vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
My house is set to be auctioned off through foreclosure on XXXX XXXX. I am only a few payments behind, but my mortgage company Nationstar has played hardball with me and not allowed any options to fix this problem. I am only {$5000.00} behind on this loan ( about 4 payments ) and am back working again so I do n't see why they have to take this extreme measure and not even give me a chance to fix the problem. I bought this house in 2010 because I had a good job with steady income. I was a XXXX and had been gainfully employed for 23 years. I never dreamed I would find myself in this situation. My company shut down last summer and suddenly I was out of work. Unfortunately I was living paycheck to paycheck and did not have much saved up. I applied for unemployment and benefits, but received less than {$1000.00} and just could not get caught up on the mortgage. The good news is I am back working and can afford a fair and reasonable payment again. The problem is that Nationstar will accept nothing less than the full past due amount. I have been called by their agents who have threatened foreclosure, and I have told them that I want to be considered for assistance through the available programs. They tell me that they will send out paperwork to complete, but it is never sent. I have tried to get Nationstar to open a review but ca n't make ANY progress. This is beyond frustrating. I am less than {$5000.00} behind on this loan and I make enough money to figure out a fair solution. But the problem is that Nationstar has no interest in a fair solution, they just care about foreclosing on my house. I thought I deserved a review of my current finances and expenses in order to determine what options may be available. NONE OF THIS HAS HAPPENED and my house is supposed to be sold this week. I need help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: PENTAGON FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I have a credit card account with Pentagon Federal Credit Union and have requested several times that the credit insurance I am being charged monthly be discontinued via email within their secure email messaging platform and they refuse to do so unless I sign documents. My email from within their secure website should be good enough. 
I have placed the credit insurance debit charges that they keep charging me into dispute, yet I logged in today and I can not find anything about the status of the disputes. This month, another charge for {$.00}. These charges may be small, but they add up, and when this may be occurring nationwide, it adds up to a considerable amount of money. When I inform you I no longer want the credit insurance it should be removed prompty without the need for dispute resolution or me having to go to regulatory agencies to complain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I am very devastated for all the excuses BB & T Mortgage has gave me in order to denied my loan. I have tried to work directly with them but they keep prolonging my loan and making me fall more behind. I been forced to re-apply every time, I am an elderly man and this is causing my health to decrease and I have even start working a second job to proof BB & T Mortgage that my intentions are to keep my house. BB & T Mortgage needs to review my loan under the correct income, I am sure they keep doing this to me because I am an elderly and they think I do not know my right but I do and I am fighting to stay in my house. Therefore I wont stop until I safe my house this is the only thing I have left, and I do not want to end homeless. Please have some compassion and review my loan fairly. I am a VA and have serve my country this injustice needs to stop.

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 2015-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Nationstar mortgage has had my loan in modification from over 5 months everytime i call i 'm put on hold for long periods of time then switched to another person whom request the same information that i just gave the first person then i 'm switched to another person whom places me on hold for more than 20 min and then transfered to another person whom puts me on hold and never comes back to the phone or they hang up this is not what i expected from a mortgage company and i no longer want to do busniess with them I need someone to tell me what my options are to get out of this mortgage. PLEASE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I had a rental/income property that NationStar foreclosed on because they refused to work the the Real Estate agent. He filed all the papers and had a buyer. Because NS dragged their feet and continued to ask for the same information over and over again, the buyer backed out. Agent than asked NS for an extension for find another buyer, they refused and foreclosed on the building. 
My problem is that on the XXXX under fair market value they inflated the number. Properties in the area are no where near what they have indicated on the XXXX. I have repeatedly called them to get this corrected, but with no success. I have been given the name of someone who is supposed to be researching this but I have called her twice within the past weeks and she has not responded. Additionally, they told me that the number under fair market value is the number they felt was a good bid for the property. They also added fees to this number. 'They got no bid close to that. They then foreclosed on the building without giving us a chance to find another buyer. I even said I would give them the keys and deed, they declined. 
Can you help me? This inflated number is affecting what I have to pay the IRS and my social security benefits because they are now taking more out of my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Between XXXX and XX/XX/XXXX, and after I filed a CFPB complaint against Nationstar Mortgage, they allow me to submit a Second Loan Modification based on my hardship financial situation. I have submitted all the documents that they requested uploading them through its website. I contacted several times Nationstar Mortgage to get a resolution. On XX/XX/XXXX I spoke with a representative and he told me that the modification was denied without any explanation and I request a denial letter that they said they will email me and send on regular mail. Shortly after I received a letter dated XX/XX/XXXX ( attached ) stated that they are waiting for third party to complete the evaluation. I called again on XX/XX/XXXX and XXXX told me that they denied the loan modification and has sent the letter that I request again to have sent by email, XXXX told me that she was sending as an attachment on email. I have never received the denial letter. Instead I have received a letter notice that per agreement modification they will increase the interest rate per the schedule. Please see the attached letter. 
First at all Nationstar does not care about customer service, their phone system does not allow to speak with loan modification department. Nationstar does not care about clients that want to keep their home. They only care about increase interest rate and consequently their profits. I really doubt that they have a Loan Modification Department and or Underwriters that analyze documentation for loan modification applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
XXXX has listed on my credit report a debt that was abolished by Mariner Finance in XXXX 2013. This was a joint account as I co-signed for a coworker to purchase a used car but Mariner Finance has been listing account as an individual account. Mariner Finance agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. XXXX keeps verifying the debt as valid because Mariner Finance is supplying fictitious information because collection efforts remain in effect for second party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. XXXX credit bureau is also listing the erroneous account by Mariner Finance as past due in the amount of {$1500.00}. I have been fighting with this company over this issue for approximately 2 years. 
I need the judgment and the erroneously reporting account deleted from my credit bureau reports as promised. 
Licensed by the Maryland XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION

Complaint narrative:
I opened check account with XXXX XXXX XXXX, XXXX TX on XXXX XXXX 2015 and the banker helping me with account clearly told that there is no minimum balance needed. I told him that I will be going to XXXX on XXXX XXXX. On XXXX XXXX, XXXX transferred my account to BB & T as BB & T bought all XXXX in Texas. BB & T says that they received my account from XXXX with a negative balance of {$59.00} and BB & T threatening me that they will charge off my account and report it for collection if I do not pay. XXXX says that they reversed {$59.00} charge ( {$25.00} for checks and {$34.00} overdraft fee ) as it is not of my fault to receive stale ( not usable ) checks and my account was transferred to BB & T with ZERO balance but not negative. I am sandwiched between these XXXX banks as XXXX and BT & T refused to talk to each other as they said that they are not allowed to discuss about customer accounts as they are separate banks. After several phone calls and several requests, XXXX gave me a ticket number for the case but have not heard back from them yet. Meanwhile, BB & T is threatening me via phone call that they will take further steps to collect {$59.00}. To avoid further complications and effect on my credit, I requested my nephew to pay {$59.00} into my BB & T account and requested them to close the account. 
I am a victim of the sale of XXXX to BB & T and it is totally unfair for both banks not to talk to each other to resolve the error and putting customer in great trouble to the extent of ruining their credit for no fault of theirs. 

I request your authorities to talk to these both banks and ask them to help me to resolve this issue. I am sure that there might be more customers in this situation and victimised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Homeowner sent multiple financial package to be reviewed. Lender will take over 30 days. sheriff sale was postponed due to being on review. Denied over the phone to the homeowner. Still homeowner have not received denial letter to make appeal. Denial reason over the phone the estimated new monthly payment was going to be greater that the current monthly mortgage payment. Sherriff Sale is under 30 days. Lender requested homeowner to submit new income to reevaluate her but they say will not request their lawyers for a postponement due to them telling the homeowner that she was denied over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
I obtained a modification in XXXX of this year. In XXXX, Nationstar Mortgage said my exhusband should have signed the papers because he was on the original mortgage. I was fine with this until they also added him to the note. He was never on the note. I did not need a cosigner for the loan or the modification. They refuse to remove him from the note and insist that he signs it. They told me that a Promissory Note is not a note for payment. They told me that a Note means different things in different states. I am now faced with applying for a new modification and they have told me that it will be refused if he does n't sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
SPS is the Servicer XXXX is the Investor. It is possible SPS has purposefully impeded the short sale process so that they could get their monthly fee while allowing the home to head into Foreclosure which is currently scheduled for XXXX/XXXX/XXXX. 

Home Listed For Sale : XXXX XXXX, XXXX Original List Price : {$450000.00} then home systematically reduced until offers received. 
Contract History : No Contracts until home listed at {$300000.00}. Original Contract XXXX XXXX, XXXX rejected by bank and the buyer was countered at nearly {$100000.00} above contract price. 2nd Contract XXXX XXXX, XXXX and bank rejected contract and countered buyer at nearly {$80000.00} above contract price. 
Offer History : In nearly 10 months and XXXX appointments, XXXX contracts and XXXX additional unaccepted offers were received when list price was reduced to {$300000.00}. According to Multiple List, only XXXX homes have sold in this community in the last 2 years. NOTE : Bank Appraisal from XXXX XXXX, XXXX came in at XXXX, which is lower than the bank keeps countering all contracts at ( Bank Counter {$370000.00} ). 
Distressed Sale : Not only is the home a Short Sale that is in need of repairs ( list attached ), the HOA is in default which makes it difficult to sell/transfer these homes. 

Supporting Documentation Attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I deposited Cash in the amount of {$960.00}. The following day I deposited a check in the amount of {$550.00}. When the ATM machine read the amount it said {$650.00}. There was not an option to change the amount. I know that the bank teller will retrieve the check and enter the right amount upon receipt. On Monday XXXX XXXX my brother deposited XXXX cash into my account. Now the check is on hold and I a being charged a overdraft fee for several transactions.. I spoke a XXXX XXXX at the BBT Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX She was extremely rude and told me that since I made the mistake at the ATM, which I did n't that was the reason I was receiving a overdraft fee. The overdraft fee is now XXXX. I can not get anyone to help me resolve this issue. I spoke with 5 people at the bank and everyday I am being charged a new overdraft fee. I spoke with XXXX XXXX at the XXXX XXXX Branch, XXXX XXXX at the XXXX XXXX Branch and XXXX XXXX. I also spoke to a XXXX XXXX at the call center in Texas. She took my complaint and advised that someone would get back to me within 24 hours. I emailed the Branch manager at the XXXX location for assistance, but he was on a conference call and has not gotten back to me regarding the overdraft fees. The date for these transactions were XXXX XXXX, 2016. BBT is constantly charging me overdraft fees. This is ridiculous and costing me a lot of money. I was also charged an overdraft fee on XXXX XXXX. I was told by the Customer Service rep that there was a n my paycheck from my job check that I have been receiving weekly. The total amount of charages was {$200.00}. I had XXXX in the account. I want to know why I was charged {$100.00} in overdraft fees. This bank is ripping me off and I need help please. I am on XXXX from a XXXX where my XXXX. I am in XXXX to rise. I need to know if BBT is going to be responsible for any additional medical treatment I may need from the XXXX of all this.

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 2015-09-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: TX

Complaint narrative:
In 2012 I helped my son obtain XXXX XXXX by using my credit card because it was required and he did not have one. Thereafter, he let the account get in arrears and so it was charged to my credit card. I notified my son of this and he took all of the equipment which belonged to XXXX XXXX to the XXXX XXXX in XXXX, Texas and paid the bill and XXXX XXXX took the charges off my credit card and I then closed the credit card. Then later my son decided to keep the services of XXXX without any help from me or use of my name or credit. Then once again he got into arrears with XXXX and moved away without paying the bill which had nothing to do with me. He was residing at XXXX XXXX XXXX XXXX in XXXX, Texas. Now, XXXX XXXX has hired a collection agency to collect his debt from me and when I would not pay, they put it on my credit report and showed that I lived at the XXXX XXXX address where I have never lived. This is not my debt and I have filed a dispute with XXXX only to have my dispute denied and the debt left on my credit report. This is very maddening because as I say, I have never used the services of XXXX nor have I ever lived at XXXX XXXX XXXX where the services were provided. Please do your best to rectify this outrageous matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants and Medical Credit Corporation, Inc.
State: GA

Complaint narrative:
I left my apartment with a zero balance in a month to month lease. This property had no structured management therefore after paying the last month rent to the maintenance man I was unable to retrieve my security deposit or sign out of the property correctly. I decided to move on leaving my deposit. I recently checked my credit report and after 4 years this collection showed up. I checked to see if the property still remained and was able to reach a extremely difficult and uncooperative manager that would not help resolve the issue. I was told I did n't give management notice so they kept my deposit which was one months rent and added a $ 1500+ debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received phone call from XXXX claiming that they are attempting to serve notification to me at my employment and residence ( for a charge off debt from 2001 ) and must call them back to make arrangments. When I called back, they stated that they were a 3rd party attempting to collect a debt and that the credit card company re-initiated a court claim against me where they can put judgement against me for up to $ XXXX. They pressured me to make a payment arrangement if they took a large percentage off the original balance due, then asked for my credit card information as a good faith attempt for not being sued. They promised to send me documentation via email as proof of them being a 3rd party representation. I was stupid and gave them the CC number in good faith. They took money out of my checking account for {$200.00}. The bank said that the transaction was from XXXX XXXX XXXX ( XXXX ) at a XXXX ' area code telephone number ( XXXX , XXXX ). I called the XXXX ' area code number. The representative that answered said that they were a " child support/check recovery '' agency in XXXX, XXXX -for the state of XXXX . I live in XXXX ( and do n't have chilcren, nor do I write checks ). The rep was good enough to run my name through their database, to see if my name came up and if my identitiy was compromised. Nothing came up and she suggested I call the police. She also disclosed that their agency have received a flood of calls of this type within the past two months. I got the money back from the bank and put in a fraudulent claim. Now, these scammers are relentlesly calling me 3 and 4 times a day from the same XXXX telephone number. I did some checking and the call is coming from somewhere in XXXX. I called them right back and told them that they have been reported to the police. DO NOT TALK TO THESE POEPLE FOR ANY REASON!!!

Company response to consumer: Closed with explanation