vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I contacted nationstar in XXXX 2013 about my XX/XX/XXXX payment. I asked if there were any programs I can use for my payment. My son was starting college and he had several fees and charges popping up and I was n't sure how many more were coming. I was advised that I could n't move my XX/XX/XXXX payment to the end of my loan cycle but I could make my XX/XX/XXXX payment over the next four months in equal payments. I made it clear that I could make my XX/XX/XXXX payment and I did n't know if they had programs for college families. It was offered to me as a payment option and not ever was I told it would show up on my credit report as MISSED payments ( three in total ). I did n't pay XX/XX/XXXX as agreed and paid extra over the next four months. I found through XXXX XXXX that I had three missed payments in 2013. I called Nationstar and was told why it reports that way and if I asked the question would it hurt my credit they would have told so. So it was my fault that I didnt ask the right question. I am not happy. I would have made my payment and if needed borrowed money from my XXXXK. The sad part is no more fees came up for my son and this was all for nothing. I thought it was so awesome that this company had so many ways of providing customer service through payment options. I feel frustrated and am thinking of taking my account to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: 2233 Paradise Road LLC
State: TX

Complaint narrative:
Outline of Occurrences : On XXXX/XXXX/2016, I reached out to Cash Factory USA and advised that due to the holiday my funds would not be available on XXXX/XXXX/2016. I advised that I would need the funds owed to transact on XXXX/XXXX/2016 opposed to XXXX/XXXX/2016. After, speaking with numerous agents and managers this variance was approved. On XXXX/XXXX/2016, I received a notification from my Bank advising that said company recovered a lesser fee. I received a " Docu-sign '' email later on XXXX/XXXX/2016 in regards to refinancing of my account that had to be electronically signed and delivered by law. I never spoke with anyone in regards to refinancing this account ; just to have the transaction withdrawn on a later date of XXXX/XXXX/2016 for the full payment. The refinance documents advise of the Credit Access Business Agreement ( CAB ) fee that is indicative of refinancing. A refinance can only be administered upon completion of information and documentations required by the lender to refinance a loan. This documentation was never completed, due to never being discussed. However, a refinance of the account was completed without legal documentation required by the said company governing body ( Texas office of the consumer credit commissioner under chapter 393 ) or the Texas Finance Code in connection with my state of residence ( TX ). On XXXX/XXXX/2016 the said company reentered my account and retracted a larger amount that they were not authorized, too. 
Emails from the said company managers to substantiate and emails that were sent after the refinance fee was retracted advising had n't been signed/ completed and needed my signature. 

Offenses indicated below : 1. ( CAB ) Refinance fee deducted from my personal account 2. Disclosure date for Refinance agreement sent on XXXX/XXXX/2016 3. No signed agreement obtained from said customer to refinance account 4. Attempted to collect wrong amount

