vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Consumer Real Estate Finance Co.

Complaint narrative:
Our Loan Officer, XXXX XXXX, Mortgage Consultant XXXX # XXXX, with Consumer Real Estate Finance Company. 
Has been more than usual rude, disrespectful, condescending, non-communicative, etc .... with us the clients, as well as with our Agent. 
Our agent called us a few days ago to inform us about his behavior with her. 
We informed her that he does have a tendency to sound and act unprofessional. 
So today, I was confused about a email we received and wanted to asks him a question and he exploded on me with his condescending manner and he basically said do n't call me I will call you if I wish to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Office of Joe Pezzuto, LLC
State: CA

Complaint narrative:
I continue to receive annoying/disturbing/harassing phone calls at my place of business from the Law Offices of Joe Pezzuto ( the number identified in my caller ID is XXXX ). When I answer the phone, they either hang up on me ( this happens repeatedly ) or they continue to ask for someone that I do not know. When I tell them that I have no idea who this person is and that they MUST discontinue calling me at work, they typically just hang up ( and call again ). This is my place of business, and I DO NOT know who this person is that they continue to ask for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
My mortgage got sold from XXXX to Nationstar. I did not receive a notice from Nationstar regarding the change, though I did receive a notice from XXXX. I have yet to receive my Nationstar loan number. I am actually in the process of selling my property, and need payoff information. I have tried repeatedly over the past week to get payoff information from Nationstar, and they have been unable to get this to me - saying that it is impossible to do so until the transfer is complete. This seems illegal - to prevent me from paying off my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Servicing ( SPS ) has now contact family member in attempt to harass me for a mortgage loan that was dismissed by a judge. I have made prior complaints on SPS for leaving notes and taking pictures of my property every month on Saturdays, but now they are calling my relative in attempt to humiliate me more. I want SPS to stop with harassing tactics and leave my family and relatives alone. Please advise,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
BB & T bank charges ISF fees of {$36.00}, even though at the time of the transaction and available balance is greater than the transaction. They lump up all pending charges with no regard of when the time of the debit transaction continue to charge ISF for each, even though there was a positive balance available to cover the majority of the charges.

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 2015-05-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
After I lost my foreclosure, I was shocked to learn that XXXX was actually the owner of the note. They purchased my home at a Sheriff 's sale. During the course of the appeal, I tried to get in contact with them, to let them know that as a surviving spouse I was never even given the loss mitigation package which is supposed to be standard. I was actually not given any information about this loan, because I did n't sign it. They emailed back and forth with me, and finally said they were going to do additional research, because they did n't have any record of my account/house/mortgage. That was in XX/XX/XXXX and I never heard back from them. So, yesterday, the sale was confirmed. I just wasted another {$7000.00} in legal fees, I guess. If nothing else, I ca n't understand why they wo n't just open a line of communication and tell me what their plans are, so I can stop worrying about their " property preservation '' goons. Those people leave these tags on my door, which have instructions to call a number, but they wo n't call me back. When I did get an answer, last year, it was Nationstar, and they refused to even speak to me. ( because I 'm a surviving spouse. ) It 's so frustrating. Why do they have to be so rude? And do everything in such a rotten, scary way? I do n't want to come home to a padlocked house, and have my things all torn apart. I 'm seriously worried about that now. What 's going to happen? This has been 8 years of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
Almost two years ago, I modified my mortgage with Select Portfolio Servicing. At the time I applied for the modification, the principal on the loan was roughly $ XXXX. After modification, the balance rose to $ XXXX and I was told that the monthly payment would be {$1300.00}. Recently, I noticed however that my monthly payment as crept up to {$1600.00}. per month, the same amount that it was prior to the modification. I am at a loss as to why the monthly payment would increase since the interest rate on my mortgage is fixed. Also, the loan amount seems to be growing, not shrinking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
As part of a refinance transaction, my existing XXXX mortgage with Nationstar Mortgage was paid off on XXXX XXXX, 2015. As of XXXX XXXX, 2015, the discharge of mortgage had not yet been recorded at the XXXX District Registry of Deeds. I contacted Nationstar to inquire about getting the discharge recorded, as I was scheduled to close on a new home equity line of credit mortgage and was unable to do so until the discharge of the paid off mortgage had been recorded and I informed them of this fact. They responded to my inquiry by sending me a copy of the discharge of mortgage together with a letter that was purportedly mailed to the XXXX District Registry of Deeds on XXXX XXXX, 2015. After checking the Registry Records for XXXX weeks with no evidence of the discharge being recorded, I again contacted Nationstar Mortgage to let them know that the discharge was still not recorded and I asked them to send me a new original discharge of mortgage so that I could record it myself at the Registry of Deeds. They informed me that they would not provide me with an original discharge of mortgage as this was not their policy, despite the fact that it was my money that paid the loan off, I was not allowed to be given the document releasing it directly. I asked them to send a new discharge out the the Registry of Deeds and they assured me that they would do so. This pattern continued throughout XXXX and into XXXX. I also contacted Attorney XXXX XXXX, ( the attorney that paid off the mortgage ) and her office has also been in contact with Nationstar Mortgage with no result. They refuse to send out a new discharge of mortgage and now I am unable to close on the new loan, which is causing me a grave financial hardship. I do n't know what else to do. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: General Information Services, Inc
State: TX

