vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I was trying to make a payment to Select Portfolio Servicing on XXXX/XXXX/2016 and it was refused. They threatened to put a foreclosure on my home.. In XXXX I filed a RMA Modification with them, they 've been making constant claims that they have not receive the XXXX pages needed almost deterring progress, they 've been giving me the run around after receiving the XXXX pages and then proceeding to ask for all pages, the first set of forms were faxed and mailed. I uploaded the form on XXXX/XXXX/2016 waiting to hear from 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 2015-11-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XX/XX/XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
sent in payment to nationstar mortgage of XXXX for XX/XX/XXXX and they said it was not recieved contacted XXXX money order XXXX money order number XXXX I informed nationstar of all this info and they do n't even what to bother to look into it, they wish for me to fax a copy of the money order so I will fax them a copy of check that was cashed on XX/XX/XXXX even though I gave them all this information, So I will pay my XX/XX/XXXX payment again so as not to ruin my credit, from what i got from them is they made a mistake m and I have to prove I sent a check to them because if not I will still owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BB&T CORPORATION
State: SC

Complaint narrative:
I did not give permissable authorization for XXXX XXXX XXXX give my credit report information to Regional Acceptance Corporation for a application on a vehicle loan. I have governmental XXXX financingnever signed anything asking the agency for a loan. The corporation solicited expolitation of my identity using A false address. The actions taken by this company was fraudlent and assistant CEO executive XXXX was notified about their hard inquiries about them violating my credit privacy. I hereby warned Priority store manager XXXX that I demanded their office to call all 8 companies that have been CFPB reported to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation and want total immunity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc.
State: GA

Complaint narrative:
I received a letter from AR Resources dated XXXX XXXX, 2016, and received it via US Mail on XXXX XXXX, 2016, claiming I owe a balance of XXXX. I am not aware of any outstanding account with AR Resources or any affiliates of AR Resources. I responded with a letter of verification and validation within the 30 days prescribed by FDCPA Laws. AR Resources received my letter on XXXX XXXX, 2016, via US Mail Return Receipt and per conversation with XXXX XXXX, Supervisor within AR Resources agency, and they failed to provide me with any verification or validation of the alleged debt before applying this negative balance to my credit file on XXXX XXXX, 2016. AR Resources provided a copy of what appears to be an office generated bill, attached to this complaint, that I have no knowledge. I am requesting AR Resources to provide me with a copy of all " original " documents that were signed by me, XXXX XXXX, proving I received treatment or services on the alleged date and any documents that I promise to pay for any treatment or services. I also request proof of the assignment of this alleged debt to AR Resources. A copy of an alleged billing statement and no signed " original '' documents is not enough information for AR Resources to validate their claim nor enough information for me to open a personal investigation into this matter. AR Resources has not validated their claim and also has applied this balance to my credit file without proper validation or verification, after having full knowledge of my request. I am requesting and immediate expulsion of all negative reporting by AR Resources to all credit reporting agencies, because they are not in compliance with the FDCPA Laws and until they can provide valid proof I, XXXX XXXX, am the person in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
my complaint is against BBT the bank I have a checking account ending on # XXXX, they are taken money without my authorization or permission to pay BBT Visa and unsecured line of credit, I notified them, I 'm extremely ill and I need to declare bankruptcy I notified them by XXXX XXXXmail and letters still they wait for my social security to come throught to take the money out, when I was not ill I used to make payments on a monthly badsis at the bank, now that I 'm deckaring bankruptcy they are taken the money to pay the XXXX VISA and unsecured Line of credit, I need my social security to live on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I am thankful to Nationstar for giving me a Permanent Loan Modification under HAMP. But I notice the following deficiencies in the attached Offer : 1. ) The HAMP prescribes a start rate of 2 % for the first 5 Years, whereas Nationstar started with 3 %. If I am eligible for the Modification at 3 %, why am I not eligible at a lower rate of 2 %? 

2. ) Under HAMP there is an incentive of {$5000.00} ( and some of my friends got a XXXX incentive of {$5000.00} again, after 5 years ). However this has not been offered to me. 

