vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
I 'm a Dodd-Frank Wall Street Reform Act participant. I watched the Federal Bill since XX/XX/XXXX as signed by President Obama. My EHLP # XXXX. I 've requested a number of updates to XXXX County Judicial Court from the Federal government including my last request for legal assistance to remove a Judicial Court Judgement. I submitted under the following CFPB complaint # XXXX from the VA location at XXXX XXXX XXXX, XXXX, MN XXXX. However, after further review, allegedly CFPB assigned a file # of XXXX. I know my XXXX. Please check both CFPB files. 

I was XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX address of my Federal/District Court Briefcase dated XX/XX/XXXX which included my CFPB user ID & password. Can you contact my email on file or telephone XXXX with password? CFPB staff wo n't allow me to access a critical Judicial Court file without an accurate User ID & & & password. Please email reply with a password change " authorization code ''??? 

These District Court Judgements which amounted to $ 20,000+ which prevented my ability to sell my home at XXXX XXXX XXXX XXXX, XXXX , MN XXXX for a reasonable equity profit. I must ask CFPB legal to intervene, & contact XXXX County District Court Administration to remove XXXX and XXXX from my credit bureau record and XXXX County District Court records. I WILL PROSECUTE entities who obstructed Federal Court decisions against XXXX credit card abuses as adjudicated by CFPB Court decisions. Please reply with my assigned password assigned to either XXXX or XXXX? 
Email XXXXXXXXXXXX & XXXXXXXXXXXX - I will seek Federal Court remedy!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I open a bank account with BB & T on XX/XX/XXXX account # XXXX. I opted in for ACH check overdraft review but specifically instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions. On XX/XX/XXXX, I closed the above mention account number because the account had been compromised and opened a BB & T Bright Checking Account ending in XXXX. The representative that assisted me was XXXX XXXX NMLS # XXXX at the Branch located at XXXX XXXX XXXX XXXX, NC XXXX. Again I instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions but to opt in ACH check overdraft review only. On XX/XX/XXXX I went back into the branch to speak to XXXX XXXX and advised him that I thought that I had inadvertently made over draft changes, on the voice response system on XX/XX/XXXX, for debit card overdraft review and wanted to make sure I cancelled it and to instruct BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions when there are not have sufficient funds in my account. I was assured by XXXX XXXX on XX/XX/XXXX that I was only opted in for ACH check overdraft review only and opted out for ATM and debit card transactions and no overdraft changes had been made. On XX/XX/XXXX, I was charged {$100.00} for XXXX debit card transaction fees, {$36.00} each for debit card transactions authorized when there were not sufficient funds in my account. I spoke to XXXX XXXX on XX/XX/XXXX he advised that he had misinformed me on XX/XX/XXXX about the overdraft changes because it takes three days to show any changes authorized on the voice response system, so he would not have seen the change, on the day of our conversation XX/XX/XXXX, that could have taken place on XX/XX/XXXX, because it would not have shown in his system until XX/XX/XXXX. I told him I need to be credited to my checking ending in XXXX for the bank fees charged to my account by no fault of my own since I had instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions when there were not sufficient funds in my account. XXXX XXXX advised he could only credit XXXX bank fee of {$36.00} on his level and that he would have to submit the other XXXX bank fees totaling {$72.00} to his superiors for credit and he would call me back but I have not heard anything from him and my money has not been credited back to my BB & T Bright Checking Account ending in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
I am making a compliant on Select Portfolio Servicing , Inc., regarding my loss mitigation process. Back on XX/XX/XXXX, I requested for a loan modification and since then, all SPS has offered was giving me the runaround with request of the very same documents they have already received. And I ca n't began to tell you how many times I had to start the loss mitigation process over again as SPS would let the requested documents submitted age out and then put the blame on me stating they did n't receive them. I never got a call nor did SPS send me a letter describing what additional documents they needed to move forward with review of my loss mitigation. And they did not ever send me any updates on the status of my review for loss mitigation. 

The date I last submitted documents requested by SPS was on XX/XX/XXXX and I still have n't received any outcome of that loss mitigation, not to mention these were the same documents I have sent in multiple times so I feel that SPS has intentionally prolonged the review process. 

However, SPS did n't have a problem sending me a default letter dated XX/XX/XXXX wherein it 's stated there are options available for me to stay in my home, one of which is loan modification. This is not only confusing but it is deceptive, abusive and unfair. I have diligently provided any and all documents requested by SPS yet without completing my latest review, XXXX XXXX from SPS in a phone call on XX/XX/XXXX, stated that my account has been referred to a foreclosing attorney. How can they be reviewing me for loan modification at the same time they are initiating foreclosure? As I understand it, this is Dual Tracking and it is illegal. 

My hardship started when my husband XXXX got ill and since, he has unexpectedly passed away. This has been devastating for me and my son this past year. I am doing my best to cope with each day without the additional heartache of having to deal with SPS on a matter which should be pretty cut and dried. They are grossly negligent in their process of reviewing me for loss mitigation and I feel they have no system in place to follow the rules and regulations of CFPB or they just do n't care. SPS seems to take no accountability for their actions and I feel how they treat borrowers like me is of no importance to them ; that they are completely insensitive to the chaos they cause in one 's life by all the misinformation and the runaround from the account representatives. 

I kindly request that I be awarded a loan modification as SPS has failed to review me in a timely manner and they did not follow the process of loss mitigation by following the Making Home Affordable guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX as the XXXX mortgage on this file, we have requested a copy of the valuation from the XXXX mtg Nation Star through the listing agent, and they have refused to cooperate and we are talking a larger loss and have a different valuation. The agent has sent XXXX emails with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I believe that I was charged an overdraft fee by BB & T when my account had the funds to cover the charges made. I made a purchase on XXXX, XXXX transactions on XXXX, and XXXX transactions on the XXXX. When I made the purchases on the XXXX and XXXX, I had the funds in my account to cover these purchases. As of XXXX, the transactions made on the XXXX and on the XXXX moved to posted ; meanwhile, the transactions made on XXXX were still pending. BB & T charged me XXXX separate overdraft fees of {$36.00}. XXXX overdraft fee for each purchase : the transactions made on XXXX and the XXXX on XXXX.

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 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
We obtained a loan with Nationstar Mortgage LLC. A Deed of Trust was recorded on behalf of Nationstar in relation to that financing ( on or about XXXX XXXX, XXXX ) ... but on XXXX XXXX, XXXX there was an additional Financing Statement recorded on behalf of Nationstar. Please see attached preliminary title report. We are now trying to refinance with a new mortgage company and can not get Nationstar to release the UCC # 3 document which would release this XXXX lien they recorded on our property. We believe that they mistakenly or fraudulently placed this XXXX lien on our property. We have tried to obtain the UCC # 3 document from Nationstar since XXXX XXXX, XXXX. We have contacted them numerous times by phone and email and they give us no reason why they cant give us the UCC # 3 document or why the lien was even placed on the property. The individuals that we have been in contact with are no longer answering our requests. No one will call us back and no one seems to know what is happening with our request. In other words, I feel like we are getting the run around from Nationstar. More details can be provided if necessary along with names and email addresses of those individuals we have been dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
In XXXX of 2014 I moved out of state and put my home up for sale. After almost a year of not receiving any offers, my realtor suggested that we do a short sale. In XXXX of this year, we received an offer and I filed an application with Quicken in XXXX for them to give approval for selling the home below the loan amount. I was told that I would first have to go through the application process to see if I can stay in the home. I told them I had already moved out of state and had no interest in keeping the home. They insisted that there is no way to skip this step and that I would have to wait a month for that portion of the application process to be completed. After submitting documents to them on several occasions, I was finally given an answer two months later in XXXX that my application was rejected. In the meantime, the buyer for the short sale walked away from the sale. They then asked me to submit the same exact application to be considered for a short sale. I resubmitted the application in XXXX. I was told that it would be another month to process. Then, if they accept to short sale the home, I would have to put the home on the market for another 120 days. If, in that time, I receive an offer that is below the acceptable amount, I would have to wait for them to do another review to consider accepting the offer with could take another month. In the meantime, I am still expected to pay for a mortgage I can not afford. In all, I would have waited almost 9 months for them to make a decision. Also, I could still be rejected for the short sale of the home, I would still be expected to pay the mortgage after waiting so many months to get some help, which this company is obviously in no hurry to provide. Every time I ask when the process will be completed, they refuse to give me a date, so I am waiting in limbo with no end in sight. There is no urgency by this company to help its customers. This process almost guarantees that the homeowner will face foreclosure. If I had known this, I would have stop paying the mortgage over a year ago and saved myself the time and effort of trying to submit all the documents and expecting a decent response from the company. It would have saved me thousands of dollars and all the headaches since they are going to force a foreclosure anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
After denying the loan modification appeal, we received XXXX letters from Nationstar on XX/XX/XXXX. In those letters, they offered alternatives to foreclosure and hold ( stop ) the foreclosure scheduled for Monday, XXXX at XXXX. I immediately called Nationstar and spoke with customer service representative named XXXX. We discussed the alternatives, and due to the current situation, we decided to move forward with the Short Sale. XXXX made notes on her system that we were doing the Short Sale and advised us to hire a realtor. We hired a real estate agent to proceed with the short sale and initiated the process on XXXX last week. On Monday our realtor initiated the Short Sale on XXXX and were advised that a short sale negotiator will be assigned shortly. However, Nationstar " changed their mind '' and activated the foreclosure procedure with a short sales process initiated on XXXX denying us the opportunity to move forward with the Short Sale. 

XXXX also offered a One-On-One meeting with a Nationstar representative within the next 14 days ; however, we learned that on Tuesday, XX/XX/XXXX that was denied without communication that to us. 

The fact that we filed for BANKRUPTCY along with the slow and lengthy procedures that XXXX XXXX XXXX and Nationstar delayed the loan modification process and accrued several months of payments and put us a very precarious situation. It seems that now we are being punished for filing bankruptcy and not allowing us to short sale the home. 

It 's important to note that we have NEVER requested a Short Sale before. Our utmost intention was keeping the home but we were left without that that option after the procedures that Nationstar has placed setting us to fail. 

As borrowers, we have the rights to an alternative to foreclosure as established by HAFA. They are not following the proper procedures to get this situation to an orderly close. They are taking short cuts and violating our consumer rights. 

It is important to note that we have called Nationstar every day and more than once. XXXX XXXX XXXX who signed one of the letters was supposed to get back to me on Monday ; however, she is not answering my calls and other customer representatives are being evasive. 

We will highly appreciate your assistance in obtaining a postponement on the foreclosure and we can move forward with the Short Sale which will minimize the financial and emotional impact that a foreclosure will have in our lives. Additionally the Short Sale will benefit Nationstar and the trustee by obtaining a much higher sales price than the foreclosure sale. 

Looking forward to a favorable resolution to this unfortunate situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: SD

Complaint narrative:
Nationstar Mortgage discontinued sending my monthly statements two months ago for no reason. I have contacted them several times only to be assured that they will be promptly continued, then nothing happens. Their customer people are rude and unhelpful. In reading their reviews online, it is apparent they are doing this to many other clients in an attempt to generate more late fees. I am hoping you can help me with this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
BB & T made a mistake and will not correct it.

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 2016-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
Good afternoon! I would like to file a harrasment and discrimination complaint. 
Last Tuesday I filed a complaint for SPS, inc, their representatives/relationship managers ( rel m, ), and their employer, XXXX XXXX. We were having a hard time receiving an answer for a short pay off offer we made a month ago. Today, for the first time in all this time I 've been trying to reach her with no luck, I receive a phone call from my assigned relationship manager, the one I never found every single time I called. Saying the offer was denied by the owner of the property ( XXXX XXXX ). I was shocked and asked why so soon, last Monday they said it was going to take a week ; what hapenned? She said that owners said NO. I asked her a couple of things, because I was told by one of the rel. m before, that in case our offer was n't accepted they will suggest what they thought was a reasonable amount for us to consider as a better pay off and I was ok with that because at the time we only had a specific amount, not more. So we were preparing even for that. I kept asking why if I was told at first that our case goes directly to a specific Collateral file team Department, why after that, it was also sent to owners? She said the SPS team had the case almost for approval but their boss wanted to show it to XXXX XXXX for them to decide, and because we stood by our only one offer and not more, they said no inmediately, and wanted the house to go on with foreclosure. SPS, inc analized the case and was about to give us ok to go on with the deal, but received a NO from the owner XXXX XXXX, ( I do n't even want to think was because of our complaint, they prefered not to help ). She even said that it was true, sometimes XXXX XXXX and other employers, come forward with a higher amount, and takes them a couple of days to decide, but this was a No at first. We would definitely like a reconsideration and hope they are not receiving offers from others to buy the property at a better price. That 's harrasment, not giving us opportunity after all we 've been thru.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: ME

Complaint narrative:
NationStar Mortgage increased our monthly mortgage payment without notifying us. When I called, I was told that the payment increased in XXXX, 2016. We have been making the same payment each month and now have a past due amount showing on our statement. Their customer service representative could not explain anything she had no idea what she was talking about, just kept saying " payment increased in XX/XX/XXXX ''. I asked to speak to a manager and was put on hold for 45 minutes at which time I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
I have been trying to Refinance with HARP since XX/XX/XXXX. Nationstar mortgage Loan Specialists said I was one payment late in XXXX XXXX. On XXXX XXXX, XXXX, made XXXX payment and on XXXX XXXX, XXXX made the XXXX payment. The late payment in XXXX made me not be eligible at that time, since It has not been within a year. She advised me to call again and to try again in XXXX or XXXX when the 1 year is up and eligible with XXXX late payment guidelines from HARP. On XXXX XXXX, XXXX, I called Nationstar to refinance with HARP, now their saying I 'm not eligible because I did not caught up on my late payment till XXXX XXXX, XXXX I made XXXX payments. That I have to try again in XXXX. Also, I received a letter saying that I have late fees on my account for {$580.00}. I have been paying my mortgage on time or at times with late charges of {$9.00} Nationstar late fee charges, after 7 days if payments are not made on the XXXX of the month. I do n't see an explanation on my transactions not even in my monthly billing statements in regards to {$580.00} late fees.

Company response to consumer: Closed with explanation