vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I own a condo in XXXX and fell behind in my condo fees because of a dispute. The condo assn filed a document threatening to sell the property at auction XXXX XXXX, 2016. I am XXXX % current on my mtg payment. This dispute is about condo fees and the bank 's collateral. I understand that the property is collateral for the loan. I wanted them to be aware of the threat to their collateral. 
As soon as I rec 'd the doc, I forwarded it to Nationstar Bank. I called them several times and sent emails and they told me repeatedly, someone from the legal dept would return my call. This went on for weeks. I hired an atty who was able to get them moving. When I did hear from their atty, XXXX XXXX, he requested, on the day of the auction, an extension. He stated that his office needed more time. Obviously, this was not acceptable to the board. I borrowed some money and I wired the funds when I did not hear from Nationstar atty. Unfortunately, the board atty, XXXX XXXX, said it was too late. I have no way of verifying what time the money was received by the other side. Now, my bank will not talk to me without an atty!! How do I get any service without paying an atty?. This can not be happening in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: DE

Complaint narrative:
On XX/XX/XXXX I went to pay my mortgage as usual as I have done since XX/XX/XXXX when the payments were made to XXXX. I now pay it on line at the Nationstar Mortgage site. I selected the Nationstar shortcut from my list of shortcuts but it took me to a page stating the " page could not be found. '' I then went directly to their site after searching for it on google. I opened up the site and signed in. I was then greeted with a demand to " verify '' my account. The way to do this is to enter your zip code, and then your social security number. 

I have issue with this in the times when XXXX, and many other websites have been hacked and the information breached. I have always paid on time and in the manner I have become accustomed to, on line. I have an account number which is the only number that should be necessary to make a payment. My SS # is private and can cause extreme damage to my credit and personal well being in the wrong hands. I do not believe it should be associated with my mortgage account, and certainly should not be requested to be submitted on line. 

I have presented my SS # to a possible creditor for a one time background and credit check as should be expected. But I do not want my mortgage account to be identified by the SS #. That is why I have an account number, is n't it? 

There is no way to make a payment or to get to customer service without first entering the zip code and then the SS #. This has the potential to cost me money in late fees and may have purposely been set up to do so. Messages left have produced no return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In XXXX of 2014 I was provided a trial payment of 3 months in which I did pay the 3 months. At the end of the XXXX month I was never provided with the final modification to fulfill the terms. I then resubmitted for another loan modification as I was told by an SPS representative that I do qualify for the HAMP program and provided all required documents on time and was then denied. I still have never received a clear answer as to why my trial modification was never finalized and am now facing another upcoming foreclosure sale due to this matter. I also am not receiving any responses to my written or oral requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Quicken Loans, particularly has been unresponsive since XXXX/XXXX/2015. I have been trying to call XXXX XXXX who is the representative assigned to me but every time I call him, it just goes straight to voicemail. He tries to call me back but it is always at a time that I am either working or unavailable. I believe Quicken Loans has failed to provide due diligence on my mortgage loan application to move forward with a property I am trying to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI

Complaint narrative:
I have been trying to get my loan modified with Select Portfolio Servicing. It has been going on for over 3 years. I have XXXX feet thick of repetitive documents being submitted and it is never right and ever enough to them. They are auctioning my home off on Friday and I am scared. I am XXXX and this is my retirement home and my investment. They have broken into my home, they have taken locks off and walked off and left the property unsecured for vermin and vandals. When I approach them they do n't respond except with a double speak response and never resolve or correct. Please help me here so I am will not lose my home on XX/XX/XXXX. they call and I pick up and no one is there. I understand they are preditors. Help me please. they send info to tenants and scare them away so they do n't pay rent. I have put {$100000.00} into the house so far. My phone is XXXX the auction is on XX/XX/XXXX. HELP!! I have also lost substantial reveinue for threats and personal information sent to tenants. 12 months of lost revenue so far at XXXX a month. This would well pay for the adjusted mortgage that I am entitled to. Again, Help. Please e-mail if phone access is not available. Thank you. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I became XXXX unable to work. After sick and family leave ran out, I still could not return to work and was terminated. I could see that there were going to be problems keeping my mortgage payments up to date, so I called my mortgage to attempt a loan modification at a lower interest rate, which would allow me to continue to afford the payments. A modification was refused by PNC bank. I then made contact with HUD about my problem to find out programs I might be eligible for. HUD made contact with PNC regarding a modification, but PNC refused again. HUD then referred me to a state program called the Florida 's Hardest Hit Fund XXXX FHHF XXXX, a program funded by the mortgage company and bank penalties from the banking crisis. paid to the state of Florida. The program is designed to aid homeowners who have fallen behind in mortgage payments, as a result of a loss of income, in order prevent foreclosure. Additionally, the FHHF would also negotiate with participating mortgage companies for a loan modification. I applied to them and was deemed eligible XX/XX/XXXX. To be eligible for the Florida 's Hardest Hit Program, my bank ( PNC XXXX had to agree to cooperate, receive monies from, and accept the process of the FHHF program. I was told by FHHF that my bank had agreed to participate in this program, as had every major bank in Florida. Although I was deemed eligible for the FHHF and any foreclosure attempts were supposed to be stopped in XX/XX/XXXX, PNC started foreclosure proceedings in XX/XX/XXXX. My advocate at FHHF was surprised by the foreclosure proceedings, but reassured me that there would not be a problem and that PNC knew I was in process with the FHHF program and that there might be a clerical error at PNC. FHHF kept asking me for more paperwork XXXX 's for the same paperwork and documents again and again, which I would provide. I was told by my advocate that that the Florida XXXX was in some way stalling the process. Finally in XX/XX/XXXX, FHHF released funds to PNC of {$18000.00} and since has been paying my monthly mortgage payments. The XXXX has been paying my mortgage since that time, which with the {$18000.00} is a total of {$42000.00}. I have paperwork from FFHF showing that PNC has received these funds, yet does not acknowledge receipt of these monies to me or credit these monies toward the balance owed on my account. Additionally, PNC still is not working with me on a loan modification. I was told that any foreclosure proceedings by PNC should have been stopped once they received money from FHHF. I am getting the run around from PNC. PNC refused to talk with my FHHF advocate or myself saying that the case was in litigation. I have had to hire XXXX attorneys, to fight to save my home from foreclosure. I now have no attorney, but am still being threatened with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/2016 our prior mortgage company sold our mortgage to PNC Mortgage. with our first payment to the new company to begin on XXXX XXXX. PNC did not have us set up in their system so we were able to pay over the phone without any extra charge. For the XX/XX/XXXX Payment I paid on line and was charged a extra fee of {$7.00} even though in this day and age everyone pretty much pays their bills on line I do n't think we should be charged for a service in which they get they funds quicker ... that is the first issue. Here 's where the big issue starts ... for the XX/XX/XXXX payment I sent in a check with the coupon from the book they sent us. I made my check for the amt. they had on the XX/XX/XXXX coupon only to be told that we did not submit the correct amount that we still owed {$81.00} more even though that 's not the amt. on the coupon. They called and said they were holding our funds but cashed our check. After speaking with a supervisor who did a escrow analysis on our account we were told that we only owed {$24.00} and received a confirmation number that we paid the extra funds. We were told that a new coupons with the additional {$24.00} each month would be sent with the corrected amt. We now received a letter saying that we owe an additional amount of {$56.00}. Just prior to the sell of our Mortgage we made a payment of {$500.00} to our escrow to make sure it would not be short and to keep our payments the same or less. Also the PMI came off during this time, plus we lowered our homeowners ins. We have never been late or short during the 13 yrs. that we have had our mortgage, if anything we overpay when we can to help pay it off sooner. PNC keeps changing the amount which is causing us to look late when in fact we are not. We feel PNC is purposely causing this issue by not having their books straight. We have never experienced this with any of the other companies that have purchased our account in the past. We feel that they are tacking on additional funds that are not suppose to be there. Please help us resolve this issue. We have no idea as to what we are to pay in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I wish to file a complaint against PNC bank in particular, but this probably applies to other banks and I am sure many others would have the same complaint. This concerns the way they process the debits and credits to the account and the leveling of very high overdraft fees of {$35.00} per check or debit. 

On XXXX XXXX I had just come back from a trip and had forgotten to make a deposit to my account prior to leaving. I checked my bank balance online and saw that there was {$910.00} in the account. Before the bank closed I made a deposit of {$2300.00} to the account. Later in the evening I went online to download my account to XXXX. The deposit amount was shown as received by teller and a check that I had written for {$1100.00} had not cleared, nor was it shown as pending. The next day I received an overdraft charge of {$35.00} and they claimed that the check for {$1100.00} had cleared on XXXX XXXX. Their online banking had never shown that check. When I told them that I had made that deposit on XXXX XXXX their answer was that I only get {$100.00} of that to apply until the next day. I have argued with them about that but they refuse to remove the {$35.00}. 

On a different account the next day a similar situation happened. I had forgotten to deduct a check I had written. There was a check I mailed to a vendor on Sat. XXXX XXXX. On Mon. XXXX XXXX that check money was debited from my account. I was overdrawn by {$56.00} and they charged my account {$36.00} for the overdraft. I run a business and on XXXX XXXX I had XXXX deposits of {$130.00} that are processed by that bank and go into that account. On Monday XXXX XXXX that XXXX deposit appeared as pending, and they did not count that money as covering the overdraft. 

Here is my concern in a nutshell. The banks can immediately debit my account for checks that I write and mail to a vendor, but checks that are accepted by me and deposited in my account are held for XXXX day and do not apply to my account. That applies to cash deposits as well. If my deposit and a check come in on the same day they count the XXXX but not the other. I understand this would happen if XXXX uses an electronic transfer and set a date for the debit to be made or use a debit card, but checks that are written by someone and ones received and deposited by that person should be handled the same way. Either these checks that are scanned should show as pending on an account the same as any other check, or deposits should be treated as immediately available if overdraw situations occur. The way they are doing it now allows banks to take your money and use it for a day with deposits, but they can immediately cash your checks and remove the money from the account without it going through a pending process. It should be XXXX way or the other to be fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
They say I had a loan and it was deposited into a PNC bank account. I never had a PNC account. Told them this several times but get calls XXXX per day. I am now dealing with bank to verify my non account status. getting calls from XXXXXXXXAll about the same so called loan. I also did not apply for an on-line loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
PNC Bank mistakenly withdrew over XXXX from my account on a check that was not mine, nor did it have my account number on the check. I am closing on a house and moving today. I called the bank several times this morning and was told the money can not go back into my account for 24 hours. Well this is unacceptable. I needed the money put back into my account swap and explained what was going on. They said sorry, that 's their policy. When I ask to speak to someone else, I was told there is nobody else for me to speak to regarding this issue ( this was customer service telling me ). So now I am scrambling trying to get money together for closing this afternoon and not sure if I will be able to get that much together. They have left me with XXXX money for something they did wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
After receiving in XXXX XXXX a promotional 0 % interest rate offer from PNC BANK, I read the offer and was confused on what the 0 % offer applied to. After review I concluded it applied to balance transfers and new purchases. On XXXX XXXX I called the PNC Bank phone # on the offer advertisement to confirm. A Customer Service Representative stated that the 0 % APR interest rate promotional offer as advertised was for both balance transfer and new purchases till XXXX XXXX, XXXX. 
That day, I did indeed transferred a credit card balance from another bank to PNC BANK VISA. I was charged a fee of 1 % for the balance transfer and began using my PNC Bank Visa card for new purchases.The interest charge on my next XXXX credit card statements eluded my review. The most recent statement I discovered an interest charge of 14.24 %. 
When I called PNC Bank for an explanation they requested I fax them a copy of the promotional advertisement. I did immediately, and by the end of the day a customer service representative ( name XXXX ) called me and stated " The Bank Stands Behind Their Advertisement '', and only the balance transfer is 0 % interest. 
I stated, " I will have to take the matter to another level ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
this loan was discharged in a bankruptcy in 2010 and PNC will not take the lean off of our house. I am a widow, XXXX years old and have to handicap XXXX.. I am on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am contacting you to file a complaint concerning a new car loan I applied for recently. I am XXXX years old and I have been a customer of PNC bank for more than XXXX years. I have over {$25000.00}. in CD 's with PNC. When I applied for a new car loan for {$10000.00}. I was denied the loan because I do not have any credit history. I never had a credit card and always paid cash except for XXXX time XXXX years ago I applied for a new car loan with the same PNC bank in XXXX and they approved it no problem but this time I was denied. I have more than enough money on deposit with their bank as collateral for the loan but they still denied it. They said it is PNC 's policy not to give loans out to anyone who does not have a credit history. I went to another bank and applied for a loan and they said as long as I deposited the {$25000.00} CD with there bank they would write me a check for {$10000.00} on the spot regardless if I had any credit history. I feel PNC 's policy of arbitrarily denying a loan to anyone who does not have a credit history is discriminatory and possibly illegal. I had more than enough money on deposit to cover the cost of the loan if I defaulted on a payment. There is NO WAY PNC could loose money on the deal. I also feel my AGE may have had something to do with it. I believe this because my son ( XXXX ) applied for a loan with PNC a few days later and told them he had a {$25000.00} CD on deposit and wanted to borrow {$10000.00} for a new car. He told them he had NO CREDIT history. They told him that he could get the loan no problem. Please look into this matter and contact me if you need any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I own a house in XXXX area of XXXX in XXXX. I have XXXX Loans on the same.The XXXX used to be with XXXX ( I believe the Investor is XXXX XXXX ) and the XXXX with National City, which is taken over by PNC Bank. ( PNC ) I started my marathon Modification effort with XXXX as soon as HAMP was introduced, in XXXX 2009. I made XXXX Trial Period Payments after which XXXX rejected my HAMP Modification. 
Luckily for me XXXX sold the Mortgage to XXXX ( XXXX XXXX ). They were kind enough to give me the Trial Period Payment again, which I successfully completed. XXXX XXXX wanted to get the XXXX XXXX from PNC Bank. PNC demanded {$250.00} for this, which I readily agreed and sent the Check for {$250.00} through XXXX XXXX. 
However I am surprised to learn that PNC refused to give the Subordination Agreement to XXXX XXXX, as mandated by HAMP, although I understand that PNC has signed up with XXXX, an XXXX to participate in HAMP. 
The reason for their rejection is a lame excuse - The Account was Past Due on XXXX or more occasions in the past ... ... ... ''. 
When my XXXX Party called, PNC Rep. was very rude and said they will not do a subordination as the Account is delinquent and the account has to be brought current, to give a Subordination Agreement to the XXXX. It looks like a kind of a black mail, they are doing, flagrantly flouting the HAMP guidelines. The very purpose of HAMP is to help home owners like me facing hardships and giving us a chance to get back on track. They ( HAMP ) did not say that the Subordination Agreement is to be given only to such customers who are not delinquent, whoch would defeat the very purpose of HAMP. 
In the process, my Permanent Modification, which I would have got after a herculean struggle of 6 1/2 Years, is cancelled by the XXXX ( XXXX XXXX ) as PNC refused to co-operate, in total contravention of HAMP guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I have a mortgage currently with XXXX, they held the mortgage for one year and I received notice in the mail yesterday my mortgage is being transferred XX/XX/XXXX to PNC Mortgage. I read that I need a 15 day minimum notice before transfer. The letter was dated XX/XX/XXXX, and I received the letter only yesterday in the mail, XX/XX/XXXX. This leaves only a 5-6 business day notification ( or max 10 business day from date of letter ) of my loan transfer. I am also trying to settle my escrow account with XXXX for XX/XX/XXXX year. I do n't think I have been given sufficient notice, and, also, the letter did n't enclose a payment voucher for new payments to be sent to PNC Mortgage, which means I would have to send my payment to XXXX until I receive my new mortgage statement. I know legally I have a 60 day window for payments between transfer, but I still think the transfer notice is very, very late.

Company response to consumer: Closed