vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
i have an account that is fraudulent and needs to be removed immediately this account has been reporting continuosly when it is a resulf of identity theft and I have faxed the information to the company about the nature of my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX XXXX, I took out a mortgage with XXXX Mortgage XXXX, XXXX. They advertised the lowest interest rate and lowest monthly payments at the time, that was the reason I decided to take out the mortgage loan. However, the monthly payments ended up being to high that I was not able to afford them, which is the reason I defaulted on my loan in XXXX of that same year. Then in XXXX of XXXX, I received a Summons and Complaint that Wells Fargo started to foreclosed on my home. I tried making arrangements such as doing loan modifications with the bank but I have been denied several times. Lastly, I was selling my house as a short sale because it would help me not to accrue debt but the bank decided to place my home on an auction sale.

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 2016-04-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I started my complaint with the regular customer service to apply for a " Affordable Fixed Mortgage Payment ''. After I was bombarded by several financial and family lost XX/XX/XXXX followed to a XXXX leave. I applied 3 times for a Loan Modification or a Home Affordable fixed loan. Every month I 've called the Wells Fargo Bank to checked the status of my application. Every month I was told that they did not can not do anything earthier my self just to wait just to waited until a final decision was made and I asked bank if I should make the payment they said not to make any payments until decision was made in my modification was made at the conclusion of the case. The bank waited 8-9 months to informed me that my loan modification or affordable payment was denied! Not just that.. I was told that my credit was not going to be affected! That was not true! They sent me to collection, charged me late fee 's for all the most that I was behind and also they are charging me escrow??? When I asked why they were changing me escrow I was told that they were changing me for the property insurance?! When I have insurance, I have this insurance for many years. When I faxed them the proof of the insurance. They ignored my fax and they 're still changing me for insurance otherwise I been paying insurance twice since I paid for my insurance back in XXXX XXXX. Now staring XXXX XXXX, XXXX, my mortgage is going up {$700.00} dollars more in my mortgage, not including property taxes and Insurance, besides others regular expenses. I when up to the Executive Department and with out sympathy, a executive by name XXXX executive assistant of the Vice President XXXX, told me that if I can not afford to make the payment anymore. They will put my house in foreclosure simple as that! I started crying over the phone while I was talking to him, I told him that I could not believed that they were so unprofessional and do not care taking over families roofs! My loan has a lots violations.. Pls help to get an affordable mortgage payment. Please contact me my email address is XXXXXXXXXXXX, phone 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 2016-06-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union was sent a Cashier 's Check and mobile deposit cheques that have been dishonored and not processed, also said by XXXX an agent of the credit union, that the mobile deposits were returned. For what reason was asked, and was told that the federal reserve board and the institution were it came from said the check was invalid, proceeded to ask for proof of that and was denied. As for the Cashier 's Check, sent on XXXX/XXXX/16, was informed by XXXX that it was still processing, which should have been processed 2 to five business day for funds to be released. Through this period of trying to resolve the problem, a statement of account was asked to be sent to the credit union, it was complied with and sent through fax. After speaking with the agent, it was informed that the account is in overdraft of almost $ -XXXX and that it is frozen for no access. XXXX informed that the account will stay frozen which in no way able to perform a cure to the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
There is fraudulent transactions resulting from identity theft. I provided Navy Federal Credit Union with a FTC Identity Theft Affidavit and they have not complied with the laws to remove unauthorized transactions nor stop reporting incorrect information to credit report agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX ) on the behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated several laws attempting to collect a debt. Information was disclosed to my spouse ( non-signer ) and suggestions were made that I was having an affair and a XXXX. This same XXXX XXXX threatened to have me arrested at my home or place of business. He would find me and take me in. I acknowledge that I owe the debt and made partial payment today in an effort to resolve but my rights and the law were violated in the effort.

