vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
On or about XXXX Borrower sent NationStar a QWR requesting an accounting of the roughly {$19000.00} missing upon transfer to NationStar. NationStar did not respond adequately. Instead, a representative from corporate incorrectly asserted borrower as in arrears a total of XXXX payments and owed the sum provided. -the matter remains unresolved. 
On or about XXXX a Qualified Written request requesting the same clarification with an additional request to resume normal mortgage servicing upon voluntary dismissal of the bankruptcy was not acknowledged. QWR followed again in XX/XX/XXXX. No acknowledgment. 
On or about XXXX correspondence was received. The correspondence received verified the error as it listed payment due dates from XXXX to XXXX ( accurate ) adding up to {$12000.00}. 
Correspondence dated XXXX also listed a total due of {$31000.00}. This amount subtracted by {$12000.00} is roughly. {$19000.00}! -- the missing payments. 
The advantage of filing Chapter XXXX, although presently voluntarily dismissed, is court supervised and accounting of all payments are undisputed. Factually speaking, a total of {$100.00} of payments were disbursed to the investor on the note. What happened to all these payments? 
Next, upon filing of petition, borrower was not behind. Bankruptcy was filed for reasons other than cram down. Cram down was incident to other matters and therefore, motivation for filing was not because borrower was behind but incident to other financial matters requiring restructuring. Petition clearly demonstrates that borrower was not behind Another QWR followed in XX/XX/XXXX. A letter was previously received in XX/XX/XXXX. Another letter was received in XX/XX/XXXX requesting extension on QWR. 
On or about XX/XX/XXXX a letter was received which states and I quote, " NationStar Mortgage LLC is in receipt of your verbal complaint of XX/XX/XXXX regarding the mortgage loan described above ... The complaint was not verbal, in fact it was made expressly in writing in the format required by the Federal Government and CFPB. An express complaint was also submitted to the CFPB and no acknowledgment of this has been provided by NationStar to date. 
Correspondence dated XXXX further states, " We have conducted an investigation and it was determined the error you asserted did not occur on the account. '' ... " You are XXXX payments delinquent. '' Well if that 's the case then what happened to the money XXXX payments unaccounted for upon transfer to NationStar Mortgage? 
Next, the letter dated XXXX demonstrates sloppy research. The letter references the original petition in bankruptcy and it provided a copy of the same. The original petition in bankruptcy is not the final legally enforceable terms of the modified payment in bankruptcy -- the confirmation plan is. I 've attached the same to this formal dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Mortgage Company can not prove they have legal transfer of the Mortgage and have denied XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX due process and have filed for foreclosure without negotiating some type of alternative arrangement with me relative the house. I was never subpoenaed for the hearings and they have engaged in an illegal foreclosure process. They have tried to take the loan by illegally offering to pay debtor {$10000.00} then revoking the offer once they could not prove mortgage ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In the year 2009 my business income volume decreased almost 75 % I was diagnosed with a XXXX due to all the financial difficulties, at the same time my husband fell ill and had to go under XXXX XXXX and we had to live on credit cards to be able to make ends meet. My credit got overextended and we where not able to afford the terms on the credit cards and also it caused to default on the mortgage monthly payment. We requested a short sale and placed our property on the market for almost 6 months and have shown the property numerous times with no luck. Because my income has dropped considerably I can no longer afford the terms of the original loan and as a loyal customer I 'd like to ask for an affordable loan modification to real market value and a lower interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My mortgage company Nationstar is threatening foreclosure on my house due to what they believe my account is a payment behind. I went through a modification which trial payments begun XXXX XXXX 2015, I made my payments on the or around the XXXX of each month towards my payment due on the XXXX. XXXX of 2015 Nationstar started sending me notice and calling saying my account was past due. I have been trying since XXXX 2015 to resolve this issue but Nationstar is neglecting to try and resolve the issue. I call, I send letters, I email but still cant seem to get someone to look into this issue and resolve it. I believe they are trying to wrongfully foreclose on my house. I have spoke to XXXX attorneys and they have advised me to check out respa and to try and work out with Nationstar first, that it could simply be an error in paperwork some where along the way. So I am just at my wits end as to what more I can do to get this resolved as Nationstar is making communication with them difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
My daughter was allowed to open a checking account as a personal account at the age of XXXX, without a parent or guardian being required a co-account holder. I was with my daughter when the account was opened and i specifically asked if this was permissible and was told by representative that it was. Her account fell negative multiple times and over a period of less than a year had been charged many many Insufficient funds charges / fees. Where as a parent i felt i was not given the notifications i should have been receiving to coach or even intervene on her behalf but was not allowed because she was the only XXXX named for this " XXXX Account ''. I feel XXXX % the representative did not fully disclose information that made these things clear, and i absolutely feel that despite i was present when then account was open that someone should have disclosed to me in writing with my signature that " I her parent '' was relinquishing my rights to represent my child by all definitions " a minor ''. We have since sought services from another banking institution which is where i learned that by our governed law in the state of XXXX she must have someone over the age of XXXX on a checking account with her as a co-account holder. I feel very cheated by BB & T and i am requesting all her funds be returned to her and that any and all reflecting negative marks that would affect her credit history be stricken from this account.

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 2016-09-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I had my original mortgage with Quicken Loans and then refinanced twice. This last time was the worst of XXXX bad experiences. 

Each time I communicated with Quicken I was given conflicting information leading to mass confusion. I think Quicken is engineered to confuse. I believe they do this to maximize their fees. I have kept a journal of each person with whom I spoke. No one was willing to put the results of the conversation in writing so I could prove the discrepancies in speaking from XXXX person to the other although the calls are recorded by Quicken. 

Finally, after closing the loan in XXXX, I received a statement on XXXX XXXX for an XXXX payment that was not correct. It was the payment based on my old loan and was more than {$200.00} than my current loan should be. I called and spoke to XXXX. She told me the statement went out before my new payment was calculated and that " You do not have any payment in XXXX. '' On Friday, XXXX XXXX I received a statement for a payment due XXXX XXXX. I called and stated I was told no payment was due. I spoke to XXXX XXXX in " senior management '' who told me indeed the XXXX payment was due XXXX XXXX. I had a sense he did not believe me that I was told otherwise by XXXX and I found him abrasive, at best, and cutting me off in mid-sentence. 

I did not budget for an XXXX mortgage payment and having a week 's notice imposes a budgeting hardship.I think Quicken should assume some responsibility for this mistake. Waiving the interest for XXXX seems reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I had a shortage in my escrow account so an analysis was done in XXXX and my payment was going to increase effective XXXX 2016. I did end up paying a portion of the shortage in XXXX 2016. On XXXX/XXXX/16, I requested that another escrow analysis be run since making that escrow deposit. The analysis was run and my payment was going to be lower than projected but around XXXX higher than my current payments. I am fine with the increased payment, however, Nationstar said that the increased payment was due immediately. They gave me no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: MI

Complaint narrative:
For the last two plus years I have been trying to get a loan modification from PHH Mortgage. In the beginning it was XXXX XXXX who sold my mortgage to PHH. I submit the required paperwork only to be sent a letter that states my packet is missing some document. I resubmit all the required documents ( which I did the first time ) only to again receive a letter that states the same thing that I am missing a documents. I was notified XX/XX/2015 that my home was going to be sold at a sheriff 's auction. My lawyer again submitted the paperwork, only to have the date postponed until XX/XX/2015. We were told they were looking everything over and that the sale was postponed until XX/XX/2015. I was under the impression that this would not go through as they finally acknowledged they had everything needed but no response from them and on that date my home went into foreclosure with them never once offering me a modification. I want a modification and do not want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: IA

Complaint narrative:
I was lied to by quicken loans about a credit inquiry. I asked for information regarding loan rates and general information before even applying for a loan or having my credit pulled. I was told that a hard credit pull would not happen but they needed to collect some general information to run scenarios. I was just simply trying to explore possible solutions to my wants. This company explicitly lied to me and when i contacted them they said that i consented to a credit pull so they did nothing wrong. I spent an hour yesterday with them and another hour on the phone with XXXX and quicken loans and both companies tell me they ca n't remove it. I did n't even get a rate or discuss anything that i was looking into doing with my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
XXXX Transferred my checking account to BB & T. However they did not send my savings account. In the transition they set me up with a new BB & T account login online, but did not provide me with the information or attach my email. The settings on my checking account were not carried over. 
XXXX Account : Overdraft protection - Would not allow transactions that would overdraft my account. Would transfer money from savings if an overdraft occurred. 
BB & T Account : allowed account to continue to go negative, assessed me {$180.00} in overdraft fees in XXXX dayI was not able to go online to monitor my account, I called XXXX times in XXXX days to get assistance with logging in online and was on hold for over XXXX min each time before having to hang up because I was working ( working XXXX hour days for a project ) Was told debits and credits would be transferred between accounts. However when my company attempted to deposit my check it was rejected. As you can imagine I am not a happy customer of either XXXX or BB & T for being so thoughtless to the customer. I wanted to go close my XXXX account on XXXX before the transfer, since I opened a XXXX XXXX account to use, and to my surprise all of the XXXX branches were closed and I had no way to close it. 

