vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I applied for a mortgage with Associated Bank out of XXXX XXXX, WI. I authorized them to pull credit on my XXXX/XXXX/XXXX. After receiving a pre-approval, I made an offer on a house. After I made the offer and turned in more paperwork for them, they came back with a debt to income ratio that did n't work for them. They had me pay off my car for $ XXXX and a credit card for $ XXXX which I did to get the debt to income in line. Also, I was going to put 25 % down ( over $ 90K ) and my only debt was then a cell phone bill and an insurance payment. They once again told me that my debt to income ratio did n't work for them and they needed my wife to be on the loan. So they ran her credit and had her do the required paperwork only to back out of the deal completely on XXXX/XXXX/XXXX due to some credit issues related to an old business she owned. Since then all credit issues have been resolved through a credit correction agency and we were approved for a mortgage with another bank. The reason for the complaint is that on XXXX/XXXX/XXXX Associated Bank pulled credit on us again without authorization. We were notified of this because we were in underwriting with the other bank and they needed a letter of explanation stating why we were applying for credit. I contacted our mortgage representative, XXXX XXXX, at Associated Bank several times without getting a valid reason for the credit pull 9 days after they send us a letter telling us they could no longer help us obtain a mortgage. Twice I requested that they send me a letter ( on bank letterhead ) stating that the report was pulled in error and that no credit was extended, a brief apology and that they would be contacting the credit bureaus to have the inquiry removed. I have received no such letter as of today XXXX/XXXX/XXXX. Based on my experience, Associated Bank and/or XXXX XXXX are deceptive in their intentions related to their mortgage process or their process is broken. It is possible they did n't even have the money to lend. At this point I still want my letter and feel they should be fined. Beware!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 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: Keynote Consulting, Inc.
State: IL

Complaint narrative:
they sent me collection paper work with my social security number on it .it did come in the US mail ( regular mail ) and I am concerned about this getting in the hands of the wrong people

