vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
ON XXXX XXXX, 2015, NATIONSTAR DEBT COLLECTION AGENCY HIRED XXXX, XXXX, XXXX TO PLACE A FORECLOSURE INTENT NOTICE ON THE DOORSTEP, AND INTO THE MAILBOX WITHOUT SENDING THE NOTICE THROUGH UNITED STATES POSTAL VIA MAIL COMMITTED MAIL FRUAD WHICH IS A FEDERAL FELONY CHARGE PUNISHABLE BY FEDERAL LAW TO ATTEMPT TO COLLECT A DEBT NOT OWED TO NATIONSTAR WITH NO SIGNATURE CONTRACT WITH THE AGGRIEVED PARTY. THE I.R.S. WHISTLEBLOWERS OFFICE IN XXXX UTAH AND XXXX CALIFORNIA HAS BEEN NOTIFIED WITH FILING FORMS XXXX ALONG WITH XXXX, XXXX COVER SHEET PLACE ALONGSIDE A POLITICLE/PUBLIC CORRUPTION AFFIDAVIT SUPPORTING THE ALLEGATIONS AGAINST NATIONSTAR IN COLLUTION WITH AURORA LOAN SERVICES, XXXX, AND XXXX, XXXX A VIRGINIA CORPORATION. A COURT ORDER ENTERED INTO JUDGMENT CHAPTER XXXX BANKRUPTCY COURT GRANTED AND SIGNED BY JUDGE XXXX XXXX UNITED STATES BANKRUPTCY COURT JUDGE ON XXXX XXXX, 2015 DISCHARGING ALL DEBTS FOR THE AGGRIEVED DEBTOR PAID IN FULL. I WILL BE SUBMITTING OTHER COMPLAINTS FILED AGAINST THE ACCUSED PARTY THAT WERE SENT TO OTHER AGENCIES LIKE THE F.B.I ; U.S. CID, C.I.A., SECRET SERVICES, AND XXXX ... .. FOR VIOLATION OF HOBBS ACT ( ROBBERY AND EXTORTION ) ; VIOLATION OF THE SMITH ACT ( OVERTHROWING THE U.S. REPUBLIC STATE CONSTITUTION XXXX ; VIOLATION OF R.I.C.O ACT ; AND VIOLATION OF DBA PRACTICES ACTING AS DECEPTIVE DEBT COLLECTORS WITH NO INTEREST IN THE PROPERTY ; AND VIOLATION OF PUBLIC LAW 10 CHAPTER 48, STATUE 48 SECTION 112,113.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
I had a mortgage with Nationstar and in 2012 they approved a short sale and it was complete XXXX. However, they did a new update in XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX SP XXXX at the XXXX XXXX XXXX courthouse in front of an alleged assistant clerk named XXXX XXXX XXXX acting as a judge and whom is not an attorney nor a judge and was acting in and for a debt collector in violation of the FDCPA. I am a consumer under 1692a ( 3 ) and the creditor under 1692a ( 4 ) .The alleged assistant clerk knew or should have known what she was doing was illegal when she acted outside of her jurisdiction regarding a consumer transaction which was timely rescinded under federal law. The alleged assistant state court clerk allowed a debt collector 1692a ( 6 ) who was attempting to collect a personal, family and household debt 1692a ( 5 ) to be conducted in a creditor related non-judicial state court action in violation of the FDCPA 15 USC 1692i. The clerk threatened me stating she would call the bailiff into the room because I was objecting to statements made by a debt collector and because I asked if the court had given the debt collector prior written consent before they contacted me. The clerk was disrespectful to me by stating that I was to keep my mouth closed and only speak when spoken to ; and making statements that I should have gotten an attorney when I objected to my personal and private contracts being placed in the public record in violation of privacy laws. The assistant state court clerk additionally began advocating for the debt collector that an alleged debt was accelerated and I was given notice when I objected that I had not and asked for proof of delivery. For these reasons and the conduct and behavior stated above I am placing the complaint against XXXX XXXX XXXX with the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
XXXX XXXX of Susquehanna Bancshares XXXX XXXX, filed false legal charges against me by not give me my Rights to a Substitute Check and not fully disclosing my terms the the XXXX Police Department at the time during the interview with the XXXX Police Deparment officer named in XXXX of Pa Docket # XXXX.

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 2017-02-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My mother 's reverse mortgage was sold from XXXX to Champion Mortgage company. Before Champion we paid our property taxes quarterly. Champion mortgage company insisted that we pay for the full year paying the property taxes upfront. We told them that we could n't afford to do that. Champion said they would pay the taxes upfront for the year and we would pay them back. We continued this process until they said my mother had reached her threshold and they could n't help us anymore. The mortgage was put in default. The mortgage company sent us a hardship form so we could request assistance to help us with the taxes and insurance and said it needed to be approved by XXXX. After several attempts to get some answers we were told told it was still in a processing state. We never received a response. I then contacted a XXXX counselor. spending about a hour going through their application/ check list process. The counselor had a list of less resources than I had. I had already contacted the programs she suggested. I contacted the XXXX, XXXX XXXX for Older Adults, XXXX, and many others. We are now in foreclosure. We need help. We have lived here for 49 years. My mother is XXXX XXXX XXXX with multiple medical conditions including XXXX. She receives XXXX, I am on XXXX XXXX and I have a XXXX daughter here with us. We did everything we were told to do to prevent this from happening. Since this mortgage is about XXXX XXXX XXXX, we have seemed to run out of options. There is no more equity and the monthly insurance, maintenance, other fees have eaten up the money. The mortgage is double what the house is worth. We ca n't find any help. Champion Mortgage and Nationstar Mortgage have a long history of abuse and taking seniors homes. Hundreds of complaints can be found via the internet, BBB, Consumer complaint websites etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
My servicing was change from XXXX to Select Portfolio Services , Inc. They have incorrectly calculated my monthly principal and interest payment as well as take out escrow amounts for home owner 's insurance when I pay that myself. 
On top of that, they charge my high late fees since I refuse to pay the additional incorrect amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
On XX/XX/2016 I received a call from a representative of BB & T inquiring as to whether or not I knew a XXXX, I responded No. I was then informed that it appeared that checks had been counterfeited, they did not match my checks and the signatures did not match but XXXX checks # XXXX - {$1700.00}, # XXXX - {$1700.00}, and # XXXX - {$1700.00} had been processed against my account. The account was obviously overdrawn and more so with overdraft charges. I was advised to go to my bank branch and file the necessary fraud documents, which was done immediately. The bank representative advised that we closed the affected account and open a new one. This also was done, we now had only one check to access the new account, but were told our existing debit cards would be linked to the new account. This only partially worked and only one card was linked, so that when a medication copay of {$2.00} was charged against that card, it was denied, and were were charged another overdraft charge on the old account. A bank representative was able to fix the link for the debit card. Then things got worse, we were told it would take approximately 10 days for the money to be restored to our account. After 10 days, I called, the rep told me the case was being investigated, and she provided me a case number and a phone number to contact the fraud unit directly. I contacted the fraud unit and was told that there was no definite time that the funds would be restored and it could take as long as 90 days. I went back to the branch office, the rep called and was told that an investigator would be assigned on XXXX and to call the fraud unit for an update at that time. In the interim I have been forced to withdraw funds from my 401K to cover property taxes, property insurance, and my mortgage payment with this same bank. I have had to contact Social Security, our life insurance companies, and all those with whom we have direct deposit agreements to make the appropriate changes. I feel that the bank 's resistance to reinstate my funds is unacceptable, this situation was a result of problems with their security and not my effort to protect my account. The bank informed me of the problem initially before I even knew it existed so they knew there was something wrong, with that said, I feel they are not responding reasonably.

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 2015-03-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I am contacting the CFPB for urgent help in dealing with my mortgage company, SPS. I have been attempting to get a loan modification since I was current in XXXX of XXXX when I knew I wouldnt have the money to make my payment. Because I was current, I was denied ... I fell behind from there not being able to work due to being self employed and out for proven medical issues and XXXX. I was denied every few months from XXXX through as recently as XXXX XXXX. All stating I do not make enough money or I make too little money. I went online and completed an XXXX from XXXX and it came back may be eligible. I resubmitted a complete modification on XXXX/XXXX/XXXX and I was told this was not received. I refaxed and emailed the submission XXXX which my documents did not start getting uploaded until XXXX and I was then told today because there was not 10 days before the sale, they can not help me and I will lose my 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 2016-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
AS REFERENCED IN SPS ' RESPONSE TO MY PRIOR CFPB COMPLAINT # XXXX, SPS STATED THAT THEY INFORMED ME AS TO WHY THE HIGHER CONTRACTUAL PAYMENT WAS DRAFTED HOWEVER SPS DID NOT DISCLOSE OR EXPLAIN WHY THEY ASKED ME TO ALSO MAKE CHECK PAYMENTS WHEN THEY WERE AUTODRAFTING MY ACCOUNT PER THEIR DOCUMENTATION RECEIVED BY ME IN MID XXXX XXXX WITH MY LOAN MODIFICATION PAPERWORK. 

IT IS NOT BECAUSE SPS AUTODRAFTED ME THAT I INCURRED BANK FEES, IT IS BECAUSE SPS AUTODRAFTED FOR A CONSIDERABLY HIGHER AMOUNT AND ALSO REQUESTED THAT I COMPLETE AUTODRAFT PAPERWORK TO REINSTITUTE AUTODRAFTS AND MAKE CHECK PAYMENTS IN THE INTERIM TO ENSURE MY ACCOUNTS REMAINED CURRENT, TO WHICH I WAS OVERCHARGED AND INCURRED BANK FEES OF {$110.00} FOR DUPLICATE CHECK PAYMENTS ( AS I WAS NOT AWARE THAT SPS WAS CONTINUING WITH MY ORIGINAL AUTODRAFT SET-UP WHEN MY ACCOUNTS ORIGINALLY TRANSFERRED TO THEM IN XXXX ). 

AS PART OF THE LOAN MODIFICATION PROCESS, SPS HAD STATED TO ME ON SEVERAL OCCASSIONS THAT THE AUTODRAFT PROCESS WOULD HAVE TO BE SET-UP AGAIN ONCE THE MODIFICATION WAS FINALIZED. YOU CAN IMAGINE HOW UPSET I WAS AFTER A LENGTHY MODIFICATION PROCESS WHERE THE SAME DOCUMENTS HAD TO BE SUBMITTED 5-6 TIMES BEFORE THEY COULD FINALLY GET THE MODIFICATION GOING, TO THEN HAVE THEM FINALLY FINISH IT 6+ MONTHS LATER BY SIGNIFICANTLY OVERCHARGING MY BANK ACCOUNT, CONTINUING TO PROCESS CHECKS - NOT ONCE, BUT TWICE EVEN AFTER I NOTIFIED THEM OF THEIR ERROR, REFUSE TO APPLY THE OVERPAYMENT TO MY ACCOUNTS APPROPRIATELY ( AT LEAST FOR ANOTHER THREE MONTHS ), REFUSE TO CREDIT ME THE {$110.00} IN BANK FEES, AND THEN START REPORTING DELINQUENCY ON MY ACCOUNTS AS A RESULT, DESPITE MY ORIGINAL REQUESTS FOR CORRECTION IN XXXX XXXX AND CONTINUALLY REQUESTED BY ME EACH MONTH UNTIL I STARTED FILING COMPLAINTS THROUGH CFPB IN XXXX XXXX ... THERE WOULD HAVE BEEN NO FURTHER DISPUTE, NO FRAUDLENT CREDIT BUREAU REPORTING, ETC. 

THE FINAL CORRECTION DEMANDED BASED UPON SPS ' ERROR IN XXXX XXXX, IS THAT MY CREDIT WORTHINESS BE RESTORED AND THE LATE REPORTINGS TO THE CREDIT BUREAUS FOR THE MONTHS OF XXXX, XXXX, XXXX XXXX BE CORRECTED. SPS HAS ALREADY CORRECTED THE PRIOR MONTHS CREDIT REPORTINGS TO THE BUREAUS FOR THE PREVIOUS MONTHS IN THEIR RESPONSE TO MY CFPB COMPLAINT NUMBER XXXX. THEY SHOULD HAVE CORRECTED THESE THREE MONTHS AS WELL AT THAT TIME, BUT THEY CONTINUE TO CONDUCT THEIR BUSINESS IN A DISHONEST FASHION, DEFRAUDING CONSUMERS OF THEIR RIGHTS. I FOLLOWED UP WITH THEM VIA TELEPHONE SEEKING AN AGAIN TO ACHIEVE AN AMICABLE SOLUTION AND NOT INVOLVE OUTSIDE PARTIES, HOWEVER, SPS LEAVES ME NO OTHER RECOURSE BUT TO CONTINUE MY COMPLAINT THROUGH CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Nationstar Mortgage co. bought XXXX XX/XX/XXXX and first thing they charged me XXXX dollars Attorney fee which I protested and after several months they removed it. and they have assessed my account for XXXX dollars Escrow that is also a lie and for 18 months they have been relentless on me after I have shown them on paper where I only missed ONE month at the most for insurance because of a cancelation of all my auto insurance in XXXX and I did no know that they canceled my homeowners insurance also. I sent paperwork that proved I got Insurance the next month. They also say that I was one month behind in my payments which I have checked all my bank statements that say I am not. Please help me because they are doing this me and maybe a lot of other older people wrong by profiting off of escrow and legal fees. On the first statement they sent me I had XXXX dollars in the escrow line then they changed it to XXXX - sign later. Thanks XXXX Nationstar Acc. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: C & M Associates Group, Inc.
State: TX

Complaint narrative:
I received a call this evening from XXXX & XXXX XXXX. The woman on the other and proceeded to tell me that she 's been trying to contact me and that she had exhausted all means they were at the point were I was going to be served and sued. I proceeded to ask why and she told me I had a {$6000.00} debt in XX/XX/2003 but I had not paid. I asked why I had not received any communication and she said it had been sent and they would not send anything else because they have done their part. I went on to explain that I need the debt validated however the lady became very upset and told me that they had no reason to validated as if I did not agree to pay they were going to go ahead and pursue charges to me. I explained I do not have XXXX knowledge as my son has an incurable XXXX but I 'm paying for. I 've sold everything to help pay for my son 's medical needs at this time. she proceeded to laugh at my situation which was heartbreaking. She told me that today she would agree to take {$3000.00} as a settlement and at that point they would no longer pursue charges or sue me. I told her I do not have that kind of money and she requested that I give her pre-paid checks. I do not think it 's fair I have to pay a debt I do not know what it is nor fair that I 'm threatening to be sued

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
We submitted a complaint with your company. Nationstar customer care contacted us and told us we could reapply for making homes affordable even though we got an auction date. Our auction date was XXXX XXXX. We got our paperwork faxed over to customer care at nationstar on XXXX XXXX. By making homes affordable rules you must have paperwork in 7 days before auction. I stayed in constant contact with the representative. On XXXX XXXX I received an email from XXXX XXXX at nationstar that she was going to check on the status of our application. We never heard back from her until XXXX XXXX stating that we had our home auctioned because they never received our application. I have the transmittal showing XXXX pages were faxed on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION
State: TN

Complaint narrative:
They are trying to make me pay for a loan thats not mine.

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 2015-04-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Our servicer, Select Portfolio Servicing in Utah, has requested require documents in order to negotiate a loan modification with the borrower. The borrower had received a completion notice from XXXX in XX/XX/XXXX, saying within one month, the examination will be notified to the borrower. The notification to this effect has never been received thus far, whereas Required Information Notice has been numerously received by the borrower. SPS has been repeatedly extending the expiration date for submission of Required Information, and the latest notification said the date has been set for XX/XX/XXXX. However, the borrower has recently been receiving numerous solicitation letters from attorneys at law and other private companies that are offering legal assistance regarding violation of " Dual Tracking '' and " Single Point of Contact '' because they insisted public notice has it that non-judicial trust sale date has been set for XX/XX/XXXX. The borrower has not received the Notice of Sale from Select portfolio servicing yet XXXX has listed the property to be auctioned off on XX/XX/XXXX. XXXX XXXX, Consumer Ombudsman Specialist at SPS wrote to the borrower with its carbon copy of XX/XX/XXXX addressed to CALIFORNIA ATTORNEY GENERAL 'S OFFICE, saying " Please keep in mind that each time documents are received an Acknowledgement Letter will be sent out. Once the processor has reviewed the documents another letter will be mailed out advising of documents that are needed or advising that we have a complete packet. '' See the last paragraph of the XXXX page of the said letter by XXXX XXXX as per attached hereto. Since XX/XX/XXXX, the borrower has submitted information numerously all along, but the said Acknowledgement Letter has never been received. The borrower has received Required Information Notices with pre-printed boilerplate letters containing all-encompassing documents. The borrower has never been able to speak to the so-called XXXX relationship managers, XXXX XXXX, and XXXX XXXX, as a single point of contact, but more than a XXXX different people from SPS called the borrower, asking redundantly for already-submitted documents and information. The borrower finally gave up on talking to them on the phone and SPS notified the borrower stating they will terminate any verbal communication with borrower yet SPS calls numerous times without leaving voice mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 've pulled my credit report and found incorrect collections other collections have been paid and disputed. I 've also lowered my credit obligations significantly in the last few months with little or no increase in my overall credit score, I 've paid my credit card down to less than XXXX % utilization and paid another account to XXXX % utilization which is a furniture account I 've paid all outstanding collections to XXXX yet my score remains at XXXX I believe a perfect score is XXXX I have XXXX collections I paid so we 're saying I 'm losing XXXX points because of them.. Really!!! I 'm having issues with calling to customer service because they do n't seem to understand what I 'm saying because there in the XXXX and I do n't feel I 'm getting my point across with issues like reporting the same debt on XXXX different accounts ..I getting frustrated dealing with them as I rely on them for accuracy when I 'm finding errors and them dragging their feet in correcting them

Company response to consumer: Closed with explanation