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
Consumer complaint received 2015-09-16 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My mother, XXXX XXXX XXXX, purchased a Certificate of Deposit in the amount of {$8000.00} from XXXX on XXXX XXXX, XXXX. She kept a lock box on her dining room table with all important documents. She passed away XXXX XXXX, XXXX. My only sibling and I decided to let this CD continue to mature. He and I agreed that I should remain custody of our mothers personal matters. He was a homicide victim in XXXX XXXX. He left no heirs. I have known where this CD has been kept since her death. I decided in XXXX to negotiate the CD as it is now 29 years old. I went to Wells Fargo ( who merged with XXXX XXXX in XXXX ) and presented the original CD and was referred to a banker who after seeing the item referred me to a different banker to help me. My mother left no will, so the bank sent me to obtain a " Affidavit for Collection of Personal Property '' I filled out the paperwork, had my signature notarized and returned to the bank. I was then informed that this issue would be " escalated '' to the branch manager. The bank made photocopies of all my paperwork and asked me to give them some time to " investigate ''. When speaking with the bank manager, XXXX XXXX, she agreed with me that the certificate is the original, I then pointed out to her several " highlights '' of this particular CD. ( at the top, it states " continuous-no renewal necessary '' and near the center of the document it states " upon presentation and surrender of this certificate ) ... please see the attached copy of the document ). I returned to Wells Fargo located at XXXX XXXX XXXX XXXX yesterday ( XXXX ) and made contact with the bank manager who told me that even though she had " escalated '' my case, the entity who she sent my case to has declined to negotiate this CD. I sincerely believe that my mother would have surrendered this CD, IF she had wished to negotiate this document. Wells Fargo is unable to offer proof of when they cashed this CD. XXXX XXXX ( before she sent a copy of the document to whoever could assist her in this matter ) agreed with me as I pointed out the phrase " upon surrender of this certificate properly endorsed '' clearly stated on the document that I was attempting to " surrender '' it. My belief is that this document : a ) has never been cashed ; no entity would " take someone 's word ( my Mom 's ) that they had not cashed it and give my mother the value of the CD plus any interest it would have earned, b ) was never lost by either my mother or myself. 
I feel that Wells Fargo should negotiate this CD ( face amount PLUS any and all interest earned for 29 years and 1 month ). 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX AZ XXXX ( XXXX ) XXXX XXXX ( cell )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 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: McCarthy, Burgess & Wolff, Inc.
State: MD

Complaint narrative:
I have no received and disputed this debt XXXX times from XXXX. Every time I ask for verification of the debt, they have just stopped calling. The latest debt collector, however, did provide a verification but it has no detail at all so I ca n't figure out what the charges are for. I had a XXXX account at that address but everything was paid in full when I moved. 

Now the item has been reported to my credit report despite my continued disputing of the debt. And despite requesting to only be contacted in writing, they continue to call about this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I AM REQUESTING TO SEE THE CORRECT CHAIN OF TITLE ON MY PROPERTY THAT I WAS CORNERED TO SELL. I BELIEVE NATIONSTAR MORTGAGE HAD NO STANDING IN COURT WHEN THE TOOK ME TO COURT AND LIED ABOUT NOT RECEIVING PAYMENTS FROM ME. I HAVE DONE RESEARCH AND IN THE CHAIN OF TITLE TO THE PROPERTY IN CONCERN THERE IS ALSO A ROBO SIGNED DOCUMENT THAT SHOULD HAVE BEEN DISCOVERED BY NATIONSTAR MTG, XXXX XXXX XXXX AND XXXX XXXX XXXX. IT WAS REQUESTED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREPARED BY XXXX XXXX AFTER RECORDED SENT TO XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SIGNED BY XXXX FOR XXXX XXXX XXXX XXXX AND NOTORIZED BY XXXX XXXX IN XXXX XXXX XXXX. PERSUANT TO XXXX XXXX XXXX or XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BB&T CORPORATION
State: TN

Complaint narrative:
Hello, I recently noticed my BB & T Spectrum rewards credit card was no longer working despite having available credit. I reached out to BB & T ( they did not make any effort to call me before placing a block on my card which I use every day ) to see what the problem was. I spoke with someone in Risk Management who informed me my account was under " investigation '' due to my high spending. The card was in good standing with no late payments. A few days after that, with no further contact from BB & T, my credit card was removed from my online account and I now assume it to be closed completely. I support BB & T 's right to close my account, but as of now the rewards that I had earned on the card are not available to be redeemed. It is clear to me that the primary reason they closed my account was due to me earning too many rewards. However, all of my earnings were in accordance with the terms and conditions ( see here XXXX ). 

BB & T never once attempted to keep my account open by asking for verification of income or source of funds documents. They simply wanted to prevent me from carrying out the rest of my bonus spending. I would request that I receive the rewards I was not able to redeem, as well as my " XXXX % anniversary bonus '' ( see below ) From the terms and conditions - 30 % anniversary bonus on Annual Earn when total annual purchases are greater than or equal to {$50000.00} A XXXX percent ( XXXX % ) anniversary bonus may be earned each year after the Member 's Anniversary Date if the Member has made total annual net qualifying purchases of greater than or equal to {$50000.00} during the Anniversary Year. Please allow up to ninety ( 90 ) days after the Anniversary Date for the anniversary bonus rewards to be applied to Member 's rewards balance. 

As you see above, there is a XXXX % anniversary bonus on rewards after reaching the threshold of {$50000.00} spending. Since I reached this threshold and then was closed, BB & T is preventing me from reaching my anniversary, where under their terms I would be rewarded the XXXX % bonus. What is stopping them from just closing all cardholders at 9 or 10 months so no one is able to receive the bonus? BB & T has effectively made a credit card product that encourages higher than normal spending levels, but then punishes consumers by closing accounts no questions asked prior to being able to receive the bonus for reaching said spending levels.

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 2016-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
SUMMARY Nationstar Mortgage has been harassing me for a debt that they are attempting to collect that is not legitimate. They have filed this debt on my credit report as I will show you. EXHIBIT A will show you where the mortgage was assigned from XXXX to Nationstar Mortgage LLC which indicates the effective date of the assignment of mortgage was on or before XXXX/XXXX/XXXX. EXHIBIT B will show you where the Nationstar Mortgage LLC assigned the mortgage on the same date to XXXX. EXHIBIT C will show you where Federal Home Loan Mortgage Corporation had a warranty deed dated and fully executed on XXXX XXXX, XXXX. Which was notarized in the attorney 's office of XXXX XXXX XXXX, XXXX, XXXX, PA by their employee who is a notary? EXHIBIT D will also show you where XXXX XXXX XXXX Mortgage XXXX prepared a fully executed Release of Mortgage and had it recorded on XXXX XXXX, XXXX. I, XXXX had issues with them recording the document within the allotted time they were supposed to so you will see a letter in which I prepared to the attorney 's office to abide by the law in which they completed. On XXXX XXXX, XXXX, a year and XXXX months later I started receiving phone calls ( Call log EXHIBIT E ) and letters from Nationstar Mortgage indicating I owe them money and they were trying to collect on a debt from XXXX. This is so emotionally stressful for me as in the enclosed documents you will note I worked so hard for the mortgage company to have the mortgage released due to I lost my job. It took them 2 years to complete after ; I made written complaints to the OCC. EXHIBIT XXXX in which the company lied to Office of the Comptroller of the Currency ( OCC ) indicating they had taken care of everything in which in fact they did not. EXHIBIT ____. Then I had to follow up with OCC to advise them that in fact the company did not complete where they were supposed to. Well needless to say it was finally completed back in XXXX and now they are back at it again. I have paid all my bills on time and I tried to apply for credit and was denied. I did n't understand why until the phone calls started. I have since put in an investigation to try and have my credit corrected. However that does n't change the fact that I am denied credit. I have told the individuals several times I do not owe them and they are harassing me. Nationstar does n't even have an interest in the property as they assigned the mortgage and the mortgage has been release. I even have received paperwork to file along with my income taxes to show as well. Now they will try and file this against me twice as income with the IRS and this is not right. I have to pay the court for filing fees etc. For something this company has no rights to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Here is a copy of the letter I submitted to our mortgage servicer, Nationstar. After further research, Nationstar did contact our county for the tax amount, however, nobody seems to be referencing the figures shown on our XXXX, which reflects amounts necessary to cover our escrow needs. That is my chief complaint. 

Letter to Nationstar-After repeated, unsuccessful attempts to speak with a supervisor regarding our concern, I 'm now attempting to make contact and get answers this way. I want to dispute the increase of our payment based on a faulty escrow analysis performed on our account. According to the CSR 's that I have spoken with, an analysis was done, and revealed that we were short roughly {$2000.00}. This was based on an analysis that was done in XXXX, and based on an amount paid to our taxing authority, XXXX County. Had your analysis been done correctly, it/you would have discovered that the amount you paid to the county was for the last 2 months of XXXX, therefore making it a faulty analysis. Had you done the analysis correctly, you would have contacted the county, or perhaps even read the HUD1, and discovered that the amount to be set aside should have been $ XXXX, or {$2100.00}. An amount that would have more than covered the tax bill. I will not accept, nor be responsible for paying in the rears, and making up for an error made by your company that appears to coincide with your purchase of my loan, and shows the incompetence of Nationstar to properly service my loan. We will continue to make the necessary payments in an amount that will satisfy all current needs on our mortgage. Any shortages from XXXX can be absorbed by your company as a result of your own error. Figures below are based on Escrow Disclosure Statement dated XXXX/XXXX/XXXX, and the original HUD1 from our purchase of the home. P & I- {$900.00} Escrow- {$180.00} Homeowners- {$83.00} ( an increase over the HUD1amount of {$54.00} to cover actual insurance costs with Travelers ) MIP- {$200.00} Total- {$1300.00} This is the amount you will receive on our due date of XXXX XXXX, XXXX unless I hear from you with another option to correct this mess. If this does n't initiate some dialogue, then I 'll be submitting a legal QWR to resolve the issue. Thank you, XXXX 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 2016-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
Quicken first committed bait and switch practices by stating I would get a full refund for a XXXX dollar deposit, when I did not receive the full refund I called to find out why, their terms and conditions state they can pull fees from that deposit. 
Quicken then assisted the appraisal company in committing fraud by stating repairs had been verified as completed when they had not, resulting another inspection. I submitted evidence and was able to get this XXXX fee waived. 
Quicken was caught in lies several times, they would tell me one thing about the process and then when I spoke to my realtor I found out the truth was entirely different. I believe this is because I am a first time home buyer with a small loan, Quicken tried to take advantage of me. 
And finally they are committing extortion. My closing was pushed back several weeks due to their mishandling and even though weeks ago I asked them to get a fee waived by the appraisal company because this company committed fraud in order to generate more income ( they claimed they did not have full access to property when all sellers, realtors, and I can confirm all keys were available at time of appraisal. ) They made no attempts to get this corrected until XXXX ( this was requested XXXX ) and now that I am at closing I was informed I ca n't close on my house if I continue to fight these fees. If I close on the house then I waive my rights to fight the charges. They know that I have no choice to accept the extra charges because I had been required to vacate my current residence XXXX. I feel they purposely waited and backed me into a corner where they could take the most advantage of me. As they push my loan farther and farther back I get closer to the point where my rate will no longer be locked in, and they will have the opportunity to raise it, I am afraid this is the direction this is headed in, and again I will have no choice but to accept it because I desperately need a place to live.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: NY

Complaint narrative:
XXXX advertises a 0 % loan on the XXXX plow website XXXX I applied they confirmed then made a " mistake '' on the contract I called back and they were going to fix it. Instead i told the dealer that I would purchase the plow outright and paid with a check. XXXX never cancelled the original contract, two month into the loan i called to pay it off they charged me a 9.9 % interest. Please let me know what my legal recourse is. 

Thank you,

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 2015-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
Branch Banking & Trust Company is my client 's lender. I am a XXXX XXXX. They requested more document 's without on XX/XX/XXXX XXXX and Denied him XX/XX/XXXX XXXX, less than 24 hours. I received the document 's later that afternoon. The document outstanding was for food stamps transactions. We provided them information of the account being an open status and that was insufficient. Homeowner is not computer literate and we struggled to get the statements as we could n't reset the password during our appointments because he did not have a smart phone we had to wait for his daughter to access his email after school.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation