vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: BAM Financial, LLC
State: WA

Complaint narrative:
Clear back last XXXX I got several awful voicemails from someone mumbling about a " personal business matter '' that their lawyers wanted to speak with me about. Eventually ( XXXX ) they called and I answered. They specified they were from " West & Associates '' collecting on a Debt from XXXX. A few days later I got a letter in the mail from them saying they were going to sue me in court and press judgement against me. Immediately I sent them XXXX letters ( attached ), XXXX asking them to VALIDATE debt, and another telling them to cease all contact except via written letter to me ( sent on XXXX XXXX XXXX ). They ceased all communication until XXXX XXXX XXXX at XXXX XXXX and again on XXXX XXXX XXXX at XXXX XXXX I received a phone call from them ( I still have the voicemail. ) I sent them XXXX more letters ( attached ) which were signed via Return Receipt last MONDAY. Again, telling them to cease contact with me, and to validate the debt. Yesterday ( XXXX XXXX XXXX ) They CALLED ME AGAIN. I notified them via phone that they are not to call me. They always yell at me and do n't listen to what I have to say and hang up. I KNOW they know they are not to call me anymore but they still do so. I will, from here on out, submit a complaint into your system anytime they call me. I have attached the following ; All letters I 've sent them, the return receipt signatures, and a recording of the phone call on XXXX XXXX XXXX. ( I did let them know they were being recorded. ) I 'll also try and include screenshots of my phone calls from them since I sent them the cease contact letter. 

This company has not only failed to validate my debt, but they 've also ignored every chance I 've contacted them to cease all phone communications. Now they 're harassing people that are n't even related to me, as well as my family. 

I will, gladly provide more information if needed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 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: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
Last year, I began receiving fraudulent electricity bills at my address with my name and address from XXXX XXXX for a service address in a different city over XXXX hours away from where I live. I repeatedly called XXXX to try to resolve this problem but was brushed off and lied to. I spoke with customer service agents, fraud department, billing and collections and even the office of the CEO. I was told over and over again that there was nothing I could do because I was not listed as an authorized user of the account. They said I should not worry because they had another party listed as the account holder. They could not or would not look into or explain how my name had been linked to this account. I asked for my name and address to be removed from the account but was told I could not because I was not an authorized user of the account. I was assured that there would be no repercussions and that my name did not even show up on the main account information page. XXXX refused to investigate, refused to accept a dispute, refused to take a complaint over repeated calls for months. 
Finally, the account became delinquent and we began to receive notices from XXXX and then from a debt collection company. I immediately contacted the debt collection company, who were helpful. They told me that XXXX had sent them the account with only my name and address, despite the fact that XXXX had told me over and over that I was not responsible for the account and could not make any changes and that there was another person name listed as primary responsible party for the debt. In short, despite all of this, when the account became delinquent I was the XXXX held responsible for the debt. They also told me I needed to and was entitled to file a dispute with XXXX. I called XXXX to confront them with this information and threaten legal action through a complaint to the PUB. In response, XXXX now, finally, claims to be taking action to clear my name, remove my address from the account and send a cease collection notice to the debt collection company. I have yet to see proof of this, and they do not intend to send me any proof. I fear that this negligence and incompetence on their part will end with me having to pay a debt that is not mine in order to clear the record of this bogus debt now associated with my name and address. And even if they have taken action to correct this fiasco, I can not forgive the months of incompetence that preceded it. 
I want to reiterate that at this time, GC Services collection company is NOT in any way responsible for this, as they explained to me that XXXX sent the wrong information to them. I hope this will continue to be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
UT XXXX XXXX CenterItemized Statements XXXX & XXXX Received XXXX/XXXX/XXXX, and Related PaymentsI received subject itemized statements for services rendered on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I paid all invoices received from UT XXXX. But they submitted bill for {$290.00} to Account Services Collections, and placed on my credit reports. 
Billed to my XXXX XXXX:XXXX {$3700.00} and paid {$3600.00}. 
Balance due : $ XXXX was billed and paid : {$72.00} - XXXX/XXXX/XXXX, $ XXXX XXXX/XXXX/XXXX, $ XXXX, $ XXXX XXXX/XXXX/XXXX, $ XXXX XXXX to my XXXX Insurance : XXXX/XXXX/XXXX {$2900.00} and paid $ XXXXBalance due : $ XXXXI was billled and paid {$420.00} - XXXXGrand Total Balance due : {$430.00} Grand Total Paid by me : {$700.00} Diff. {$270.00} due meAccording to your policy, the payment made on XXXX/XXXX/XXXX was charged at the time that the XXXX/XXXX/XXXX appointment was scheduled. As you can see, I was overbilled, and overpayment was made for these appointments in the amount of {$270.00}. Therefore, UT XXXX XXXX XXXX owes me {$270.00} for these overcharges. 
Please remove the collection of these bills, since I have paid all invoices as billed. Furthermore, please refund the amount overpaid. I am also notifying the Better Business Bureau and the Federal Trade Commission of these over billings. 
Sincerely, XXXX XXXX XXXX XXXX XXXXCc : XXXX Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
I signed up for the service that the representative promised that I would have service in this area and we 're we live the service around here is very spotty and had dropped calls cause of that.this service is more geared toward the southern states as even people from your company have mentioned to me.I 've paid my fair share of this bill even though you did provide me the service I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Bilateral Credit Corp, LLC
State: NC

