vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX i fell behind in payments do to lose of employment and tried to workout a way to pay it back and was informed there was nothing available and they started foreclosure. I contacted an attorney and after months the mortgage company informed me that they would not talk to the attorney and my only choice was to accept a modified loan under there terms which was {$600.00} more than what i was paying or foreclose. With no other choice for my family i had to except the new payment. After a while i started having trouble paying the the huge payment i fell behind again. I contacted the mortgage company and asked how much i needed to get the account up to date and was given an amount. I got the money together and contacted the mortgage company to pay and now the amount was more. When i had that amount together and contacted them now the amount changed again, this went on for months until i contacted an attorney to help me lock in an amount to make the account up to date. I set up bill pay from my bank account to pay the mortgage directly every month so ther wouldnt be any issues. After making the next XXXX payments without any issues directly from my bank bill pay i noticed a week after my last payment the mortgage company sent the money back to my bank account. I contacted the mortgage company to find out why they sent the money back after they had it for a week and was informed that im no longer allowed to have my bank send them the money i have to get a certified check from the bank and have it mailed to them. Now my payment is late and there is fees applied to my account. When i asked why they had the money for a week they could not give me an answer and when i asked them why i wasnt informed about not being allowed to pay through my bank they still could n't give me an answer. I feel that the mortgage company is continuing to make it harder and harder to pay so they can foreclose on my house and as long as they continue to affect my credit score I can not refinance with another mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I applied for a mortgage loan with Quicken loans and was pre-approved, contingent on certain conditions. I met all the conditions as specified but the loan was still denied. They stated that they could not confirm how I paid off XXXX debts. I provided bank statements that showed the withdrawal and money orders to pay off the debts. I am concerned because I am of low income and getting offers from higher cost loans and that my information has been mishandled or sold. I qualify for this loan and believe that I am a victim of housing discrimination because of offers from higher cost loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
Select Portfolio Servicing , Inc. continues to evade simple, basic questions I have posed to them regarding the validity of my mortgage debt, and instead, is relying on twisted words, half-truths, incomplete answers and non-answers in a desperate attempt to hide the truth. 

Specifically, I sent via Certified Mail, and SPS rec 'd on XXXX XXXX, a formal 'Dispute of Validation of Debt ' and in short, the reply from SPS was wholly inadequate. 

As XXXX case in point, federal law requires that the debt collector ( SPS ) provide the true identity of the 'creditor ', and yet, all I rec 'd was a jumbled mess of a paragraph that tries to say that XXXX is the 'noteholder ' - a claim that XXXX Bank has formally denied - and that SPS is the 'servicer ', and that my note is 'secured with other notes traded on XXXX XXXX ''. 

Nowhere in that reply is specific information as to who the actual 'creditor ' is as defined by XXXX XXXX. 

Additionally, another requirement in a reply regarding a dispute of debt is for the debt collector to clearly identify who the original creditor is ( or was ). SPS also failed to make clear the simple answer to that question. 

In response to an earlier complaint to XXXX Bank, SPS wrote on XXXX XXXX, XXXX that " the 'owner ', sometimes also referred to as 'investor ', 'creditor ', and/or 'note holder ' '' is in fact XXXX Bank. In their XXXX XXXX, XXXX reply, SPS clearly implies that all of those terms mean the same thing ( see attached ). 

However, in clear contrast to that assertion, XXXX Bank says it in fact is NOT the owner ( which also according to SPS means it is not the 'creditor ' nor the 'note holder ' ), and that instead, some unnamed 'Trust ' is the actual 'owner of the mortgage and note ' ( see attached ). 

Accordingly, I still do n't have a clear answer as to who the actual 'owner/creditor ' is, despite filing a formal dispute of the Validation of Debt with the debt collector. 

In addition, SPS failed to answer the vast majority of the questions I asked relative to the origination of the debt, and who was in fact the actual creditor ( or lender ) to begin with ( see attached list of questions contained in the 'Dispute of Validation of Debt and Qualified Written Request '. 

All I rec 'd was another copy of the Mortgage and Note, which shows XXXX XXXX XXXX as the 'Lender ', but without further detail regarding whose money Encore was actually lending, there is no evidence whatsoever that Encore was actually a 'true creditor ' in the first place. The information is needed to determine if this case fits the same fact pattern as XXXX, XXXX XXXX XXXX, XXXX WL XXXX ( XXXX XXXX XXXX, XXXX ), and all indications are that it does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
My Mortgage got sold in XXXX 2015 to Nationstar Mortgage. This company has the worst customer service I have ever dealt with. I am in Customer Service so I do understand how challenging the job can be. First they can not send out the monthly statements. In 4 months I received XXXX. The second only came when I called to ask about it. But when calling the auto phone said my phone number and my my zip code did not match my account. Really? my account zip code is wrong? No, they are a complete mess. The rep told me I can make a payment but NEVER stated that there is a fee to pay my bill that they never sent. I gave her an amount and check number. To end up with Overdraft Fees for insufficient funds. To discover the rep at Nationstar submitted a different amount that we discuss. In my eyes that is Fraud and Theft. A {$19.00} Fee was added to my payment. THAT IS WRONG!! I called yesterday to complain about this. I was put on hold for 5+ minutes when the call was dropped. It took XXXX calls each time this happened and had to explain my story again & again. The reps last night had poor XXXX skills which added to my frustration. I called today to talk to a supervisor. Once again explaining my story and fixing my account, so he said, then finally transferred me to a supervisor. We we had to start over again. But she did state that my account was noted. Are you kidding me!! This company is a nightmare and still do NOT feel confident with them but I have no choice. I can not afford to refinance but I do not the the stress and anger about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: KS

