vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Universal Account Servicing, LLC
State: MA

Complaint narrative:
We bought into a XXXX membership and they had us go through Universal Account Servicing LLC to finance the membership. We bought in on XX/XX/XXXX planning on using the membership in the future. This XX/XX/XXXX we went to use XXXX and found out they closed all their locations in New England in XX/XX/XXXX. When I found out the showrooms all were closed I contacted XXXX and informed them I believe the franchise owner knew he was closing all his showrooms ( 3 months ) and sold us a membership anyway. I informed XXXX the reason we bought in was the showroom and advisers, which now we did not have access to. At first XXXX would not cancel the membership. I contacted the Attorney General Office and filed a complaint. When I informed XXXX I filed a complaint with the AGO they Pro Rated a refund/cancellation. After the settlement I spoke with AGO and I was informed there were other complaints with XXXX. while speaking with AGO I mentioned that our credit rating was poor and we were turned down for every credit card and credit purchase. I asked about how we were able to get a {$4000.00} loan when we have been turned down by every other company, AGO said I should contact the Banking Commission. I am contacting you because I fell this was a planned scam. And if you have any other complains with Universal Accounting Servicing LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
My complaint is how BB & T chose to pend and post items in my account. I had {$86.00} left of my Social Security check on XXXX XXXX, when my utility bill that I 'd paid by check was posted to my account. However, the check did not go through and the transaction was charged a {$36.00} overdraft fee. The check did n't go through because the bank was holding {$59.00} " pending '' in my account. It was not to be posted until an item shipped, like most online purchases. However, because BB & T " pended '' and virtually paid it by claiming that cash but not posting it, it would not pay the utility check, even though there was enough in the account to pay {$47.00} utility payment. Four days later, BB & T posted the {$59.00} and charged another overdraft fee. Then, because the account was in overdraft for 7 days ( days, not banking days ), starting XXXX XXXX with the utility bill posted ( when there was enough money to pay it ), I got another overdraft fee of {$36.00}. The bank wiggled around the money so that I paid XXXX {$36.00} overdraft fees, and then added on top a {$12.00} maintenance fee. That 's {$120.00} in fees when it should have been {$80.00} at the most. I 'm finding another bank. This same bank charged me an overdraft fee when I deposited a check to cover groceries only 8 minutes after they were purchased. I was stuck in traffic and it was easier to pull into the grocery store parking lot first. I spent something like {$100.00}. I drove across the street to the bank and deposited one of my XXXX checks that more than covered it. However, when I got the statement, the overdraft was there.

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 2016-09-09 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
The CFPB, F.B.I., OCC.HUD, making HOME ADORABLE AND MY CONGRESSMAN US D.O.J. NEED TO REOPEN A CRIMINAL INVESTIGATION AGAIN AGAINST CHOICE LEGAL GROUP IS A COLLECTION AGENCY AND THE LAW NEEDS TO BE AUDIT THE AUDIT WILL REVEAL ALL THE FRAUDULENT DOCUMENTS ACTIVITY GOING ST THIS FORECLOSURE MILL 'S ALL IS FRAUDULENT POA, XXXX ENDORMENTS, NON ORIGINAL PROMESORY NOTE LOOK CASE # XXXX AT XXXX FRAUDULENT DOCUMENTS TO OBTAIN A FAVORABLE ILLEGAL JUDGMENT FOR ALMOST {$140000.00}, THIS FRAUDULENT ACTIVITY

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 2016-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
After my divorce in XXXX I purchased a house for approximately {$450000.00}. As a single mom with no child support or alimony, I was soon unable to make my monthly payments. I ultimately deeded the house in lieu of foreclosure to Nationstar during XXXX, XXXX. At that time the mortgage was {$340000.00}. I received a XXXX in XXXX, XXXX for the XXXX tax year indicating that the fair market value of the property was {$360000.00}. The Commonwealth of Massachusetts considers cacelled debt as income. Even though I gave Nationstar my home in exchange for cancelling the mortgaged, I 'm being taxed on {$340000.00} as income, and have to come up with over {$18000.00}. I am a single mom with XXXX kids in college and rent my home. I 've called Nationstar approximately 7 times during the past 3 weeks, and have emailed them. I 've asked them, in accordance with my accountant 's recommendation, to issue a corrected XXXX. They do not respond to my messages. This is an enormous financial burden and causing terrible XXXX for me and my children. I 'm concerned about Nationstar 's apparent disregard for this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: IL

Complaint narrative:
I do not know of this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
I applied a loan modifications at Nation Star Mortgage XX/XX/XXXX and until now I have n't got the approval & gt ; & gt ; and kept saying that the loan was denied due to missing documents & gt ; & gt ; This is not true because I am very much concerned to keep the house for investment & gt ; & gt ; I am behind of almost 2 years for the payments and they are stressing me out to pay it so I can keep the house otherwise it will be foreclosure & gt ; & gt ; According to my tenants who live there right now they have been harassing them and gave the letter of foreclosure XX/XX/XXXX gt ; & gt ; take pictures of the house outside & gt ; & gt ; I am retired XXXX and receiving social security XXXX taking care of adopted son and want your help to stop the foreclosure I was able to pay the monthly that time & gt ; & gt ; I really want that house to keep for my investment in the future & gt ; & gt ; Thanks for your consideration and your kindness. 
The complete detail of the mortgage & gt ; & gt ; Nationstar MortgageAttn. Making Home Affordable Loan Modification processing XXXX. XXXX XXXX Texas XXXX XXXX Loan SpecialistTel. No - XXXX XXXX XXXX ext. XXXXFax no. - XXXX XXXX Loan no - XXXX owe {$89000.00} as of now and the house is worth {$130000.00} according to the market valueI really need your attention to help me to solve this problem because it 's affecting my medical problems & gt ; & gt ; I am on XXXX twice a week because XXXX I am having right now & gt ; & gt ; The doctor advised me to lower the stress to keep me healthy & gt ; & gt ; I just had XXXX XXXX XXXX XXXX XXXX & gt ; & gt ; I am divorcedHere is my tel.cell no.- XXXX XXXX XXXX XXXX XXXX - XXXXXXXXXXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
my loan was sold in XXXX from XXXX to SPS ( XXXX ; XXXX XXXX XXXX ) IT HAS BEEN A MESS IN THA I HAVE SUBMITTED EVER Y SINGLE DOCUMENT THEY HAVE ASKED FOR PAST TWO YEARS PROBABLY OVER 40 TIMES YET THEY KEEP ASKING FOR SAME THING now I find tha they might not be legal owners of mortgage and have no standing in foreclosure case filed by XXXX in XXXX.They r not licensed mtg company in Illinois!! There r many cases on XXXX blog regarding SPS specifically in flordia where many cases have been dismissed and reversed because of SPS ILLEGAL ACTIONS.my next court date is XXXX at 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 2016-06-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My husband and I had been strugglling with finances and made partial payments on our mortgage in the latter part of XXXX. We entered into a HAMP Program late XXXX XXXX early XXXX XXXX and had a temporary status while we paid less each month for three consecutive months which were XXXX XXXX XXXX. This was paid on time each month and them we would be approved. I paid them on time and then in XXXX when selling our house I found these payments were posted as late payments. When I spoke to Nationstar about that they informed me that was the trade off. Please help me get these removed from my credit. I had no idea gong into the HAMP program that this was the way it worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
XXXX years ago, XXXX XXXX XXXX sent me an invitation to take out a no-income, interest only {$100000.00} home equity line of credit. I had just moved into a new home and I had several projects that needed to be completed so I accepted the offer. I used part of the money on the house projects and the other portion of the {$100000.00} I kept as emergency money. 
As it happened, the economy collapsed due to the mismanagement of the XXXX sector and I lost my job. I was thrown into this terrible job market and I could not find work. I used the rest of the home equity line of credit to pay my bills and to not default on my mortgage. I have gone through XXXX lay-offs in the last XXXX years and I have completely exhausted my home equity line of credit and I have been on a forbearance program. 
I am re-employed again with a strong company and I am trying to get back to good financial health. XXXX XXXX XXXX has been great. They gave me time to find a new job before they foreclosed on my house and they have given me a loan modification for which I am truly grateful! However, XXXX/now Quicken Loans asked me to send in a enormous amount of information, but they have done almost nothing to help me cope with the large increase in payments. Previously, I paid XXXX/Quicken Loans approximately {$240.00} a month in interest. After XXXX years, the loan no longer stays as interest only, but converts to a regular loan so my monthly payments went from {$240.00} to {$640.00} and now that my forbearance period is over, they want me to pay {$970.00} a month. The adjustment happened just when I experienced my XXXX lay-off when XXXX XXXX XXXX Mortgage moved all of our XXXX down to their XXXX, NC site. So at this time I have gone through {$30000.00} of my savings and I have exhausted my home equity line of credit. 
I do want to pay back the loan, but I am not making what I once did so I can only afford approximately {$400.00} to {$450.00} a month payment over the life of the loan and I need to be on a fixed interest rate or I could be in trouble if interest rates skyrocket again. 
I believe my $ XXXX {$640.00} payment is totally unaffordable. I thought there was some consumer protection where your loan could not rise so dramatically from {$240.00} to {$970.00}. 
DESIRED RESOLUTION : I do so need your help in working with XXXX/Quicken Loans to find an affordable way to pay back this loan and keep my payments in the {$400.00} to {$450.00} range. Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I attended XXXX College in XXXX Ky, XXXX XXXX ( Closed Now ). I started in XX/XX/XXXX through XX/XX/XXXX. I have already signed up for lawsuit against XXXX College through the Attorney Generals office. They told me to contact your office ... 
After spending 2 years to receive my XXXX Degree in XXXX at XXXX College an after attempting to pass the Certification Test that you must pass to get a job and costing XXXX to do so i did n't pass how amazing considering that XXXX admitted to having teachers teach that where incompetent. My degree is worthless I have lost 2 years of my life for absolutely nothing. My loans are with Navient, Navient sent me a letter XX/XX/XXXX to inform me that I may be eligible for a discharge because XXXX is closed. I sent them all the paperwork I had explained to them how XXXX treated their students, how I did n't think i should have to pay a loan off when the school admitted to having teachers that where incompetent how, XXXX would have XXXX separate classes in XXXX room, i did my internship filing for a company for 90 hrs, never once did any billing or coding, they did n't care, they would keep your money so you would have to buy their books i was lucky enough to be able to rent mine and you would have to ask for your check daily, they tried to make us pay a fee called tuition options an if you did n't pay they would threaten you with having to drop out of school i personally spoke with XXXX XXXX, president of XXXX, about this fee I told him it was illegal what he was doing and I was never contacted again about this so called tuition options fee. And a lot of people paid this not knowing the truth. On XX/XX/XXXX I received an email from a teacher at XXXX letting me know they had extra training classes if I wanted to attend, yeah they could n't teach me right the first time I was n't stupid enough to go back, I figure they offered these because they knew what they had done.. Also they charged me (. cash only ) to test out of a computer class instead of using my loan money. XXXX is horrible and they should have to pay the government back and myself an other student loans should be discharged. Its disgraceful why would the government keep giving money to a school that was being sued??? My XXXX teacher talked about her personal life more then taught. Accounting teacher had her back to our class 95 % of the time..Needless to say Navient denied my discharge due to school closing after lawsuits because of some 120 day period. I hope you can help us all ... I am not in collections or behind on payments as of now. Naient told me i dont have to start paying until XX/XX/XXXX..Hopefully I wont have to

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar Mortgage paid my homeowners twice last year resulting in a {$500.00} per month increase in my total house payment. Several months later, they continue to refuse to correct the mistake, and have now reported me to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I applied for a loan modification over a year ago. I have completed the package three times and sent all require documents requested by the mortgage company. Each time about three months into the process they closed the modification for missing documents. 
They do not response to email, fax, are phone messageXXXX mail. I call they put me on hold for hours then they said call back in 5 days. Over a year it is impossible to get a application in their system. They are raising my payment every six months which raise my payments by XXXX. My loan is current so do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
Because of Obamacare, we were required to sign up for insurance through XXXX with XXXX. While doing so, XXXX somehow had XXXX different files for my family - XXXX with our correct name and SS # s ( which we verified with company as required ) and XXXX with incorrect names with our correct SS # s ( which we did not verify ). We called to have the problem corrected, which our agent assured us the problem was fixed. However, after receiving multiple mailings from the companies to verify incorrect information, and continuing to call them and tell them we are not the XXXX 's, our bank, BBT, allowed XXXX to auto debit our non-profit account for {$430.00} under the false name of XXXX - identities we ca n't verify because WE ARE NOT the XXXX, which is an unauthorized transaction. Upon speaking with the banker, he told me that the only thing I could do was close the account and file fraud charges. Due to this being a non-profit account with automatic daily deposits, we could not do that. He then told me that I could call the company and get my money back. This was XX/XX/2016. My bank statements show the correct amount of {$97.00} being automatically drafted from our account EVERY month under our correct name - and yet, the banker would not refund our money, in fact, were charged over draft fees on top of the theft from XXXX. I called all XXXX companies on XX/XX/2016 around XXXX. I was told what I mentioned above by the banker on that day, and was told by XXXX that they corrected the problem with the duplicate files and that XXXX will have to refund our money. XXXX said that it would be 30 days before I would hear if we were going to be able to get our money back. 1 ) our money was stolen ; 2 ) we have proven that we are not the XXXX ; 3 ) it is XX/XX/XXXX - 60 days later, and we 1 ) still do n't have our money back, 2 ) still have n't heard anything from anyone, and 3 ) are still receiving mail from XXXX in the incorrect names. I was told by my corporation 's treasurer, who is the VP in the fraud department at a different bank, that my bank could have refunded my money and made XXXX prove that the {$430.00} transaction was justified - meaning that they had proof that we are the 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 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
I called in my monthly payment and went through the menu to start up monthly withdrawls from my account. I got through it and listed the next payment was to come out on XX/XX/XXXX. XXXX days later they took another payment (unauthorized) from my account and bounced my checking account by $XXXX. I've called and talked to them about it, sent back statements  show that XXXX payments were taken out. Now they're telling me that I called in an emergency payment, which I didn't do, and are now trying to lie and say that I made a payment online, which I have never done, never even set up an online account. This company wrongly took money from us, screwed our account so badly that we had to cancel a mini vacation we had planned to take with our children bc of all the missing money and they keep floundering in their attempts to tell me that I made XXXX payments in one month of my own free will, which is so stupid it's almost laughable. On top of that, they tell me that the automated payments that I set up were not in place so while I was thinking that the payments were coming out, I'd be getting late charges added to my account, which is how this company operates anyway. This isn't the XXXX time that they've messed with our lives. Last year I got a foreclosure  notice saying that I missed XXXX payments which was untrue, but when I called the XXXX number to find out what exactly was going on, they told me that every payment was accounted for and that they had no idea why I was receiving foreclosure notices. But they charged me late payments and told me that they had only recently "found" my payments within their company. That makes everything their fault but I had no recourse to try to fight this. I'm told that I own $XXXX in late fees for XXXX late payments, which were not late. They've shot our credit w their bogus XXXX late payments and so now we can't refinance w another company and get out from under these thieves. They've been known to not process a payment, which means that they claim late fees for months before you even know it. This happened to us a few years ago. We've lost XXXX to this company when an honest agreement was reached by XXXX us, but honest money isn't good enough for them. They want to suck late fees and anything else they can get out of you. They need shut down.

Company response to consumer: Closed with explanation