vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-08 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: WV

Complaint narrative:
On XXXX/XXXX/2016, I made a mobile check deposit from XXXX, to BBT. The check was in my name and the amount was {$2500.00}. BBT placed an administrative hold on the funds, until XXXX/XXXX/16. Once the funds were released, I learned that they had frozen my savings account where the check was desposited because they believed that the check was fraudulent. I then contacted XXXX, who told me that the funds had been sent, and that there was no way to get the money back. I contacted BBT multiple times and tried to resolve this issue, but as of XXXX/XXXX/2016, my savings account remains frozen, with no XXXX proof that the check was fraudulent. They told me that they had contacted metabank who told them that the check was unauthorized, but when I contacted metabank they claimed that no such call had occurred. A worker named XXXX in the fraud department for BBT actually placed the hold on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I received a letter from The Northland Group attempting to settle a debt in collection. I responded to the letter requesting proof they were authorized to collect alleged debt via certified letter. They immediately responded saying they returned the collection to XXXX but XXXX is not the original creditor but a collection agency. My credit reports indicate the account in question has been sold multiple times and is being reported to all XXXX credit reporting agencies by XXXX, XXXX and XXXX. All XXXX report inconsistent dates of charge off/collection and all XXXX report inconsistent amounts of the actual debt owed. The debt is being reported on all XXXX credit reports as an active collection even though I have disputed this through the CRA's. Despite my disputes have never received anything materially relevant from any of these companies proving my obligation to this debt. To date I have not had any response from XXXX. I sent a certified letter to XXXX requesting proof of, verification of their authority to collect, and my options to resolve this debt so I may resolve this issue, I requested a response within five days as per law. XXXX signed for the certified letter over one week ago but has had no contact with me and have not given me proof of the debt, my responsibility or options in resolving this matter. I request all communication be done via US Mail and in writing on a company letterhead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
My present mortgage has been identified as one of the loans created by XXXX XXXX XXXX in 2005 who was a major contributor to the mortgage industries financial downfall. XXXX XXXX sold or transfer my mortgage to Aurora Loan Services ( both of which declared bankruptcy ) and sold the bad paper, that is now held by Nationstar Mortgage LLC ( XXXX, TX ). My interest rate has reverted back to 6.+4 upon the end of what Nationstar labeled as a modification in my paperwork for 2 years at a 2 %. I am now told that my loan was not a modification but a forbearance. My situation has not changed since the housing industry problems. I am still on a fixed income and can not afford the high interest rate and am in danger of losing my 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 2015-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
XX/XX/XXXX we submitted a purchase contract to Nationstar Mortgage for consideration on a short sale. we requested HAFA consideration and we were told the file would be processed as HAFA. Nationstar countered the offer we submitted and we accepted the counter. the price was XXXX when the purchasers lender appraised the property he found problems that required an adjustment to the price. the appraised value was XXXX when we submitted the appraisal for valuation consideration Nationstar came back XXXX higher than the counter XXXX they initialed countered to us. 3 weeks ago they ordered another BPO and we have been trying to find out the value they have assigned to the property. I have called and emailed several times and keep getting the run around on this short sale. the seller can not make the payments and this home is destined for foreclosure unless they get moving on the determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I had a 5 year loan modification with XXXX XXXX, who then sold it to XXXX XXXX XXXX and then XXXX sold it to Nationstar Mortgage. In XXXX of 2014, the original 5 year modification ended and Nationstar sent me a letter stating my mortgage payment went from {$1200.00} / Month to {$2200.00} / Month, which there was no way I could afford. I tried to do a loan modification with Nationstar, and after a few months they came back to me and said " Congratulations, you 've been approved ''. My new monthly payment would now be {$2100.00} / months. Wow! They took off a whole {$14.00} per month. I have been trying to work with my Loan Modification specialist to work something out but they are very unresponsive and will not get back to me for weeks, in some instances. Now, it appears they will either send me a default notice or possibly have me do a short sale or cash for keys, and be out of my home of 14 years in 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar Mortgage does not respond to my requests. It is impossible to contact them by phone, all you get is prerecorded messages. I tried contacting them by the website and they did not honor request. My insurance has increased dramatically and I wanted to shop around for a new policy but instead of working with me they went ahead and the policy. Now my payment will go up AGAIN and they will not let me try and find a more reasonably priced policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I refinanced my house through Quicken Services in 2005 and noticed that the amount of interest paid monthly was the same even though I was paying on the principal even after several years. They explained that this was normal. 
I later discovered that this was an interest loan that is generally targeted towards wealthy people who make over XXXX a year. 
I did not want this kind of loan since I have never made this kind of money and now I am told through my legal insurance that these thieves made this the norm and walked away with the blessing of the banking industry. Regardless of the fines that these people supposedly paid I have yet to see any of that money or compensation for their dishonesty. 
I am a military veteran with over 40 plus years working in XXXX and I do not make that much money. Please help. 
I am attaching the loan document from Quicken.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
My clients home is up for foreclosure sale on Tuesday XX/XX/XXXX ( THIS TUESDAY ). It is on the court 's docket. 
The loan apparently transferred servicing from XXXX XXXX XXXX to SPS effective Wednesday XXXX ( tw days ago ). 
We are unable to dicover the status of loss mitigation application as XXXX XXXX XXXX can not open their records due to the transfer and SLS has no record of it in there system per my call this afternoon! 

Attached are the serviving violation detailed specifically. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
My fixed rate mortgage payment went up again because of escrow. Nationstar never offered me a choice of paying the difference off or just accepting the payment hike. This happened for the second time with that company. Whereas before, when my mortgage was handled by other companies ( at least XXXX in the past ), I was always given that choice and was able to keep the payment amount the same. When I talked to Nationstar 's mortgage representative he said that they had sent the notification by email. I checked. That email did not have any sort of offer to pay off the escrow shortage. And even after I paid off the shortage while on the phone, the representative still said that the payment amount would still increase, even though less than before I paid shortage. I would like to know why a fixed rate mortgage payment still goes up with Nationstar and more importantly, why do they ignore my right of a choice to pay off the shortage before they bill me with higher mortgage payment. And why do they not let me to pay the Escrow myself? The Nationstar 's mortgage representative was not helpful with those questions. But he did send me the Annual Escrow Disclosure Statement this time, when it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
SPS sent a letter dated XXXX XXXX, 2016 regarding insurance coverage on my residential property. In the letter SPS indicates it is the mortgage servicer on a certain account number. It is hereby noted that the account has no relevance to us or to our property. There is no signed contract or agreement or any relationship between us and SPS. We have written to both SPS and CFPB about SPS 's absence of authority. SPS has admitted in prior communications that it is NOT the servicer of this account or any account in connection with us or our property ; that SPS has made contractual arrangements with third parties for SPS 's own profit ; that SPS has harassed us ; that SPS has not proved and is unable to prove that we owe any debt. Without proof of specific legal relationship, SPS is an illegal, unlawful " interloper '', without any rights whatsoever. SPS has no authority to " urge '' contact with our insurance agent to advise that the policy should be billed to Select Portfolio Servicing, or to include them as " Standard Mortgagee '', or " ITS SUCCESSORS AND OR ASSIGNS ''. Therefore we ask AGAIN that SPS CEASE and DESIST communication and DELETE this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
Please refer to CFPB complaint XXXX. SPS continues to harass me through the USPS and refuses to respond to my debt validation and Qualifies Written Request. I do not owe SPS and SPS has not serviced any loan on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
NationStar foreclosed on the XXXX 's property located at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. NationStar vastly inflated the amount that was allegedly owed to deprived the XXXX 's of the surplus funds that should have been available after the foreclosure. NationStar then failed to respond to a Qualified Written Request that was sent to them to validate the debt and establish the true delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BB&T CORPORATION
State: NY

Complaint narrative:
a car loan for XXXX per month for 72 months was original agreemen. 
6 months of extensions at various intervals during course of loan loan maturity was extended to XXXX 2016 .I WAS TOLD ATTHAT TIME XXXX WAS STILL OWE.THIS SEEMS LIKEAN EXHORBITANT AMOUNT OF INTEREST FOR A 6 MONTH EXTENSION,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have submitted various complaint on a problem I am having with my mortgage company and up until today they have not given me a glimmer of hope as to what they will be helping me stay with my home, at this moment I have no idea what I 'm going to do I am in total disbelief that there is n't someone higher then them to help me out, Once again I was under the impression that if they would n't give me a solution you 's would help me get to the main source, I have a foreclosure date of XX/XX/2016 what am I going to do, I received a call from a XXXX XXXX were he told me that nothing can be done because the foreclosure day was going to be soon and they did n't have time to start the paper work this was Monday XXXX/XXXX/16 and you tell me that from then until XX/XX/XXXX there is n't any time or is it that he does n't want to help I told him I was going to see what can be done and without any further word he just hung up and that 's it. I do n't want to continue complaining to you. Please help me find a solution to this because I 'm at a point that I think I 'm going to go crazy. Once again thank you and I hope something can be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
We have auto-payment for our mortgage set up, going from our bank ( XXXX ) to our mortgage company ( Nationstar ). We have bank statements showing those payments have occurred consistently and have not been returned or rejected by Nationstar. They told us that they do n't have record of our last 3 months of payment. We have submitted bank statements and yet they still ca n't get this fixed in their system ( they have now found the payment for one of those months but not all months, and have indicated that some of the payments we sent were incorrectly applied, but tried to blame that on us instead of taking responsibility and fixing it ). They even sent our case to their collections department, where the staff were belligerent as well as unable to solve the actual problem. Now our credit report shows that we are 30 days late on our payment. They have assigned late fees, which should be removed. This is not the first time they have wrongfully assessed late fees on our account. We have attempted to resolve all of these issues with Nationstar and despite hours on the phone and providing the documents they request, we do n't see this being resolved easily. Thanks in advance for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
My husband passed away and we had a mortgage with Nationstar. I know that I am on the security instrument and the deed of trust but will not let me have a right to speak on the property. However Nationstar offered a loan modification in which I have been performing on month after month ( over 4 months ). No funds have been sent back from Nationstar and I have sent documents to assume the loan. I even asked Nationstar in writing can I assume the mortgage and still not response. However, even after they call daily, have emailed my point of contact XXXX XXXX I can not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC
State: GA

Complaint narrative:
i borrowed $ XXXX.which i was thankful forbut wasnt expect the ernomeous feesannual percentage is 668.17 % finance charge is $ XXXX-amount financed is $ XXXXtotal payments is $ XXXXwhich each pay period i 'm only paying $ XXXXto amount financedif i keep going like this i will be put out of my house/ and lose mycar due to the fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Approximately 18 months ago I restructured my mortgage due to financial hardship with NationStar Mortgage. I was behind in my mortgage and facing the possibility of foreclosure. After all was said and done, I wound up with a 40 year mortgage, with payments only approximately {$200.00} less a month than what I was currently paying. 
At the time of this restructuring, I only had 7 years ( {$68000.00} ) left to pay on my home that had a market value of {$150000.00} to {$180000.00}. When I asked why I had to pay such a high long term cost for this restructuring, I was told that there were attorney fees, late payments, etc. At the time I was approximately five months behind in payments. I was told that after I reestablish better credit I could refinanace for a better term. 
With all that considered, I believe a 40 year mortgage term in order to save my home is a bit excessive. In the end I am paying NationStar approximately {$500000.00} for a {$68000.00} loan. 
I am not sure what recourse I have, if any but any advice would be greatly appreciated. I can provide greater detail if there is a possibility that I have a legitimate complaint. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I had service with att for home and wireless service on combine billing, my home bill part was approx XXXX per month and my wireless varied between XXXX and XXXX a month. After a while I had the home phone service canceled because I was not using and was not under contract for that. I kept wireless until XXXX of 2013 and then I canceled service and went with another provider. I received a final bill from att for XXXX which I paid in full. A few months later I check my credit report and there 's a collection on there for XXXX. I called att and they could not find where I owed them anything or where it was in collections. So I disputed with credit bureaus and they removed it. The collection agency then sold the collection agency to another agency and it showed back up on my credit report, so I dispute again and it 's removed again. So now it 's sold again and some company if systems has it on my credit report again and the bureau will not take it off this time. I have asked for disclosure of this collection and why I owe it and have not received it. I have no idea of how I owe this or where the amount came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
BB & T is playing a very sneaky game with overdraft fees. I am being told I over XXXX my account on Sunday but my account still showed a positive balance on Monday of over {$100.00} so I spent money. Since BB & T uses a running balance if I spent the money it should not be visible to me anymore. They have confirmed this numerous times. The moment I knew I over drew my account, Tuesday when they emailed me, I deposited enough to cover everything plus {$50.00}. The overdraft fees continue for now XXXX more days. BB & T claims it 's because the overdraft fees were applied on Monday not Tuesday. But I was not notified of that and it was n't even visible to me. So basically there is no way for me to stop dozens of overdraft fees even if I deposit money since they are applying the fees the day before the charges clear. I have emails verifying the transfer of money and the overdraft fees being applied including exact times.

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