vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Paid off loan in XXXX 2012. After multiple attempts have yet to receive my title or a lien release letter. Was told the original was " lost in the mail ''. Now I am expected to replace a title already paid for once and wait until Ally Financial decides it 's convenient for them to send me my documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
Iv'e been trying to get a loan mod since XX/XX/XXXX thru XXXX ( XX/XX/XXXX ) who assumed from XXXX ( XX/XX/XXXX ) & servicers afterwards ; XXXX & Nationstar , who all decline me on different reasons. Recently I discovered evidence of appraisal fraud when I bought home in which loan Originator XXXX Rep inflated value by $ XXXX which resulted in me overpaying & now facing Foreclosure auction in weeks.

Company response to consumer: Closed
Consumer complaint received 2016-07-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I recently ordered and reviewed my Credit Reports from XXXX and XXXX. During that review, I discovered a serious mortgage loan reporting error on those reports from NationStar Mortgage. These incredible inaccuracies are having a serious, negative impact on all aspects of my life : financial, professional, personal. 

I 've attempted various calls to NationStar to discuss and resolve this error. The response I 've received from NationStar and its reps can only be described as a " runaround ''. I contacted them on XXXX/XXXX/16, during which time the rep took all pertinent information and told me it would be submitted for research. I re-contacted NationStar on XXXX/XXXX/16 and was told that there was no record of my earlier call. On XXXX/XXXX/16 I re-contacted NationStar and was told by that rep that no research would be done without it being requested by me in writing. On XXXX/XXXX/16 I faxed XXXX to the number given me by the XXXX rep ) a written complaint to NationStar Research Department, laying out my concerns and attaching all relevant information. 

It 's now been 2+ weeks. I have no acknowledgement from NationStar that my faxed complaint has been received. If it has been received I have no acknowledgement that it 's being worked on. If it is being worked on, I have no acknowledgement of an estimated timeframe to complete the research. In other words, I 'm totally in the dark ... still. 

Before Nationstar, this mortgage loan was serviced by XXXX and was originated by XXXX XXXX XXXX prior to that. 

Please investigate these matters and correct the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC
State: IL

Complaint narrative:
After several unexpected medical bills, and with no living family to turn to, I was forced to search for a quick way to pay bills in advance of my regular paycheck. I found Green Trust Cash after a frenzied google search and the agent I spoke to was friendly and understanding, if hurried and pressuring me to see the benefits of having cash now. Agreeing, I accepted the terms of the loan, not understanding the incredible interest rates or the way that I would not be able to increase my payment schedule/pay the principal down quickly -- - although the agent I spoke to assured me that repayment was easy. I received the {$300.00}, less {$25.00} in wire transfer fees, and the schedule for repayment began. As per the loan agreement, I paid {$720.00} over the course of 3.5 months, more than 200 % of the loan. However, with the clear of day, I have come to understand that they are attempting to charge me 751.07 % ( or a total of {$1400.00} ) for a loan of {$300.00}. I was unable to keep up with their punishing 'repayment ' schedule, that actually kept the principle very high, so as to keep me paying for as long as possible ( more than 1 year ). I closed the bank account they were aware of in order to get some breathing room ( after being charged late fees/overdraft fees ). Then, before I was able to contact the lender about finding a schedule that would fit within my state 's legal repayment/interest laws, Green Trust Cash began to badger and call incessantly. Some times as often as 4 times a day, on my personal and work phone numbers. Having a diagnosed XXXX, I have been thus far unable to answer their abusive emails, voice mail messages or calls. I am in over my head and in need of help. Please do not trust this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
BB & T sent me a letter saying I have " delinquent credit obligations with BB & T ''. I only have XXXX open account with BB & T, it has a XXXX balance and has for over six months. It is not delinquent. The letter also says " We have told a credit bureau about a late payment, missed payment, or other default on your account '' There is no late payment on my credit file and my account has a XXXX balance so they have no right to do this. 

They have taken adverse action against me based off this information and I would like for them to remove all erroneous information from my account with them and from the credit bureaus.

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 2016-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Nationstar mortgage gives me no way to remove pmi on my loan. Main loan has a balance of {$140000.00} remaining. Got a HEL from local credit union and they valued home at {$240000.00}. XXXX values at {$210000.00}. Nationstar says my home is worth {$140000.00}. I asked if I can get and was willing to pay for an appraisal from a company of their choosing and they ignored that request just saying my LTV was at 97 %.

Company response to consumer: Closed
Consumer complaint received 2015-12-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
XXXX XXXX/NationStar letter dated XXXX XXXX, 2015 is inaccurate. My letter was not dated XXXX XXXX, 2015 but was dated XXXX XXXX, 2015 which was within 30day appeal window from the NationStar XXXX XXXX, 2015 denial letter. ( Please see CSPB Case # XXXX XXXX. On XXXX XXXX. 2015 NationStar Customer Relations denied HAMP 1, HAMP II and Standard Modification were Default not imminent. On NationStar letter dated XXXX XXXX, 2015 stating that our loan # XXXX was suspended because our account was not current. Therefore we are qualified HAMP1, II and standard loan modification. And I have appealed with in 30days on XXXX XXXX, 2015. XXXX XXXX purposely not tell the truth and denied the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I had opened a Chase Freedom credit card with Chase. I also had XXXX other accounts related to this company. On XXXX 2015 statement it clearly identifies that the 0 % promotion was still active and that it was going to be expiring in XX/XX/2015. That is all that it showed ; it did not give a specific date indicating the promotional expiration. 

I paid the card off in full by the due date and thought everything was ok ; I paid off the 0 % balance. 

Then in XX/XX/XXXX statement they charged me XXXX in interest charges. I tried contacting the company and XXXX " supervisors '' ( XXXX and XXXX ) refused to refund the interest charges. They then claimed that the promotion expired on XXXX/XXXX/2015 and that their interest charge was valid. If that were true ; why did the statement generated on XXXX/XXXX/2015 still indicate that there was still a promotion and still showed XX/XX/2015 as the expiration date?!?!?! 

Not only is all of this misleading I think this company is trying to take as much money from people as they can. This is the XXXX company that has ever done something like this and I do n't think I am the only person who they are doing this to. I pay off my credit cards every month and I also pay off my 0 % balances. 

As of today XXXX/XXXX/2015 I have closed ALL ACCOUNTS with Chase. Even a recently opened Amazon account. They lost a customer over XXXX interest charges ; that just tells me this company is working under false practices and does not care about their customers. 

I would like for this company to be investigated as much as possible. It is not right what they are doing. On a final note ; I know that cancelling the cards will affect my credit score .... but I am willing to take that hit and separate myself from a corrupt corporation. 

I will be uploading my XXXX and XXXX statements. Keep in mind when reading them that they indicated to me over the phone that the expiration was XXXX/XXXX/2015 ; but, nowhere does it state this on the statements. And in XXXX statement the notes in regards to the promotional balance are gone ; which if the expiration was truly XXXX/XXXX/2015 then it should have been removed from the statement generated XXXX/XXXX/2015 as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We refinanced with Nationstar mortgage XX/XX/XXXX and we have never been late or delinquent in our payment. 
We made two payments XX/XX/XXXX and XXXX of them ( XX/XX/XXXX, which was paid early and intended for XX/XX/XXXX ) was misapplied by Nationstar to the principal by mistake. In addition monthly payments were short XXXX cents for a total of XXXX cents, which was remedied by a payment of {$1.00} and acknowledged by Nationstar. We had been speaking with Nationstar representatives and received a written note from them on XX/XX/XXXX that this matter is resolved. We were assured after each phone call that the account would be rectified and that " we should not worry about it reported as delinquent ''. However, on XXXX XXXX to our astonishment we received XXXX reports from our credit monitoring company XXXX stating that our perfect credit score is ruined because of XXXX has reported that we are delinquent in our payment for 30-60 days. Despite phone calls, written messages and online efforts we have not heard back from the company. 
This matter is particularly important to us since XXXX is a XXXX who works full-time and requires good credit for student loans of which he now is under scrutiny from credit agencies. I trust you will intervene to resolve this matter and make sure that Nationstar cures our credit reports and states to credit reporting agencies that they have reported us by error. 
XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
In XXXX of XXXX, I began working with XXXX XXXX XXXX to receive a loan modification. I was told by XXXX XXXX XXXX not to make my house payment during the modification process. I provided information for them to work with Citifinancial to ensure that I would receive a loan modification. In XXXX of XXXX Citifinacial offered a forbearance and XXXX XXXX XXXX rejected the offer and submitted more information to Citifinacial for a loan modification. In XXXX XXXX XXXX XXXX had me sign a waiver allowing them to have power of attorney so that they could continue to work with Citifincial. XXXX XXXX XXXX told me Citifinacial refused to work with them any further without the waiver. So I sent a power of attorney to XXXX XXXX XXXX. I have tried to contact XXXX XXXX XXXX but was not getting call backs. I never heard anything from Citifinancial stating they had lost contact with XXXX XXXX XXXX and were not going to offer me a loan modification. In XXXX XXXX I received paperwork stating my home was be foreclosed and sold XXXX XXXX, XXXX. This is when I realized XXXX XXXX XXXX had closed its doors and scammed me and my family. I have been in contact with Citifinacial and would like to either have a loan modification or just start making payments. I do not want to lose my home. This has been a very stressful and unsettling time for myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
To : From : XXXX XXXX XXXX number : XXXX Claim number : XXXXProperty address : XXXX XXXX XXXX. XXXX, NC XXXXMy name is XXXX XXXX XXXX and have been a mortgagee of SPS now for over XXXX years. On XXXX XXXX, 2014 I was on a spiritual retreat when at XXXX I received a call from the XXXX Police Department informing me there had been an electrical fire at my home. My first though was my XXXX year old son and making sure he was OK. So since that time my son and I have been in temporary living quarters. I 'll make a long story short. XXXX performed well keeping their agreement as my insurance provider. When I received the XXXX draw of {$57.00} XXXX I thought to myself ; we should be able to get back into the house before XXXX. 
In the first few weeks the performed well finishing the roof, the soffit and the fascia. The inspector came and his estimate was 27 % which I vehemently disagreed. I thought it should have been more like 33-34 %. The next draft was for $ XXXX and quickly was exhausted. This was in XXXX .I went ahead and requested another inspection because a great deal of these funds were already owed to the sub -contractors. I 've had XXXX extensions since the inception of the loan. Instead of moving the XX/XX/XXXX, it will now be more like XXXX. I 've had back to back inspections as the XXXX was completed XXXX weeks after I requested the funds. What I 'm finding out is how lengthy the process can and has been. I 've now been waiting almost XXXX months for check and the frustration, stress and absolute anger ca n't be defined. 
I should not have to beg for these funds Period. The same forms I sent in XXXX months ago are being requested again. The waiver of lien, the contractors ' license number and his tax information. This has been the most traumatic event I 've ever dealt with in my entire XXXX years on this earth. Why did we proceed thus far without the information. What if this was you or your wife dealing with this? I 'm sending this to the world ; no one should have to deal with this XXXX. I do n't wish this XXXX ordeal on anyone. I 'm sure SPS holds these funds as long as possible to earn any type of interest. Will you pay me interest? Please intervene and help me get back home. I 've had a XXXX in the past few years. This has been the most wicked and XXXX experience of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I called you on the XXXX/XXXX/15 to file my case and i have waited for a full month because today is the XXXX/XXXX/15 with a case number of XXXX I have been patiently waiting a response from my complaint yet I am looking on line and there is no reference that I even filed a previous complaintI want to make sure that you help me with this problem I have been fighting with my mortgage company now for so long and they have placed me in foreclosure, not because i have not tried to work with them but i feel they do not want to give me a dying chance to re-modify my loan. they have given me a balloon mortgage that i had no knowledge of and as soon as i was unable to work, XXXX. i the same breath i lost both my husband and mother 3 months later to violence. i was unable to work due to XXXX and XXXX and when i request help from my lender they turned me down. they tricked me into believing that they would place the outstanding amounts i could not pay to the back of my mortgage but as soon as the 6 months period ended they told me to pay all the arrears in full. i ca n't imagine a low incomes person like me how must i pay all that at once and i was n't even working at the time. I found a job later but was not making as much as i was when i was employed as a XXXX. right now i am working XXXX an hour and getting monetary additional help from my children who resides with me and pays me to live with me so i can more than take care of my mortgage at this time. i just need my lender to cooperate with me and help me remodify my loan to stop the foreclosure so that me and my children and grand children do not have to be another statistic of being homeless. please help me to help my family. someone i am crying out to you for ; help i do not want to loose my home i need a remodificaton please can some one speak to my lender they wo n't listen to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: VA

Complaint narrative:
On XX/XX/2015 I went to the doctor ( XXXX ) I paid the co-pay at the time of service. I showed AR resources a copy of my receipt from XXXX. They continue to report that I owe this debt which is effecting my security cleareance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I closed on a home XXXX/XXXX/16 and Nationstar was my assigned mortgage company. I have received nothing but INCOMPETENT mortgage servicing of my loan since then ranging from mis-sending my mortgage payment twice, ignoring customer input on payment coupon twice, paying my homeowners insurance twice and recently misapplication of funds. I 'm tired of babysitting my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
My current bank BB and T. Is changing the order of processing transactions and automatically applying overdraft fees to accounts for pending purchases and not processed ones and will not refund the fees if the pending purchases do not go through or are cancelled. They have also placed holds on cash deposits that I have made through the atm without an envelope, and which should have posted directly to the account. I paid a bill at the bank with a check on XX/XX/XXXX and had over {$1000.00} in my account and was still given a fee for the check because a purchase was made with debit card the next day after business hours that they took out first and not the processed check. I do not like how they are reordering transactions for so that they are able to assess fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: WI

Complaint narrative:
I have attempted numerous times to get straight answers from Nationstar and the lawyer they hired to foreclose on me in WI. After a lot of research and after finally getting documents from Nationstar I was able to prove that it was Nationstar that filed a fraudulent assignment with the Register of Deeds and with the Court. Nationstar likes to say they just get their documents from the MERC system, but if you look at the proof I am providing you will see it was a Nationstar notary who signed the assignment and the assignment took place in XX/XX/XXXX when they were servicing the loan. An assignment to XXXX Bank as trustee could not have occurred in XX/XX/XXXX because this particular trust closed in XX/XX/XXXX. Also Nationstar owns agencies that have been sendng representatives to my home to " break-in '' even when they do not have any legal right to be on my property. They claim that they determined my property was abandoned based on fraudulent information. Nationstar said they were taking my complaint seriously, but they never followed up and recently sent yet another person to my home, who came to my home at XXXX and he attempted to break-in until my dogs started barking. I am attaching all of my proof and I am contemplating filing a federal lawsuit against them. Any assistance you can provide is greatly appreciated. Please see attachments for further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I filed a dispute requesting verification of a debt that is being reported by Portfolio Recovery Associates ( PRA ) for account XXXX XXXX. Since I never received notice of my right to dispute this collection I did n't find out about the collection until I was denied credit. I then immediately made a request for debt validation from PRA which was summarily ignored. 45 days after my initial request I, again, requested debt validation from PRA. And just as before, my request went unanswered. Soon thereafter, I began being indundated with calls from them all day, every day. So, although they could n't find the time to reply to my numerous requests they found the time to begin harassing me. In an attempt to mitigate any further harassment, and hopefully get them ( PRA ) to validate the debt they are reporting to the CRA 's as required by law, I filed a dispute with XXXX on XXXX/XXXX/2015 requesting validation of the debt as well as verification/validation of dates reported and amounts owed. I also took care to note PRA 's failure to provide any proof that the debt is valid and being reported correctly. On XXXX/XXXX/2015 I received the results of the " investigation '' performed by XXXX with a determination that they were able to verify the debt. 

Under FCRA sec 623., I am requesting disclosure of the " original creditors documentation '', on file, that they must maintain to to validate all data being reported be made to me XXXX 30 days after receipt of this notice. If they are unable/refuse to provide documentation I am requesting that the the reported data be removed from all credit reports.

Company response to consumer: Closed with explanation