vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I asked for a loan Modification which was finalized XX/XX/XXXX. My mortgage prior to modification was {$140000.00} plus {$60000.00} added to the back of the mortgage. This {$6000.00} was for taxes and insurance that XXXX XXXX had erroneously paid on my behalf. When the error was realized thy wanted to increase my mortgage from $ 906 monthly to $ XXXX+ then was told it was {$1800.00} +. I stopped paying as I could not afford this sharp increase. Servicing of my loan was transferred to Select Portfolio. A modificaton was done with a 2 % interest decrease. My home was appraised for {$45000.00} in XX/XX/XXXX and {$71000.00} XX/XX/XXXX. My mortgage now stands at {$210000.00}. Taxes and insurance are now included and payments mostly covers interest with less than {$100.00} going towards principal. At this rate I will never own this house. I need some relief like Principal reduction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
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 on XXXX XXXX, 2016 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
Contacted Quicken loans prior to XXXX XXXX, 2015. Received notice from them dated XXXX XXXX, 2015 that my application for a mortgage was " taken out of process '' on that date. I did not authorize the XXXX inquiries made by Quicken Loans on that date. XXXX XXXX XXXX has erroneously made this inquiries. What can be done to stop these nefarious inquiries, restore the points lost because of his fraudulent behavior?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION
State: TN

Complaint narrative:
Over the course of 7 months of negotiations and several foreclosure sale postponements. We accomplished raising money to Fully Payoff our XXXX Mortgage ( BB & T ) and Short Pay XXXX Lien Holder ( XXXX-HELOC ). Another Foreclosure date was set for XXXX XXXX, 2016, without my knowledge, no notice to XXXX Lien Holder, and No notice posted on XXXX XXXX XXXX, webiste ( Foreclosing Attorney ) We were in bi-weekly communication with XXXX XXXX XXXX to obtain a updated payoff and no one mentioned New Sale date. We would have put in a request for postponement as in previous occasions. Most assuredly with money coming from IRA account to pay it off. However, We closed on XXXX XXXX, 2016 using a copy of my husband Power of Attorney. He was out of state in XXXX XXXX XXXX XXXX and hard to reach. He gave me POA to sign closing docs for him. The Original POA was lost in the mail and another had to be sent. On the afternoon of XXXX XXXX, 2016, The Title Company received the Original POA and began to disburse funds. They hand delivered the check to Junior Lienholder on XXXX XXXX, 2016, and then called to get a daily per diem to payoff BB & T via XXXX XXXX XXXX. XXXX advised the Title co that the property had been sold that Morning XXXX XXXX, 2016 to a Third party ( local Investor-Non Owner Occupant ). We began to communicate directly with BB & T that Full Payoff was available if they accept the payoff. BB & T advised they could more than likely allow Us to redeem the property due to State of TN 730 day Redemption Period. Even IF we Knowing or Unknowingly waived our rights to redeem int he original Deed BB & T could work around this to accept Full Payoff regardless to Third party buyer. 
BB & T sent request to XXXX XXXX. XXXX XXXX advises me as of XXXX XXXX, 2016, that it is at the discretion of the Servicer and their attorney to allow borrower to redeem the property. 
XXXX XXXX XXXX do NOT want to approve XXXX XXXX for XXXX. I find it strange and unjust that XXXX should reject the actions taken by their client to work with Us. XXXX XXXX XXXX is not interested to accept Full Payoff. XXXX wants the foreclosure sale to stand in spite of my conversation with BB & T ( XXXX XXXX XXXX 's client is attempting to work with Us ) BUT XXXX XXXX XXXX do not want to work with Us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a negatively amortizing adjustable rate mortgage that I 've had since 2007. Since my loan, originally with XXXX XXXX XXXX, has been transferred to Nationstar, they have not been able to adjust payments according the terms of the Note despite my spelling the terms out for them. It is now time for another adjustment and I went to make my payment online and they 've adjusted my payment incorrectly again. I can not make my next payment on their website because the site gives me no option but to make the incorrect payment. 

