vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
this debt XXXX XXXX XXXX was in bankruptcy XX/XX/XXXX. Per XXXX and XXXX they both show this to be XXXX balance and filed in bkruptcy,,, Equifax does not. Put in a dispute on XXXX XXXX with Equifax and then again to check on in XXXX XXXX, and then again to check in on XXXX XXXX. XXXX XXXX the girl said " XXXX '' said to send in documentation and will be resolved within XXXX hours. I did send it in on XX/XX/XXXX showing the bankruptcy papers and today I called in and no one would even speak to me. I being the wife of the account in dispute spoke to everyone since XX/XX/XXXX and today they do n't want to speak to me. All I want is this cleared if I sent in documentation for this and seeing that the other XXXX credit reports show it cleared as well. This should show XXXX balance and in bankruptcy. XXXX account was for XXXX Bank sent in as a dispute to state this is a XXXX balance. It shows as XXXX balance but Equifax is refusing to remove the dispute. On this XXXX the XXXX balance is correct it just needs the dispute information gone we are NOT disputing a XXXX balance account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
My mortgage company is giving me the run around I have been trying to get a modification for several months. They have ask me to supply documents over and over again I have faxed all my financial information such as income tax returns, bank statements, and paystubs. But now they still asking me more proof of income which I have sent them several times. When I call to speak my loan specialist I never can I always speak to the next representative who is n't handling my case. I was just sent a letter saying that I need a contributor package and two months bank statements or proof of income. Im very exhausted because I been sending in everything they ask for. I feel that they do n't want to give me a loan modification they want me to just give up. That 's why I need your help and guidance. Please help Thank You. The name of the mortgage company is Nationstar Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I had my original mortgage with XXXX. I lost my job due to the recession XX/XX/2008 and had trouble making my monthly mortgage payments. XXXX began charging me extremely large " differed interest '' fees each month my payments were late as well as charging late fees. By the time I was able to make regular payments again XXXX had added over {$31000.00} in differed interest to my mortgage. Now, after paying on my home for over 11 years my payoff amount is significantly over the initial purchase price. I 'd like to sell my home, but with this huge amount added to the loan it makes it financially impossible to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax responded to this investigation in a letter dated XXXX/XXXX/2016 Confirmation number XXXX. They are still claiming this account is a valid debt, and will not re-investigate any claim regarding a dispute to these accounts unless they receive relevant information to support my claim. Obviously they did not verify any of this information. I have provided sufficient documentation to have this account removed since the date listed on to their offices directly, and to date this account still remains on my credit report. This account being disputed is now listed as XXXX ... ( which is this exact same account that I disputed in this case ) as a negative item. 

They claim they have validated this debt, however per CFPB complaint number XXXX, and cfpb complaint number XXXX : I want the method of validation they used to obtain proof this is a valid debt and/or the deletion of these accounts from my credit reports. I have spoken to the original creditor and have a printed response from JPMCHASE which was attached to the original dispute in your office stating they no longer owed or controlled this account. I specifically wan the name and phone number with the extension of the person they spoken to. I will not accept and do not want any verification of these accounts through a third party or database, because it should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
Our HELOC agreement with BB & T stated " The initial Discounted ANNUAL PERCENTAGE RATE is 1.99 %. It also stated " The initial Discounted Annual Percentage Rate is in effect from the date of the Agreement through XXXX XXXX, XXXX. '' The date of our agreement is XXXX XXXX, XXXX. Yet on XXXX XXXX, XXXX, BB & T adjusted our interest rate to an APR of 2.24 %. I called a local office and was told that this was not an error. I then wrote their office in NC and received a phone message from XXXX XXXX ( sp? ) saying the same thing.

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 2017-02-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Applied for XXXX which Chase Bank confirmed to me I was eligible TWICE ( XX/XX/XXXX, XX/XX/XXXX ) before applying on XX/XX/XXXX. 

After making the {$50.00} charge I called Chase to ENSURE no problems! 

Buying XXXX allows XXXX and into XXXX and SAVES CHASE {$50.00}!!!!!!!! Chase is saved MONEY and NOW denies my a benefit that I had confirmed was ELIGIBLE!!!! 

Representative DENIED me coverage ... ... .UNETHICAL and UNPROFESSIONAL as CHASE he instructed me never documented my calls NOR was HE until I demanded my complaint be escalated to Chase Presidential Escalations. 

Chase representative REFUSED to cooperate on sending Presidential Escalation my complaint - Chase BULLIES customers!!! 

Representative REFUSED to forward a complaint to Chase Presidential escalation forcing an complaint to CFPB. 


Chase Saphire Reserve Direct Line customer service reps are incompetent about Saphire Rewards benefits and have NOW LIED to me with different feedback even though I had pre-checked! 


Dishonest, unprofessional and unethical treatment by CHASE Bank!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX home loan servicing assigned a XXXX balanced loan to Nationstar. 

After transfer, to date Nationstar claims more than {$110000.00} is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My parents are behind 1 month on their mortgage, as XXXX owners they are never home. But I 'm a XXXX student and i usually am at home mostly during the weekends. The debt collector showed up yesterday violently banging on my door ( when he could have rang the doorbell ) being a XXXX year old woman this intimidated me and the car he was in had no logos it was just an SUV. Today while returning home from running errands the same van was waiting a street away from where i turn to get home, he pulled up in-front of me almost crashed my car. Then took a picture of me, then when i got home he got out from his car continued to take pictures of me, and gave me a notice to call my mortgage company. I feel in danger getting followed home by a random man, almost getting my car crashed into, frankly i just feel harrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I have a a unverified account fromI C SYSTEMS COLLECTIONS # XXXX. I had previously disputed this account. I have never done business with I C SYSTEMS COLLECTIONS. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I C SYSTEMS COLLECTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C SYSTEMS COLLECTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Spoke with mortgage compamy and they stated my mortgage payment would jump from {$1000.00} to {$1400.00} an increase of {$350.00}. which would have a financial impact on my life that I can not afford. When I spoke with them they stated my taxes had went from XXXX a year to XXXX a year. I spoke with the county tax office and they said that was not the case it olnlu increased a couple hundred dollars. Can you please help me resolve this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
I was told by an Agent of Nationstar that they do not charge a fee for pay online customers on their website if the account is current as well as up to 9 days past due, They go thru XXXX XXXX and do not charge Customers the fee to pay online. At 9 days past due and after to pay online on their website they charge a transaction fee of XXXX which they state goes to XXXX. XXXX This is on top of a late fee at 15 days past due. ) The concern here is that current and past due customers up to XXXX XXXX do not have to pay for XXXX services, but customers after XXXX XXXX have to- this is targeting a group of individuals and is unacceptable. Either way the fee should be subsidized for ALL Clients or the fee charged for ALL Clients. XXXX doesnt know that these folks are past due. I can not stand dealing with this company, the right hand has no clue what the left hand is doing and I 've had to spend my valuable time doing this research- I was on the phone for just shy of an HOUR with them on XXXX XXXX unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Payment is due on XXXX of month. Company calls every month prior to this date to make sure I plan on paying them. I have had the loan for more than 5 years and have had XXXX late payment due to circumstances beyond my control. I have told company to stop contacting me. They ignore the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
Inspired by a recent article which detailed the travails a homeowner was having with Nationstar and the fact that he was seeking help through the CFPB, I wanted to share my experience in case it is not too late to be of use to myself or others. 
XX/XX/XXXX I was seeking to refinance my mortgage, when my existing mortgage was sold to Nationstar. Despite persistent calls from me they took a couple weeks to provide a loan payoff amount, saying that their system had not received the necessary details of my mortgage. The folks at the credit union I was trying to refinance with affirmed that they had never seen such unresponsiveness. As a result of Nationstar 's delay I lost my initial locked-in mortgage rate, costing me an extra $ XXXX/month for a total of over {$9000.00} over the life of the loan. 
I also had issues with Nationstar after the refinance, having to place many calls to get explanations ( often confused or contradictory ) for adjustments they made when refunding my escrow funds. Firstly, although I had requested the Payoff Statement as of XXXX XXXX, they sent it good through XXXX XXXX. The law firm handling my refinance sent Nationstar payoff funds appropriate to the date of their receipt of the funds, eliminating the interest for days after the loan was paid off. But when Nationstar refunded the money in my escrow account they deducted hundreds of dollars for interest for the remainder of XX/XX/XXXX ; despite my objections they refused to refund that amount. 
Second, my initial mortgage had been an FHA loan which had been open two and a half years ( since XXXX XXXX ). I was of the impression that the up-front Mortgage Insurance Payment which I paid when taking out the first mortgage was paid out over the first five years, and so because I was refinancing before the five years had passed I was due a refund of some amount of the up-front MIP payment. As part of the aforementioned calls with Nationstar regarding adjustments they made when refunding my escrow funds, I tried to ascertain whether I was getting this refund. Although they said yes and pointed to a credit of a few hundred dollars, I was a suspicious given that I had been expecting about half of the original up-front payment ( which was {$7000.00} if I recall correctly ). 
Bottom line, I do n't know if the folks at Nationstar were swindling me or just incompetent, but either way the result was expensive for me.

