vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have had my mortgage with Nationstar since XX/XX/XXXX. My ORIGINAL Loan Documents and Escrow Agreement designated Property Taxes only. Twice since I took this loan out, I was given notice of forced placed insurance when I had provided SEVERAL times proof of current homeowners insurance. Each time I was told that the problem had been corrected. 

Today, XXXX XXXX, I noticed that my escrow account was shorted {$530.00} on XXXX to pay my Homeowners Insurance. I never authorized this and my homeowner 's policy for XXXX was PAID IN FULL BY ME ON XXXX XXXX. I contacted Nationstar to ask them why they suddenly began deducting money and they had no answer. This not only breaches my loan agreement but shorts my escrow account by XXXX which will now INCREASE MY PAYMENTS. This is WRONG.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
In XXXX 2015, the transition of the purchase of XXXX XXXX XXXX by XXXX XXXX, in Georgia occurred. I own rental property and payments to Nationstar Mortgage company were made from XXXX XXXX XXXX ; however, after the transition to XXXX XXXX, the automatic payments to Nationstar got messed up because the account at XXXX XXXX XXXX, now XXXX XXXX, XXXX XXXX XXXX misplaced a deposit ... one that we discovered that the deposit was moved to another account with XXXX XXXX. In the meantime, Nationstar drew the mortgage XX/XX/XXXX payment off of the former account resulting in a payment of insufficient funds. When Nationstar notified me of the failed payment, I made arrangements at XXXX XXXX to ensure that a payment would go through. Only XXXX XXXX, the payment went through to Nationstar. However, I began receiving calls from Nationstar stating that I had not made the XX/XX/XXXX payment. I told them that I had, and had evidence that the payment went through. They called me at least twice a day for several weeks. Finally my banker attempted to assist with resolution of the problem by calling Nationstar. It is very difficult to speak with anyone with authority there, and basically could only talk to customer service. She faxed a copy of the bank statement with evidence on the statement. Things were quiet for a week or so, but then customer service called again stating a payment had not been made. As XX/XX/XXXX rolled around, the payment to Nationstar on my new bank account went through, but Nationstar began calling me again stating I had not made the XX/XX/XXXX payment. I received more than XXXX calls all times of the day and night from them. There was no convincing customer service that the payment obviously went through. In fact on my online Nationstar account, I can see that both the XX/XX/XXXX and XX/XX/XXXX payments went through. I finally got my lawyer involved, who sent them a letter with the paper work as evidence of the issues and payments. They responded, stating they would not have a resolution to the problem until XX/XX/XXXX ... .and could n't even spell my lawyer 's name right. In the meantime, my credit score has been affected, dropping almost XXXX points. Therefore, something at Nationstar is not connecting with the payments that are evidently being made, as evidenced by both my bank account and the Nationstar website. Now I just received a call from Nationstar stating that the XX/XX/XXXX payment has not been made ... this is ridiculous. No one there is listening to me, my banker, or my lawyer. And yet the payments ARE being made. My credit score is being affected, which is very serious to me, and this company is not paying attention to my concern. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: SC

Complaint narrative:
I want to report two banks to the federal government. 
One, is XXXX. Routing number : XXXX Account number : XXXX. This bank sent me a check in the amount of {$2900.00} ( Found out it was a scam, fraudulent check ). BB & T, has the impression of the check that hit my bank. 

Two, is XXXX bank I attempted to pay this bank off, {$25000.00}. They tacked on fees and interest which they were blackmailing and extorting more money out of me. 

Thank you, 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 2017-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/2010 I sent SPS a letter and a copy of my XXXX orders to XXXX requesting assistance under the SCRA. My interest rate with SPS was 6 3/4 of a percent and they reduced my interest rate down to a mere 6 %. This was not in the spirit of the program. A reduction of {$90.00} a month is not helpful for someone leaving a XXXX figure a year career in the civilian world to earn approximately $ XXXX a year by being recalled to XXXX. Most XXXX I knew received interest rates down to 2 % and I think that is respectable. To add insult to injury I never got a {$90.00} reduction to this date almost 7 years later. 

