vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
I applied for a mortgage refinance in late XXXX. I got rates from a few different lenders and went with Guaranteed Rate as they quoted me the best offer. After submitting all of my documents I was made aware of a mistake on my XXXX & XXXX tax returns regarding my rental income. I was then instructed that to fix the errors I had to file amendments. I verified with the loan specialist that this was necessary and would make a difference because if not I wanted to go with another lender. I was assured this would be the same anywhere I went and since rates were about to go up it was best for me to stay with them. So, I did exactly what they said which was amend my tax returns for XXXX and XXXX. They also said I must file them with the IRS in person, pay for any outstanding taxes, and get the amendments and proof of payment stamped. Once that was done I resubmitted my tax returns to them and then was told that they were denying my loan because they would n't accept the amended tax returns because they said I just made it all up just to get the loan. Interest rates are now much higher and my credit score has now taken a hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
i sent a debt validation letter to united collection bureau on XX/XX/2016 via certified mail, it was signed for and received by them. i have never received any further mail or validation on my debt from this company regarding a XXXX XXXX bill in the amount of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
I have attached the complaint which makes it easier to read. Bottom line, GR Mortgage contracted to deliver a 30 year 3.375 % interests rate mortgage and then did not deliver yet we delivered. This company is a con artist of the largest proportions and has cost of hundreds of thousands of dollars due to the illegal conduct. We need you help in finding a resolution immediately since they did not feel at all obligated to us yet the consumer delivered and GR Mortgage did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I filed for bankruptcy and received a discharge in XX/XX/XXXX. I had a second mortgage with XXXX XXXX XXXX, which was listed on the bankruptcy schedules. Nationstar Mortgage has continued collection activities against me attempting to collect the discharged debt. Nationstar Mortgage has recorded this discharged debt on my credit report as late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My mortgage company increased my escrow payment more than they had to. I requested that they spread out my escrow increase over a longer period of time so that I could afford to make my house payment. They agreed to reevaluate and to get back to me with an updated payment. This was in XX/XX/XXXX. I did not have my updated payment information for my XX/XX/XXXX payment so I just sent in my regular payment amount. On XX/XX/XXXX, at the end of my grace period, I called Capital One, my mortgage holder, and asked them if they had my updated payment information. They were not able to give me an updated payment amount so I then asked the lady, her name was XXXX, since I was at the end of my grace period If I needed to make a payment over the phone to avoid a late fee. She informed me that because they were reevaluating my escrow amount I could wait until the end of the month to pay the balance and not have a late fee. A couple of days later I received notification of the updated escrow amount and I immediately made a payment on the balance due which they receive XX/XX/XXXX. I received my XX/XX/XXXX statement which shows they charged me a late fee anyways. I called XX/XX/XXXX to complain because they gave me misinformation over the phone, which a lady by the name of XXXX admitted to and then she proceeded to refuse to refund a late fee. The late fee is {$89.00} on a {$190.00} discrepancy in my escrow payment. I feel that I was intentionally misled or lied to by the representative on XX/XX/XXXX. She gave me misinformation and because they are not making good on their mistake I think that they were intentionally trying to charge me more late fees. I have an excellent payment history over the last 10 years with this bank of not making late payments. I had a couple of late payments towards the