vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-10 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:
When we opened our accounts with BB & T, we chose to opt out of overdraft protection. On XXXX/XXXX/15, we had XXXX in our account, not enough funds to cover a purchase made to XXXX. BB & T paid for the purchase and charged us an overdraft fee. The charge should have been declined. 

The purchase was paid with the wrong card on file at XXXX. 

BB & T reorders transactions, paying checks last in order to maximize overdraft fees. This system renders the opt out for payment of debit card transaction useless to the consumer. If checks were paid XXXX or in order, then BB & T would have to decline ACH and debit transactions for lack of funds and the consumer would avoid overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
I tried to contact my bank about the new loans that help with payment shock. Nation Star has failed to answer my question. What I do get is loan officer 's that say they are n't sure about that program but they will refinance me. In fact, Payment Shock Refinancing was listed Under Frank Dodd as an option that banks could use for refinances under the new ATR rule. I have emailed and called several times, starting with the XXXX email on XX/XX/XXXX, then continued to email them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This does n't include the phone calls I have made with the promise to look into the question and get back with me. 
The wrote me back and said that payment shock was an industry term and they did n't know what I was talking about. When I cut and pasted exactly what was in the guidelines they said it would take 30 days to get back with an answer for me. I wrote them well after 30days and they said they were sorry and that they were having a loan officer call me. They still did n't answer my question on if they do this type of loan. I had spoke with several loan officers and they did n't know what I was talking about. I have never received an email or a letter in regard to my question but I have gotten calls to just do a straight refinance, which does n't help me. I need the payment shock refinance as my income last year was lower and I do n't qualify. Plus, I read that under this rule the banks have the option of giving me the same rate and terms as an A+ borrower. 
Nation Star Mortgage is my bank and they have given me no help or guidance and my loan is getting ready to reset and I am afraid what the rate will jump to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am a veteran and am currently in foreclosure. I had to quit my job as I was not able to get my XXXX due to medical reasons. I then moved to California to get assistance in obtaining employment. My income was now minimum wage, then my XXXX took a spin for the worse and now I am doing XXXX three times a week. I now have no income and now I am going to lose my home. I have not been offered any assistance in keeping my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage bought my home loan and then hounded me to refinance at an lower rate for a modest loan fee, until I agreed to start the process. Over the next XXXX months, they raised the rate after it was locked in many times, until it was no longer attractive, when they simply stopped contacting me. I have a huge number of documents about my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I submitted a contract in XXXX 2015 to purchase a new construction home. Shortly thereafter, my financing was approved. I am scheduled to close on my home on XXXX XXXX, however, when my mortgage company needed to recheck my credit last week, they found that the automobile loan that I had co-signed for was 3-months past due. However, the lender never contacted me when the loan was 1-month past due when I am the co-signer/owner of that vehicle. This issue could have been resolved without this damaging my credit and lowering my credit score prior to closing on my new home as a first-time homebuyer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
A XXXX XXXX was repossessed by Regional Acceptance Corporation on XX/XX/2017 & I called Regional to see where the vehicle was towed to so I could recover my personal property & tag from the vehicle asap & they claimed they did n't know where it was & I know that 's a lie.

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 2015-07-14 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 repeatedly failed to pay my homeowners insurance and when notified of the cancellation, tried to initiate a lender-placed policy on my home. I have repeatedly asked that the escrow be removed from the account and they refuse to do so, claiming that the escrow is a requirement, since this is a federally-backed loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My original loan servicer Aurora XXXX settle their wrongful behavior and the damage to families had been done. My current Mortgage servicer, NationStar has increased my interest rate to 4 %. My loan modification says my payment should be about {$2900.00}. It is more like {$3900.00}, which is back to why I needed the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have had a mortgage with XXXX and with SPS Loan Servicing Inc since XX/XX/XXXX 
I had a complaint which I submitted to CFPB in XX/XX/XXXX which was never resolved. 
I signed a Mortgage Modification with XXXX in XX/XX/XXXX and then subsequently with SPS Loan Servicing in XX/XX/XXXX. I have stated to the mortgage holders that my signing modification documents would not alter my claim against XXXX and this claim was initiated before I signed any modification agreement with XXXX and subsequently SPS. 
I am disputing any arrearages that SPS is now claiming from me because they have not addressed my past claim against XXXX. Please see enclosed letter dated XX/XX/XXXX wherein I have stated that XXXX capitalized our mortgage balance by {$170000.00} since XX/XX/XXXX which outlines the basis of my claim. My past claim number with CFPB was XXXX and it was not resolved with XXXX. I have substantiated these amounts with bank statements and escrow statements from XXXX and submitted them to XXXX. It was my understanding that XXXX submitted the documents to SPS when SPS assumed loan servicing of my loan in XX/XX/XXXX. According to my records, XXXX and SPS owed my mortgage account the amount of {$100000.00} for capitalization of erroneous amounts from payments not credited, excessive interest charged, and excessive escrow charges to the account. 
I have another dispute with SPS in that they have sent me a Cancellation of Debt Notice for {$210000.00} for the year XX/XX/XXXX. I have received a letter from SPS regarding XXXX on my loan for which I did not qualify and for which SPS granted the amount of {$71000.00} and not {$210000.00}. I have requested them to correct the debt forgiveness amount and so far I have no cooperation from them. 
Please see enclosed documents substantiating my claim against SPS. 
They have been submitted to your office in the form of a scan. 
I am requesting SPS to immediately correct the debt forgiveness form and to credit my mortgage account with the amount I am claiming since XX/XX/XXXX when I first contacted XXXX regarding this matter. My former CFPB claim number was # XXXX. 
Respectfully submitted, 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 2016-12-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
We were approved for a modification on XXXX/XXXX/2016 pending XXXX trial payments beginning XXXX XXXX, 2016. We made those payments and have made XXXX more monthly payments. On XXXX/XXXX/2016, I was told that I should have received the documents for the final modification 30 days after they received the last document, which was received on XXXX/XXXX/2016. On XXXX/XXXX/2016, the website showed that the Property appraisal was received. On XXXX/XXXX/16 I was told that they were working on final terms and we should receive a package any day. On XXXX/XXXX/16 we received a letter that SPS was waiting for information from a third party to complete the review. The letter stated that they received that information and they should be able to complete the review in 30 days. As of today, the file is still pending.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a mortgage with nationstar. last year, they ( greenlight loans ) pestered me to refinance. they do this by first emailing you, then sending letters, then calling. i wanted to refinance so i began the process. ultimately, they promised a rate lock of 4.125 %, but it slid up to 4.375 % based on ltv ratio and subjective interpretation of fico scores. eventually they denied my application, even while i still have a loan with i think what is their parent company. 

it started all over again this year, about the same time. ultimately, now all paperwork is completed except they are waiting for a subordination agreement with XXXX who holds a second. this waiting has been since late XXXX or XXXX XXXX when i challenged them to push XXXX to get it done, they said their protocol is not to pester lienholders. i bought down from XXXX to XXXX with about XXXX point, or $ XXXX. the rate lock agreement expires XXXX XXXX what i see now is that most likely they are waiting for the agreement to expire and then raise the rate. this sounds like a scam to me to suck you in early on and then jump the rate when you are exhausted and tired of waiting. i could have gone with a legitimate firm had i realized what was going on. i would really like you to investigate these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I filed a previous complaint Case number : XXXX related to NationStar Mortgage posting hard copy unauthorized credit inquiries on XX/XX/XXXX that to date still have not been removed. I filed a Dispute to their letter dated XX/XX/XXXX that was very dishonest in the way it was written with a story line made for a XXXX sitcom. To date XX/XX/XXXX the unauthorized credit inquiries still remain on my wife 's and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: C & M Associates Group, Inc.
State: ID

Complaint narrative:
Co called and left a message about Check has been returned. 
so called back and she said- No it is about XXXX credit card Balance. ( they have my Social numbers and name and everything ) .and also she said I have been sued for this balance on Threatening tone of voice. I told them I filed " bankruptcy ''. she said well I do n't know ... ma'am ma'am ma'am..have nice day and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
In XXXX I was enrolled in XXXX XXXX XXXX and seeking to attend a trade school in Georgia in the XXXX. The school was XXXX XXXX 's XXXX XXXX, which appears to no longer be in business. It lacked a useable school code as they were not a college or university. I sought financing through Sallie Mae as was advised to me. Due to the lack of XXXX XXXX, Sallie Mae had informed me that I should use the XXXX XXXX for the XXXX XXXX I had been attending, even though I would not be enrolled there in the spring of XXXX. Being XXXX XXXX XXXX, and believing I was being offered real help, I took their advice. Sallie Mae encouraged me to take their money and spend it elsewhere. Following my completion of the technical training I received in Georgia, that institution was unable to offer me options for job placement assistance. Upon seeking employment independently I found I was under qualified. I have not been employed full time in the field I studied. As well, since XXXX I have experienced several financial difficulties, and was encouraged by Sallie Mae to put my loan in to deferment and/or forbearance each time. While I was informed that forbearances were limited, I was never informed by Sallie Mae that should I find myself unemployed ( as is my current situation ) that there is no help they can offer me. Essentially I received a predatory loan from a company that was willing to let my account collect interest, forbearance fees and not encourage payments, and refuses to offer assistance to the unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 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:
I had been checking balances for XXXX of my checking accounts with BB & T and was charged XXXX over draft fees when there was still money in my account. After speaking with customer support and a branch manager, they were unable to describe to me the nature of the over-draft fees and why the math for these fees did not add up to the amount that is now posted in my account.

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 2016-06-21 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
RE : previous complaint # XXXX 1. This Complaint is filed pursuant XXXX - Unfair Practices, and is directed specifically at non-compliance by XXXX. and Select Portfolio Servicing Inc. hereafter SPS Inc.. 

2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to XXXX. and SPS Inc. on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, XXXX. and SPS Inc. failed to immediately stop all collection actions as required by FDCPA statute. 

3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by XXXX. at the request of SPS Inc. See EXHIBIT-A. 

4. Please be advised that XXXX. and SPS Inc. is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 

5. XXXX. and SPS after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 

6. XXXX and SPS, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX Mail to take action that can not legally be taken. 

Conculsion I now ask this agency to issue an administrative DEMAND, compelling SPS Inc. and XXXX to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Keeps calling my personal cell phone, but when I answer they hang up on me. I called back and it 's Nationstar attempting to collect a debt or loan, however, I have no account with them nor do I have anything negative going on financially. She asked me for my social security number and I refused. She then asked for the last XXXX digits and zip code so I gave her that. She said my account was invalid and to provide the proper info. I told her I have no account which is why I am calling and asked her to remove my number from the call list. She said she ca n't do that until she pulls up my account. I asked to speak to a supervisor numerous times and that I do not have an account and she just kept saying the information I gave her was invalid then she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC
State: GA

Complaint narrative:
My husband and I applied for a loan while we were in a very though spot -- ha had been laid off and we needed to pay our car while he was between jobs Green Trust Cash XXXX XXXX XXXX, MT XXXX Customer Service at Green Trust Cash Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E mail : XXXXXXXXXXXX Approved us for a loan. the interest rate was at about 150 % which we were not aware of at the time. We thought we would be able to pay it back quickly. We have been paying faithfully since XXXX/XXXX/2015 and still have almost the same mount due ( we have paid a total of XXXX for a loan of XXXX and still have a payoff amount of {$400.00} as of today )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: E. A. Uffman & Associates, Inc
State: CA

Complaint narrative:
I had Medicaid, which paid all of the medical bills XXXX % after a XXXX, including XXXX and XXXX. 

I notified XXXX XXXX XXXX XXXX of their billing error in writing and also by telephone, both times providing my medicaid number. 

However, XXXX XXXX XXXX XXXX sent {$110.00} to collections anyway, even though Medicaid had already paid all of their previous submissions for XXXX reimbursements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
As someone who was doing research on FHA loans for a mortgage I was required to put some basic info in the FHA website to see details. After I had done so I started getting calls and email from people even though I already had a lender lined up. After being contacted by XXXX XXXX from Quicken loans I right away looked up info on them. I replied to her emails saying I was n't interested in working with them and thanked them for the time. After which they sent me more info to try to get me to push forwards with them. I sent her another email saying no. Further to the point her phone number was a dead end and did n't even have a voice mail. About a 1 1/2 weeks later I get a letter in the mail saying they denied me, I never even applied and for all I know they ran my credit, I gave them no permission to do this. Needless to say they are very unprofessional, they lie, and this kinda thing should be illegal. I get it they do n't care how they affect people but buying a home is no small matter and this is just bad business.

Company response to consumer: Closed with explanation