vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been attempting to get a loan modification from Select Portfolio Services for 9 months. They have continually delayed this process by asking for the same items over and over again. 
In the last 2 months they have set a sale date of my home in violation of California and Federal law specifically the dual tracking law as a part of the homeowner bill of rights.

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: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION
State: AL

Complaint narrative:
BB & T offers through their new U by BBT app BB & T deals. I have activated and used many of these deals without any trouble. I just activate the deal in the app, make a purchase with my BBT checkcard, and then it shows up as a pending reward to be deposited into our checking account. The are then deposited the following month. In XXXX of this year, BBT had a deal for 10 % back on stays at XXXX XXXX when paid using your BBT checkcard. I booked a stay at the XXXX XXXX in XXXX, AL, through the link in the U deal offer. The offer also says you must be a member of XXXX XXXX, which I am. Travel was to be completed by XXXX XXXX, which it was. The purchase was paid with our BBT checkcard, and posted under the item " XXXX XXXX XXXX '' on XXXX for {$280.00}. This would mean a deal valued at {$28.00} which we should have recieved from BBT. I waited and it did not show as a pending reward, which I thought may have to do with the fact that travel is completed by XXXX XXXX. So, I waited until after this date and still no pending reward shown. Thus, I reached out to BBT. I work for a competing bank which offers a similiar program and I know that when this occurrs a customer can contact the bank and have the item researched and manually applied if applicable. In fact, based on the deals seen, I think BBT may utilize the same third party for the deals program that my employer uses. I called the customer service line and I was told I had to contact XXXX directly, because they are responsible for paying the reward. I knew immediately this was incorrect however I called XXXX and they had no idea what I was talking about. I also emailed BBT customer service several times and after a lengthy delay got a response basically telling me to call customer service. I then called the local branch in XXXX, AL, and spoke with XXXX who told me he was going to research the issue and get back to me. A few weeks passed and I heard nothing, so I called him back and he told me he did not know anything about the deals program but that he had escalated the issue and I would be getting a call from BBT corporate on the issue. I never heard back from BBT corporate. I then got another reply to a previously sent email communication to BBT which indicated I should call BBT online technical customer service, which I did. At first, the agent also did not know what to do, but eventually told me she was escalating the issue and I would hear back in 48 hours. That has been a month now and still no calls back from BBT corporate or cash rewards. Thus, I am left with no choice but to now turn to CFPB as it seems like no one at BBT knows how the deals program works or how to research a missing credit which I am due.

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 2016-10-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
There are THOUSANDS OF COMPLAINT 'S FOR ( NATIONSTAR ) MORTGAGE? / DEBT COLLECTOR XXXXLOOK this UP Avoid being CHEATED OUT OF YOUR HOME BEFORE IT 'S TOO LATE Fraud the scam is REAL, It 's happing Know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I feel like I was financially damaged by Quicken Loans in Michigan. I told them before the loan was approved that I was on a fixed income and could afford no more than {$550.00} a month in payments. It is an FHA loan and the payments were calculated to be {$510.00} a month. I added the additional to pay down the principal and have paid $ XXXX/mo consistently, never late. Here recently, I received a notice from Quicken that they had miscalculated my escrows, not by a few dollars, but by more than {$1000.00} per year. That made my mortgage payments go up to an unaffordable $ XXXX per month, and then an unaffordable $ XXXX per month after I had to borrow the money to make up for the missing escrows due to their error. This is more than {$100.00} more than I told them I could pay from the start. Had they done the escrows right by HUD regulations, I could have turned down the loan or lowered the amount borrowed at least to make it more affordable. I am on XXXX and ca n't afford those payments and they have substantially jeopardized my ability to keep my home because of the calculation error, and upped the payments more than {$40000.00} over the life of the loan. I informed them that my taxes were going to be around {$1400.00} a year after the homestead exemption was filed, and they based the tax escrows on those of the previous owner who was over XXXX and was only paying {$140.00} a year under a property tax freeze that I do not have. Also, he got an 80-percent reduction on the county school taxes because he is over XXXX, and that amount should NOT have been used to estimate my property taxes. They were supposed to use the amount I gave them and now it has substantially increased my mortgage payments beyond what I can afford on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
We applied for and were granted a loan modification because of financial hardship. We paid early and on time. Loan modification was denied before I could make last month 's payment. According to NationStar, we did not return signed documents. We never got the documents, and Nationstar has no proof that they either sent them or that we received them. They now say we owe them over {$3900.00} which we do not have. 
We did not receive any notification during any of this process that documents were missing. We also took part in XXXX program and NationStar was very hard to work with and said they had transmitted information to the program when they had not ; In addition, they transmitted the wrong payment amount. I have XXXX confidence that they do what they claim they have done. This appears to be some kind of scam in order to foreclose. We have been unable to get a decision making supervisor to contact us about this. We have been calling and emailing since XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XX/XX/XXXX SPS - Home Retention started prior to having home on market from XX/XX/XXXX unable to sell ( 96 days ) as of XX/XX/XXXX Present XX/XX/XXXX have been given the RUN AROUND NOW DUAL TRACKING AS TODAY XX/XX/XXXX WAS TOLD OUR HOME IS GIONG TO FORCLOSE XX/XX/XXXX BUT HAVE LOAN MODIFICATION/HOME RETENTION APPLICATION SINCE XX/XX/XXXX PLEASE ADVISE MY HUSBAND AND I HAVE FAXED OVER 20 TIMES ANY AND ALL DOCUMENTS THEY KEEP SAYING 30 DAYS TO REVIEW SINCE XX/XX/XXXX WE WANT TO KEEP OUR HOME OF 20 YEARS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This is follow up to my prior complaints ( XXXX and XXXX ). In my complaint XXXX I followed up on inappropriate delinquency reporting to credit bureaus for there specific months. Unfortunately, SPS is reporting inappropriately for additional months ... XXXX, XXXX, and XXXX XXXX. Let me be clear ... SPS should not be reporting any lates on either my first or second loan accounts with them ever. I want the three months referenced above and any others, corrected. I contacted XXXX at SPS ( as she was the one who sent the letter to me confirming correction of the credit reporting for XXXX XXXX, XXXX XXXX, and XXXX XXXX ) to address the additional months identified above ( XXXX - XXXX XXXX ) and left a message for her to return my call three weeks ago and have yet to hear from her, thus I am filing another complaint to resolve the matter. 

Regards, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
Select Portfolio Servicing has violated the Fair Review Process requiring servicers to review and respond to a request for modification within 30 days. Originally I submitted a compliant because Select Portfolio Servicing moved forward with foreclosure procedures after receiving a full file submission XX/XX/XXXX. The day after filing their response to the CFPB compliant I was decline a modification on or about XX/XX/XXXX. XX/XX/XXXX Select Portfolio Servicing decided to review my case again for possible modification and requested updated documentation, which was sent on XX/XX/XXXX via email, which they never responded to confirm receipt of documents, which is required. At that time I was told that now I qualified to be reviewed for HAMP and that 's why they were requesting additional documentation. On or about XX/XX/XXXX I called and confirmed the documents were received and submitted to underwriting for review. On XX/XX/XXXX, I called to check the status of the review and if my foreclosure sale scheduled for XX/XX/XXXX was postponed. I was told that they would not make that decision until XX/XX/XXXX. I then called on XX/XX/XXXX and the sale was still not postponed. When I followed up on XX/XX/XXXX I was told that the sale had been postponed to XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the status of my review and was told my request for modification was declined on XX/XX/XXXX and a decline letter was sent out on that day. It took Select Portfolio Servicing 40 days for them to review my request and I had to contact them to find out I was declined. Since I filed my first CFPB compliant the phone calls from my relationship manager ceased. 
For the XX/XX/XXXX decline I was told it was because I did n't meet the NPV guidelines. For the second decline I was told because I declined a HAMP modification in XX/XX/XXXX. However, upon review of the HAMP guidelines, I still meet eligibility to be reviewed again for HAMP. I did not default on the HAMP Trail by completing all three required payments and HAMP mod was not completed. There is not rule against declining the modification, which would have raised my monthly payment and set my interest rate higher than my current rate after 5 years. 
Select Portfolio Servicing has continued to lie to me, provide false and conflicting information and violated CFPB rules in regards to borrowers who are facing foreclosure. Due to this I am looking at filing a Chapter XXXX bankruptcy to save my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Quicken Loans advised me to remove a disputed account out of dispute and into active collections as it was my only option. Within in that time frame 2 days prior to closing Quicken pulled another Hard Inquiry on my credit report without my authorization and it caused my score to drop XXXX points below their acceptable score. This caused our down payment to increase by 1.5 % roughly {$3000.00}. They refuse to honor our original terms and down payment, they also refuse to provide my credit report as I am showing a different score than what they are reporting. We may possibly lose our home or it will cause our locked rate to be extended causing our interest rate to go up costing us a lot more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar is in violation of CA Homeowner of Bill of Rights and guilty of acting in bad faith for denying borrower their legal right to do a short sale when they countered the offer without giving buyer anytime to respond to the offer. They simply countered the offer and then closed out the request which is acting in bad faith in a real estate transaction as buyer must be given time to answer counter and illegal under the CAHBOR since they are denying short sale when they denied buyer their right to answer counter. 
Nationstar is also in violation of anti dual tracking CA laws for having a sale date on a property when borrower is seeking foreclosure alternative programs. Dual tracking is not limited to modification nor does CAHBOR state that a short sale must be " approved '' in order for dual tracking to be illegal. 
Finally Nationstar is on the record as lying stating seller cancelled short sale transaction immediately after buyer was countered that is a complete lie. Lender closed out short sale denying buyer their legal right to counter. Violation of Real Estate contract law. When Nationstar countered they entered into contractural negotiations.

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

Complaint narrative:
I applied for assistance for my mortgage with Nationstar and was denied for a loan modification on XXXX XXXX, 2015. The reason for the denial was due to an error in calculating my net income. I make tips and my tips are shown ( separately ) on my pay stubs apart from my base salary. Whom ever calculated my net income DID NOT count my tips which are also shown clearly on my pay stub. I appealed the denial from Nationstar by mailing in a written appeal via my attorney and it was confirmed received by Nationstar on XXXX XXXX, 2015. This was within the 30 day period in which I could appeal their obvious error. Nationstar never replied to me and upon having my attorney contact them today ( XXXX/XXXX/2015 ) they state my appeal was denied. My attorney asked them why no letter went out as a response to my appeal and the person who answered the phone simply refused to state why. My attorney advised me that this is common for Nationstar that they continually block people from review for assistance. They are now commonly NOT sending out the required responses and replying within the 30 day period required by law. I am very upset they did not reply to my appeal as they made an error that may cost me my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
my original bank was bought out by XXXX, no problems, Then BB & T bought out XXXX, Then the problems started, my original contract on my Line of credit overdraft protection, both other banks honered my original contract, If i over drew I would pay no fees, id pay back {$50.00} plus a few dollars interest, BB & T is chargeing me {$3600.00} dollars everytime, sometimes $ XXXX.I was never told this or was given any paperwork stateing such fees would be charged or incurred. 
I am a XXXX on fixed income, They have made my credit line max out from these fees, so now they are running up take started out as {$35000.00} missing out of my account, each month, Then it went up to {$750.00} missing out of my account, it is having a snow ball effect on my income. I cant afford my Morgage threw XXXX second morgage threw BB & T, in which that Home Equity was taken out in 2006 with the Original bank XXXX, Now I cant afford Food, I am going to loose my car, My home, and not be able to put food in my stomach. 
This is illegal practices and XXXX Abuse, I am asking you for your help in rectifing this matter, I am asking you to have them put ever fee they have charged me since they took over my bank from day one to present, If not I will be taking legal action against them and you if need be, Until all those fees are put back in my bank account, You are here for the consumer from fraudulent practices, and are paid by me and many taxpayers, we the consumer and the tax payers bailed the banks out for issueing undocumented loans fraudulant activities to begin with, now this is another scam by the banking industry to become predators against those same taxpayers that bailed them out, If I have to Right my Mayor, my congressman my senators and my President Donald J. Trump, if said money is not put back in my account, Looking forward to your help and cooperation in this matter,. 

Yours truly XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Home XXXX Cell XXXX BB & T bank is located XXXX XXXX XXXX XXXX NJ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
We lost our home in the XXXX 2015 flood. Because of the location of our home, NationStar placed us with insurance through XXXX XXXX XXXX XXXX ( XXXX ), Certain Underwriters at XXXX XXXX XXXX. The value of the policy is {$110000.00}. This exceeds the payoff amount, the actual property value and the amount of the mortgage loan. In XXXX, NationStar received a settlement from XXXX for approximately XXXX % of the policy value. Unfortunately, the home can not be repaired as described in the insurance settlement as it has been declared substantially damaged by XXXX County and must be elevated if we are to return to the home. I contacted an attorney and met with him on XXXX XXXX. On XXXX XXXX we received a letter fromt he law firm stating they would not be able to help us ; there was not additional explanation in the letter. I have asked XXXX on numerous occasions, both verbally and via email for a copy of our policy, for my appeal rights and for their grievance procedures. All requests have gone unanswered. I 'm afraid that our appeal rights have since expired and that waiting for an attorney may have cost us valuable time and opportunity to move forward. I have contacted my Representatives and Senators at the local and national levels with no headway. In fact, some people I 've spoken to have actually advised applying for bankruptcy or allowing the mortgage to default. These are not viable options in my opinion. The attached letter contains detailed information you may find helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
Our mortgage was with XXXX for several years. Payment was debited from our checking acct. never late on payments, never missed a payment.For unknown reasons XXXX XXXX XXXX sold a bunch of mortgages to Nation Star Mortgage Company located in XXXX. Prior to the mortgage being sold XXXX XXXX XXXX sent a letter stating there would be no change to our mortgage that the transfer would be transparent. From day XXXX we received numerous phone calls from Nation Star.When we returned their call they were not nice at all, stated our loan was in a bankruptcy. I tried to explain to him that the mortgage was not included, not on the list of debts in the bankruptcy not included in the discharge of debts. The man just kept repeating that the mortgage was included regardless. If that was the case it would have been listed in the court documents. The man made me feel like I was a dead beat.. I did file a chpt XXXX and only included debts incurred by my deceased wife.The mortgage was never included in the chpt XXXX bankruptcy..The bankruptcy was discharged in XX/XX/XXXX all the while payments were being taken out of my bank acct by XXXX.I tried repeatedly to explain this to the man at Nation Star he became belligerent. He told me to contact a lawyer that I was wrong.We have made our payments each month to Nation Star.Yet we have people driving by our home taking pictures and this all started when the mortgage was sold to Nation Star. I do not like the harrassing phone calls every month..we are making our payments and will continue to do so. When I googled Nation Star on the internet there are numerous complaints about this company, their tactics, they are failing to honor the mortgage agreements made with XXXX It is not right what they are doing to us. I have owned this home since XX/XX/XXXX, had it built and have no intentions of not making our payments. Plus we own another home that is mortgaged with another company and there is no problem with them, no phone calls nothing and all payment are made every month since XX/XX/XXXX, we have never missed a payment on either home. SO I do not understand the harrassment because we have a mortgage that was sold to them. XXXX XXXX XXXX never harrassed me, never called me every month.

Company response to consumer: Closed