vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I received a mortgage statement from BMO Harris bank. I noticed that my annual fee of {$35.00} that I sent in on XXXX/XXXX/2015 was not credited correctly ( they credited it to principal ). When I sent the {$35.00} in I even noted on the payment that it was for the annual fee. I contacted them at the number on my statement which is XXXX and spoke with XXXX. XXXX said that she would correct the problem and that it would take 3 to 5 business days. I was fine with the resolution until I asked her to mail me an updated statement. She told me that I could not have an updated statement and that they only sent XXXX per month. I asked her if that was the case even though you made a mistake. She said yes the XXXX statement rule still applied. I told her I was going to let you ( CFPB ) know about this rule. I have no idea if she is well within her rights or not, I just thought that you should know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Credit Corporation
State: TX

Complaint narrative:
I contacted Avant on XXXX XXXX asking if I could make my payment on XXXX XXXX because I incidentally made two payments one month which put me ahead in terms of paying them. They replied back saying, Thank you for your email and we apologize for any trouble. We have received your request and have forwarded it to the appropriate channel. If you have any questions in the meantime, do n't hesitate to reply to this email or give us a call at XXXX. We appreciate your patience while we work to resolve this! On XXXX XXXX I noticed on my bank statement that they withdrew the XXXX even though I asked to numerous time if the double payment could suffice for the XXXX XXXX payment and my regular payments resume on XXXX XXXX. I noticed when I checked my contract that they did indeed accept my double payment but as yet have did nothing in terms of resolving this issue of the double payment. Please see the attached correspondence written to the creditor requesting clarification. Please note that the original loan was taken out XXXX 2015 in the amount of {$1300.00}. Since that time, I have paid to the credit the amount of {$990.00}. Please note that this loan still carries a balance of almost {$1300.00}. Which is ridiculous considering that I have paid all but XXXX of the original loan amount of XXXX. Their lending was deceptive and the interest and fees are simply legalized loan sharking and preys on individuals that need to seek out alternative lending options.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Mortgage company did not pay homeowner 's insurance. My insurance payment was due XXXX/XXXX/16. I 've sent several emails to this company and have not received a response. Today i spoke with a representative and she stated i am supposed to pay my own insurance, however my HUD settlement states the extra amount paid into my escrow account is to cover homeowner 's insurance and property taxes. I sent this HUD settlement to thema gain today. She said they will get back to me by XXXX XXXX but my insurance is already far past due. I 've attached a copy of the insurance billing that shows it was billed to mortgagee. HUD settlement is also attached ( PASSWORD IS XXXX ) on page XXXX shows that homeowner 's insurance is included in the escrow payment and mortgagee is responsible for paymet.

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 2017-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I have attempted to contact Nationstar 50-75 time both in writing and by telephone and they have not been able to clearly provide me explanations on payment inconsistencies and manual adjustments they have made. This complaint is in regards to a door tag that was left on my front door yesterday that said please contact your mortgage provider. They have never been prepared or willing to discuss my account with proper detail or provide info to me I have requested. They should have all info readily available at all times after my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Addendum to CFPB Case # XXXX : A Fraudster used an electronic fund transfer method to obtain {$3600.00} from our joint account based on FALSE representation and FALSE promise. The wire transfer fraud involved a mid-morning phone call on Wednesday XXXX/XXXX/15 by an Imposter Grandson pleading for our help since he rear ended a car, was arrested charged with a DUI and is detained at the XXXX County jail, a foreign business man whos car our Imposter Grandson hit, was a rental car and the Foreign business man paid for the damages before flying back to his country. The Imposter attorney called and stated that he was able to work it out with Judge XXXX with a Court order to release our Grandson if he repays the Foreign business man for the damages to the rental car since the business man had to pay it before he flew back to his country.. The Imposter attorney presented us with the promise that our Grandson would be released provided that a payment, which he negotiated down to {$3600.00} be paid according to a court order We can provide concise details of the communication..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: ME

Complaint narrative:
A robo-call identifying itself as " Focus Receivables Management '' at XXXX calls our landline frequently, urging us to call them back immediately, to find out about a problem we have with an undisclosed company they work for regarding an unpaid/overdue debt. The robo-call never discloses the company pursuing the debt, and we have no directly communication from any company about a debt we are overdue on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: URS Holding, LLC
State: MD