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
This is the second time that Nationstar Mortgage has charged me for an Escrow Advance and my loan is not escrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
They took my money via wire transfer and promised a recast of my mortgage and did not do what they said they were going to do. It has been 3 months of fighting with them to correct the new payment amount. They lie, say there is no recast department however their forms sent on their letterhead states Att : Recast ; they say they never received the forms, I sent the tracking slip from the post office showing they received it ; they state they never received my emails but when I log into THEIR online messaging system it shows all of my emails to them along with their generic auto response : Thank you for contacting Nationstar a customer service representative will contact you '' which they never do!. They drop my calls and refuse to help, they are predatory lenders. To date, I have spent several hours on the phone with them as well as faxing and emailing them with no response or help whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar Mortgage , LLC had one of their own employees execute an assignment of mortgage on XX/XX/2016 under the false pretense of being an employee of XXXX. Nationstar Mortgage , LLC employee XXXX executed a " Corporate Assignment of Mortgage '' and claims to be the " assistant secretary '' of XXXX XXXX is NOT an employee of XXXX and DOES NOT have the authority to execute a Corporate assignment of mortgage where XXXX is the assignor and Nationstar Mortgage , LLC is the assignee. There is NO corporate seal on this assignment and there is no President, Vice President or executive chief signature. There is no witness signature. Both XXXX and the notary XXXX have comitted fraud by the execution of this assignment of mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
I have been negotiating this short sale for years, and it goes in a vicious circle of needing documents, submitting docs, extending the law day, repeat, repeat, repeat. I submitted a complaint in XXXX 2016, # XXXX, but the short sale still has not been approved. I work with all lenders, negotiating short sales, and this lender is hands-down the worst.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
XXXX XXXX, 2015 I contacted my mortgage company Nationstar to see if I had time to complete a Modificatin package on my home. I was advised yes I had to send in before XXXX XXXX, 2015. My home was in XXXX and I was XXXX at the time I traveled the next day back to the hose and contacts XXXX Neighborehood housing forclosure department to assist me with the paperwork. I complete a package with ther facility and the papers were faxed XXXX XXXX XXXX via XXXX, on XXXX XXXX, 2015 per. Call to Mortgage company rep confirmed my paperwork was. In and possibly on doc missing she XXXX and this was sent via fax on XXXX XXXX, 2015. The XXXX and my self have sent monthly bank statment and weekly check stubs from my employer. On XXXX XXXX, 2015 my representative at Nationstar advised XXXX at XXXX the sale went forth on XXXX XXXX, 2015 after we were advised The sale of the property had been postponed. Each week I call leave a voice mail with my point of contact who has not returned XXXX voice mail from me. XXXX XXXX my representative on my account spoke to XXXX at XXXX and advised the sale of the house went forth on XXXX XXXX, 2015 and advised my paperwork had been submitted late. All this time we have called and each week advised it under " review ''. I have not had documents mailed to me on this status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I am XXXX and fell behind on a few mortgage payments. I was able to make a large payment of XXXX dollars. Nationstar returned the check I sent. Nationstar informed me that I need to send XXXX in order to stay livi g in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
This complaint is in reference to case number XXXX. The Trustee for Nationstar Mortgage XXXX And XXXX XXXX, has made the sale of my house public. The publications from XXXX different Attorney are attached for your perusal. I called Nationstar Mortgage yesterday, XXXX XXXX, 2015 and I was told that my HAMP Loan Modification is under review. The lady I spoke with, XXXX XXXX also acknowledge receipt of the XXXX page documents I faxed to Nationstar. These documents were asked for by Nationstar in order to proceed with my HAMP Loan Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I rescinded a loan " modification '' that was done by XXXX XXXX that was really a cashout refinance, because XXXX paid off my former first mortgage that was with XXXX XXXX without my knowledge or consent, and included these funds in the modification without disclosing it in any way. The loan has since been transferred to Select Portfolio Services, and I have filed numerous complaints against SPS, as well as a complaint against XXXX, which has not been answered yet. The modification was done in XX/XX/XXXX, which is well within the 3 year recision time allowed since there was no documentation of the additional funds ( no XXXX Statement or anything ) and no right of rescision given to me since it was a cashout refinance and not a straight modification, and I sent notice of rescision on XX/XX/XXXX. 
SPS refused to rescind the loan claiming there was no record of XXXX being paid off. 
I have ordered a copy of the wire transfer from XXXX to XXXX, which I will forward to the CFPB as soon as I receive it, as well as the payoff letter with XXXX 's fax number on it. The payoff request was done by phone on XXXX 's automated system, or I would also get a copy of the payoff request. 
SPS has done no research into the payoff to XXXX, which they should have full access to as the servicer of the loan, but has only kept claiming that there were no funds to 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 2015-09-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am under a unlawful, deceptive, and discriminatory foreclosure practices and the company SELECT PORTFOLIO SERVICING INC . 

the system is not taking any attachments at all & gt ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
Nationstar Mortgage raised our monthly payment $ XXXX/mo. 
Our mortgage insurance was due to drop off XX/XX/2016. Instead of lowering our payment they jacked it up with the intent to force us into a refinance situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: TN

Complaint narrative:
I tried to open a online savings account with them this year. They keep denying me an account. I gave them all the right information. I used to own a online account with them. I 'm not sure why they wo n't let me have this savings account. They once told me a the local branch I have to have both a checking and savings account. That stinks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX, I was denied a line of credit with BB & T. As of XXXX/XXXX/2016, I still have not received an adverse action letter in violation of the FCRA. 
After the denial I discovered that my application was intentionally falsified by XXXX XXXX XXXX. 
As a result of the falsified application XXXX XXXX, processed another application and included the assets that XXXX XXXX XXXX did not include. XXXX assured me that there would be no additional inquires because the prior application was recent ; however, there was an additional inquiry which I did not consent to. This violates FCRA. 
I was informed this application was denied on XXXX XXXX, 2016. As of XXXX/XXXX/2016, I still have not received an adverse action letter in violation of the FCRA. 
Additionally the minimum line for the product was XXXX. My liquid assets totaled a little under XXXX. After the denial XXXX stated specifically " BB & T likes to see liquid assets match dollar for dollar ''. 
If this is true why would this not be disclosed so that I would not waste my time if the minimum line of credit is XXXX and BB & T want applicants to match liquid assets dollar for dollar knowing my liquid assets only totaled under XXXX? 
It is my position that both inquiries should be removed because there was no business necessity to obtain a credit report when it was known I did not qualify because of a lack of liquid assets. 
Also, both adverse action letters should be provided to me immediately.

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 2015-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bilateral Credit Corp, LLC
State: WI

Complaint narrative:
There was a reported debt on my credit report marked as derigatory from a credit collection agency which came from my previous company XXXX. I have no idea on this debt as I already left the company XXXX 2013. I have all the clearance from XXXX and I dont know of any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
Debt collector has left several messages on a work phone which " does not state my name. '' The debt collector from phone number XXXX XXXX XXXX XXXX leave a message stating " this is a message for XXXX in response to debt matter, if this is not XXXX please hang up in XXXX second '' ... then she proceeds to say this in an attempt to collect a debt and states several other things. This is a clear violation of my privacy and personal information and I want it stop now.

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 2016-10-05 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Turning Point Solutions LLC
State: MD

Complaint narrative:
I attended a college in XXXX, XXXX in XXXX, Florida where I attempted a certificate in XXXX. The school was closed by either the Feds or Florida because of its unscrupulousness with students. As a result i am currently paying back my federal student loans, but i have been recently hounded by a private company requesting to pay XXXX dollar private loan that was taken out by XXXX enterprise in my name. I did not sign a promissory note about the private loan. and it was be foolish to take out a private loan when I am afforded opportunities to pay for my education with subsidize and unsubsidized student loans. I would like the harassment to stop. Additionally, the company can not provide me with any information regarding the loan and neither can they tell what my rights and responsibilities as laid by the law with loan collection. Please address immediately. Thank you

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 2016-10-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ORG GC GP BUYER, LLC
State: WI

Complaint narrative:
After receiving a notice in the mail on XX/XX/2016 from GC Services I made a contact call to XXXX. I received a return message to contact the agency at XXXX. The person who took my call proceeded to collect personal information from me regarding who I work for, who I bank with and my martial status. I did not understand why this was needed. I did n't understand why I 'm being contacted by this agency regarding taxes that were already paid to the City of XXXX. The caller proceeded to tell me that I needed to mail GC Services at XXXX XXXX XXXX, XXXX TX XXXX and send them copies of my cashed check, XXXX. I do n't understand why I needed to mail private financial information to an agency when all I 'm trying to understand if I owe this debt. I was not polite during this phone call. On XX/XX/2016 I mailed an official notice to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
A company calling themselves GC Services is calling my telephone number XXXX attempting to collect a debt that does not belong to me. I have told them before to not call my number, but they wait a few months and resume their harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I have no idea what to check ..I paid GC services and they havnt callled XXXX court to release the hold on my license so I may go back to work. I paid them XX/XX/XXXX..they said 10 working days.It 's been passed that and I 'm still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 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: Rauch-Milliken International, Inc.
State: IL

Complaint narrative:
I was fraudulently charged a service fee for XXXX for my restaurant business. I never agreed to sign up or be charged. The rep from the company spoke to the front cashier who has no ownership and told them to sign up. They called me and I said do not sign up for anything. The rep still signed us up and sent my restaurant a bill. The rep does n't have my name on the bill but part time workers who he spoke to and has the business name wrong. I called XXXX and they said the employees agreed so I have to pay. Now it is with a collection agency who sent the letter to XXXX of my employees saying they would be seizing bank accounts. Rauch Milliken International is the collection agency. I spoke to them and explained to them what happened. They do not know who I am or the correct business name, but they are sending it to a lawyer to seize assets. Their phone number is XXXX ext XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX my house was broken into and my personal checks and security card and old drivers license was stolen. have submitted documentation to XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX I submitted documentation to the collection agency and also submitted a dispute with XXXX credit bureau. XXXX XXXX responded back to the credit bureau indicating that my address and name match their records, however, they have NOT responded back to me with any status at all. I understand that my name and address match their records but I am a victim of Identity theft and that 's why I sent their company a copy of my police report, XXXX and also my drivers license. As of today, which is XXXX XXXX I have not received a response from the company and I would like to have this Collection Account removed from my credit report with XXXX credit bureau immediately.

Company response to consumer: Closed with explanation