vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Recovery Solutions LLC
State: NY

Complaint narrative:
I received a message on my answering machine this morning. I have no idea who the caller or her company is, or what she is calling about. In the message, which came from XXXX, the woman identified herself as XXXX from Atlantic Recovery Solutions. She claimed that she " received the documents for ( me ) to sign '' and that I should return her call as soon as possible, or else I would need to call a lawyer. Even more strange and disturbing to me is that I just heard from my XXXX mother, who lives several XXXX miles away, saying that SHE received a message. In my mother 's words, " There was a message left by a XXXX XXXX Atlantic Recovery Solutions for [ my name ] and a request to call her at XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
my XXXX homeowner 's insurance has been updated and lowered to {$1400.00} annually @ {$110.00} per month. We 've faxed, emailed and mailed nationstar mortgage over XXXX times and they still fail to update my homeowner 's insurance/escrow records. XXXX themselves has mailed XXXX the new {$1400.00} annual premium records multiple times with no success ... HELP from the CFPB?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Our new mortgage service, NationStar Mortgage, ever since they became our servicer, we are constantly harassed that our mortgage payment is either late or not received complete. When not only do we pay our mortgage on time, but above of what is actually due, so extra funds can go to principal. 

This is an occurrence we now have to deal with in a monthly bases, as every month we are getting harassed by NationStart collections, every time we make a payment. And every time they apologize with telling us it was their mistake ... But every month we hear from them again ... 
We will like to enjoy our home as we are suppose to in piece ... not constantly being harassed, put under stressed and deteriorate our health ... .due to stress ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Seneca Mortgage Lending Services said they paid my XXXX County Property Taxes on XX/XX/2016. XXXX County has no record of payment. Seneca told me they would send me proof of payment, but never did. Now my loan was sold to XXXX XXXX and they ca n't seem to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
SPS have not adequately responded to by QWR and have avoided to answer pertinent questions to my dispute. SPS is not the servicer of any loan in my name, have not paid any property taxes, property insurance or mortgage on my behalf and continues to rely and make false, misleading and fraudulent statements concerning the alleged account in order to foreclose on my property. 

SPS claims that they are required to send me statements by law when in fact there is no law that requires SPS to continue to send false and inaccurate statements through the Unites States Postal Services. 

SPS claims to be the servicer of a loan in my name when it have not participated in any servicing activity and can not prove otherwise. 

SPS claims that it have paid property insurance on my behalf when SPS can not prove otherwise. I have always paid my own property insurance. 

SPS claims that if have paid property taxes on my behalf when SPS have not and can not prove otherwise. I have always paid my own taxes to the county in which I live. 

If SPS or any agent, client, and/or attorney of SPS continues with a foreclosure on my property they will be liable for actual, punitive, statutory and compensatory damages. 