Complaint narrative:
XXXX XXXX at Bilateral Credit is contacting me and my family after I have sent a cease and desist letter. He is using tactics such as 'spoofing ' his phone number. Rather than showing his real phone number or a 'restricted ' phone number, he is using software to make it seem like the XXXX , XXXX, or even XXXX office is calling. He is trying to harass my family with these tactics.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
" Account Services '' is sending me letter and making threatening calls regarding an incorrect statement. In 2013 XXXX XXXX XXXX contacted me for the same and upon further investigation they suggested that I do n't owe anything and I have a letter stating that they were suspending all collections activity. I tried to explain the same to " Account Services '' and they are unwilling to listen to me and threatening to impact my credit score. My File # XXXX. I need help to resolve this matter as I do n't owe this money however I am being harassed and threatened by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I 'm on my second modification request with Select portfolio servicing/XXXX XXXX Bank regarding my mortgage. I have submitted XXXX full applications for modification/resume mortgage over the last 2 years. XXXX was turned down for " not enough income '' and the other was approved but again the income calculations were drastically incorrect. Our request to modify or resume was so we could continue making my current XXXX per month payment or something close to that. This time they came back with an income calculation of over {$15000.00} per month. They offer to have me make and payments of over $ XXXX per month for the first 4 months followed by $ XXXX per month for the life of the loan. The income was again calculated incorrectly. The proof provided via tax returns, paycheck stubs and bank statements clearly shows a monthly gross income of between $ XXXX per month. Now, after waiting several months, actually a year for an answer thay have pulled the offer for review which will no doubt take several months. Meanwhile arrearages and fees add up and get added to my balance for mistakes they have made. My wife and I have lost several days from work providing paperwork to the mortgage company, appointments with a counselor at XXXX and court dates with more to come. I have answered every question, provided every document and fielded phone calls " attempting to collect a debt '' of which they will not accept payment on unless it 's full payment. I finally have a job where I make sufficient income to pay all of my bills and I see tremendous progress. I just want to pay my mortgage! Our family is under tremendous stress not knowing where we will be living and all we want to do is resume our mortgage payments and live in our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
My home received damages on XXXX/XXXX/16 ) The insurance company sent a check ( {$3500.00} ) made payable to me and the Nationstar. I sent the required documents to the mortgage company. Nationstar sent a check in the amount of {$880.00}, which does not cover the cost of materials. On XXXX XXXX, 2016, I requested additional monies ( {$660.00} ) that is needed to purchase the remaining floor materials. Total cost of the floor materials is {$1500.00}. On XXXX XXXX, 2016, my insurance company contacted Nationstar. Nationstar told the insurance adjuster the forms sent on XXXX XXXX, 2016 will be reviewed by XXXX XXXX, 2016. On XXXX XXXX, 2016, I called and was told that additional information was needed.I had to redo the entire packet. I stated that I was not. I faxed the document to them. I was told by Nationstar to buy the materials. I told them that my insurance company stated that I should not purchase any materials because that 's the purpose of the insurance check. I informed Nationstar that if additional information was needed, I was not contacted via mail nor phone. I have been calling weekly, I have requested to talk with the Dept. Head on numerous times to no avail. I have requested a telephone number to corporate office ; I was told there is no number. Also, Nationstar states that I have to pay for the inspections that they are requesting. I have asked for a copy of the policy stating this ; I have yet to receive it. Nationstar has been giving the the run-around for weeks. Thank you in advance for your help in resolving this matter. I have a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Law Office of Joe Pezzuto, LLC
State: OR

Complaint narrative:
I am getting constantly harassed by a collection agency from the number XXXX, they have even contacted my ex wife who I have been divorced from 20 years ago. This has to stop! 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: DC

Complaint narrative:
I had an account with BB & T Bank. When I opened my checking account I specifically stated I did not want them to process any transactions that would send my account into an overdraft status. I clicked on the " opt-out '' link. BB & T allowed many transactions to go through on several occasions which resulted in exhorbitant overdraft fees. I paid BB & T for some transactions. I even spoke to a representative who stated she saw where I " opted out '' and she refunded my money for this. However, BB & T continued to allow transactions to go through and now they are trying to collect these funds from me. I have spoken to several representatives in customer service trying to resolve this matter but to no avail. I do not believe I owe BB & T any money because of their negligence. I want them to cease all collections activity and to remove all disparaging information from Chex Systems, Telecheck and any other consumer reporting agency that they have reported this information to. It is not right for them to disparage consumers based on their negligence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
I had a mortgage through XXXX XXXX which I had been paying on for several years. Recently they sold my mortgage to Nationstar Mortgage. When I got my statement it showed where they are charging me the legal fees for their transaction of purchasing the mortgage. They are charging me for a title search and numerous other fees which are just labeled " legal fees '' and the total comes out to {$3000.00}. I have made two payments to this company since they purchased my mortgage of {$500.00} each, however they only applied {$400.00} of it to my principal and interest and applied the other {$590.00} to these legal fees. The remainder of the legal fees has been rolled into my principal. My complaint is that I do n't see how this can be legal to make me pay legal fees and title search fees for something I did not apply for, ask for, nor give consent for. I do not see how it is legal for them to charge me closing fees for buying my mortgage when I did not ask or apply for a refinance or anything. I was not behind on mortgage payments to XXXX and actually pay extra principal with each payment. I can not fathom that it is legal nor proper for these mortgage companies to charge me legal fees and closing costs for a mortgage that I did not apply for. Please get back to me soon because they have already ripped my off for almost {$600.00} for these fees which I did not ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I submitted all the paperwork the underwriter requested by XXXX/XXXX/16. I spoke to my contact person weekly every week after because my portal was showing I still needed to provide additional docs. She assured me week after week she checked with underwriting and that they had everything. XXXX XXXX I get a call from someone else asking if I can get hem the info underwriting has been waiting on. My loan closed XXXX XXXX and has still not funded. I called and they said they do n't know when it will fund as they never got an updated payoff for a creditor and it expired on XXXX. Now they are stating they need to rework the numbers and wait on the payoff This was not was I was told from the beginning and I was counting on the funds If my loan was n't delayed from the beginning my loan would have closed sooner and my loan would have funded before the payoff expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I refinanced with Quicken Loans last year. They apparently greatly under estimated my escrow by over {$1500.00}. If I do not pay the total shortfall my new monthly payment will be over {$2300.00}. This is more than I was paying with my previous mortgage company. I do n't believe the tax value on my property increased that much to have missed by such a large amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Green Trust Cash, LLC
State: TX

Complaint narrative:
On XXXX XXXX, I opened a letter from a TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that had been delivered to my home address. The letter indicated that " THIS IS A DEMAND FOR PAYMENT '' and asserted that I had an outstanding balance with a Green Trust Cash in the amount of {$350.00} principal, {$200.00} interest, and {$120.00} in fees. However I have had no financial dealings with any such company. Over the summer, while I was out of town on vacation, I received an email from my employer informing me that representatives of a Green Trust Cash had called repeatedly attempting to verify my employment and were extremely rude. There were also a number of messages on my home answering machine from a variety of companies allegedly attempting to " verify the application I submitted online. '' However, I made have made no applications for any type of credit online ( or anywhere else for that matter ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Consumer finacial protection in XXXX location they say that money in ATM was not taking which it was and then it they called back saying it when but that envelopes are needed when other branches told me none is needed and I requested no address on my checks. I just do n't time or patience for this. Thank u

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a option arm Jumbo that was sold to XXXX, then to XXXX XXXX XXXX an finally to Nationstar. XXXX said that I qualified for the XXXX settlement agreement to Modification and then sold the servicing to Nationstar who said that they did not inter into the XXXX settlement. Nationstar will not modify my loan for any reason and would rather short sale the property for half the amount that I am trying to modify.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
We gave a purchase money mortgage to XXXX XXXX in XXXX, XXXX for a 15 year fixed rate mortgage with escrow for payment of taxes. The loan was assigned, most recently in or around XXXX, XXXX from XXXX XXXX XXXX XXXX to Select Portfolio Servicing. 
In that same month, the property was offered for an upset tax sale because, without our knowledge, local real estate taxes for XXXX, XXXX and XXXX had not been paid, even though we had made tax escrow payments including through at least XXXX and probably XXXX, XXXX. We are in the process of preventing judicial sale of the property at an expense to us of {$2000.00} for suspected misapplication and or non-payment of taxes by the predecessor of Select Portfolio Servicing , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Mortgage company is overcharging me for interest and fees and refuses to correct problem. 
Interest rate is supposed to be 2.75 % of {$270000.00} of {$630.00} per month and they have been charging me {$1400.00} per month as well as other fees they make up like taxes and insurance that I pay not them and misc. fees they tack on every month. This has been going on since 2009 and they refuse to correct the problem. The company is SPS Select Portfolio Services in Utah. If you look on the internet they have been doing this to XXXX people and no one can do anything about it. If they are not a criminal organization I do n't know what is. The FBI should look into their practices as they are doing this to countless others. I have also paid them close to {$50000.00} in payments through the bankruptcy court and they refuse to give me credit for these payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
NationStar had completed all the refinancing paperwork, then abruptly cancelled my loan application because of a supposed tax lien that goes back to 2006. There is NO current tax liens. I told the NationStar representative, XXXX, to call the supposed beneficiary. 
NationStar refinanced my house in XX/XX/2011- well after these tax loans had been paid off. There were NO Title problems then and there are none now. 
I am contending that NationStar chose to cancel my loan because interest rates had risen. NationStar is just as greedy as every other company in your business.

Company response to consumer: Closed