXX XXXX XXXX ; response to refinancing that Quicken DENIED without explanation ... DISCRIMINATION. 
5. called Customer Service who CA N'T find my file and REFUSES to resolve problem. 
#. Quicken ADMITS to DISCRIMINATION against XXXX VETERAN ... Denies Discrimination, then continues items XXXX. Quicken Corporate REFUSES to resolve the issues, instead they mail a useless response document ( XXXX ) filled with legal jargon that fails to resolve the problems. 
XXXX XXXX Veteran with an XXXX XXXX Surname ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I am being charged extra escrow to pay county taxes, I do not pay county taxes, I am a XXXX veteran. My mortgage was sold by XXXX XXXX XXXX to Nationstar. Never had a problem with XXXX XXXX XXXX and within XXXX month problems with Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
NATIONSTAR MORTGAGE LOAN NO. XXXX IS REPORTING TO CREDIT BUREAUS AS FORECLOSURE AND JUDGEMENT AS OF XX/XX/2014, THIS LOAN WAS TRANSFERRED, THIS FALSE REPORTING ISIN VIOLATION OF DODD-FRACK ACT, FDCPA, F.C.R.A RESPA ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
My mortgage was purchased by Nationstar Mortgage, XXXX, XXXX. shortly after I lost my job and was unemployed for 7 months without an income, I missed a payment and had to make my payment on the XXXX instead of the XXXX of the month as that is when my wife was paid. I gave Nationstar this information, however they did not care or work with me at all and continued to charge me excessive fees, interest etc. I now make my payments on the 1st of the month and am re-employed, I now also pay escrow on my mortgage as this was mandated by the company because I was behind, even thought I always paid my insurance and taxes, they changed my payment without my knowledge to a larger amount, they said they notified me, however I received no such notice, now according to them I am even further behind, I have been making payments of {$940.00} the XXXX of each monthly, but my principle balance never goes down and every penny goes to escrow, charges fees, interest, inspections, etc. I paid {$1200.00} on the XXXX of XXXX 2016 and {$1000.00} went to the to fees and charges. In the past I applied for a Homes loan re-modification offered by Nationstar after providing them a wealth of information they required, they denied my request, I have spoken to many of their representatives, which are all from some foreign country, I get absolutely no help or resolution of any kind. They continue to send individuals to my home to take pictures of my house, even though I make a {$940.00} payment each month. I get constant collection calls, and threatening letters. I have investigated Nationstar on the XXXX. XXXX and they have over XXXX complaints related to the same issues I am writing about. At this point I feel that Nationstar iis a very dishonest company, they have no intention of helping in anyway, in just 6 months I have paid over {$4500.00} in interest and fees with less than {$300.00} actually going toward the loan. To me this a predatory company stealing money from myself and it 's customers. I want to know how this company is allowed to continue these practices, I want a resolution to this problem immediately from Nationstar Mortgage, and I fully intend to file a complaint with the XXXX, as well as with the XXXX of the State of XXXX, I want Nationstar Mortgage to know I am not leaving my house and as long as I make a timely payment each month they can not make me leave my house, I am going to do everything legally possible to stop these unethical practices!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Please see attached CFPB complaint and email correspondence pdf noticing all the main contacts of the parties I have been sending my ongoing requests for documentation to. 

[ CIVIL CODE SECTION 2332. As against a principal, both principal and agent are deemed to have notice of whatever either has notice of, and ought, in good faith and the exercise of ordinary care and diligence, to communicate to the other. ( XXXX : XXXX ) ] I spoke with XXXX and his supervisor XXXX XXXX XXXX at the CFPB to ask specifically why no action had been taken on my complaint # XXXX that was directed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . They said that this company is not " registered '' with the CFPB so they ca n't forward the complaint and that they do n't handle complaints related to this matter! 

XXXX also told me they submitted my complaint on XXXX XXXX, 2015, to the FTC 's Consumer Sentinal Network developed for civil and criminal enforcement and gave me the FTC number to follow up. ( XXXX ) XXXX. 

When I called the FTC, the phone prompts referred me back to the CFPB for my mortgage related complaint. I pushed through the FTC phone tree and spoke with XXXX who said they do n't handle mortgage complaints and that is the CFPB 's role. I told her that the CFPB had sent my complaint to the FTC but when she checked the database, nothing came up. 

I called the CFPB again and spoke with XXXX ( # XXXX ) and updated her on my talk with the FTC and asked her who I could speak with about getting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX registered because they are one of the entities I wanted to report. This debt collector law firm is in violation under the FDCPA, and has been trying to steal my home for the last year with apparent authorization from Nationstar Mortgage, who is a debt collector as well! 

I am now re-submitting this complaint to Nationstar Mortgage, XXXX, XXXX and XXXX XXXX XXXX and look forward to straight answers and a collaboration that will save us all time, make everyone accountable and with administrative remedy, avoid the court system at all costs. We all need undeniable proof of who is entitled to enforce the alleged note and who exactly the obligation is due, if anyone. 

On Wednesday, XXXX XXXX, 2015 there is another illegal auction scheduled for my home via XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX supposedly on behalf of Nationstar Mortgage on behalf of an alleged trust held by XXXX that was never funded on time and remains empty. 

You must cancel this illegal auction now and produce the documents requested! You have all been noticed, again!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
My mortgage company " found '' {$4200.00} dollars when auditing my account. When I read the letter I called them to have the money cover my XX/XX/XXXX and XX/XX/XXXX payments and the balance would partially cover XX/XX/XXXX to which they put me on hold then came back and said that it 's done. I then received a call 3 weeks later from Nationstar Mortgage out of XXXX asking me if I intended on making my XX/XX/XXXX payment. I went crazy on the agent and demanded to speak to a supervisor. After waiting for a while the agent came on the phone and I said for the supervisor to call me. That was a week ago ... This is the second time I 've made a deal with the company and when I hang up the phone the deal disappears. I 've paid off other debts and ca n't pay the mortgage payments now that I 've made other arrangements so now I 'm worried about them foreclosing on me or putting non payments on my credit report thru no fault of my own. I ca n't believe that they can do this to consumers and would like help in straightening them out! 
Best, XXXX XXXXlNationstar mortgage account number # XXXX

Company response to consumer: Closed
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
Our account had been sold to Select Portfolio Servicing, and after a single thirty day late payment. They have begun an aggressive and at times abusive campaign to seize our property. They have been offering us {$10000.00} to vacate our property. We have been receiving written harassing correspondence on a daily basis, as well as constant daily phone calls. Our original mortgage was a conventional fixed, and now they are claiming that it will be Adjusted every 5 years. This was not what we had signed up for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
My loan was sold and the new loan holders terms/conditions on the flood policies are different than my original loan holder. This is costing me more money. I did not agree to the new terms/conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I mailed a letter my mortgage lender, Nationstar Mortgage, requesting removal of PMI ( mortgage insurance ) cancellation as my home has reached below 80 % loan to value ratio. On XX/XX/XXXX, I received a letter from Nationstar XXXX that my correspondence was received and would be responded to in " less than ten days '' ... " no later than XX/XX/XXXX ''. On XXXX XXXX, I received a letter postmarked XXXX XXXX but dated XX/XX/XXXX stating on XXXX XXXX, XXXX they " submitted a request to our Private Mortgage Insurance ( PMI ) Department for MI removal ... dedicision which can take up to seven ( 7 ) to ten ( 10 ) business days. '' As of today, XXXX XXXX, XXXX, I have not received this letter. I have left several voicemail messages for Nationstar at the numbers they provide on the letters and have received no call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
payment sent out on XXXX XXXX, 2015 not credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
Please see complaint # XXXX. As of today, XX/XX/XXXX, this issue has still not been resolved. The lien has still not been released. The mortgage company responded XX/XX/XXXX that the issue would be resolved in 15 days. Please assist me in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My loan reverted to the original predatory note from XXXX XXXX XXXX XXXX. I have asked via my rights under respa to understand for 90 days with no response : 1. Why my payment is going from XXXX to XXXX with no notice and why I was told my mortgage would adjust to XXXX ( in writing ) and then it went to XXXX. 
2. Detailed Itemized Summary of payments and fees that have caused my loan to go from XXXX to XXXX in principle. I am told no history exists and they can not provide the exact details of what fees were charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I have submitted multiple requests to cancel my PMI insurance over many months and have received multiple responses from " we never received it '', " You still have more paperwork to send '', " you need to resubmit '', " We have no record of this request ''. They still have not cancelled my PMI even though it has been eligible to cancel for many months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XXXXUpdate to Complaint XXXX regarding Nationstar Mortgage ; I was paid on the afternoon of Friday, XXXX XXXX. I logged into XXXX to pay my mortgage principle, interest, actual escrow, and late fee. Nationstar 's online system would not allow me to pay ANY AMOUNT except the total amount they deem owed - i.e. the additional $ 400+ they are trying to collect as a RESPA ALLOWABLE 'cushion '. I called Customer Service and was told that they can not accept any payments except the TOTAL AMOUNT NATIONSTAR DEMANDS either. I was told I could mail or XXXX XXXX a payment but until the Escrow Account Dispute was settled, my payments would be held in suspense, and I would have to pay the additional 'Escrow Shortage ' - THERE IS NO ACTUAL ESCROW SHORTAGE on my account for my payments to be credited and not considered in default. 

I asked repeatedly if that tactic was legal?? I was attempting to pay IN GOOD FAITH the amounts I owe to principle, interest, actual escrow amount, and late fee! How could Nationstar refuse? 

I was told over and over that they were trying to HELP ME and give me alternatives to pay what I 'wanted to pay via XXXX XXXX or the postal service. ' We can escalate a resolution but it would n't be solved for at least XXXX more days - within XX/XX/XXXX. I asked - why just escalating now? I filed a complaint with the CFPB and have received a mailed written response from Nationstar that it was being 'reviewed ' - NOW you can escalate it - but without accepting XX/XX/XXXX 's payments I am trying to make, and keeping XX/XX/XXXX 's payments in 'SUSPENSE ' - tomorrow I will be in the second month of DEFAULT? 

How is this legal? or HELPING ME? I hung up. I immediately emailed Nationstar Customer Service with the above complaint. 

I had to leave to go to work - I could not go to the bank, then to a XXXX XXXX provider to wire the payment I legally owe and am happy to pay. 

Today, Nationstar has my mortgage account in 2 month default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
on XXXX 2015 I applied for mortgage refinance from Quicken loans. 
My understanding Quicken loans will inquire about my credit once, instead QL inquired 3 times in less than one month.

Company response to consumer: Closed with explanation