In addition, if SPS or anyone acting on SPS 's behalf continues to send false statement through the USPS mail it will be considered an administrative default to FDCPA VIOLATIONS, VIOLATION UNDER 42 U.S.C. 1981, MAIL FRAUD, AND RICO VIOLATIONS UNDER 18. U.S.C 1961 & 1962.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
In XXXX XXXX our mortgage was sold to another provider. We were never notified of this change. Our new provider, Nationstar, sent this this information to our old address in another state even though the loan stated our current address. We continued making payments to the old provider who was forwarding our payment to Nationstar without my knowledge. In XXXX XXXX, the old provider stopped forwarding my payments and just cashed my checks. This caused me to be 2 months later with my new mortgage provider who sent me to collections and placed negative information on my credit reports erroneously. An investigation between the two service providers determined that I was never late on my payments and the money was sent to the new provider which brought my account current. However the negative information is still on my credit report and I am having difficulty refinancing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
On XXXX/XXXX/15, my wife & initiated a refinance loan application with Quicken loans. Quicken collected {$400.00} good faith fee and shortly thereafter an appraisal was completed on our home. The appraisal determined that some repairs were necessary to satisfy FHA loan requirements. We obtained bids for the repairs and, then, submitted them to Quicken Loans with the request that the cost of these repairs, {$6200.00} be paid from the loan proceeds. In addition, we indicated that we would not move ahead with the necessary repairs, because of the cost, unless Quicken loans confirmed this would satisfy the requirements to close the loan. We received assurance that this would resolve the issue so the loan would be closed, the contractor paid after closing. We had indicated that we would not and could not move ahead and authorize these repairs unless we had assurance from Quicken Loans that this would result in a closing of the loan with the necessary payment to the contractor. We do not have sufficient available funds ourselves to pay for these repairs and we, therefore, requested assurance that this would allow the loan to be promptly closed and the contractor paid. We received several such assurances from representatives at Quicken and, therefore, authorized the repairs. Now, it is over 3 months later, the repairs have been completed and reviewed by the appraiser and Quicken refuses to honor their commitment to us. The contractor wants to know when he will receive payment for his work and we are in the embarassing positon of not have a good answer for him. Quicken has left this in limbo for several months and, seemingly, will not honor their commitment to us. I have assurances from them in the form of emails as well as a confirming email to the contractor on this matter that I copied Quicken loans on over 2 months ago when the repairs were initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
A few weeks ago, I signed up for the Citi ( XXXX ) XXXX XXXX XXXX Signature ( R ) Card. I got the card and notice, my signup bonus is XXXX points. I call Citi and say, how come I 'm not getting a XXXX bonus? The guy says I signed up with a XXXX link. I ask if there 's anything I can do to amend this. 
He says I have to close the account and reopen. This is fishy to me because then I would be ineligible, as I received an offer within the last 18 months when I signed up the first time. He assures me I will get the new bonus, I just have to do that. So I close it with him. 
A week later I apply again, this time making sure it 's a XXXX offer. I sign up and get the card, but I 'm then told I 'm not eligible because of exactly what I feared, I already signed up for a bonus when I applied the first time. I call Citi and they explain why I 'm ineligible. She transfers me to customer service. They understand what I 'm saying and after a long hold, say, " We 'll get you the right bonus but you have to re-open the account you closed. '' OK. 
I ask multiple times, " The bonus I 'm now eligible for is XXXX, right? " Yes, yes and yes. He says to not worry about the XXXX account I opened, he 'll take care of it. Well today I get a letter in the mail, " Thank you for re-opening your account, your card will arrive shortly. '' An hour later, I get an email I was " approved '' for the XXXX account. 
I have called back numerous times since then checking on the status of my account. Every single time, I get a different answer from a different person. I have been deceived by Citi and they continually do not honor the things they tell me. 
Now they tell me I have XXXX accounts and I can not receive a bonus offer on either XXXX of them. I am extremely dissatisfied and feel lied to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
FOR THE LAST 18 MONTHS WE HAVER REQUESTED A HARP LOANBASED ON OUR INCOME OR PRINCIPAL MODIFICATION. WE HAVE BEEN GIVE TRAIL MODIFICATIONS AT OVER {$4000.00} PER MONTH WE WANT TO HAVE A AFFORDABLE LOAN SINCE HOUSE IS VALUED LOWER THAN MORTGAGE LOAN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Other financial service — Money order
Issue: Fraud or scam — 
Company: Universal Account Servicing, LLC
State: CA

Complaint narrative:
To Whom It May Concern, This complaints is against XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, all formerly of XXXX., and recent defendants of a FTC civil action complaint in United States District Court District of Nevada Case XXXX and XXXX, XXXX , A Wyoming Based Limited Liability Company ( all owned by the XXXX ) and XXXX of XXXX. These criminals are at it again. There was no justice served in their years of defrauding countless innocent victims with their payday identity theft fraud scam so they simply changed outfits and started all over again before the ink was dry on their case filed in 2013. I have several documents to prove my complaint. All available to make sure these criminals are stopped in their tracks. 

I was presented an opportunity to purchase a turnkey fully functioning business with a guarantee of business funding with my good credit to support my entrepreneurial aspirations by the aforementioned ; via my trusted business advisor who no longer associates with any of them due to the discoveries within this complaint. The ecommerce business that was sold to me was to come with pre-existing sales, established web traffic to an existing website, customer service, a XXXX system, media buys all provided by a company reported by the XXXX to be a Wyoming based XXXX under their direct ownership by the name of XXXX. Upon further research I 've discovered all were lies. Nothing was set up with this turn key business by the XXXX. In fact they were doing nothing more than making false claims. Instead of immediately receiving what I was promised I was harassed for finance payment by XXXX XXXX, the shady " lending '' company who supposedly financed the sale of the business on the strength of my excellent credit. Even after I tried reaching XXXX to no avail to discuss my displeasure with the behavior and lack of performance as contractually obligated by the criminal XXXX family I was still harassed at my work place and at home. For this agreement with the fraudulent " XXXX '' I was charged a fee of thousands of dollars for nothing that the Sunyiches nor XXXX XXXX actually provided. The fact of the matter is they are both frauds that should be reinvestigated for all of their current business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: AZ

Complaint narrative:
My balance have not changed since 2012 ... never missed a payment until recently due to medical issues. I 'm currently on XXXX and trying to work with them. I have XXXX with XXXX and they threaten to get the car. My interest is too high and I 've been struggling to make payments. Is it legal to take money and no change in balance?

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 2016-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar XX/XX/XXXX. Spoke to XXXX. I explained for the 20th time that I am owed 2 months of PMI that would equate to around {$500.00} or {$600.00}. She transferred me to a Supervisor from escrow? After a 30 minute wait. XXXX. Manager in customer service of NS. Said he would follow up with me by XXXX but would call me or email me if he learned something sooner. 

XX/XX/2016 XXXX with Nationstar. Said he could not find my signed form to get my credit for the {$5000.00}. This is at approximately XXXX FL time. Then I talked to XXXX said she was a manager. Said she sent a notice to the dept that handles the {$5000.00} credit to let them know it needed completed. Next I spoke to a PMI manager. Well then she said he stepped out. Said she would call me back in 30 minutes about the PMI. And in a few days she would call me back about the {$5000.00}. XXXX manager of PMI called me at XXXX. Said it 's probably been too long since it happened. Not my fault. I 've asked almost every month. 

XXXX called me again XX/XX/XXXX at XXXX and now said my PMI should not be removed until XXXX but since it 's off now they 're not going to add that back in. He said my payoff has to be at 78 % to have PMI removed. I 'm at 75 %. Sounds like falsification to me. He said the PMI should not come off till XXXX. 

XXXX also said he sees where the {$5000.00} incentive was to come off in XX/XX/XXXX. But he also said he sees where Nationstar requested it from the government on my behalf on XX/XX/XXXX. Something smells fishy These are my notes of just some of the dealings I 've had with Nationstar in hopes of 1. Getting my correct refund for overpayment of PMI and receiving the {$5000.00} credit off my principal. Now there 's a third issue. I made my regular monthly payment in XXXX. I have the confirmation email that was sent to me. But the funds have not been removed from my account I called and spoke to Nationstar and I called my bank and I have sent them three emails and this is still not been taking care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I am having issues with understanding my escrow statement from Nationstar. I am getting charged a USDA fee, which makes no sense to me. USDA loans from my understanding have the PMI paid up front. I called to get some clarification, but was hung up on the line after getting clarification. I just placed the call today at XXXX EST. Also the numbers do not add up on the bottom of the escrow statement. As soon as I start subtracting the numbers within the account history, they do not match. Hence this leads to confusion on getting actual numbers and why my payment got increased {$200.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
XX/XX/XXXX I got behind in my mortgage payments. My mortgage is a Texas Fixed Rare Mortgage. XXXX XXXX XXXX transferred it to Nationstar and I returned it to status. I did not sign a Modification at any time increasing my interest rate at any time, XXXX it was increased to 5 %, which put a burden on me and my granddaughter, we are on food stamps and Tanf. It is illegal to do this without written authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I called a couple dozen loan companies to find Refinance rates XX/XX/2015. Not as single company was given my social security number. When I filled out forms I NEVER gave my social security number or authorized any credit checks. Quicken Loans was the ONLY company to run a credit check & they ran a " Hard Credit '' check. I have screen shots from filling out there form that show diffinatively I never gave them my SSN & the form specifically says they are NOT authorized to run a check. On XX/XX/XXXX I saw a " Hard Inquiry '' was run by Quicken Loans. On XXXX XXXX, 2015 I logged on to XXXX ( Quicken loans web site ) to confirm they did not have my SSN. I have a screen shot of the form that shows that they were never given my XXXX. At first they said they ran no credit check. Then they said they ran a check and that I authorized it. Then they deleted me from XXXX and said they did n't run a credit check. In the end they said I ran a credit check and I authorized it. THE SCREEN SHOT PROVES THEY WERE NEVER GIVEN MY SSN. They took the information I provided and STOLE MY SSN and then ran a " Hard Inquiry ''. I reported all this to the credit reporting agency " XXXX XXXX '' and gave them the screen shot proving my SSN was stolen. And the screen shot also says I was not authorizing a credit check!!! XXXX XXXX, which appears to be a branch of Quicken Loans, said I gave " implied concent '' even though the screen shot specifically says the opposite. Quicken Loans stole my SSN. I have provided a list of all the executives I spoke to and there numbers. I tried for over a month to get them to correct it, even sending them the screen shots. They claim now that my MyQL.com account was deleted by accident. This " accidental deletion '' occured on or about XXXX XXXX, 2015. The executives at Quicken Loan are clearly covering this up at the highest level as only they could have there IT person delete me. They deleted me before they were notified by me that I had a screen shot already that proved what they did and that they stole my SSN and ran an unauthorized credit check. Even in the face of this evidence they are now saying I authorized the " hard inquiry ''. I authorized no inquiry of any kind and this is proven by the screen shot. I do n't know for sure how they got my SSN but I suspect that their credit agency, XXXX XXXX, stole it for them and then they used it to run a " Hard Inquiry ''. Again, I inquired with about XXXX dozen other companies at the same time period about their rates thriough online forms and over the phone and not a single other company ran a credit check because I NEVER GIVE OUT MY SSN!!! My fiance, XXXX XXXX, has the screen shot and emails sent to those involved on our home computer and can send the proof right away if you call him at XXXX or you can call me, XXXX XXXX at XXXX and I will have him email you the proof from my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened a Citibank checking account in XXXX XXXX and was supposed to my XXXX bonus points after 2 months of opening it. I was told that i had to satisfy another requirement and that i would get my points 3 months after that. I emailed Citibank in XX/XX/XXXX asking about my points and then 2 more times since and was told that i would get my points on XXXX/XXXX/XXXX. That time has now passed and i still have not received my points. I believe this is deceptive and very confusing marketing, also it will be 7 months since i opened my account and i still have not received any points. That is very ridiculous and I am still waiting while they continue to charge my a monthly fee for my checking account.

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 2016-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
Missed call from XXXX on XXXX XXXX, 2016 at XXXX Caller left a voicemail : three seconds of silence. 

Missed call from XXXX on XXXX XXXX, 2016 at XXXX Did not leave voicemail. I called the number back and received the message " We 're sorry, you have reached a number that has been disconnected or is no longer in service. '' Received call from XXXX on XXXX XXXX, 2016 at XXXX 

They asked for an individual that was not me. On this call I learned that they were GC Services LP and given the phone number XXXX. I asked for more information about the call and how they obtained my phone number, but was not given a clear answer. One method they said was a database, that the company gathers information. Another method they said that the individual that they were trying to contact had written my phone number down, but quickly retracted the statement. After a few attempts, I was able to be connected with someone who was able to provide me their mailing address, XXXX , Ohio , XXXX. I asked if they would be able to confirm that another phone number belonged to them, [ hoping to confirm whether or not the XXXX number belonged to them or another telemarketer ] but they said that they do n't always know what phone numbers show up when they call. I then told them that my phone number was not a good contact phone number for the individual that they were trying to contact and asked to be taken off of their contact list. 

I then called XXXX to try to verify the XXXX phone number, but they were unable to assist with that issue. The operator did say that I was put as a reference for the individual that they were trying to contact and that is why they were calling me.

Company response to consumer: Closed with explanation