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: WY

Complaint narrative:
My mortgage servicer, Nationstar Mortgage, is attempting to perform a foreclosure sale on my property, by using falsified documents. There are many discrepancies on who actually is the owner/certificate holder of my mortgage. The documents Nationstar has provided, lists XXXX XXXX. Yet, in doing research, XXXX XXXX Associates have verified that there is no connection to my mortgage and their locations. Because my mortgage loan was apparently securitized, the paper work in the apparent transfers were not properly performed. Thank you for your time and attention in this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX WAS MY LENDER IN XX/XX/XXXX, BE FORE THEY SOLD MY MORTGAGE TO NATIONSTAR,, AND ITS BEEN 2YEARS AGO,, THEY NEVER TOLD ME ABOUT IT AND THIS COMPANY,,, I HAVE MADE MY PAYMENTS ALWASY ON TIME, THE PAYMENT BEFORE THEY SOLD MY LOAN WAS {$660.00} INCLUDING ACROW AND EVERYTHING,, AND NEVER HAD A PROBLEM UNTILL NATIONSTAR TOOK OVER, I NEVER NEW HOW OR WHAT HAS HAPPEND, BUT I FIGER THAT SOME LENDERS DO SELL THE NOTES, BUT I NEVER NEW THAT THIS COMPANY WAS A COLLECTER AGENCY, BUT THE ISSUE IS THAT EVERY MONTH THERE IS A DIFRENT AMOUNT ON MY MORTGAGE PAYMENTS AND DO N'T UNDER STAND WHY,, I HAVE CALL AND THEY HAVE TOLD ME THAT ACROW IS LOW, WHAT THE XXXX IS ACROW,, I MADE A FIX MORTGAGE FROM THE BIGINING INCLUDING ALL OF THAT ACROW THING, NOW ITS BEEN TWO YEAR IVE BEEN PAYING DEFRENT PAYMENT ON EXPLAN, MY MORTGAGE WHENT UP LAS YEAR FOR THE TAXES INCRISS OK,, IT WHENT FROM {$660.00} TO {$690.00} I SAID OK, I PAID THAT AMOUNT FOR TWO MONTH, BECOUSE ON XX/XX/XXXX FOR MY SURPRICE, THE DEFRENT AMOUNT STARTED TO ADD UP UN EXPLAIN, TO {$700.00} I PAID IT AMOUNT FOR 3 MONTH THE SAME AMOUNT, THEN ON THE THE XX/XX/XXXX THERE WAS A NOTHER DEFRENT AMOUNT UN EXPLAIN FOR {$810.00} WHEN I PAID MY MORGAGE ON TIME, THEN NOW IT WAS OK UNTILL XX/XX/XXXX A DEFRENT AMOUN OF {$760.00} I PAY IT AND NOW IN XXXX AGAIN THEY ARE CHARGING ME {$800.00} THERE SAYING THE ACROW IS LOW, WHAT ARE THEY HIDDING, THEY ARE JUST RIPPING US OFF, I HAVE SEND XXXX NOTES ON LINE BECOUSE OF THIS CITUATION AND GOT BACK ONLY XXXX RISPONDS SAYING, THERE ARE LATE FEES OF {$12.00} WHENT THE PAYMENTS ARE LATE, LIKE I DO N'T NOW THAT, THERE ARE CHARGING ME LATE AND ACROW PAYMENTS WHENT I HAVE FIX RATE! AND HAVE PAID ON TIME, I PAID THE XXXX OF EACH MONTH AND THE LATE PAYMENT STARTS AFTER THE XXXX, THEY ARE COLLECTER AND SINCE THEY CAINT RICED THE RATES THEY HIDE IN THE LATE AND ACROW PAYMENT TO RIP US OFF IN MORE MONEY, IF IT KEEPS RISING THAT WAY, I WONT BEABLE TO PAY,,,. I EVEN GET SCARE WHEN I AM GOING TO CHECK ON MY MORGAGE PAYMENT AND SOME OF THE PAYMENT ARE NOT EVEN POST IT ON LINE, WHEN THEY HAVE DEDUCTED FROM MY BANK, WHY DO THEY ALOUD THOUSE COMPANY TO DO THAT,, THATS VERY STRESSFULL, XXXX XXXX XXXX SHOULD BE SUE FOR SELLING OUR MORTGAGE AND NOT LETTING MORTGAGERS NOW, AND PUT US IN THOUSE PEOPLES HANDS TO MADE OUR LIFE MISSERABLE, I AM SO MAD AND FRUSTRATED. NEED HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Hello, My original mortgage was with XXXX, who sold my mortgage to SPS. I am behind with my mortgage, but made a payment today. I am not in foreclosure and have been negotiating with them since XXXX XXXX on a modification. However, they are not modifying, just an endless loop of re-sending info. I have made an over the phone payment yesterday, got a confirmation number, but the funds were not deducted from my bank account. I called SPS today, and they confirmed receipt of the payment request, but said they had not presented it to my bank yet. As tomorrow is an important deadline at which they will send my file to an attorney for procedures if a payment was not made, I am so worried that they are illegally trying to foreclose. Here is what I found online : XXXX and XXXX Their history is terrible and they have been playing games since XXXX. What they are doing is scandalous. Please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I went online to the Nationstar Mortgage to pay my monthly bill. Upon entering my login information and sending, I was then asked to enter not only my originating zip code but also my full Social Security Number before proceeding further. This is a terrible affront to online security and should be stopped immediately. There are other ways to verify a user 's information - this is not proper.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX XXXX I froze a joint home equity line so no additional withdrawals could be processed. XXXX XXXX XXXX a {$60000.00} advance was processed, I notified bank within 24 hours of the advance that error had occured. I provided the signed document of the freeze, made several calls, sent emails. I was told they were " diligently '' working to resolve problem and would notify me. I requested emails, did not receive, I asked for corporate office to contact me, not done. It is clear BB & T made a {$60000.00} mistake and has not provided appropriate customer service. I want the {$60000.00} removed from the home equity line. BB & T needs to not hold me responsible for their mistake, investigation into how they failed to freeze the account ( again I have provided them with THEIR form that I signed at THEIR bank ) is not my issue, I am not concerned with BB & T 'S personnel or computer errors or why it occured. BB & T made an error, that has not been corrected nor provided me with appropriate customer service since informing them of the error.

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 2016-02-21 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: E. A. Uffman & Associates, Inc
State: LA

Complaint narrative:
CSD COLLECTIONS IS REPORTING AN ACCOUNT IN COLLECTIONS FOR AN UNDISCLOSED DOLLAR AMOUNT THAT IS NOT ACCURATE. ALL DEBTS HAVE BEEN PAID OFF

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
My mortgage was sold to Nationstar Mortgage by XXXX. I received notice from XXXX concerning the sale, but never received the information about my loan from Nationstar. After many phone calls, this was straightened out, however Nationstar is not honoring the repayment terms according to my original loan. I have electronic payments automatically sent twice a month with a total that exceeds my payment. Nationstar consistently holds the funds without applying them to my account. They then repeatedly contact me falsely claiming that they have not received any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
We have a mortgage with Nationstar that expires XXXX XXXX, XXXX. The loan originated with XXXX XXXX XXXX and is a conventional fixed rate simple interest loan. Nationstar is claiming that we have a balloon payment of approximately {$13000.00} due on the loan. I filed an earlier complaint # XXXX that contained the loan agreement and the modified loan agreement. In order to resolve this issue, it is important that Nationstar provide a complete payment application history all the way back to XXXX XXXX. I personally requested this payment history, and Nationstar said they would be providing it to CFPB by XXXX XXXX which I thought was in relation to the earlier complaint. However, since that complaint has been closed, I am officially requesting that information in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
We missed several mortgage payments with Nation Star Mortgage. When we called to make our account current, they gave us an amount to pay for all months including XXXX ( on XXXX XXXX and we paid it ). Then in XXXX we received notice that we owed backpayment for XXXX as well as XXXX. Throughout the last several months we have submitted payments- which were held and returned eventually- ( they would hold them until new fees accrued and then say our payments were not enough to cover the amount plus those new fees. ) They have lied repeatedly about how and when we could make payments. They consistently 'lose ' faxed information- or even say that we did n't sign- even though we have copies of the faxed documents which show that we signed or included information which they say is " missing ''. Now they are foreclosing on our house. They will not provide a reinstatement quote. The amount we owe changes by hundreds of dollars between people in less than an hour of time. XXXX agent told me if I made my payment out to him personally, he could accept it and apply it to our balance. The fees are exorbitant, and they will not tell us what the fees are for. All we want to do is pay the money and keep our house, but they are making it impossible- by not allowing us to know the amount we would need to pay. Legal documents that we have received from them have things crossed out and handwritten in. Pages have been omitted, and then someone blacked the page numbers out so that it would appear no pages were omitted. We are never able to speak to the same person twice. It takes hours on hold to even talk to an actual person. They have terrible customer service, they lie, and I feel they are predatory.

Company response to consumer: Closed
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Since the transfer of my mortgage to Nationstar from my construction company 's mortgage company there have been an endless stream of problems. First off they messed up the Escrow account by not paying my property taxes and sent me a XXXX refund. This refund had to be repaid a few weeks later as it was identified it was sent in error and then the taxes were paid late. This then started ongoing Escrow re-calculation and payment problems that are still unresolved nearly a year later. Despite numerous lengthy phone calls to their Escrow Dept and promises that it would be resolved the problems continue. All of my payments are made on time but because of Nationstar 's inability to resolve the problems my monthly payments are held in suspense which then trigger daily " collection calls '', in some cases multiple calls each day, including weekends. I have spoken to multiple customer service agents that always state they can see the problem and will resolve it but to date this has never happened, usually with only part of the problem being fixed and a new problem surfacing. Additionally, Nationstar Escrow Dept did not pay my home insurance coverage upon renewal, resulting in the policy lapsing. Nationstar claim that the Escrow did not cover insurance which was not how it was originally setup and fortunately I was able to resolve this with the insurance company directly who reinstated the policy. 
8 months later and there are still issues on the account. I am still receiving harassing phone calls daily from collection department agents and repeated threats to report me to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I applied for a home refinance loan and used an appraiser my lender sent. The appraisal came back significantly low and I was not able to get qualified. This was a poor appraisal because it did not accurately reflect my home worth. 
The appraiser used homes outside my subdivision even though they are still building in my area and new homes have sold. The current builder in my subdivision has starting prices higher than what I bought my house for. I contested the appraisal by submitting additional sold homes in my area but nothing was taken into consideration I submitted. My old realtor found a higher value based on sold homes in my area. My county property tax appraiser would not even honor the vendor 's appraisal because they said it did not reflect the area and did not " feel comfortable '' lowering my taxes to reflect that value. I have supporting documents but not at this time of completing the complaint. Documents can be submitted as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: General Information Services, Inc
State: CA

Complaint narrative:
I contacted General Information Services to verify and validate the information that they have on record as it was incomplete or nonexistent. General information Services failed to provide the signed agreement between me and the original accuser that contained ANY facts that matched what they had in their database system. They did not change the status nor did they provide me with relief for the damages that they caused me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
On XX/XX/2016, XX/XX/2016 BB & T bank charge me overdraft fees of {$36.00} each that amounts to {$72.00}. 
When I log in and open the account online and review the overdraft fee transaction in my account details it says " Your account had insufficient funds to pay XXXX item ( s ). BB & T returned the following item ( s ). 
Total Item Amount : {$.00} TOTAL RETURNED ITEM FEE ( $ XXXX/ITEM ) : {$36.00} " The message above in parentheses is ambiguous. This message is not complete. This message shows no useful information other than the amount that I am being charged. This message does n't tell me what item was returned making it impossible for me to resolve this with the party that did not receive the payment. Whenever a check is returned not only does BB & T charge a fee but the receiver of the check also charges a return item fee. And I feel that these insufficient fund charges created by BB & T are not warranted and not justified. What BB & T has done is create a very being problem that not only cost me money for their overdraft fees but cost me money for the fees that the payment recipient charges to me as well. 

On XX/XX/2016 I was charged {$36.00} dollars for insufficient funds available. My available ending balance on XX/XX/XXXX was {$2500.00}. My available ending balance on XX/XX/XXXX was {$2600.00}. My available ending balance on XX/XX/XXXX was {$2700.00}. I do n't understand how I could have overdrafted. I certainly had enough money to cover any bills. 

On XX/XX/2016 I was charged {$36.00} dollars for insufficient funds available. My available balance on XX/XX/XXXX was {$3100.00}. My available ending balance on XXXX was {$3200.00}. My available ending balance on XX/XX/XXXX was {$990.00}. I dont understand how I could have overdrafted.

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 2016-05-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
Quicken Loans pulled {$310.00} out of our checking account and put it into our escrow account without our consent. When I brought this to their attention on XXXX/XXXX/16 they admitted that it was their mistake and they would make it right, however all I get is the run around that they are looking into this and I was supposed to get this money returned within 72 hours into our checking account and I still do not have the money! I called again on XXXX/XXXX/16 and again was given the runaround that some other team will look into it on Monday XXXX/XXXX/16. I need this money! It took them but a nano second to take the money from my account, now why ca n't this be taken care of as fast? I am sitting with {$2.00} in my checking account and really need this money! This amounts to theft in my eyes and fraud! That they can go into someones checking account and take money out without consent and then give the consumer the runaround to get their money back is just not right! I do n't care how nice they are on the phone! I want my money and I want it back now!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BB&T CORPORATION
State: FL

Complaint narrative:
REGIONAL ACCEPTANCE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you REGIONAL ACCEPTANCE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : REGIONAL ACCEPTANCE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation