vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Stearns Ventures, LLC
State: PA

Complaint narrative:
on XXXX/XXXX/2015 we ordered a payoff statement from Stearns Lending. On XXXX, having still not received a response to our request, we contacted Stearns and were told to email the request and we would have the payoff XXXX. When we did not have it by XXXX, we called back and were told we would have it by XXXX. When we still had not received it by Monday XXXX, we called back and spoke with a supervisor who asked that we conference our client in for verbal authorization. Upon doing so, we were told once again that we would have the payoff in an hour. Tuesday XXXX, still no payoff received. Called Stearns again at XXXX. They asked that we conference the client in for a verbal authorization. When I pointed out that I was simply following up on the call from the previous day when verbal authorization was provided, we were told that the request was being expedited. At XXXX we called again and were told that our authorization was expired and no payoff would be sent. We were connected with the same supervisor from the previous day, however, in this conversation he stated that a verbal authorization would not be accepted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PNC Bank N.A.
State: UT

Complaint narrative:
PNC bank has been contacted to cease all telephonic communication but has not only continued calling but has started calling others in my family to try and collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Received a letter on XXXX XXXX, 2016 from PNC Mortgage date XXXX XXXX, 2016 accusing me of not having insurance for my property and threatening to buy it for me. " Because unit owners insurance is required on your property, we plan to buy insurance for your property. '' First, they never asked me to provide proof of coverage. Second, they have their own insurance company which I believe is a conflict of interest. This company is not consumer friendly and should not be allowed to provide mortgage services.

Company response to consumer: Closed
Consumer complaint received 2015-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
In XXXX of 2015 a check that I had written for {$10.00}. for a co-pay for a medical visit was confiscated from either my mailbox or the billing department of the medical offices without my knowledge. The check payee was changed and amount was altered to {$4000.00}. The obvious forgery was presented to PNC for payment electronically and it was successfully negotiated with the {$4000.00}. being taken out of my PNC account. Apparently, the same check was altered a second time, presented electronically to PNC bank, but the forgery was noticed by the credit union to which the forger presented it and the negotiation was ultimately unsuccessful. In early XXXX of 2015, PNC notified me of the fraudulent activity which I had not noticed. PNC has refused to issue a refund for the {$4000.00}. that was removed from my account. Furthermore, despite the check being an obvious forgery, I was told by a representative from PNC that they are not able to scrutinize electronic transactions due to large volume. 
A bank 's primary responsibility is to safeguard the money entrusted to them in the form of bank accounts. Electronic transactions such as this should not be permitted if an obviously forged check can so easily be negotiated twice. It is the fiduciary responsibility of the bank to protect consumers from such blatant fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc.
State: AZ

Complaint narrative:
Please be aware that my name is XXXX. On XX/XX/XXXX, I received a letter in the mail titled by the company name Alliance One, Receivable Management XXXX. which is a debt collector agency. I called them up and come to find out they were trying to collect on a Debt that was transferred from XXXX even though I was already addressed that the debt was time-barred and had reached it statute of limitations dead line as of XX/XX/XXXX this debt happen to be the debt that was allegedly owed to XXXX Court of XXXX. Please note it is illegal for anyone to try and collect on this debt since it is time barred. The customer service representative of Alliance One told me that it was a "Fresh Debt" which is not true. I believe XXXX is in violation and may have purposefully tried to reset the time on this debt which is also ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: TX

Complaint narrative:
My loan servicing company XXXX XXXX ( Stearns Lending ) is constantly increasing my monthly mortgage payments every few months. The reason for the increase is due to underpayment of escrow. I just do n't understand how my escrow account is short every few months and without explanation I am required to pay this amount. Soon thereafter, the payment decreases for a few months, then it increase again. This is ridiculous. Most people leave on a monthly budget and this makes it unfair to continue to fluctuate payments so frequently.

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 2015-05-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I paid a payment using a check to the bank that services the credit card account that I have. The amount processed, XXXX to the credit card account and to my checking account was the same amount, but was different than what I thought I had written on the check. Despite letters by postal mail and numerous phone calls with the credit card servicing bank, I was not able to get copy of the check. My own bank, from which the check was cashed, does not have the copy, as it was processed as electronic debit. I would like to see a copy of the check, but credit card servicing bank absolutely will not provide that. I paid interest charge due to different in amount that was paid. Thank you. Credit card servicing bank was PNC Bank. The last phone call to customer service had rep state that PNC could not provide check image, even though previous customer service rep stated that they could and it would be mailed within XXXX month of my call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Select Portfolio Services is currently servicing my loan with XXXX XXXX being the original mortgage lender. My mortgage loan was modified with the HAMP Program in XXXX of XXXX. I was on a plan to have gradual increases in mortgage payments over a period of 8 years to then have payments stay the same from years XXXX. I filed bankruptcy, Chapter XXXX in XXXX and now my bankruptcy has been discharged. Now that it has been discharged and the mortgage payments are currrent with no arrearages, Select Portfolio has sent me a letter stating that the " Mortgage has been referred for Legal Action ''! 

I am current with my payments and on many occasions the services has claimed that payments were not being made, or either the escrow was short even when I was in bankruptcy! I have paid on all occasions and have paid shortages when they have not been shortages. In addition, based on the modification schedule through the HAMP Program, Select Portfolio has increased the mortgage amount more than the scheduled amount that is due at the time of increase. I have had no luck in getting any remedy or help from Select Portfolio other than them continuing to misallocate my funds and threaten foreclosure when I am current and have been current and I have banks statements to show such. 

I need immediate help and it appears that Select Portfolio goal is to foreclose unlawfully when they are fraudulent in all of their actions to abide by the HAMP PROGRAM. 

Also this modification, states also that I am to give them a balloon payment of {$270000.00}. after year 27 when my new loan amount when the modification was done was XXXX. This doesnt even amortized correctly based on their numbers.l

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Mortgage transferred to Nationstar from XXXX. I pay online at the end of grace period, XXXX of the month, NEVER have been charged a fee. Fee is waived in first 10 days of the month only. I can not afford to pay sooner than the XXXX, and can not afford a XXXX fee. Is n't the new company supposed to honor the same terms as the old?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Received a letter from Nationstar Mortgage stating that our homeowners hazard insurance had expired. Contacted insurance company who confirmed that coverage was continuing. Sent email to Nationstar with copy of declarations page asking them if property was sill covered. No response to date after XXXX emails. Can not express how distressing this has become.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I faxed a debt validation letter to AR Resources on XXXX XXXX, 2016, asking to confirm XXXX has n't been violated. As of today 's date, I have yet to receive any information from AR Resources nor is this account denoted on my credit report as " CONSUMER DISPUTES ACCOUNT '', and both accounts are still listed on all XXXX credit reports. AR Resources has now violated both the FDCPA and FCRA. I contacted them today, XXXX XXXX, 2016 to see I could speak with the have these accounts removed from my credit as I have n't heard from them and their multiple violations in which I encountered XXXX of the representatives and I explained the reason for my call. She went off on me and hung up the phone. All before I was able to get her name. I called back over 12 times where the phone was deliberately hung up each time I guess they could recognize that it was my phone number. I believe this is in such bad practice as well as unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: NY

Complaint narrative:
My first home mortgage from BB & T bank was a short sale transaction. The bank accepted less then the mortgage. I signed the XXXX form in XXXX of 2014 selling the home to another individual. BB & T bank then reported the loan delinquent 180+ days for the next 20 months. I have tried to dispute this information XXXX in which I have included the lawyer signed documents showing the home was sold in XXXX of 2014. XXXX has not taken proper actions to fix my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: NH

Complaint narrative:
We applied for a loan in XX/XX/XXXX with NationStar. They agreed to a 3.99 % mortgage and we got an appraisal that came in without issue. They have been dragging this out and not returning our calls or emails. They just sent us new terms for the loan. 

We are unsure of what they are doing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I was on a trial payment for my mortgage with Select Portfolio Servicing ( SPS ) with a payment that consumed over 70 % of my income. I made the payments under durress and borrowed funds. Although it was known I was unable to make the trial payments, I did and then received an offer of an even higher payment for a balloon loan. REALLY? 
If the mortgage holder, SPS, was aware that the payments were unreasonable for me, why would there be an increase and an offer for a balloon payment? I complained that the payments were too high, based on my income, but there was nothing done to establish a payment that was reasonable and affordable. I have lived there for over 20 years, although I now owe more than I did originally and no one can explain why this is. I love the location and have done all I can to hold on to this property. Therefore, I have since moved out and am currently looking for a tenant who can pay the mortgage that I am unable to pay. I will not accept a balloon payment or a higher payment. This is utterly ridiculous. 
ALSO, I just checked my credit score and the biggest blemish I have is from SPS for late payments. I was unemployed, received assistance from Illinois XXXX XXXX, unemployed again and then began working part-time. I made all efforts to pay, even borrowing money I have since been unable to pay back. Now my credit is ruined and I will never be able to buy another piece of property. 

SPS does nothing to work with those in need, ruins credit, offers payment plans that are disadvantageous to consumers and establishes situations that only force owners into forclosure. Consumer BEWARE. I sincerely hope you will look into their lending practices and how they pray on those with hardships.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Reporting Inaccurate information on XXXX Credit Report. 
Regional Acceptance account is reporting inaccurate information on my XXXX credit report. They have on my XXXX report that the Open date was on XX/XX/XXXX. But on the payment history there are no payments reported from XX/XX/XXXX to XX/XX/XXXX. I have disputed this with XXXX and every time they say this information is accurate. How can i have a car loan with Regional since XX/XX/XXXX but the car payments i made to them are blank from XX/XX/XXXX to XX/XX/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
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: ND

Complaint narrative:
I forwarded insurance proceeds from a barn fire ( total loss ) to Select Portfolio Servicing , Inc. because the check was made out to us and them. They were supposed to distribute the funds back to me in XXXX installments : 1 ) immediately for materials purchase ; 2 ) when inspection verifies project is half done ; and 3 ) when the project is complete. After XXXX months, I still do n't have a XXXX of my money. XXXX keeps coming up with forms I need to complete or processes they need to finish. The contractor will finish next week and I wo n't have even the XXXX installment to pay him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
This is my fourth complaint. I have spoken with XXXX who talked with XXXX to get a loan modification back in XXXX. My loan was modified XXXX XXXX. This modification include the amount in arrearage plus foreclosure fee, Lawyer fees. When I field chapter XXXX in XXXX XXXX I was behind XXXX, XXXX, XXXX which is the month I field the chapter XXXX. It was stated that I owe XXXX. I only owe XXXX which was XXXX, XXXX and the current month XXXX at the time. The proof of claim was incorrect and I told my lawyer that it was.The Fees, cost was include in the loan modification XXXX XXXX, XXXX per XXXX. Me and my Lawyer have been going back and forward with SPS for some time now. When a modification is done it include Fees, cost and pre-petition payments. Even there lawyer have stated that I only own them the XXXX payment plus whatever I got behind on in the chapter XXXX. We filed a Final Cure Notice indicating the proof of claim was in correct. Because my case was converted to a chapter XXXX on XXXX XXXX, XXXX the motion was withdrawn. Since then we have been try to get this corrected. SPS is not giving the information to there lawyer. When the case was converted to the Chapter XXXX we still have not gotten the Reaffirmation from SPS. So the case Dischage date have been moved to 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 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
In the process of applying for a refinance of a current mortgage of my home, underwriters at Greenlight Loans determined I had XXXX outstanding liens against my home, XXXX of which was invalid and required release from the prior lien holder, XXXX XXXX XXXX. After nearly a year, Greenlight made little-to-no progress in getting the invalid lien released. So, I took matters in my own hands and contacted XXXX about the invalid lien and they said all they needed was the title search information from Greenlight and they could then expedite lien release, enabling me to refi my loan and move forward. I advised Greenlight all they needed to do was fax the title information to XXXX to move the process forward and the underwriter agent at Greenlight, XXXX XXXX XXXX whom had been " working '' my case for almost a year, said she would fax it over immediately. It has now been several weeks and Greenlight has yet to fax the title search information to XXXX, further extending my refinancing problem. I 've tried calling XXXX and multiple levels of her management, but not getting any reply. It is now obvious to me that Greenlight is only interested in processing " low hanging fruit '' loans and provides intentionally bad service to everyone else, effectively discriminating. I need CFPB intervention to help move this process forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
nterestingly enough, Experian is incorrectly reporting XXXX of my student loans with having late payments in their history. Experian has reported that I was 60 days late in XXXX, 90 days late in XXXX, 120 days late in XXXX XXXX and 120 late XXXX XXXX. This is simply not possible since these loans were in forbearance at the time Experian claims that they were late. Repayment was not due to begin until XXXX ; since no payment was due until after Experian claims I was late, the Experian report must be corrected by removing these late notations for student loan with date opened XXXX/XXXX/XXXX and disbursed by the Department of Education on XXXX XXXX, XXXX. Attached is the Experian page report showing I disputed this and Experian claims they verified it and did not change it. Also attached is the document from XXXX showing all my loans were due XXXX so there is no way this can be late. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed bankruptcy on XXXX XXXX, and my mortgage loan with XXXX XXXX XXXX/XXXX XXXX XXXX was reaffirmed. 
Since XXXX XXXX, I was unable to pay for my mortgage due to financial difficulties. XXXX XXXX XXXX reinstated the mortgage loan since XXXX XXXX. 
I have been paying on time my monthly mortgage of {$3400.00} since XXXX XXXX. My current balance is {$460000.00} with an adjustable mortgage loan. 
I have been contacting XXXX XXXX XXXX to report my mortgage loan to all the credit bureau and they are refusing even though I provided them a copy of my bankruptcy report. My lawyer also contacted XXXX XXXX XXXX to explain to them that my mortgage loan is a valid debt and was reaffirmed. 
It is now impossible to refinance with XXXX XXXX XXXX or any lender for that matter. 
I am please asking you to help me resolve this issue with XXXX XXXX XXXX. 
Thank you for your cooperation and understanding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX refuse to take a bad credit line off while XXXX XXXX did. The trade line is XXXX Bank. This is over 7 years old and needs to come off. My disputes with them have not resulted in any action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I never file a BK and It was removed from XXXX but is reporting to Experian and XXXX 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