vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
Good Afternoon, I am in foreclosure in Massachusetts. 
I lost my job in XX/XX/XXXX, and fell behind on XXXX payments. I believe I was up to date in XX/XX/XXXX, but Nationstar mortgage did n't cash my mortgage payments for XXXX, XXXX and XX/XX/XXXX, then they put me into foreclosure. They sent me back XXXX of mymortgage payments not cashed, XXXX, XXXX and XX/XX/XXXX? I have been speaking with a representative from Nationstar about a modification for over a month now and now he wo n't answer his phone or return my calls? This is beyond frustrating. I am not sending them any money. 
They send someone to my house to put a note on the door telling me to call Nation Star, which they add to what I owe them, and they send this person a couple of times a week, and expect me to pay some ridiculous high fee. 
Is n't there some law were mortgage servicers are suppose to attempt to help a home owner stay in there home? 
Nation Star services mortgage for low income people and finds every possible loop hole to charge us exorbitant fee 's and interest rates. 
Nationstar is a servicer of mortgage payments, meaning they only handle the billing of mortgages, they do not provide loans for people to get mortgages. Nationstar is putting people into foreclosure because they do not get paid until the loan is paid off, so if they put consumers into foreclosure and the property is sold and they get paid in full once they have the properties title. I have contacted the Attorney Generals office in Massachusetts and they have been of no assistance. Thousands of peoples homes have been put into foreclosure and no one is coming to the aid of the American consumers. 

Any help or guidance would be GREATLY appreciated, XXXX XXXX XXXX XXXX, Ma XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Our house burned down on XX/XX/2016. We were covered by XXXX, who, according to the terms of our policy, sent most of the money to our mortgagor. XXXX Mortgage XXXX received {$190000.00} of our money. XXXX held on to our money for a month, never releasing it to us, then sold our mortgage to Nationstar Mortgage. I had to go through the whole process again to get my money released to me. In the meantime my builder was ready to walk off the job of rebuilding our house because he was n't getting paid. I finally got all of my money except for {$7800.00}. Nationstar said that they had to send out an inspector to " protect their investment. '' I advised them that the house was completely rebuilt and that I had a XXXX of XXXX. They said they could n't trust that!!!!! The original inspection was ordered on XX/XX/2016 ; I was never called. On XX/XX/2016 I called again and was advised that the inspectors had our wrong phone number. I told them to call me on my cell phone since our house phone was set up yet. On XX/XX/2016 I called again and was advised that no one answered the phone to set up the appointment. The number they were calling was our old house number that was disconnected. I was assured that the inspector would call us to set up an appointment on XX/XX/2017. As of today, I have not received any calls. These inspectors are not capable of making a single telephone call, how are they capable of doing an inspection? The way we have been treated is disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
In 2006 members of the community HOA opened a CD with Fifth Third Bank or a predecessor bank. As the current President of the HOA, I tried to redeem the CD and was told that since I was n't an original signatory, I could n't redeem the CD, that the original signers would need to come in. There are two problems with that. First, neither I nor the bank know who those individuals are. They looked at the original form and could see signatures but there were no names. The second problem is that the CD was opened eleven years ago and board members from that time have either died or moved away. 
Our property management company is named on the CD but they ca n't get the funds either. The CD matures on XXXX and will automatically roll over again unless redeemed. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
Nationstar is in direct violation of the XXXX Guidelines and Massachusetts Statute XXXX, unfair and deceptive Practices Act. Nationstar refuses to accept a Quit-Claim-Deed duly recorded in the Massachusetts Registry of Deeds.Furthermore N-Star is in violation of the XXXX Guidelines requiring servircers to XXXX evaluate a borrower for XXXX prior to offering an in-house modification.N-Star has approved me for multiple in-house unsolicited, no documentation Trial Payment Plans that actually INCREASED my payment.I have never received and the servicers have never generated a HAMP Denial Letter which is in direct violation of XXXX guidelines The potential financial harm to me due to N-Stars blatant violations of XXXX Guidelines, is in excess of {$380000.00} over the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
On XXXX XXXX, 2016, I mailed Registered Mail ( # XXXX ) to Nationstar Mortgage and it was received and sign for on XXXX XXXX, by XXXX XXXX XXXX. A STATE CERTIFIED BOND ASSIGNMENT was enclosed for the amount {$230000.00} to payoff the loan, with the payoff statement. Nationstar Mortgage acknowledged that payment was received and the account was never credited and closed. Nationstar Mortgage have not sent my Bond Payment back to me, the account should have been adjusted to SATISFACTION IN FULL., to this day, it is not. I would like to have my money back or adjust the account and closed it. UCC XXXX, states if a tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, the debt is discharged. Please investigate, there is some fraud taking place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I HAVE BEEN ATTEMPTING TO REQUEST A MODIFICATION on my mortgage with Nationstar for over a year now, The Lender blatantly failed to comply with HAMP rule Book notwithstanding of its participation and therefore obligation to do so. in a period of over a year, the failed to assign a SPC or Customer relationship manager to the account even after an appeal was submitted. in the contrary they purposely assigned a Legal Code into their system that prevented me or anybody in my behalf to speak with the bank. i was cheated by their attorneys at court whom cohered me to sign a consent judgment so no further litigation was active on the account, this being back on XXXX 2015, this will grant them a sale date in court 90 days after that. well to my demise and surprise they continuously refused to remove code or to allow me to speak to anyone in regards to my modificatiion, even worse denied my attorney to even sepak wtih them direclty in thse regards, therefore we could n't know whether addiitonal documents were nedeed or not until 2 weeks prior to the set sale date they decided tosend correspodnece denying the modificaiotn leaving me with 3 days literally to dispute their decision, i was able to do so at no avails i still was n't able to speak to anyone regarding my modification or dispute. they have failed to evaluate my request accordingly miscalculating income as per the rule book and taking out of the equations XXXX or deferment that could have resulted in a workout. it is obvious there is something else here as the property location is heavily coveted and the Lender might have special intentions therefore to create this issue for me. i addition there are 2 + years of unpaid principal balance which were discharged by the Chapter XXXX bankruptcy i am part of now, which they ; disregarding Bankruptcy court order, refuse to remove from the balance due, with the obvious attempt to disqualify me from any work out, any and all efforts have been done to reason with this bank with no positive results. the Court has granted an additional extension to sale due to proof remitted to judge of the above stated but now they have given me 3 days to resubmit a modification request ; which i will do. in hopes this organism has the tools to overcome the red tape and make justice, sincerely, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I have a balance XXXX for BB & T Bank for {$580.00} but the balance was paid last year out of my tax return

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX I, XXXX XXXX XXXX residing at property XXXX XXXX XXXX XXXX, XXXX, GA XXXX purchased the home in XXXX and refinanced it with XXXX XXXX Loan # XXXX on XXXX/XXXX/XXXX. That loan was sold to XXXX Loan # XXXX and was taken over by XXXX XXXX XXXX Loan # XXXX when they went under and held the loan for the years XXXX and XXXX then to XXXX Mortgage Loan # XXXX and to XXXX Loan # XXXX then eventually to Nationstar Mortgage - Loan # XXXX which is the current servicer. 
During the time the loan was being serviced by XXXX XXXX. I experienced some hardship and requested their assistance with a modification to avoid foreclosure when I was informed that they had not received any payments for at least 12 months with which I disagreed and thereafter received what seem to have amounted to a refinance for 30 years which included a second mortgage in the amount of XXXX. 
In XXXX I requested the assistance of the XXXX XXXX, a XXXX Certified non-profit counseling agency, to apply for a modification and was given a 3-month trial of which payments were made on-time and was offered a final modification with terms extending the balance to a 40-year loan maturing in XXXX which was to be signed and returned by a specific date. 
In reviewing these documents I noticed that an area was incomplete on the Agreement To Maintain Escrow Account ( page XXXX of XXXX ) and the balance in question seem incorrect from the years I owned the home. 
I am attaching documentation that may be helpful in getting to the bottom of my concerns in assisting me with my file. 
I appreciate your cooperation in this urgent matter. 
Regards XXXX XXXX XXXX Contact Information : XXXX Email : XXXXXXXXXXXX Encls : Nationstar Trial Modificaation Nationstar Final Modification XXXX Final Moiication XXXX Mortgage Interest Statements - XXXX XXXX XXXX - XXXX & XXXX - XXXX Mortgage - XXXX - XXXX Mortgage - XXXX and corrected XXXX - XXXX - XXXX XXXX Settlement Statement - XXXX XXXX Copies of bank statements can be provided if needed.

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

Complaint narrative:
On XX/XX/2015, I was notified from my XXXX mortgage company, that my loan had been sold prior to my XXXX payment due date (XX/XX/2015). However, I had already mailed in my payment to the original lender on XX/XX/XXXX. The original lender sent my payment to the new lender and it delivered via XXXX on Thursday XX/XX/2015 As of XX/XX/2015, the check was not presented to my financial institution for payment and I still have not received notice from the new lender stating they now own my mortgage and/or where to send future payments too. After looking up this new lender I found bad reviews of this company reporting late payments on customer accounts when the payments were provided before or on due date. 
I have not received any feedback from this lender after calling XXXX to get information about a new account number and where to send future payments. When I called I was told the loan was not in their system yet and it will take a day or 2. However I should receive a letter within 15 days of the loan transfer. It has been more than 15 days and I received no notification from the new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 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:
A woman called and asked if XXXX XXXX was available. I told her yes and she said she was calling regarding a " XXXX XXXX that I defaulted on in 2007. '' I asked her to send it to me in writing and she stated she would not, this was a last attempt before the matter was sent to litigation. I then asked for the company information which she deflected twice and finally provided. I asked her if I was being sued and she said yes, you will be sued if you do not resolve this matter immediately. I told her any outstanding debts from my past have been paid in full. She then told me I needed to fax proof that I had resolved the debt. I asked why I would be required to send physical proof when she was unwilling to do the same. She responded that she was n't being sued. I told her I was n't going to send anything until they sent me proof first and when I tried to explain that I have a XXXX credit score she kept interrupting me. I ultimately hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I sent in a mortgage assistance package to my servicer, Nationstar. Nationstar did not issue a written decision on this package. Nationstar requested documents after they received my package and I transmitted the requested documents numerous times. Many times Nationstar would deny receipt even after I sent it multiple times. I have sent another completed mortgage assistance package and Nationstar 's response is to set a foreclosure sale for XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I became XXXX XXXX and make less than XXXX % of the federal poverty level. I contacted Capital One regarding my credit card ending in XXXX and made hardship arrangements where they would stop charging me interest and fees as long as I made {$110.00} a month payments. 

They reneged on this agreement and have been charging me over {$75.00} a month since I began hardship repayment. Because of this, the balance is not getting any lower. I feel I have no choice now but to let the account be written off and pay a reduced amount to the third party collector who purchases the account in the future. I contacted Capital One and they raised the minimum monthly payment and also said they would not stop charging interest. 

Capital One should be reprimanded for unethical collection and repayment schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A little over two years ago, I had a Macy 's department store card. Then I suddenly received a new Macy 's card with an Amex logo on it. I assumed it was meant to replace my old store card because there was no other explanation in the envelope and it arrived looking just as replacement cards do, so I started using it. Luckily, it was only a small purchase I made, but it turned into a massive issue because I never received the bill. I was used to getting my department store statements online per my request and I did n't realize so much time had passed until I started getting calls from collection agencies. It turns out that Amex claimed they had n't been able to send me my bill and it was months overdue. Someone finally explained to me that I was dealing with XXXX separate cards and XXXX separate bills. I was furious about them opening a new card for me and then not even transferring my billing/contact information along with it. I finally got a Macy 's rep to straighten things out and I demanded that they fix things with all XXXX credit bureaus too. Then I demanded that they close every account related to me. They agreed. Last week, I received a letter fro Macys Amex saying that they have n't been able to email me my statements so they 're canceling my online preference and will start sending me paper bills!! This account was supposed to be closed two years ago! Is it not illegal for a company to issue me credit card without asking me? It must impact my credit if they check my score before issuance. What 's more is I 've had that unused credit sitting idle all this time. I have n't been able to figure out how it has affected my credit score over these last two years! I 've been emailing and calling them but no one can explain what happened and they 've just stopped communicating with me. I want them to fix this with the bureaus. I do n't think I should have to do it. Today I got a generic letter saying that my account has been closed, but it should 've been closed 2 years ago! What 's more is that the letter says that they 'll report the closure to the bureaus, but it will report it like a regular closure without explaining that the card was n't requested by me. How can this not damage my credit? What path of recourse do I have? Has this been illegal activity on Macy 's part? I would really appreciate any help you can offer. To be clear - this issue is with both Macy 's American Express ( for opening a card without my consent and not closing it upon request ) AND Macy 's ( department store ) Credit Card ( for not closing my account at my request ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WESTERN UNION COMPANY, THE
State: NV

Complaint narrative:
On XXXX XXXX, I purchased a money order from Western Union to submit to my cable company. The Cable people never received it. I contacted WU and was advised that I had to purchase for {$15.00} a copy of the cancelled money order. When I originally contacted WU in the latter part of XXXX I was told that after I received the cancelled money I would have to contact their office to provide a recorded affidavit attesting that I did not cash the money order. They told me this process would take around 30 days. The time has expired and I do not have my cancelled money and I was told, that after the phone call that I still have to make, the process will now take about 120 days or so. I was also told that even after their investigation, I still may not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
A company called " Credit Collection Services '' and " XXXX '' have sent another letter concerning a debt for XXXX XXXX XXXX of {$25.00} to XXXX XXXX XXXX who does not live at this address and also, is not even the correct middle name. The middle name is that of my mother who died over XXXX years ago. I have filed a complaint in the past for this same company and this is another continued attempt at fraud. I checked multiple website and every single site says the same thing " fraudulent. '' I contacted the company and spoke with a " XXXX XXXX ( not sure on spelling ) '' or " XXXX XXXX or XXXX '' she gave multiple names which made the call even more suspicious. I was intrigued by this and asked if she had any more aliases she went by. She stated no. I informed them I was filing a complaint. I also contacted XXXX and informed them of the situation providing them with the File Number and PIN number on the document.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In a letter dated XXXX XXXX, 2016 attached in its response to CFPB Case No. : XXXX ( attached to this complaint ), Capital One states, " After reviewing your account, we confirmed that this is a valid debt. '' Since the court judgment in my favor and against Capital One adjudicated the alleged debt it is unclear what the basis is for Capital One 's statement on the validity of the debt. 
In my reply to that dispute, I requested that Capital One provide me any evidence they have of the allegedly " valid debt ''. Since it has been two weeks without any response from Capital One, I am filing this complaint to again request this evidence of a " valid debt ''. 
Again my mailing address is : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I received a letter dated XXXX XXXX, 2014 from Kimball, Tirey, & St. John LLP to pay a judgement against me for unpaid rent owed to XXXX & XXXX XXXX. The letter said the debt will be assumed to be valid unless I notified them within 30 days that I dispute the amount owed. I responded within the thirty days informing them that I was never given an itemized statement at move out showing how much and where our security deposit was applied. 

I also went to see XXXX XXXX XXXX ( who sent the letter ) around this same time and I was informed to start making small payments but my request for Kimball, Tirey, & St John to obtain an itemized move out inspection showing where my security deposit was applied was never followed up on. Therefore I disputed all the debt as I was unable to calculate their interest charges without knowing my exact balance owed minus my deposit. 
I am still waiting for the itemized move out sheet required by law showing where my deposit was applied

Company response to consumer: Closed with explanation