vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
For over a year I have been writing and disputing 30 day delinquency with BB & T. I also went into one of their banking centers and Noone could help me. It 's sad when consumer pay bills consistently online and something apparently happened on their end that caused me to show XXXX delinquency mark. I am frustrated and tired of financial institutions taking advantage of people like myself. This is effecting me negatively. They need to correct the reporting of this information. I have NEVER been late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants and Medical Credit Corporation, Inc.
State: ME

Complaint narrative:
Merchants and Medical is attempting to collect debit on a XXXX card. The principal is {$29.00} and they are trying to collect {$280.00} and or settle for {$170.00}. I told them i am willing to pay what I owe in principal and some late fees. We had moved and XXXX only attempts to notifiy us was by way of postal mail. Merchants and Medical agent is very rude and made comments regarding my personal financial state outside of the debt they are trying to collect. Stating that we are probably paying high car interest rates as well because we do not pay our bills. The status of my other bills are not their concern nor should they comment on them. This is clearly a game they play which needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Select Portfolio Servicing ( SPS ) is a predatory lender and will not allow me to refinance my home even with excellent credit. I should be able to get a modification or refinance my present loan and move to a fixed rate mortgage. SPS does everything it can to prevent people from modification or refinancing at a lower rate. Operators answering the phone insist they are not a mortgage company yet they hold mortgages on homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
On XXXX XXXX, 2016 I signed the contract to buy a property from XXXX. I justifiably relied on QUICKEN LOANS representations that it would supply the XXXX realtor with the appropriate VA Amendatory Clause and escape clause. However, QUICKEN LOANS supplied the realtor of XXXX with a VA clause that is categorically false and without an escape clause. The QUICKEN LOANS clause includes language that is materially different than the Department of Veterans Affairs ( " VA '' ) requires, to wit in relevant part : "... UNLESS THE PURCHASER HAS BEEN GIVEN IN ACCORDANCE WITH HUD/FHA OR VA REQUIREMENTS A WRITTEN STATEMENT ISSUED BY THE FEDERAL HOUSING COMMISSIONER, DEPARTMENT OF VETERANS AFFAIRS OR A DIRECT ENDORSEMENT LENDER, SETTING FORTH THE APPRAISED VALUE OF THE PROPERTY OF NOT LESS THAN [ the agreed upon purchase price ] ''. 
This language directly contradicts the language required by the VA in relevant part to wit : ".... if the contract purchase price or cost exceeds the reasonable value of the property established by the Department of Veterans Affairs. "

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NM

Complaint narrative:
I have a {$100000.00} mortgage with Nationstar Mortgage for a condo that I purchased in XXXX. In XXXX XXXX, Nationstar added a force placed insurance policy to my account in the sum of over {$20000.00} raising my payment from {$640.00} per month to {$3000.00} per month. I am fully insured, and there was no reason for Nationstar to add this insurance policy to my account, and absolutely no reason to add such an expensive policy - I could insure the entire subdivision for {$20000.00} per year. I have contacted Nationstar by telephone on three separate days, and have spoken to numerous customer service representatives, all of whom have failed to assist me, and all of whom have refused to transfer my call to a supervisor. I have faxed and emailed the XXXX pages from my personal homeowners insurance policy, and my HOA 's insurance policy to provide proof of insurance. Still, I can not get Nationstar to change the insurance information on my account. Nationstar has not applied the funds I sent for my XXXX payment, and has those funds in suspense because the records state that I did not make a full payment of {$3000.00}, but made my regular payment of {$640.00}. I am now facing having a negative report sent to the credit bureaus as my account is past due. I do not know how to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BB&T CORPORATION
State: PA

Complaint narrative:
Sent tow truck onto private property to reposess car. 
Tow truck driver acted on behalf of Susquehanna by advising me of an incorrect amount I needed to pay to get my car back. 
Tow truck driver acted on behalf of Susquehanna by telling me he could not leave property without taking car. 
Susquehanna violated their own policy by repossessing car after only XXXX payments missed. 
Susquehanna collection department employee, XXXX XXXX, tried to discourage me from pursuing further action ( eg complaint, bankruptcy ) while offering no assistance in helping me rectify situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I am writing to file a complaint about BB & T Bank. I recently received a Retail Statement of Credit Denial letter dated XXXX XXXX, 2015, from BB & T Bank. However, at no point did I ever fill out a credit application with them, nor did I ever give them my consent, implicit or explicit, nor was I ever contacted by BB & T for my consent prior to BB & T running a full fledged credit inquiry about me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Approved for funding to cure back payments on mortgage thru Step Forward Michigan. Nationstar does not reply to settle issue and continues to push forward a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: DE

Complaint narrative:
In 2014, I received a permanent loan modification on my mortgagewith Nationstar upon satisfying my XXXX consecutive trial modificationpayments. At the end of making those payments, I had funds left in asuspense account which amounted to {$1300.00}. It is myunderstanding that according to the Securities Instrument, thatthese funds were supposed to be applied to interest and principalbalance first. I requested that the suspense funds be applied in thisprescribed manner. However, Nationstar took it upon themselves toapply the suspense account funds to my escrow instead, without myknowledge or consent. At that time I was represent by legal counsel, namely, XXXX XXXX XXXX of Delaware, in XXXX, DE, who drafted and submitted a " Notice of Error '' to Nationstar on mybehalf. To date, there has been no resolution to rectify the misappliedfunds. The Notice of Error clearly demonstrated Nationstar 's blatantdisregard and violation of the protocol set forth by the SecuritiesInstrument as it applies to the allocation of suspense funds. Inaddition, I was promised that my first contractual payment ( postmodification ) would be made from the suspense account. Since mynew payment amount was approximately {$1100.00}, I would have alittle more than {$200.00} left in suspense, which was to applied toward thefollowing month 's payment, for which I would make up the difference. 
It was further agreed upon that I would be notified of the amount ofthat difference payment. Being that none of this came to fruition, Iwas left in a position to have to pay and subsequently becamedelinquent! My credit has suffered and I have incurred late paymentfees trying to get caught up and remain current. Nationstar has beenvirtually non-responsive and uncooperative to my attorney 's demandsand numerous requests for relief and rectification this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
My mortgage was transferred to Nationstar Mortgage on XXXX 2015. The first few months we were not qualified for automatic payment and according to their guide we were eligible in XXXX 2015. This is the most convinient way for us to pay our mortgage. On our first time using automatic payment with Nationstar, our funds were withdrawn from the savings account instead the checking account and they reverted the funds back to our account. Then we tried the second time and they returned the funds again. Then I tried to pay directly from my bank and it was not accepted. Then I tried to pay with a personal check and when I returned from vacation I found out the check was return to me as well. We 've not being able to make an automatic payment ever since and now we are no allowed to pay by phone or by personal check either. We have to pay by certified funds, XXXX XXXX or XXXX XXXX Payment. Apparently, XXXX XXXX only allows payment from a XXXX card debit account which leaves me with XXXX options out of XXXX Nationstar available options. I 've always pay my mortgage on the XXXX but with all of these issues, it 's being difficult to pay on the XXXX because even my personal checks are being returned. Apparently, they put a hold on my account for six months which does not come due until XXXX 2015. When I call them to resolve this issue, I get the run around with no avail. I sent a certified check on XXXX XXXX, 2015 with a XXXX post delivary date and it has not being posted into my account yet. I continue to pay fees and it 's becoming outrageous at this point. Now I was imposed the {$50.00} fee for late payment plus the cost of purchasing a certified check for {$5.00}, stamps and cost for a XXXX date post delivery. I 'm frustrated that they do not offer to assist me in a better way, leaving me with the desire of refinancing with another mortgage company. Their customer service lacks proviciency and efficiency. The supervisors do not offer much help either. I 've being a mortgage holder for over 10 years and I 've never encountered such payment issues. Could you assist me with this issue? I do n't know how much longer I can take this type of lack of customer service especially when I want to pay my mortgage on the XXXX as I am suppose to do. Your assistance will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
I submitted a QWR to Nationstar. 
The response that I received was not complete, nor was it timely, and does not comply with the required rules and regulations regarding information request. 
They are vague, condescending and untruthful in their response. 
They chose not to provide proof that they are the authorized tender to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I went to XXXX for help with my mortgage because I fall behind with my payments, XXXX, tried to contact Nationstar mortgage for the past 3 weeks, to find the full amount of payment and got no responds .the representative from Nationstar would not return my phones nor the calls XXXX XXXX 
when I spoke with XXXX XXXX .said he has been missing calls from myself and from XXXX representative he also tell me that I would have to pay lawyers fee but told XXXX that persons from Pennsylvania do n't pay the attorney fees this is how Nationstar mortage conducts their business. 
after witing them a letter of hardship 6 months ago .finding that they have no intention of working with me. my counsel that they no allow anyone to pay back payments on a 60 month payment only 12 month payments. 
now I 'm at my wits end ..

Company response to consumer: Closed
Consumer complaint received 2016-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I logged onto my online account on XXXX XXXX to make a payment and the system blocked me. I tried to use Regional Acceptance 's IVR system and I was unable to make a car payment. I called the number listed on the screen when I got an error stayed on the phone line for an hour and then the called disconnected. I called the local office on XX/XX/XXXX. I spoke with XXXX in the XXXX, NC office he was a supervisor. He advised me that they blocked my ability to submit an online payment. I asked why he stated because they had no spoken to me, I advised him that I had not missed a payment on the account and paid online each month. I told him that by blocking my payment without cause he/his company refused my payment. I advised him that he can not report me as late to the credit bureau because I tried to pay by a method that Regional Acceptance Company allows. XXXX told me I was not past due on my account that I was 42 days past due and Regional Acceptance Corportaion does not report you as past due unless you are 60 days past due. I said that does not sound correct he assured me that it was and I would not be reported as late to the credit bureau. I told him I have a credit monitoring service and I would be notified if I was reported late to the bureaus. Today is XXXX XXXX, 2016 and I got a notification of a late payment.

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 2016-03-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
On XXXX/XXXX/16 I sent a check to my mortgage co. in the amount of XXXX once they got it they changed it into an electronic check and then submitted it to my bank for the amount of XXXX my check was clearly written out on the second line ... XXXX XXXX XXXX dollars and XXXX once this check reached my account I was charged O.D. fees and return check fees which the mortgage co. said they would return to my bank only if my bank sent them a statement promising they would cash them a check for XXXX I'am sure there is a law against check fraud and this is a scam if I ever saw one I'am tired of being walked on and companies getting away with it just because I'am a nobody, well not this time I almost ended up in the hospital over this and I want restitution, whatever damages I can sue for I want to fight to get also I refuse to make another mortgage payment until this matter is dealt with I can not afford to have them do the same fraudulent act I will be sure to put the payments in my own care until this matter is done then and only then will they get whats owed I also refuse to pay them late fees on future payments I do not have the money to keep paying for their fraud, please help me get restitution On XXXX/XXXX/16 I sent a check to my mortgage co. in the amount of XXXX once they got it they changed it into an electronic check and then submitted it to my bank for the amount of XXXX my check was clearly written out on the second line ... XXXX XXXX XXXX dollars and XXXX once this check reached my account I was charged O.D. fees and return check fees which the mortgage co. said they would return to my bank only if my bank sent them a statement promising they would cash them a check for XXXX I'am sure there is a law against check fraud and this is a scam if I ever saw one I'am tired of being walked on and companies getting away with it just because I'am a nobody, well not this time I almost ended up in the hospital over this and I want restitution, whatever damages I can sue for I want to fight to get also I refuse to make another mortgage payment until this matter is dealt with I can not afford to have them do the same fraudulent act I will be sure to put the payments in my own care until this matter is done then and only then will they get whats owed I also refuse to pay them late fees on future payments I do not have the money to keep paying for their fraud, please help me get restitution. Any proof you need I have up to and including my carbon copy of the check that I wrote them I have been making the same payment for 10 years plus no excuse for this fraud.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
I have a lengthy history with NationStar Mortgage with unaccounted funds roughly on the order now of {$110000.00}. First i received a notification from NationStar that i was roughly XXXX in arrears ( while in active BK ) that prompted for investigation. On or about XX/XX/XXXX i sent a qualified written request. The response was revealing not only was i not coded for active BK they also claimed not to have received at least 7 months of payments totalling the same. I requested forensic audit of missapplied funds with no success. Well i let it go because my Bankruptcy attorney told me since i was in an active chapter XXXX plan calling for a cram down to pay off mortgage note in 5 years once discharge was received i would be vindicated. However, for personal reasons i chose to dismiss plan voluntarily. On or about XX/XX/XXXX i sent letter of intent and QWR again to NationSTar requesting normal mortgage servicing and reconciliationof roughly {$110000.00} or more of funds which were mailed directly from Chapter XXXX trustees office. Upon dismissal not only did Nationstar inform me that the account was not coded for normal servicing but that they could not account for all the funds received. I was further notified today on XX/XX/XXXX at in fact i was contractually up to date but that i had a balloon payment under " corporate advances '' of {$70000.00} in addition to a principal of {$35000.00} which was due as a balloon note and will come due on XX/XX/XXXX. I was further informed that this balloon was a result of a streamline in house modification which i never approved nor was not made aware of the of the contents of such an offer much less affix my signature to the same ( all done without the trustees permission ). Apparently a very crafty investor at play, On XX/XX/XXXX i sent another QWR requesting proper application of funds with not so much as a letter to provide outcome. On or about XX/XX/XXXX i was told a letter wen tout to bk attorney that cram down as void but with no accounting of the funds received. Contractually under original terms of mortgage i had a 30 year fixed rate mortgage at 7,125 % with a payment {$1700.00} taxes and insurance included. Through the plan Nationstar was received {$2000.00} and upon filing petition i was only 2 months delinquent. Basically there are violations of consumer protection law on several fronts. I will attach evidence of my intent to communicate with NationStar to resolve this issue. I am a firm believer that a lot of problems with banks stem from miscommunication. However, in the present matter the facts do tell a more revealing story.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS has insisted XXXX in their response to my last complaint and in correspondence that XXXX XXXX does not allow loan modifications. However, when SPS sends me forms to fill out, they use forms that are copies of the government forms used to evaluate individuals for loan modifications. Secondly, SPS states very clearly that they participate in XXXX and XXXX programs. This contradicts their prior statement directly and means that they have been wasting my time. XXXX and I qualify for Loan Modification based upon her XXXX and our subsequent loss of income. I have supplied paperwork to illustrate this fact. I will submit a complaint against XXXX XXXX separately.

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

Complaint narrative:
I have been working with Select Portfolio Servicing on a loan modification for the past several months. When I was finally offered a modification, it was for a HAMP Tier 2 mod. However, all of the paperwork I was sent shows all of the loan modification that I did NOT qualify for and their terms and conditions. It did not show the terms and conditions of my current loan modification. I was told that I needed to make 3 trial payments and that I would then receive the terms and conditions. However, the trial payments I have been making is the same amount I was paying prior to the loan modification. I called and questioned if this were truly a modification, then why would I be paying the same amount as before? They could not answer my questions and put me on hold several times and just told me I had to wait for my paperwork to arrive.

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