SPS failed to recalculate my payments to reflect the reduced interest rate. I never received the second portion of the SCRA, which calls for diminished monthly payments based upon the interest rate reduction. It appears to me that SPS gave me a portion of the loan interest rate savings because the interest-bearing principal was {$460000.00} and then there was a deferred principal of {$210000.00}. This is not consistent with 50 USC app section 527. To date I have not ever been given any reprise from SPS under the Service Members Civil Relief program. They sent me a letter stating that they did give me some reprise but the numbers do n't add up. They have sent me 3 sets of financials over the last 3 months and there simply is not a reduction of {$90.00} anywhere to be seen. If they give me a reduction why ca n't they prove it? Where is it? Did it go to the wrong account? These are just a few questions SPS should answer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am trying to short sell my home, my servicer is Select Portfolio Services ( SPS ) the servicer sent an FHA appraiser to my home and the result was the retail value of my home is {$150000.00} I have a contract for sale for {$150000.00}, that 's {$5000.00} more then the retail value of my home, In short selling my home i was hoping to receive the {$1000000.00} relocation money to move. however the servicer told my Realtor that I would get any relocation money because i have Mortgage Insurance on the loan. They denied the short sale and gave no reason they just stated " that this option is not available at this time ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
The servicer ( Nationstar ), after review of an offer presented to them via their XXXX portal, attempted to sell the property via an online auction " offer validation program ''. There were no bids, and the servicer will not consider further loss mitigation options for the homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My with Aurora Loan XXXX was scheduled to be service released to Nationstar on XXXX/XXXX/12. Instead, my home sold ( closed escrow ) on XXXX/XXXX/12. Despite this, Nationstar continues to report that I had a loan with them ( even though the Aurora Loan XXXX record is still reflected on my credit ), and they reported that my account began with them on XXXX/XXXX/12 and was derogatory. They continue to show this on all credit bureaus despite the fact that I 've contested it and shown them that they did not even have servicing at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
BB & T only makes {$100.00} available on next day availablity deposits versus {$200.00} required by Dodd-Frank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
XX/XX/2013Investor : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX extFHA # XXXXLoan # XXXXPayment $ XXXXInterest Rate 7 % Term XXXX years. 

XXXX XXXX became delinquent in his mortgage due to the illness of his father and required home repairs. 
In the interim XXXX XXXX mortgage changed hands from XXXX XXXX to XXXX, from XXXX to XXXX XXXX. XXXX XXXX was getting notifications from both XXXX and XXXX. He was getting anywhere with XXXX and he went to the XXXX office. At the XXXX office he was given information from XXXX XXXX that he did n't have an FHA mortgage but that it was conventional. XXXX XXXX. I have documentation the original mortgage it is FHA. XXXX XXXX was not offered a loan modification.. I called the XXXX office and spoke to : XXXX XXXX. 
XXXX XXXX is the investor he told me the loan was conventional. I told him the mortgage shows that it is FHA. XX/XX/2013I completed the XXXX, XXXX, crisis budget, XXXX. I called XXXX and spoke to XXXX, and XXXX who transferred me to XXXX in customer service. I explained to her that I could not applied for the proper foreclosure prevention tool for XXXX XXXX, because XXXX had him listed as having a conventional mortgage, when he has an FHA mortgage. XXXX XXXX has been receiving ACT XXXX notices to date he has received XXXX, She began reviewing his closing documents and said that his HUD 1 states that he has an FHA mortgage. XXXX put in the request to change the type of mortgage of conventional back to FHA which was the type at origination. This process will take XXXX days she requested that I call back by Friday to confirm that it was done. 
XX/XX/2013I called XXXX and I spoke to XXXX to verify if the Mortgage type had been changed, I was told the request was misdirected and she had to check what had to be next. there is no work order. She then requested that proof be provided to XXXX that indicated that XXXX XXXX has an FHA mortgage. I asked if the client did not have proof then his type of mortgage would not be changed. I informed them that I will escalate this matter with HUD. He had a repayment plan, and a forbearance agreement which is available to homeowners with Conventional mortgages. He was not offered a partial claim which is only offer to clients who have FHA mortgages. This is predatory lending practices. I called the attorney 's office that is handling the foreclosure for the lender and was told by XXXX that the loan is FHA. I have contacted HUD to verify the type of loan and they said that they can find it. Please look into this matter. The loan type is not suppose to change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: DC

Complaint narrative:
My XXXX mortgage loan was issued on XXXX loan on XX/XX/XXXX for amount XXXX and on XX/XX/XXXX my loan trasfered to Nationstar mortgage now my balance is {$580000.00} and when I ask the customer service how my mortgage balance increased by {$120000.00} they said since its transferred from XXXX XXXX they have no idea and I would like the consumer protection bureau to investigate the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I was an account holder at XXXX in XXXX for several years until the Bank became BB & T. Every month I have a direct deposit of about {$3500.00}. After paying several bills and spending a few dollars around XX/XX/XXXX I had a posted balance of {$1300.00}. Out of that amount I spend {$1000.00} leaving me approximately {$260.00} or something. With that balance I had XXXX items pending which added up to less than the amount. Although I had money in my account, I was charged a {$36.00} fee for something that overdraft but I was not in the negative. Also, a {$65.00} return item was submitted with this positive balance. So I called the bank to get an explanation and with much argument, the rep finally added up the amount that was spend and came up a total amount spent was {$1000.00}, which was less than {$1300.00}. When I asked why did I still have {$220.00} posted on my balance the rep informed me that that the amount was not a real amount and I did not have that amount in the bank. So I went into a branch on XXXX XXXX XXXX in XXXX and after speaking with the Branch Manager about this issue, since they had deducted all this fees out of my account there were other items that was pending and in order not assess fees I would need to deposit {$400.00}. Still not clear about why I have so many fees when I still have money in the bank. I gave the Branch Manager {$400.00} where he deposited {$410.00} at the teller window for me confirming that the next morning, after the few items post I should have a {$14.00} balance. The next day BB & T had charged me for the items that were in pending status that I deposited money for the day before. Not only was this an issue, these last three months I have noticed that they have been holding pending items for over 3 days or after the merchants have requested the money according to my investigation. Furthermore, I noticed that I bought some chicken from XXXX XXXX for {$5.00} and they had this amount both in pending and posted at the exact same time. My balance is never what it is supposed to be. On many occasions I have been locked out of my account for several days and unable to follow my transactions. I have had to call the bank to access my online account because it is continuously not available or blocked. Right now, BB & T has me owing their bank over {$300.00}, while I deposited {$410.00} to eliminate fees.

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 2016-09-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Servicing XXXX Inc., is the WORST company I have ever dealt with in life! Since XXXX, XXXX, I have been trying get the mortgage ( in my deceased father 's name ) lowered. I have consistently filled out paperwork, and sent in requested documents over and over again. ( I have those documents as proof along with dated receipt emails from Select Portfolio Servicing , Inc. ) My latest attempt has been to go online and request a modification/assumption ( or whatever the latest option ). However, I received a letter from Select Portfolio Servicing stating that my home would go into Foreclosure and up for sale on XXXX XXXX XXXX. I am attaching a letter I wrote to them in XXXX XXXX. It pretty much sums up the situation. I believe Select Portfolio Servicing has deliberately put me off, by loosing documents, and requesting them over and over again. I had an appraisal done on the home. I contacted them about it, they said it was no long valid because it was over 90 days! I did n't know that! They have done checks on my credit so much that I asked them not to do it anymore because they were Hard Hits! I have met with a XXXX XXXX XXXX to help me with my troubles. I feel somewhat of a relief, but I still have foreclosure hanging over my head. This mortgage company seriously needs to be investigated. I 'm sure other people are experiencing, or have experienced somewhat of the same thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
Quicken Loans lifted the finance contingency on a home purchase, later reniging on the financing stating that debt to income ratio was an issue because of the potential monthly payment for student loans. Quicken Loans stated that I would need a consigner or to pay off my car loan at {$12000.00}. All debt obligations were visable and known at the pre approval stage prior to underwriting the loan. Due to the finance contingency being lifted Quicken Loans states that I stated that my student loans were in deferment while they were in forbearance. This is absolutely untrue, again all debt obligations were visable in the credit report. I was a recent college graduate as of XX/XX/XXXX this loan process began XX/XX/XXXX, repayment for my student loans would not be requested until XX/XX/XXXX, in which at that time a deferment could be requested. The home being purchased was a to be built with construction complete XX/XX/XXXX. Quicken Loans has caused me embarrassment, emotional distress, and cost me {$540.00}, as I lost half of my {$1000.00} in earnest money and about XXXX % of the {$400.00} in good faith provided to Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I was inquiring about a home refinance loan and Quicken Loans. Told him that I did not want my credit pulled unless he could get me an approval. Gave him full info up front- that I was only on the job for 4 months- told him several times my score was verging on XXXX and did not want it pulled. He said he would work with me for an approval and pulled my credit. At the end of the convo he told me that he could not get me approved because all of Quicken Loans require a 2 year job history. I have the FULL chat transcript available. I believe this was complete unethical behavior and lowered my credit score to a XXXX thus far, may still be dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I have a adjustable rate mortagage orginated by XXXX financal purchased by XXXX XXXX XXXX and serviced by slect portfolio servicing my orginal mortagage payment was {$940.00} a month was raised to {$1100.00}. I had to go through a bankruptcy during the bankruptcy trustree made over {$27000.00} worth of payments on the mortage I have been unable to find out how and where they we applied. I have recived XXXX small settelment payments from the suit the goverment brought forth aginst XXXX XXXX XXXX. It was my understanding that as part of the settlement they hade to offer me a loan modification at market rate.XX/XX/XXXX I entered into a loan modification agreement. Made my XXXX payments totaling {$4100.00} I was sent a modification agreement of {$1300.00} per month at an 8.78 % interest rate when market rates were 2.75-3.25 % I told them this was unacceptable. I told them I would only accept an at market rate as there settlement provided for. I was promised by there repesentive they would work this out. I was asked by slect portfolio servicing to resubmit the modifaction paper work XXXX times which I did then they would switch my loan servicer which the did no less than 16 times from the time I filed the orginal modifaction agreement to the Present Date XX/XX/XXXX. All the while they would say they were missing paper work or it was expired or I would have to start over with a new servicer It got so bad I got my attorney involved and he submitted my paper work no less than XXXX times he always got the same answer as I did something was missing or we got a new servicer.Seeing how I would not go away they tried a new approch they failed to pay my property taxes for 3 years XX/XX/XXXX-XX/XX/XXXX even though they charged escrow for the amounts my home went threw a tax forclosure sale XX/XX/XXXX and I had until XX/XX/XXXX to pay the redemption amount. I notifed select portfolio servicing of this fact the said they were aware of it and would see what they would do. Fearing I would lose my home I paid The redemption amount to save the house on XXXX. They did not pay the taxes and my next communaction XX/XX/XXXX I got was from XXXX and XXXX that they would be foreclosing on my home. I disputed there claim. I have not heard from them seince. These people have done nothing but harass me and tried to use fraudlent means to take away my home. The Federal Goverment has punshed XXXX XXXX XXXX and Slect Portfolio Servicing for this very thing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
In XX/XX/XXXX my client, the buyer, had entered into a real estate contract, with a seller, that was a short sale transaction with Nationstar mortgage. The deadline to complete the transaction was XX/XX/XXXX. We were not able to reach the deadline but, the agent, that represented the seller, later informed me that the short sale negotiator was extending the date in order to complete the transaction. This resulted in the need of a new payoff because we were now entering a new month by XXXX. So we set a settlement date to close on XX/XX/XXXX. But, on Friday, XX/XX/XXXX, all parties were notified that the seller 's house a been sold to an investor on the auction block. This left my buyer XXXX with no explanation. The seller 's agent talked to the trustee for Nationstar to see if they would rescind the offer with the investor, but they refused. Prior to this foreclosure sale, no parties were notified. ( Seller, HOA, Title company or Seller 's agent ). My client and I are seeking assistance to receive a clear explanation on how something of this nature could occur. Please help. Thank you

Company response to consumer: Closed with explanation