vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; This is XXXX XXXX 's SECOND response to following SPS compliant responses : I suspect that I would not be in default of my mortgage today if XXXX XXXX XXXX had execute a market principal reduction in engineering my XXXX modification. 

I need a review of what maximum principal reduction that have been in XX/XX/XXXX. I received no principal reduction in XX/XX/XXXX. Why did n't I receive a principal reduction in XX/XX/XXXX when the house was on the market and would not sale? Why have a had to pay a mortgage based on an above market value for 8 years? We should have sold the house short in XX/XX/XXXX for {$650000.00} or modified the house for XX/XX/XXXX. 

SPS appears to lack the capacity of willingness to remedy this situation. I was defrauded by XXXX at the origination and manipulated into an uneconomic modification by XXXX XXXX XXXX. 

The original Mortgage would not have been underwritten if the fact that the taxes were higher than the P & I. This was also compounded by including XXXX-XXXX mortgages. 
I have resolved the XXXX-XXXX mortgages. XXXX from XXXX and XXXX from XXXX. 
I was living in XXXX XXXX at the time. 

The XX/XX/XXXX modification by XXXX XXXX XXXX did not offer a market principal reduction And once again did not disclose the uneconomic engineering of the mortgage. That is that the P & I was lower than taxes. Please review the attached proposal from SPS HAMP competition. 

Recommendations : I receive my original down payment of {$200000.00} plus interest. 
I receive {$200000.00} second mortgages payoffs. Plus interest. 

Sincerely, XXXX 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 2016-06-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC
State: NH

Complaint narrative:
I took out a loan from them thinking it was legal. After looking into my state laws they could only charge me 10 % they were charging me over 600 %. Violation in state law. I am protected under state and federal law. I do n't have to listen to no Indian tribe. I went to an attorney and they did n't respond to his request so he advised me that it is illegal and I do n't have to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I am being charged overdrafts fees for transactions that I should n't be. I should only be charged for XXXX overdraft fee and that is when I withdrew {$80.00} from the atm because I have also been having issues trying to get a debit card sent to me. When I withdrew {$80.00} I had money in my account but it was n't enough so that is the only time I should get the fee. Well BB & T decides to process my transactions in the order they want so I occur more fees instead of the order I used my card. So as of XXXX overdraft fees were {$100.00} when I called the customer service line she was supposed to credit XXXX and have a supervisor call. Well today XXXX XXXX 2015 I see I have another overdraft fee for {$72.00} because they charged me {$2.00} for calling them. I called back and was told XXXX thing from customer service and when I called the Branch in XXXX VA off of XXXX XXXX, XXXX told me something different. She also told me a Manager could not help me. I want this taken care of before I get my job to direct deposit my check. I should n't be charged almost {$200.00} for nothing. The only time I used my debit card to overdraft was XXXX time only and that was the last time I used it. If I did n't do that last withdrawal none of this would be happening. Its sad banks manipulate the way they post transactions to occur more fees for their clients.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
BB & T received an electronic payment on my account. On at least XXXX occasions, they took excessive days to post the payment, making the account past due and thus charging a late fee. XXXX instance was 9 days ( 6 business days ) ; the other was 13 days ( 8 business days ). They refuse to waive the late fees saying it takes several days to post payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Mortgage representative, XXXX XXXX, with Quicken Loans specifically told me that my refinance loan would be locked in at 3.5 % with no points or closing costs. When I got the paperwork it showed 3.75 %. I have the emails and message board showing his promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
My husband passed away and I am unable to continue to make the monthly payments, without his income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I received a Loan Modification from XXXX on my home in Georgia in XX/XX/XXXX. XXXX transferred my loan To Select Portfolio Servicing but my modification was not transferred. I was in bankruptcy at the time and the judge had to approve my modification and he did. SPS offered me the opportunity to get a modification in XX/XX/XXXX. I sent SPS a copy of my modification in return they sent me a letter stating that I withdrew my account from the modification process. I did not. I would like for SPS to acknowledge my modification because it is valid. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
For the XXXX time in the 26 months since taking over servicing of our mortgage, Nationstar Mortgage has failed to provide a monthly mortgage statement. This follows previous complaints about this same issue, with the first XXXX filed with the CFPB on XXXX XXXX, XXXX as Case number XXXX. The first complaint concerned not providing mortgage statements in XXXX and XXXX of XXXX. Nationstar then did not provide mortgage statements in XXXX and XXXX XXXX, and XXXX XXXX. That caused us to file complaint number XXXX on XXXX XXXX, XXXX. We subsequently also filed a complaint over the failure to provide the disclosures required by 12 CFR 1026.20 ( d ) between 210 and 240 days prior to the reset of a mortgage payment, and Nationstar refusing to provide a copy of the Note with " any modifications thereto '' as required by California Civil Code section 2943 ( b ). 

12 CFR 1026.41 provides the exceptions to providing a monthly statement, and our case does not fall within any of the exceptions. Nationstar has cited the existence of litigation as their excuse for not sending the required statements, but in our situation, only a filing of bankruptcy by a borrower provides a reason for not providing a mortgage statement. We have never filed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
I requested XXXX XXXX via XXXX that PMI be cancelled on my loan on XXXX XXXX, 2015, by letter, and again on XXXX XXXX, 2015, via website. The reply implied that in 10 business days, there would be a response. On XXXX XXXX, I again contacted the lender through its website stating that I had not had a response at all. I still have not had a response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have gone through a divorce and my income has been severely reduced. I reached out to PNC Bank to inquire about getting some type of relief via a forbearance and was not offered any assistance. I have not been able to make my payment for six months and PNC refuses to negotiate with me and worse yet is charging me late fees every month. I have listed my home for sale and informed them of this as well. I am hoping you can help me to get some type of relief with PNC. I would like all fees waived and credited and for them to see if any type of relief is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
Please refer to the previous case with " Case number : XXXX ''. I finally decided to close the PNC virtual wallet bank account for all the troubles that i have gone thru. But they keep on giving me hard times. 
1 ) First they tried to charge me {$25.00} as early termination fees - telling me that as i am closing the account in less than 180 days - they will do so ... even when it was well beyond 180 days of having this account. Later when i told them ... they did n't charged me anything like that. 
2 ) Since XXXX XXXX 2015 - i am communicating to them to close the bank account. But they are arguing and wasting time and not doing what is needed. I told them that i have already moved my funds out and I want to close the account. Did repetitive follow ups but no +ve steps from their side to close the account. Further they once again charged me lower balance fees ( around {$15.00} ) even when i told them long time back that this account needs to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: MD

Complaint narrative:
My wife and I purchased a home in XXXX, MD on XXXX XXXX of this year. The original lender, XXXX XXXX, XXXX XXXX Lending, subsequently sold the mortgage to Stearns Lending, LLC. To ensure that our mortgage payment was made on time, we set up an automatic bank deduction with the loan servicer, XXXX. That arrangement was corroborated by a letter from XXXX on XXXX XXXX confirming that the initial draft against our specified bank account would be drawn on XXXX XXXX. However, for unknown reasons that did not occur. We assumed that at some point the deduction would be made as per our instructions and waited for the debit to appear. When it became clear that the transaction due in XX/XX/XXXX did n't occur I contacted a Stearns agent in an effort to resolve the confusion. She informed me that we had authorized making a double payment instead of paying in XXXX separate installments, which we preferred to do. The Stearns agent accepted our request indicating it was okay void one of the payments. That would have kept the mortgage current. However on or about XXXX XXXX we received notice from Stearns that our loan was in default. When I subsequently contacted Stearns, I was told by a collection agent that no payments were made and that the original information provided by Stearns was incorrect. It turns out that all the attempted payments were inadvertently cancelled. Sensing that our credit was in jeopardy I immediately brought the mortgage up to date by making two payments. However, checking our credit score this week I noticed that it had dropped XXXX points in the last month to a " not good '' rating. Looking at the actual credit report I see that Stearns reported that we were 30 days delinquent in making our XX/XX/XXXX mortgage payment, even though we tried in good faith to do so. This unfortunate situation could easily have been avoided had I received adequate notice from Stearns that a technical default was imminent. Our credit report shows no previous mortgage delinquencies in our history and that we have always been up to date with these payments. A low credit score has consequences in terms of obtaining additional credit and possible employment. We believe Stearns ' action has tarnished our reputation and that as a remedy the company must correct the delinquency report to the appropriate credit reporting agencies. Premature delinquency reporting is an unacceptable tactic that amounts to harassment causing considerable emotional stress. Incidentally, no late fees were imposed during this entire period indicating that no delinquency actually occurred. We have also filed a complaint with a credit bureau which is investigating the matter. Thank you in advance for your consideration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CONTRACT RESOLVE GROUP LLC
State: NC

Complaint narrative:
XXXX XXXX of Contract Resolve Group L.L.C. in XXXX, Texas wo n't let up. He is slandering our name and business all over the place. Calling my boss at my job, calling our landlord and other people who have nothing to do with this bill owed and telling them how much we owe. This should be considered unfair practice. This debt owed is no one else 's business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
How are you doing, and hope all i well. I had posted a comment before about PNC bank, and how they have not helped me with my disputes. They actually recently reversed a {$210.00} dispute, and now I am - {$930.00}. This is ridiculous for real, these banks do whatever they want to you and your account. They charged me {$7.00} up to {$92.00} for not having positive funds. Because of their judgements I have defaulted on student loans, late on rent, and just been hard with no funds. I reported that my debit card was compromised by my nephew, and he took all those funds out my account. I reported it to PNC, and cancelled my debit card for a new one. They later said after like 2 weeks that they could n't do anything for me, because my nephew knew my pin somehow. I understand that, but I never gave him my pin and he must of seen me withdrawing money and saw my pin digits. And I never thought in a XXXX years family would do this to me too, and I filled out a police report on the matter and nothing. This is very upsetting, because I live day to day and do n't make a lot of money. Its sad to see a huge bank not help you at all, or just make their own decisions on your matters. I do n't do claims or disputes for fun or a living. I actually think its embarrassing, and upsetting you have to call your bank for this, and when you do they do n't do anything for you, but if you owed them money you ca n't let them wait or make your own judgement on the matter. They sent me latters in the mail saying the transactions were just, and the atm film too. How does that even make sense? They are not just, because I reported them to the bank as fraud. It 's only like {$1000.00} not a {>= $1,000,000}, and that money was for my everyday survival. It 's sad to see a bank like this not help its customers the way they should, and I think these banks get away with anything they want too and that 's not fair to us the people that keep these banks running with our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance One, Inc.
State: FL

Complaint narrative:
I just got a call from a collection agency at XXXX on XX/XX/XXXX stating that I owe $ XXXX to XXXX County Florida for an automobile-related ticket in XX/XX/XXXX. It is currently XX/XX/XXXX. That means that they waited seven years to collect a debt I was completely unaware of. The original debt was {$10.00}. I should n't have been able to renew my license or vehicle registration with any outstanding balance. I had no notice that there was a debt owed. My XXXX credit score that I have worked hard to build is going to be ruined for seven years over {$27.00} that I would have paid seven years ago if I knew it was outstanding. I think this a complete oversight on the part of XXXX County. I ca n't imagine it is legal, and it is certainly unethical, to send someone to collections without notice over a supposed {$27.00} debt that was owed seven years ago. My credit is extremely precious to me. I 'm outraged to say the least. I would pay XXXX County Florida literally thousands of dollars not to trash my credit for the better part of the next decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I met all of the requirements for a {$200.00} bonus from PNC bank and now they are not honoring the offer. The offer stated that the bonus would be paid " within 60 days '' from the date that all of the requirements were met. I have an email from PNC dated XX/XX/XXXX stating that all of the requirements were met. I called them last week and spoke to a banker named XXXX at the branch where I opened my account at XXXX, XXXX, MO XXXX. He told me he needed to contact corporate office and would get back to me. When I spoke with him this morning, he stated that I would not be receiving my bonus at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I purchased a 2007 XXXX XXXX nearly 4 years ago for {$10000.00} with $ XXXX down. My payments are {$340.00} per month. I just called to see what my payoff was and they told me it was nearly {$14000.00} This seems like unfair lending practice. How can I have paid on a used car this long an owe more than I purchased the car for. What are my options in getting out of this without messing up my credit? 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 2015-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: FL

Complaint narrative:
Stearns Lending LLC took over my mortgage from XXXX in XXXX 2015. On XXXX XXXX 2015 my loan balance was {$250000.00} and aI sent a wire in the amount of {$240000.00} leaving a balance of {$15000.00} on the mortgage. Today I called the service rep at Stearns lending - expecting that my payments would be reduced significantly commensurate with the pay down. Instead the Supervisor XXXX XXXX in Custom Service said my payments would continue to be {$1700.00} per mo as they were before the PAY Down - saying further that {$1000.00} f that would be interest. These does not smell right or seems right to me. At all. 

Further she went on to demand that i pay {$300.00} for a RECALC fee - in ordere for themn to reduce the paymemnt amount. {$300.00} fee on a $ XXXX balance - which I could easily pay off today - seems ridiculous - esoecially in light of the large pay down I just made and seems userious and FEE Execessive. The interest demand of {$1000.00} can not possible be justified on teh {$15000.00} balance at 3 % interest rate. 

My intent is not to drag out this mortgage more by to pay it off within a few months as a matter of convenience. I do dnot expect to pay a {$300.00} reclalc fee and beieve this violates Federal Law and the large Interest payment demand of {$1000.00} seems usurios and excessive and wrong and ust vilate many federal Lending laws - and if they are treating me this way with the excessive feeds and interest after such a huge Pay down - they must be also doing this to many XXXX of naive consumers as well This is wrong. There should be no fee for any recaclulation and the payments should automatically be adjusted at 3 % on the balance remaining. 

I believe Stearns Lending LLC is in violation of Federal laws here and abusing COnsumer Lending practices. Stearns ending XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Ashfield Management Services Inc,
State: CA

Complaint narrative:
Called me at work repeatedly an on my cell phone. Threaten to take serve me at home and my place of work. I do n't think that a small claims has been filled. Lots of scare tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My PNC Bank application number is XXXX, I purchased XXXX on XXXX through XXXX XXXX XXXX on XXXX for {$46000.00}, 3.99 % interest rate for 60 months. I also refinanced with XXXX XXXX XXXX XXXX for 1.99 % for 60 months for {$47000.00} and received check from them on XXXX. PNC Bank is refusing to give the pay-off amount telling that they are still waiting for details from the dealer and no account has been created yet and refusing to give the account number. The dealer said they sent the contract around XXXX and told to contact PNC. PNC bank representative are telling to contact the dealer. It appears that PNC Bank is not happy with me for closing the loan too quick and want to get some interest from me. I request Office of the Consumer Finance and Protection Bureau to help me get the pay-off amount from PNC Bank and also request to waive the interest from XXXX since I would be paying interest for both the banks. Please call me XXXX or XXXX for my SSN number or Date of Birth or any other information required to resolve this issue. Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief