vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I am not sure that the choices above fully cover the issue. There has been an ongoing dispute with XXXX since XXXX XXXX in which they have monthly inflated fees and charges for who knows what. I have filed previous complaints with this agency and others agencies regarding billing for services that I disputed and service that I did not receive. I tried and finally got them out of my life by signing with a company of my choosing, however to date I have gotten inflated bills and for the last several months I have gotten this same bill for {$270.00}. XXXX has billed me for months for an outrageous amount they claim I owe and I in turn insist I owe them nothing and submitted proof of that fact to several agencies including yours. XXXX threaten debt collection and to affect my credit. I submitted a cease and desist letter and I told them I was n't paying them nothing. As an end result a debt collector sent me a letter dated XXXX/XXXX/XXXX that I received XXXX/XXXX/XXXX regarding this matter. The company is McCarthy , Burgess & Wolff. It is claimed to be signed by a XXXX XXXX with XXXXbusiness but has this company 's email address. I have had no contact with XXXX since they left in XXXX and they are no longer in the cable business. In this letter, I am warned about three bullet points stated in the letter as a cautionary or threat before I respond. All three of the bullet points are from the prospective of XXXX and is false. I have not been given an opportunity to defend myself again nor has the debt been verified by this company. I am again asking for help. It is apparent that this debt collector is attempting to re-write the facts in an attempt to extort money from me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am behind on my house payments and need help saving my home from foreclosure. I reached out to Nationstar and have provided them with the paperwork they requested to review me for a modification but I have a sale date scheduled on XXXX/XXXX/16. They are now telling me there is not enough time to finish the review and that my home may go to foreclosure. Please help in any way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
Nationstar Mortgage is currently servicing the note for my Pay Option ARM loan. It was originated by XXXX in XXXX, sold to XXXX XXXX XXXX, then sold to Nationstar. My complaint is this company is knowlegable that they are sending inaccurate loan statements for this loan and is doing nothing to resolve the problem. 
Last year I began receiving inaccurate loan statements beginning with the XXXX XXXX, XXXX statement which coincides with an annual loan interest rate review and loan amount recalculation. Specifically, the printed loan payment amounts of Options XXXX,XXXX,XXXX were the same amount with different consequences. I initiated a payment amount correction inquiry with the Research Reference number XXXX which resolved the XXXX loan statement error within 30 days. 
A few weeks ago I received an inaccurate loan statement for the XXXX XXXX, XXXX statement with the same issue. After spending several hours on the phone with customer service reps who were not able to provide accurate information or were unknowledgeable about the existence of a special loan services department within Nationstar mortgage, and asking them to correct the loan statement problem in their computer system and not having a remedy, I feel the need to file a complaint to the federal government regarding this company 's unwillingness to correct the problem of sending out inaccurate loan statements for this pay option ARM loan. 
After several hours of inquiry, I was informed that XXXX in Special Loans, extension XXXX was the key person that handles these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
XXXX XXXX, XXXX Last year around XXXX worked with Quicken Loan to Refinance the property at XXXX XXXX XXXX XXXX XXXX They order an appraisal which was done on XXXX XXXX, XXXX. The appraisal done had many problems such as wrong sq ft by less than XXXX, room XXXX XXXX XXXX, we have solar and no mention at all as energy efficient item. 

The Indicated Value by Sales Comparison approach was {$320000.00}. 

The report has a home listed that was sold on XXXX and XXXX homes closer to our sq ft & lt ; XXXX XXXX XXXX XXXX CA. Sold for {$430000.00} on XXXX - XXXX, XXXX sq ft and XXXX XXXX XXXX XXXX XXXX sold for {$75000.00} at the end of XXXX - XXXX sq ft & gt ; were not used as comparison. The rule is not to use homes so old that values are not comparable and locate XXXX for value approach that are closer to sq ft that the XXXX being appraised which he did not do! 

The Porch/Patio/Deck says large deck. The appraiser stated our decks sq ft was XXXX. The XXXX decks, around our house, measure XXXX sq ft. So value approach not added correctly! 

Solar owned by us is given no value which is a XXXX, XXXX panels at a cost of $ XXXX! 

The house building sketch was not correctly drawn, very poor and incomplete! 


The indicated value by cost approach arrived by the appraiser was {$420000.00}! 

The opinion of site value of {$20000.00} is of raw lans where our property has the infrastructure, water, sewer, electric phone, cable, foundation, walkways etc.! A {$60000.00} is the number both a builder and the California XXXX appraiser feel is better for a property with infrastructure! Again the report stated the Sq ft was XXXX which is wrong and is XXXX! 

Depreciation used of {$120000.00} assume no improvements to house since built! The interior of the house floor XXXX has been totally remodeled, and floor XXXX has new rugs and bathrooms improvements which the report does not mention. 

The report mention a large decks but we have XXXX decks which totals XXXX sq ft. and the drawing lacks too many sq fts.! 

The appraisal has no costs associated with the Solar, which is owned by us at a cost of {$2100.00}! 

The value arrived makes the house cost approach impossible to rebuild! Our Insurance agent provides a value at the low end of {$170.00} and up! 

All this information was provided to the Quicken Loan folks and there reply was that the Appraisal was done correctly per the Appraiser! 

Quicken Loans provided no support and/or investigation to determine the correct information!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Green Trust Cash, LLC
State: CA

Complaint narrative:
I received a letter from XXXX, dated XXXX XXXX, 2016, attempting to collect a debt from a short term loan company named Green Trust Cash. Green Trust Cash appears to be either owned or associated with an online lender by the name of the XXXX XXXX XXXX ( XXXX ). Both entities appear to be managed by XXXX : Green Trust Cash references XXXX XXXX Tribal Complaint Hotline ; XXXX XXXX lending references the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX, the loan in question was made to a person unknown to me, named XXXX XXXX, who used my credit details to obtain the loan. I am not sure if XXXX XXXX are under the authority of the FTC since they are legally considered sovereign nations. But if they are I would like to report an improper loan process. Had either of the original loan makers or the debt collector bothered to inquire with any of the credit reporting agencies, they would have discovered I have a credit freeze on all of my accounts, which requires that lenders check with the major credit reporting agencies as well as to directly speak to me before approving a loan. I received no such call from the lender and the credit reporting agencies say that no such inquiry was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Over the last seven years we have tried to work with our mortgage servicers, ( Nationstar ) to attain a permitted modification. We are victims of abusive loan practices. All of the modifications that we attempted from Nationstar were 2 % interest only and reverted back to the original terms of the loan 's interest rate of 8.350 % ( see attached ). Due to the crash of the housing market, our home was upside down and our servicers were not willing to make any reduction in principle balance, or forgiveness of fee and penalties. We were informed that private investors owned our loan and that they were not held to the same standards as commercial investors. We have hired attorneys to represent us in finalizing a permanent modification change. We knew that our loan was through XXXX XXXX. ( XXXX XXXX were no longer in business ) With that being said, our attorney would say that our loan was through XXXX or XXXX XXXX XXXX. We hired the XXXX XXXX Firm. We paid the XXXX XXXX XXXX {$3500.00}. They closed down. Once again we were offered in home modification with Nationstar, interest only 2 %. Next we hired Preferred Law in XXXX 2015, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. We paid them {$3900.00}. They were able to get XXXX different modifications XXXX Modification required a good faith payment of {$5800.00} and monthly payments of {$2300.00}. After two years, XXXX modifications would revert back to the rate of the original loan./ XXXX Modification required a good faith payment of {$11000.00} and monthly payment of {$2700.00}. The last Law Firm we hired was XXXX XXXX. XXXX claimed to sue the servicer Nationstar. We paid them {$7000.00}. ( XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX ) ). I have receipts verifying payments that were made to the different law firms. The first two years of the loan, payments were made on time each month. After the first year of our loan, I applied to refinance. I was denied twice, having a credit score of XXXX. After the first year of the loan we paid {$55000.00} in interest only. We were faced with a financial hardship and need help with modifying our loan. And it has been a down hill spiral ever since. We would like your assistance investigating Nationstar ethical practices of servicing home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I erroneously drafted an electronic check ( bill payment ) to my credit card company ( Best Buy ) for XXXX as opposed to XXXX XXXX XXXX/XXXX/16. Absoutely my error. When I caught the error, and tried to stop the check on the bank side I was told it was not possible since the " draw '' had already been initiated from the bank side, and was requested to contact the credit card company. I did so immediately. I was informed by Best Buy that they also were unable to do anything until the payment was actually posted. When it finally did post on XXXX/XXXX/16, I called and was told a refund would take 30 days to process unless I could provide a fax from the bank indicating that the check had cleared, If I could do so I was told that an epedited return could be handled in 4 days. The bank did so on Friday XXXX/XXXX/16, at my bequest. I have called Best Buy several times now, and am being told that it takes several days for a fax to show up, but that they have acknowledged an expedited request for refunding the entire payment. Unfortunately, now they are reporting that thsi will take 9 days to process. I am simply asking that the amount be returned immediately via ACH, in the same way that it was easily processed in a couple of days. I find it egregious that these delays are acceptable in today 's world of immediate electronic transfers.

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 non-monetary relief
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I am a realtor. I have a buyer who is going to be left homeless and a XXXX year old seller who is not in good health. We had a contract with select portfolio services to close on XX/XX/XXXX. Because of the new trid guidelines and christmas we had to go beyond XX/XX/XXXX. Everything was done and ready to close and select portfolio was informed but has refused to settle. The loan came from XXXX. I do n't see how it is fair for big banks who got bailed out to basically spit in the face of the american public because the new trid regulations caused a delay. They are ruining XXXX peoples lives and ones health and are using a new government regulation to do it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
On XXXX XXXX XXXX my loan was switched from XXXX bank to SPS servicing. They are Debt collectors not a Mortage co. With several calls being made every month It took until XXXX XXXX to finally get the payments applied correctly. They got it rite for while then XX/XX/XXXX it started again payments being misapplied or held in a " unapplied balance " line till the next month. I called this weekend when I saw the mistake and left a message and they did n't get back to me until wed afternoon. Again they are being corrected but each time this happens I lose the time and interest from when it was received by them and then applied days or weeks later. I ca n't figure out how to calculate that and what I 'm losing but what I 'm really worried about is if they ca n't do normal banking without incident are they calculating my Mortage correctly? I make extra payments every month in an effort to pay it off quickly so I can retire but wondering if I 'm being cheated. Whether deliberately or by mistake I 'm still the one on the losing end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
im write for someone to help me with my mortgage i been fight with my mortgage company for over1 yaer .im doing a loan modification i send all my document i will call to check on my documents they will say call back in 2 to 3 day they to be scan in I call to speak to my relationship manage the number allways busy .call to speak to someone in customer service they tell me to send the same documents i just send.NOW WE ARE WITH A DIFFERENT MORTGAGE PLEASE HELP ME!!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
I became XXXX in XX/XX/XXXX. All my reserves were spent on medical costs. Missed a payment on my mortgage XXXX. Rec 'd notice of intent to foreclose from XXXX XXXX. Vacated the house, in anticipation of foreclosure. Filed bankruptcy XXXX, discharged XXXX. XXXX XXXX XXXX completely disregarded the bankruptcy and continued to try to persuade me to pay the mortgage, until XX/XX/XXXX, when they sold the mortgage to Nationstar. Nationstar continued to send me statements on a nonexistent mortgage. Both companies applied homeowners insurance to the property and told me I was responsible for that debt, too. XXXX XXXX XXXX went so far as to put retroactive homeowners insurance debt on the property, dating back to at least a year before I stopped paying the insurance myself ; also dated before the bankruptcy by XXXX months. They applied an {$11000.00} lien onto the mortgage, as well. I contacted the Comptroller of the Currency with my complaint with complete detail and, after many months was told that I still needed to pay XXXX XXXX XXXX, regardless of the bankruptcy. This week I received a letter from something called XXXX XXXX XXXX, which claims to be working for XXXX. It appears they are starting the whole process of trying to collect on a loan that does n't exist. I am still XXXX and unable to work. Every month is a struggle to make the Social Security XXXX, now Social Security due to my age, last more than a few days into the month. These banks need to leave me alone. XXXX XXXX XXXX should never have sold this nonexistent mortgage. I communicated all of this information to XXXX XXXX XXXX, countless times, and then, to Nationstar. Every time I receive a communication from these people, I am reminded of everything I 've lost due to my illness. The grief is unending. I do n't need to be harassed by banks that must have real business to attend to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau of Bessemer, Inc
State: AL

Complaint narrative:
I received communication from Credit Bureau of Bessemer demanding payment for a debt that is not mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: IL

Complaint narrative:
Focus Receivables has called my number at least XXXX times with a voice automated message that it was " attempt to collect debt. " I called them back and spoke to XXXX XXXX @ XXXX. She said that I owed comcast an early termination fee from back in XXXX on a business line. I explained to her that there was no early termination fee as it was waived because I upgraded an account simultaneously when this was closed. I told her I had the paperwork that I could show them and already spent 4 months with XXXX trying to resolve the issue. 

She was not interested in any explanation and said that I " simply owe the debt ''

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: CA

Complaint narrative:
Please review previous complaint, case number XXXX, and current complaint, case number : XXXX. This complaint is related to these cases. 

I submitted a complaint against XXXX debt collection agencies, XXXX and Focus Receivables Management ( Case XXXX ) as well as XXXX XXXX XXXX ( XXXX ). I received a response from XXXX XXXX on XXXX XXXX, XXXX which is satisfactory. However, it does not look like the other debt collection agency, Focus Receivables Management, was included, so I am submitted another complaint against them. 

During an interview last month ( XXXX XXXX, XXXX ) with a federal agent to renew my security clearance with the federal government, I was made aware of negative entries on my Equifax credit report, specifically XXXX references to a XXXX XXXX account that is supposedly in collections. The dollar amount is similar to a previous case ( See my complaint, case # XXXX ) where a debt was mistakenly attributed to me and I was targeted by a collection agency. As you can see from the attached documentation and from the notes in the previous case, this debt was never mine and was eventually cleared ( supposedly ). In a letter dated XXXX XXXX, XXXX, the Collection agency stated that XXXX XXXX notified them that the account had been cancelled and removed. 

I am not sure the XXXX collections accounts listed on my current credit report are related or not. However, I have never been contacted by XXXX XXXX at any time, and I have never been contacted by a collection agency since this issue was supposedly cleared last year. The reference to it on my credit report is my only indication of a problem. I have already disputed both accounts with XXXX. 

This debt ( s ) is not, and never has been mine. I know nothing about it other than what I see on my credit report. However, now it is directly affecting my credit rating, and worse, it may potentially affect my security clearance and therefore my prospects for future employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: WV

Complaint narrative:
I continue to receive calls from Chase Receivables concerning a debt owed by someone that I do not know and who does not reside at my address or phone number. The debt call are for someone named XXXX XXXX. These calls have been occurring for over 3 years. 

I have repeatedly requested that my phone number be removed from XXXX XXXX 's database. but they continue to call seveal times every day and harass me about this unknown person. 

I want these call stopped. 

Chase Receivables mailing address is XXXX XXXX XXXX, CA XXXX XXXX XXXX The harassing phone calls originate from 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 2017-03-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was charged approx XXXX overdraft fees, totaling roughly {$1500.00} I was not informed of this and was not given a chance to remedy, and want this money refunded. I was charged approx XXXX service fees, totaling roughly {$900.00} was not informed of this and was not given a chance to remedy, and want this money refunded. Customer Service refuses to work with me and has threatened additional fees if i close and give my business elsewhere. 

My goal is to get 100 % of my overdraft fees and 100 % service fees refunded.

Company response to consumer: Closed with monetary relief