vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-30 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Credit Collection Service had placed this negative items on my credit reports without notifying me. Credit Collection Serivce violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
We initiated a transfer of funds from our Capital One 360 account ( formerly ING XXXX Checking ) to our Capital One checking account. There was an error during the online transfer, per the website. The money came out of the 360 account, but never made it over to the Capital One checking, i.e. now it is nowhere ( except in the Capital One Bank account for lending, of course ). The transfer was initiated on Thursday, XXXX XXXX. We have called the bank XXXX times through today, XXXX XXXX and still no resolution. We still have no access to our money, and the bank continues to tell us it will be fixed. 

Also today, Capital One Bank initiated another transfer of funds from our 360 account TO the Capital One Checking, they say in an attempt to fix the original problem. This transfer also did not hit the Capital One account and is now nowhere. This was NOT a correction since it was the wrong way, they took MORE money from the 360 account, not a reversal of the original. We did NOT give the bank permission to take this money from our account and now it is also gone. 

We consider this a matter of theft on the part of the bank, and fully expect a criminal investigation. We were told on Friday, during our XXXX call to the bank the the problem was wide-spread for all transfer on Thursday. This should be considered a class action suit along with the criminal suit and I encourage everyone involved to pursuit as we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
A collection agency is claiming to be a law firm with a unpaid lawsuit for an eviction that never happened. There is no lawsuit either. The property management company that I rented from that originally hired them did n't send the move out statement in the time allowed by law and therefore forfeited any claim against me and refunded my deposit. Kimble Trey al has no legal debt owing by me to be collecting yet they are reporting a XXXX. Debt to the credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit Limit was {$400.00} and the amount they are trying to collect is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Byrider Franchising, LLC
State: TN

Complaint narrative:
I had an auto loan that I signed XX/XX/XXXX with CNAC. XXXX XXXX my income decreased by XXXX my car payment is {$390.00} for a XXXX Kia Rondo with a total balance of {$13.00} left ( Way over priced ) I have been late the past few payments and have explained myself multiple times to multiple people from this company but they are not willing to refinance. I tried to get another car through another lender and they called to get the pay off balance from CNAC and decided the amount is too much. I received a call from CNAC asking me if I ca n't pay for this car how will I pay for another one. I have asked them multiple times to stop calling me and to just come pick up the car but they continue to call multiple times a day asking the same exact questions and at first I would explain it over and over again but if I say one word different than the previous call they interogate me. For example " It shows right here that you make 3 times the amount of the car payment so why ca n't you pay for it again? I do n't understand because it shows here the last rep you spoke with you told them '' ... .etc.but continue to call multiple times a day asking the same questions from the beginning. It 's becoming harassing and I am now being told okay we will come get the car but the contract I signed I 'm still gon na pay them the full amount regardless so I might as well keep it. They call up to 10/times a day and if myself or my wife do n't pick up the phone they will call all of our references and disclose to them that we have n't paid our car note and are n't answering our phones. I am a XXXX veteran on a fixed monthly income who suffers from XXXX and this has really caused me have my XXXX with terrible XXXX. I am a victim of predatory lending and harassment and would like this nightmare to end. They say the program is here to help but the fact is I came to this loan because my credit was n't great and I really needed a vehicle. But the loan is predatory and the car is n't in good condition I had to drive XXXX miles multiple times to take it to get " fixed '' by the service center right after I got it. And if the program was here to help they would be willing to refinance and not try to force me to pay for something I ca n't afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I have had a home mortgage since 1997. I have always paid extra into the escrow to insure the insurance and taxes are paid. I am in good standing. XXXX sold my morgage to NationStar. XXXX said the terms will be the same. NationStar is now charging me fees of {$75.00} to pay taxes and insurance from my escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
We paid off our mortgage loan with Nationstar Mortgage on XX/XX/2016 and overpaid by {$190.00} in interest. As of XX/XX/2016, still no word and no refund check from Nationstar. 

Now imagine being late on your mortgage payment.

Company response to consumer: Closed
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
We have been the victim of countless acts of crime from numerous sources within a corrupt and non compliant industry. Attached is a settlement offer to end the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I was given instructed by my nephew to deposit his check into my account to pay his rent. I deposited the check into my account. The bank did not credit my account. Instead they put a hold on the check. I called to ask why and was never given an answer or notified by mail as to what the problem was. I contacted my nephew as to the problem, but he XXXX unable to get any paperwork done on the matter. Since he is in XXXX, I cant help at this point. The problem now is that the bank is taking my money to cover a check that is still on hold. Right now they have taken XXXX dollars of my money and my account is XXXX overdraw for the balance of the check amount. I cant use my ATM, or debit card to pay any bills, I am literally without any banking. I do not know why they are taking money from my account, when the check I deposited is still on hold. They never put that money into my account They are literally stealing my money to cover a check that they never cashed for me. I spoke to someone in the corporate office in XXXX and they do n't know why the branch manager is holding the check. This is unusual because a week or so before I deposited a check from the gentleman the rents a room in my home. It was his S.S. check. He signed it and I put it in my account. There was no problem with that check. I need for this matter to be looked into because my XXXX check is direct deposit. How is it that they can go into my account an manipulate it the way they want. What does my money have to do with a check on hold in the account.

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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I am livid on Nation Star 's injustice against me. Nation Star is using fraudulent claims against me in order to deny my loan. XX/XX/2016 I was denied for Hamp Tier 2 due to insufficient monthly payment reduction. Nation Star used The Federal Standardized Living Expenses Calculator ( {$2500.00} ), to calculate my expenses than my actual expenses on my Making Home Affordable Application ( {$1400.00} ) What is even more concerning is that my current market value was not even taken into consideration at that time but to my understanding, the loan to value is important to determine if the payment would increase or decrease. 
I was denied on XX/XX/2016 for a modification again due to their outrageous claim that my home is worth {$140000.00}. There is no way my home is worth that much! My property is grossly underwater and needs a lot of work. I recently paid for an appraisal to be done on my home resulting value of only {$120000.00}. Based on the Hamp Tier 2 guidelines, my loan is eligible under these terms. This is really affecting me due to Nation Star prolonging my case, I am falling further behind in debt. I have attended workshops for struggling homeowners like myself and have learned about my homeowner rights. All I want is a fair review under my correct income and correct property value.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: E. A. Uffman & Associates, Inc
State: LA

Complaint narrative:
repeatally attacking my credit account with same ole account that should be close.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
The mortgage is a 50 year mortgage with a 30 year balloon. This mortgage is an Adjustable Rate Mortgage. I was told it was a 30-year loan and it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: HI

Complaint narrative:
My mortgage payment is collected by Nationstar Mortgage. And I am forced to pay additional funds each month into an escrow account for taxes and insurance in stead of being allowed to make my own payments. Last year I received an invoice for hurricane insurance ( also required by the lender ) directly. I paid it and submitted proof of payment to Nationstar. Nationstar proceeded to pay it as well, in spite of the prior proof of payment,. Subsequently Nationstar was reimbursed by the insurer, but has refused to reimburse me, claiming that they need it to keep my escrow account above the minimum required balance. However, as they do every year, Nationstar still increased my monthly escrow payment again for the next year. Their explanation for why they had to increase my monthly payment in spite of retaining the {$790.00} they were reimbursed by the insurance company has been totally inadequate. They simply manipulate the actual date of payments and/or escrow calculation such that the account briefly falls below the minimum balance allowed by law and then use that as an excuse to jack up the payments or in this case refuse to reimburse me for the payment I made. Finally I would like to make it very clear that Nationstar intentionally made the double payment when fully aware that they had proof in house that the payment had already been made.

Company response to consumer: Closed
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
On XXXX XXXX our mortgage with Nationstar was paid off through a refinance. I called Nationstar who told me that it would be up to 14 days before escrow balance would be refunded. On XXXX XXXX I called Nationstar again about the status of the escrow balance refund and then they told me they had 30 days to refund me the balance. I asked for an urgent refund and they said okay that they would have it to me within the next XXXX3 business days and gave me a tracking number for the refund. 3 business days have passed and I contacted them today for the status and they said the refund had been issued but that it would be another 10 days before it would be sent. I asked for an urgent refund and they said that I would receive the check prior to 10 business days but the status of the tracking number that has been provided to me has n't been changed since creating the label. I was told at closing and several times by Nationstar that I would not have to wait more than 14 days for my escrow refund, but yet 28 days later I still have no refund. The money is not theirs!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I had a check deposited into my account in the amount of {$800.00} on XXXX/XXXX/15. On XXXX/XXXX/15 the check was delayed depositing and then they said it had been returned. I have proof that the check written has already cleared the other individuals account. I was also charged an overdraft fee of {$36.00} and returned item fees of {$180.00} all on XXXX/XXXX/15, which is a day after the check was deposited into my account. I contacted BB & T and they said they had only the information that the check was either returned for a various amounts of reasons. I then again explained everything and asked to speak to someone else. This is when the representative told me I would receive a call back in 24-48 hours. I am extremely unhappy and beyond frustrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
NationStar Mortgage acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, 2015 with the assistance of a Foreclosure Trustee named XXXX XXXX XXXX XXXX. The direct violation of XXXX law is based on NationStar Mortgage improperly and unfairly reviewing our loan modification request for relief which was never processed by them because they lost the file and all documents. I submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times at no avail. 
In addition, NationStar Mortgage has repeatedly denied me help several times and we never get a single person or SPOC to answer our questions honestly or directly. They always have several of their reps pass off our file amongst each other just to create delays. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. We intended to keep our home and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. NationStar Mortgage Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They simply wish to foreclose and kick us out onto the streets. They have clearly violated XXXX specifically under the " dual tracking '' clause. 
Now NationStar Mortgage instructed and allowed the Foreclosure XXXX named XXXX XXXX XXXX XXXX to illegally start foreclosure on my property. NationStar Mortgage. So there no valid or justifiable reason why NationStar should have denied our request or started foreclosure on our home. As a foreclosure avoidance option, I hired a RE Agent Named XXXX XXXX at XXXX XXXX to handle and start a short sale. We accepted an offer and now NationStar Mortgage refuses to accept the offer that she submitted in early XXXX of 2015 and said they will continue with the foreclosure sale. The sale is still set and they wont stop it to process the short sale which is wrong and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Credit Report from Quicken Loans. I have XXXX complaints on these negative items on my credit reports, and now they show up again and again. After I have been told they are removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
My ex-wife and I submitted an application through Nationstar Mortgage in XX/XX/XXXX to allow me to assume the mortgage loan in her name. I submitted all of the information and was told I would receive a call back in XXXX business days. I never received a call back and when I contacted Nationstar in XXXX, I was told the information was never received. I resubmitted the information a XXXX time and confirmed with Nationstar that it was received. I then received a letter in the mail dated XXXX XXXX stating Nationstar received our request for an assumption and asked for the exact same information a XXXX time. I called Nationstar and was told again that they did n't have my information. When I informed them I confirmed with Nationstar the last time it was submitted, the representative was able to find the data I submitted XXXX before. I was then told it was with the research department and someone would contact me within XXXX business days. However, once again, I received no return calls or mail correspondence. I contacted again on XXXX XXXX and was asked to resubmit the same information for the XXXX time. I received a XXXX confirmation from Nationstar that my information was received. In XXXX, I called back for the XXXX time and was told that it was being researched by the research department and someone would contact me soon. I called again in XXXX and was told that the assumption was approved and it was in the hands of a third party for closing and could take up to XXXX days. It is now XX/XX/XXXX and I have not received any closing information, no return calls from Nationstar and continually get transferred from XXXX department to another, and eventually get hung up on. XXXX months have now elapsed and I am still no closer to resolving this issue. Again, I want to stress that I was told in XXXX the assumption was " approved '' yet I have heard nothing since. This is unacceptable lending practice and I feel an intentional attempt to not honor the approval that was verbally provided by phone. Nationstar records calls per their voice messaging system, so they clearly have access to verify these statements. Additionally, it has been impossible to speak to a member of management. I am always told they are unavailable but they will have someone contact as soon as possible, and as usual no one ever returns my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
~ {$7000.00} in debt has been reported on a credit card that I never had.

Company response to consumer: Closed with non-monetary relief