vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I had a large job camcelled last fall. No money, but I got some Smaller jobs to help pay other bills. We applied for a HAMP modification about XXXX months ago. And the requests for the additional documents never stopped. " Oh, those XXXX are 90 days old now, you have to resubmit ''. Etc. each and every time they ( SPS ) was reviewing my file, they told me " this may be referred to an atty for legal action. I finally said, " are you allowed to say that while we are in the Federal HAMP program ''?. " Everything we do is in accordamce with the law I was told last week. I resubmitted my wife 's XXXX last week. I call back today for an update ( i called a day after I sent the XXXX to make sure they got them, amd they did ) and the woman tells me " your loan has been recerred to an atty for foreclosure. But no date has been set. 
And then she adds " it may take up to 30 days to review the HAMP application ''?! 
Is n't this called dual tracking? Formerly called parallel foreclosure? 
XXXX. 
I have spent the last 3 months linkng up work to get a large chunk of the arrearages paid down, ( XXXX-XXXX out of {$18000.00} ) and am working 6 & 7 days per week. And now they pull this? I thought the various " settlememts '' among the state AGs were to put an emd to this. I will have to speak w an atty about filing a complaint for mental duress. Or similar. Please see what you can do. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I made a purchase on XXXX. I went through paypal to make the payment with my credit card on file. On XXXX XXXX, 2015 I received a notice that paypal had ran a credit check on me which I did not request or authorize. On XXXX XXXX I received an email from Paypal Credit saying that they had approved a credit line for me for {$1200.00} Again, I never knowingly applied for a credit line. Why would apply for a credit line for a {$38.00} purchase that I could use my credit card for? I called paypal through XXXX to report fraud today, XXXX XXXX and paypal told me it was for my purchase on toyrus.com and they would immediately close my account. They claimed that I would 've had to go through the process of filling out an application for an account which I never did. I still have to go through the process of paying the balance because they would not take credit card payment, they would only take a bank account payment so I have to wait for them to send me a paper statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
On XXXX XXXX, a QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT, VALIDATION OF DEBT LETTER, & TILA REQUEST was sent to Nationstar Mortgage on behalf of our client. Per RESPA law, we are required to receive written acknowledgment within a few days. On XXXX XXXX, nearly 17 days had passed with no acknowledgement. I called Nationstar and spoke with an agent who faxed me an acknowledgment letter dated for XXXX XXXX, advising their goal was that a full response to our request would be provided no later than XXXX XXXX, 2015. As we have crossed that deadline, today i called Nationstar to find out where our legally required response would be. I was advised by an agent named XXXX, that although they acknowledged receipt of the QWR verbally and in writing, and even established a time frame for this response - that Nationstar has seemingly ignored the complete request and we would have to send another to POSSIBLY get a response. As this violates RESPA and TILA protocols, we have escalated to complain through your regulatory agency, who has jurisdiction over RESPA matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc.
State: FL

Complaint narrative:
This company is trying to collect a debt that the VA has already paid. This is in additon to XXXX others they are trying to collect that the VA paid

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Nationstar Mortgage is inaccurately reporting negative information on my account to multiple credit reporting agencies. I have previously disputed this issue and Nationstar has not made the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Transaction HistoryI have an FHA loan, that was originated by XXXX XXXX XXXX, with an escrow account, which was established during the proceedings of the loan. The escrow was a requirement for disbursement of the loan. A schedule of financial disbursement from the escrow account was also within the loans associated paperwork. The loan was finalized on XX/XX/XXXX. My loan was then sold to Nationstar Mortgage and my first payment to Nationstar was recorded as XX/XX/XXXX. The next scheduled disbursement from my escrow to my insurance provider was to take place XX/XX/XXXX. 

The IssueThe funds allotted within my escrow for my home owners insurance/hazard insurance where never disbursed to the agency on the scheduled date. Nationstar continued to collect escrow payments for the months of XXXX and XX/XX/XXXX with out disbursing the funds to my insurance provider. When my insurance was canceled due to " Lack of payment '' in XX/XX/XXXX Nationstar then within that same month purchased Force-Lender insurance through XXXX that same month. I lost my homeowners insurance policy and had to pay a considerably higher premium for the Forced-Lender insurance provided by XXXX. 

Other FactorsI thought that under the Real Estate Settlement Act - Section 6 it was the responsibility of the mortgagor to distribute funds to the insurance agency in a timely manner in order to retrain the current policy. 

I can also do not understand how my mortgagor after not paying the insurance agency from my escrow could justify purchasing an insurance policy with such a substantially higher premium that exceeds that of any major provider. More especially so given the fact that Nationstars affiliated and/or subsidiary organization XXXX XXXX XXXX allegedly receives incentives from XXXX for placing borrowers on there insurance policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Atlantic Recovery Solutions LLC
State: FL

Complaint narrative:
A gentleman named XXXX XXXX continues to call my place of employment along with my husbands place of employment after being asked repeatedly not to. I work at a hospital and he tells the operator where he is calling from and that is a personal matter. I have to be paged and it is keeping me from doing my job

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar Mortgage, XXXX XXXX XXXX XXXX TX XXXX XXXX This month, XXXX 2016 this company started requiring social security number to be entered when logging in to make online payments. THIS IS A POTENTIAL PERSONAL SECURITY/IDENTITY THEFT ISSUE. Security questions and XXXXPoint authentication, etc. is intended for this purpose and that Security Questions are available on their web site. Please note that when I tried to change my password and security question answers earlier this year the web site crashed and would not allow these changes. I contacted them several times and was able to change the password once but never the security question answers. It appears that the programmers for Nationstar lack the extensive knowledge to build a secure site. I contacted customer service at the number above and got the standard excuses as to why they must have the SSN and that the web site could not be changed back. Again the demand for the SSN at login is a demand implemented within the past 30 days and so it can be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My home loan payment with Nationstar Mortgage ( XXXX ) is scheduled to increase on XXXX XXXX, 2015 over 100 % from {$3800.00} to {$8400.00}. Nationstar misled me approximatley 2 years ago, by telling me the payment would increase approximately {$1000.00} monthly. That increase is {$4.00}, XXXX monthly. I can not afford that. I would have never signed documentation to that affect had I known the payment would increase so much. Additionally, I am still approximately {$300000.00} upside down in my home. This is former XXXX XXXX XXXX loan # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I was approved for a modification in XX/XX/XXXX and have made all my payments on time. I got married after I got the mortgage so the name on the modification forms were incorrect and the notary the mortgage company would not notarize them. I had sent in all the documents to have them change my name on the loan, several times. As time passed I called several times asking for the corrected documents but never received them. Now the mortgage company is saying my modification was not approved and put my home back into foreclosure with a sale date of XX/XX/XXXX. The mortgage company told me last week to have a friend to notarize the documents with my maiden name and send them in and they will TRY to process them. Is there anything I can do at this time to stop the foreclosure. All my modification payments from XX/XX/XXXX to now have be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Note : This is related to a previous CFPB complaint I filed XXXX/XXXX/XXXX against Capital One. A total of XXXX files are attached including XXXX XXXX XXXX XXXX XXXX and a call log " XXXX. '' THE CALL LOG AND FILE NAMES CONTAIN THE PHONE NUMBER AT WHICH THE CALLS WERE RECEIVED. 
XXXX. Beginning XXXX/XXXX/XXXX while awaiting response from Capital One concerning the CFPB complaint filed XXXX/XXXX/XXXX I began receiving robocalls from " XXXX '' from Capital One. Through XXXX/XXXX/XXXX a total of XXXX calls of this type were received. These calls state " Hi this is XXXX. We would like to discuss solutions regarding an important business matter with Capital One. Please call us back today at XXXX to discuss further. Again the phone number is XXXX. Thank you. '' XXXX. Beginning XXXX/XXXX/XXXX robocalls from a " new '' caller from Capital One named " XXXX '' commenced ; XXXX of this type were received through XXXX/XXXX/XXXX. With XXXX exception all calls from " XXXX '' appear to be the same : " Hi this is XXXX from Capital One. We 've been trying to reach you about an important personal business matter. Please return this call at XXXX. Again the number is XXXX. Thank you. '' XXXX call XXXX XXXX/XXXX/XXXX XXXX just starts with " XXXX '' but the rest of the message is the same. 
Who the " you '' that Capital One has been " trying to reach '' is never revealed in any of these messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
My wife and I submitted a mortgage modification request to Nationstar Mortgage in XX/XX/XXXX, due to decrease in income for Husband 's job. Nationstar did not provide a response to our modification request until XX/XX/XXXX, 1 year later! 
A " sham '' modification was offered wherein a {$8000.00} up front payment was required along with a reduced monthly payment for ONLY 2 years. 
My wife and I appealed the " sham '' modification offer to Nationstar 's Appeals Division. Nationstar did not respond until XX/XX/XXXX, rejecting our Appeal. We, then, accepted the Modification Offer and Nationstar rejected the offer and said a {$14000.00} up front payment was required, with only a two-year " sham '' modification. 
They then sent correspondence in XX/XX/XXXX, wherein they said they were " reconsidering '' the modification offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I received a letter from Attorney 's XXXX. The letter stated that they where sending the letter in compliance with the Fair Debt Collection Practices Act and that I had 30 days to dispute the debt. This is the first communication I have received from this attorney. I did dispute the debt in writing and I sent the dispute to them via Certified Mail. According to the post office and the signature card the dispute was received by XXXX. On XX/XX/XXXX. This is well with in the 30 day time frame. According to the Colorado Attorney General Website " You may dispute the debt ( or any part of it ) within 30 days after receiving the first notice. Your dispute must be in writing. The collection agency must then stop collection efforts until it mails you proof of the debt ( a bill or court judgment ) and the name of the original creditor if requested ( if different from the creditor listed on the collection notice ). '' On XX/XX/XXXX I logged on to the XXXX XXXX Public Trustee 's Website and I notice that they have already submitted the info to the Trustee for foreclosure. They have not responded to my dispute yet and obviously have not stopped the collection efforts. I contacted the XXXX XXXX Public Trustee and they said the foreclosure packet was received on XX/XX/XXXX. In addition they have already scheduled a sale date for XX/XX/XXXX. Before filing this complaint I called XXXX, they said that they are in the process of responding but they can still file paperwork with the Trustee. I have clearly been taken of advantage of and lied to by the banks and lawyers and they should at least be made to follow the laws. It appears to me that between Nationstar and their attorney they have already violated the Colorado Fair debt collection practices act 3 times in trying to collect this debt. 
1. by not halting the foreclosure efforts when the debt was disputed2. by not maintaining accurate accounting records3. by not listing work out options on the initial collection letter from the attorneyPlease help me to stop another wrongful foreclosure case. If you need more information about the previous filed complaints please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Applied for a loan with XXXX XXXX, a loan broker in XXXX, TX. The loan was quoted verbally on XXXX/XXXX/15 by XXXX XXXX as 3.25 % with total fees of {$1800.00} to be paid. This loan was XXXX option on the original GFE issued by Quicken Loans, although the {$1800.00} in fees was higher than on the GFE. Quicken issued several subsequent GFE 's, each one incorrect. As of the day of verbally being advised of loan approval, a correct GFE had not been received, however, we continued to proceed in good faith. A correct GFE was never received prior to closing. The final, incorrect, GFE, arrived via USPS on XXXX/XXXX/15, the day of closing. Despite being advised of loan approval on Friday, XXXX XXXX and requesting both the corrected GFE and HUD statements several times between that date and our scheduled closing of XXXX/XXXX/15, they were not received in a timely manner. On XXXX/XXXX/15, the business day prior to closing, the HUD statement was received late afternoon. Upon review it was noted that again, the loan numbers were incorrect. There were origination charges and fees totaling {$4100.00}, or {$2300.00} more than quoted. A call to XXXX XXXX of XXXX XXXX the morning of XX/XX/XXXX advised of the error and a correction requested. After reviewing with the loan processor, XXXX XXXX advised that the numbers were correct and that there were origination charges tied to this particular loan, which was not what was verbally quoted nor in the original GFE. She also advised that we could change to another loan, but that would take a minimum of 3 days to process. As the closing was out of state and had already been delayed XXXX, my husband and I would have to find another time to travel, incur additional expense, etc., we decided to go ahead with the closing even though the figures were incorrect and the loan was not the one that had been promised. 
XXXX XXXX did refund {$470.00} which was the cost of the appraisal on the property, however, even with this refund, charges incurred on the loan issued by Quicken Loans were {$1800.00} more than originally quoted by XXXX XXXX. 
Complaint : Despite numerous requests through our loan broker for a corrected GFE, Quicken Loans did not provide the GFE on the loan that was purchased until the date of closing, at which point it was too late to make any corrections for their errors. The HUD statement was also not issued until the very last moment, not allowing time for any corrections without delaying closing. 
An aside, XXXX XXXX advised that information from Quicken was sent via USPS and e-mail, however, no e-mail was ever received from Quicken Loans. 
I believe that this issue is an unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage servicer changed to SPS in XXXX and there have been nothing but problems ever since. 

They do n't process my payments correctly They printing erroneous statements They refuse to answer questions They refuse to XXXX me the record of my past payments. .. 
Now, they are illegally changing the interest rate and payment amount every month when that is allowable only once per year ... .. 

It 's outrageous!!!! 

I 'm XXXX. Never missed payment in 16 years. 
I want them fired ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Recovery Solutions LLC
State: MI

Complaint narrative:
My complaint is against the offices of ARS out of XXXX NY. They are collecting debts on behalf of XXXX XXXX. Yes, I do owe them money, however, I am working through XXXX XXXX XXXX to negotiate this debt and repay what I am able to afford. I have not flat out refused to pay this money, but they have flat out refused my negotiation. I have no problem with them calling me, but they have contacted my husband, my mother, and now my grandmother who are not associated with this debt. I feel this is a violation of their privacy, and it needs to stop immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am a XXXX year old man trying to hold on to my home. I was two months behind when I contacted XXXX XXXX around XX/XX/XXXX at Nationstar bank trying to set up a payment plan. After about an hour or so being on the telephone we hammered out a payment plan : The agreement is as follows : XXXX payment for {$290.00} Confirmation # XXXX : XX/XX/XXXX payment for {$1000.00} Confirmation number XXXX, XX/XX/XXXX payment for {$1000.00} confirmation number XXXX. 
Prior to the confirmation of the payment arrangement by Nationstar I had to be qualified on on the telephone. Per Nationstar instructions a telephone call had to be made every two months to set up the automatic payments going forward. I contacted Nationstar who gave me a confusing answer about my payments, Nationstar said they were returning 3 payments back to me of {$1800.00}? According to the payment plan which I have kept, Nationstar should have received the aforementioned payments of {$290.00} and {$1000.00} which does not equal {$1800.00}, because I have never received a escrow analysis I have no idea what the lender is holding in my escrow account to be applied to my payments. 
Nationstar in my estimation is trying to take my home illegally, despite the fact that I made arrangements with them to pay back my loan, Nationstar is breaching our agreement, and I am to old and frail to fight back.

Company response to consumer: Closed with explanation