Complaint narrative:
General Information Services ( GIS ) furnished a background report on me and submitted information to an employer that I applied with. The information that the reporting agency submitted is not supposed to be sent to the employer due to the fact that the state I live in has restrictions on what the agency can and can not report. On the background report, the agency submitted information that is past seven years but the state of Texas does not allow agencies to report information beyond seven years if the job pays less than {$75000.00} annually. Here is the Business and Commerce Code for the state of Texas XXXX : XXXX # XXXX Other research that I have found on this issue : XXXX The use of older cases Whereas the FCRA does not allow the use of any non-convictions older than seven years, several states go further and ban the use of any case older than seven years, even in instances when there was a conviction. XXXX states place restrictions on the reporting of ANY case information older than seven years. These types of restrictions are found in the following states : California, Colorado*, Kansas* , Maryland*, Massachusetts ( additional limitations are put on the reporting of misdemeanor offenses ), Montana, Nevada XXXX New Hampshire*, New York *, Texas *and Washington*. 

( * indicates exceptions based on salary. )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
We have had a loan with Nationstar Mortgage for years and have our payments on automatic payment via XXXX XXXX XXXX. Consistently for many years, NationStar misapplies our payments and charges us late fees. Each time, we call in to remedy the situation and each time, we have to call in several times to fix each issue. We have spent over 100 hours calling into them and they have yet to fix the problem. Their inability to properly apply payments is ruining my credit through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
NationStar Mortgage has not been able to help us lower our underwater property. they charge us hi fees and are not helpful on the phone. they transfer us from operator to operator. We ask to talk to a supervisor and they always tell us that we are not able to talk to a supervisor. They do not give us a response of how we can lower our principal unless we send them a lump sum amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
My husband died and I payed the principal of the mortgage off in XXXX to NationStarBank. In XXXX I received a call XXXXNationsStar Mortgage company stating I owed a payment and that the amount of {$710.00} plus a payment was past due for XXXX. I went on line and paid off the {$710.00} and made the payment of XXXX also. I then got a call the next day that there was a past due balance of {$45.00} XXXX that I did n't pay. I never missed a payment on my loan and I was told that it was an amount paid for my husband and my bankruptcy. The court claims no monies other than what we paid were made and the bankruptcy was dismissed before this loan modification. I called back the mortgage company and was told that it was paid to the attorney. The attorney said it was not and the Trustee also did n't receive the money. I contacted the mortgage company again and was told that the last payment was in XXXX. I gave them the receipt of the XXXX XXXX payment and was told that it was applied but I still owe them XXXX XXXX dollars. I then went to my bank to get financing for this and was turned down due to the bankruptcy. I was told that bills included in the bankruptcy were still showing due. I then contacted XXXX XXXX they agreed to lend me the money to pay this " balloon payment ''. The pay off showed a balance of {$160.00} principal plus the XXXX XXXX. I contacted Nations Star Bank the mortgage company as to where did the {$160.00} come from if I paid off the {$710.00} total principal. They did n't show that payment in XXXX. A manager said it was put into miscalanious funds and not applied to my account. I asked for them to show me where the {$45000.00} was paid to us or our creditors. They said it was a past due balance on our mortgage. I know this is not true because my husbands XXXX XXXX retirement benefits paid the mortgage every month before the bankruptcy and the trustee did n't miss any payments nor did I since it had been refinanced. They could not show me or tell me who received the money. Today I received another letter from the mortgage company which said you are past due on your payment. I am so frustrated. I have already paid for an apraisal on my house to receive a new mortgage to pay this off. I do n't believe I owe this money and think Nation Star bank has added someone elses loan to mine. I am a widow and I do not make enough money to pay NationStars high payment. That is why I am trying to get a loan. Nation Star keeps changing the payoff amounts. I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage paid my property taxes two months late due to an initial incorrect property tax payment and then preceded to charge me for their mistake by adding an additional $ XXXX. to my Escrow Acct. They took two months to correct the XXXX. problem of the incorrect property tax payment, and after 6 weeks of numerous calls, e-mails, faxes, and letters they are still increasing my Escrow Acct. The person that I talked to acknowledged the mistake but had to send it to a committee and would call me back in 7 days. She never called back. Nationstar never calls back when promised. I will attach most of my correspondence. THANK YOU FOR YOUR HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
My mortgage was sold to NATIONSTAR MORTGAGE in XXXX of 2015. Prior to being sold to NATIONSTAR MORTGAGE my monthly payment was {$640.00}. NATIONSTAR sent notice that my new payment would be {$650.00} however they did not provide any justification for the increase. My payment has now increased to {$750.00} again with no justification. They are constantly calling me and sending junk mail asking me to refinance by they have never provided an escrow statement or justification of the increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: VA

Complaint narrative:
I contacted my mortgage company on XX/XX/XXXX regarding what options I had to apply for Home Assistance programs to assist me in resolving my back payments. The back payments were a result of being XXXX. I expressed all of this to the agent I spoke with and she offered to send me a package that needed to be returned by XX/XX/XXXX. On XX/XX/XXXX. I received a letter from PHH Mortgage and my " case manager '', XXXX XXXX, still expressing an interest in helping me. On the same day, I received a letter from a foreclosure Attorney stating my home if being put up for a Trustee Sale on XX/XX/XXXX. I called PHH today, XX/XX/XXXX, and was told that I can not stop the foreclosure unless I pay the past amounts and that the package is no good. How can this be if the paperwork clearly states that I have until XX/XX/XXXX to turn it in??? This is another example of Mortgage companies lying to customers and to avoid helping them and ruining their lives

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
NATIONSTAR MORTGAGE HAS FAILED TO CORRECTLY MAINTAIN OUR MORTGAGE ACCOUNT. XXXX 2016 REVEALED THAT THEY ADJUSTED OUR MONTHLY PAYMENT DOWN BUT UPON PERSONAL DISCOVERY LOCATED THAT THIS WAS DONE IN ERROR DUE TO THE COMPANIES ILL ATTENTION AND RESEARCH WITH OUR LOCAL COUNTY TAX BOARD TO CALCULATE THE ESTIMATED PROPERTY TAX AMOUNT. THEY ISSUED AN APPROXIMATE {$8500.00} REFUND AS A RESULT AS WELL. AFTER AN APPROXIMATE 6 HOURS ON THE PHONE TO CORRECT THE ISSUE, AN AGREEMENT WAS MADE WITH NATIONSTAR THAT US/THE CONSUMER WOULD ISSUE 2 CHECKS. 1 FOR THE MONTHLY PAYMENT AND 1 TO CATCH UP THE ESCROW ACCOUNT THAT THEY HAVE NOW SHORTED AS A RESULT OF THE ABOVE ERROR. INCLUDED IN THE OVERNIGHT PACKAGE WHICH INCLUDED THE ABOVE SAID 2 PAYMENTS WAS A TYPED LETTER OF HOW THE PAYMENTS WERE TO BE CREDITED IN ADDITION TO A NOTE IN THE MEMO SECTION OF EACH PAYMENT SAYING " PAYMENT '' AND " ESCROW. '' UPON ARRIVAL OF OUR XXXX MONTHLY STATEMENT, " NATIONSTAR '' HAS YET AGAIN FAILED TO SERVICE OUR ACCOUNT CORRECTLY AND APPLIED THE " ESCROW '' PAYMENT TO PRINCIPAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AUTOMOTIVE CREDIT CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX my ex husband and car salesmen told me to sign a document so my name can be on the title of his new car purchase in case I get pulled over. I told them I was n't co-signing and they assured me I could n't because I did n't have good credit and it was only so my name would be on the title. I signed a piece of paper and fast forward XXXX years now the debt is mine. The creditor has taken my state taxes. I 'm remarried and they have gone into our joint account and taken over {$600.00} ( which was our rent for that month ) and I was n't working so it was my new husband income but according to the bank married couples take on each others debt. Now they are taking my child support from my personal account I 've had for years with no incident until they merged with another credit union. Although I have not worked since XX/XX/XXXX they continue to harass me and recently took {$7.00} well because that is all I had left in that account. I made a {$300.00} deposit to rent a car but took it out the same day once I could n't get the rental. My point is there are no deposits for this account other than child support from a income standpoint. I called my credit union once before on the same issue and they told me they could n't do anything because it was a garnishment. I informed them it is illegal to take child support as payment for a debt. They informed me that any deposits made to my account is fair game. So, I 'm at a loss and will have to file for bankruptcy I 'm guessing. However, I wanted to put this on the record that I have contacted the Attorney Generals office and they sent back the creditors response which included the form I signed plus another XXXX I did n't sign that miraculously had a signature that was n't mine on it. These creditors take illegal measures with consumers that ca n't afford to fight back because no one holds them accountable. So for all the consumers out there, DO N'T SIGN ANYTHING WITHOUT READING IT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-11-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: OR

Complaint narrative:
An account was opened with part of my information, not even all of the correct information and I closed immediately after. I never received service from XXXX XXXX, was never hooked up to XXXX XXXX, and never had a valid account. However they sent me a bill, when I called to dispute I was given the run around and transferred from department to person over and over then eventually hung up on. I have been hung up on multiple times while trying to call them to dispute this. I have sent emails to their company where they either do not respond, or tell me that the issue has been resolved. Only to find that I get another bill. I called again and was finally told the issue was resolved and my name ( even thought not even spelled correctly ) had been cleared. I had't received a bill in months, only to now get a letter from a debt collectors agency. When I called XXXX XXXX again to speak with a higher up manager, they hung up on me, again.

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 2015-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Northwestern Mediation Services
State: SC

Complaint narrative:
i recieved a call from someone claiming to be from a law firm. threatening to sue me which i never recieve any written lettter or know any about the company that is trying sue meor anything..they claim i owe debt with a company i 've never dealt with ....

Company response to consumer: Closed with explanation