I am also in the mortgage business and I am aware of others to whom this has also happened with Nationstar as their loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I paid off my mortgage balance with Nationstar Mortgage in XXXX XXXX t ts They They They sent me a payoff statement saying my balance was $ XXXXwhich included prepaid interest through XXXX XXXX of {$360.00}. Thispayoff statement said the daily interest was {$12.00}. 
I sent a cashiers check by overnight mail ( cost me {$19.00} ) on XXXX XXXX. 
I have written proof that Nationstar received my check on XXXX XXXX. It wawas signed for by someone named XXXX XXXX. I have written proof thatNationstar did not post my check until XXXX XXXX. I received a checkfrom Nationstar for what they called 'payoff overages ' on XXXX XXXX, XXXX {$97.00}. It would appear that they calculated my refund of prepaid interest based on the date they posted my check ( XXXX XXXX, 2015 ) andnot on the date they received and signed for my check ( XXXX XXXX, 2015. ) By my calculations Nationstar has not refunded me all of the prepaidinterest that is due to me. Based on their own statement that shows theinterest calculated at {$12.00} per day, I am owed approximately another {$60.00}. I have contacted them numerous times, both by phone ( once Iwas kept on hold for XXXX minutes ) and by mail. After over XXXX months thisissue still has not been resolved. My last letter from them was sent tome on XXXX XXXX, 2015. This letter contained convoluted double-speak. 
Nationstar claimed that 'the error asserted within my correspondencedid not occur on my account. ' But in the next sentence they say that'they have addressed the error with the payoff date being incorrect andwill have the corrected date reflect XXXX XXXX, 2015. ' Then they add that'furthermore, the notice and funds due if any will be sent in a separatecover. ' They do n't say when, how much, or even if ( for sure ) I will everreceive more funds. In the last paragraph of their letter, they say that 'I have the right to access the documents and relied upon in theirinvestigation, but because these documents are considered internalinformation, I need a subpoena or legally proper request to do so! 'This matter has not been resolved to my satisfaction. 




was sent on XXXX XXXX, 2015. 
XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I have a mortgage serviced by Nationstar Mortgage, I applied for an unemployment forebearance on XX/XX/XXXX and was denied in XXXX 2015, I appealed on XX/XX/XXXX and was denied on XX/XX/XXXX. The reason for denial was that I was told the investor ( XXXX XXXX ) denied because I had received a previous unemployment forebearance XX/XX/XXXX. I contacted XXXX XXXX on XX/XX/XXXX and was informed that they have no cap limitations on the number of unemployment forebearance requests and they had no record of Nationstar even requesting an approval of my request. I was only 60 days delinquent when I submitted my request and due to the complete lack of customer service and the lies I have been told by Nationstar I am now 5 months delinquent and facing foreclosure. They have been absolutely no help in trying to keep me in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Nationwide Debt Management Solutions, LLC
State: VA

Complaint narrative:
On Monday XXXX XXXX 2015 at XXXX EST I returned a phone call from a debt collection company called Nationwide Debt Management Solutions . An employee from the company answered the phone who identified himself as XXXX. XXXX began to give me information regarding my debt and the reason for the phone call. XXXX asked me to provide him my personal financial information and where I worked. I declined to provide this information as I felt unsafe to do so without receiving written notice. 

Abruptly another male employee jumped on the phone identifying himself as XXXX XXXX, Collections Manager, and demanded I provide the information XXXX requested or they would n't be able " help me '' with making payments. He threatened me that he would tell his staff not to provide me payments if I did n't give him my personal information. XXXX went on to use abusive and aggressive language by demeaning me by in a hostile tone, " you know your financial situation. '' " If you do n't tell us the information we need to know then we wo n't be able to setup payments. '' The harassment continued on with his bullying tactics and trying to scare me while the other employee XXXX did nothing. 

This company has XXXX complaints filed with the XXXX. Someone needs to take serious corrective action against this man and his company. It is not the Wild West and if I am held accountable to a low credit score due to my personal financial situation then unprofessional and harassing collections agents need to be held accountable for their unprofessionalism and abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BB&T CORPORATION
State: AL

Complaint narrative:
My complaint is against BB & T. The story begins back in XXXX of XXXX with my attempts to contact them to refinance my XXXX and XXXX mortgages because I knew that in the coming months I would not be able to afford both mortgages but might could if I combined them into XXXX. Despite numerous attempts on my part to get someone to contact me a out a refi, the time came when I was XXXX month away from having no more money to fall back on to make my regular payment. So I contacted their collection department to let them know about the impending doom. Since i was still current they could not help me, which I already knew but didnt know who else to call, so they transferred me to their loan modification department. I explained my story again and was told they could n't help me until I was already behind. I explained to them that XXXX Bank held the XXXX mortgage. They said do t worry about them because since they were in second position they couldnt take our house. When I finally had no other choice but to get behind I called their loan modification dept again. To make a long story short, after filling out the same exact paperwork XXXX TIMES and having them tell us on the XXXX XXXX attempts that they never received it, on the fourth attempt my husband stayed on the phone with an actual person until he received it via fax at which point we were told foreclosure had already been started and there was nothing that could be done. OF COURSE NOT!! 
Since that time which by this point was I think late XXXX, keeping in mind that I had to file BANKRUPTCY in XXXX to make this " go away '' or so I thought. Since that time they have " foreclosed '' on this house XXXX TIMES, didnt know that was even possible. XXXX of which were after I filed the chapter XXXX BK and they did send letters to us and run our names in our local paper each time. At the third attempt of their attorney contacting us, we had an attorney friend of mine send them a cease and desist letter. To NO ONE 'S SURPRISE they changed lawyers and contacted us AGAIN. They are going to run it in our local paper AGAIN! 
I will say this with 100 % honesty ; if I had known back in XXXX that it would take them this long to get their ducks in a row, I would have just lived for free in that house and AT LEAST it would not be in the shape it is in after having set for FIVE years basically unattended. 
This is ridiculous! It is unprofessional to say the least! I have NO CLUE how it is not perceived as harassment because LET ME ASSURE YOU I feel harrassed! Especially after I made every good faith effort I possibly could to work this debt out before it got to the point it did. 
The damage has already been done to me and my family by these .... People! Please investigate their heinous business practices and stop them from doing this to others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: DC