Company response to consumer: Closed
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I acquired a XXXX Loan in XXXX for my primary residence that XXXX modified in XXXX because it was a poor loan product, ( Neg-Am ). Myloan servicer transferred to Nationstar in XXXX XXXX and the terms of my loanmodification are not sustainable because of annual interest rate increases. Ihave been actively engaged with Nationstar since XXXX XXXX and eachapplication for a loan modification receives a different response with the samesubmitted documentation. My HUD counselor recommended a loan programcalled a FHA Short Refinance for homes with negative equity. I have called, emailed, and certifiy mailed Nationstar for XXXX-years about the FHA ShortRefinance program and Nationstar will not put in writing whether or not myNationstar supports this program. My lender is XXXX XXXX Bank, which theysupport the FHA Short Refinance Program. In my last letter received fromNationstar they assigned me my XXXX ( XXXX ) " Dedicated Loan Specialist '' which when you call their phone number, he states on his voice mail that hisname and phone number were inserted into XXXX of customers lettersby mistake and he can not help you, he proceeds to give you the XXXX customerservice phone number. 
Compliant:1 XXXX Nationstar fails to respond to my questions concerning FHA Short RefinanceProgram. 
2 XXXX Nationstar 's Dedicated Loan Specialists '' are not real ; only on paper theyexist ; I have not received a call back from a single Nationstar Specialist. 
3 ) Nationstar asks for the same documents multiple times stating they were notreceived. This has gone on for XXXX+ years when applying for loan modification. 
4 ) Nationstar uses the veil of waiting XXXX days to respond to every writtenrequest I 've submitted. This technique only allows XXXX back and forthcorrespondences in XXXX days ; thus, your documents expire and new documentsmust be resubmitted starting the process all over again. ( I have saved everyletter from Nationstar ) 5 XXXX My customer service representative responded to my last request withoutreading a single page of my package of material I mailed in. His response wasopposite to documents that HUD sent to me to give to Nationstar about FHAShort Refinance Program requirements. Nationstar stated that I did not qualifybecause I had a Conventional Loan and not a FHA Loan. The FHA ShortRefinance Program states you MUST have a Conventional Loan to beeligible and not a FHA loan. 
Thank you for taking my complaint about Nationstar performance as athe Servicer of my home Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
After calling Nationstar Mortgage XXXX number there are no clear instructions about how to get a hold of a live Customer Service person. I had to go through a complete maze of entering numbers and finally had to blast my phone with rapid XXXX and # # # # to get someone on the line. Then when someone answered and I told them of their horrific system they got downright nasty with me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My wife lost her job a few years back which made it very difficult to keep up with our bills. We kept paying our mortgage until our savings ran out and then we could no longer make the payment. We reached out to our lender for help but they would not help us. I now have a very good job and feel I can make the payments so I applied for a modification with Nationstar Mortgage. On XXXX XXXX, 2015 my loan modification was denied. By this time there was a trustee sale set for XXXX XXXX, 2015 and I was very afraid of losing our family home so I hired the XXXX XXXX XXXX to help me. They looked at the decline letter and found several errors in it. They sent in an appeal letter proving that I do qualify for the modification on XXXX XXXX, 2015. The reason for decline was negative NPV and the appeal letter stated that Nationstar did not provide full values used when calculating NPV so we could not fully understand the reason for decline. The appeal was denied on XXXX XXXX, 2015. Nationstar provided some of the NPV values but the list was still not complete. The XXXX XXXX XXXX is going to appeal again but I am so afraid that Nationstar will not do the right thing and modify my loan and I will lose my home. My house is still underwater. I am not asking for any principal reduction. I want to pay what I owe Nationstar. I am only asking for a 1 % drop in my interest rate to 3 % so I can have an affordable payment and will not default again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
I submitted a request to get refi-mortgage options and was called by Quicken Loans on XXXX/XXXX/15. The same day the loan was setup. I had said that I wanted a 30 year fixed with {$0.00} at close and {$0.00} out of pocket. I was told from Quicken Loans representative that it could be done and began delivering information that they requested of me. By XXXX/XXXX/15 they had all docs and was sent to underwriting. Over a month went by and then I received a call from QL stating that I would need to bring bring money to close. ( approx XXXX ) I began asking how this could happen and explained to them that was n't our deal. I was told that I could step away from the refi in which I explained that rates had moved and I could not get the same deal with another mortgage broker. ( I was offered the same deal at the start of this process with another mortgage broker but went with Quicken Loan after they said via email " If I commit to there company right now they could do the same deal '' ) Now I am stuck with a deal which much different than what I was told with a higher interest rate/monies atclose and QL loan appears that they did nothing wrong. Even though they said they made a mistake as all of the calls are recorded. It appears that they bait and switch you and use predatory practices to get you in the door. I think its very unfair and that they have no integrity. I have some email communications that I cant save down from my yahoo account. Please let me know and I can forward them on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
In XXXX of XXXX, my wife and I were shopping for mortgages. We spoke with Quicken and a variety of other companies and decided to go with XXXX Bank, a company that has been great. We never gave Quicken the authorization to pull our credit, either verbally or otherwise. Still, a pull appears on our credit report. I wrote to the XXXX credit bureaus to have it removed. All three refused. I called Quicken earlier in XXXX, and they now say that they can not find the pull. As such, they are unable to remove it. They told me to contact the credit bureaus, as well as XXXX. The numbers they gave me, however, do not work. 

I have attached both mine and my wife 's credit reports from XXXX XXXX as well as the letter I sent to the credit reporting agencies last year. You 'll note that my score is much higher ( not sure why ), and the Quicken pull appears in XXXX. 

Long story short, they have no record of it = why is it there?

Company response to consumer: Closed with explanation