vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
I have had problems with Quicken Loans from the start of the application process in XX/XX/XXXX. They promised to have my loan processed by XX/XX/XXXX and it was XX/XX/XXXX before it was actually closed. The reason for the delay was because they failed to obtain an appraisal. They went outside the area for the appraiser, when they could have had one in my town, and it took the appraiser 30 days to schedule and then 30 days for the report. I also sent the required forms to them as soon as possible and several times they claimed they did not receive them when in fact they had. 
I am now having problems trying to payoff the loan. A portion of my property was taken by the State of Oklahoma Transportation Department for eminent domain. I received my check from the State on XX/XX/XXXX and called Quicken Loans that same day for instructions for payoff. They told me it would take 3-4 business days to complete the process and to send them a authorization letter along with the signed check. I mailed the required authorization letter, signed check, and copies of the ODOT letter by certified mail on XX/XX/XXXX. I get a call from Quicken Loans on XX/XX/XXXX saying they did not get the authorization letter ( they did not say they got the check ). It scared me because I thought the check was lost. I know that I sent the letter because I made copies of everything I sent. It is not in my files nor in my scanner. I double checked my documents before I sent them. I am very meticulous and organized. Someone at Quicken Loans lost the letter. I was gone from my home for five days and when I got home I checked my messages I found out they did not have the letter. I called Quicken Loans the next day and they told me I had to re-submit it. So I sent a copy by email. The person I spoke with then told me it would take 3-4 days to process it plus 7-10 days for a refund. That was not what they had told me. I was expecting the refund by XX/XX/XXXX at the latest. 
She also told me that my refund is around {$30000.00} when in fact it is over {$36000.00} because of escrow deposits. I think they are trying to cheat me. I paid a lot of money for this loan. 
I wish I had never dealt with Quicken Loans. They are unprofessional and do not do as promised. During this whole process I have talked with at least a dozen or more people, never the same person. It was and is still very frustrating. I understand that it takes CFPB 15 days before they can do anything to help, I want to inform the public about Quicken Loans ' procedures and their failure to perform as promised and about possible fraud if in fact they are not paying me my full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Nationstar is sending out deceptive solicitations for refinancing. They always claim " lower interest rates ''. They tout " reduced monthly payments '' and " shorter loan terms ''. 
The problem is that the interest rates are significantly higher ( I 'm at 2.675 % ), and the benefits they cite can only be achieved by paying Nationstar higher interest. 
With a finance/accounting degree I know that they 're not offering any benefit, but an uneducated consumer might fall for their tricks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NM

Complaint narrative:
IN XX/XX/2016 WE STARTED A RE-FFI WITH XXXX. WE WWERE TOLD THAT WE DID NOT NEED TO MAKE THE XXXX PAYMENT. THEN ON XXXX XXXX CALLED AND SAID THERE WWAS A PROBLEM AND WE NEEDED TO PAY XXXX MORTGAGE PLUS THE LATE FEES ... .HHE SAID HE WOULD REIMBURSE US XXXX WE DID NOT NEED TO MAKE A XXXX PAYMENT. WE GOT LETTR FROM XXXX SAYING NEW MORTGAGE HOLDER EECTIVE XX/XX/2016 WOULD BE SPECIALIZED LOAN SERVICING WTH ACCT XXXX. SO WE SET UP SLS ON AUTOMATIC PAYMENT WITH THE PREVIOUS NAMED ACCT NUMBER. XX/XX/XXXX WE RECEIVED A LETTER FROM XXXX THAT THEY ARE OUR NEW SERVICER WITH THE ABOVE MENTIONED ACCT XXXX. WE TALKED TO XXXX 4 TIMES. PAYMENT FROM LSL HAS NOT BEEN SENT TO THEM. WE HAVE RECEIVED 3 LETTERS FROM XXXX AND XXXX PHONE CALLS SAYING WE ARE LATE. SLS HAS OUR MONEY. XXXX SAYS THAT THEY CA N'T FIND THE MONEY. WELLL DAHHHHHH ... ..SLS HAS IT AND THEY WONT GIVE IT BACK. 
SO AS OF RIGHT NOW : WE OWE {$2700.00} PLUS NOW OUR TAXES ARE LATE BECAUSE NO ONE HAS OUR MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello sir/mam I am an XXXX student studying full-time at XXXX, XXXX. I applied for a credit card in XXXX and it was declined. I did not know the process and applied again after 2 days which was declined as well. I had no idea this would affect my credit score as I do not have SSN. I have been trying to get my credit report but I do not have SSN so can not fill the form online. I sent a written mail but the response was no SSN provided. 
I bought a car in XXXX and paid in cash. When I got insurance for the car, I was told I am getting a higher premium because of my credit score ( FCRA ) but I never made any late payments ever and never took credit to start with. 

My name is XXXX XXXX. 
I am from XXXX, XXXX. 
My date of birth - XXXX. 
My contact no- XXXX My current address- XXXX XXXX XXXX, XXXX, XXXX, XXXX. 
My previous address- XXXX XXXX XXXX, XXXX, XXXX , XXXX. 
Please help me out and clear any disputes my credit report might have. I would be very obliged.

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 non-monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
The loan was assigned originally by XXXX as nominee for XXXX XXXX in XX/XX/XXXX - and by a known robo signer with title of assistant secretary of assignments for XXXX. Then robo signed again in XX/XX/XXXX by XXXX XXXX and notarized by XXXX XXXX - XXXX robo signers. False representation by SPS that they offer me application under the DOJ National Mortgage Settlment Act - THEY DID NOT DO THAT! In fact they refused to allow application saying that they did not work those. However, XXXX XXXX who was originally assigned my loan at the beginning of receipt of it disclosed that the file was sent to her specifically because it was tagged as a DOJ benefits and application loan. She said that they failed to offer me the application and did not follow the process to inform me of the availability of the program for me because of the illegal foreclosure actions that had taken place against me and had been included in the foreclosure fraud program and award. There are so many problems that it is impossible to address them all in this space. I am attaching a letter and some documents for review. I should note that this is just the tip of the iceberg. Accounting has not been provided to me as requested all the way back to the beginning of this loan so that I can assess all charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Submitted a complete package to BB & T asking for assistance with mortgage, in letter dated XXXX XXXX from BB & T and received on XXXX XXXX by mail, BB & T in effect asked us for updated financials and an additional piece of information - a letter of income contribution from wife of income shown in bank statements in package. 
Today, Friday XXXX XXXX we found out that on XXXX XXXX BB & T sent a motion to the court asking to schedule a foreclosure sale by looking at the court docket, we were not even noticed. We found out because someone came to the house telling us that they were made aware that we wanted to sell the house, we said no, who told you so. In following up on what this visitor said we looked at the court docket which showed that a motion was sent to the judge asking to schedule a sales date, we were not even noticed by BB & T. See a copy of the court docket showing a motion sent to the judge asking to schedule a sales date. 
This shows that there is no intent by BB & T for us to be fairly examined for alternatives to a foreclosure sale. Their sole intent is for us to be foreclosed on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
After being accepted for a loan modification I was instructed to make payments directly to BB & T Lost Midigation Dept NOT my regular Mortgage Dept. Asking the loan dept why my payments were not showing up on my statements I was told they knew about the modifacation and not to worry. So far disputes with the bank and breaus has had no effect. XXXX, FL XXXX Home phone XXXX S.S. # XXXX BB & T Mortgage : # XXXX

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 2016-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My mortgage company Nationstar is forcing me to pay 50 % higher monthly mortgage payments, even though I signed up for a FIXED 15 year loan. 
In XXXX this year, Nationstar has been demanding, that I pay my monthly mortgages into an " escrow account '' instead the usual " mortgage account ''. just because I was late paying my PROPERTY taxes last year, NOT my mortgages, which I paid always on time since the start of my loan 9 years ago. 
Their Escrow accounts are for future property debts. 
Since I have been paying my property taxes myself since the start of the loan 9 years ago, and was only late paying the property taxes once during that loan period, ( but am up-to-date ). why should I let Nationstar pay my property taxes from now on?, Obviously Nationstar does it, so that can demand huge upfront monies for future property taxes and higher monthly mortgage payments. 
In my case they are demanding XXXX -- for future property taxes and an increase of 50 % in my monthly mortgage payments, even though I 'm up-to-date with my property taxes and mortgage payments. 
I refused to be pushed into their escrow account and kept paying the same monthly mortgage payments. 
Nationstar retaliated by informing all credit rating agencies, that I had NOT paid my monthly mortgages for 5 months, which is an outright LIE. 
I paid the mortgages, but refused to pay their higher added-on monthly escrow fees and 50 % higher monthly mortgage premiums. 
Because of the blatant lie to the credit agencies by Nationstar, my previous excellent credit rating has dropped down to XXXX. 
Nationstar can not tell the credit agencies, that I did not pay my mortgages - that is an outright false statement. 
They can only state, that I refused to pay their added monthly exorbitant escrow fees, which is in dispute between us. 
.And because I supposedly have not paid my mortgages for the last 5 months ( which is a lie as I just mentioned ), they had the gall to start foreclosing on me too! 
Ruining my credit and now foreclosing? 
This should not be tolerated, I need help from your agency. 
My telephone calls got the go-around, my written communications got no response. 
Please read " XXXX '', enter Nationstar, and you 'll see, there are innumerable complaints against this company.. 
Nationstar is a predatory Mortgage company in my opinion, they seem to prey especially on elderly people like me, hoping they wo n't fight back. 
They make it impossible for mortgage holders like me, to protest or get into touch with a manager to resolve any dispute. 
It seems to be designed that way, please read other complains on " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
False Debt collection call to my wife that may cause identity theft. Asked for SS # and account in XXXX healthcare. 
From number XXXX XXXX XXXX XXXX on behalf of United Collection Bureaue They tried to enforce her to pay {$300.00} dept to XXXXp ( XXXX in XXXX 2015 ). I have checked my accounts with XXXX - no balances. 
Consider such calls as criminal activity collecting personal information and pulling money from people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 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: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
This debt is with G C Financial Services XXXX. They claim to be collecting for XXXX. I 'm a veteran. I was oversees during the period that XXXX claims I had their service. They also claim the service was provided in South Carolina, but I never lived there. 
I previously contacted XXXX XXXX and thought that I had worked this out with them. They took themselves off of my credit report. This happened over a year ago. Now they sent a collection account to .G C Services I tried to work this out with G C Services. I implored them to contact XXXX to verify that this was not my account. They refused to work with me and only offered me a settlement that was 65 % of the balance that they claim I owe them. They also refuse to remove themselves from my credit report. even upon payment. I 'm most upset that they will not contact XXXX XXXX. I ca n't understand that. I have tried to get XXXX XXXX to contact GC services, but they say they do n't have a record of me. I ask them to communicate that with GC and they say there is no way to do that. Really? I asked XXXX for a letter stating they have no record of me and they refuse to provide XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: OK

Complaint narrative:
repetitious phone calls intended to annoy or abuse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
GC Services called multiple times to my work, discussed some debt that I am not aware of with my company receptionist ; they also contacted HR department in regarding to debt info and claimed that they are calling from the government and will garnish my wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bilateral Credit Corp, LLC
State: CA

Complaint narrative:
Not only was the wrong amount attempted to be collected, but after speaking to an executive in regards to my dispute they did infact disclose that they do record some calls, but not calls. 

I was never told this and feel that this company should have dislosed upon it 's first initial communication that some calls may be recorded. 

I am very very concerned and feel that greater transparency on how Bilateral conducts itself is of public benefit. Recording a call without knowledge of a consumer or without warning that some calls may be recorded is a serious offense, perhaps a class wide offense. 

this complaint is in connection with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Salter Enterprises, Inc.
State: AL

Complaint narrative:
I purchased a condo back in XXXX of this year, I had my credit report pulled from the mortgage broker that was used to oversee the transaction from the seller. My credit score was too low to get financing so the owner decided to finance the loan for me, until my score was high enough to get it refinanced. Some 4-5 months later the mortgage broker decided to pull my credit report again without my consent or authorization to see if I could get financing through the company he works for. I have credit monitoring and the next day I received an alert stating I have a new hard inquiry on my file. I researched the XXXX party involved and discovered it was a mortgage lender. I called the mortgage broker and he said he had pulled my credit to see if I now qualified for a loan. I told him that was wrong and would lower my score and that I had no desire to use his lender because I already had XXXX in mind. From there I contacted XXXX and XXXX to have the inquiry removed, and they told me the steps I needed to take in order to have the inquiry removed. I forwarded that info over to the mortgage broker so he could rectify his unethical mistake. He said he would take care of the problem and acknowledged that he was wrong. After some back and forth correspondence he said he spoke with his boss and was told there was n't anything he could do because he did n't want to be in any trouble. I have n't heard from the mortgage broker at all and he refuses to answer my calls. Please help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc.
State: NV

Complaint narrative:
Northeast Credit Collect listed pase ID Theft accounts on my credit files, They 've split one bill into XXXX and made XXXX separate entries on my credit report. I 've spoken to the original creditor of the XXXX debt, they told me the account should be listed as one account and that they will never sell the debt and that should contact XXXX is in charge of collecting the debt. Since that 's the case it means XXXX gave permission to Northwest Collections & Credit who account no. XXXX from XXXX XXXX XXXX on place on my credit file on XXXX XXXX. XXXX other companies also reported the accounts in the same 30 day period are - & gt ; XXXX/XXXX/2015 XXXX, XXXX/XXXX/2015 Commonwealth Financial, XXXX/XXXX/2015 North East Credit & Collect..Theres no way all XXXX companies can have the legal right to pursue collections at the same time. Also North East Credit & Collect is violating Hippa by listing it as a debt from XXXX XXXX XXXX. They also listed the XXXX debt as XXXX accounts, The original creditor told me it should be ONLY XXXX account, meaning North East Credit & Collect maliciously reported one debt multiple times to do as much damage to my scores as possible.. 
XXXX has been notified it was from ID Theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
Commonwealth Financial Systems Incorpated has repeatedly placed threatening phone calls to my cell phone and the phone of my XXXX father. These calls do not identify the agency as a debt collector, the message directly state " legal action is being taken against you, papers are being filed in a court of law, if you do not contact us ''. 

I returned a call on XXXX/XXXX/XXXX to see what company was calling leaving messages like this on my father 's phone ( he has XXXX trouble ). I spoke with a representative who had information on an old payday loan account ( over 8 years old ) that was verfied paid before I filed Chapter XXXX in XXXX. 

I asked the representative why they were calling me instead of the lawyer ( he stated I was being sued in XXXX, I reside in XXXX ) and he began to become irate. 
I further advised him to contact directly and not my father, which turned into an argument. He stated it was ok, they will pursue. 

This practice of threatening consumers is unacceptable. The company stated they had an affidavit from my bank, but they had outdated contact information. The representative further claimed they sent court papers to an old address and email, but they had a current phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Some hospital sent me a letter saying that i was admitted and that I owed them money ; So I called right away and asked " what is this '' So I gave my name and dob. when they saw that Dob. did not match some lady said " Oh this is not you I will take care and remove it right away " I said thank you and then went on with my life : until I started getting harrased by some bill coll. company with letters and phone calls about once twice a week.at that time I had never been in a hospital. this started about 4 years ago give or take some months. the name does not match also

Company response to consumer: Closed with explanation