vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I am currently on a three year Modification Plan with my mortgage company. This Plan will end in XXXX, XXXX. I was notified that beginning XXXX, XXXX, my monthly mortgage payment would increase by {$210.00} because my Escrow Account was in a deficit. I did not understand this and contacted the mortgage company. The Representative did explain that my Homeowner 's Insurance had increased by {$300.00} but that my Real Estate Taxes were reduced by {$200.00}, but, she tried to explain that these were not the reason why the account was in a deficit. She did, however, assist me in stretching this payment over a 24 month period, reducing the additional monthly amount to {$63.00} and she did email me a breakdown of my Escrow Account Activity. Upon my review of this activity, I was still not able to determine how the account went into a deficit nor how would the mortgage company allow this to come to pass. I ca n't say for sure that its true but it appears that they are trying to have me lose my home, that I have worked so hard to keep for over 10 years.

Company response to consumer: Closed
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Credit Service Company, INC
State: CO

Complaint narrative:
for medical debt, I was given a summons and showed up in court. Their lawyer worked out a " deal '' with me where I could pay payments and if defaulted would have a judgement against me. I singed the paper and paid my payments. I have proof of payments. They still went back to court and claimed I stopped paying and got a judgement against me. I was not sent any paperwork to show up in court. I am filing something to get a judge to look at it again. I called and they admitted they " misapplied '' my payments but said it does n't stop their process. They are now garnishing me over twice the amount I agreed to pay in court. And I did n't break the agreement! They would n't work with me before it went to court at all. They wanted all or nothing and I could n't afford to pay it, so they took me to court. This is Credit Service Company inc. in XXXX XXXX, CO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo at an alert so my neighbor on the reasons or for requesting a cashiers check I 'm not 100 % sure what exactly happened but they refuse to explain to me and only will keep my account open for 10 days they stated that it was fraud how was that bra when I requested it I 'm sorry it was a temporary check.I just need to set up a XXXX I was going to deposit the money wired to the bank closing they actually spoke with my fianc was on the account and stated that they will fly both our names there was no integrity courtesy collaboration no no anything to try to help us resolve this issue. they also still send us emails about the accounts at one point we thought it was open but it was n't so we never understood what we were still getting email it was 100 % discrimination against my fianc

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 monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I was surprised to learn that bi-monthly payments made to Quicken Loans on mortgages are not credited at the time the payments are made, but are only credited once a month. Obviously this results in Quicken being able to collect interest on the monies that are collected for XXXX days or more before they benefit the consumer. We learned from Quicken that this information is outlined in their closing documents. It is not clearly disclosed on their website information regarding bi-monthly payments or verbally disclosed when enrolling in the bi-monthly payment plan. This is certainly different than many other mortgage lenders and a benefit to Quicken and not the customer. At least any customer moving to the bi-monthly payments should be made aware that their payments are not credited when received by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
I was dealing with Quicken Loans regarding a mortgage inquiry involving the potential purchase of an investment property. The loan officer did a hard pull on my credit before asking what the target loan amount would be. It being a small amount, about $ XXXX, meant that they would not have a program to help me based on the loan size. A hard pull n my credit negatively impacts my credit score despite the fact that he would n't have been able to help me in the first place. This could negatively impact my ability to explore financing options in the near term.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Nationstar Mortgage Loss Drafts Department which refuses to release insurance claim proceeds. 
All checks received from XXXX insurance have been endorsed and sent to Nationstar Mortgage. As requested, all documentation required and listed in the Nationstar Loss Drafts Department package has been provided on timely manner and required inspection took place twice at our property. The second inspection was on XXXX XXXX, 2016 and repair has been approved for release all funds. The website says the funds have been released in 6 days. However Nationstar mortgage makes all possible way do not pay the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
My client applied for a FHA pre-foreclosure sale on their property because they could not afford to stay in their home. The were approved to participate in the sale program but right afterwards the servicer foreclosed on the property. I filed a complaint with you and subsequently they rescinded the foreclosure and approved the contract that was submitted. 
As we started the closing process we found the property was not deeded back to the owner after the foreclosure was rescinded. I have been trying to get the foreclosure recission deeded but can not get help from the servicer. Please open an inquiry into this matter so we can complete this sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
We have previously filed a complaint about this situation. Our mortgage loan is with Nationstar Mortage. Twice last year ( 2015 ) Nationstar has reported our mortgage loan as a line of credit and have lowered the credit limit. This is not valid as the loan is a conventional mortgage loan. We have tried resolving thing with Nationstar to no avail. They ignore our attempts at resolving this issue. It is against the law for them to report the loan as a line of credit and to lower the credit limit on the account. We feel this personal and malicious. It has lowered the credit score for both borrowers ( husband & wife ) by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
NationStar Mortgage - XXXX, TX Mail : Notice of Error, Complaint, Request for Information or other Qualified Written Request Nationstar Mortgage XXXX. XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Web : MyNationstar.com This company took over my mortgage from XXXX and it has been terrible ever since. I have been fighting for resolution for almost a year and I 'm beyond fed up. 

XXXX 2015 the company took 2 mortgage payments from my account and caused over {$100.00} in bank fees! When I called I received multiple conflicting answers until I finally got my money for the actual payment, I have been fighting about the fees ever since. I have called, emailed, given feedback, and to no avail. I could go on and on, but I will bullet point my major concerns : *The reps are not well trained and give misinformation as well as conflicting responses. Sometimes they even act like you have n't called before! 
*I am told I will receive a callback after " further research '' and they do n't call back *After receiving the payment portion back I was told by a supervisor that I would see a check in the mail for the fees, but then it never came and now ( after speaking with several more people ) I am being told that I wo n't be getting refunded for the fees *The research department told one of the managers that I set up an auto-pay, which I did not, so I have asked for proof because they said they could see the IPs and they are refusing to send me documentation to take to a lawyer - which I ca n't afford in the first place - but I have asked several times for proof of this and told them I did not set up auto-pay because I do n't like giving up control of such a large chunk of my pay. I like paying it manually. 
*I consistently get " canned '' emails or letters that do not actually address the issue which furthers the frustration Struggling with this company has been the worst consumer experience of my life. I want to refinance somewhere else, but I know that once I am gone there really wo n't be a resolution to my issue. I am shocked at the terrible customer service, especially since I work for a financial institution myself ( investments and retirement ) and know how things should be done. This is just exhausting and really makes a person feel like the people at this company are crooks that are just taking advantage of people. Seeing all the bad reviews online only furthers my feelings and if I had been able to control the purchase of my loan, I would have told XXXX to never sell to Nationstar in order to protect their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX of 2016 my wife and I entered into a mortgage agreement with Chase. In fact there were two mortgages the first was approximately {$220000.00} and the second was {$55000.00}. What we did not realize at the time is that the {$55000.00} dollar figure included a balloon of {$50000.00} due in ten years. I suppose the idea was that after a short time we would refinance the house once it appreciates and pay off the second. Of course that did not happen and now after never missing a payment on either we have paid over {$59000.00} on the second ( which obviously exceeds the initial loan amount ) and still owe over {$50000.00}. I am not blaming anyone for this situation. However, my question is this : Am I to continue to pay on this loan to my detriment even though the house is worth far less than the two mortgages? Chase is simply continuing to collect payments on a loan where of the monthly payment of {$490.00}, only {$65.00} goes towards the principal and refuses to allow any form of refinancing or restructure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
i paid XXXX companies on my bb t card that took my money and rendered no service.i called my bb t card to help me with this and was told i waited to long to dispute these XXXX charges.i explained what had happened that i had not received any goods or services ever.even with these circumstances i was out of luck.i expected more from bb and t.it was XXXX different charges of XXXX and 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 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I had a XXXX modification that took off {$10000.00} off my loan. I originally bought my house for {$110000.00} now my balance is {$84000.00}. I asked Nationstar to please remove my PMI since I am 75 % into the loan. They originally told me it would be automatically removed XXXX/XXXX/2017 or pay 20 % of the total loan. They are now telling me since I got my home modified XXXX they will not be removing the PMI because that was my original loan not my modification. This is all not making any sense to me. I am not trying to pay anyone to re-appraise my home and I did n't think it should matter. I am NOT delinquent on my loan. All this do n't make sense if I got my loan modified. Modification is suppose to help me afford my home. I 've been in my home for 9 years and I 've been paying a PMI of $ XXXX on my mortgage. Please help I am truly frustrated and I feel the Mortgage company is trying to get over on me. I 've never refinanced my loan just a modification was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I was offered a rehabilitation program by lender who advised if I completed this program my loans would be removed from default and they would update credit reporting agencies to reflect no late payments on my credit. I successfully completed the loan rehablitation program and was told after I paid on time for 12 months that they were not going to remove the default from my credit nor update the late payment status although the agreement shows that they will. They then advised me that I must pay the balance in full to have my credit update which was n't what was written in the orginal agreement.

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 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
The short sale package was submitted for review in a timely manner. SPS has continuously throughout the review process ask for documents that have already been submitted to be resubmitted again. Delaying process over and over. Most recent submitted of a hardship affidavit was submitted on XXXX/XXXX/16 at which time i was told file was in review for a decision. I called on XXXX/XXXX/16 to follow up on receipt of affidavit it was confirmed received and i called on XXXX XXXX, 2016, and was told file in review. I called again today on XXXX/XXXX/16 and was told that file was going to be escalated because it was not submitted in review on XXXX/XXXX/16 as it should have been. Now we are going to have to wait again for review without a specific time frame and are going to lose the buyer due to these inadequacies by short sale lender. Original short sale package was submitted on XXXX/XXXX/16. There should be a comprehensive review and specific as to what items are missing or need to be supplemented so they can be provided at once within a 30 day period. Instead every time i called they requested for an additional documents. Delaying process to the detriment of the seller and buyers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
My home address was changed by the city. I submited the change to Nationstar, my mortgage company, XXXX years ago. XX/XX/2015 I tried to refinanceand was denied because of a address descrepancy with XXXX . I have submitted XXXX letters from the city and have yet to get my address correctly changed with XXXX. This procedure is called a SURF rquest. Nationstar says they cant even talk interdepartmental to try to resolv this problem. I also contacted XXXX XXXX 's office and my state ( MA ) attorney generals office. That was over a month ago for both. I am loosing about XXXX $ a month by not being able to refinance. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I disputed charges through Chase from a recent trip in XXXX were I was unfairly charged, but Chase is refusing to credit me for these illegitimate charges and is ruling them valid. Explanation of the XXXX charges below : 1 ) I booked a hotel room for one night in XXXX, XXXX through XXXX. When I got to the hotel and checked in to the real room, it was COMPLETELY different than the room that was advertised online that I booked. I took photos of the room and I have screenshots from my phone of the advertised room on XXXX. They do n't look similar at all. Frankly, the room they gave us was much worse. It was smaller, older, dirtier, and less comfortable. But, we were in the city for less than a day and dealing with the front desk was already a nightmare and wasnt a realistic option from a time perspective, and because it was booked through XXXX, it wasnt going to be easy to reconcile. This is why I requested a partial amount to be refunded from Chase. 

Chase told me that it was a valid charge since I stayed in the room and there was nothing they could do. I explained to them for hours that I did not have a choice to leave the hotel, and arguing with the hotel went nowhere, but they refused to credit the charge even partially. If businesses and merchants can hold customers hostage and their credit care companies wo n't stick up for them after the fact, that is unfair and needs correcting. 

2 ) Me and a companion were traveling from XXXX to XXXX, XXXX on a XXXX flight. We checked in XXXX suitcase and had XXXX small roll on bags and XXXX handbags. The gate agent checked in our first bag and said the other bags were fine to carry on. We go through security, to the gate, and when we 're boarding, the gate agent, at the last minute, says we have to pay for the roll on bags to be checked in. There were many other passengers she let by with similar sized roll on bags, but happened to stop the only non white looking people and asked them to pay. I 'm not saying this was clearly racism, but it sure seemed that way. The lady right before us and the lady after us both had roll on bags the agent paid no attention to. I argued with the agent but at this point I had no choice but to pay and get on the flight. we had already checked in, were at the airport, gate, and one of our bags was ALREADY checked in to the flight. I asked for a full refund from Chase and they are not processing that either. 

This essentially allowed the airline to extort my companion and me with no consequences. There is XXXX flight from XXXX to XXXX, XXXX every day. This was the flight. My check-in bag was already on the plane. I did not have a choice to NOT take the flight, which is what Chase is telling me. How could I do that? My bank and credit card provider should be defending me and siding with me against merchants that prey on customers like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I was told of debt not owed that I do not owe Midland Credit Management has bee using illegal tactics to file lawsuits against identity theft consumers there was no affiliation with these people what so ever past or present they have lied about debts not owed to them there are several lawsuits against Midland Credit Management for their illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I send Nationstar a debt validation letter on XXXX and i did not get any response, i send them a reminder on XXXX and still no response even though under law they have to respond. 
I called them on XXXX and they would not give me any information. 
Please help, i need this information for my litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I 've been unemployed for a while and myself and the spouse has been paying the mortgage. There were only once source of income in the home and my spouse was paying the mortgage on time. For some apparent reason I made arrangement and kept those arrangements and they have reported me to the credit bureau for no reason because the payments were made prior or before it gets to the credit bureau.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 2015-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: RI

Complaint narrative:
I performed a re-finance of an existing mortgage with Quicken Loans. Two months after the closing, Quicken sold the mortgage to XXXX XXXX. I do not want XXXX XXXX to be my mortgager. Is there a process that I can go through to stop this transaction?

Company response to consumer: Closed with explanation