vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was given a cashier check No, XXXX issued by US Bank on XX/XX/XXXX. The Purpose/Remitter : XXXX issued per notation on the check at XXXX XXXX, in XXXX, KS. 
Around XXXX on XX/XX/XXXX I went to the US Bank Branch on XXXX, XXXX, MO XXXX to cash it. Teller XXXX Ask for my ID. I gave her my driver 's license She asked to install my thumb print on the check. Then she said it cost me {$7.00} Fee to cash the Cashier 's check that was issue by their own bank in different branch. I asked to see the manager XXXX. She also demanded that I pay {$7.00} fee. I told her that her bank already charged {$7.00} to issue the check and the Bank already had the money in their possession and use for three days, yet they try to charge another fee to give it back. She rudely told me that that is the way it is and tried to get me open an account with the Bank. I took the check to another Branch of the US Bank on XXXX in XXXX MO. The same story, XXXX, Assistant Vice President, also demanded that I pay {$7.00} to cash the banks own Cashier 's Check. He added that this is the bank policy and showed me their policy and said all other banks are doing it. This policy, if truly permitted, is Price Gouging, The banks are ripping off the public by charging them twice for the same transaction. Is it true that the banks have the prerogative to charge public any fee they want without a government supervision and control?

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 2017-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AR

Complaint narrative:
My property was sold but I was no sent a letter. I spoke to someone and was advised the sale date was XX/XX/2017 however the property was sold on XX/XX/2017. I had submitted my file for modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
After my Loan was purchased from Nation-star they preceded to say that I needed flood insurance however I am not I provided survey. Two months go by and collection calls come in after many phone hours trying to get to the bottom of this they needed a Map Addendum which I then provided. Another 2 months go by no adjustment to the records. Charging me late charges and reporting to credit bureau that Im late on payments when I still continued to pay my monthly mortgage on time. Finally after numerous calls the insurance is fixed and removed from my loan. Now they are saying that I am behind a payment. How is that when I provided all the documents to show actually an extra payment is in. They continue to send people out to take pictures of my home and charge fees to me even tho i have told them I occupy the property. The credit bureau reporting in accurate information is very concerning as I cant refinance or get the pmi off of my loan as it looks like i am behind and i am not. I have plenty of documentation, emails and voice messages to substantiate my claims. I have spent countless hours on the phone thru emails etc and nothing has helped. I am a single mother and my home is important to myself and my children this situation is very sad. I 've seen Nation star foreclose on properties because of the same lack of communication. Please Advise Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BB&T CORPORATION
State: GA

Complaint narrative:
Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX XXXX in XXXX Georgia Regional Acceptance Corporation XXXX XXXX GA XXXX : Acct # XXXX ( original creditor ) Re : Acct # XXXX ( collection agency ) Make of car : XXXX XXXX XXXX : XXXX XXXX # XXXX To Whom It May Concern : I am writing in regard to the above referenced accounts and transactions. 
This vehicle was repossessed by Regional Acceptance Corporation in the State of Georgia on or about, XXXX/XXXX/XXXX, and reposed and brought to XXXX XXXX. When I called to speak to a representative at XXXX XXXX I was told that I had to provide information and the lender which is Regional Acceptance will provide me with that information. I then call back and was given the VIN number to use to find where the car was repossed. I then called back to the company provided information and was told their hours are until XXXX XXXX. Tuesday I called spoke to a rep and was told that the fee is based on the lender this was from XXXX XXXX. Called spoke to XXXX and was told to call her back to discuss the information about the car she is the supervisor over my account. When I called back to get the total amount due because I had to take a loan I was told that because the company was closed Saturday and Sunday they would not charge. However Monday XXXX/XXXX/XXXX the car is still at XXXX XXXX and now they require XXXX dollars and they close at XXXX XXXX and the car was not released until XXXX XXXX. 

Sincerely, XXXX 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 2016-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
XX/XX/2016 I decided to switch my homeowners insurance to XXXX XXXX. but after a couple of days literally I decided to stay with my old one because I found out that XXXX was higher. I notified nation star mortgage I told them I would mail the Insurance check back to them, which I did. My complaint is that I mailed the check back to them with a letter followed by XXXX phone calls stating to please put it back in my escrow account. When I called they told me it was in my account. When I called in XX/XX/XXXX my mortage payment had increased from XXXX to XXXX. I was very angry. They told me that they paid for XX/XX/XXXX and XX/XX/XXXX mortgage, I asked them Why? I had already paid it! look on your records '' They had taken the escrow check and used it for XXXX payments when they did not have too. When I asked them Why was n't I notified the gentleman told me he did have to it is called Hierarchy '' I told him that 's crazy and I am not stupid! I had to call up to the corporate office 3 months later to get my money put into my escrow. then it went down to XXXX and I called and asked why is it still high? they told me that I had to request a market analysis done..which is still high XXXX. My complaint is that I did have a decent credit score until this happen now my mortgage has a series of late payments which is due to their neglect and their ability to not put my money in my escrow account, along with the fact that they lied over and over telling me it was put in their and then not notifying me about the increase. 
when it was not and then telling me about the nonsense of " hierarchy ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
I receive solicitation calls from NationStar, my mortgage lender since XX/XX/2009. The calls go like this : " This is NationStar. This is a recorded line. NationStar sometimes acts as a debt collector. This is a courtesy call for XX/XX/XXXX. Your mortgage is {$2200.00}. Are you aware that it is due on XX/XX/XXXX? Do you have this set up on Bill pay using the grace period? To cut down on my courtesy call volume, please tell me if you are going to continue to pay using the grace period. Your account is now coded-out to pay by the grace period '' WHAT IS THIS ALL ABOUT?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I am trying to settle the estate but the mortgage company will only communicate with the attorney. I have not received a statement in two years. I have called and written many letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XXXX XXXX reached out to our office with concerns regarding an upcoming foreclosure auction and her attempt to work with her servicer ( SPS ) on a pre-foreclosure retention option or liquidation. XXXX is experiencing a valid hardship and has suffered a severe reduction in income. The property is still owner occupied and has been maintained. Upon speaking with SPS, they are unwilling to postpone the upcoming auction so that XXXX can complete a HAFA short sale. The property has been listed and with a recent price reduction, we are expecting an offer. We feel XXXX should be given a fair chance at completing a pre-foreclosure sale and we are asking that SPS give her more time on the review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
It has come to my attention that Nationstar Mortgage will duck and dodge additional principal payments. 
I have made additional payments towards principal which were auto canceled without any notification. My account is in good standing and I have never been late. I have screen shots of the payment confirmation and I can prove the payment was not deducted from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XX/XX/2014 I was approved for a FHA XXXX modification and a KEEP YOUR HOME CALIFORNIA REISTATEMENT GRANT. I was sent a copy of the approval, monthly payments that I would be making, interest of 43/4 and was waiting to receive the loan docs. On XX/XX/2014 I had already made two trial payments and was informed by the loan servicer that my loan docs were sent to me by mail, I also received a phone message that my KYHC file was being closed because my loan servicer had opted out of giving me a loan modification because I had not provided them a document that had been requested and I no longer had a loan modification. I contacted my loan servicer and was assured that I no document was missing and my loan modification was secure and that KYHC had opted out and would not be offering any financial assistance to reinstate my loan. I tried to explain to KYHC that I did have a loan modification but KYHC refused to contact my loan servicer and sent me an email that when I start making more money I could reapply for assistance. This information was false, once my loan modification docs are signed KYHC will not offer a home owner assistance. I recently filed a complaint against KEEP YOUR HOME CALIFORNIA with the California XXXX and again I questioned my loan servicer who still maintains that they did not opt out of accepting financial assistance.. KEEP YOUR HOME CALIFORNIA addressed my claim but the story has changed slightly. They maintain that an opt-out document was received from my sevicer and that an opt out can be decided for no reason or any reason. I want to also state in my claim that my loan servicer treated me just as bad. A {$35000.00} balloon payment was never stated or was addressed when I received the preliminary approval for the FHA HAMP loan .I wanted the fees explained and asked why this was never mentioned. My loan servicer refuse to discuss the balloon payment or itemize the amount I was being charged. A debt counsler that I had been assigned to called my loan servicer and a three way conversation was held. The request again was made to itemize the {$35000.00} and the servicer agreed. I was then told that the late payments added up to {$22000.00} which I already knew and that the rest were fees. I got nothing. I than received a letter from my loan servicer that due to my inquiry an adjusted fee was discovered and now my balloon would be {$37000.00}. New loan docs were mailed to be signed and notarized again. Also, soon after my first mortgage payment I was informed that my new payment would now be {$79.00} more due to a rise in taxes. My loan servicer decided the value of my home would jump from {$140000.00} to {$190000.00} and was well aware that my taxes had been hiked. So you see I have been treated very bad and both of these agency are pointing the finger at each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Nationstar took XXXX as part of my last loan modification agreement and held it in an escrow account. I paid the remainder of my XXXX house payment of XXXX plus dollars and the amount added up to the total XXXX house payment. NationStar never advised me that the XXXX was going to be held in an escrow account and they refuse to use these monies for my house payment. XXXX persons I had spoken with during the month of XXXX noted to me that these monies would go to my house payment. I called them again today, XXXX XXXX, 2015 and was told these monies have been denied to go to my payment. I can not have mark on my credit file due to their dishonestly. They are stated they have the XXXX in a suspense account and the remainder of the house payment is in an escrow account because " they did n't know where else to put it ''. The loan modification process is also awful. Their customer service is awful and they have many persons in their customer service that refuse to give direct phone numbers to a manager. It took me over XXXX hour on the phone to speak with someone in another department and he spent another XXXX hour with me on the phone. At the end, he said I need to call back to their " loss mitigation department '' I know NationStar received federal $ $ for assisting with the housing crisis. I completely understand why a class action lawsuit was filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
NATIONSTAR : mortgage payment arrived on XX/XX/XXXX per usps tracking info. mortgage company charged late fee saying they received it after XX/XX/XXXX. i asked them to remove the fee, but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Mortgage company failed to pay my homeowners insurance from available escrows funds on time resulting in cancellation of insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: RI

Complaint narrative:
Thanks to CFPB I was able to secure a HAMP agreement with Nationstar last month and have successfully initiated payments under this agreement. However, I have repeated received certified notices, emails and messages that my mortgage is default and my home may foreclosed on. I do not trust Nationstar primarily because their systems do not appear to accurately reflect the status of my HAMP agreement. I have gotten repeated calls to contact Nationstar about the status of my mortgage which appears to be in direct contradiction of my HAMP agreement. I have pointed this out to Nationstar and they have proceeded to send me foreclosure threats event though the terms of my HAMP agreement do not permit the firm from foreclosing on my home while I go through the trial period. Nationstar has verbally told me that as long as I pay the mortgage within the month it is due there will be no penalty but I get different stories from different people and do not feel as though I have been told the complete truth about how the HAMP agreement works nor have I received explanatory documentation that details my HAMP agreement. I am concerned that Nationstar is attempting to foreclose because I have significant equity in the home and have not yet sold my house which is on the market. I would like more assurance from Nationstar, in writing, and clear documentation of the terms and agreements in the HAMP trial period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ORG GC GP BUYER, LLC
State: OR

Complaint narrative:
My brother attended the Maryland XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, for which he applied and paid for with a Maryland XXXX XXXX Application for student loan. 
Recently the creditor agency GC Services LP sent documents to his employer and as a result have been garnishing his wages, with no evidence of default on a loan from 30 years ago. Please advise, as we believe GC Services LP to be committing fraud in conjunction with an all-too easily duped payroll supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a call from a XXXX XXXX who works for XXXX XXXX XXXX but pretentious to be a police officer. He first contacted my sister in law threathening to lock her up if she did n't pay him XXXX dollars within one hour. She intern called me. And gave me a phone number for him XXXX. I called him and he wastalking about coming to arrest me and my sister in law if I did n't pay him XXXX within one hour. He was very rude and threatening me with cursing and coming to lock my a up. I also was called from his office by a female who just impose as a court clerk. The phone number she used was XXXX which appeared to be a XXXX bogus phone #. I was threathen by XXXX XXXX and his associates which I an XXXX and have health issues that caused me to have a XXXX XXXX. And they caused my sister in law XXXX XXXX XXXX. Something needs to be done about this. A friend of mines paid XXXX to this company because of his threats. And in personinating an police officer is a crime as well as communicating threats. Please get this man and his associates. His phone number is XXXX. Help my name is XXXX XXXX my email address is XXXX XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
VIOLATED " FAIR CREDIT BILLING ACT '' AND FDCPA '' ... XXXX DIFFERENT COMPANIES DEMAND SAME PAYMENT OF FRAUD ACCOUNT XXXX XXXX AND NOT MY ACCOUNT. FORMAL FRAUD AFFIDAVIT FILED WITH " FTC '' CASE # XXXX AND WITH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Daniels Norelli Scully & Cecere, P.C.
State: GA

Complaint narrative:
On XXXX XXXX 2015 at XXXX pm I returned a phone call that I received from a company called XXXX, XXXX, XXXX, XXXX. I spoke briefly with representative ( XXXX XXXX ) who left a previous voicemail requesting that I call back the company. XXXX XXXX refused to provide my request to send out written documentation regarding the nature of this particular phone call. The address that she stated as being my residence was incorrect yet she refused to correct and update the information. She ultimately threaten me by stating that the sheriff would be coming to my job and serving me. She did not state an amount or why I would be served. She hung up the phone after making that statement. According to the pre-recorded disclaimer the phone call should of been recorded by the company. I need to know if this call was legitimate. I am really skeptical because this person was so evasive and ultimately became belligerent whenever I requested the information be documented and mailed to me.

Company response to consumer: Closed
Consumer complaint received 2017-01-03 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: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I was recently the victim of identity theft via a massive data breach last year with my former health care insurance company, XXXX. I received a bill for cell phones purchased in my name from XXXX in XX/XX/XXXX of last year and immediately called and reported it with XXXX in XXXX 's Fraud Department on XX/XX/XXXX. She helped me report the account as fraudulent as she assured me the account was marked as " fraud '' and closed. I have continued to receive bills from XXXX and now also received a collection notice from GC Services Limited Partnership. I called XXXX to inquire about why they would have turned over a closed fraud account to a collection agency, and I could not get through to anyone via telephone in the XXXX Department for help. I was referred to a website dispute form to fill out and submit, by All Clear ID ( a credit monitoring and assistance company hired by Anthem to assist their ID theft victims ). This dispute form states clearly that XXXX has 30 days to respond. When I spoke to XXXX XXXX at GC Services Limited Partnership, she said that she can place the account in a dispute status only until XX/XX/XXXX and then it will be reported at all credit bureaus. Since I can not obtain my police report for a week, it would seem that XXXX has made it impossible for me to remedy this situation that I am completely not responsible for, in time to prevent my credit from being affected. I am now forced to seek legal remedies from XXXX due to their unethical practices and refusal to help me in any way other than a process they have devised to allow them to take advantage of anyone who has been victimized by fraud. I have been victimized by Anthem 's lack of data protections for it 's customers, and now I am being victimized by XXXX for an account that I did not open.

Company response to consumer: Closed with explanation