vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am XXXX patient account number XXXX all bill i paid on time, but they send to collection without any notice, I paid full amount on time to XXXX not to collection, I heard they send statement to wrong address, that is not my mistake, I used only XXXX mailing address that is XXXX XXXX XXXX XXXX # XXXX, this mailing address more than 4 years in patient file, in the time of ER why they used other addressee I do n't now. I talked to XXXX, XXXX XXXX XXXX XXXX they said we got this information from XXXX XXXX XXXX XXXX, I called to XXXX XXXX XXXX XXXX XXXX they told me ( you update your address after statement ) but I got call from XXXX In XXXX 2015, they told me this bill from XXXX, that is way I called to XXXX to correct the own problem b/c they used wrong addressee, when I got the statement I paid unpaid balance full to XXXX not to collection. 
Because of them my credit report is damaged, I need correction from XXXX XXXX XXXX XXXX and XXXX to fix my reportXXXX/ XXXX/XXXX take responsibility, I am not responsible for late fee, they never send to me any statement to me, I do n't now my credit card number too from them. 
Please clear my credit report in right way I am not responsible for above mistakes

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
In starting a Short Sale Approval process for a signed contract for the borrowers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's ) mortgage loan with NationStar ( Loan # XXXX ) the bank is insisting that the home be " given a broader marketing '' which equates to an auction. The owners are under contract to sell to buyers and getting under contract with other buyers can put them at risk of a lawsuit. If the purchase offer is not satisfactory, the investor/bank has the right to counter the offer. They do not have the right to auction a property they do n't own.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: AR Resources, Inc.
State: NY

Complaint narrative:
Today one of the representatives called me while I was at work and was very rude on the phone. I let him know that the whole situation will have to wait because I 'm at work and he told me it could n't because it affects my credit. After that he started talking over me as I was speaking to him explaining I ca n't continue on trying to figure out this how to fix the situation. Things escalated and I ended up having to hang up on him because he was still rude to me after I explained to him he is not supposed to be talking to anyone like that especially as someone who works in an office. I feel harassed and he was being manipulative and I do n't appreciate that. On top of that I also explain to him about how my medical insurance already paid out what they could and sent an explanation of benefits to the hospital and if he needs to talk to my medical insurance than he should. He wanted me to get them on the phone with him in a 3-way call which I did n't have the time for. He was very rude to me throughout the whole conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I just received a package today XXXX XXXX, XXXX from Nationstar Mortgage. The Package contained documents to be completed and return to Nationstar Mortgage in order to begin evaluation process for the Making Home Affordable Modification Program. They started by saying they receive inquiry for the Making Affordable Modification Program from me which I did not ; that is a lie. Nationstar sent me this same kind of package twice in the past in which I told them I did not seek inquiry about Making Home Affordable Modification Program. I applied for Making Home Affordable Program in XXXX and I was well qualified then for the program with XXXX XXXX Home Loan Corporation. In XXXX Nationstar became sub servicer to XXXX Bank, then the XXXX Servicer and eventually took over my XXXX Loan Modification. The modification is still in progress and never was concluded till this day. I have already been considered and qualified for the program in XXXX. It looks to me is a scheme to deceive me to sign me of my XXXX Loan Modification they took over in XXXX. They are playing hardball with me which they have been doing since XXXX. Nationstar have been trying hard to steer me off the XXXX Program in order to get their way. Attached is the letter and the documents they want me to complete and return. They are trying to make me look as if I am a new applicant to XXXX Program. I have been through XXXX extensions of Mortgage Modification in XXXX and XXXX already. This is another lie, and steering and playing of hardball are what they have been doing with me since 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 2016-02-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Quickenloans/Quickenloan XXXX XXXX, XXXX on my XXXX REPORT This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Quickenloans/Quickenloan XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
my mortgage payment is n't due till XXXX XXXX 2017 due to plan already set up with resolution team, my - escrow was already sent in and computer at quicken loans has all my records wrong and not up to date.have called and sent a letter to quicken loans resolution team, i also received a mortgage payment letter in mail stating not due till XXXX XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Our loan was with XXXX, which was a horrible experience. we never been late and we 've always paid our property taxes. So we asked that no escrow account be set up. they proceeded to stick a XXXX. + charge on us and no one can explain the charges so we continued to pay ONLY our mortgage. NOW, XXXX companies later, and so many calls later, we are still trying to get this charge removed. We 're not able to get anyone at Nation star to help. I have copies of our taxes being paid the year they 're claiming. please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: WY

Complaint narrative:
We have been struggling with our mortgage company and its servicers for 8 years. We have attempted numerous loan modifications, settlements, and uncovered improper loan securitizations on their part. We are hoping for a resolution. On XXXX XXXX, 2016, I received a certified letter from XXXX XXXX XXXX with a notice of foreclosure. The first newspaper publication is scheduled for XXXX XXXX, 2016. The same letter lists the information that the statute requires a 10 day notice before the first publication. As you can see, we 've only been given an 8 day notice before the first newspaper publication. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONS LENDING CORPORATION
State: OH

Complaint narrative:
Sales Manager keeps asking for same info repeatedly and some info that can not be obtained. Have been supposed to close on the loan for past 5 weeks and still nothing. They have everything I can give and what they have asked for has been sent 2 or 3 times already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I submitted a complaint in some time ago regarding monthly maintenance fees which went unresolved. As a result, in XXXX, through my online banking, I submitted an electronic message to BBT to close my account and send me a check or bill for money owed on the account. They failed to do so. Ultimately, the bank continued to charge my account maintenance fees despite my request to close my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
When my daughter and son-in-law refinanced their home on XXXX/XXXX/2012 Quicken Loans did not file a Release removing my name and my husbands from the deed on the house. We had cosigned on a prior mortgage but not on the one with Quicken. Subsequently, creditors we were unable to pay filed liens against the property. We are unable to pay the liens and this has caused my family to be unable to refinance or sell the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
My husband and I have a mortgage with Nationstar Mortgage and use a company - XXXX XXXX to make bi-monthly to the mortgage company. This agreement was set per Nationstar 's instructions. Last year XXXX our of payments were incorrectly applied by Nationstar and resulted in a credit reporting of XXXX late payments for XXXX, XXXX and XX/XX/XXXX. My husband and I repeatedly tried to get this cleared up and were told it had been fixed every time. Recently I applied to be pre-qualified for a home loan and was told there were XXXX late payments on my credit report XX/XX/XXXX. It took a month of repeated phone calls and finally they generated a letter that stated they would fix the incorrect reporting. The letter was useless - it stated the dates were for XXXX - XX/XX/XXXX not XX/XX/XXXX XXXX Please note that it is barely XX/XX/XXXX we have n't gotten to XX/XX/XXXX XXXX In addition it turned out that Nationstar had reapplied the payments XX/XX/XXXX which resulted in overpayment. The company suspended and held on to those extra funds totaling over {$1000.00} until XX/XX/XXXX. According to Nationstar 's policy they are required to return any funds held in suspense after 90 days. It took my repeated nagging, unpleasant phone calls to get this sorted out ... .yet ... here I am again ... .on hold ... waiting ... for them to fix the problem they created over a year ago with a letter I can not use to clean up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
XXXX real estate accounts with Select Portfolio Servicing are reporting on all XXXX of my credit reports. Select Portfolio Servicing has continued to break the law and report inaccurately to the XXXX credit bureaus. They have violated the FCRA over and over again. In particular they have violated FCRA Section 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ). They had 30 days to report that I had disputed their the accounts and after numerous letters to them it has only been in the month of XXXX that they added the dispute language. Well after receiving numerous letters from me, asking them to validate the debt. In addition, to the above egregious acts they continue to report the amount wrong, they keep re-aging the foreclosure and charge-off. I have NEVER received foreclosure documents or charge-off documents. Lastly, I was told today that my accounts had be transferred and they have no information that they can provide me with however, they have enough information to keep inaccurately reporting to the credit bureaus. I believe that their actions are egregious toward me and as a direct result should be removed from all XXXX of my credit reports. I have pulled reports without the dispute language and reports with the language. 
I 've reached out to all XXXX credit bureaus only to continuosly responded with scripted information. XXXX ignore my concerns, talk extremely rude to me and have refused to help me. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Dear Regional Acceptance, I included the following documents : RAC Payment Admin - EZPAY - Phone Payment Confirmation Notice # XXXX am disputing a missed payment currently reflected on my credit reports ( attached ). 
On XXXX XXXX, 2014, I made an EZPAY Phone payment on my account in the amount of {$470.00} Confirmation # XXXX. However, in XXXX of 2014, my account was reported to the XXXX major credit bureaus missing ( XXXX ) payment. 
Please see the attached confirmation and please report to the XXXX major credit bureaus ACCURATELY as NO MISSED PAYMENTS since inception of the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Homeowner XXXX XXXX disputes charges that have been made to her mortgage account by the servicer of her mortgage, Nationstar. She has tried to resolve these disputes by working directly with Nationstar but Nationstar has failed to correct the problems and has failed to respond to a Notice of Error sent on her behalf. On XXXX XXXX, XXXX, our office sent a Notice of Error pursuant to XXXX to Nationstar detailing how Nationstar had erroneously overstated her escrow shortage and asking Nationstar to correct the error. Under the CFPB regulations, Nationstar had 30 days to correct this error or to respond to the Notice. Nationstar has neither corrected the error nor responded to the notice. Instead, Nationstar has taken more aggressive collection action against XXXX XXXX and is now threaten to foreclose on her home. 