Complaint narrative:
United Recoveries called my home today in an attempt to collect a debt allegedly owed by my mother-in-law. My mother-in-law has NEVER lived at my home and United Recoveries called just to get information on her. Although the call was from United Recoveries, the phone number they called from, XXXX, displayed the caller ID of " XXXX XXXX '' an unrelated company in a clear attempt to mislead me. Also, United Recoveries recorded the call prior to obtaining my consent and peppered me with question immediately in an attempt to distract me from the statement that they would be recording the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I submitted a loan modification with XXXX XXXX XXXX through a lawyer and a specialist in modifications. Multiple meetings and all paper work was submitted and a final meeting with XXXX XXXX XXXX was held to approve the loan modification, and which was attended by a lawyer where XXXX stated the modification would go through. A few weeks later, XXXX had " sold '' the loan to Nationstar. Nationstar subsequently informed us that they do not modifications and moved to foreclosure on our house. We filed Chapter XXXX to stop the sale as soon as possible given the fact Nationstar suddenly moved against us, and filed a judgement against us and 100,000s of dollars of fees - this is after XXXX had already agreed to loan modification. In Chap XXXX, we have paid and agreed amount to a trustee which Nationstar has cashed. Nationstar has stated on the record that they are not allowed to do modifications. That is completely false, as Nationstar is required according to the agreement as filed with the SEC to continue any pending modifications. They have stated again that the " investor does not allow modifications. '' In discovery, Nationstar submitted the MSA " proving '' their case, regardless of the case that the sale of mortgages from XXXX to Nationstar required modifications. The MSA they cite as evidence ONLY states that modifications are not allowed according to Remic rules. But Remic rules DO NOT prevent modifications. 

Nationstar has completely falsified and lied about the situation and they are lying that are not allowed to do modifications.

Company response to consumer: Closed
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: United Consumers Inc
State: CA

Complaint narrative:
United Consumers Inc. sent me a notice stating that I owe {$150.00} to XXXX XXXX XXXX XXXX, however they are refusing to provide me with a bill. I have asked to cease collection activity until the debt is validated and they refused, which is a violation of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: URS Holding, LLC
State: IL

Complaint narrative:
IN VIOLATION OF FCRA, FDCPA AND TCPA. ( SEE ATTACHED LIST )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Assured Financial Partners
State: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX, calling friends and family, threatening to sue me and telling them about my issue. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Breach of contract. I supplied everything need for a loan mod. In prior complaint with CFPB complain # XXXX. According to the Deed of Trust along with Note, the grounds for acceleration were not met. Provided for you to read are the Deed of Trust and Note.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX XXXX XXXX, previously XXXX XXXX XXXX XXXX owned our mortgage loan. In XXXX, during our chapter XXXX bankruptcy XXXX XXXX XXXX sold our loan to Nationstar Mortgage LLC on XXXX/XXXX/XXXX. Nationstar mortgage foreclosed on our house in XXXX of XXXX. Our bankruptcy was discharged in XXXX XXXX, XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and Nationstar Mortgage is reporting it as a foreclosure in XXXX XXXX. Our credit score has dropped XXXX points since Nationstar Mortgage started reporting the foreclosure in XXXX XXXX. Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and Nationstar Mortgage are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # *********** XXXX XXXX SSN # *********** XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX Nationstar Mortgage loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: HI

Complaint narrative:
Nationstar Mortgage has given me a " loan modification '' that makes my mortgage payment higher than the original one. 
In XXXX XXXX I signed an agreement with Nationstar for the loan modification, accepting it even though the monthy payments would be about {$100.00} more than the original monthy obligation. They said I had no choice, " take it or lose the property. '' In XXXX XXXX, Nationstar informed me that they were adding an escrow payment to my loan that would raise the monthly payments by about {$700.00}, starting XXXX XXXX, XXXX. 
How can they think that this is " affordable ''.? They advised me two weeks after the " loan modification '' was signed about this increase. 
The market value of my unit per month in XXXX is only {$1500.00} a month. 
The new monthly mortgage payment is {$2000.00}, as of XXXX XXXX, XXXX. 
There are also HOA monthly fees and electricity to pay. It costs me now about {$2500.00} a month to live in this unit. This is not affordable. 
I also do n't understand my loan statements which are different each month with various fees. I can not make sense of these statements. 
Nationstar has also accepted an application from me on XXXX XXXX, XXXX for another loan modification and is also at the same time, telling me that I am not eligible for another loan modification until XX/XX/XXXX. 
I am confused now about why they offered me an application when I am ineligible.? 
Their letters they send me say that they have " modified my loan to make it affordable ''. This is not a true statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Quicken Loans. I Called to start a v.a. home loan. I started with XXXX, a high pressure salesman. I informed him that I was interested in pursuing a v.a. loan but needed to finish replacing the roof on my home before i began. he immediately requested my Social Security Number and pulled a credit report and informed me that i qualified for a good rate. he then pressured me into rate locking, even though i had informed him that i was going to be taking some time before proceeding with the loan to complete renovations on my home. I uploaded all documents requested of me, along with these documents was a statement of my home owners association dues. I live in a single family detached home in a private homeowners association of which XXXX was aware of. We are also on a community well. They requested credit card information to proceed with getting a appraisal scheduled. My credit card was debited immediately and i never got contacted to schedule an appraisal for over 3 weeks. After the appraisal, i was contacted by quicken to inform me that because i was requesting a V.A. loan and i lived in a " Condo '' complex, there was further paperwork required to obtain an aproved V.A. Condo I.D . This document takes 60-90 days to process thru the V.A. and quicken does not assist with that process. I do not live in a Condo complex and i have never heard of such a thing. I was then told that i would still qualify for a standard mortgage at a slightly higher rate. I started to proceed in that direction until a few days later i get the call informing me that because i filed for bankruptcy 3.5 years ago, i was automatically disqualified. XXXX had all my financial documentation almost 60 days prior. They were well informed of my bankruptcy since day 1. Why they attempted to place me in a standard mortgage after the failed V.A. attempt is further discouragement. Quicken mishandled this case from step one. Again, I do not live in a condo. Never heard of a V.A. Condo I.D . before and had no idea it applied to an association. No refund!? 

Desired Settlement : Billing AdjustmentQuit placing blame on the consumer and take ownership of your advertising. You do NOT specialize in V.A. loans. You specialize in making money for yourselves and when you XXXX blame the customer. Learn from your mistakes. If in the future, you get a client on the phone and they inform you that they live in an association, the questions should be asked to ensure that the HOA is not considered to be a " Condo '' I certainly did not know that ... writing mortgages is not my specialty.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
XX/XX/XXXX I was able to do a home loanmodification that the Presidentput in place. My home loan is servicedwith Select Portfolio Servicing companyI have made my payments on time every month since XX/XX/XXXX except XXXX timein XX/XX/XXXX I wrote my mortgage check out ofthe wrong checking account and caused alate payment on my credit. 
For the last five years I have been working to pay offeverything on my credit report and have gonefrom a low XXXX credit score to XXXX-XXXX now. 
I wanted to get an even lowerinterest rate because shortly after Select Porfolio Modified mymortgage payment to an affordable payment, they raised my paymentthree months later to an un-affordable rate, after they had takenthe incentive from the government for my loan modification. 
So I found out about the HARP program and how you could check withyour mortgage company to see if they offer the programand could get you a lower interest rate. 
I called Select Portfolio Servicing and asked who myMortgagee was and the person that answered stated that they could not tellme over the phone and that they would mail me the name of my Mortgagee. 
They sent me a letter and I have it and advised me my mortgageewas XXXX XXXX. They did not provide a phone number for me to callXXXX. I was advised by Select Portfolio Servicing thatI could not contact them and that I would haveto contact Select Portfolio Servicing if I wanted or needed any king ofassistance in regards to my home loan. 
I went ahead and googled XXXX in NY and someoneanswers and connects me to a recording when I asked for someone in the mortgage dept. 
I called and I called to reach someone with this XXXX XXXX. 
I then applied with XXXX XXXX for the HARP program and theyadvised me that my home was in foreclosure. 
I applied with my local bank XXXX XXXX XXXX, and they advised me thatmy credit report shows my home is in foreclosure. 
I asked XXXX XXXX XXXX Loan Officer, where are they gettingthis information from because I am looking at my credit reportI pulled last week and it shows I have not been late XXXX timesince XX/XX/XXXX but in XX/XX/XXXX for writing the payment from thewrong checking account and I have proof of that. 
I would like to be contacted about what action that I can take against XXXX XXXX. 
They are purposely filing mis-information to these credit bureaureport. The banks co-CEO and CEO have recently resigned for putting people inforeclose who should have never been in foreclosure. Please contact me aboutthis matter asap, as I need to get my home refinance at an affordable 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 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I received information from XXXX ( XXXX ) XXXX XXXX-Senior Case Manager ' stating that a violation had occurred with my mortgage. The " Deed of Trust '' and the 'Note '' had been separated by NationStar XXXX I was told by XXXX XXXX that a law firm by the name of XXXX XXXX XXXX ( XXXX ) could fix the issue for {$4000.00} and it would take four months to resolve. XXXX XXXX state that my rate would be lowered to 3 % and all late payments forgivened. I need to know ifthis is true or is this a scam!

Company response to consumer: Closed
Consumer complaint received 2016-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Mortgage company failed to pay taxes out of our escrow account. The taxes are now 7 months behind. We have been in constant contact with the mortgage company in the past 7 months. We were assured it was paid over and over several times by the mortgage company.. Several times. Have now received a letter from a lawyer for the city, stating they are going to begin the process of foreclosure if we do not pay the overdue taxes. 
Mortgage company is Nation Star Mortgage. Note we have NEVER missed a mortgage payment OR been late OR not paid in full our monthly mortgage payment. We also have email documents back and forth from the company saying the taxes were paid. And they still have not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX sold our home loan to someone else. When we went for a meeting with XXXX ; they did not inform us that our mortgage had been sold. The company handling the loan ; Select Portfolio has now been threatening us with foreclose after their representative told us not to pay during the re-fi procedure.. We did n't. 
Now ; I am receiving foreclosure notices. My XXXX XXXX XXXX mother moved in last year after breaking her hip. This is unacceptable to me. The house is falling apart. We have no where to move. Our business is now located in our house. Wish I could call it a home. However ; the people at XXXX are not only deceptive. They are n't helpful in the least.We do n't know what to do at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation