vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: AL

Complaint narrative:
I paid {$60.00} to open a bank account online with BB & T. I got an email, after they took my {$60.00} and all my information, stating that I needed to go to the office and verify my address. They made me pay {$50.00} more to open another account because they could not find the account I opened online with the {$60.00}. They said that it is XXXX fault and not theirs. I have talked to the manager at the BB & T in XXXX, AL and talked to the lady who opened my XXXX account named XXXX XXXX. She says over and over that it was not {$60.00} but {$50.00} and that she has sent a fax to regions bank. XXXX XXXX has been very rude to me and probably because I 'm on XXXX. She now says I have to call her back regarding an issue she has with me. I 'm just going to change banks but I need the {$60.00} that was taken from the XXXX XXXX account before I leave. Please help me!

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 2015-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: RI

Complaint narrative:
Every month since Nationstar was assigned our mortgage we have been harrassed by phone calls stating that we are 2 months in-arrears. When we assigned I made a call to nationstar stating that my husband is on XXXX and gets paid the XX/XX/XXXX, They told me that it was n't a problem because we have 10 day from the due date to pay. We are on automatic payment so it is sent the XXXX of every month, which is in the 10 day window. Since this has been going on for XXXX years and we repeatedly explain this to them monthly. We receive XXXX to XXXX calls a day from the XXXX of the month to the XXXX. We have proven to them that we are not in arrears with copies of our payments. Now we have not been late in the 20 years of paying our mortgage, and only having 18 months left. We like to know our rights and how to stop the madness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
I was denied a relocation assistance without ever being notified despite numerous phone calls. I went through the home modification program twice. I told them I wanted to do a short sale after all of this. Nationstar provided me with a realtor who worked for them. I got railroaded the whole way through. Now I 'm out of {$3000.00} and no 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 2016-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I graduated in 2009 from XXXX XXXX XXXX in XXXX NY. Ever since then, I 've been unable to find a job. I 've had multiple interviews only to be turned away because I ca n't get the experience. While I was going to XXXX XXXX, we were being taught outdated material, using outdated books in outdated software. I went for 3 years and acquired XXXX XXXX degrees. I had attempted my XXXX in their online courses for about 9 months and decided that it was n't for me. By the time all was said and done, I had accumulated over {$100000.00} in debt between my Federal, Dept of Ed and Private loans all the while not being able to find a job, living paycheck to paycheck working manual labor jobs. I 'm still in a position where, although I work in XXXX all day ( not my ideal job ), it 's a contract position that could end any moment working at {$12.00} an hour. That being said, I 've been forced under threat of litigation by my private loan lenders to pay over {$400.00} a month to just 1 loan, not including the other private, fed or dept of ed loans. It took me a year and a half, almost 2, to get them down this low in payments. During one phone call, which my father can attest to, I was given 3 months of forbearance during a time that I was unemployed. When I asked the woman on the other end if by the end of the 3 months I still do n't have a job, what should I do? She casually replied with no remorse " I suggest you pay the loan ''. As if to say that there was absolutely nothing she could do and she could care less how I do it. I can barely make ends meet, my car needs fixing, and I 've been forced to live at home because I ca n't make enough to live on my own, let alone pay these outrageous loans at 7.5 % average interest rate. Although I have much respect for the teachers I had, my education was a sham and I do n't know about you guys, but {$100000.00} is more than most ivy league schools, but at least with them you come out with a masters with that kind of money. I even went to the Career Services department that the school provided to help students find jobs, along with my father again as a witness, and was literally told to look on the same websites I had been using for years prior to that meeting. No attempt was made to even make an effort to help me. At that point I was left wondering what the XXXX I was paying for? With the recent shutdown of XXXX XXXX, I 'm seeking retribution and I 'm happy to watch them collapse. I 'm tired of being pushed around, I 'm sick of being in debt to a school that is literally robbing me and I just want to live my life. I just want to be happy for once without the burden of knowing that someone out there is taking all of my money. I do n't know if this will make a difference but I have to try something. I 'm submitting this under the federal loan section but my private loans are part of this too. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My office is helping an elderly couple with the short sale of their property. An offer was obtained within XXXX of bank 's asking price, to further move this matter along my office requested reduction in all Closing costs to maximize the amount being received by the bank. We keep getting denied stating that investor guidelines are not being followed with no clarification. My client 's can not afford this home and do n't wish to have it sitting under their name for years until it 's foreclosed we need 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 2016-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
XXXX XXXX transferred me to SPS ... SELECT PORTFOLIO SERVICING IN 2015 XXXX. I HAVE MADE ALL MY PAYMENTS ON TIME TO XXXX AND SPS. somehow and i still do n't know why, XXXX took my payments and divided them saying that i owed XXXX $ then i wrote for a research and investigation.when sps contacted XXXX/after a year of harrassment calls and letters they then said i owed another XXXX remember i made all payments never late or missed.i contacted CONSUMER COMPLAINTS SEVERAL TIMES TO NO AVAIL.now after 14 m0nths i am getting new harrassment letters of forclosure.to stop the harrassment i have been sending extra payments to sps on XX/XX/XXXX, with my reg XXXX payment.this XXXX holiday SPS SENDS ME MORE FORECLOSING LETTERS THE SAME SAME LETTERS I RECEIVED 14 MONTHS AGO ... REALLY .PLEASE GET THEM OFF MY BACK AND IF U CAN FINE THEM FOR THEIR INEPTITUDE AND UNPROFESSIONAL DEALINGS WITH ME FOR OVER A YEAR. thanks XXXX 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: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I want them all stop calling my house..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
We believe we have experienced some unlawful practices throughout the course of our mortgage refinances with XXXX XXXX ... XXXX of our largest complaints is that we subsequently refinanced with Quicken. I believe XXXX XXXX withheld monies in our escrow account ... They were never refunded directly to us or forwarded to our refinance. 
Our second complaint is in regard to Quicken Mortgage Refi. At the t of our refinance we were given XXXX ARM set at XXXX & for 5 years unless the interest rate dropped lower that the 3.75 % and if we requested we were eligible for automatic interest reset to that fixed interest for duration of the loan ... without cost. Quicken has not honored that promise.This is deception! We request your help for our sake as well that of others. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My mortgage company increase my payment by XXXX % in one month. The mortgage company paid MUD taxes. The XXXX other Mortgage Companies that I had before Nationstar Mortgage knew that I owed the taxes Before I could sell the house I knew that all taxes would have to be paid.But Nationstar Mortgage wanted the regular mortgage payment of {$1000.00} but the {$2300.00} also in one month.Nationstar Mortgage knew that I was XXXX veteran because for close to two years tried to escrowe my account.Before this I made on time payments for three years to refinance my home from 7.99 % adjustable rate.Each time they would try and escrowe my account is it put me as late They took it off my credit report for awhile But Nationstar Mortgage never told my other creditors so my score suffered.Couldnt refinance then strong along with a modification plan.then told the forms were sent by mistake .Now in a chapter XXXX bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
My mortgage company foreclosed on my home after Ifiled complaint by way of case # XXXX. After I filed acomplaint in XXXX, 2015, I still did not receive anycommunication from Nationstar Mortgage and theyforeclosed on my home without giving proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
My loan was sold by Nationstar Mortgage in XXXX 2015. There was an escrow amount of {$3700.00} in my account. Instead of paying the taxes for that quarter, the company claims they sent the funds to the new servicer XXXX XXXX XXXX ( XXXX ) /XXXX. However XXXX claims that they have not received the funds and in turn raised my mortgage payment to account for the escrow deficiency. This has negatively impacted my credit because I was unaware. In addition, every time payments were made to my tax collector, it went to the arrears amount which resulted in late fees and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
Nationstar Mortgage, our lender, based in XXXX XXXX Texas, has collected in an escrow account for our property taxes and insurance. I learned today that our property taxes were not paid by the deadline and that thus far, {$70.00} in interest has accrued. I an very chagrined at the service I have received from Nationstar and this is just the latest issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Needed to update occupancy of reverse mortgage with Champion Mortgage Co. misplaced request but sent it in when we found it. Also talked with their representatives twice on the phone to verify occupancy. The company charged us {$20.00} because they say they sent a representative out to verify occupancy but they will not send us a copy of the report and no one ever talked with us indicating they were sent out to verify occupancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
My grandmother passed away XX/XX/XXXX and XX/XX/XXXX we contacted the reverse mortgage company that we her family wanted to payoff loan. They requested information about estate and deed. After XXXX month and various paperwork, they accepted our documents. Then they asked us in writing to fax or mail request for payoff loan and appraisal documents. Given that payoff loans are valid only for the month requested, we only have 30 days including business days to complete transaction. Then we completed request and holidays came so we submitted for XX/XX/XXXX and we are at XX/XX/XXXX and we still have not received paperwork. They make it really hard to complete this given that every month that goes by the increase on amount is added and the fees are over XXXX $ dollars. Since my grandmothers passing XX/XX/XXXX the amount accrued is over {$4000.00}. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Mortgage Fraud is being perpetuated against by SPS known as Select Portfolio Servicing , Inc the property is located at XXXX XXXX XXXX XXXX, Ga XXXX. Legal Description : ALL THAT TRACT OR PARCEROF LAND LYING AND BEING IN LAND LOT XXXX OF THE XXXX TH DISTRICT OF XXXX XXXX, GEORGIA, BEING LO XXXX XXXX OF XXXX SUBDIVISION, AS PER PLAT RECORDED IN PLAT BOOK XXXX, PAGE XXXX, RECORDS OF XXXX XXXX, GEORGIA, WHICH PLAT IS BY REFERENCE INCORPORATED HEREIN AND MADE A PART HEREOF. I sent notice and ask the plaintiff to:XXXX Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; a ) FR XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX ) b ) FAS XXXX Cash Flow Statementsc ) XXXX XXXX XXXX ) XXXX XXXX ) SEC Registration # of the pooled trustf ) FWP ( free writing prospectus ) SPS wont respond and now they are foreclosing on a property they do not own..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
To whom it may concernXXXX XX/XX/XXXX XXXX XXXX XXXX sold our loan to Nationstar Mortgage. In XX/XX/XXXX we received notification that as of XX/XX/XXXX, we are to make our " regular '' payment to Nationstar Mortgage. 
We never signed any documents with Nationstar or anything. We were advised that nothing should change. So as of XX/XX/XXXX - XX/XX/XXXX all was fine. XX/XX/XXXX our payment goes up by {$200.00}. 
I start calling Nationstar to get some kind of assistance in understanding how is it that my payments are going up by {$2400.00} per year. The only response I am able to get is that " oh no ma'am, we did an escrow disclosure statement and that is what it shows. '' So, basically they do n't feel that they need to explain anything to me. I made at least XXXX phone calls and no one has helped me. I have made EVERY single XXXX of my payments on time ( see attached copies of each payment ). However, they show that we 2 months behind. Our credit is shot because of this. I am unable to get any supervisor to help me straighten this out. I manage to reach someone who seemed to want to get this resolved and for a month was actually corresponding with me via email ( see attached ). He referred this to a supervisor who is yet to contact me. I emailed him all of my figures along with copies of the checks that I returned back to Nationstar. Nationstar has no locations in California so I am unable to go into a branch to speak to anyone. We were sent escrow statements in this period of time. They are quite confusing. I created my own statement of what I have confirmed that Nationstar paid for us and what we paid to Nationstar. By my figures, we over paid Nationstar by {$5400.00}. I am attaching my own figure that I have also forwarded to them. 
We are at our wits end with this. 
Please help us get this resolved. 
Regards, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
My loan was recently transferred from XXXX to XXXX to owcen to now nationstar mortgage. I have had the loan for 8 years. In that time I have had an escrow that paid my insurance and taxes. I have paid {$400.00} per month and it has covered the payment, insurance, and taxes. Now that nationstar has my account since XXXX of this year, my insurance and taxes are not only behind but my insurance was canceled and I was not allowed to renew. I have called nation star several times and got no help. Sometimes I call and they say I do n't have an escrow account, other times they say I have over {$1000.00} in escrow but my insurance company needs to send an affidavit. Once they told me they put in a work order to release my escrow but I would have to pay the past due balance out of pocket. I called once and they said my account was set up without escrow and I have to pay everything on my own. I am not sure what is going on. All I know is I 'm paying money and no one will tell me where it 's going or my escrow information. I should know where my funds are being held, the account number, and how much comes and goes in the account. Instead I keep getting transfered between the escrow, customer service, and insurance department. When I request to speak with a supervisor I 'm told that they are on break. They say they will follow up with my request but I do n't get any response. I need to know what they are doing with the funds in my escrow account and I want my taxes and insurance paid

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I got divorced in XXXX of XXXX. At the time of the divorce, part of the settlement was to allow my ex-wife to stay in our marital home since we had a young daughter. We agreed we did not want to disrupt her life. When I left the home as part of the settlement my ex-wife agreed to take over the house expenses and mortgage. It was an adjustable mortgage with XXXX XXXX. During the years she has tried to refinance the mortgage into her name before it began to adjust but does not qualify, we then tried to look at HARP options but the mortgage is not owned by XXXX or XXXX XXXX so we were told no on that option. Fast forward, she has been paying the mortgage in hopes her income would go up and she would be able to refinance out of my name. The mortgage began to adjust as of XXXX XXXX. I was recently laid off last year during XXXX XXXX, and went from making XXXX to each year less and less. Now in XXXX I am making XXXX. My ex-wife decided to leave me with the house after she realized she would not be able to put the mortgage in her name so I have had to move back into the home. I have contacted Quicken loans to try to do a modification to a fixed mortgage since the rates are adjusting and going up and now I make a lot less, I provided all the documentation they required every XXXX weeks. After providing the documentation every XXXX weeks I realized I was not getting anywhere, I called and escalated my case to their XXXX relations group. I spoke with a XXXX XXXX in the executive office who said he was a supervisor. I spoke with several Quicken employees who said they were supervisors and were not. XXXX XXXX, XXXX XXXX, XXXX XXXX. The company employees lack integrity. Anyway, after several calls to follow up and back and forth, XXXX XXXX told me my modification request was denied, his reason was I made too much income. I asked how was my income calculated he refused to disclose the math, how can you tell some XXXX they are denied and not explain why? In addition to this I also received my mortgage statement for XXXX with an additional {$180.00} fee showing up on the statement with no explanation of why. I called to ask them why and to remove it and they have yet to resolve the issue. The executive relations rep XXXX slipped up and said it was XXXX charges, when I questions it further she said she was not sure what is was and would look into it. She was also suppose to be a supervisor, when I asked to speak with her supervisor, she said it was XXXX XXXX. Again Quicken employees are being dishonest. I feel absolutely uncomfortable with with them no XXXX in there executive relations group seems to be honest and I do not know who else to go to to hear my case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation