vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
For years we have used billpay to make a payment to Nevada State Bank without problems. In XXXX we received a notice stating no payment has been made. On XX/XX/2016 a payment was deducted from our account at a XXXX where my wife works. On XX/XX/2016, a past due statement arrived in the mail. XX/XX/2016, On a 3 way call with billpay and Zion, NSB 's parent company, My wife was told to stop pay and reissue another payment by a Zion rep named XXXX. XXXX reissued another check and sent a letter of good faith. On XX/XX/2016, per XXXX made a 3 way call to billpay and this time got XXXX. They finally received the first check which had a stop pay on it and told us we would be charged {$25.00} for non sufficient funds, 2nd check had still not arrived with no explanation as to why. XX/XX/2016, another 3 way call to XXXX who transferred to XXXX for removal of NSF. She agreed to remove it XXXX time for something called life of loan. XX/XX/2016, Another 3 way call to XXXX who verified payment was posted on XX/XX/2016 for XXXX payment with a late fee of {$16.00}. XX/XX/2016, billpay sent a check due for XX/XX/XXXX, XX/XX/2016, called billpay to confirm check was cashed, it was not, tried calling Zion 3 different times, hung up on 1st time, next 2 attempts phone was hung up immediately. Billpay rep can confirm this. As of XX/XX/2016, we are waiting on a call from billpay, they are attempting to resolve the issue. 
My wife asked if she should send a payment in 2 weeks before it 's due and was told that was not needed as they back date journal entries. 
We have worked hard to keep a good credit score and Nevada State Bank or Zion is not helping.

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 2017-03-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
Over a year ago I closed acct for XXXX with Nevada State Bank. For over a year I have received account summary statements from the Bankcard center, XXXX, XXXX UT XXXX showing I have a {$67.00} credit. I have called the card holder service to receive pymt and have gone to the XXXX branch in XXXX, NV. to no avail. In XX/XX/2017 I spoke to a branch mgr who told me, after a hour on the phone, they were looking into it. Three weeks ago I went and spoke to a teller that made several calls and was on the phone for about 1/2 hour while I stood and waited. He told me they would contact me. It never happened. Last week my husband went in, as a VP of XXXX, and after speaking to XXXX, a branch mgr, he was told the check was " in the mail '' and should arrive this past Tuesday. It did n't. On Wednesday my husband went back to XXXX who made more phone calls, and was told if there were any " upgrades '' they would tell the branch manager, who would then contact us. We have n't heard a word since. 
I realize this is only {$67.00}, but if it was reversed we would be in collections. They have kept our {$67.00} for over a year and we want a solution. What are upgrades? Where is the check that was promised?

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 2016-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
on XXXX XXXX, 2013 consumer open BB & T Bank checking, thebb & t bank issue debit card AND have been injured and harm by BB & T Branch banking & trust illegal insufficent fees when in facts have the funds to recovered each and every check, deceive consumer alleged discovered her XXXX account have been paid to XXXX, TN for HOME MORTGAGE With XXXX, without consent or authorized as result consumer have been harm injured and her check No # XXXX for XXXX, {$350.00} Unpaid, including significant XXXX unathorized were XXXX, and Paid US postal in debit card, were mislead that did not go through, iduced to make check for U.S. Postal serice, finding XXXX transaction with draw, See Case # XXXX misleading statment consumer purchased XXXX whole sale membership paid by cash, and have been probibited from honoer her membership to purchased food, BB & bank and significant charges insufficient fees in violation of federal banking, Consumer finding the BB & T bank were XXXX account, without disclouser or consent, unabel to worked this account without undoe burdien significant harm caused consumer to defamed & injury suffered significant

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 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: E. A. Uffman & Associates, Inc
State: LA

Complaint narrative:
This is a continuance of a complaint filed by myself on XXXX/XXXX/XXXX Case # XXXX that subsequently removed from my credit report. This collection has been reported on my credit report as well and needs to be removed. Hopefully, this is the last of the bills that I have received that needs to be removed from by credit report via XXXX for the XXXX for an injury I received on XXXX/XXXX/XXXX via my employment with the 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 2016-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONS LENDING CORPORATION
State: FL

Complaint narrative:
I applied for a refinance loan to 1 ) reduce my interest rate and 2 ) to get some cash for home improvement. I was told by XXXX XXXX that I could skip 2 payments reduce my interest rate and get the escrow on the old # XXXX in the amount of apx {$4800.00} dollars. Half way through the process a Senior Sales Manager named XXXX XXXX told me there was an issue ( XXXX/XXXX/2016 XXXX EST ). The title company said there was a shortage of apx. {$1600.00} and I would have to send them this money to continue. I was furious, the next, the next day he took care of it saying " We are good. I took care of it for you. It was n't your problem and is was n't right for you to pay for it. '' However in the end NLC paid the title money out of my escrow and added the remainder to my current loan # XXXX. NLC lied to me and miss represented themselves to me about the title company shortage. In the end I have had to pay for XXXX for my wife and I just had a XXXX also unexpected. Please help as I also have all the emails back and forth from XXXX XXXX and XXXX XXXX. PLEASE note half way down the " XXXX '' document you will see XXXX XXXX assures me of the financial outcomes. The " Issue '' document shows the Title company shortage issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery/ fraudulently reported a dispute on my credit report for a {$600.00} collection. This is shows as a revolving credit which was paid in full over a year ago. The dispute was finally removed after 4 months. However, my home loan is being denied 10 days before closing because Portfolio Recovery/XXXX is refusing to delete the inquiry off my report. I am about to lose my home loan all because a {$600.00} collection was fraudulently disputed and effected my credit. If it had n't been disputed and the dispute recently removed, I would be approved for my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Failure to provide me with a breakdown of penalty fees and non standard charges that are being assessed to my account. It has been requested multiple times and not provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
My mortgage is being serviced by Nationstar. Approximately nine months ago they ( Nationstar ) started to post my regular on time monthly mortgage payments as principle only. I had to contact them each and every time to repost the payments as a regular mortgage payment which they agreed to do. At the end of XXXX XXXX they sent me a notice that my monthly mortgage payment would increase by {$200.00} due to increases in real estate tax and insurance. I submitted a copy of the municipal real estate for XXXX to show them that the tax was an increase of {$54.00} for the whole year or less than {$5.00} per month. They refused to acknowledge their error and are demanding the additional {$200.00} per month stating a need for a more positive cash flow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
As per complain XXXX, Nationstar Mortgage alleges that I paid full mortgage payments during my trial period. As soon as I received my trial period, I began making payments of {$600.00} for the first month, {$600.00} for the second month, {$600.00} for the third month and {$570.00} for the fourth month when it was brought to my attention that I needed to make the exact amount and that I had full filled the trial period by their representation. Their representative, XXXX, who is a manager, told me they had added an additional month to the trial period. I have resubmitted the forms to them for a new loan modification and they have laughed at me and told me I have been denied. " Once you fail a trial period - you NEVER get another. '' said XXXX on XX/XX/2016. Nationstar failed to apply the funds properly as shown in the original mortgage statements I sent to you in the above referenced complaint. Notice the unapplied funds in that statement. They were putting the payments in unapplied funds and then applying them as full payments. I never made a payment for {$470.00} which shows as being applied at one point - this occurred because they had n't been applying the funds correctly. They were taking the trial payments and applying them as full payments creating the failed environment themselves-which is what I have been telling them all along. They do n't know what they are doing. It is fraudulent and and obvious effort to take my house. I have had to humiliate myself by begging and borrowing money from family and friends to save my house and prevent myself from becoming homeless. No one is looking at the proper place on the statement. UNAPPLIED FUNDS which is where they put my proper payment!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I have been experiencing some financial hardship and contacted my loan servicer who is acting in behalf of XXXX XXXX XXXX bank. I have audio recorded evidence that the servicer has been engaged in " dual tracking '' and also has purposely caused delays since I have requested a modification. I am less than 60 days behind having made a payment recently. I was sent a default notice by the servicer twice. I have contacted the servicer and they say they are looking into what modification programs I might qualify for while at the same time continuing with forclosure procedures. They have violated the CFPB 's rules that require that a minimum of XXXX days delinquent before they can proceed with any type of foreclosure process. They are " dual tracking ''. They are trying to delay the process by saying they have not received all of the paper work. I can prove they have attempted this by the audio recordings I have of the calls I have had with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
I have refinanced a second mortgage through XXXX, XXXX XXXX, XXXX XXXX XXXX My previous holder was NationStar at 11.5 %. This asset transfer was completed around XXXX/XXXX/16. NationStar, XXXX XXXX, confirmed with me yesterday, XXXX/XXXX/16, that they have received payment in full and would send me confirmation. I received an email from XXXX, ( That had a no reply hold of email reply ) that there was a balance of around {$270.00}, after she confirmed the balance was confirmed as paid in FULL. I am in the process of other refi 's that can not continue until we have confirmation of this loan payoff. I was very upset that NationStar did provide documents that this loan with them was paid off as per XXXX. When I spoke to XXXX today, XXXX/XXXX/16, as I was upset, she hung up on me. All I want is to have NationStar agree in writing that my loan with them is paid in full. It is very simple. They have their money. Please send confirmation. XXXX email has a no response lock on her email. They are worse than 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 2015-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Nationstar Mortgage has serviced the loan on my house since the beginning of 2014. I have an auto debit for my monthly payment. Additionally I made arrangements, when Nationstar took over my loan, to be able to mail in monthly Principal Only payments. Nearly every single Principal Only payment made to date has been taken as a regular payment, distributing the payment as partial principal and partial interest. When I call them to correct the payments, they do not deduct from my total balance to reduce my interest payments, keeping my interest at a higher total amount. They are also charging me an " adjustment '' fee when I call to correct these errors. This company must be stopped!!

Company response to consumer: Closed
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Select Portfolio Servicing refused to put " this account is being disputed '' on my credit reports with XXXX credit bureaus even after 30 days and 60 days expired. Called me at night XXXX XXXX Said would pick up money from my house and job. Caused me to lose jobs, not get car and business loan, my credit score went down.

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 2015-10-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I have been trying for the last 18 months to get a loan modification from SPS who is the servicing for XXXX. I have faxed and mailed documents to them for at least 12 months now. I have predotory lenders still on my account that should have been removed since 2009. My interest rate is over 12 percent. Sps has been given me the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Certified Services, Inc.
State: IL

Complaint narrative:
My XXXX year old son visited XXXX in XXXX, IL. At his 10 minute XXXX it was determined that they could not help him and told him to go someplace else. No mention of any charge was made and no co-payment was collected. He left thinking that it was the end of it, but a year and a half later, I received a bill from a collection agency for {$310.00}. During this time I had not received a itemized bill or any communication from them. He has not received an itemized bill or any communication from them. When I called to complain to Certified Services , Inc . I was told that they do n't have to bill you and they can turn you into collection the minute you walk out the door, if they want to. 
And, they can turn you into collections up to 6 yrs later if they feel like it. 
I do n't feel that it is good business practice to turn someone into collection, a year and a half later after absolutely no billing or communication whatsoever. I even question whether this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Nationstar Mortgage continually misappropriates my payments. They put the money wherever they feel like, and I have to call on a monthly basis to get it straightened out. I pay my taxes and insurance and have had no escrow since the establishment of the mortgage. In XXXX, they paid my insurer, out of an escrow account that did n't exist, XXXX 10 XXXX days after I paid the homeowners insurance in full. Then they made me responsible for getting their money back. I received a check from my insurer. I put the check, a letter describing what happened and what needs to be done, and a copy of their letter that detailed the situation. The money was full appropriated to my principal and they told me my escrow account, which does n't exist, was in arreers. I had to call to get this matter straightened out and they had XXXX XXXX XXXX payment misappropriated. If I would n't have checked on my mortgage, I would have been " late '' on payment because of this. Now, as I attempt to make another mortgage payment, They have increased my payment approximately {$64.00} to cover escrow costs. THERE IS NO ESCROW ACCOUNT, THERE NEVER WILL BE!. I now have to call them again and get my account straightened out. They are under several investigations, and have several pending lawsuits against them. I want my mortgage sold to a reputable mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
On XXXX XXXX, XXXX we applied for a shortsale on our home as an alternative to foreclosure. After the bank did there bpo, and appraisal they want a price for the home that was too high and wasnt a true market value. After marketing the property for some time with a realtor we finally got a offer once they reduce the price and had another bpo and appraisal done ( 8 months later ). While marketing the property and maintaining it we received an offer in XXXX XXXX and submitted it thru the equator system. We alos received in the same month a foreclosure letter saying that the property was scheduled to be foreclosed on XXXX XXXX, XXXX. In accordance with Cfpb laws a bank is not suppose to have a scheduled foreclosed date when a homeowner has provided the necessary document 37 days prior to foreclosure when they are trying to work out an alternative to foreclosure. During the same month that we provided a contract we received a foreclosure date. In addition we received an email from the equator system in XXXX XXXX saying that the bank was now denying any shortsale proceddings. Not only were Nationstar actions unlawful in accordance with the cpfb laws but they were misleading and costly to myself, the listing and selling agent, the real estate companies, the attorney, the negotiators and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have always paid my mortgage on time. Nationstar Mortgage paid my impounded insurance bill 15 days late causing my insurance to lapse. After that I got a new refi and during that time while in escrow they XXXX XXXX paid insurance 15 days late XXXX ) sent me a letter to force insurance if I did not comply XXXX ) ran XXXX credit inquiries on my credit report all XXXX agencies XXXX ) reported my acct as a 30 day late while in escrow after delaying payoff info after XXXX request causing a late charge XXXX ) reported after account was paid in full My property was neglectfully uninsured for 15 days!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I think it illegal for Select Portfolio Services to " claim / state '' ownership of a debt and report same about that debt while it is and has been in legal proceeding since 2010. The specific being a Quiet Title action taken against XXXX Bank Home Mortgage filed in XXXX XXXX by XXXX XXXX XXXX XXXX. of NY. ( See attached ) This action precludes any possible transfer of " debt '' or " claims of debt '' from XXXX Bank to SPS and thus, makes it impossible for SPS to have any say or standing in the matter. 

there is and has been a QUIET TITLE Action in court with XXXX in XXXX, NY XXXX XXXX XXXX XXXX since 2010 ( decision and Order Number XXXX by Judge XXXX XXXX XXXX ) So how can XXXX transfer something it does not legally own, furthermore, how can SPS claim to have rights? let alone publish such rights without legal standing? 

this is clearly criminal and potentially Identity theft 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 2015-10-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I do n't know why that every month when i send in my mortgage check its always a problem with them cashing the check NationStar Mortgage I keep having to put a stop payment on my checks for last 3 Months because they said that they have not receive it out of all of my other checks that i have sent out are cash but Nationstar its always a problem and i would like to know why please.

Company response to consumer: Closed with explanation