vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
I have received numerous letters requesting payment for an XXXX XXXX XXXX bill that is overdue. However, I have never received any such bill from XXXX XXXX XXXX. When I called to discuss the matter, I confirmed all the information on the " letter '' they sent me but would not give any other personal information. When I refused to give information that was not on the letter the company sent, the call was terminated by the customer service rep.

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 2016-02-12 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
XXXX, XXXX & XXXX, XXXX, NATIONSTAR, XXXX AND NOW XXXX IS TRYING TO COLLECT A DEBT NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
[ Case number : XXXX ] The company responded to my complaint and the result was unsatisfactory. BB & t hired XXXX which is a collecting agency once the car was taken away.The vehicle was sold at an uction. Yet, the company has chosen to seek garnishment for wages which exceeds the deficiency amount. They are seeking the originating loan amount instead. 

As stated : I defaulted on your payment schedule and the vehicle was repossessed on XXXX XXXX, XXXX. The vehicle was sold on XXXX XXXX, XXXX. BB & T attempted to collect the deficiency balance of {$10000.00} but was unsuccessful in obtaining a repayment agreement. BB & T assigned the account to the attorney firm of XXXX XXXX XXXX to obtain a judgment against you. BB & T obtained a judgment on XXXX XXXX, XXXX in the amount of {$10000.00} with an interest rate at 10.99 % from XXXX XXXX, XXXX until paid, cost of {$51.00} and attorney fees of {$2500.00}. 

First it is immoral and unethical to charge someone interest on a deficiency amount. This could be illegal. Second, the only amount I should owe is what the deficiency amount was after the sale. Third, how is a company allowed to take your vehicle for nonpayment, resell it, charge interest and then try to garnish wages for the original amount of the loan??? this has to be illegal!

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 2016-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Mortgage company mistakenly tagged my account to a " Promotion '' that I did n't initiate nor did I approve. The " Promotion '' changed the terms of my mortgage contract which inadvertently increased my monthly payment. I 've made several attempts over a 6 month period to get the issue resolved. Unfortunately, the mortgage company has spun me into a bureaucratic circle repeatedly and the issue still is n't resolved. The mortgage companies failure to resolve the issue in a timely manner led to another series of events and issues with the main issue being that Escrow was added, home owners insurance was added and taxes were added. These are items that I 've historically took care of myself from separate accounts that are detached from my mortgage for the last 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc.
State: NY

Complaint narrative:
For the last seven years I was in foster care. Last summer at XXXX years old I signed myself out and was forced to stay with my estranged father and stepmother. This was out of financial necessity. I was told that we were going to XXXX store for a family plan. I assumed that it would be in either my father or my stepmothers name. When signing the contract for XXXX I was told that it was for just my phone. Instead I was signing a contract for XXXX smart phones. I did not realize this until about a month later when I got the bill. Any attempts that I made to rectify the situation failed. The other people in the contract refused to help pay the debt and let their phones default. I was nave and had no idea how to fix the situation. I did not want to ruin my credit so I called XXXX and made payment arrangements for a bill over {$2000.00}. I recently lost my job and was unable to make a payment and XXXX sent my account into collections. XXXX refused to negotiate and I do not feel that is my responsibility to pay the full debt. I feel that XXXX was negligent in that the XXXX representative at the store did not explain to me what I was signing and did not contradict what my father had told me. I feel that I was taking advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Around XX/XX/2017, a company quicken loans called me to offer a cash out service. 
I spoke with their representative and during his conversation he ran my credit report without my permission. I was shocked when he told me what is my credit report. 
I asked him if he ran my credit report and he said yes. I told him that I did not authorized him to do it. I explained him that he supposed to ask my permission first and then if I authorize, then I would allow him. he started mumbling and excusing the reasons he ran the report. I asked for a supervisor and spoke with XXXX. I explained him that it should not be that way and I would like to ask to remove my credit report. he checked the voice conversation and promised to correct that. he did not get back to me on a solution so far. at this point, I spoke with their corporate office as well and they were not willing to remove the credit report they ran without my permission. The rep never asked me if he is allowed to run my credit report and the managers stated that the rep ran the credit report while he stated that he is going to do that. I disagree on it and I still need them to cancel the report they ran on me. please your assistance on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
We refinanced our mortgage in XX/XX/XXXX. We are just finding out NOW, 14 years ago, that satisfication of mortgage was never recorded at the county. It seemed very strange that we had refinanced XXXX times since XX/XX/XXXX with XXXX XXXX, but apparently this was missed - THREE times. After speaking to XXXX XXXX to ask why a title search was never done, they said that is the title companies responsibility ( which seems rather puzzling thinking this is what we paid closing costs to have the confidence that the tiltle had been searched ). 
The servicing company that we had previously was called XXXX XXXX. It took me months to go back 14 years ago to find this information. Would have been a lot easier to track a year later when refinanced in XXXX. XXXX XXXX is out of business and merged with a company called XXXX XXXX XXXX. XXXX XXXX XXXX changed its name to Seleect Portifolio Servicing. This company ( Select Portifolio Servicing ) is who we have been trying to get this satisfaction of mortgage from. Even though this shows paid in full on XX/XX/XXXX on our account - no one seems to be moving on this, calls me back, etc. even though I have requested escalated status and call several times a day ( several supervisors who never call me back ). We want to take out a small home improvement loan and we are not able to do this since this lien still shows on our title. It has been a nightmare dealing with this for the last two months. Is there a law in MN that this needs to be released in 60/90 days. We are at 14 years and STILL waiting. 
Please help ... ..thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
To Whom This May Concern, I am a resident of California and a XXXX American Veteran. I am requesting your urgent assistance with a problem I am experiencing with the U.S Department of Housing and Urban Development ( HUD ). I currently have an FHA loan on my home. Due to personal hardship following a job loss, I requested a payment modification with my mortgage company ( Nationstar ). I was granted the modification. I soon decided the only long term option I had was to sell my home. I put my house on the market and soon entered into Escrow with a buyer. During the title search I learned that there was a {$25000.00} lien or second mortgage put on my home by HUD which was part of the payment modification that I knew nothing about. Nationstar doesnt have a record of any of this either. Now I am waiting on the state ( HUD ) to provide some type of information so that I may proceed with the sale of my home. HUD has provided zero proof or information regarding this lien and am just getting the runaround when contacting them. I have been waiting for 2 months now, and time is not on my side. This is going to cost me my home if the state does n't provide something so I can sell the house with a clean title, payoff my mortgage company and attempt to rebuild my life. I 'm not asking for a handout or for any waiving of money that I actually owe, I 'm asking for your help in getting this cleared up or at least some explanation from HUD. Thank you for your time and assistance in this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX BB & T ran a hard inquiry on me when I was trying to open an business checking account under my XXXX XXXX and I gave them my tax id number. Now I have a hard inquiry on my credit report.

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 2016-09-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NM

Complaint narrative:
I was behind one month ( actually 15 days ) on my mortgage and was working to catch up that 15 days. My mortgage company SPS sent out some one twice to see if I was still living at my home ( cost XXXX a visit ) and sent letters threatening foreclosure and short sale over only being officially one month behind. This is a loan owned by XXXX XXXX XXXX. My XXXX was behind an equal amount of time but owned by a different resource and I received no such letters or threats. I see this as bullying and fee gouging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2016, Nationstar updated loan XXXX status to BANK ADJUSTMENT/DEED IN LIEU//BANK LIQUIDATION. 

This credit line should be deleted, the aforementioned update does not delete it. I have not been apprised of any change to validate this change

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: MO

Complaint narrative:
We appreciate your help with this matter. The bank involved is BB & T branch located at XXXX Ky. XXXX. We have a business check card connected with the account. We went over the amount of funds in the account. The amount that was overdrawn was {$8.00}. 
There is no overdraft protection associated with the account. We feel that since the business check card is a visa, they should be able to not allow the card to be used and go over the amount of funds in the account. BB & T bank continues to add fees to the {$8.00}. 
As of XXXX/XXXX/16 the amount of fees added is {$220.00}.! We emailed BB & T bank to request closing the account and that we would send them the overdrawn amount of {$8.00}. They replied that we could not close the account until we went to the branch in person to do so. We sent another email explaining that we had moved out of state, and that it would not be possible to go to the bank in person. In the meantime BB & T bank continues to add their fees. We hope that you may be able to help us and that they will change their business check card policy.

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 2016-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Processing has been requested to complete a subordination agreement by XXXX. The first request was made around XXXX XXXX. To date, XXXX XXXX, the request has not been completed, after almost 60 days. Additionally, there is no timeline for completion. I was told today that some requests take 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
We were foreclosed on by NationStar Mortgage last XX/XX/XXXX. We were denied our due process rights by them. We were in a loan modification process with them when I was told that we had been denied. NationStar told us not to make any payments during this time frame as it would only XXXX up the process and would take more time to complete. I called Take XXXX XXXX, a credit counseling company, that I had been working with and asked, " What do we do now? '' They said not to worry, the state of Arizona has a program for this scenario where they make up the past due amount and the loan resumes as if nothing had happened. We just needed something in writing from NationStar stating we had been denied. 

I continued to call them every week to check the status of our property and the notification of the denial and to see if a sale date had been set yet. I kept getting told that things were " On hold. '' In XX/XX/XXXX a woman came to our front door and said she was the new owner of our house. This came out of the blue with no notification at all. If we had received something in writing this would have all been averted. We never received a thing in writing from them. We were evicted!!! 

I am realtor and just found out about your agency in a continuing education class this past week. Please help us, ASAP!! We are now in a rental and our landlords are also mortgaged with NationStar, they are in an interest only loan and want to refinance it at current interest rates but are being denied that option. Our landlords have told us they need to have something setup by the end of XXXX to allow us to stay here. I was recently hospitalized for XXXX, XXXX and a XXXX. I was involved in a XXXX car crash on the freeway shortly thereafter and have been under the care of a XXXX for XXXX and XXXX. Any move in the future would simply kill both of us. I am XXXX and my wife is XXXX. 

We had owned the property in XXXX for 20 years. It was always kept in pristine condition and that is same way we are taking care of this home now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: MI

Complaint narrative:
I had a loan with Regional Acceptance for an auto. On XXXX I filed for bankruptcy. This account has been reported delinquent since XXXX. I have contacted the bank by phone and they directed me to put it in writing. I put my concerns in writing and heard nothing. I then did a follow up phone call and was told to put in writing again. Which I again have done. My account is being reported as a charge off when it was n't a charge off at all it was a bankruptcy. It is also being reported as follows : XXXX reports account opened XXXX/XXXX/XXXX. balance XXXX. Last updated XXXX/XXXX/XXXX. Last payment made XXXX/XXXX/XXXX and account closed XXXX/XXXX/XXXX. How can I make a payment in XXXX and the account close in XXXX? Also no report of late payment from XXXX to present. Regional acceptance reports to XXXX the following. Date opened XXXX/XXXX/XXXX. Last reported XXXX/XXXX/XXXX. Included in bankruptcy. First major delinquency report XXXX. Months reviewed XXXX. First delinquency XXXX. XXXX reports the following from Regional Acceptance. Date opened XXXX. Reported since XXXX. Date of status XXXX. 60 months XXXX payment. balance as of XXXX is XXXX. Shows payment history with 30 day late being XXXX. Regional acceptance is reporting whatever it wants to report and not verifying the information. I have disputed with credit bureaus who do not do thorough investigation and only update information provided by regional acceptance. I have also phoned and written Regional Acceptance and nothing is being resolved. They are also reporting as a charge off. So basically the account is over 7 years delinquent, included in bankruptcy and a charge off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Filing this complaint against US Bank N.A. in particular XXXX XXXX XXXX Corporate Trust Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX who responded to the XX/XX/XXXX request to address the notice of rescission originally filed with them XXXX XXXX. It appears US Bank N.A. ( Bank ) is assisting XXXX XXXX XXXX , XXXX ( XXXX ) in falsely reporting US Bank as a Trustee for a trust that allegedly is in possession of a note and mortgage on my property XXXX XXXX XXXX XXXX, XXXX XXXX ( the property ). XXXX alleged account # XXXX. 
XXXX XXXX certifies that there is a note and mortgage on said property owned by the trust they represent and that XXXX is their servicer for said note/mortgage. For over 5 years numerous request were made to the Bank to verify their status and verify the status of XXXX. All requests were ignored by failing to provide any responses to our numerous legitimate inquiries. Requests were made to the Office of the Comptroller Currency ( OCC ) to assist us in this matter. They too failed to properly address my concerns. I believe without proof of ownership of an alleged note/mortgage any reference to it should be considered false and invalid. In addition the Bank failed to provide proof of the servicing rights of an alleged mortgage/note that assists XXXX in committing an illicit act and the Bank should be held culpable for their participation in a possible fraudulent action. 
I believe the Bank is falsely reporting a note/mortgage in their possession because XXXX XXXX the owner of said trust ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) filed a notice of a XXXX with the Security and Exchange Commission ( SEC ) in XX/XX/XXXX notifying the SEC they would not be filing any further reports on the trust as of the date of notice. Additionally XXXX XXXX XXXX who brought the rights to manage the trust in XX/XX/XXXX filed a report that the trust was void of any notes/mortgages. Additionally a fraudulent notice of assignment transacted on XX/XX/XXXX was filed with the XXXX registers office. Attached copy of said assignment identifies the numerous errors that certified this document as false and invalid. 
For the reasons stated above I believe the Bank should be held culpable for assisting XXXX in committing any possible illicit actions in this matter. An additional complaint will be filed against XXXX for their newest violations of the FDCPA and the FCRA. 
Thank YouXXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been trying for last 3 years to get a loan modification from Select Portforlio. They have not helped me and set a foreclosure sale date on my home for XXXX/XXXX/2015

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