end of XX/XX/XXXX, including the one in question, which were both dealing directly with the problems I was having with them increasing my escrow higher than they needed to. In both situations they assessed a late fee even though I had paid my normal payment amount that I had been making over the last year. When I was on the phone on XX/XX/XXXX with XXXX I had the ability to make a payment over the phone that day and avoid the late fee. Because she told me that I would not be charged a late fee if I made the payment by the end of the year I decided not to make the payment on XX/XX/XXXX until I had the updated information. Had she just said that I needed to make a payment on XX/XX/XXXX to avoid a late fee that is what I would have done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
As of XXXX/XXXX/XXXX, I went to log into my Nationstar mortgage and it 's asking for my email address and email password. That 's against the law. The should not be asking for passwords to your email account. I made a payment on XXXX/XXXX/XXXX and I did not have to do this. I was able to log in with my username and password I created XXXX XXXX. Why are they ask for that. I 'm to review my payment information and how they came up with me oweing {$400.00} more than whats due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I originally was offered a DOJ principal reduction modification via XXXX XXXX XXXX. Once it transferred to Nationstar, the modification process took over 2 years, and thankfully I was granted a modification. I accepted the trial payments, however when I was advised that I was going to have payments increase over time and also a balloon payment of o $ XXXX, I was not sure what to do. I waited for the actual approval, which I turned in so as not to lose the home to foreclosure. I revisited and modification, and I realize it is just going to be too much for us and I wanted to proceed with a HAFA short sale. I was denied the HAFA because apparently there was a foreclosure sale date posted within 30 days and there would not be enough time to review. This does not make sense as I have been trying to do a workout between XXXX XXXX XXXX and Nationstar for over 5 years! My family and I feel worn out, stressed, scared now because I keep getting notices and people coming to our home saying that we have foreclosure sale dates. I thought that with the Homeowners Bill of RIghts this was no longer going to happen and foreclosure sale dates would be placed on hold. I appreciate that the sale dates have been postponed, however, the fact that the sale date is seen by the real estate voltures is very stressful both mentally and physically. For over 5 years I have been submitting documents in the hopes that I would be granted the DOJ Modification principal reduction. I do n't want to lose our home in foreclosure and I am being proactive in trying to sell the home under the HAFA program. I have paid the trial payments thus far as I was hoping to keep our home but again with the way things have recently changed in my company, they may cut my hours again. The issue with Nationstar is that they have not removed the foreclosure sale dates even though the Nationstar representative assured us that there was no longer a sale date. Apparently in their system, if they see a foreclosure sale date within 30 days they ca n't allow us to review for a XXXX short sale. Why are they just postponing for 30 days rather than postpone until the matter has been resolved? Why would they do this if we are in a workout and also trying to prevent a foreclosure, seems to go against the government regulations. It seems they do this to then say they have granted us so many postponements that we are denied a review? Thank you in advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
On XXXX XXXX I filed a complaint against NationStar for requiring a Short Sale Seller, who has a ratified contract on their property, for not reviewing the offer, but requiring an auction to uncover other buyers and " true market value. '' That complaint was # XXXX. 
A XXXX XXXX XXXX XXXX XXXX XXXX has been conducted, so market value is known. Further, we never received an answer to the first complaint with CFPB on Friday, XXXX XXXX, per your letter to myself and my Sellers. 