Complaint narrative:
I purchased a vehicle in XXXX XXXX. The vehicle was totaled on XXXX XXXX, XXXX, and the bulk of the loan was paid by XXXX XXXX on XXXX XXXX, XXXX. The remaining balance was covered by GAP insurance, however, the GAP insurance company needed information from the lender to payout the claim. From XXXX to XXXX, I contacted the lender several times in reference to them submitting the requested information for the GAP claim, however, they never responded. Instead, I would receive infrequent calls from their collections department demanding payments. In XXXX, XXXX, I spoke with XXXX in upper management after receiving a collections call and she indicated that she was not sure why the requested information was not sent to the GAP insurance company. She submitted the information to the GAP insurance company and the claim was immediately paid. I received a refund from them for monies paid towards my down payment for the car, and an adjustment of the late payment fees, However, they are reporting and verifying to the credit breau that I was six months late on my payments.

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 2016-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
on XXXX/XXXX/XXXX my mortgage company received my XXXX/XXXX/XXXX mortgage payment. They reversed the payment and applied to the principal because as they explained I could not be ahead due to my bankruptcy. They never notified me of their actions. I continued to pay every month. At the end of XXXX when my bankruptcy was over I get this call asking for the XXXX XXXX payment which I had just paid. As we argued the gentleman stated I had bounced my payment for XXXX/XXXX/XXXX. After investigating the matter they found they had not serviced the account correctly however they refused to correct their error. I was not ahead I was on time. I have been charged late fees which they collected from the extra amount I was sending to apply to the principal. Instead of reversing the payment that they applied incorrectly and making current, they now are offering to accept a short sale or I can sign my house to them in lieu of foreclosure. The bank in question is Select Portfolio.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
My Mortgage load provider " Nation star '' did not pay second tax installment for year 2012. I got notice from XXXX XXXX County Tax clerk saying that the tax for 2012 is sold and tax redemption needs to be done quickly and they had put in lot of penalties. I informed my mortgage company is not helping and not acting quickly to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
My mortgage company, Nationstar Mortgage, is setup to direct bill/pay my insurance through my escrow account. For many years this has been happening without issue. Apparently in 2015 as of XXXX my insurance was canceled due to none payment. The insurance company issued Nationstar a cancellation letter indicating payment must be received by XXXX XXXX to avoid cancellation. Instead Nationstar submitted payment on XXXX XXXX. The insurance company returned the check to Nationstar on XXXX XXXX and Nationstar did not mail the check to me until XXXX XXXX. I called Nationstar today to find out why they mailed me this check, they said they had no idea, asked if there was a claim or an incident. I said no, then continued to say they have no idea and suggested I deposit it and return the money to my escrow account just in case. I then called the insurance company myself and discovered Nationstar paid late and therefore my policy was canceled. The insurance company had an old mailing address so they did not notify me, however Nationstar has my current information and they not only did not notify me, but they are unaware that my insurance was canceled 5 months ago. My insurance lapsed in XXXX and my mortgage company still has no idea in XXXX. I am actively pursuing a new policy now but I do not want to be responsible for the high cost of Lender placed insurance because Nationstar messed up, again. This is my second complaint with the CFPB and I can not emphasize enough how discouraged I am with Nationstar as my mortgage company, and I am often greatly dissatisfied with my service and customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: AL

Complaint narrative:
I am writing because I agreed to allow XXXX be my home insurance provider in XXXX XXXX at a set quote of total around {$1300.00} for XXXX XXXX XXXX. In XXXX XXXX, XXXX hired a XXXX party to do an " inspection '' or " to access '' my house. The XXXX party did not do a good job and misled XXXX on my insurance policy. XXXX then increased my policy to more than XXXX of what it was, without due process not notifying me. This has caused for my insurance company to add an additional {$200.00} per month to my mortgage per month, for the period of XXXX XXXX XXXX XXXX. I am about to go into foreclosure because of this. I have contacted XXXX since I received the XXXX party evaluation and they refuse to correct this. The evaluation stated that I have XXXX garages and XXXX doors and other mistakes which led XXXX to believe that they should XXXX the policy. However, the evaluation also included pictures of my house which proved otherwise. I have contacted XXXX and they are telling me that based upon the sq footage that they received from the XXXX party that my policy was wrong, but I was not told of this from XXXX until XXXX XXXX. I need a refund of the " new amount ''.

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