vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX my sister XXXX and I went into BB & T bank to close acct # XXXX and establish account # XXXX post haste because I no longer wanted XXXX XXXX XXXX to have access to my bank accounts or have any authorization to act on my behalf to financial manipulation and improprieties done against my account. She was placed there when I became ill and was hospitalized and abused power and responsibility and her refusal to even return my property and even debit card to my account warranted establishing a new account. We met with XXXX XXXX and established the new account and informed her of importance of expediting this matter as my {$1700.00} social security direct deposit was scheduled for XXXX XXXX, 2016 would hit the old account but the bank could reroute to the new account. 

She told us and promised it would be completed by Monday XXXX/XXXX/2016 and to call her to make sure that happened on that day. My sister XXXX did and left a voicemail on her phone of which she acknowledged that she did receive. However XXXX XXXX neglected to closed the account or place safegaurds on the old account to prevent further financial manipulation by XXXX XXXX as a result XXXX authorized a webpay {$700.00} against the account on XXXX/XXXX/2016 that hit my account place it in overdraft the BB & T accessed a overdraft fee, then she went into a branch and withdrew {$500.00} against my social security direct deposit on XXXX/XXXX/2016. To date I only received {$470.00} of my {$1700.00} and BB & T have refused to return the balance of {$1200.00} from my social security deposit to me. I am a senior citerzen on fixed income and I have other finanical obligation I need to attend to and I have called several times XXXX and 4 times a day and my calls are not being returned and XXXX XXXX is no longer communicating on the status to refund my money to 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 2016-08-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short sale was started on XXXX/XXXX/XXXX. SPS spent 3 months using purposeful miscommunication and 'misplacing ' documents as a way to delay decisioning on the file in an attempt to defraud their investor in order to collect their 'double-fee ' for servicing a defaulted loan. 

On XXXX we were told the value came back at XXXX and refused to give a counter amount. 

On XXXX we sent a counter offer and contractor bids for the value dispute. 

On XXXX SPS decided they will no longer accept contractor bids for the value dispute and they require a BPO or appraisal for value disputes. 

SPS then started their second round of delaying tactics - purposeful miscommunication and 'misplacing ' documents. Requesting XXXX version of a form, and then the next week requiring something different. They also started requesting documents that had been sent to them over 4 months prior. 

These delay tactics have been going on for FOUR MONTHS. 
Today, we found out that the file was closed out on XXXX/XXXX/XXXX. NO ONE INFORMED US WHEN WE TALKED TO THEM ON XXXX/XXXX/XXXX. 

This is nothing but gross incompetence and delay tactics on SPS 's part.

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: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: ID

Complaint narrative:
Quicken loans ( XXXX ) refused to provide a loan estimate when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I am moving to XXXX in two weeks, so I need to fix up my townhouse to either sell or rent it out by XX/XX/XXXX. I have XXXX mortgages, XXXX and XXXX. So, I decided to combine the XXXX and refinance. So, I went to Quicken loans online to get pre-approved and then contacted a finacial person. He looked up my score and said he ca n't give me the loan because I dont have a score of XXXX according to the FICO XXXX they are using. They were seeing XXXX, XXXX and XXXX. But my FICO XXXX and XXXX Score for mortgages according to XXXX ( I subscribe to ) is FICO XXXX : XXXX, XXXX, XXXX - XXXX XXXX : XXXX, XXXX and XXXX not matching what they see. Something is wrong, I have the right to see excactly what the lenders are seeing. I need the extra money to fix up my place and this combined 15 year mortgage 2.75 % would put about a {$1000.00} in my pocket, thus freeing money to pay down on my debts in large amounts and quickly. Right now my first mortgage is {$1000.00} without taxes and insurance which I pay on my own and the second is XXXX a month, so that is {$2200.00} a mnth. Note : one is bank and the other is a credit union. I always paid my mortgage on time, no late payments. In fact the XXXX mortgage is taken right out of my paycheck biweekly.

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

Complaint narrative:
The most recent date for the change in interest rate on our mortgage was XXXX XXXX, XXXX. Nationstar did not send the disclosures required by 12 C.F.R. 1026.20 ( c ) prior to the change in interest rates. Nationstar has not sent us monthly mortgage statements in 14 of the 36 months since taking over servicing on the loan on XXXX XXXX, XXXX. Nationstar did not send mortgage statements for the months XXXX XXXX through XXXX XXXX and then sent statements in XXXX and XXXX of XXXX. The XXXX and XXXX Statements have conflicting information concerning the interest rate on the loan and the monthly payment amount, plus unexplained fees. The XXXX Statement shows a interest rate of 3.00 % through XXXX/XXXX/XXXX and a monthly payment of {$1900.00}. The XXXX Statement shows an interest rate of 3.50 % through XXXX/XXXX/XXXX and a monthly payment of {$1500.00}. In XXXX Nationstar did not provide the disclosures on the loan regarding the first change in interest rate on the loan required by 12 C.F.R. 1026.20 ( d ). All totaled, in the three years Nationstar has serviced our loan they have not provided 14 monthly Statements and two required disclosures concerning interest rate changes. Even after multiple requests, Nationstar has also failed to provide a copy of the Note with any modifications thereto as required by California Civil Code section 2943 ( b ) ( 1 ). Despite previously filing multiple complaints with the CFPB and the California Department of Business Oversight, Nationstar continues with its scofflaw ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My Mom did a reverse mortgage and she just passed XX/XX/2015 now the reverse Mortgage company Champions is not giving me time to get the proper documents in order to buy back home, I ask for an extension. Its only been a month I do n't even have a death certificate yet. The will has not been probated. My god these people are very insensitiveto helping us to keep home. They just want to foreclosure do n't they need a death certificate to prove a person is deceased. And give the family time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I had a mortgage with Nationstar Mortgage that I refinanced with another lender on XXXX XXXX. Nationstar managed an escrow account for this mortgage, but has failed to return its balance to me. I 've called the company at least three times, most recently today, to understand what is going on without success. 
I 've spent hours on the phone with Nationstar only to receive inconsistent responses, making me question whether Nationstar intends to refund the escrow in a timely manner. Nationstar representatives claim that they used the escrow to pay taxes due to XXXX XXXX ( FL ) in XXXX. However, representatives at the county tax office as recently as today ( XXXX ) indicate that they have not received this payment ; they have, however, received the property taxes sent by my current mortgage servicer. 
Nationstar insists that it sent the payment on XXXX and that XXXX received it on XXXX XXXX and that XXXX will ultimately refund the money to Nationstar, which will then return it to me but without any proof of this story. Nationstar will not provide any documentation to prove that XXXX has the money and given XXXX 's denial, I have no reason to believe that Nationstar paid the taxes to XXXX in the first place. Nationstar tells me this will take weeks to months to clear up which I believe is unacceptable. The money should have been refunded to me immediately upon paying their mortgage in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar is reporting and collecting to collect wrong amounts on Loan XXXX that was loan XXXX transferred from XXXX XXXX XXXX for servicing. 

The loan amount that was due at transfer was XXXX. 

Nationstar needs to delete the credit line from my credit report because there should be no collection activity on a loan that was closed on XX/XX/XXXX be the predecessor, XXXX XXXX XXXX, and reflects a zero balance. 

I 've attached the most recent update from XXXX XXXX XXXX referencing loan number on XXXX XXXX, 2016. The XXXX updates the aforementioned loan 's status. 

Nationstar need to correct the XXXX, XXXX, and XXXX report to reflect the same data as their predecessor, XXXX XXXX XXXX. 

There has been no activity on the account since the transfer to Nationstar ( ie no payments or payment agreements ). 

I am communicating via the CFPB because Nationstar 's collection Law firm ( XXXX XXXX XXXX ) will not return my calls. Therefore, communicating via the CFPB seems to be the most effective.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: U.S. Auto Sales Inc.
State: FL

Complaint narrative:
I 'm a victim of identity theft and the company reporting this account is not complying with the FCRA. They have not removed the account or provided any documentation to prove this even belongs to me. US AUTO FINANCE account # XXXX. They are apparently based XXXX, and I live XXXX! I do n't care whether they repo the car or put out an XXXX on the plate # s! I do n't have this car, I did n't open the account, I was never in that dealership, it does n't belong to me! At least XXXX people ( salesman, finance manager and title clerk ) saw the person with the ID and had to have noticed that it was n't me! My car had been broken into years ago and everything was stolen from my car. I did originally make a police report in regards to my vehicle theft. This account needs to be closed and removed from my credit file 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 2016-06-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AR Resources, Inc.
State: CA

Complaint narrative:
For about 2 years, XXXX XXXX XXXX has been billing my insurance provider, XXXX, rather than my insurance group, XXXX XXXX XXXX. This has been pointed XXXX XXXX continuously over the past 2 years. They have now put me in collections because they do n't understand how to bill properly. This has ruined my credit. They do n't pick up the phone, so I have no way to even speak to someone. XXXX XXXX. If anyone else is having this same experience, let 's start a class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I just got off the phone after being put on hold for over an hour with Nationstar Mortgage. My simple question is what is my current amount due with my next payment scheduled on XXXX/XXXX/XXXX. No one could tell me this information as they stated my escrow amounts have changed twice between XXXX XXXX and XXXX XXXX. Now I 'm in a situation where I do n't know what amounts are due for my next payment. This lack of clarity of their own process has created an extremely poor customer experience on my end and leaves me with zero confidence that the terms and calculations of my account are being clearly and simply communicated. It also brings into queston my assumption of several gaps in their processes as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
I write this letter with the hope that someone in your agency may be helpful to assist me/us in the resolution of a longstanding issue we 've been experiencing while in the process of negotiating a short sale on behalf of Mr. Realtor 's client : Homeowner Mr . Homeowner is a diplomat with the XXXX government. XX/XX/XXXX Mr . Homeowner was forced to relocate his family to XXXX on assignment to fulfill his Consulate duties. Since the above mentioned property 's value was considerably less than the current market he hired Mr. Realtor XX/XX/XXXX to proceed with a short sale. A complete short sale package was submitted to the 1st lienholder ( SPS ) XX/XX/XXXX. 
Mr. Realtor proceeded with marketing the property for sale via the local *REALTOR 's Multiple Listing Service ( MLS ). 
During the period between : XX/XX/XXXX - XX/XX/XXXX Mr. Realtor procured three separate buyers through his marketing efforts. Each buyer canceled as a result of an inordinate amount of time waiting for this transaction to be granted an approval by the 1st lienholder ( SPS ). The reasons for the delays were varied - from the net proceeds being insufficient, documents required to be updated to Broker Price Opinions ( BPOs ) expiring due to the lengthy process. Finally, after procuring the third buyer an approval was granted - XX/XX/XXXX. By this time the buyer in question was forced to cancel because he could n't afford to wait any longer as his living conditions were temporary and he needed to renew a lease. The property was subsequently returned to the MLS and another buyer was procured as a result. 
By this time since the seller 's net proceed was known in accordance with the approval granted with the previous buyer - Mr. Realtor saw no reason why a subsequent approval would n't be expedited as identical terms were negotiated to protect the net proceed amount required by the lienholder ( s ). 
Until today SPS has not provided us with an approval giving the most unreasonable excuses. It appears that SPS has not trained their employees properly when it comes to loss mitigation guidelines and procedures specially for the State of NV. 
Therefore, I 'm reaching out to your agency for help since we have done everything within our ability over the last twenty two months to complete this short sale - procuring four separate buyers - providing all the required documentation - only to discover SPS failure to perform in accordance with loss mitigation guidelines that are in place for the state of Nevada. We believe Mr . Homeowner 's consumer rights have been violated. SPS has made this client feel unprotected by this unfortunate situation. The homeowner " Mr . Homeowner '' is in distress as he is a foreign diplomat who is obviously concerned about having a foreclosure on his record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Atlantic Recovery Solutions LLC
State: MD

Complaint narrative:
I do n't know what I owe this guy but keep calling threaten and now start calling my wife and my sister 's cell phone which they are nothing to do with my any debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
BB & T MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My deceased father 's XXXX XXXX home may be going into foreclosure due to XXXX Loan fraud. On XXXX/XXXX/XXXX XXXX XXXX mortgage lender ( out of business as of XXXX ) had a phone interview with my father. There was no XXXX Counseling certificate and no loan application singed by the deceased homeowner. On XXXX/XXXX/XXXX an appraisal was done on the property. According to the Hud FHA guidelines nothing can be processed until the homeowner has counseling and the certificate is signed by the homeowner and counselor. FHA requires a case binder for XXXX loans during the lifetime of the loan. At this time, I am requesting any documents pertaining to XXXX XXXX XXXX LOAN. Please note, the loan was transferred to XXXX XXXX XXXX on XXXX/XXXX/XXXX, whom was found liable due to mortgage fraud. Then on on XXXX/XXXX/XXXX the loan was transferred to Nationstar which is now being investigated by NEW YORK STATE Department of Financial Services due to improper fees, mortgage modification and lost paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
There is an account which I have disputed and it is unknown to me and appears to be very old. I have tried to get this removed off of my credit file with no luck or validation provided. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
NationStar Mortgage , LLC, bought out my mortgage from my previous lender in XXXX 2015 and in the process changed billing information on the account without my authorization, including setting up an impound account ( Escrow account ) and changing themselves to the billing recipient and payee of my homeowners insurance policy. When the renewal came due, I was not notified and instead Nationstar paid this on my behalf. Three months later, and without any form of notification, Nationstar is now covering this cost in my billing, with additional fees and an expectation that I will be paying another couple hundred dollars to pad the escrow account I never authorized. Every representative I 've called has told me something different and I 've spent at least 6 hours on the phone with them. I 'm not the first customer to complain about having to jump through hoops and their lack of communication and account manipulation ( look at their XXXX page ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I have requested several times to have PMI removed off of this loan. My LTV is below the requirement and they refuse to remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I applied to Quicken Loans for a HARP LOAN. 
The self assertive " Loan Expert '' kept insisting I was not eligible for this loan. 
I explained that I was already " Approved '' for this loan. I mentioned XXXX Bank and was looking for a lower rate. She assured me this was not possible and perhaps these " other loan officers '' were not " honest ''. " She was an Expert '' and knew about eligibility, however, if I sent the paperwork over to her she would be good enough to " review '' their info and inform me of the error. 

It was a good thing I did NOT go along with her " Expert Opinion ''. 
I got a HARP loan for the house XXXX. 
( NOTE : 2 banks approved this loan!!!!. ) It closed in a little over four weeks at an interest rate that was much better than the former rate. 

I wonder how many thousands of people Quicken Loans and XXXX, phone # XXXX XXXX XXXX ( The Expert ) have turned away from this valuable Federal program. 

It is a shame that these people are turning consumers away from this program claiming to be " EXPERTS '' in the field and literally telling people that their data is incorrect and they do NOT qualify for a program when they know darn well they do. 

The " EXPERTS '' what would we do without them???? 
Please look into this. 
I will be reporting it to other agencies. This must be a violation of Federal Law. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I am in a HAMP and just received my first escrow analysis in 4.5 years. It has raised my payment by {$330.00} a month. I feel that I should have been notified yearly to any shortages and allowed to stay current with a small increase and not hit with a huge increase all at once. I entered a HAMP so I could stay current on my home and feel I was lied to by the company not notifying me of the yearly increases which were not large, but after 4.5 years have added up to an unfair increase. Also, I feel they never put the proper amount into Escrow to start.

Company response to consumer: Closed with explanation