vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I applied ( XXXX ) to refinance an existing 30yr fixed mortgage to another 30yr fixed with Quicken Loans. The initial process was fine. Upon applying I made it clear that one of my properties was newly purchased and I had only XXXX ownership of the property and had not even met the other owners nor have all the typical paperwork like insurance or property tax bills. At underwriting, the underwriter for my refi loan with QL insisted that I send a copy of the hazard insurance premium. I repeatedly told them I did not have it and all I could do was contact the owner in charge of paying the premium who had that information. I wrote a signed letter explaining the XXXX ownership, what the insurance premium was for the year ( split 8 ways ) and what my monthly costs were for the XXXX ownership. The underwriter did not accept this. Eventually I was able to find out the insurance policy and have the insurance company send me a copy of the premium to forward to QL. During this time ( XXXX ), I was also given a redisclosure document set that showed increased loan costs. The increase reflected an outrageous increase for the property assessment. At this point, I was frustrated with the experience at QL and posted some low scoring reviews on websites regarding QL. My reviews were factually correct. After about two weeks, I received another redisclosure document set that showed increased origination charges and a " condo insurance fee. '' At this point, I believed the increased charges stemmed from my negative reviews. I asked repeatedly to change the increased charges but I was given the run around or told they would while no changes were actually made. The second redisclosure set of documents were deleted from the electronic dashboard of all the loan docs, which I was using as proof they were increasing the loan fees. I have a printed copy, which perhaps they were not counting on. Finally, I asked for my {$500.00} Good Faith Deposit back so we could go our separate ways ( since they insist on keeping the increased fees that should n't have increased ). I was told today ( XXXX ) that they would not return my GFD of {$500.00}. I explained that I HAVE acted in " good faith '' during this process, but they are refusing to take off the increased charges and are acting very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I just got another letter from Nationstar stating that they received an application from me for a loss mitigation option. I never discussed loss mitigation option with anyone at Nationstar nor applied for it. I have no idea of what they are talking about. Again, and it is crystal clear that this is their scheme to steer me away from the HAMP Loan Modification I applied for XX/XX/XXXX which Nationstar have been processing before XX/XX/XXXX and even after XX/XX/XXXX when they took it over and is still in progress and is yet to resolved. Attached is the letter I received from Nationstar Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Dear Select Portfolio Servicing I am requesting tax documents from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as to date none have been received for mortgage account. 
please provide documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am contacting you on behalf od my XXXX year old mother. I just found out this this week she has been threatened with foreclosure under Nationstar ( XXXX, XXXX. ) She was behind and tried to send a check/funds to catch up but was refused. They would not work with her. They immediately began proceedings. She did not have any problems when with XXXX XXXX XXXX. Her property is in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
ComplaintMy wife and i filed for CH XXXX in XX/XX/XXXX, XXXX XXXX in Arizona. One of our creditors was " Citibank '' wherein we proposed to treat CitiBank 's claim, which was secured by a second deed of trust on our XXXX at XXXX XXXX XXXX XXXX. XXXX AZ XXXX that had a value of less than the amount owing on the first deed of trust, as an unsecured claim which would share pro rata with other unsecured claimants in a {$50000.00} dividend ( the " Dividend '' ). ( See Plan pages XXXX, and XXXX. ) As evidenced by the Certificate of Service on file in the case, the Plan was sent out to CitiBank and other creditors on XX/XX/XXXX. 
The Plan was approved and confirmed by the Bankruptcy Court on XX/XX/XXXX. A copy of the court 's Order is enclosed. 
Since the Plan 's confirmation, we have fully distributed to unsecured creditors, including CitiBank, all amounts required in the Plan ; and a final decree has been entered in the bankruptcy case. All of the Dividend payments have been accepted. In particular, a total of {$3600.00} has been paid to and accepted by CitiBank on account of its claim. 
Upon its confirmation, the Plan constituted a new contract with us and our creditors that superseded the old contracts. Section XXXX of the Plan provides that " the rights afforded under this Plan and the treatment of Claims under this Plan shall be in exchange for and in complete satisfaction, discharge and release of all Claims .... '' CitiBank received its Plan payments and no longer has any Claim against us and therefore must release its lien. 
We received " Notice of Final Decree and Order Closing Case XX/XX/XXXX. Since that date, we have written, phoned, faxed and mailed dozens of requests for CitiBank requesting to release its deed of trust against the Property, recorded on XX/XX/XXXX in the office of the XXXX County Recorder at number XXXX ( the " Deed of Trust '' ) ; but it has thus far failed to do so. Even our attorney has written, but to no avail. 
However, they refuse to take any action. We have an urgent issue necessitating the sale of this property immediately, but are unable to do so because of the lien Citibank refuses to remove. And now, we have received a letter asking for a " Voluntary " payment of $ XXXXin order to release the lien on the property. ( enclosed ) If unable to have this removed immediately, we will be totally financially destroyed after meeting all of our financial responsibilities under the Bankruptcy court requirements and obligations. 
Thank you for your Assistance, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
Account Resolution Services ( ARS ) has been calling my cell phone on and off for the past six months in an effort to collect a medical debt that is owed by the person who was previously assigned to the cell phone number that I now have ; that cell phone number was randomly assigned to me by XXXX on XXXX XXXX, when I purchased my new cell phone from them. I do not know who that person is ( they are trying to contact ) nor his whereabouts. I have on numerous occasions asked ARS to stop calling my newly issued cell phone number, but they laugh at me and tell me to have a nice day. I have previously filed complaints with the cfpb, the OH AG 's office, and the DNC registry ; yet, ARS continues to call my cell phone number. For example, they have called my cell phone number five times so far this month - and, we are barely past mid-month. I am XX/XX/XXXX and consider these calls to be harassing and a form of XXXX abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Dear CFPB, I am a Veteran and I have filed a complaint that requires me to send documents explaining the case to the veteran 's military division of the CFPB, but I ca n't find the address for military complaints, I have 140 pages of evidence and statements, and I am worried that my complaint did not go to the military division. Please provide me a paper mail address at XXXX///the Complaint number is XXXX. Currently Carrington Collection Agency who is impersonating mortgage servicers is using the 60 day continuation they asked for to commit additional debt collector harassment. I will attemp to attach some documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I have been trying to get Carrington Mortgage to resume Reporting to the credit bureaus the mortgage payments after my Chapter XXXX Bankruptcy for quite some time with no success. I have already provided the signed letter and borrower authorization within the same letter to permit Carrington Mortgage to resume reporting to the credit bureaus by my attorney. Numerous attempts have been made to get someone on the phone who can help me in this urgent matter in a timely fashion. To my surprise no progress has been made just empty promises.

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

Complaint narrative:
I received someone else 's auto draft authorization request with their attached voided check on it in the mail. It was mixed in with the company 's correspondence to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
We started the mortgage process w/BBVA in XXXX with a XXXX closing date. Through the process I was extremely proactive returning requested action items often within minutes and closely followed the status throughout the process. Concern of the processor 's attention to detail and responsiveness was voiced early on by myself however I was falsely reassured. The week before closing I was assured everything was on target however the week of closing I found out our process was to be delayed and BBVA petitioned for an extension which was graciously accepted by the seller. Unfortunately it was later found that there was no acceptable reason for the initial dealt other than someone " dropped the ball '' per BBVA & I was assured we would close by yet another requested extension. The processor 's supervisor became aware of the situation and promised to escalate the process assuring an expedited flow. Unfortunately a XXXX petition for an extension was requested without any apparent reason. Multiple calls to BBVA customer support yielded promised return of call with 24-48 hrs by managers of customer support to accommodate reparations. Two weeks later and still waiting there has been no return of customer support management and we are still waiting to close escrow brining the total time to nearly 70 days! Promise to expedite the process was met with actual delays again for no apparent reason and not because of delays on my part. As a result of multiple requests for extensions by BBVA w/o valid reasons the purchase of our dream home is now in Jeopardy and there has been no response as promised by customer support not even a phone call to acknowledge the inconvenience or promise of reprimand of the person who initially caused the delay. Accountability for a timely closure of this mortgage process has been sub par and there has yet to be any offer of reparations or to remedy the situation w/o further delays.

Company response to consumer: Closed with explanation
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 was paid
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
I was evicted by XXXX XXXX and XXXX XXXX XXXX XXXX. I was being harassed so badly by NCC business Inc. so I paid NCC Business services in full XXXX XXXX, 2016. NCC Business Services Inc never validated that XXXX owed the debt and the also refuse to submit validation of my dispute. NCC has not provided proof of payment in writing to me or XXXX XXXX, NCC continues to report the debt as unpaid on our credit reports for my Son and I. I have called and requested a letter to validate they were paid in full and the representatives including Managers, XXXX XXXX, XXXX and XXXX fail to provide written proof. The funds were removed from my checking account but is still showing as debt outstanding on my credit report as well as my son 's credit and he was denied an apartment for rent because of this. NCC also are still reporting to XXXX XXXX this debt is still owed. NCC Business Services also refused to verify payment to the property management company where XXXX applied for housing. As a result the price for the home has increased and he was not approved. I dispute this information because I paid {$2300.00} electronically to NCC Business Services XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
I requested that my bank account with BBVA Compass be closed or at the very least frozen. I wanted to leave this bank initially because they do not have branches in my new state. 
I have been informed repeatedly that they are unable to do either because I would be required to go to a branch and get this done. This does not sound reasonable to me. They insist they have no way to honor my request without my in personal appearance period and that there is no protocol to handle customers who move to a state where there are no branches of their bank. 
Having traveled alot in my life and have held many bank accounts in many states where I was able to close my accounts remotely these answers seem very odd to me. Infact, sound flawed or at least completely wrong. I have requested to speak to the Branch Manager in California where the account was opened but have never warranted a transfer to her extension. 
Please help me get my accounts closed with them. They refuse to honor my request. I have offered to send them a notarized statement ... they say they will not accept it. I have offered to establish a POA with my sister to close this account ... they say I need to be there to submit the POA. I can not win because these people are not practicing ethical banking. Please help me rid myself from them before they completely tank my credit. At this moment they are continuing to charge me bank fees. I will not put any money in their accounts because of their excessive fees and weird posting practices. Now they have me in a negative cycle where they continue to charge me for being over drawn for a particular period ... it could be an every day charge or every 3 day charge I am not certain. I can not look at my account any more I am so disgusted that they have trapped me and are killing my financial health during a time in my life where I really need my good credit history to shine. 
This concerns a checking and savings account. Please note : I could only choose one in the drop down. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I was with XXXX XXXX XXXX for 8 years and they sold me to Carrington Motrgage. I have requested a modification due to unemployement and turned in the package as of XXXX/XXXX/2016 with new income from employment. It has been more than 37 days and have not received a call for a work out or anything. They mailed me a letter yestersday stating that they still need more documentation after they have said they have everything? They are needing proof of occupancy from us? They have are address on the bank statements and other paperwork? They are also requesting that we show earnings? We have that listed on the profit & loss that we submitted with the package XXXX days ago and they said it was fine? On the other hand, XXXX XXXX XXXX started this whole thing when they denied me for a modification after I showed them 30 days of check stubs for new employment and sold me to this bank that is known for being unfair with the XXXX Consumer. They sold the mortgage in XXXX of 2016 to Carrington and they have delayed the process of the home retention program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
This company ARS is continuing to add and take away a debt that does n't belong to me. I received 3 letters from them on XX/XX/2016 saying they were removing these accounts. These accounts are not even mine. They just sent me another so-called validation of the debt and took off the name of the original person that owes it. This is damaging my credit and preventing me from being able to obtain credit with my credit union.

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 2016-08-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
We have provided everything and we are being dual tracked. We respectfully request that the CFPB let the lender know that we have provided all of the information and we need the same date removed until the modification process has been completed

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 2015-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My VA mortgage was sold in XXXX 2015 by XXXX XXXX XXXX to Carrington Mortgage services in the middle of an assumption ( my name is to be removed and the co-borrower is to remain ). The new servicer ( Carrington ) has no record of the in process assumption and asked that all the paperwork be forwarded to their research department in XXXX. The paperwork includes the release of my VA liability from the VA. Carrington stated it would take the research department 30 days to process the paperwork. They were contacted again in XXXX and no one had any record of the paperwork being received or processed. They also provided no contact info for any one at the Research Department. Just submitted the paperwork for the XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 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: NCC Business Services, Inc.
State: NY

Complaint narrative:
A debt collector claims i owe money for back rent at some housing complex in XXXX, NY that i know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Residential Credit Solutions, Inc.
State: NC

Complaint narrative:
Residential Credit Solutions ( RCS ) is not reporting my payment history correctly with the credit bureaus. My loan was transferred from XXXX XXXX XXXX in XXXX XXXX, RCS did not send modification paperwork until XXXX/XXXX/XXXX. The following are the lates showing on file from XXXX XXXX - XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX days during the modification, when they would not allow me to make a payment during this process, so technically there should be no lates on file with RCS. Please review the way this is reporting as it makes no sense to me. I would like this erroneous data removed from my credit file. 
XXXX XXXX XXXX sold my loan to Residential Credit Solutions ( RCS ) in XXXX. RCS approved my modification they added 10 years to the life of the loan at the same interest ( 5.75 % ) and increased the monthly payment. My monthly payment should have decreased when they added the additional 10 years to the term. When I caught the mistake and asked them about this they said I signed the loan documents agreeing to the terms. My loan is now transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I HAVE BEEN TRYING TO GET A MODIFICATION WITH MY MORTGAGE COMPANY US BANK BUT I KEEP GETTING THE RUNAROUND. I FAXED MY A COMPLETE PACKET 100 TIMES THEY DENIED ME FOR NO REASON REFUSE TO HELP WHEN I ASK QUESTION TELL ME IM DOING PACKET WRONG BUT WHEN I ASK WHAT IM DOING WRONG THEY SAY " WE ARENT ALLOWED TO TELL YOU HOW TOP DO IT '' IM TRTYING TO KEEP MY HOUSE BUT THE BANKS WONT HELP!!!!!!!!!!!! US BANK IS IMPOSSIBLE TO DEAL WITH. I CANT GET A SUPERVISOR THAT IN THE COUNTY I CANTR UNDERSTAND THE PERSON ON THE PHONE ( FOREIGN ) I CANT GET ANYWHERE

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