vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation
State: WI

Complaint narrative:
I received a notification from TRS Recovery Services, INC. of a Notice of Unpaid Electronic Transfer. The date of the transaction was supposedly XXXX/XXXX/XXXX. It shows a check number of XXXX and a Stop Payment. Reference number XXXX. This is supposed to be with XXXX for {$400.00} I did not conduct any business with XXXX on the XXXX of XXXX XXXX. I have not made or attempted to make a purchase for that amount with XXXX. I do not write checks to XXXX if I shop there. This appears to be a fraud. 

XXXX did not contact me directly. This letter simply arrived in XXXX, XXXX. There are no supporting documents of any transaction. 

I downloaded a dispute form from the company and that form is highly questionable. It asks for bank routing numbers, drivers license and social security number. This is highly inappropriate. 

Reviewed my checks written and credit card statements. Nothing. 

If there is a problem, it is with someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My mother elected to apply for an equity loan on her house, which had been paid for ( with the exception of a XXXX loan on the property ). After some family turmoil, the present debt collector named NationStar has been threatening foreclosure for awhile, but thankfully, this outcome has been forestalled. It is important to note that the original equity loan was doled out by XXXX. At this point, I have had some serious concerns with NationStar. They are a debt collector, yet claim that they are simply working with XXXX XXXX or XXXX. The customer service has been horrid as I have been informed by the SPOC ( single point of contact ) XXXX XXXX to stop calling him. Indeed, he has n't bothered to help in any way. Finally, I 'm worried and angry that after 20+ years, my mother will be foreclosed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Our loan was service released from XXXX to Select Portfolio Services ( SPS ) as of XXXX/XXXX/2015. When we received our initial statement from SPS, we noticed that the loan was setup incorrectly. We contacted SPS on XXXX/XXXX/2015 and advised them of the error. We generated and sent out a certified letter to SPS with the previous statement as to how the loan should be setup. On XXXX/XXXX/2015, we spoke to SPS and stated to them again the loan is still setup incorrectly. On XXXX/XXXX/2015 SPS called stating dispute being reviewed. On XXXX/XXXX/2015 SPS called again stating loan was setup correctly. We advised SPS that this is incorrect and to re-review the actual mortgage statements provided. On XXXX/XXXX/2015, we sent another certified letter to SPS in regards to the loan being setup incorrectly. We requested a payoff statement and payment history on XXXX/XXXX/2015 from SPS. We received the payoff statement and again it reflects the incorrect information. The only responses we have received from SPS is that they are in receipt of correspondence. Nothing in writing to our complaint or request of documentation. We are requesting assistance before we file a lawsuit against SPS in regards to our loan being setup incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Nationstar Mortgage took out my mortgage payment twice this month. My bank stopped payment on the second mortgage payment which had the same draft data as the first payment. I called Nationstar to notify them of the error and the next day they took the money out again. So my bank covered the funds and removed overdraft fees so the bills i was paying with the funds that Nationstar took out of my account could be paid ( things like electric bill and credit card payments ). Called Nationstar again ( this was before a big snowstorm that would have left me in the red with no funds for supplies ) and they admitted their error and paid back the second mortgage payment funds. My bank then took out their temporary coverage but I am still cleaning up the mess Nationstar made of my finances. I suppose I should consider myself lucky considering what some on this web site have endured. I am so sorry for you and empathize deeply. Doing business via XXXX XXXX is not the way to run a business. BTW my mortgage was first owned by XXXX, then sold to XXXX, which refused a refi after many attempts via federal HAMP program ( 3 years process, lost paperwork-so they say -- numerous times, many different agents, started over and over again ), then sold to Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
For the second time someone stole my identify. This time they opened up a XXXX XXXX account that when into collection for {$1200.00}. McCarthy , Burgess & Wolff , Inc. only contracted me when I discussed the charges on my credit reported and filed an investigations. They then confirmed that these where my charges and added a collection fee of {$210.00} to the bill. I was able to find the correct number and proofed to XXXX that these were not my charges! They issues me a letter stating that I was not responsible for these charges on XXXX XXXX, 2016. I am still trying to get the XXXX credit agencies to remove this information that they placed in my files. They have suppressed my credit score and caused me damage!

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

Complaint narrative:
We have a mortgage with quicken loan we have only been with them for six months they are and have re accessed our escrow account this is normally done on your anniversary of you loan. When we called to ask about this we were told that all loans in the state of Louisiana are done this so people do n't suffer at the end of the year this is a company decision they have made. We feel this is wrong for them to do this is not correct and kind of border line of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
In XXXX XXXX, Nationstar Mortgage bought my home loan from XXXX XXXX XXXX. Somehow during the transaction, a paperwork issue occurred between the banks. Nationstar added a " late fee '' to my loan account, even though I had nothing to do with the transaction. Nationstar has acknowledged to me that the fee was erroneous since XXXX XXXX, and yet they have never removed the late charge from my account. My account is in good standing as I have never been late with a payment on the account. Nationstar has not removed the erroneous late fee and it is now XXXX XXXX, so it is now 4 years later and the " late fee '' still appears on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
A man living w mom helped her do modification on mortgage. He provides no loan documents and mom is XXXX XXXX XXXX so when i acted like i had proof of wrong doing he purchased a car and ran, came back then i got some paperwork saying she was paying a " note '' not a mortgage and she has to go by loan docs ( not att ) and interest is almost 5.5 % she saves nothing now 2 weeks behind again. She had to do XXXX trial payment sessions. All info on house is unsearchable and sh is listed XXXX different ways, no mid initial, mid initial C, and mid initial W. please help we have no money for atty