The auction puts the Seller at risk of being under contract to sell to XXXX parties, which is impossible. They could be in default and at risk of a lawsuit from the buyers they are under contract with now if that happens. 

PLEASE HELP US. NationStar continues to push this auction as a necessity per the investor on the loan, yet wo n't disclose who the investor is. This refusal, combined with past experience, makes me believe that there is a XXXX party auction company that would be making a premium once the property is listed for auction, and this is not an investor requirement at all. It is completely beyond reason why they can not review this offer vs. the XXXX value they have. 

HELP! 

XXXX XXXX XXXX XXXX License # XXXX & XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION
State: MA

Complaint narrative:
I XXXX XXXX of XXXX XXXX XXXX XXXX recently purchased a XX/XX/XXXX XXXX sel and took out a used car loanmy previous car loan was through XXXX bank of massachusetts for {$280.00} per monthand I was never informed previously that my loan was sold to branch banking and trust company XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX texas XXXX never received a phone call or letter from XXXX Bank telling me my auto loan was soldmy new loan payments start as of XX/XX/XXXX with XXXX Bank XXXX XXXX Ma. the payments will be {$360.00} per month and I am on a fixed income from social security and XXXX I only receive {$1500.00} per month and I can pay the new loan but I ca n't pay the other loan payment.I would like this resolved as soon as possible before my new payments startI think this is a scam or fraud and it should be investigated by the consumer protection agencyI will not be scamed or have my assets be taken from meRegardsXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i got letter from XXXX that my information get exposed and to avoid identity theft they offer 1 year in Equifax silver membership for free at the same week i tried to apply for mortgage and get refused i ask why they told Equifax score XXXX and i have unpaid medical bill for XXXX $ this amount for XXXX they will take from the my lawyer after the faulty guy pay and no body contacted me that i have to pay it now they so i try to dispute my report they block my identity they said for me rong info and i have to send passport driver licence social security as fax i faxed from my layer office they did n't answer i call back they told me i have to make membership so i give them the activation code provided from XXXX they said it is not working and i have to pay for a full membership to see what is going on and be able to solve it i paid they unblock me and give me XXXX is my credit score at them XXXX XXXX at the XXXX other bureau so i ask why my bank say that my score at equifax XXXX the agent answer how if you see your score is XXXX in front of you and all the info was yes mine so i believed equifax this was XXXX/XXXX/2016 till XXXX/XXXX/2016 i went to buy a car and i decided to buy it with loan so they run my credit and my wife credit after hardly 1 hour only XXXX accepted to lend me because Equifax credit score is XXXX with high rate because i have this law score and XXXX uncollected medical payment in Equifax only the XXXX other bureau my credit is good i call them again they said that my score is went down to XXXX from XXXX because of the car loan in XXXX/XXXX/2016 i said that they give the lender XXXX as my score they said no impossible i said i have the paper from my lender show XXXX your score and the XXXX other are normal they make from other planet that i have to keep my membership running to watch my score blablabla that i have to pay again every month and no silver membership or activation code accepted it is XXXX and miss use of my info to fraud the american consumers and all the phone calls are answered in other country how our info is exposed in other country call centers it is a social security and all the USA vital info in the hand of other country and even not government just a call centers XXXX how???? the same country we get every year a fraud and the law enforcement ca n't do any thing for this gangs because they are out of rich so please stop give this equifax and any similar company dealing with vital info on foreigner soils. and I'am sure I'am not the only or XXXX of few cases it is XXXX they are complaining and XXXX impacted from the Equifax please for the security of our nation investigate this company seriously and escalated before the no tern back time thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
My father passed away in XX/XX/XXXX. He was living in a condo with my brother as joint tenant. While my father was alive, I had power of attorney. When my father passed, he left no estate other than the condo, which passed to my brother without having to go to probate. I was named personal representative of my father 's estate, but since there were no other assets, there was nothing to probate. My father 's condo was financed with Quicken Loans. My brother is currently living in the condo and is making the mortgage payments. The problem is, he has fallen behind in his payments and now Quicken keeps calling me. I have explained to Quicken MANY MANY MANY times that they need to speak with my brother. I have provided them with my brother 's telephone number and he has confirmed that he has spoken with them on several occasions and is trying to work something out. Quicken called me again on Friday, XX/XX/XXXX, and told me that they would put me on their do not call list. Today, Monday, XX/XX/XXXX, they called me again. I do n't know how to stop them, other than changing my number. Can you stop them? Can I be compensated for harrassment?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: AL

Complaint narrative:
My bank BB & T has charged me an unfair overdraft fee of {$72.00}. I call this stealing. 
My checking account had enough money to cover XXXX small charges I used on the evening of XXXX. Later that evening around XXXX I received several texts messages my account was overdrawn. The next day I viewed my account. XXXX ( Available balance now over XXXX ). 

There were XXXX pending bills I wanted to Que up for processing as early as possible. ( Most take over 2 days ) The bank put the status of these XXXX payments ( pending for a few days ) as pending, then added the other XXXX from XXXX also pending, causing me a problem. On XXXX all XXXX pending payments WERE STILL PENDING. ( Meaning no one has taken my money yet. It is still in my account ). 

At the very least they should have processed my XXXX smaller debit card purchases from what money was there. It would have costed me much less, but no. I have noticed the largest payment is made first as if trying to overdraft as many smaller payments as possible. 

I feel this is very unfair to the average consumer and I think new laws are needed to protect people from the greed of this bank. 

BB & T is really not the best bank in town. They are thieves. I am asking for help.

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 2016-04-29 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX was substituted as a Trustee and has filed a Notice of Default in the XXXX County Records with fraudulent and altered paperwork in order to " steal ''. They violated Pen C 131 and 134 which is a " felony ''. They are as well violating the FDCPA 15 U.S.C 1692c as they are debt collectors and are liable for this. The Lenders have not noticed us that they are the party authorized to take this action. The attached memo trying to satisfy that they have satisfied the Declaration of Mortgage Servicer Pursuant to Civil Code 2923.55 ( c ) is fraudulent as they have not tried to contact us and have had access to our council. This was attached by Nationstar Mortgage LLC and signed. The substitution of Trustee is based upon XXXX " fraudulent '' recordings on behalf of the XXXX XXXX which closed as the XXXX indicates where attempted recordings to the Trust were made 8 and 10 years after the Trust closed. The Trust violated the the IRS tax exempted status. XXXX XXXX XXXX has not sent any mail notifications that they are involved. 
County recordings show that XXXX XXXX XXXX as a debt collector attempted to extort {$140000.00} due by XXXX/XXXX/XXXX while the recording was dated XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I have a checking account with BB & T. I had a mortgage with XXXX XXXX XXXX and I paid off the mortgage account. But mistakenly, XXXX XXXX XXXX deducted the mortgage payment from my BB & T checking account and I incurred XXXX over draft charges of {$72.00} on XX/XX/XXXX and XX/XX/XXXX as a result of insufficient fund on my BB & T checking account. I have complained to XXXX XXXX XXXX and they admitted their mistake and sent the wire to My BB & T account. I called BB & T and explained everything. BB & T promised me to refund the XXXX overdraft charges and I waited for a week. Nothing happened and I called BB & T and after being on hold for one hour, I was able to talk to BB & T customer service. I inquired about the status of the refund for the XXXX overdraft charges. BB & T explained that the initial customer service representative requested to the wrong department and they will request it to the correct department and I hung up the phone. Another week passed and nothing happened. I call BB & T again and I was being on hold one hour and twenty minutes and was able to talk to a customer service representative and I asked for manager and she put me on hold about 30 minutes and said that manager is on lunch and asked me to leave my phone number and I did leave my phone number, but I have never get any phone call back from BB & T and have n't received any refunds for the XXXX over draft 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 2016-08-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Hi, I started to having issues financially to paying my mortgage and i contact the bank mortgage and begins the process to the retention program HAMP, from XXXX or XXXX last year 2015, I was sending all documents its required and always they asking for more documents, for any X or checkmark they refuse to continue the process inclusive calling me over the phone and interviewing me for the little mistakes did on the all forms, I reviewed and sent it back, I agreed to cooperate with all documents in order to complete the hole process, but i think they were waisting my time and wait until a year to send me to the foreclosure process, my financial issues were verify in my documents summited on time every time they requested but now they put my house in foreclosure even did not have my process completed and with no additional or alternative options, i have my rights to receive all help from this process and to get my options to determine the better option to keep my home. my family are working hard to make this help happens, the mortgage company is not showing nothing and then now i have to find a lawyer on my expenses to help me and interfere for my home. We have only 15 days to find a lawyer before bad news coming from the court .I think this is a one way to avoid help family to save their home. I want you help me to get the HAMP program completed and have the mortgage bank approved my modification loan or retention home program either way keep what i paying to them. They did n't let me to continuing paying my loan until they finalized the process, that i gave them my consent and intention to reinstall my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation