vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
My Mortgage lender lied to the court in a foreclosure proceeding. They stated to me, the borrower, that they were reviewing my loan modification request. Instead, every time I call the Mortgage Lender ( NationStar LLC ), I am transferred from representative to representative without getting an answer to the complaint filed with CFPB. 
In particular, NationStar LLC lied to the court in a foreclosure proceeding against our home and fraudulently obtained the title to my property. With the title on hand, Nationstar LLC sold my home to a third party without my knowledge. 
Since the law now protects innocent third parties, the judge decided to side with Nationstar LLC and we were given XXXX days to move out of our home. However, the third party buyer in this case is not an innocent home-buyer, it is a subsidiary of Nationstar LLC. In addition, NationStar was to provide a response to our initial complaint on this case and instead has filed frivolous paperwork with CFPB extending the deadline to file a response so that we are left with only one week to vacate the property. We have tried on various occasions to work out a loan repayment plan but NarionStar has refused to work with us. On XXXX XXXX, 2015, I called NationStar to request a response to our complaint. I spoke with XXXX customer service representatives and XXXX accounts resolutions specialist before I finally reached XXXX XXXX badge number XXXX ). I demanded a response to my complaint to which she read me the letter from NationStar dated XXXX/XXXX/2015. In that letter NationStar claims that they are reviewing my complaint and that the NEW deadline for them to send me a response is XXXX/XXXX/2015. Since we are " required '' to move out by XXXX/XXXX/2015, we will not have enough time to make arrangements with only XXXX days notice from their response. In the CFPB guidelines it states that the lender is to provide a response to our complaint within XXXX days. Clearly, NationStar LLC is evading their responsibility to answer our complaint. As of XXXX/XXXX/2015 I have not received a verbal or written response to my complaint from NationStar LLC. Again, I spoke to XXXX at Nation Star LLC. XXXX 's badge number is XXXX and her mailing address at NationStar LLC is XXXX XXXX XXXX XXXX, TX XXXX. The phone call was made at XXXX XXXX XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
On XXXX XXXX, 2015 my attorney submitted my most recent updated financial information to my servicer SPS. On XXXX XXXX, 2015 SPS gave my attorney a list of items they needed for my review. My attorney then forwarded all requested paperwork to SPS and then on XXXX XXXX, 2015 my attorney confirmed SPS had a complete application. On XXXX XXXX, 2015 SPS advised my attorney that they needed clarification on some of the bank statements for deposits of rent and my husbands contribution. On XXXX XXXX, 2015 my attorney again confirmed all paperwork was complete and no additional documents wer needed. Then on XXXX XXXX, 2015 SPS stated the paperwork sent was not clear enough. Everything was faxed again by my attorney on XXXX XXXX, 2015 and XXXX XXXX, 2015. On XXXX XXXX, 2015 SPS spoke with my attorney and now states they want everything again, but updated. Per my attorney and per RESPA Reg x, SPS was supposed to review my file for assitance within 30 days of having a complete file. My attorney has verified SPS had a complete file on : XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. They continually string me along stalling and then asking for the same paperwork over and over. They are evading reviewing me for assistance by simply allowing the paperwork sent to expire and then asking for it all again. RESPA Reg x was put into place in order to stop this type of behavior, per my attorney. They can make a decision based on the paperwork they have in hand. Three times in the past 60 days they have had a full and complete file. I would like them to stop stalling and make a decision. The last time they confirmed they had a complete file was on XXXX/XXXX/15. The paperwork I sent in XX/XX/XXXX was valid through XXXX/XXXX/15. I should not have to send the newest paperwork over and over and over simply because they are stalling or not underwriting my information in a timely manner. My situation is not that complicated. They are making it complicated on purpose in order to evade reviewing me for assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
I was working on a loan modification with nationstar and I talked to them on Tuesday and they stated it was in review and they needed more paperwork and they sent that to me and I filled it out agin and checked back Friday and they stated they got that paperwork and needed another page they said was n't filled out and sent me the paperwork work on Friday the XXXX and when I called them this morning they are telling me it for closed on Thursday the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
