vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
On or about XXXX I was no longer able to pay my second mortgage due to a loss of income ( father in-law who was on the mortgage passed away then wife became unemployed ) with me becoming delinquent on the first soon after from back to back hardships. 

The lender of the second mortgage refused to work with me in any way, shape or form such as a loan modification, deferring payments, lowering the interest rate from 7 % to something more modest, etc. 

During XXXX the lender, NATIONSTAR, charged off the full amount of {$71000.00} and issued me an IRS tax form XXXX " cancellation of debt '' for the XXXX tax year. 

When reviewing the form I noticed that box # XXXX which explains the reason and or type of cancellation was not filled in. I contacted NATIONSTAR asking for a completely filled in XXXX along with a notice of wether or not the lien was released so I may forward it to the first mortgage company in an effort to save the home. 

I was told by Nation Star that although the debt was charged off and they received the tax benefit of it and that I had to file it with my taxes where it could have been considered earned income, except for the law that was in place at the time, the debt is still valid and owed by me and they maintain a lien against the property still. 

Can this be legal and if not who can help me resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Nationstar Mortgage does n't respond to my requests to have an agent present at the sale of my mortgage. Also, I 've called customer service several times asking for the original stock certificate and proprietary lease. They do n't seem to understand that I need the documents and a rep present at the closing ; otherwise I ca n't finalize the transaction. Please assist. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XXXX XXXX transferred my loan to Nationstar Mortgage and only gave me 2 days notice from the next payment due date.,

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

Complaint narrative:
RE : U.S. NATIONAL ASSOCIATION, AS TRUSTEE, ON BEHALF OF THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOME EQUITY PASSTHROUGH CERTIFICATES, SERIES XXXX. Wrongful Foreclosure. Violation of California Homeowner Bill Of Rights, Violation of California Civil Code 2923.55 ( b ) ( 2 ) and 2923.55 ( c ). False information filed under penalty of perjury on California Declaration Of Compliance dated XX/XX/2016 as part of the Notice Of Default. Specifically, homeowner, XXXX XXXX, received a phone call on her cell phone on XX/XX/2016 from a representative from XXXX XXXX XXXX. The representative inquired about homeowners plans for the property as payments were delinquent. The representative was advised that there had been a change in material and financial circumstances. That the co borrower spouse on the loan, XXXX XXXX, had been diagnosed with XXXX XXXX on XX/XX/2016 after having been ill but undiagnosed for one year. The XXXX representative was advised that XXXX XXXX 's illness had kept him from working full time in his small business and had caused a substantial drop in business income. The XXXX representative was advised that the homeowners needed a review for loan modification as the interest rate of 8.625 % was too high and made the mortgage payment too high. The XXXX representative advised the homeowner that a review for a loan modification was " not an option '' because a loan modification had been previously completed. It was not until I received a consultation with an attorney, that I learned that the bank and or assigned servicer were obligated by law to review for a loan modification if there had been a change in material or financial circumstances. The statements made by the XXXX representative discouraged the homeowner from pursuing a review for modification. The SPs Representative violated the homeowner 's rights by NOT fully exploring all the available options to avoid foreclosure. A California Declaration Of Compliance was filed XX/XX/2016 with the Notice Of Default, falsely stating that all options to avoid foreclosure had been explored with homeowner. My rights have been violated. My home is being sold without due process of law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Having to deal with this company is by far XXXX of the worst experience I have gone through. I have been trying for over a year to get a modification from this company that keeps giving me the run around. They have lied to me, lost my documents and keep misleading me. I am about to loose my home because of this company. They are not following procedures and something need to be done about this!!. There are over XXXX complains about this company on line, what is it going to take. I am also consulting my lawyer as I will be suing this company. Even an employee voiced their distress and dismay about feeling helpless and unable to help consumer even though he/she is aware of the mishandling, lies, harrassment and fraud going on in this business. There will be a Class action law suit for the pain suffering and lies I have and is still enduring from this company!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
In XXXX XXXX, we contacted Quicken to find out the possibility of deferring one mortgage payment on our VA loan due to a hardship that we were encountering. We live in XXXX, TX and our air conditioning system stopped working and needed to be replaced. This was going to be a huge burden to our financial situation since my husband is currently unemployed/seeking employment, and we are already stretched beyond too thin. 
Quicken stated they did not defer payments and could not offer assistance. They gave us a list of agencies offered through the VA who might be able to assist, none of which we qualified for. We had also contacted the VA, since we have a VA loan, asking for advice and any assistance. They thought certainly this would be considered a hardship by Quicken and they would provide some type of assistance, e.g. a loan modification, but this was not the case. 
We tried in the months that followed to secure monies for our A/C system, with no success. When the heat started to be too much to bear, we had to make the choice to use our mortgage money to begin the process of replacing the unit. This would cause us to be more than 30 days late on the XXXX mortgage payment. Mind you, we did not miss a payment, we were just late for one month. 
We notified Quicken that this would be happening and again stated our hardship situation. We have since paid the following 4 months within 30 days of the due date and are back on track. 
The sad and shocking part is, Quicken decided to send notice to the credit bureaus that we were over 30 days late that one time. This has caused a black mark on our credit report in the midst of an already challenging financial situation. We did send a letter to Quicken in XXXX XXXX requesting a good will adjustment be made by them. We requested that they simply contact the credit agencies to remove that one black mark from our credit report of a late payment. They refused. I had researched the internet and found that the request of a good will adjustment was a common scenario with success by many companies who are actually trying to help their customers, even just one time. Not Quicken. 
In these days of hardship for so many families, why could they not be willing to do that one simple act of kindness for a customer and veteran who fought for the American dream and is trying hard now to secure it for his own family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
I filed a Chapter XXXX bankruptcy in 2010 and it was discharged. I included my house which had a XXXX and a XXXX mortgage. The XXXX mortgage was with XXXX XXXX XXXX. After my discharge XXXX XXXX XXXX sold the debt to Nationstar Mortgage. Nationstar mortgage has been reporting on my credit negative every month since the bankruptcy was discharged. I have contacted them several times and they claim they can not do anything.. even though they are breaking the law! They will not help me and this is affecting my financing. It isx erroneous and should have never been sold as it was DISCHARGED in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
In XXXX XXXX we purchased a house through quickens loan. This company was unprofessional and could not seem to get our paperwork together and delayed the loan process to the point that we had almost lost the house we were trying to buy almost making us homeless. We finally got it worked out and closed on the very last day of the extension we had with the bank of the house we were buying. Then XXXX XXXX ( a year later ) I received a call from quickens loan stating my mortgage payment was not made. I make my payment through an accelerator program were they pull the payment right from my account so I know the payment was made. I have never missed or had a late payment on any house that I have bought. After several calls to quickens they did not seem to know why my payment jumped up XXXX dollars a month. I continued to get person after person and each one had a different reason as to why the payment went up. During this time I pulled my closing paperwork out to comparing the numbers and come to find out quickens used the assessed value of the house instead of the actual tax numbers that were supplied to them from the township tax assessor. In my closing package it did not have the assessed value paperwork it had the actual tax paperwork. When this was brought up to quickens they stated that they were aware of making some errors on our loan. And they way they offered to fix it was to remortgage our loan. I do n't think I should get charged again for their mistakes. Quickens falsified our numbers in order to close the deal with us knowing full well that it would come back on us. I believe they completely mislead us and caused us so many frustrating nights. XXXX XXXX XXXX we have remortgaged our house through another mortgage company. But I continue to get threatening phone calls from quickens stating they are going negatively affect out credit if we do n't make the XXXX extra payment even though their system shows that the balance will be paid in full. The new mortgage company contacted quickens and adjusted our new mortgage to cover all monies owed to quickens. Again quickens is aware of this but they are still threatening me on the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
In case # XXXX, SPS cites a clause in the original note that supposedly gives permission to pay off a superior lien, but the clause also states that the first lien must be in default, which my first mortgage was not. I was in no danger of foreclosure by XXXX XXXX. 
Therefore, the " protective advance '' was a cash out refinance, entitling me to a three day right of recision. Also, I was never given any documents itemizing ANY disbursement of funds, which is also a RESPA violation entitling me to an extended right of recision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 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: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
I paid UCB ( United Collection Bureau ) in full in XXXX of 2015 for a debt owed on state of AZ taxes. In XXXX 2015, the IRS took part of my refund and paid the state of AZ. AZ has attempted to work with me to get UCB to refund the payment made to them as I now have paid twice. For 3 months, they have put me off and told me it is being researched, or that the case is closed, or that they do n't know what the state wants. I even called them with the state on the line, and they told us someone would look into it and call us back : no call back ever received. I have made multiple calls and get the same answers every time. Recently they have become rude, and put me on hold, never coming back to the line. I just want them to send back my {$250.00} please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
I am being harassed by a company called http XXXX/ or GC Services. They have called me repeatedly at my place of work, demanding to know my social security number. They do this in spite of my formally complaining to them. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 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: Springer Collections Inc.
State: AZ

Complaint narrative:
Account Name : SPRINGER COLLECTIONAccount Number : XXXXPast Due : $ XXXXFor one I requested a validation of debt and received no response in the appropriate time allowed. As a result I disputed the transaction but springer contested the removal. I do not owe XXXX or springer any money. They forced a charge on my credit card, I disputed and it was proven that this was an erroneous charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Endpoint Resolution Services (ERS)
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXX I received a call from Endpoint Resolution Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX from the number XX/XX/XXXX I spoke with XXXX. XXXX represented himself as a law firm stating that I was going to be sued for an undisclosed amount owed for a XXXX account, he stated that their company only takes on accounts in which the debtor has assets that have been verified ( I own nothing, have been unemployed for 3 years, and homeless in the last year with XXXX children ). He stated that " You WILL be going back to work, you WILL have wage garnishment '' and that I would be served by a process server in the next 3 days who will come with a security team and that I should be prepared, at which point he was specifically warned that this is a second amendment residence, and that I did not appreciate his threat or comments for the need of a security team. 

I was immediately irate because he spoke to me in a condescending manner, represented himself as a law-firm and threatened me with a lawsuit and made comments about a security team coming to my home, he was rude and mumbled through our conversation. He did not state the company name, did not mini Miranda me, and told me that I will be paying up!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Turning Point Solutions LLC
State: UT

Complaint narrative:
I have received repeated LOUD automated messages from XXXX for a person I do not know ( XXXX XXXX ). I have had my cell # for over XXXX years. My name is not XXXX XXXX! I contacted the rude male from the XXXX # about their mistake and he hung up on me. I tried to call the number in the message too ( XXXX ) but I get an error saying invalid # or code. How can I get them to stop harassing me? I do n't owe any outstanding debts. They have the wrong number!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened a checking account at 53rd bank and deposited a cashiers check I received for selling some car audio. The check was for {$1900.00}, since I had no idea it was bogus I withdrew {$100.00} and later deposited {$1300.00} in cash. When I asked about the fund availability, it started getting bizarre, talking about almost 2-weeks. This was a new account but I did n't expect such a crazy hold. Well the next thing I know my entire account is on hold and the bank wont even give me the cash back that I deposited! Not only am I out the audio, but I am also going to be late paying my bills, thanks to these heartless XXXX! Like being screwed over by some scam artists were n't enough, now I have no access to my own cash?! I mean seriously ... what the heck kind of people kick other human beings when they 're down!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: GA

Complaint narrative:
I allowed a relative to use a XXXX XXXX credit card which was referred to United Recovery Systems for collection after it became past due. Arrangements for payment were made by my brother with XXXX XXXX to pay the $ XXXX balance. He has followed through with the arrangements made and is actually ahead of schedule on the payment plan but she continues to call me requesting that he pay more. Since he is current on the payment plan, I do n't feel that it is necessary for her to continue calling me at least XXXX a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC
State: IL

Complaint narrative:
They have unfairly contacted me for the purposes of debt collection. Their attempts can be deemed illegitimate due to the fact they sent me no formal notification of collection 30-days before the calls started which goes against the Fair Debt Collection Practices Act. They are trying to collect a debt that is also in the process of being paid to the party to which it is owed. They continue to use coercive and extortionary language during their calls to me, telling me and my family that we could face some serious penalties if no money is given to them. In reaching out to the original creditor, they indicated to continue to send the payments to them as the individuals at Enterprise Recovery Systems in XXXX XXXX are paid on commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 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: Focus Holding Company
State: FL

Complaint narrative:
I owned XXXX a payment from when we moved. I paid XXXX on XX/XX/XXXX Just received ( XX/XX/XXXX ) a call at work about this paid debt. They stated it was not paid. To top it off, this debt is under my Wife 's name ' not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
I experienced water damage to my home in XXXX of 2015 and my mortgage lender wants to charge me {$46.00} third party inspection fee ( charged to my mortgage loan ) each time an inspection is required. I take exception to this fee and do not feel that I have consented to it with any mortgage agreements I have signed. I understand the bank 's need to protect their interests by having the work inspected but feel that the bank should incur this as a cost of doing business and not burden me as a customer with the cost of it paid over the remaining life of my mortgage.

Company response to consumer: Closed
Consumer complaint received 2016-11-27 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Financial Asset Management, Inc.
State: NV

Complaint narrative:
I had a pending payment due on XX/XX/2016 of this month. When I learned my deposit was not coming in until the XX/XX/XXXX, I sent the company an e-mail and this is what XXXX responded : " If it is going to return back then we will need to decline your new loan request. We will notate your account and your other loan is still scheduled for the XX/XX/XXXX. '' I had a pending loan that I had tried taking out so I could have money for the holiday. This is my response : I just got the decline notice. That 's fine. I can try again after it clears on the XX/XX/XXXX. I just want to get a little extra before the holiday since I have no groceries. 

That being said, I was under the understanding that the payment would be taken out on the XX/XX/XXXX, not the XX/XX/XXXX. However when I checked my account on the XX/XX/XXXX, I found that I was overdrawn. The payment attempted to go through which resulted in a slew of overdraft fees, the cancellation of my online payments to the gas company and a state of financial dire straits until the deposit came in. Unfortunately, the majority of my planned deposit was taken by overdraft charges. I incurred about {$200.00} in overdraft fees because of this incident. 

Then, out of this last paycheck XX/XX/XXXX, XXXX payments were taken out from this company because of the returned payment which I had tried to avoid leaving me with precious little in my bank account to pay my rent, pay my utilities, get groceries, and other bills.

Company response to consumer: Closed with explanation