vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
Nationstar Mortgage breached our contract by ( 1 ) making tax payments when no escrow account existed, and ( 2 ) increased the monthly payment when the contract states this can not occur. ( see HUD-1 page XXXX ) Nationstar declined my request to remove the escrow account they applied after more than a year of no escrow ( see XXXX XXXX letter in attached Payment Docs ). 

Nationstar claims I owe them {$6900.00} for a tax payment in XXXX. Their employee XXXX XXXX confirmed my payment was received first and that Nationstar will receive a payment refund for being second payment made. ( see cashed checked in Payment Docs ) Nationstar has not accounted for a {$15000.00} Escrow payment made at closing ( see page XXXX of HUD-1 ). 

Nationstar did make the XXXX Tax Payment of {$6900.00} before me. My check was returned by the state ( see Payment Docs ). This means Nationstar still holds {$8400.00} of my escrow funds ( {$15000.00} - {$6900.00} ). 

Nationstar demonstrates gross accounting negligence with inconsistent monthly payments. Payments XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX {$62000.00} Yes, they billed me $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXThe attached resolution letter was provided by Nationstar to my initial compliant to the CFPB. They closed the dispute as resolved. 

I continue to make the contracted payment of {$1500.00} on-time each month. Nationstar claims I am over 49 days past due and have submitted my name to debt collections. 

In summary, I am seeking a return to no escrow and a {$1500.00} monthly payment as agreed upon in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2016 I had funds in my account Td Bank charged me overdraft fees XXXX times. XXXX $ XXXX {$320.00} my negative balance at the moment is {$280.00} meaning I do have my own money there and I did have money there the same day " it went to negative '' as Td Bank claims. Their customer service is ridiculously rude, they sound like bunch of scam artist at the branch and over the phone. I 'm a new customer with this bank, I just wish I did n't switch over to them from XXXX. When i checked my balance it was showing my remaining balance for example : ( {$100.00} ) so this ( ) means that its negative? Never seen this done at another bank. Usually if an account is negative you will see it in red with a - {$100.00}. I 'm very upset with this situation, I have no idea where to get help with this matter. Went into the branch they did n't help me out, called Td Bank they did n't help me out, asked for a supervisor she did n't help me out. I have no idea what to do, this is not fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I closed on a loan with the Mortage Company, Quicken Loans, I closed with a fixed 30yr rate set at one montly rate. I had the loan since XXXX 2016, four month an now they send me a notice, stating that my montly Loan payment amount is going to increase by {$60.00} or {$70.00} per month. added to what im paying now. I cant afford it I have XXXX kid 's to support, an pay childsupport, is n't something like that illegal, I have a fixed montly rate, my insurance has not increased, an my tax rate has not, change. I have the Loan for four months. can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXXOffice of Consumer ResponseConsumer Financial Protection BureauConsumerfinance.gov ( XXXX ) XXXX ( XXXXREFERENCE : Select Portfolio ServicingXXXX XXXX XXXX XXXX, XXXX XXXX Number : XXXXAccount Number : XXXXDear XXXX XXXX : Selected Portfolio Services is my mortgage servicer. I have entered dialogue with this servicer due to the following : In 2015 I received approximately {$5000.00} in funds that had been held back in error when my loan was transferred from XXXX XXXX XXXX to Select Portfolio Services. 
During this period SPS reported late payments and other derogatory information to the credit agencies. This has damage my credit and made it impossible to receive mortgage financing. I am requesting compensation. 

SPS escrows my taxes. SPS failed to calculate the taxes required and did not make a tax payment on time. This causes the local county to place a tax lien on my property. 
This contributed to my poor credit rating and credit distress. 

My original mortgage was with XXXX. I was living overseas at the time : This mortgage had undisclosed PMI insurance. 
The mortgage was uneconomic in that the annual mortgage P & I is less than the property taxes. This was not disclosed. 

SPS modification was simply fraud : The modification decreased the monthly P & I from the original {$2700.00} to $ XXXXThis modification on a payment basis is insignificant and does not provide relief. 
I like for this mortgage to be exclude for in favorable HAMP reporting and financial benefits. 

I have had the house on the market over the past modification. The P & I to Property Tax ratio push buyers away. I will need a principle reduction to {$750000.00} to make the home attractive to buyers and fair to me. 

SPS has placed PMI insurance of my HAMP loan which was undisclosed to me. 

Please help. I am XXXX now and would like to remedy this due to XXXX. 


Sincerely, XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
We had Quicken Loans as a mortgage lender from XX/XX/XXXX through XX/XX/XXXX. We refinanced at that time with XXXX as our new mortgage lender. We have had XXXX as our mortgage lender since. 

On XX/XX/XXXX, Quicken Loans contacted our home insurance provider ( XXXX ) and requested the below : 1 ) Change the name of the mortgage provider on our home insurance policy FROM XXXX TO Quicken Loans ( thus changing the mortgage e-clause ) 2 ) Change the payment preferences FROM us ( XXXX XXXX XXXX TO Quicken Loans. They indicated they will not be escrowing the funds from our monthly mortgage statement. ( Note : We have always paid our home insurance in full the minute we renew. Additionally, Quicken Loans is obviously not our current mortgage lender ... so they are not issuing any statements to us. ) 3 ) Quicken Loans requested our home insurance policy information ( which XXXX provided XXXX which included our active mortgage loan number with XXXX. 

I called on XX/XX/XXXX and spoke to XXXX. that works at XXXX. She provided the information of what was changed and indicated that XXXX is legally able to provide information to mortgage companies that have names and addresses of XXXX 's customers. 

I am very uncomfortable and feel violated and am not sure why Quicken Loans would call on a loan that is not active ( for well over a year ) to obtain my personal information ( including my active mortgage loan number ), change my payment preferences, and update my current mortgage information to their name?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On the XXXX show XXXX while they are showing a buyer looking at a home for sale, a flash at the bottom corner of the screen, says " XXXX payment is {$2000.00} ''. 
being in lending for 48 years, I know that in order to quote a payment, you must also show, APR, loan amount, term, etc. 
ALL THEY QUOTE IS THE PAYMENT!!!!!!!!!!!! 
XXXX XXXX is owned by Quicken Loans, a huge National Mortgage Company. 
This is not right for them to do this, and must be stopped now!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I was told by Quicken Loans that I could refinance with XXXX closing costs at 4.375 %. I would receive {$4000.00} in Lender Credit to cover all closing costs. 
However, if my house appraisal resulted in an 80 % Loan to Value amount to be financed, the interest rate would drop to under 4 %. 
The Good Faith Estimate was changed to reflect $ 3.999 %, but then the Lender Credit was changed and I was expected to pay almost {$3000.00} at closing to Quicken. The reality was that I had to pay to obtain the lower interest rate. 
I believe this is clearly bait and switch. Quicken should be ashamed. 
In an earlier complaint, filed by me, Quicken also ruined my credit score with their multiple hard inquiries on my credit report. 
I was also forced to forced to deny that I disputed an outstanding balance from XXXX Bank, when in fact, I did dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 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: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
I made a payment of XXXX to GC Services on XX/XX/2015 and XXXX says that they are saying that I still owe a full balance so thy cant remover the collection from my credit report when I had settled the collection in full on XX/XX/2015 therefore I still is showing a collection on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collections Inc
State: MS

Complaint narrative:
I recently discovered an account on my credit report for which I have not received any information. I have started an investigation with XXXX and would also like to start it here. I did not receive any information informing me of this debt from the collection agency, and it says it has been with the company since XXXX 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: WI

Complaint narrative:
Consistently calling me at work even though I told them that I can not take calls at work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Fact that Wells Fargo Bank thousands of Borrower denials for Mortgage Loan Modifications on otherwise eligible Borrowers is with clear documentation. Class Action Suits are pending. Wells Fargo denial in my case, was because they claimed my income was from Social Security only, ignoring the self-employment that qualified me for the XXXX in the first place. After denial of an Appeal, Wells Fargo Claims, due to a different address on my Tax Returns and fact I live and work out of the XXXX, with utility Bills paid by others, I had no proof I lived in the Home. Final denial was because I resided in the XXXX using it as XXXX, and made transfer property into " Charitable Trust '' thus, I did not pay property Tax, Wells Fargo said Balance on the Loan would be do because I sold the House, which again they were in error, as I retain ownership when XXXX is in that " Charitable Revocable Trust. ". As an ex-employee of Wells Fargo I 'm aware that any government insured loan, this Bank forces recourse option with any loan in default to collect from the government, lies about possibility of approval of a modification, using the Scammer Tactic, I.e., claiming " from initial information on your application '' wait for an underwriter approval prior to making further payments as your modification will be approved, while at the same time processing the XXXX for foreclosure to collect from the government.

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 2017-03-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: AZ

Complaint narrative:
I was told that monthly bill would be much lower than XXXX a month

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Barrett Financial Group, L.L.C.
State: CA

Complaint narrative:
XXXX XXXX, 2016 To Whom It May Concern : I am writing in regard to Barrett Financial L.L.C. After dealing with this company, I feel it is very important that all pertinent agencies are notified about their shady business practices. Every other hard money lender in AZ said what he was doing was 100 % illegal for an owner occupied home. I am hoping my letter writing will get someone to look into this company and their ability to follow and understand the law, before they really hurt someone. With all the information they have on me I am terrified of what they are capable of doing to me. I am hoping to put a fraud alert on with all the credit agencies for everyone involved in the deal. 
I was very unhappy with this company! I worked with XXXX XXXX. This particular man did not show me respect. He told blatant lies. Another party and I were in the process of purchasing a home with XXXX. He took all our personal financial info ( including bank account info and social security numbers ) and sent us a pre-qualification letter. We found a home and put in an offer, following his guidelines. We thought all was good. We were wrong. The man disappeared. The buyers ( me ), the sellers, our agent, their agent, the title company and the inspection company were all on hold. We talked to the receptionist and she did not know what was going and would under no circumstances allow us to speak to another lender. Then all the phone message machines ( voice mails ) were full, XXXX 's and the front main line. This went on for days until we lost the house. I asked XXXX to simply pay us back for the wire transfer costs to the title company of {$35.00}. He refused and still refuses to this day. I am XXXX and he knew it from all the paperwork. He took advantage and lied to a XXXX person. His lack of communication with his clients was below sub-par at best. 
I honestly believe this man thinks he is above the law and better than other people. Pure sociopath in my humble opinion. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, CA XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, AZ XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
On XX/XX/2016 I filed a dispute with credit reporting agencies after noticing a debt from Account Services was placed in collections on my credit report. They did not attempt to notify me of any attempts to llect a debt, my roghts to dispute, or why they are attempting to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Finance company reposed my car claiming my payment was {$70.00} short now I must pay tow fees of {$250.00} this is after being told by their employee in XX/XX/XXXX that I only needed to pay $ XXXXthen and another XXXX which I did because I was late with the payment by 3 days. Now when I call back speaking with XXXX different employees ( XXXX, XXXX, XXXX ) I get XXXX different amounts that I need to pay to get my car back. When I ask for it in writing because of the different amounts they do not send anything in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: MD

Complaint narrative:
I received a debt settlement letter from a collection agency for a medical bill. The last day to pay the settlement amount is on XXXX/XXXX/2016 ; today is XXXX/XXXX/2016. I called today to pay the debt in full, but was told that the bill was sent to their attorney 's office and the collection agency could not talk to me or receive a payment from me. I was told that if the collection agency spoke with me, that it would be against the law. The letter mailed did not mention anything about the account being sent to an attorney 's office, if contact was not made. I tried to inform the collection agency about the settlement letter received, but again I was told that they could not talk to me. I then spoke to someone in their attorney 's office and was told that the settlement offer ( which expires tomorrow ) will not be honored because the bill was now in the attorney 's office. I was told to call back on XXXX/XXXX/2016 at noon and the supervisor ( who was not in at the time of my call ) will make a decision whether to honor the settlement price, which was unlikely. I even faxed a copy of the settlement letter as proof, because the attorney 's office did not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I am currently making monthly payments to Credit Acceptance for a car loan, in a duration of 4 months. I purchased the car in XX/XX/XXXX, and made a XXXX dollar down payment, with the vehicle costing a little over XXXX dollars. My monthly payments are XXXX dollars, and I learned that the value of my XXXX Chevrolet Cavalier, was only worth a little over XXXX dollars in XX/XX/XXXX, as a book value. Meaning, that I was overcharged by Credit Acceptance as well as the car dealer. This will result in a legal court case if I am not compensated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CIBC BANK USA
State: NJ

Complaint narrative:
Private Bank of XXXX refused to share the appraisal of our home during the negotiation of the sale, resulting in the buyer 's frustration and walking away from the offer. We are now being threatened with having to pay the balance of the loan or renegotiate the terms of the loan as it will shortly become due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
This company has continuously called me during work hours and I am a teacher. This company has also disclosed my bill information to family members without me giving consent to disclose this information. My family members have expressed that company have continuously called and asked about my bill to them while they were paying their bills. This company is Credit Central of XXXX, Alabama. This company is by far the worst company that has ever receive my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Indicated committed crime not paying
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I bought a vehicle from a dealer in XXXX NY, AND they give me a New jersey, plate which was a fake license plate, and l got arrested, And they had no explanation for me, So i tell them i will like to return the vehicle, which I did, Come to find out they were some scam dealers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: USCB Corporation
State: HI

Complaint narrative:
XXXX school. this is online school. i did not provide my social security number to this school when i registered online.. i do n't know why they have my all information. this school send me to the XXXX company ( USCB CORPORATION ) Collect. i have already talk to them i need close my account. and it show me on the credit report .They keep billing me all the time. I stopped paying them my hard working money, and wasting my time since i went to university.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Was called numerous times and was being threatened to be taken to court and have my wages garnished, because of these threats I signed a payment agreement so they would n't take me to court now I can no longer afford the payments I signed up for and am asking them to lower it they are stating they ca n't lower it because I signed a legal agreement

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