I am concerned that my loan servicing company SPS ( Select Portfolio Servicing, inc. ) is purposely delaying my loan modification process in order to prevent me from qualifying for the program before it ends in XX/XX/XXXX. I have repeatedly been told that my application is incomplete and asked to provide information that was already provided. They do not notify me that documentations are needed at the time, I have to follow up regarding status only to find that it is on hold because they are awaiting information ( generally that they already received. ) They are also now requesting that I produce a " new '' rental agreement for a XXXX property I own to prove income. I showed them the original lease that clearly shows a switch to month-to-month tenancy after it expires. The same tenant has occupied the residence for years and it is not reasonable to ask him and HUD to execute a new agreement since we already have an implied month-to-month per the original lease. HUD ( which is a government agency ) accepts this as an agreement and pays us based on it. In addition, the servicer has my tax returns and bank statements that clearly show the rental income ( which is at a loss so has no bearing on the loan modification. ) In addition to documentation from HUD with the breakdown of what they pay and what the tenant pays which can be verified by tax returns and bank statements. This is a clear and sufficient paper trail but they are staying it is not because the lease eludes to a new written agreement. Reverting to month-to-month tenancy after lease expiration is standard practice in the industry and the document is worded accordingly. In addition, this is a legal real estate document provided by XXXX so we can concur that it is worded to be enforceable by law. This modification was started over 4 months ago and is being held up for frivolous reasons. I have also only just learned that the program shuts off in XX/XX/XXXX so if my application is not complete by this date that I will not be eligible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I have sent the company Credit Bureau Associates several notices to advise them they are trying to collect on a debt I no nothing about. 

What I find immensely frustrating is that I have sent them several letters in this regard and they continue to ignore me and report the unknown account on my credit but it reads on my credit " creditor can not locate individual ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
Called today about the debt was n't communictated what the debt was sufficently. I agreed to pay the debt in full for deletion which the company stated they wouldnt do. Which is in violation to the " Fair Credit Reporting Act ''. I am willing to pay debt in full for deletion from credit report in XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
Due to the financial crisis of XXXX my income declined to one fifth of previous years and finally in XXXX I was forced into a chapter XXXX bankruptcy. I got back on my feet and started paying back my creditors 100 % of what I owed. My mortgage was the only thing I was allowed to keep through M & T Bank. In the spring of XXXX I was sent a package from M & T Bank via XXXX XXXX that I had to sign for. It was a pile of documents saying that the Federal Government had told M & T that I needed to refinance my mortgage to a lower rate. I called the number and asked if this would this apply to me because I was in a chapter XXXX bankruptcy. They said yes let 's proceed. They then called and said I needed to get permission from the Trustee and the Judge so I contacted my attorney who did what I asked. About 2 weeks later they called and said they could not refinance me. 2 weeks after that I received a notice that they were charging me attorney fees for asking the court to refinance my mortgage. I called my attorney and she said that it might just go away since they asked me to refinance and they were my current mortgage holder. I went on with my Chapter XXXX and paid it off. 2 weeks after paying off my chapter XXXX I received notification on my mortgage statement asking for payment of a recoverable corporate advance. When I called and inquired about this they told me it was for the attorney fees that they incurred when my attorney asked the Judge about my refinance. I do not feel that I did anything wrong here since they made the original offer. And I do not feel these charges of over {$840.00} are justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
Bill paid by insurance please remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
I have a mortgage with M & T bank on my home that I have lived in since 2009. We received several marketing letters from M & T bank via XXXX regarding possibly refincing our loan to get a lower interest rate and payment. I called to inquire about this and was told by the loan officer I was working with that I should be able to refinance my loan and save at least XXXX per month depending on what our house appraised for. They took a payment from me of XXXX including XXXX for the appraisal and XXXX for an application fee. They hired an appraiser who came out and did an appraisal that their underwriter " rejected ''. I was never notified that the appraisal was rejected. XXXX said that she called my cell phone XXXX. that is not true there were NO missed calls for VM from her or anyone else that week. She also said that I was mailed a letter, I never received it. I asked about getting any of my money back and was told I could not. They ended up telling me they could not offer to refinance my property. I feel like they just stole XXXX from me by taking an application fee that they never intended to do anything with and XXXX for a worthless appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI

Complaint narrative:
I received a call from someone saying they were from XXXX and that my computer had issues. The accessed my computer and my bank account to supposedly deposit {$200.00} into my checking account. They supposedly made an error and the deposit was for {$2000.00} and needed the extra money returned. What I did n't know was that the money was a transfer from XXXX account. Needless to say I am out {$1800.00} at this time. 
The amount was a Money Gram transfer. The phone number I was called from is XXXX. 
If possible I would like assistance in retrieving the money. 
I should have went with my first instinct that this was possibly a fraud but they had locked me out of my computer using a XXXX viewer and I could not unlock the computer until they called me. TheThank your for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XXXX XXXX here, I am new customer to M & T ( end of XXXX ) and I was offended to see when I first looked at my statements from XXXX and XXXX that I have been charged over {$120.00} in ATM fees. I understand that account sometimes had fees but I had no idea that M & T would charge me {$3.00} per transaction just to check a balance?! I was charged {$3.00} approximately XXXX times in XXXX months to check my balance from other ATMS!? I was told at XXXX XXXX NY branch that " I thought they stopped that ''. I was charged to check my balance also! I feel as if I am being targeted due to my low income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
My son XXXX XXXX is trying to secure a place to rent in XXXX, XXXX. He found a place on XXXX XXXX in XXXX, and contacted the owner of the property, XXXX XXXX, via e-mail. An agreement was made over the phone, as XXXX XXXX represented himself as the owner, but was in XXXX on business. The XXXX of them made an agreement that XXXX would send the security deposit of {$600.00} and that once he moved in he would pay the XXXX months rent. The agreement was that the lease was to be sent to XXXX to sign and return to XXXX XXXX, by his secretary XXXX XXXX. XXXX XXXX was also the one who was going to pick up the deposit of {$600.00} in XXXX. sOnce the security deposit of {$600.00} was received, XXXX XXXX would have his secretary XXXX XXXX, send the keys to the place to XXXX via XXXX and she would forward that tracking number to XXXX. The security deposit was sent on XXXX/XXXX/15 via MoneyGram in the amt of {$600.00}. Today, XXXX, XXXX XXXX notified XXXX that he had " his plumber '' go to the house to check on everything so that it would be ready for XXXX to move into. Per XXXX XXXX, the plumber found pipes leaking in the wall and now XXXX XXXX is asking for another {$1200.00} to be sent to him to help cover the cost of the repairs. My son does have a copy of the lease, which states that the deposit would be {$600.00} and outlined that the rent was $ XXXX. with all utilities included. I possess the receipt for the security deposit of {$600.00}. In the original e-mail correspondence between XXXX and XXXX XXXX, XXXX XXXX indicated that he is a new landlord and that he had the keys to the property. Now today, he states that a " plumber '' has keys to get into the property. If this plumber truly had a key, why did XXXX XXXX not offer for XXXX to meet the plumber at the house to do a walk through, before we sent the {$600.00}. XXXX has corresponded back to XXXX XXXX today, the XXXX, and asked him why he did n't offer for the plumber to meet XXXX there, if someone local had a key. He has not received a reply as of this time at XXXX XXXX/XXXX/15. XXXX XXXX also stated that " He 's been busy today and has n't had a chance to XXXX the key yet ''. This sounds like a total scam, I 'm hoping not, but it 's starting to smell very fishy. I hope you can offer some advice of assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
My grandmother received several emails from MoneyGram stating that her account had been created, a transfer had been requested, the transfer had failed, and more information was needed. My grandmother does not know the sender and she did not set up an account with MoneyGram using her email address. I emailed MoneyGram indicating that I was reporting possible fraud. I received an email back indicating that I must be searching for a locations and the email gave me directions on how to find them. I called into MoneyGram and indicated that I was reporting possible fraud. The XXXX rep was marginally helpful. The XXXX rep would not discuss the " account '' with me. I tried to explain that I 'm not trying to discuss an account, I 'm trying to make sure no one is using my grandmother 's information to send money. The only " resolution '' ( I use the term loosely ), the rep could offer was that my grandmother had to call in herself. I asked what, if anything my grandmother could do if she called in ( clarifying that I was asking about the standard procedure, not any details related to the account ). The rep said she could n't give me any information and that my grandmother needed to call back in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN

Complaint narrative:
This is the second time this happened. I sent money to my son XXXX and i had to call due to the fact my name is on a list for drug something or another but my name is a common name so the first time i had to call was fine but my name should 've been removed from that list so it happened last night again and the wait time to talk to someone is simply unacceptable. I will not ever be using Money Gram again. I am a hard working man and i should n't had to even go through that once let alone twice!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a fraudulent transaction and I informed Best Buy regarding these XXXX transactions. Best Buy tried to charge me a {$25.00} late fee which they waived when I explained the situation with their credit specialist. I had my Best Buy Credit card stolen along with my visa card and reported it to the merchants in question. XXXX XXXX XXXXSocial Security XXXXBEST BUY/XXXX # XXXXXXXX XXXX XXXX, SD XXXXPhone number not availableDate Opened : XXXX : Individual AccountDate Updated : XXXX Received : $ XXXX Status : Current ; Paid or Paying asAgreedReport Created On : XXXX Number : XXXX XXXX of XXXX Type : Revolving AccountLoan Type : CHARGEACCOUNTLast Payment Made : XX/XX/XXXX Terms : Paid MonthlyDate Closed : XXXX Paid : XX/XX/XXXX & gt ; Maximum Delinquency of 30 days in XXXX for {$51.00} & lt ; High Balance : High balance of {$1100.00} from XXXX to XXXX ; {$1800.00} from XXXX to XXXX Limit : Credit limit of {$3000.00} from XXXX to XXXX : ACCOUNT CLOSED BY CONSUMER ; CLOSED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I have asked Financial Control Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I sent money, via MoneyGram, to my mother in XXXX. Unfortunately, my mother was not able to pick up the money because when she presented herself to the MoneyGram cashier, she was told that the money has already been picked up. My mother explained to the cashier that she has not picked up the money, and asked the cashier to tell her which agency disbursed the money but in vain. 
On XXXX XXXX, XXXX I then contacted MoneyGram here in the U.S to file a complaint and asked for a refund ; an investigation was opened with the following case number : XXXX XXXX. The MoneyGram agent I spoke with said the investigation would last up to 90 days, then I 'll be notified of the result. 
But I was never contacted by MoneyGram regarding this case ; I have been the one constantly calling to ask for an update. Everyone I have talked to at MoneyGram has been giving me the run-around. On XXXX XXXX, XXXX, I called again, and the MoneyGram agent I spoke to told me that my case was close, and that the investigative team concluded that the money was picked up by my mother. When I asked MoneyGram to show me a proof that the money was picked up by my mother, the agent said he could n't disclose that information to me. I also asked to speak with someone from the investigative team, but they refused. 
I 'm completely disappointed with MoneyGram ; this unfortunate experience tells me that money transfers are not safe and reliable. I need help getting a full refund from MoneyGram. 
Thank you, XXXX XXXX.

Company response to consumer: Closed with monetary relief