vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Mortgage charged me {$650.00} for an appraisal and credit check. They completed the credited check first and started the process to complete the HARP refinancing. I was told, I had to pay the appraisal fee and credit check up front. It could not be placed in the loan. This was paid upfront. The appraisal was conducted XXXX XXXX, 2016. I called the company numerous times regarding the results of the appraisal. I was informed they had the results but could not release the results to me. I asked how could they do this ; charge me ... have me pay for the appraisal but control the delivery of the product. Tuesday, XXXX XXXX, I received the appraisal after receiving a phone call from PNC Mortgage division on Friday, XXXX XXXX, 2016, informing me the loan was not approved due to the 2nd mortgage denying the subordination. I asked why did I have to pay the appraisal fee to find this out. PNC advised me the 2nd mortgage company would not approve the subordination without an appraisal. My question was, yes, but did the appraisal fee have to be paid upfront in order to determine if the 2nd mortgage company would approve the subordination? PNC stated yes, the appraisal would have to be completed. 
XXXX is the 2nd mortgage holder. I am currently in a Chapter XXXX bankruptcy. After calling XXXX, I was informed that an appraisal was not needed to determine whether the subordination would be approved because I listed XXXX as a non-secure creditor. Therefore, they would not approve the subordination, regardless. 

PNC had me go thru a lot of work ; reach-out to Trustee ; have my attorney get permission from the court to refinance ; not to mention all the time involved and numerous hours involved. I was told they would not refund me my money because the service was provided. I received paperwork that indicated it was denied because of credit and other. A credit report was 1st ran and PNC knew I had the Chpt XXXX bankruptcy. They are my 1st mortgage holder. PNC has reached out to me numerous times asking that I refinance. In the past, I have always cancelled the process because PNC changed the cost. This time, I made sure that there was an understanding of the cost. When it changed, I reached out to a manager who gave me a {$300.00} refund on the cost. 

This is a lot of money to have taken from me, {$650.00}. I did not get the service I paid for. PNC got the service that I paid for and when they were finished with what they want and/or needed to do, they finally sent me the appraisal results. 
I would like to have my {$650.00} back. 

I have filled a complaint with the Attorney General 's Office, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
BB & T 's response to a previous complaint raised other issues that we have heard for the first time - that they are not an authorized servicer. Throughout the course of this loan there has been lack of notice on many things including who is the authorized servicer. The last of notice being currently that we have not received notice that BB & T is not the authorized servicer along with the pertinent details that should be in such a notice. We have not been informed of who is the new servicer is and the pertinent details that should be included in such a notice as well. We discovered the fact that BB & T claims that they are no longer the authorized servicer as one sentence that was casually mentioned in the middle of a response letter received from BB & T to a complaint we filed with the CFPB regarding lack of notice on mortgage loan ownership dated XX/XX/2016. See attached letters, one dated XX/XX/2016 where BB & T claims that they are the authorized servicer and then on XX/XX/2016 where they casually mention the alleged change. We have received no other correspondence from them regarding this alleged change in who is the servicer of our loan and all the pertinent details that should accompany such notices. 
BB & T also knows that we are submitting a mortgage modification package and knowingly put us in a position where we have nowhere to send it as we have not received notice of transfer or notice from the new servicer. We feel that this is another deliberate attempt to thwart our efforts to execute options for us to retain our home that we have lived in for the last 18 years. 
We would like BB & T to answer each of the following questions directly, completely and not be evasive : - 1. Was or is BB & T ever allegedly an authorized servicer for XXXX who they allegedly claim owns the note, if so during what dates was BB & T allegedly the authorized servicer? 

2. If now you are revealing that BB & T is allegedly not an authorized servicer for XXXX then who allegedly is the new servicer and since what dates. 

3. When will we receive a notice of transfer of servicing from BB & T? 

4. When will we receive a notice of new servicer from the new alleged authorized servicer?

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 2015-11-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest. 

In addition to this I have completed a request for modification affidavit and sent this to Select Portfolio Servicing, Inc. in XXXX I have received no response to my request for loss mitigation options. Instead, SPS has elected to put my home up for auction on XXXX XXXX, 2015. I feel this is a gross violation of my rights according to XXXX Code 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 2016-03-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NH

Complaint narrative:
XXXX XXXX is in violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Under FTC v. XXXX XXXX XXXX ( XX/XX/XXXX ), a Federal Trade Commission lawsuit against a licensed or registered collection agency, whereas the collection agency paid millions in fines and penalties, a criteria was established on the collection of debt where interpretation of laws were established. That criteria is as follows : 1 ) The debt must be within legal timeline limits that it can be collected through a summary judgment process in the state of the consumer 's residency. In this case, both accounts started with HSBC Bank, went into default in XX/XX/XXXX, and then taken over by XXXX XXXX in XX/XX/XXXX. Both accounts are long past any redeeming collection period. 
2 ) The consumer must be given a 30-day notice that the collection will be posted on credit, and shown proof that the collection item has been assigned or purchased, or both. 
3 ) The consumer must be given his rights to dispute under the Fair Debt Collection Practices Act. In this case I was never notified by XXXX XXXX or XXXX XXXX XXXX. 
Both accounts have been re-aged, show no previous ownership as stipulated under the Fair Credit Reporting Act, and there is no payment trade line. The original owner, HSBC Bank is off credit completely as the legal timeline limit has come and gone. XXXX XXXX XXXX is in direct violation of FTC mandates on this type of illegal collection process. The Consumer Financial Protection Bureau needs to step in to sanction XXXX XXXX XXXX for these continued FCRA and FDCPA violations. Both accounts must be deleted on my XXXX credit report immediately and permanently.

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

Complaint narrative:
Last year I refinanced a loan for a house that I own with Nationstar Mortgage to bring down my payment, and to rid the PMI insurance. It did bring down my payment for about a year, but as the second year started on the payments Nationstar brought my payment back up to the amount I was paying, so I reviewed my payment and noticed they had been charging me PMI insurance under another name Borr Paid, and that they charged property tax XXXX against my escrow. I called Nationstar about this, they said they would review my escrow statement I informed them that the Ins payment was not on my truth in lending statement nor my escrow statement, as for tax payment they said they did n't send out a second tax payment, but according my statement they did. On the PMI they want me to do a PMI cancellation and charge me an appraisal. My complaint is they need to cancel my PMI and refund me the money they have been taking out for the last year since it was n't in my contract to begin with, and to refund the second tax payment, since they made these mistakes on my escrow it was caused my Payment to increase by a {$150.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NE

Complaint narrative:
Filed Chapter XXXX Bankruptcy back in 2011. Since then NationStar mortgage and XXXX XXXX have both reported the accounts closed. Both the first and second mortgage are kept open even with the bankruptcy. I have contacted all XXXX credit reporting agencies. One month it will be reported as closed, one month it will be reported as open, another month it does n't even show on my credit report. Seeing as all other credit accounts are closed and monthly payments are made on time, our score should continually gradually be going up, not down! I 'm tired of playing games with this. its unfortunate we had to file for Bankruptcy, but our credit is worse than ever with these companies!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: WV

Complaint narrative:
On XXXX XXXX 2016 at the end of the business day. I had {$2.00} in my bank account. Nothing was pending on XXXX XXXX 2016 I deposited {$80.00} period on XXXX XXXX XXXX that evening I withdrew {$20.00} two different times. There 's a {$2.00} charge per withdrawal from each provider my bank and the ATM. That is a total of {$10.00} with the XXXX that is a total of {$50.00} that took my balance from {$82.00} down to {$32.00} which is what my balance was on XXXX XXXX 2016 when I woke up. I put {$10.00} and gas taking me down to {$22.00} in my balance. I withdrew {$20.00} from a XXXX ATM which is a fee free ATM that took me down to {$2.00} balance at roughly XXXX. on XXXX XXXX the same day. I deposited another {$80.00}. On XXXX XXXX 2016 I open up my ( remembering that each of those {$80.00} deposits XXXX of them to be exact. Were deposited at XXXX separate branch locations. The first {$80.00} deposit was that the mall branch in XXXX West Virginia. The second {$80.00} deposit which was on XX/XX/2016, was at the XXXX downtown branch. ) U app by BB & T to find that they returned XXXX of the ATM fees and charge me {$36.00} so where did {$20.00} go?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
This may or may not be the right place for this complaint, but let 's give it a go. 
I placed my home up for sale. A buyer financing through Quicken Loans was interested, we agreed at a price and the process was on. Inspection went fine, XXXX appraisals were required due to selling price. The first appraisal came in at selling price. The second appraisal was " cancelled '' after it was made ( we believe that it matched the previous assessment ) and a XXXX appraisal was requested by Quicken Loans, less than 2 weeks to closing date. The XXXX appraisal came less then the selling price, and that 's just what Quicken Loans wanted. To me, it seems like Quicken Loans is forcing the seller 's price down as to minimize their " risk ''. The buyer is a physician, with real estate assets out of state, and a solid financial background. 
Both seller and buyer were packed, had made financial commitments, and then this. 
The net was a loss of {$50000.00} to the seller from the agreed price, and additional funds added to the down payment by the seller. Quicken Loans tactics are unethical, in my humble opinion. As a result of this transaction, I personally warned every person I know, whether a seller or a real estate sales person, to decline any offer that will be financed by Quicken Loans. Needless to say, the real estate agents involved, are doing the same. Maybe the the Feds can look into Quicken Loans 's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
My residential loan was recently sold to Nationstar Mortgage. ( It has been sold many times before and I have never been asked for any additional information. ) I have been receiving letters for the last two months from them requiring me to provide certification from the Social Security Office verifying my TIN. They have confirmed that they have my social security number and WILL NOT provide me with a XXXX unless I give them this documentation. Their letter specifically states my TIN must be verified by the Social Security Office. I went to the Social Security Office today and the woman I who helped me stated she CAN NOT verify a Tax Identification Number, only a SS #. She said that the IRS has to do this ; again, I do n't have a specific TIN. I have told them repeatedly that I do n't have a TIN. I spoke with XXXX, one of their managers today and told him I wanted to make sure I did not misquote him. I asked him if he was telling me they will not be providing me with my XXXX as required by the IRS even though they have my social security number on file and he said that was absolutely correct. I am concerned that this is a scam and I do not understand this requirement, especially since I do n't have a TIN. My loan has been sold many times and I have never experienced anything like this. I have spoken with several experienced mortgage brokers who have referred me to your organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Plaintiffs, at all times relevant to this complaint are owners of the real property known as XXXX XXXX XXXX, XXXX, CA XXXX ( hereinafter " Subject Property '' ). 
Plaintiffs acquired a home mortgage refinance loan forthe Subject Property from lender, XXXX XXXX The mortgage loan was secured by a Deed of Trust executed on or about XXXX XXXX, XXXX. 
Defendant SELECT PORTFOLIO SERVICING ( hereinafter " BANKS '' ), is the mortgage servicer of the XXXX secured lien and the purported beneficiary of the Deed of Trust used to secure the mortgage loan to Plaintiffs to purchase the subject property. 
Sometime in early XXXX XXXX, Plaintiffs received a Notice of Default from XXXX XXXX XXXX after having bought the loan from XXXX XXXX. Plaintiffs have attempted to short sell this property under the government Home Affordable Foreclosure Alternatives program, but has been unable to do so. On or about XXXX XXXX, SELECT PORTFOLIO SERVICING issued a Notice of Default against the Plaintiffs after having bought the loan from XXXX XXXX XXXX. Despite continuous efforts for the Plaintiffs to apply for a short sale for the defaulted note, the multiple lenders involved have not cooperated to date and have continually put the property up for foreclosure auction without legitimately reviewing the Plaintiffs for a short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
Originally filed for loan modification with XXXX XXXX XXXX in XX/XX/XXXX latter part, they sold mortgage to Select Portfolio servicing but not until they had set a sale date.I filed a complaint with you and once Select picked it up they stopped sale and allowed me to start new modification I immediately sent in all docs, not once but several times I was sent confirmation they received all and that no more was needed.i waited, sent emails to relationship manager unanswered, but received letters stating they received my request for status.Never was there a request for any more info. Then yesterday I received a sale date of XX/XX/XXXX.I immediately phoned and was given the run aaround and a list of docs still needed and was told they tried conacting me by phone to a number I NEVER gave them or ever had ( they have phoned me on line given in modification papers. Was told that I can resubmit but that it WOULD not stop the sale date if not in review and completed. Is this not Duel Tracking?????? I am sick at this point. I have complied with everything from the get go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
my mortgage companyforced us to have the taxes in my mortgae and they were responsible to pay them and nowthey failed to pay the real estate taxes and now the property is going up for tax sale

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
I have been trying to get SPS SERVICING INC to lower the mortgage payment on my home and they refuse to grant me a modification, I send the all the information that is required for the modifiction.? I ask them why they told me the first time I submitted all the information that my I come was to high for the modifiction? Then I was told by thier office just use my icome and my daughter income? Then they said me and her still did not qualify for the modifiction because our income was to low? I also ask them, why and what about the harp program they said we did not qualify for that? i is that not the program that is to help people like me and my daughter to save our home? I was told that was unfair tactics that was using not to help me save my home? I do n't know a lot about the housing market and how it is supposed to work please help me. Just wanted them to lower my payment, my husband is decease and yes he was a veteran. Please help me and my family to keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX, Analyst. I had filed a complaint against Nationstar and their lack of a loan modification without reason and imminent foreclosure ( now XX/XX/XXXX ). She had also attached letters from a XXXX XXXX, from XX/XX/XXXX and XX/XX/XXXX. What surprised me was the letters from Nationstar as I have never received any correspondence from them. It stated there were XXXX modification reveiws done in XX/XX/XXXX and XX/XX/XXXX, yet I never received any information from Nationstar and no explanation as to why I have been denied. My main goal is to remain in my home and work out a modification. My address is : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc.
State: AZ

Complaint narrative:
AR RESOURCES INC.has XXXX collections reporting on my XXXX and XXXX reports.XXXX has removed.they are account XXXX in the amount of {$120.00} and XXXX in the amount of $ XXXX.The original creditor is XXXX and the duplicate collection is for a single service/bill So AR RESOURCES has double billed with a single digit account difference and a XXXX dollar fee difference and is verifying false information 3 times, according to XXXX.

Company response to consumer: Closed with explanation