3. ) The Property Value is only {$510000.00}. Please see the attached print out from the XXXX Dept. of Finance. So using the XXXX Standard Water Fall Step of HAMP, I should have been given a Principal Forbearance of about $ XXXX, whereas Nationstar increased my Principal Balance to {$720000.00} and charging me interest on the whole amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
On or about XXXX XXXX, 2015, I received an email regarding refinance of a mortgage. I provided contact information. The first company to call was from XXXX, CA. Since I had gone to a master 's degree program for a year in XXXX, CA, I had a nice conversation with the caller from Loan Depot. The XXXX company to call was Quicken. I was aware that Quicken advertised themselves as being Highest in Customer Satisfaction by XXXX XXXX XXXX. I received an email from XXXX XXXX of Quicken on XXXX XXXX, 2015 saying he would be my Home Loan Expert. I sent XXXX XXXX an email on XXXX XXXX, 2015 saying that I needed immediate answers by XXXX the next day. XXXX XXXX called and offered my nothing more, except absolutely outstanding service. I went with Quicken on this promise. From the start, virtually all of the communications from Quicken went into my Spam folder. I did not have this problem at any other time and it was a distraction. Throughout the process, XXXX XXXX and XXXX XXXX XXXX, my Client Care Specialist, were out of the office infrequently. XXXX XXXX had XXXX people contacting me in her absence. A major problem with Quicken was their inability to obtain documentation from my condominium company on my development being an over XXXX community. Two or three times, Quicken asked me for contact information on the condominium company. I gave them the link on each occasion. After quite a while, Quicken then changed their request asking me if I had a copy of the bylaws. They asked me if I had the documents and asked me to obtain them from the condo company. Let me state at this time that I chose Quicken because of the personal commitment of XXXX XXXX to provide outstanding service. I purchased my condo about 4 years ago on a 30-year mortgage. I am XXXX years old. I decided it would be good to pay off as much of the condo as i could before i passed. This would make it easier for my wife. XXXX XXXX had people substituting for him and XXXX XXXX had person filling in for her. It made for an unsatisfactory situation. I provided all the information requested on an immediate basis. At the time I opted out of my loan, the bylaws issue was not being acted upon. Quicken asked for a deposit of {$500.00}. They returned {$120.00}. I would like to have my {$370.00} returned because of poor performance. I certainly did not need to have my credit checked ( which they did not include as a requirement ) or to have an appraisal. Quicken does not require a deposit today. Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I began a refinance process with Quicken Loans. They are my current mortgage holder, and I refinanced a year ago with them. I was told at that time that if interest rates changed, that I would be able to refinance again with no costs. So I started the qualification process with them in XXXX 2015 I believe.. What happened over the next two months was inexcusable. In summary, Quicken destroyed my credit rating with their excessive Hard Inquiries on my credit report. XXXX in one day in fact! My credit score went from approximately XXXX to XXXX in a matter of weeks. I took out no new credit, In fact, I paid down my credit cards. I have spoken to them numerous times about this and they deny any responsibility for the steep decline in my credit score. Yet the data from XXXX XXXX tells the entire true story.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
I have been trying to order an appraisal that I will pay for ( request to remove PMI ) since XXXX XXXX. Through lost paperwork, wrong " action codes '' entered in their system and overall lack of response I am still sitting here on XXXX XXXX waiting for someone to just call me to set appraisal date. I did get a call from them on XXXX XXXX promising a call within XXXX business hours. No call. So since then I have sent multiple emails and left XXXX voicemails and response from them besides the automatex email responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Im not able to open an account due to a check I had no idea about. I was young and not thinking about why I would receive a check in the mail. I placed the check in my account and I waited three days like the teller told me before I could remove any funds. After three days I went to the bank to find out that the account was onhold/closed due to a fake check. Ive been trying to resolve this problem for the longest time. I had to cancel my direct deposit and wait for the money that was in the account already to be released to me by check in mail. I currently have a prepaid card that Ive been using since then. Im working on building my credit and hopefully will be buying a house. I cant do any of this if this matter is not resolved. I ask that it be removed off my credit and that I have a second chance. I call XXXX and had the report mailed to me so that I could find out why I cant get an account in my name. I filed bankruptcy in XXXX 2012 it was discharged in XXXX 2012. I believe this was included as well

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
On XX/XX/2016 I filed with Quicken Loans to refinance my mortgage. I paid {$500.00} for the adjuster to give me price on my house. I currently have a FHA Loan at 3.5 % I sent every paper they asked for. Called them every few weeks for update on closing. On XX/XX/XXXX they told me the loan could not be finalized at the rate I was promised because too much time had lapsed. It is not my fault time lapsed. I want my {$500.00} for the adjuster that I paid in full as requested by Quicken Loan and than they cancel?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
National Star returned XXXX of my payments. The payments are for the correct amount. However, they want me to continue to pay for their insurance policy. The funds that are sent to cover my current, active, insurance policy are n't being applied. Instead they are being utilized to cover the insurance preferred by National Star. Further, National Star Bank continuously, refused to honor my request to cancel their insurance. They are trying to force me to pay for both. I indicated, several times, that I did not want to utilize their insurance company. National Star stated that I have to pay on their insurance and my insurance company payments will be an additional payment and held in escrow. I did not agree to pay for both, especially their 's, policies. Also, they keep reporting me late to the credit bureau and I am suffering from their poor decision making and torpid policies. They should not retrurn my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I applied for assistance in saving my home on XXXX XXXX, 2015 by submitting a complete financial package to my servicer Nationstar. On XXXX XXXX, 2015 I was advised I was denied for a loan modification on XXXX XXXX, 2015. I have been trying to get a copy of my denial letter and NPV chart so my attorney can appeal the denial however Nationstar is evading giving me the information. They are stalling and making me request these items in writing and soon my ability to appeal my denial will be over because they have stalled now XXXX days and I only have XXXX days to appeal. I have been told this is a common tactic used by Nationstar to stall after denial in order to evade an appeal. They finally sent my attorney the denial letter by fax on XXXX XXXX, 2015. But they purposely left out the NPV chart and said I have to request that in writing. Another stall tactic to burn more time with the goal of pushing me past the XXXX days period to appeal. I am now waiting XXXX days and still no NPV chart. Attached I have included my written requests required by Nationstar just to get a copy of my denial. I know there was an error in my last review. The reason they are telling me I was denied was due to " Negative disposable Income ''. I know this is not true. There is some sort of mistake with the information they have and the only way I can find out what information is wrong is if they give me my denial letter NPV chart in a timely manner. Please stop Nationstar from this practice of stalling and avoiding issuing a denial letter and NPV chart. It does n't seem right that they are now requiring people to request the NPV in writing and only issuing it to them after the time period to appeal has expired or almost about to expire. I am running out of time and Nationstar is purposely stalling so I can not appeal. This is wrong and I am sure they are doing this to many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
For the past two years, my mortgage was sold from one company to another, while I was in modification process, by the time the process goes thru, my mortgage would get sold. then I would have to start all over again with the other company. I have dealt with XXXX mortgage companies in the past three years, this last company Nationstar has been the worst, they dragged me thru this modification process, just to deny it and refuse to do anything, stating me its too late, I am desperate and very upset and do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I am working with the borrower on a short sale with Nationstar Mortgage. The lender is pushing the short sale into an auction site called XXXX but utilizing this site has been very stressful for the seller. He is an elderly man with health issues, he and his family have been continuously harassed by people, brokers and lawyers but Nationstar refused to bypass the auction. There is already a buyer involved and there is a legitimate offer on the table which we are trying to have reviewed. This auction site is very inconvenient and is technically not an investor guideline to review short sales.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My property taxes are paid from an escrow account with Nationstar Mortgage. As of XXXX XXXX, 2016 Nationstar Mortgage LLC raised my mortgage payment by {$480.00} a month with no notice. When I called to ask why they said my taxes went up by over {$400000.00}. This is not true. They told me I have to provide the tax bills. I am going to forward the paid bills to them on XXXX/XXXX/16. However, they are already in receipt of the bills. The mortgage payment is due no later than XXXX/XXXX/16 or my modification will be in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AP

Complaint narrative:
I originally had a home loan through XXXX XXXX XXXX in XX/XX/XXXX. I took our a VA mortgage to purchase my first house but had to move shortly after. in XX/XX/XXXX the renters in my house cause over {$15000.00} worth of damages to my home. The house was not livable without costly repairs. I spent all of the money I had repairing the house and could not afford to pay the mortgage. After my home was in foreclosure my loan was transferred to Nation Star Mortgage. I completed a loan modification packet half a dozen times and returned it to nation star. Each time I was never given a resolution. After a year and a half of trying I finally signed a document waiving Soldiers and Sailors Relief Act rights. I instructed the bank that they could sell my home now because I was told that because this was a VA loan they could not. It has been an additional year now and I am no closer to moving on with my life. The payments have piled up a level I can never hope to pay and I just want the bank to do what they have been threatening to do since XX/XX/XXXX. I gave them permission when I waived my rights and I have sent this documentation to the bank multiple times. This house has not been occupied since XX/XX/XXXX and it is destroying me financially.

Company response to consumer: Closed
Consumer complaint received 2016-08-05 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BB&T CORPORATION
State: DC

Complaint narrative:
XX/XX/XXXX BB & T Bank XXXX XXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX Credit Card account SS # XXXX, DOB XX/XX/XXXX This letter is a formal complaint that you are reporting inaccurate credit information to all XXXX credit bureaus. I have made many attempts requesting that you correct this with no response from BB & T. 
1. I 'm requesting that you remove all 30 day late payments this was a bank error. 
2. Please contact the branch that handles my accounts the payments were set up on auto draft. 
3. Your contact person is XXXX XXXX located at BB & T XXXX her direct number is 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