vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rushmore Service Center, LLC
State: SD

Complaint narrative:
Since I have n't had debt to anyone for over the last twenty or more years I 'm concerned about the frequent calls from Rushmore Service Center # XXXX in XXXX XXXX, SD, a third party collection agency that gives me at least four calls a week. I have no need to answer the phone from them, a quick look on XXXX tells me who they are. The calls from them have been going on for several months now and they need to stop. I suspect they have the wrong number and need to correct their file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: CO

Complaint narrative:
Mortgage company will not remove mortgage insurance, continues to slam my phone with daily collections calls, does not allow payments to be made online if you get behind, and charges a {$10.00} fee to pay by phone.

Company response to consumer: Closed
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY

Complaint narrative:
Since XXXX I 've been receiving calls from a debt collection company, Chase Receivables. 
Their number is XXXX XXXX XXXX Their website is XXXX I 've checked with my XXXX banker and they 're not affiliated with XXXX XXXX They say I have a delinquent account They wo n't ever say what the account is because they say it 's federal law that I need to verify my identity first They tell me that I have to provide my DOB or my SS # When I do n't provide it they say that they need to make a note in my file that I 'm " refusing to verify. '' When I tell them I 'm not providing any information unless I see something in writing they say that they 've sent me mail, which has been returned They call regularly and when I do n't pick up they never leave a 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 2015-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: NC

Complaint narrative:
I recently initiated new telephone service. Ever since then, I have been receiving a continuous stream of harassing phone calls about a debt that clearly belongs to whoever had the number before me. I tried calling the company and explaining their mistake but the phone calls have continued.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: URS Holding, LLC
State: FL

Complaint narrative:
They call and ask for my personal information but will not tell me specifically what the call is in reference to beforehand or identify the account or company they are calling on behalf of - sometimes trying to get me to reveal my information in order to find out what the call is about. They sometimes leave messages that they will be taking legal action if I do not contact them by the end of the day. On occasion when I answer the call they make threatening statements and use intimidation tactics in an attempt to instill fear.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: TN

Complaint narrative:
Focus Receivables Management calls every day and often more than once. I have asked them several times to please send me proof of the original debt, they deny this being available and continue to call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC
State: NJ

Complaint narrative:
I am a XXXX and a single parent who makes only XXXX an hour. I have been trying to get on a payment arrangement and they keep denying my request. On both my XXXX and XXXX credit report, the collection company by the name of Enterprise Recovery Systems, is claiming that I owe {$24000.00} which is all incorrect. The only amount I can pay them is {$25.00} a month. The first time they notified me about this debt, I took the time to respond within the 30 days granted to the consumer to dispute the validity of the said debt. I even called and spoke to someone and was told that if I made a payment that it will not be reported to the credit bureaus. All I can afford is {$25.00} a month. I was threatened and told that all they can accept is {$250.00} a month. They keep calling and harassing me. Disguising their numbers as if they are calling from NJ. I even lost out on a government job offer because of this. These people are damaging me and causing me emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: AR

Complaint narrative:
Focus Recievables Management calls my home multiple times a day. When I answer, it is just a recording asking me to call back. I do not owe any debts to any company, so I attempted to call back 4 separate times to ask them to stop calling me. Each time, the line says all representative are busy. Yet, the company calls me nonstop.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received this voice mail ... This message is intended for my name. I received the fax order regarding a complaint that was filed against you. I have been retained to serve you with documents to appear at either your residence or your place of employment. If you have any questions or concerns about the complaint or wish to rectify the matter you can hit any key on your phone to connect to our office directly or call us at the following number XXXX. When calling please reference file number XXXX****. You have officially been notified. 
This is my former married name. I called the number back and the person stated they were representing Fifth Third Bank and the charges were Breach of Financial Contract and some type of Fraud. I advised I had an Attorney as this was under a bankruptcy and the call ended abruptly without any information being shared regarding this. I called back and asked to confirm the information that was told to me and a gentleman answered and responded with " since you know everything I really should n't have to tell you anything. '' I shocking said " what kind of business is this? '' He replied " again ma 'm, since you apparently know everything do n't you need to tell me what kind of business this is ... i do n't need to tell you anything '' and hung up on me. Absolutely shocked I immediately called back and talked to the original person I talked to the first time and confirmed the " charges '' that were to be put on me for this debt and again informed this person this was under an active bankruptcy and i have an attorney and reminded him of the law. I also asked him what the name of his business was and all he would tell me is the Law Offices of XXXX located in Tennessee. That 's all he would tell me. My initial findings is that business does not exist and i do not think this credit collections company is legitimate as after talking to my Attorney he informed me the company handling this particular debt is in New Hampshire and it 's not this company. This, along with many other scam artists like this, are using scare tactics to prey on people to take their money illegally. This needs to be stopped ... XXXX by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
My husband and myself are XXXX with excellent credit. We applied for an investment loan twice ( XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX ) through Quicken Loans and on both occassions we were quickly pre-approved and reassured that we 'd be able to close the transaction but later denied funding. On both occassions, after we already had a sales contract, paid for inspecton, application fee and appraisal, and many weeks into the transaction, we were told that the loan could not be funded. 
1. We were not able to purchase a duplex in XX/XX/XXXX/XX/XX/XXXX because after 4-5 weeks after pre-approval and countless documents sent to them, we were told that they could not lend us the money. We were able to put down XXXX % or more of the purchase price. We lost a great investment opportunity with XXXX units already rented and awesome appreciation potential ( we had a sales contract for {$130000.00}, comparable real estate is currently selling for {$230000.00} ) ; we also lost about {$1200.00} in inspection and appraisal fees, and of course, we lost valuable time that we could have used to find funding with another financial institution. We could not purchase this property because we were denied funding. 
2. We applied again XX/XX/XXXX because I work for XXXX, and as a XXXX employee I could get a discount on apraisal and fees. Once again, I was quickly pre-approved, put an offer on a duplex and the seller declined the offer stating that Quicken Loans approved but later does n't close. I went back to Quicken Loans, explained what had happened and asked, if they were confident that we could close. I was, once again, reassured that the loan could be funded, that the seller 's claim was unreasonalble because they 're a reputable company, etc, etc ... We put an offer once again but we had to offer more money for the seller to be confident ( we offered {$15000.00} more ), seller accepted, we had a sales contract, we made an inspection, paid loan fee and a couple of weeks into the transaction Quicken Loans said that the loan could not be funded because they had not noticed that we had other mortgages!!! How in the world our credit ( mine and my husband 's ) gets checked and mortgages go unnoticed? What criteria did they use to pre-approve us? Do QL associates get a commision when people are pre-approved even if guidelines are not followed? Are there guidelines? Are they just playing with consumers to rip us off like XXXX XXXX did? Are they discriminating against us because we are XXXX?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
I have a first mortgage with XXXX Bank XXXX XXXX as trustee which mortgage is being serviced by Nationstar Mortgage. In growing my business, I incurred large start up costs which caused me to fall behind on my mortgage payments. I recently made a good faith proposal to get my loan reinstated within a period of XXXX to 7 months. This proposal included a significant lump sum payment with large monthly payments which I offered to have automatically withdrawn from my account and with a lump sum payment to pay any remaining arrearage after XXXX to 7 months. My offer was turned down and the bank made a counteroffer which would require an even higher initial payment and monthly payments higher than I could in good faith commit to. I feel that I am not being treated fairly by my lender despite my good faith efforts to bring my account current in the not too distant future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Our mortgage was bought and sold XXXX times by various companies. The current owner, Nationstar Mortgage, recalculated our payments and even though we NEVER MISSED A PAYMENT ( even paid more on principal every month since the inception of the loan ) they charged us fees, penalties, and interest that they themselves could not explain. We hired an attorney to understand what we were being charged for and he ultimately told us he could n't talk to anyone who could explain it, show a proper accounting of the " recalculation '', and could not even begin to figure it out. The attorney thought that we had been " swindled '' for XXXX of dollars through devious and deceptive accounting methods. In fact, Nationstar Mortgage could not even provide us with an amortization schedule of our loan to this day! On top of this, we have a red flag on our credit as having missed payments when we NEVER missed a payment and ALWAYS PAID EARLY and above the required payment. To date, we are convinced that their " recalculation ( s ) have cost of XXXX of dollars ( if not XXXX ) which they can not explain in words or figures. If a lawyer can not help us then we felt we had no alternative but seek help from your agency. The transference ( Sale ) of our mortgage to Nationstar Mortgage Company from XXXX Bank has been a nightmare from the inception and has cost us more than just money. We need help and intervention for a full explanation and accounting from this company. 
We thank you for your help. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
A XXXX mortgage firm, dba Nationstar Mortgage LLC refuses to produce the XXXX document required in escrow to finalize the sale of my property. This has been going on for over 6 months! The loan officer, the escrow officers, the seller ( me ) and the buyer have placed calls to Nationstar to request this form. We can not find a person who even acknowledges knowing what we are asking for. Its as if this form has never been requested before. In speaking with XXXX XXXX, Foresite Escrow, she ca n't understand why calls are not answered or returned, nor can the loan officer understand the failure to return his calls. They wo n't return my calls. Yesterday I spoke with three different customer service staffers who refused to connect me with an officer who could finalize this problem. I was on hold for over an hour, then they disconnected me. This same procedure happens every time I call. 
What can I do to sell my house and pay off this loan when they refuse to produce the XXXX document for the escrow and title people? They are the most unprofessional business I have dealt with in my entire life!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I received my coupon from Nationstar Mortgage for XXXX payment and saw it had increased by {$830.00}. When I called them to inquire why, they said my 10 year adjustable rate interest only note had set to principle and interest and amortized over 20 years to be paid in full. I asked why I was n't notified sooner and was told I was sent a letter in XXXX. Since I had never received it, ( my mortgage was transferred to them from XXXX in XXXX ) they just sent me a copy ( received today ). I 'm blindsided! Had I seen it earlier I would have applied for a Harp loan to make this payment more affordable. I did apply and was turned down because of the 30 day late notice from my second trust holder, XXXX, placed on my credit report this month! 
When I got these loans back in XXXX XXXX, my husband had just died 6 months earlier, and my son was going off to college. I am the original owner of this home since XXXX and I would never had placed a 1st trust mortgage with a 2nd trust equity line ( needed because my son was going to college ) with a 10 year knife hanging over my head knowing both mortgages would set at the same time and increase my payments combined by {$1800.00} a month without doing something about it before it happened. Now I stand to lose my house because I just learned today when I applied for a Harp loan that the second trust holder, XXXX put a 30 day late payment on my credit because my payment went up with them as well and my automatic payment to them was insufficient. Now I am told with the 30 day late ( my first ) I can not apply for a Harp loan. I am going to be forced out of a house I have lived in over 30 years into housing that will be more expensive at the age of XXXX! Why? 
I 'm asking for these lenders to work with me and not force me out of my home. If I 've made my payments on time, every time, except for this month with XXXX over lack of communication, why ca n't I get approved for a fixed rate harp loan, amortized over 30 years while interest rates are low? While I tried several times, I was told I ca n't qualify for a regular refinance because my ratios are too high! XXXX says they wo n't even send me a statement until I pay what is owed fully. What they report as delinquent is not the amount owed. I am shaking my head. How can something like this happen? Is it the intention of the banking industry to put people out on the street with these predatory lending practices and dangerous loans? I got a loan I could afford when I needed it most and never realized it could jump almost {$2000.00} in one month for the next 20 years, especially without due notice. As soon as I found out I called the lenders and asked for help, having it fall on deaf ears and my credit destroyed. Can you help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
After initial contact, I asked the originator if they had financial products that fit my situation. Specifically, I was looking for a low down payment jumbo ( over $ XXXX ) loans ( non-FHA ). His response was that they have loans with the down-payment as low as XXXX % that are non FHA loans. However, after a hard credit pull it turned out they do n't anything like that. They only offer conforming ( under $ XXXX ) loans with % XXXX down-payment or Jumbo with XXXX % down-payment. 
After all the lies, my XXXX credit score took a hit for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: MCLEAN MORTGAGE CORPORATION
State: VA

Complaint narrative:
We dealt with McLean Mortgage and XXXX XXXX was our loan officer. We had to pull out of our contract and loan to buy a home due to personal emergency reasons and with that being said, instead of respecting our decision, she took the matter into her own hands by calling my husband 's Human Resource department multiple times asking about his job security. XXXX XXXX was in no position to do this. This was not her place to do that. By her doing this, she made my husband 's life at work a lot tougher and much much worse than it was. XXXX yelled at my husband and cursed at him and told him that he was full of XXXX and that we were both acting childish. This is not how you speak to another human being, let alone a XXXX woman. She also said, '' why do n't you just get the house, and if your husband loses his job, after a month or so, just get a new one! '' By her telling us this, this lady should not be a loan officer anymore because this tells us that she has written up many loan applications to people that ca n't necessarily afford it, has no integrity and she degrades people and is absolutely awful to the clients.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Structure of my home loan : I have an XXXX loan with Nation Star Mortgage. Basically 80 % of my home loan gets taken out of XXXX loan and 20 % gets taken from another loan. Insurance and taxes are paid out of my 80 % loan ... .never my 20 % loan ... .I do n't even have access online to pay escrow on my 20 % loan if I wanted to ... keep this in mind when reading below. 

Around XX/XX/XXXX, I received a check from my home insurance company in the amount of {$1400.00}. The insurance company stated my mortgage company XXXX Nation Star Mortgage XXXX paid the insurance twice. I called my mortgage company and told them that the insurance was paid twice and asked what I needed to do with the check. Nation Star Mortgage said I had enough funds in my escrow and did n't need to send the check back. I was advised that, just to be safe, to send {$200.00} which I did in XX/XX/XXXX 

Now it is XX/XX/XXXX. In the beginning XX/XX/XXXX, I sent over {$8400.00} to pay off my 20 % LOAN with Nation Star Mortgage. A few days later, I realized I had a {$12.00} balance so I sent {$20.00} more to close it out. A few days later I noticed the account was still not closed so I called Nation Star Mortgage. Nation Star Mortgage explained that I had an Escrow balance of around {$1400.00}. Basically, after numerous phone calls and time, I found out that when the mortgage company paid my insurance twice back XX/XX/XXXX, they paid it once from the 80 % loan and once from the 20 % loan. I have called Nation Star Mortgage numerous times to discuss their mistake and all they tell me is that I need to send the check to pay off the escrow. This is not right because I was told by a Nation Star Mortgage employee XX/XX/XXXX that I did not have to send the check in. Her notes are documented in the Nation Star Mortgage database. This has been confirmed by another employee I spoke to. Also, why did n't Nation Star Mortgage realize they paid the insurance from the wrong loan and fix the issue or contact me??? When making my online payments for my 20 % loan since XX/XX/XXXX, nothing was ever shown stating that I had an escrow balance. I am currently working with another Nation Star employee who states that the best they can do is move the escrow balance on the 20 % loan to the 80 % loan. It has been over two weeks already since she last told me this and nothing is happening. I would like for Nation Star Mortgage to pay for the escrow balance on the 20 % LOAN since it was their mistake. They took it out of the 20 % loan which was a mistake and they told me I did n't have to send it back which was false. A financial company can not make these types of mistakes and expect the customer to pay for them. This is not right.

Company response to consumer: Closed