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MCLEAN MORTGAGE CORPORATION
State: VA

Complaint narrative:
I recently applied for a mortgage with Mclean Mortgage Corporation. Although still married, I was fully qualified for the loan on my own and provided them with all information required for settlement. I was scheduled to close on the property on XXXX XXXX and on XXXX XXXX I was told by the mortgage company that unless I provided the underwriter with a detailed statement outlining the status of my marital situation and a signed statement saying that neither of us would seek child support or alimony in the event of a formal separation agreement or XXXX they would not approve my loan. My husband only XXXX month secured his own mortgage through another mortgage company ( same salary, same assets and same access to joint accounts ) was not required to provide the level of documentation I was nor was he required to provide a similar statement regarding alimony or child support. I did not feel their ask was fair or relevant to my qualifying the loan. Needless to say, I had to sign a letter, along with my husband, stating what they asked in order to close on the property on 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 2016-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
On XXXX/XXXX/16 Nationstar had their 3rd party vendor XXXX XXXX XXXX secure the property i own and live at XXXX XXXX XXXX XXXX XXXX NJ. House was not vacant, i lived there and was in the process of negotiating a short sale with Nationstar. When i came home i couldnt get into my house a lockbox had been placed on the door. When i finally got in, I was horrified to find ALL of my belongings gone. everything I ever owned. To this date, neither Nationstar or XXXX has returned my belongings, which were most likely thrown away. Nationstar didnt bother to speak with me or my agent about securing the house, and now i have no clothes, no personal documents, etc. I was left like a dog in the street. I want NAtionstar or XXXX to return all my things or to compensate me for the things lost and for the pain and suffering, along with the health issues I have now had to deal with because of this traumatic event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
I have called nationstar mortgage several times spent several hours on the phone meet all the requirements to have them remove my PMI they wo n't mail me the proper documents they wo n't respond to my emails I have sent them ever thing they ask for but that XXXX document that they wo n't send me l paid over 28 % of my loan and my house has appraised for XXXX original loan was for XXXX I owe XXXX I need help since they keep making excuses

Company response to consumer: Closed
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Quicken Loans refuses to close my loan. They pushed off my date while not requesting I provide all required information to do the loan. Now I am in a hotel with my kids and no home because of it. They told my bank I fraudulently provided bank statements for my earnest money check. Which is absolutely wrong. I had the check and everything provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
While applying for a mortgage refinance in 2013, Quicken Loans misrepresented my credit score by XXXX points on all XXXX credit bureaus and suggested that I enroll in their XXXX XXXX Program at a cost of {$200.00} plus dollars. While being guaranteed that the costs would go towards closing should I apply. I inquired about the discrepancy in the scores and was told that the scores I see for my personal credit monitoring is different than the score they see. While I had a qualifying score initially, my score was increased by satisfying some small debts ... However, each quicken loan representative I spoke with subsequent, refused to process my application without an additional cash payment. I can include names and contact numbers of those involved in this process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
I recently sold my XXXX residence. I went through the whole closing process on XXXX/XXXX/15. My mortgage company on that loan still shows a payment due XXXX XXXX & still shows a principal balance of {$130000.00}. I usually would n't take this approach this soon in the process, but my mortgage company ( Nationstar ) has XXXX in the past with a lender placed insurance scam. Long story short I have called and been on hold already. The previous experience I spent hours probably days on the phone with Nationstar. There was no resolve until the CFPB got involved. Thank you for the help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Select Portfolio Servicing is a collection agency, not a mortgage Co.. Therefore I believe they do not have legal right to foreclose on my property. They have been harassing me with foreclosure, sheriff notices since year 2004. There is a statute of limitations to collect on a debt. I already owned my home. I did not purchase my property from SPS. I took out a home improvement loan with a mortgage company called XXXX. They are no longer in business. SPS refuses to produce original wet ink note on property.We went through numerous modifications. With higher payments.Always at the end of trial period, they have repeatedly lied about paperwork and documents missing.The last modification they wanted us to sign was for a whole new amount due, well over {$100000.00}. My principal due on loan was only {$71000.00} at that time. I refused to sign.SPS was adding attorney fees, property inspection fees, misc fees. No one ever came to my home to inspect. I have tried to make payments, sent through XXXX XXXX. SPS returns payment, will not accept. This has caused stress related illness with the constant badgering. I demand SPS to cease and desist any further contact, through the courts or otherwise. There are many, many others experiencing this same treatment from SPS. They have filed complaints as well. Why are they still allowed to be in business??

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 servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
This is really a two-fold issue. A complaint was issued against XXXX XXXX XXXX ( submission # XXXX ) for selling a mortgage XX/XX/XXXX for a home that was sold back XX/XX/XXXX. The issue with XXXX XXXX XXXX has been resolved. But now there is an issue with the place they sold the loan to : Select Portfolio Servicing. I have a stack of paperwork from SPS for demand payments and threats with foreclosure on this property. I have spoken with their customer service representative numerous times since XX/XX/XXXX, when this all started. I have been told that their records indicate it was resolved XX/XX/XXXX. Since that time, I have been trying to get a written document stating, this loan was sold erroneously and there was NEVER a loan that should have been processed. I do NOT owe {$65000.00}. I want documentation stating those facts along with a written guarantee that this will NOT be reported to the credit bureaus. After numerous calls speaking with reps AND supervisors, all I can get is their " word '' that it has been taken care of. Not good enough! This headache came out of nowhere through the fault of XXXX XXXX XXXX and/or SPS. At this point, I do n't care who is to blame, but since SPS seems to be able to send me stacks of demand notices and threats, I 'm sure a letter stating ... .oops someone XX/XX/XXXX up and you are in clear must be asking for too much. This is all I want .... Would really like an apology but I definitely know THAT is asking for too much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
XX/XX/2015 I applied for and was granted a modification of my Mortgage with my lender Nation Star Mortgage. XX/XX/2015 I started my 3 trail Payments of {$880.00} for the three months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all of which were paid ahead of the scheduled time for the payments to be made. On XXXX XXXX 2015 ( I believe to be the accurate date ) I received notification that all of the trail payments were successfully applied and that my new modification payments of {$820.00} would start on the XX/XX/XXXX, I then made XX/XX/XXXX payment in advance and sent it in by XXXX XXXX to be applied for XX/XX/XXXX 's payment. However on XXXX XXXX I received notice that XX/XX/XXXX 's payment had not been made I immediately contacted Nation Stars customer service center to find out why they had not processed my XX/XX/XXXX payment. The response I got back was that we did not successfully complete the trail payment program to which I promptly stated that this was not accurate and produced the documentation to prove it. Nation star then informed me that they would begin an investigation and would contact me within 5 -10 business days with their findings, which they never return my repeated calls to them after the time limit for them to respond had expired. At that point I began to put the Mortgage Payments into escrow and informed them that I needed to know whether or not to send the payments to which they responded no because they would be placed in a hold until they completed their investigation. On XXXX XXXX I contacted Nation Star Mortgage again and inquired of them as to when there investigation would be done the receptionist on the line stated to me that there had not been and investigation initiated to which I responded that it should have begun XX/XX/XXXX and she stated again that there was no such investigation initiated. I the asked her to find out what happen and she said that after looking at the notes on her screen that there appears to be and inquiry of when you called and asked for the investigation by nothing was ever put in, to which she then stated that she would put the paperwork in. On XXXX XXXX I received an act XXXX stating that Nation Star Mortgage was initiating fore closer proceeding against me. I then went to see the people at American credit counseling agency and they informed me to file this compliant with you. I am hopeful that you can offer some assistance I currently still have in escrow three payments of {$820.00} totaling {$2400.00} and will continue to place my mortgage payments into this escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NH

Complaint narrative:
Nationstar is my mortgage loan service company. My mortgage due date is the XX/XX/XXXX and the grace period stated in the loan docs is the XXXX. Nationstar knows that I work nights and go to bed at around XXXX. Nationstar called on XXXX XXXX at XXXX and I told them the payment would be made on the XXXX. They called again at XXXX on XXXX XXXX, at XXXX on XXXX XXXX, and XXXX on XXXX XXXX. I believe this is harassment and I told them so. They claimed it was not harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have sent lender package of loan modification on XXXX XXXX, 2015 for review but per my agent told me they need some additional documents for review and no sale date at this point but I still see the sale date active on XXXX XXXX, 2015. I think they are lied to me while I called in to check with trustee company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
This complaint is against Quicken Loans. My wife and I applied for a mortgage through Quicken. We received pre-approval through the company and as a result paid {$500.00} to Quicken for the loan to proceed to closing. After a period of weeks, Quicken Loans decided not to close the loan because it said it could not count a portion of our income. Our concern is that of two of Quicken Loan 's pre-approval staff gave the loan pre-approval after their review but when the loan went to final underwriting another team decided to disqualify a portion of our income with no explanation. We are concerned that the portion of income Quicken ultimately decided not to use is from our small business that is minority and female-owned. We are concerned that somewhere in the higher ups at Quicken Loan there is a discriminatory reviewer who is implementing discriminatory practices against women and minorities. The company employees who gave pre-approval to our applications are also at a loss to explain why the application was rejected in the final stage.

Company response to consumer: Closed with monetary relief