I want all of the debits and anything to stop hitting this account. I want for everysingle overdraft fee to be refunded. I want to pay the balance that was actually paid on my behalf and I want this account closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
So I have sent several letters to the credit bureau regarding XXXX accounts that are reflecting negatively on my credit report, XXXX of the accounts is XXXX, I have disputed stating that the account is inaccurate and I would like for it to be deleted, However the credit bureau sent me a letter stating the verified the information, I then asked for their verification method along with any documentation that they recieved to match it against my records, they did not provide that information, I then asked for information from them to find out who they spoke with and how did they speak with them, They still in return did not send me any information and continued to say that they verified the information but has yet to tell me how. Another account would be XXXX, I sent a letter along with a check to XXXX asking them consider the account closed and paid by cashing the check that they received, They cashed the check which mean they agreed to remove the account and consider it paid, I sent the same method and information to the credit bureau requesting the account to be removed and they have not removed it and stated that they verified the information, of course, I asked for proof and any documentation along with the representative that they spoke with and they were not able to provide that information to me. I sent check # XXXX in the amount of {$45.00} and it was shown that it was cashed by XXXX on XX/XX/2017. 
Another account would be a bankruptcy listed on my credit report, the credit bureau sent me a letter stating they verified it through XXXX, I then spoke with XXXX on XX/XX/2017 at XXXX and the Representative XXXX told me that no one has called or sent in any documentation to verify anything with XXXX on behalf of me, So I am not understanding how they claim to verify a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hi my name is XXXX, Iam writing because I have medical issues that interfere with me constantly checking my account. I signed up with email and text notifications to alert me of any, including overdrafts I may incur due to the banks inaccurate online statements of available balances. Well Friday I was highly upset due to not knowing I had insufficient funds in my account. Yes I am now aware that merchants do n't necessarily take funds out according to the order in which they were made. So at the time, I thought I had a balance in my account. The problem is the transaction happened Wednesday and I did n't receive an overdraft notification until Friday at XXXX in the morning. If the notification was sent at a more accurate time to allow me time to cover the funds, I would have done so before XXXX the prior day which is what a bank representative told me, would prevent the overdraft, but clearly if my balance is showing overdrawn not to my knowledge, the reason for signing up for notifications is pointless. Please help in this matter as I am never able to make resolve with my bank. I was charged an iverdraft fee and would like a refund due to the lack if the bank not notifying me or allowing me enough time to cover the fee like their policies state. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: WI

Complaint narrative:
Our auto loan company, Regional Acceptance Corporation, calls us XXXX times per day. They also call our work and they 've been told not to. We set up payment arrangements with them but they continue to call. I also told them I work XXXX shift and sleep during the day. They usually start calling around XXXX I will attach the letter I wrote to them this morning that specifies more details.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I have filed this complaint with ; HUD, Making Housing Affordable, FBI, XXXX, XXXX, XXXX XXXX XXXX XXXX, Federal Trade commission, American Bar Association, XXXX Attorney General and I 'm sure some other agencies. I just found this out today so these agencies have not had a chance to contact me back. I got a letter to vacate the premises today so time is of the essence I just need someone to help me. 
I was contacted by XXXX XXXX XXXX XXXX out of XXXX XXXX after I was online looking for a company to help me avoid foreclosure on my VA loan. They asked me if I did a load modification with my current mortgage company and I said yes, they told me my mortgage company was under a class action lawsuit and I could avoid foreclosure as well as end up with a settlement under the dodd-frank act. They asked me if I had equity in my home and I said yes about $ XXXX, they said that is probably what the bank was after to gain. I gave them XXXX that day and they sent me paperwork to do. I did it but they kept saying they did n't get it. Yesterday I was contacted regarding my payment bc they do n't take XXXX XXXX and she wanted to know if I could use the same visa I had been using. Today I found out my home had been sold. I had no Idea. I contacted the law group and it was apparently news to them too, then she called me back and said a letter was mailed on XXXX XXXX that they were dropping me as a client due to incomplete paperwork. I told her I have sent in my paperwork numerous times, she wanted to see it, so I faxed her the copies of the multiple emails I sent. I then called back to see if they received them no one answered the phone on any number I dialed before for the rest of the day. I am a 12 year XXXX Vet, I 've been on XXXX XXXX, XXXX XXXX XXXX. I am a sinlge mother of XXXX children. I bought this house with I was XXXX years old and I ca n't believe this has happened. If someone, anyone can help me please do!! I am at a complete loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION
State: SC

Complaint narrative:
I sent in information for a loan modification. The person who was handling my loan modification left the company. Now my calls are not being returned. My check was returned and my loan is now in default. Also, while I was waiting for an answer to my loan modification, a second signature was requested for the tax form. I have requested a loan modification in the past, ( I cancelled the loan modification because I did n't agree to the terms ) and I did not have to have a XXXX signature. It clearly states on the form that a XXXX signature is not required. I have called the company several times, and they have refused to return my calls. I have no idea why they are refusing to talk to me. I do n't understand it. I ca n't be that bad of a customer. I am not mean or rude to anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: MN

Complaint narrative:
I received a loan for the purchase of my vehicle from XXXX XXXX Bank. I setup an autopay account with that bank. XXXX XXXX sold its auto loan portfolio to BB & T. XXXX mailed me a letter indicating that that it sold my loan to BB & T, which in turn, would be serviced by " XXXX XXXX XXXX XXXX / XXXX. XXXX XXXX / XXXX, Texas XXXX / Phone : XXXX '' XXXX 's letter indicated that BB & T and/or XXXX XXXX would be mailing me a " Welcome Package '' indicating how I could setup autopay. I do not know my account number and can not pay the loan. XXXX XXXX continues to call everyday. I 've asked that they either mail or email me instructions for setting up electronic payments, as I do not feel comfortable handing over this information to someone whose identity I have not been able to verify over the phone. I have not yet received this information, yet BB & T / XXXX XXXX continues to call daily.

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