Since receiving our XXXX XXXX Notice of Error, Nationstar sent a billing statement dated XXXX XXXX, XXXX, to XXXX XXXX stating that she owed {$4300.00} the loan. On XXXX XXXX, Nationstar sent XXXX XXXX another letter inexplicably stating that now owes {$9000.00}, more than double the amount it stated she owed XXXX weeks before. In this letter, Nationstar threatens not only to foreclose on the home if XXXX XXXX does not pay the entire amount by XXXX XXXX, but also to seek a deficiency judgment against her personally. Nationstar appears to have illegally padded its fees for the loan by demanding payment in the amount of {$3600.00} for " Document Transfer Stamps '' ( although XXXX XXXX has owned the home since XXXX ) and {$3000.00} for attorneys fees ( although XXXX XXXX is not in foreclosure. ) In effect, Nationstar is retaliating against XXXX XXXX for exercising her right to send it a Notice of Error under the CFPB regulations. Rather than correct its error or even respond to the Notice is it is required to do, Nationstar is instead seeking to punish XXXX XXXX by adding unwarranted charges to her account and threatening to foreclose on her home if the charges are not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
My husband and I have been trying to get our mortgage company NATIONSTAR MORTGAGE COMPANY, to give us the balance on our home loan in writing since early 2015. Our first few request were placed through our attorney to Nationstar 's attoney. We were told on numerous occations that Nationstar 's attoney would try to facilitate obtaining this information. We found your website and folowed the directions listed and sent our first formal request ourselves on XXXX XXXX, 2015. This prompted a response that no information would be forthcoming, per XXXX XXXX XXXX, our Nationstar appointed contact via email. ( after we inquired XXXX more times for the balance ) I would think that this information would be very easy to obtain, since this would be just a click of a button to find a loan balance that they are servicing the loan for. We filed a complaint with the CFPB on XXXX XXXX, 2015. Nationstars attorney responded to the CFPB on XXXX XXXX, 2015, we had court on XXXX XXXX, 2015 and Nationstar was ordered by a Federal Judge ( Judge XXXX XXXX, of the XXXX District of Oklahoma ) to correspond with us through a Court Order. Once again we followed the proper protocall and mailed a certified letter requesting the balance on our home loan at this time. This second certified letter was mailed on XXXX XXXX, received by Nationstar with the Court Order attached on XXXX XXXX, 2015. Nationstar NEVER responded to our request as they are suppossed to once this request is received in the five ( 5 ) day time frame upon receipt of our request. It is our desire to know the balance on our home loan as we have received nothing from Nationstar in the 4 years that they have serviced our loan and we have been in a Chapter XXXX bankruptcy. A court order is in place ordering them to communicate with us and they still choose to ignore this Court Order. Our bankruptcy will be discharged in about a month and we need this information to possibly refinance our home due to the HORRIBLE way we have been treated by Nationstar Mortgage Company and their lack of Customer service. This is a very basic request and we do n't understand why Nationstar has blatantly ignored our request. Also in our first complaint to you Nationstar has a habit of changing our address on corresspondence to show it was mailed and this could be why it was not received. I 'd like to see if any such mysteruous correspondence is once again fraudulently floating around in their computer system. No mail has been received in connection to our request at our attorney 's office or at our home address as Nationstar was ordered to change our address too as of XXXX XXXX, 2015. Thank you in advance for your assistance with this complaint. The CFPB was extremely helpful in XXXX when we filed our previous complaint in helping to facilitate the placement of the Court Order to correspond with my husband and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 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: NY

Complaint narrative:
a collection agency is attempting to collect a non existent debt and is constantly calling me

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
Was never called or recieved any written notice of ant debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Municipal Collections Services, Inc.
State: IL

Complaint narrative:
they keep calling my cell phone number which I have never given them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
I am still in bankruptcy and they are harassing me saying I have not paid when I have been paying and so has my Trustee. They have money of mine and have not applied it to the loan. No one can tell me who my mortgage company is I think it is XXXX XXXX but Select Portfolio Servicing says that they can not tell me. They are scammers and I am XXXX years old and an Veteran I served my county and I do not deserve to be treated this way/Thank youXXXX XXXX

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