Complaint narrative:
I received notice that my account was past due! I had payment set up with my bank to sent payment each month, and my insurance payment was sent from my credit union account each month. I paid the taxes when they come due. 
In XXXX my payment was returned to my bank no explanation. I contacted my insurance company and payments were sent for period on time. then in XXXX of 2015 the mortgage company sent my insurance company a payment of {$1600.00} which is the total insurance on my property for one year. Then they increased my payment from XXXX to {$590.00} which is an increase of {$380.00} - if you divide the {$1600.00} by XXXX you come up with an amount of {$130.00}. What happens to the additional {$240.00} that they are charging. 
So I sent a letter to the Nationstar Mortgage company w/return receipt requested. Wanting to know why my payment went from {$280.00} to {$590.00} ( I called several times leaving my name, loan # XXXX and a contact number for them to contact me. Never heard from them. ) The registered letter was signed for on XXXX XXXX by XXXX XXXX still no phone call or explanation of why my bill is doubled what it should be. Had they left it alone I was making my house payment out of my bank account, and the insurance payment was automately made out of my savings account. This company has messed with my account and now I do not know what is going on. I am putting a CASHIERS CHECK in the mail for {$2700.00}, which is what they state that I owe. I want an explanation of the charges. that this covers along with an explanation of why they are messing with my account. I have called several times and still can not reach anyone. How can they take over my " LIFE '' by not contacting me or explaining these charges. I want to receive a phone call from someone along with an adjustment on my accountThanks for your help

Company response to consumer: Closed
Consumer complaint received 2015-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
My mortgage was transferred from XXXX to Nationstar on XX/XX/2015.  XXXX informed me of this via a letter sent on XX/XX/XXXX.  As my next mortgage payment due date approached (XX/XX/XXXX) I received no correspondence from the new mortgage company....not a welcoming letter, statement, or a bill with which to pay the mortgage.  I desperation, I tried to call them, but all you can contact are automated menus, not a person to help with a personal problem.  I went to their web site, and again in desperation followed the instructions for making an online payment.  It worked!  But what it didn't make clear is that I had set up an automated account that would automatically pay my next mortgage payment.  So when the next payment was due (XX/XX/XXXX) I made another payment, not realizing that in actuality I was making XXXX payments.  It cleaned out my checking account and checks for XXXX other bills that I wrote bounced giving me fees of $XXXX.  I have had an extremely difficult time contacting them to resolve this issue.  I was only able to speak to a live representative by calling the number they advertise for refinancing mortgages, not their customer service number.  Anyway, I believe the unprofessional way in which they handled the transfer of my mortgage has led to this financial mess for me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC.
State: NC

Complaint narrative:
1, On XXXX XXXX, 2016, I was denied application for a mortgage prequalification by GuaranteedRate.com. I am on XXXX and the agent said that I had to guarantee benefits would continue for three years, ( clearly a violation of the Fair Housing Act and the Equal Credit Opportunity Act ), though I did not know this at the time. I asked why a loan would not be underwritten even though I had a XXXX benefit letter to present. He said that the three years continuation of benefits was the company policy. 

2, On XXXX XXXX, 2016, I called XXXX XXXX to inquire there about obtaining pre-qualification. The same occurred, the officer articulated the guarantee of three-years of future benefits policy almost word-for-word.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
I XXXX XXXX WANT TO DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
This company has ruined my life because of their dishonesty. 
They initially told me that it would be {$600.00} on top of my garnishment to get out of default, an amount I could not afford. 5 months later that amount dropped to {$160.00}, which made no sense. 

When I asked if I had any recourse, if there was any XXXX I could go to to dispute this, they blatantly told me no, I could not appeal. 

Had they quoted a manageable number to begin with, I would be out of the garnishment and would have avoided XXXX I have made this year. 

I was not getting any of their communications -- including the ones warning me of the garnishment. I had to tell them XXXX times that my address had changed. 

Two days ago I asked if they could delay my payment 4 days. They agreed. I recorded the phone call as proof. It came out of my bank account as scheduled anyway. This will result in all kinds of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
My family and I had a Family Plan with XXXX. In XXXX of 2016, my brother and sister called XXXX to terminate the plan and disconnect all phones including a home phone for all of my family members. After 20 plus years we moved to XXXX XXXX XXXX. XXXX terminated my dad 's and my brother 's account in XXXX but left the lines open for my sister and me. Again, we called and asked for the phones to be disconnected in XXXX. Their response was it will close out on XXXX XXXX without further charges. Finally, my sister 's phone was disconnected. My phone was not disconnected so I called in XXXX and they said that it would be disconnected on the XXXX. I paid the remaining balance and I was told that would be it. It did not end, I called back in XXXX and the charges kept piling up for a phone I had not used since XXXX 2016. On XXXX XXXX, I called and asked what is the remaining balance to clear our account? The XXXX representative told me the total was {$97.00}. I paid the {$97.00} and was assured the remaining balance was {$0.00} and that the phone would be disconnected on XXXX XXXX with no further charges.The plan for the last number was finally disconnected on XXXX XXXX. However, XXXX kept accumulating the charges. I called once again in XXXX and explained to the representative what had happened since XXXX and he told me you have to pay up which I did not. XXXX then sent the account which is under my brother 's name to a collecting agency. 

I must also inform you that on XXXX separate occasions the XXXX representative agreed that there was no phone usage and we would not be continued to be charged. She mentioned to me it 's a glitch in our system but it should be taken care of soon. Unfortunately, it was n't and the charges kept piling up. Now, they tell me the current balance is {$140.00}. 

I can no longer access the statements or usage from the Family Plan because my account is past due according to them. I have attached pertinent information that will provide evidence to my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
They have XXXX collections that were dismissed with extreme prejudice from the courts and they have not removed it from my report. They continue to verify to the bureaus and have damaged my credit. If the collections were dismissed with extreme prejudice then they should not be on my report with any of the as it was not any fault of mine that they were even put on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
I never received written verification of a debt from I.Q. Data Informational, Inc. I would like a letter sent to me to verify this debt from 2011. I did n't even find out about this debt until this year. I 'm also extremely frustrated that there is NO way of finding there contact information on the internet ANYWHERE. How am I supposed to pay a debt to a seemingly invisible debt collector?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I fell upon a hardship where I was unable to pay this debt in a timely manner. While I have settled most of the debts either through arbitration where I have made an offer that was accepted, others have sued me in court for the full amount. I am now on a fixed income and can not repay the debt. I live in the state of California and the debt has been turned over to a collection agency who is not the original lender. ( This is a Credit Card ). It continues to show up on my Credit Report and prevents me from improving my Credit Score to raise my standard of living. The debt ( s ) are more than ( XXXX ) XXXX years old and continue to haunt me. I believe that statute of limitations in California is ( 3 ) three years. Please advise me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Was not able to make a payment due to being out of town. Company calls my employer multiple times a day. Somehow the company acquired my boss 's personal cell phone number and contacted him to intimidate me into paying off my loan.

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 2015-08-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: WA

Complaint narrative:
Security Credit Services contacted me about an old debt. The debt amount was for {$2300.00} and I agreed to set up payments of {$100.00} a month. I asked for statements in the mail for verification and also I wanted the paper trail. I never received a statement in the mail and when I looked up my credit report it showed the debt amount as {$7900.00}. I have tried to contact them by phone to no avail. I have stopped my payments on this debt as I think I am being scammed. My credit report now shows that I am missing payments to the debt to which I want removed so I can figure out what is going on here without it reflecting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
First supervisor we talked to had said that THEY WOULD work with us and that the account WOULD NOT go into Active Collection until a future date, she also said that they would contact to other people on the account in order to collect their portion of the bill. The second person we talked to had stated that they do not work out deals and that the entire amount would have to be collected over the phone on the spot or else the account would be immediately would be sent to Active Collections. Also threatening to mark the account as " Refused To Pay '' when we said we could not pay it at that exact moment but could pay it in a few days. Then once we had told him that there were more people on the account and that we were all splitting the cost with he was then Refusing to contact them saying that we needed to pay immediately before the phone call was up. This second person was being very unprofessional using harsh language ( not explicit but very disrespectful ) and kept implementing scare tactics in order for a payment to be made. and when we told him that we talked to a supervisor and they had given us such information he said that they do not do anything in such manner. Finally during the midst of the entire conversation he unprofessionally had thrown us on hold with out saying a single word right in the middle of my sentence when I was explaining something to him.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: HI

Complaint narrative:
This is a debt that I believe I do not owe for breaking a lease due to loving in a very unsafe apartment complex where I was scared for myself and my child. This has passed the statue of limitations in the state of Hawaii for them to still be attempting to collect this debt. The creditor will not provide any info on the original debt. They are calling my family members and calling them names and threatening them. They call my job everyday several times a day and say vulgar things to the receptionists. This has affected my job to the point where I had our company director contact me regarding this. I believe this is an inaccurate debt, and the way this company is trying to collect is threatening and harassment. The company 's that I know have called are IQ Data International which always calls from blocked numbers. Then another number called me today from a lady named " XXXX XXXX '' at # XXXX XXXX XXXX XXXX XXXX threatening to serve papers to my place of work. Neither of these companies have my correct information or name. This debt is expired and should even be removed from my credit report!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation