vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX, GA XXXX Director XXXX Consumer Financial Protection Bureau XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX Dear XXXX ; Please allow me to introduce myself. My name is XXXX XXXX. I purchased a home at XXXX XXXX XXXX in XXXX XXXX. I was returning back to the US after servicing my country not in the military but as being XXXX of the XXXX based in XXXX. 

I invested my life savings of {$200000.00} on the home. Today I am exploring foreclosure options with Select Portfolio Servicing due to a XXXX in XXXX. I am XXXX today. 

I believe that I was defrauded by XXXX at the time of my mortgage origination. 

An uneconomic and irrational payment structure. 
My mortgage principal and interest is less than my monthly property taxes and insurance. 
After a modification my monthly mortgage payments are higher than my original payments. This was a negative Home Affordable Mortgage Program experience. 
My Principal Balance today, XXXX, after 16 years is higher than it was in XXXX. 

Reccomendation Please conduct and audit and analysis of my mortgage modification and complete history with XXXX, XXXX and SPS. 

Please assist me in receiving a debt " cram down '' valuation base of my history for the mortgages. For example, my total payment from XXXX to XXXX approximates my original principal debt or {$990000.00} in payments vs. XXXX in original debt. 

Thank You. 

Sincerely, XXXX XXXX SPS ACCOUNT XXXX XXXX XXXX XXXX AMOUNT PRINCIPAL {$760000.00} DEFERRED {$140000.00} PRINCIPAL {$900000.00} MONTHLY PMT PRINCIPAL {$1100.00} INTEREST RATE {$1200.00} {$2400.00} ESCROW {$2500.00} TAXES INSURANCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
Nationstar Mortgage is habitual in sending escrow overage checks and then raising the monthly payment amount to " cover escrow shortages '' in the same week. They have also paid for ( out of escrow which did n't have enough funds ) for coverages that were already paid for by the loan holder ( and Nationstar was TOLD that the coverages were PAID BY THE LOAN HOLDER and no payment was necessary. Yet, Nationstar created an escrow shortage and DOUBLE PAID the coverages. I have been trying to work this company on straightening out this situation since XXXX, 2015. I do n't believe that NATIONSTAR listens or provides ethical practices when it comes to dealing with their customers. What steps can I take. I am on a fixed income and can not refinance to " get out from under them. ".

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am reaching out to you because I can not afford to take legal action. I 'm hoping that you can help me resolve this matter that is in foreclosure status as I 'm a new father. I do n't want my family to lose our home. I have been faithfully paying our mortgage on time ever since we received our second chance which is a Loan modification approval on XXXX XXXX, XXXX from our original mortgage lender/servicer, XXXX XXXX XXXX. I completed my Making Home Affordable loan modification with XXXX XXXX XXXX on XXXX XXXX stating that my loan modification is now a permanent loan modification. I have sent my payment on time and have complied with all the terms of my permanent loan modification with XXXX XXXX XXXX, which is a fixed interest rate of 2 % and a payment of {$3200.00}. Then on XXXX XXXX, my account was sold or transferred to Nationstar. By law, All of my terms agreed upon with XXXX XXXX XXXX were supposed to remain the same after the transfer to Nationstar but Nationstar has changed my payment schedules and has put me on a foreclosure status because I continued to send them the same amount of {$3200.00} as per the fixed rate permanent loan modification agreed upon with XXXX XXXX XXXX. I do n't know what else to do but to file a complaint under your office and hope that I can get a resolution to the situation I am currently facing. All I want to do is for Nationstar to honor the permanent loan modification that I agreed upon with XXXX XXXX XXXX. Your response is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have tried to negotiate with the lender XXXX XXXX to modify our loan to get back to date. We have been applying for six years and the bank continues to deny my loan modification. The lender informed me that they will not even take my income into consideration. I am trying to take responsibility for my loan and the lender refuses to help me do so. Please help me since my daughter is XXXX ill and delicate and we can not loose our home for her.

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 2017-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MT

Complaint narrative:
We took out a construction loan to remodel our home back in XXXX of 2016. And through that process we paid off our loan with Nationstar Mortgage. It has been over a year and we have yet to receive the release documents for that loan, which by law are to be issued within 90 days of the lender having received the funds. We are now trying to obtain permanent financing and running into a delay due to the release documents not being issued and recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In XXXX 2016, XXXX sold my mortgage to Nationstar Mortgage. In addition to the normal mortgage, I had an obligation to pay {$390.00} for the cost of an interim property insurance policy, which debt was assigned to an escrow account. In XXXX 2016, I sent an additional {$500.00} payment to Nationstar to cover the {$390.00} escrow debt, with the expectation that the excess would be applied to my mortgage. However, Nationstar applied the {$500.00} incorrectly to my loan principle, leaving the {$390.00} escrow debt ( for the insurance policy ) unpaid. When the next regular payment cycle started, my " amount due '' showed as {$390.00} greater than it should be. 
I 've tried, on XXXX separate occasions, to work with Nationstar to get the problem corrected, and they always assure me they 've fixed the problem, but every month, the situation is exactly the same. They seem to be incapable of correcting this error, nor will they refund me the misapplied {$500.00}. If I call them again, they 'll just do the same thing they have the past three times, whatever that may be, and nothing will be fixed. I have never missed a full payment. The only deviation was when I sent an additional payment to close out the escrow debt, and now I can not get them to correct their mistake. I need some help with this. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I stopped in the branch to check on auto loan options for my son. While I was there, I paid the debit balance in my BB & T checking account which had been closed. At the recommendation of the personal banker, I opened a money account based on the fact it did not have check writing and I could not go below XXXX. 
I told her this was the account I was going to pay my mortgage modification loan. She printed out a sheet with the routing number and account number to give to XXXX Mortgage. I made deposits to cover the amount of the loan and called XXXX around mid month to make the first payment. 
Everything seemed to work properly, unfortunately a letter came almost 7 business days later telling me the payment was not accepted because I provided incorrect bank information. 
During this time I also noticed other quarks, such as not be able to fill up at the pump without going in and having the attendant process my request. 

I went back to BB & T, showed them the letter from XXXX. I had XXXX people confirm the account information and there should be no other problems. I went home on XXXX XXXX and called XXXX to make the payment. Again, no red flags, until the letter from XXXX arrived stating the information was invalid, I did not make the payment on time, and they rescinded my modification offer. 

I went back to the BB & T branch with the XXXX letter. It took several phone calls to find out this money account does n't recognize XXXX party ACH payments even if the money is XXXX XXXX in the branch knew about this restriction. I had the personal banker write a letter to XXXX on BB & T letterhead stating I was not aware of this feature. 

I called XXXX and submitted letter from BB & T for consideration of extending the modification offer. They said they did n't care. The money was not paid is all they were concerned about. Then they fast tracked the foreclosure of my home. 

Just yesterday I found out another feature of this account not told to me, I can only deposit cash or another BB & T check into this money account. Again, something I could have been pointed out to 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 2015-06-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I am currently unemployed, due to my current financial situation between XXXX XXXX XXXX XXXX I was assessed {$430.00} in overdraft fees by BBT. I have exhausted all communication with BBT which ends up in me being frustrated. BBT 's Rep 's are not showing any mercy towards my current situation. An unemployed person can not paid back {$430.00} in bank fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
Approximately 5 years ago I was approved for a loan modification through the making home homes affordable program, the mortgage principal was reduced and a forbearance applied for the remainder of the balance along with a reduction to the APR. Yesterday I received XXXX letters from Nationstar Bank offering me the opportunity to refinance my current mortgage {$180000.00}. I have received multiple letters in the past which I have responded by calling them. I spend 1/2 hour or more explaining my mortgage to them including that I have a forbearance and questioned if I really do qualify or not. At that point the mortgage consultant reviews my account and tells me " no '' you do n't qualify as you still owe more than the home is worth. I feel that the practice of sending multiple communication enticing someone with the hopes of reducing their mortgage is unfair and deceptive. I would assume that Nationstars system has the functionality to identify accounts that have a forbearance and not get hopes up that the payoff amount is a significant amount more than the letter states. I asked to be opted out of any further solicitations which include emails going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I had over {$1000.00} on my savings account. The next time I went to an ATM to withdraw money, I had less than {$500.00}. This has also happened before, where my withdraws do not add up.

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 2015-07-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION
State: CA

Complaint narrative:
Hello, I have recently inquired about transferring my personal property into my business which would require me to obtain a business loan. I have been attempting to do this with XXXXI began working with XXXX XXXX XXXX XXXX # XXXX ) in XXXX of 2015. It has been a nightmare dealing with her and I have found her conduct to be extremely unprofessional. Initially she took all of my information, and I was extremely transparent about my goals and quick to respond with financial information as needed. Eventually communication began to wane and weeks were going by without an update. She would haphazardly ask for different forms at the last minute, and would not bother to call or make sure these " last minute '' request were received. At one point after asking her for an update, calling both her work and cell phones AND sending an email, she emailed me back saying the loan was cancelled-she did n't realize that everything had to be completed within 21 days of initiating the request, AND she tried to say it was my fault because she asked for a form on Friday and it was n't there on Monday XXXX the same day it was cancelled apparently XXXX. 

I still proceeded to try to re-apply and continue the process with XXXX XXXX and BB & T. I had to consistently XXXX her down for updates. There were 2 WEEKS where I have heard NOTHING. I eventually caught up with her on her cell. She proceeded to tell me that she " thinks '' the hold-up is some additional paperwork that she " personally '' has some concerns about, AND when I asked if it were possible to just check in regularly even if there is no new information ( which I 've never heard of ), she basically refused. 

Eventually I complained to BB & T about the process, and after talking with her apparently, they said my application was in underwriting and they were n't sure when I would hear back. That is totally bogus and I know this because I have 3 other loans and I know how the process works. Coincidently, I received an email from XXXX XXXX a week later saying they could n't help me with my loan. No REAL or clear reasons, AND this was more than 2 weeks after my last interaction with her. I found this experience to be totally unfair, unprofessional, and unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
To Whom It May Concern : The reason for me writing is to seek your assistance with my mortgage company with the modification of my mortgage loan ; and to restricted them from dual tracking proceeding with the foreclosure while my loss mitigation application is pending. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX, I attempted to co-sign a loan online for a relative so he could purchase a piece of commercial equipment for his business through Sheffield Finance, the financial company affiliated with the dealership in Arizona. We received a denial and a list of reasons that 'could ' have contributed to the denial. The loan representative informed my brother that the company 'policy ' was not to accept co-signers from out-of-state and that we should try a bank, that the interest rate on the loan would be better anyway. 
On XXXX XXXX, we attempted to submit a loan, again with myself as co-signer, through his bank, XXXX XXXX. We both received similar letters informing us of the denial and what reason 'could ' be included. It was then that I learned that out-of-state co-signers may not be allowed under Arizona law. 
My first question is : if out-of-state co-signers are not allowed in Arizona, why is this not stated in some form on the websites? Why do the algorithms allow the applications to go through with addresses in XXXX different states? 
And, most importantly, why did I get hard inquiries on my credit score from both Sheffield Finance and XXXX XXXX? 
I do not have access to Arizona law to do the research myself. 
The loan is no longer needed but I still have the hard inquiries on my record and I would like to know what the reason is that these financial companies are not being transparent about this 'policy ' or 'law '. And, if this is actually the case, I would like to find out if I can get these erroneous hard inquiries off of my credit record.

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 2016-01-22 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
My mortgage was recently sold to Nationstar Mortgage. I am a month behind on my mortgage and have been since before they bought it, I have discussed this with them several times, they know my situation and that I am working to resolve my delinquency. However, since they purchased my account, they have been in nothing but a dogged pursuit of me because I am a month behind. I was receiving relentless phone calls until I blocked their number, I get letters in the mail it seems like every other day, emails, most recently text messages and now they 've had people showing up at my door. I am not in default of my loan, I am a month behind and trying to get caught up, I have told them this several times. This kind of abuse is ridiculous, cruel and needs to stop, it should be criminal for them to harass people like this, especially when I am trying to work with them. The real kicker is that my mortgage was included in my bankruptcy in 2011. If I am not mistaken, I do n't believe they should be calling or harassing me at all as a debt collector. In addition to the abuse, they have begun submitting negative " hits '' on my credit report, I do not believe they can do this either? I have also seen additional fees, I presume they are borne out of financing their harassment regimen, but I do n't believe I should be responsible for those either? This company is out of control and needs to have someone with the ability to end their bullying, do just that, END THE BULLYING. I hope I did n't go through the process of writing this complaint for nothing, please do something to end the abuse of hard working middle class people that have found themselves momentarily down on their luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: DC

Complaint narrative:
For the second tax cycle since purchasing the house in XXXX 2015, Seneca has failed to fully pay the taxes owed to the XXXX of XXXX XXXX. Please see CFPB Case number : XXXX for additional background. 

In the last cycle, though I contacted them frequently, six months elapsed and the Town threatened to put a lien on the house, sell it, and garnish our wages, in addition to other options. Seneca is now repeating this behavior. I have been calling them since XX/XX/XXXX and have re-provided all types of documentation to help them with their research. But each time I call all I get is a response saying they are still researching. I even provided the name of a contact in the Town 's tax department who would walk them through everything and they failed to contact him for a month. 

I request your assistance in bringing timely resolution to this matter. I am happy to provide additional information, such as account numbers and tax bills, at your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I called into to cancel my payment due to fraud. Dated for tomorrow. I was advised that they would cancel it tomorrow once I called in with my new payment. I explained several times I wanted it cancelled today. I was advised she could n't or would n't do it. Then told due to my delinquency I would have to speak with management. I asked why it could n't be cancelled was told I needed to set something up. Her name was XXXX the debit payment was never cancelled after again explaining it would n't go through due to closing out that debit card. I felt like my checking information was held hostage with nothing for me to do except comply with their demands. I called back to speak with a rep and asked their speedpay policy. All she could tell me was it depends on how far past due you are. I flat out asked could they cancel my payment and was told I still needed to speak with a manager. I should n't and wo n't go through all these hoops to cancel a payment. If I needed it cancelled it should have been done. I planned on calling in tomorrow to set pmts up with my new checking information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: KY

Complaint narrative:
Our mortgage is current. We make our monthly payments every month, on time or early every single month. NationStar continues to keep not applying our payments despite taking our money every month. Every time that we call them we are transferred and transferred and they keep telling us that theyre working on it, but there is no resolution. We are getting serious default letters when we are making our monthly payments every month. We are at risk of foreclosure come XXXX XXXX, even though Nationstar has been accepting our full monthly payment every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation