vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I asked for HAMP Loan Modification for 30-40 years for 2 % interest, instead I am getting a loan modification for 2 % for 2 years only. Inaddition the letter says the interest rate goes up to 6.75 % which iswhat the current rate is now. Again Nationstar is asking me to pay {$9200.00} up front before they agree to do the 2 years modification. 
To me this is not the HAMP Program modification I am expecting fromNationstar. To me this is more of scamming than anything else. 
Scamming in HAMP Program is illegal. Therefore I refused to sign their letter ofagreement/acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
I refinanced my mortgage with Quicken Loans, and the loan closed on XXXX XXXX, 2015. On XXXX XXXX, 2015, funds were disbursed and my previous loan was paid off, and I was supposed to receive a disbursement check of {$950.00}. The check was supposed to be sent by overnight mail and I was supposed to receive the check on XXXX XXXX. As of today I have not received the check, and after several phone calls to XXXX, without receiving a return call until yesterday, I was finally told that it was the title company that supposedly mailed the check by mail instead of by express overnight service. The title company has no tracking number for the mailing and can not provide a location of it or a delivery date. As such, it remains unclear when I will receive these funds, that are obviously due to me per contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I was covered by the indigent/charity care program at the hospital and have been told by hospital there is a {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
I was wrongly foreclosed on in XXXX, and was included in the National Mortgage Settlement class in XXXX. 

In accordance with the terms of the National Mortgage Settlement, I received a cash payment, and the foreclosure was removed from my credit history. 

However, Nationstar referred repeatedly to this foreclosure in refusing to grant me a refinancing in XXXX XXXX. Of course, no record of the foreclosure exists in the databases of the XXXX reporting agencies Nationstar used : XXXX, XXXX XXXX or XXXX. Instead, Nationstar cited some other record, document, " fraud report '' or such proving the foreclosure, although, as recently as last week, they have continued to refuse to show me the document, precisely describe it or tell me where they 'd found it. 

I have made numerous requests for this documentation, and have also gone to great lengths with several members of the Nationstar sales and customer relations teams to establish my membership in the National Mortgage Settlement class and even to explain the Settlement. Most of my inquiries have been met with silence, or occasionally an email which completely ignores the Settlement and my claims with relation to it. On several occasions, Nationstar representatives pretended not to know what the Settlement was. 

I was able to refinance successfully with XXXX XXXX in XXXX XXXX, at favorable rates. XXXX, which also uses the XXXX above-named reporting firms, did not find any problems with my history and made no mention of the foreclosure, incidentally. 

Do I have any recourse? Will financial firms continue to be able to deny me financing on the basis of a foreclosure that should have been removed from my credit history? Or is Nationstar in the wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Consumer Real Estate Finance Co.
State: FL

Complaint narrative:
I contacted Consumer Real Estate Finance Co about obtaining a USDA loan to purchase a home. I was told I qualified and we started the process. I signed a contract on a house on XXXX XXXX, 2015. Since that time we have not closed, I have spent {$1800.00} for deposits, appraisals, inspections, etc and the mortgage company has not given us any closing date. We have had to extend the contract date XXXX and my latest expiration is XXXX XXXX. As of today my file still has not moved out of Underwriting and the mortgage company is not returning my phone calls or emails. They are also not returning my real estate agents calls or emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WI

Complaint narrative:
In XX/XX/XXXX my wife and I did a mortgage modification with XXXX the payment of XXXX included principal, intreste, and the repayment of back taxes for 55 months. The loan was transferred to Nationstar mortgage who has now done an escrow reevaluation and are demanding I pay them XXXX starting XXXX. Our taxes and insurance will stay the same. I called Nationstar mortgage and asked to speak to a supervisior they kept me on hold 30 min then hung up on me. They are in violation of our modification with XXXX. My wife and I were in forclosure and had to file a bankruptcy this company Nationstar is being very unfair and illegal. This is causing my family much distress. By the way XXXX goes toward escrow each month x XXXX XXXX my taxes are only XXXX my homeowners insurance is XXXX per year the total for taxes and insurance are XXXX as you can see I have a positive amount of XXXX I hope someone at the CFPB is able to help our family in this stressful time thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: KY

Complaint narrative:
Aurora Loan Services has ruined my life. I have never been able to recover financially after they foreclosed on my property. Like many Americans, I lost my job in XX/XX/XXXX and had no income coming in. I tried working out many options with Aurora Loans. However their reps told me that I would never qualify for any of their programs because I had no job. They advised that I enroll in their forbearance program in order to give me time to get a job and keep my house. I was unaware that the money I was going to pay was not being applied to my interest only mortgage. One a representative told me that they were holding my money I backed out of the account. They were setting me up for foreclosure and not applying any of my money. They began charging a Preservation Fee and various other bogus fees were added. They called me non stop. One representative told me that if I was in Bankruptcy that they could n't foreclose. So I lowed their advise, I filed Bankruptcy just to prevent a foreclosure. As soon as the BK was discharged they demanded money and began foreclosure. They would never tell me where money was applied or how it was held. I filed a complaint with the XXXX in XX/XX/XXXX because I did n't know what to do. That did n't help. I plan to provide documentation to show their unfair collection practices and how they did not apply my money when it was sent in. I have XXXX different Account History printouts from the with the same dates and they do not match. Aurora Loan Services set me up and took my all money. Once I paid them their demands, all money was applied to interest. I will provide a copy of the check I sent and you will see that it does n't even show on my account history. I want some justice. I have been done wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
i submitted a loan modification to the select loan servicing because i do n't know who the lender is, anyway the request was received and the lender confirmed it a few months ago in which my documents were sent in by fax several times and there was someone assigned to the file, buti just received a sale notice posted on my door for a sale date on XX/XX/2015while my loan was in the process of a loan mod!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing , Inc mailed us a mortgage statement/coupon without any mortgage information on it other than their address, our property address and loan number. There is not even an amount or a date due on the form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I paid off my mortgage on XXXX XXXX, 2015 to Nationstar Mortgage. 
The lien release/Release of Mortgage/Satisfaction of Mortgage hasnot been recorded in the XXXX XXXX, Florida as ofXXXX XXXX, 2015. Florida statutes deadline to record is XXXX daysfrom the pay-off date for this matter. I have called to NationstarMortgage numerous times to resolve this issue with no success. 
The mortgage is under my wife, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
Provide me with proof of precious payoff, releases and truth in lending statement or release the lien on my house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage has told me 3 times over the phone that they would reverse a late fee charged to my account back in XXXX. Last XXXX, I was hit with a {$64.00} late fee because my electronic payment from my bank was delayed XXXX day due to a holiday weekend. Nationstar applied the additional principal I pay on my mortgage each month to the late fee until it was paid in full. I told Nationstar it was not fair to charge me a late fee because the bank was closed on a holiday. They told me in XXXX it would be reversed ( This was my first late payment since the account was opened in XXXX of 2013. My payments were all auto payments from my bank from the beginning. ) and as of today they have done nothing to reverse the charge. They keep stringing me along whenever I call or e-mail about the fee reversal I was told would be done telling me that they are reviewing the issue and will give me an answer the next month and they do n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc.
State: NY

Complaint narrative:
in XX/XX/XXXX, a company that no longer even has a website called XXXX Credit card services, address XXXX XXXX, XXXX, NY XXXX, called me and told me they would consolidate my credit card balance to a new card with a 0 % interest rate for the life of the card. they opened a new XXXX XXXX credit card for me without even moving the balance over and it was a credit card that had a 0 % interest rate for the first year and that 's it. they charged {$720.00} for this and after i realized they never completed any service besides opening a new card for me that i could have done on my own and lied about a 0 % interest rate for the life of the balance, i got in touch with the XXXX and FTC where it was finalized that i did not owe anything to them in XX/XX/XXXX while on my honeymoon XX/XX/XXXX, i got a call from XXXX called CIB collectors saying that carenet has pushed my information to them for their unpaid amount of {$720.00}. The individual Named XXXX was extremely unprofessional while I trying to explain that this had been taken care of three years ago and he kept interrupting me and saying that it isnt taken care of. I want to file a complaint and have this taken care of once and for all. I do n't understand why it has been resurfaced after 3 years after I took the right actions to end this years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank acquired mortgage in XXXX 2014 from XXXX. To date there have been XXXX separate errors on PNC 's part to process payments on this mortgage despite electronic transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc.
State: OH

Complaint narrative:
I have received XXXX calls over the last year concerning XXXX people who i am not associated with and do not know. Although I have asked these companies to STOP calling here and to remove my number from their records, they have not. They are continuing with this pursuit no matter what i do. I am also on the do not call list since 2013 ( XXXX ) I have reported these companies over and over again but the calls continue under different names ... sometimes private numbers all in pursuit of XXXX and XXXX. I need help to stop this invasion. I consider this Harrassment and want it to stop. I also want them penalized for the Harrassment and continues to this day. As a matter of fact today i got another call which i reported to do not call. My evidence lies in all the complaints over the last year to do not call You may contact them and check my story

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
This is regarding my previous case number : XXXX. 
Please refer to the attached letter from PNC I received yesterday. Honestly this harassment has to stop!!!!! PNC had agreed to closed the escrow account they forced on me the moment I applied for a loan modification. I rejected their dumbfound offer for a modification over the phone and in writing, during this time they told me the escrow would be removed once this escrow was up to date, which I paid XX/XX/XXXX. Aside from suing this company for harassment and discrimination can you please suggest any other step I should take?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC Bank wants to charge me {$25.00} for closing my online bank account because I do n't like their services. Can they do that? Not letting withdraw below a certain balance, or charge me a fee. Not let me close my account or charge me a fee. This just seems wrong. I have not enrolled in any type of bonus/promotion offer from them where it seems like these large fees should be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MFG Financial, Inc.
State: IL

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: PA

Complaint narrative:
We have received numerous calls from IC Systems saying they are trying to collect a debt and they need more information from me ( date of birth, social security #, or home address ). IC Systems has never sent me a bill. They would like me to pay over the phone. The amount owed is {$88.00} and was for an XXXX performed on XXXX XXXX, XX/XX/2015. I did have an XXXX on XXXX/XXXX/XX/XX/2015 at XXXX XXXX XXXX XXXX. I called XXXX XXXX. XXXX XXXX said that I do not owe that amount. I have not received a bill yet from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Alliance One, Inc.
State: MO

Complaint narrative:
Alliance One has been contacting my work numerous times after both verbal and written instructions that this is a violation of my workplace policy. They have ignored these requests and have placed my current job in jeopardy with this repeated harassment. They will not respond to what the nature of the calls are about after numerous requests to do so. I have student loans and am paying on these so I am a little uncertain as to what these calls are in regards to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I went to the PNC branch in XXXX, MD to get a debit card and debit card only. I specifically told the manager that I do n't want credit card. He assured me that he is only requesting a debit card to be sent to me. After a couple of weeks I received the debit card as I requested. But then I also received a notice that a credit enquiry was performed PNC sent me a credit card as well. Since then they have been pressuring me to activate the card, which I did not and I am not going to.

Company response to consumer: Closed
Consumer complaint received 2016-02-01 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I had a grandfathered fixed rate card who I established with National City back in XXXX. My rate by PNC was just increased and they said it was due to the prime rate increase and would not listen to me that I had a fixed rate card. PNC is actively engaging in consumer fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
BMW financial reported on our credit report that payments were not made for a 60 day period for my auto loan during the time I had a lease on a XXXX XXXX. This particular car was in the repair shop for over 8 weeks total over the time of the 3 year lease - the late payment that is being reported on both my wife and my credit report was during the period the dealership that sold me car said they are trying to get this car lemon under the lemon law of the state of Florida. Previously to this situation all payments to bmw financial were always made on time. The dealership told me they were actively trying to get the car fixed or replaced in a timely manner since my situation fits the criteria to have a new car so I held my payments with the anticipation that it was going to be done like the said and it would be quick. They also recommended that if I called XXXX XXXX and let know my concerns maybe they would help move the progress along. I wrote to the CEO directly and called bmw financial and explain my situation. I told them that I am holding my payments per the dealership because that may help them move on get the situation corrected - I trusted the dealership because I had bought XXXX cars from them before and believed that they would get this corrected. however, that did not happen I did not get the car replace but what XXXX did was to give XXXX or XXXX payment back for the time for the time I did not have use of my vehicle but that being said they still marked my credit report for delinquent payment even though we were trying to work out this situation. I have written to the credit bureau to get this resolved but it has not been corrected - the loan has been closed but both my wife and my credit report has been adversely affected for no fault of our own. XXXX acknowledge it was their problem but I am being hurt because no one communicated with bmw financial. Prior to this situation we did not have any late payments to bmw what so ever but now its adversely effecting my ability to gain credit.

Company response to consumer: Closed with explanation