vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC
State: NJ

Complaint narrative:
I took out a {$300.00} loan with Green Trust Cash, not realizing the heavy load it would burden me, but also coming to realize these loan are illegal in the state I work ( XXXX ) and the state I reside ( XXXX ). I have to this date paid back a total of {$860.00}. The total interest on the loan is 669.75 %. I have written to the company revoking them from taking ACH debits from my account. They acknowledged they would stop taking the debits, but want me to pay off the balance. I am unable to keep drowning in this illegal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
First I must say that there isnt a correct selection for a credit collector who is reporting a debt far outside the Statute of Limitations. NationStar has been reporting my Mortgage as late when they should not be reporting the account at all as it is well beyond the 7 1/2 year Statute of Limitations allowed by the FCRA. Section 605 ( c ) ( 1 ) which states the reporting period begins 180 days after the event that caused the account to become delinquent. Then the Statute of Limitations runs 7 years. This date does not change unless payment has been made by consumer which resets the clock. In a letter dated XX/XX/XXXX NationStar states without question, and I agree, that the Date of First Delinquency was XX/XX/XXXX. I have disputed this on 3 occasions with XXXX, XXXX and XXXX in the past 2 years and included copies of the NationStar letter showing the XX/XX/XXXX date. Each time Nationstar violated the FCDPA and FCRA by voluntarily and with malice reporting an invalid debt. In many discussions the folks in collections say they can not make changes to my Credit Reporting Agency files and only they can do that, and NationStar just keeps reporting a debt whose last payment was made 9 years ago!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I purchased an item from XXXX XXXX XXXX. It was shipped by a third party shipper that was recommended by XXXX 's. When I received the item I tried to return it because it was damaged and not as described by XXXX 's. However, there was no damage to the packaging. The damage occurred at either XXXX 's or the shippers prior to shipping. At this point XXXX 's was unwilling to take the item back and tried to pass the blame to the shipper ( see " MyResponseToPNC.pdf '' ). I then contacted my credit card ( PNC ) companies dispute department and started a chargeback process on both the shipper and XXXX 's. After the chargeback process was started XXXX 's was then willing to accept the item back ( see " MyResponseToPNC.pdf '' ). However, at this time my credit card company ( PNC ) did not want me to ship the item back to XXXX 's even though they were willing to take the item back. The shipper after receiving the chargeback emailed me and stated there was no further payment due and the chargeback was accepted XXXX see " MyResponseToPNC.pdf '' ).. I then received a letter from the PNC credit card dispute department requesting immediate response to the response that XXXX 's ( see " MerchantResponse.pdf '' ) supplied to the chargeback. I furnished that information to the PNC dispute department outlining the multiple conflicts of fact and it is attached as " MyResponseToPNC.pdf ''. I did not receive any communication from the PNC dispute department regarding the chargeback to XXXX 's from the time that I submitted the " MyResponseToPNC.pdf '' on XX/XX/2016 until the rebill showed up on my credit card on XX/XX/2016. The occurrences that have transpired since XX/XX/2016 are outlined in the document " OccurrencesOfRebill.pdf ''. This clearly shows that PNC is at fault regarding this business transaction and have charged me for their error/s.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing Inc. is my servicer. XXXX XXXX is the note holder. In XX/XX/XXXX we applied and submitted for a Loan Modification on our XXXX, Owner Occupied Home. We were granted a modification in XX/XX/XXXX. We signed and returned the modification agreement, as did our servicer. In XXXX, the servicer unilaterally attempted to change the terms of the modification. Our payment would rise and our Balloon Payment was going to rise from {$200000.00} to over {$800000.00}. We have refused to accept the change as it is NOT beneficial. Recently, Select Portfolio Servicing refused to take our payments and attempted to foreclose on the property. We have reached out to them on a constant and consistent basis. We requested a review on XX/XX/XXXX and were given a 45 day window for a resolution. It has been over 50 days and they have NOT responded in any way. They continue to add late fees even though we have been current since the modification. 
The Servicer has verbally responded that they will NOT honor the signed modification from XX/XX/XXXX, given that we did NOT accept their revised modification offer. They have NOT furnished their response in writing nor in a timely manner. We informed them that we will be filing a complaint against them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Atlantic Recovery Solutions LLC
State: FL

Complaint narrative:
I co-signed a credit card for my daughter who defaulted and never attempted to make payments. The debt has been transferred from collector to collector for the last 6 years. The last communication from the last known collector that I am aware of was 7 months ago by XXXX XXXX XXXX. Today I get a message from my son that my ex husband received a phone call from ARS Collections by someone claiming to be a lawyer XXXX XXXX XXXX in NY that demanded my phone number. I have been divorced since 2009 and have no communication with my ex. I have not received any communication from this ARS company. Nothing in writing, but they contacted my ex. The last collector company had my address & phone number. This ARS company obviously uses questionable tactics. My phone is on the " do not call '' list.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
My mortgage was purchased last year by SPS ( Select Portfolio Servicing ) from XXXX XXXX. Prior, I used to pay approximately {$250.00} per month in excess of my contractual obligation, and per the terms of a loan with no prepayment penalty, any payments in excess of the contractual amount are posted to the principle amount. In the future, I intend to make considerably more " over '' payments. On my most recent statement, SPS notified me that unless a full contractual payment is made, any overage would remain in " in-posted '' status until it builds to a full contractual amount. As my contractual amount is approximately {$5000.00}, this indicates that I could pay {$500.00} over, but nothing would post to my account for nearly a year. This is a violation of the loan agreement and creates an over charge for interest. Based on my conversation with SPS, I believe this is a systemic issue for any payment overages that come as payments outside of a single monthly payment ( i.e. if I pay {$500.00} mid month every month, they would only hold it in escrow, if I pay {$500.00} over on an end of month payment, it would post to principle ). I believe any party paying unique separate payments on top of contractual are victims of this misallocation and over charge of interest. I was told because this was a " conforming '' loan, the payment allocation was at their discretion. Not sure how conforming status impacts the legal payment hierarchy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I was denied a modification based on Negative DisposableIncome. That 's based on my home being valued at XXXX. 
Dollars. I would like a principle reduction. I be leavebased on the true value of my home it will lower my debtand allow me a payment I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I bought a house, but had not sold my old house yet, so I had to get Private Mortgage Insurance because I would n't have enough money for the appropriate Loan to Value percent. When I told my broker I did n't want to get PMI, she said not to worry that as soon as I sell my old house, I can pay down the mortgage, and the PMI would be dropped. So after my house sold a few months later, I paid down my mortgage to the appropriate loan to value. In the mean time my loan had been sold to Nation Star mortgage. So I called and asked what I need to do to have the PMI dropped. They told me I had to pay it down more, so I paid it down to about XXXX % LTV, then I submitted the form they asked me to submit. After a few months I called to ask about it, and they said I needed to re submit the form, so I did. I spoke with probably XXXX different people ( some of them very rude ... like I was asking for something unreasonable ), the original broker I used for my mortgage spoke to several people, and I can not get a response about when or whether the PMI will be removed, or if they need more information, or anything. Overall they have been very unresponsive and uncooperative. My initiatial call to them was in XXXX 2016, and I still do not have a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio is attempting to foreclose on a home they have no legal rights too. We have asked that they provide copies of the note. They have advised us in writing that the note was destroyed/manipulated. Therefore they are unable to produce it. Our contention is that neither XXXX XXXX ( who also has admitted to know be the lender ) nor XXXX XXXX XXXX posses the note. In additional XXXX accounting is suspect at least. They large principle payment ( over {$100000.00} ) made on the loan never cured the rearrages. It was applied to the principal balance and the loan remained in default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX, XXXX, I closed an account at XXXX XXXX and took the cashiers check to my Bank, Branch Banking and Trust, XXXX XXXX, XXXX Va, to open a savings account to be linked to my checking account. I have had a checking account with BB & T since XX/XX/XXXX and have always handled the account in a satisfactory manner. I had a balance of {$8000.00} in the checking account, collected funds. While at BB & T they treated me like a criminal, but that is not why I am complaining. I opened the saving account for {$20000.00}. Approximately {$19000.00} with the cashiers check and the other transferred from my checking account. I am complaing because they pulled a credit report on me without my authorization. It showed up on Equifax as a hard pull. BB & T never disclosed to me that they would be running a credit report. Now the inquiry shows up on my credit report indicating I was trying to get credit. I never asked they for any credit and told them that I had no interest in receiving overdraft banking or a credit card. They put the cashiers check on a 7 day hold, which was fine with me. This should have given the proper assurance that the transaction would be valid.

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 2016-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
It has been more than seven days ( not including weekends and legal public holidays ) since my servicer received the notice of error or information request, and I have n't received any communication from my servicer. The letter was a certified mail dated XXXX/XXXX/16 and it was delivered to Quicken Loans on XXXX/XXXX/16 at XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
I refinanced a home with Nationstar in XXXX, 2015. I was notified that payments would begin XXXX XXXX by my loan officer. Instead, Nationstar began requesting payments in XXXX. 
I feel like I was scammed. I checked the closing documents that I signed, and they do indicate that payments would begin in XXXX. I 'm frustrated and already behind in my payments because of this. I tried working it out with Nationstar, but they wo n't budge because of the closing documents. I would not have signed them had I known the start date was in XXXX. Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I have been working with my mortgage company for months trying to complete a short sale. The last buyer I had terminated the contract because she states my bank was taking too long to approve the short sale. I have a new buyer now and I submitted all the necessary documents and my bank kept delaying the process & giving me misinformation. They would tell me my short sale is still in review but have decisions made. They would also give me and my Realtor different information. 
They said they denied my short sale because they want the full payment they are owed. My house is worth less than what I owe and I thought the purpose of the short sale was for the bank to acknowledge that and write off some cost. They claim they are short {$450.00}. They are jeopardizing me to get a FORECLOSURE over {$450.00} I 'm totally baffled, disgusted and distressed ; this does not seem to be a legitimate reason to deny a short sale. I 'm sure there are many more cases like mine at this company. 
I do n't understand the reason behind the short sale if the bank was expecting full payment. The XXXX Program is nothing but false hope, a faade. This was a waste of my time, my realtor 's time, the buyer 's time & buyer 's realtor time. This bank has no due diligence, and I desperately need to know my options and request that someone look into this bank to make sure they are not conducting unethical or illegal business practices. Any information you can provide me will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar Mortgage bought my mortgage from XXXX Mortgage in the XX/XX/2014. An error was made in the handover. Nationstar began writing, texting, calling, and emailing me about only making a partial payment. No matter how hard I tried, Nationstar insisted I pay the remaining balance. They even said they conducted an internal investigation and determined positively I had only made a partial payment. Finally they said they were sending a letter to the credit companies as I was in arrears. At that point I contacted XXXX Mortgage and explained my problem. They assured me I was on time with all of their payments to them and they would contact Nationstar. A short time later a man purporting to be a Nationstar Vice President called and apologized for their error and harassment. I told him I was concerned about my credit score. He assured me no notice had been or would be sent to the credit companies. I recently was turned down for a XXXX XXXX credit card because of my credit. I downloaded a XXXX credit report. It contained a negative report from Nationstar saying I had been 30 days late with a payment. I contacted Nationstar. They sent in a correction. I am appalled they can adversely affect my credit irresponsibly and I can not get the XXXX XXXX credit card. Can any action be taken against Nationstar, for example a fine or adverse report on their record? My Nationstar loan number was XXXX. I have since sold the property and paid off the mortgage. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Phone is XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
FILED BY XXXX : I applied for a modification with SPS and they have informed me that they were going to pursuit the foreclosure while going through a modification ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
I refinanced my property in XXXX 2016 with Nationstar Mortgage. In XXXX 2016, I learned that Nationstar was delinquent in paying my property taxes even though they had escrowed funds at closing and collecting escrow payments monthly. I contacted Nationstar and the issue was not resolved. I paid my taxes so as to avoid further penalties. After examining my closing statements I discovered that Nationstar collected {$2900.00} in pre-paids and closing costs towards my property taxes. In addition, a balance of {$2100.00} was in my escrow account before I refinanced. I have confirmed with a Nationstar agent that this balance should have been transferred to my new escrow account. My new escrow account started with a balance of {$1100.00}, resulting in a discrepancy of {$3900.00}. I have contacted Nationstar repeatedly to ask for an analysis of the escrow account, for them to account for the discrepancy, and for them to close my escrow account, based on their mismanagement and to refund the balance to me. My last conversation with a Nationstar manager today indicated that they have an e-mail ( which I never received ) explaining why my request was denied. I have asked them to send me that e-mail again and also to post it in the US Mail. In any case, after 3 months several hours on the phone, and a dozen e-mails I still do not have satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
On XXXX separate occasions Nationstar Mortgage failed to send me statements and XXXX notify me by email or phone that payments were not received. 
On XXXX Nationstar failed to send a statement on account XXXX. 
I mailed in the payment to them and wrote the account number in the memosection of the check. They either did not process the payment or did notreceive it. In any case they made no attempt to reach out in any anyway, either by email or phone call. they did the exact same thing onaccount number XXXX on XXXX. No statement, no call, no emails. 
After 57 years Nationstar is the only negative report I have EVER hadposted to my credit report. I find their practices unethical and believethey should make and attempt to notify the customer so the customer haschance to correct it before it is reported!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: DC

Complaint narrative:
Mediation was done in court between NationStar attorney and borrower at the beginning of XXXX 2016. The agreement was to get the modification packet request to Nation Star.Modification request was sent by there due date. Left message with account manager on XXXX/XXXX/16 also spoke to XXXX who advised of other docs needed. These were faxed. Left another voicemail with acct manager on XXXX/XXXX/16. As of to date no return call from account manager. I spoke to a representative today, XXXX/XXXX/16 who advised me that the account is closed and house went up for sale on XXXX/XXXX/16

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am being assessed a {$10.00} fee for paying my mortgage on the XXXX of the month. I am making my payments online through the mortgage site. There is a {$19.00} fee for contacting the mortgage directly. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX sold my loan to Nationstar Mortage LLC. It is almost impossible to deal with this company and took pulling teeth to finally find out how to pay my mortgage. Now I receive a letter from my insurance company ( XXXX ) that even though I am paying my mortgage that XXXX is not receiving mortgage insurance premiums. I am paying for insurance with XXXX but XXXX is keeping the money and not paying my insurance company.

Company response to consumer: Closed with explanation