vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
My mortgage was sold to nation star mortgage lending from XXXX XXXX. Nation star has regularly stated that my escrows and payments were off so I paid thousands of dollars and my mortgage has increased from {$600.00} to now {$860.00} and I am on a fixed rate with FHA and continuously and paying money to nation star. I have talked to numerous people and nation star and keep getting the runaround even though they know it is messed up they still say I owe money and and am in fear of losing my home due to their shoddy financing practices

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I have a home in XXXX and was XXXX in XXXX XXXX XXXX. After XXXX to XXXX I found out that a Lien has been placed on my home by a local XXXX. I had no knowledge of the bill or that I owe her anything. I never received a bill from her. When i tried to place the house on the market to sell, I found out about the Lien. I went to her office to try to get it straighten out and could n't get any information on how to pay the bill or who to contact. The XXXX said she did n't know how to contact them. She would n't take the money I was trying to pay her for the bill. I am trying to sell the house before i loose it due to being XXXX from the XXXX and not being able to afford to pay the notes but I ca n't get the Lien off to put it on the market. I got behind on my payments and XXXX XXXX XXXX sold my loan to another mortgage company that does not have a office in my area/state. I told her I was in the military and had just gotten back from XXXX and knew nothing about a bill i owed her. She had went to court and gotten a judgement against me and placed a XXXX on my house without me knowing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: WV

Complaint narrative:
XXXX/XXXX/2016 Credit COUNTER DEPOSIT View {$760.00} XXXX/XXXX/2016 Debit OVERDRAFT FEE BB & T ONLINE BILLONLINE PMT XXXX BB & T CHECK CARD XXXX *XXXX. 
BB & T CHECK CARD PURCXX/XX/2016 XXXX XXXX {$100.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BB & T CHECK CARD PURCHASE-PIN {$230.00} XXXX/XXXX/2016 POS XXXX XXXX. XXXX XXXX MN XXXX BB & T CHECK CARD RECURRING PYMT {$41.00} XXXX/XXXX/2016 Debit ONLINE PMT XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$170.00} XXXX/XXXX/2016 Credit COUNTER DEPOSIT View {$270.00} ''BB & T BANK '' ... ... charged me for payments that I had scheduled to be taken out on XX/XX/2016 .... ( I.E., XXXX XXXX ... .for : {$170.00} ) ... .took this out on XXXX XXXX, 2016. I called ONLINE BILL PAY ... XXXX @ XXXX ... ..they put on hold, & did nothing to resolve this even thou my Veteran 's Check, of over {$XXXX}, ( that was already at my Bank ), as they HOLD IT TIL XXXX ... ..THE MORNING OF XX/XX/XXXX. PROCESSING THE ABOVE ITEMS EARLY, THUS CHARGING ME XXXX-EACH TIMES LATE FEES OF $ XXXX-DOLLARS! 

Then when I schedule something Monthly ... .. ( if any month has 31-days in it ), they move my payment BACK ... ... .BEFORE XX/XX/XXXX ... ..KNOWING THAT I PAY EVERYTHING OUT VIA MY BILL PAY ONLINE, ... ... .THAT SHOULD BE PAID ON THE XXXX or XXXX of each Month ... ..STOP MOVING MY PAYMENTS BACK, SO ''BB & T BANK '', CAN LET ME GO INTO THE RED, THUS CHARGING ME OR CHEATING ME OUT OF MY HARD EARNED MONEY ). 

**HERE IS THE SAME PAYMENT I SCHEDULED A MONTH EARLIER ( BELOW ), THAT WHEN I SCHEDULED THIS PAYMENT, WAS TAKEN OUT OR SENT OUT A CHECK, AND PROCESSED SEVERAL DAYS LATER, ONCE MY VA CHECK HAD ARRIVED TO COVER ALL BILL PAYS ON THE XXXX of each Month. 
XXXX/XXXX/2016 Debit ONLINE XXXX XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$170.00}

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 2015-11-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We obtained a home loan in the amount of {$990000.00} XX/XX/XXXX. 
Our home loan had been sold by the Originator, XXXX XX/XX/XXXX XXXX XXXX which then immediately sold our loan to a XXXX XX/XX/XXXX-XXXX Trust Fund ;. 

Due to a severe reduction in income resulting from the XXXX financial crisis we fell behind on our payments. XX/XX/XXXX XXXX recorded a forged Assignment of Deed of Trust assigning XXXX ' 'fictitious interest ' in our loan to XXXX Bank XXXX XXXX. as Trustee for the XX/XX/XXXX Trust Fund. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX acquired the servicing rights to the loan XXXX. XXXX commenced foreclosing XX/XX/XXXX. We challenged XXXX standing to foreclose in XXXX Court and XXXX cancelled the Trustee 's Sale. 

Suddenly, Nationstar Mortgage LLC began sending us letters claiming to be the new loan servicer, demanding monthly loan payments. We challenged Nationstar to prove that it had the right to collect our payments. It did not respond to our Qualified Written Request so, we refused to make any payments. 
Starting XX/XX/XXXX Nationstar recorded defective -pre-foreclosure notices. It falsely appointed XXXX to be the foreclosure trustee. We sued to Quiet Title XX/XX/XXXX. The Judge refused to hear the case. 
XXXX held an illegal Trustee 's sale of our home XX/XX/XXXX. We expect XXXX Bank to commence eviction proceedings shortly. We can not let Nationstar and its cohorts to get away with its felony actions. 

We can not get relief in court. Therefore, we are seeking CFPB 's assistance in bringing Nationstar to account for its actions and to extract compensatory damages form it in the event that we are evicted prior to CFPB 's intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I believe I am victim of Mortgage and Mortgage Servicing Fraud. XXXX XXXX XXXX and Wells Fargo N.A . are both claiming to be the note holder of a loan in my name which is being serviced by a third party entity. I have sent both parties Qualified Written Request and Debt Validation Request and neither have sent adequate responses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In the beginning of this year, I refinanced my house the mortgage agentdid the loan with XXXX XXXX. XXXX XXXX sold the loan toNationstar Mortgage. I received a letter telling me to send my payment toan address and a detachment portion. I am to send the detachment portionwith my payment. Which is what I did, however, I do n't know what theaddress was that I sent the payment to. But I sent them the payment onXX/XX/2015. For the next few weeks my check was n't cleared. I'mthinking the check was lost. In about the middle to the end of the month, I received a statement from Nationstar Mortgage informing me I owe themfor two months. No problem, I put a stop payment upon the check onXX/XX/2015. Then I paid them {$2300.00}, which paid them for XXXX paymentsof {$1100.00}, and provided {$32.00} left over to put upon my principal. Theyreceived that payment on XXXX/XXXX/15. Later XX/XX/XXXX, I receivedanother statement dated XXXX/XXXX/15, this statement informed me that the nextstatement was due on XXXX XXXX 2015, NOTE XXXX XXXX, 2015, NOT XX/XX/XXXX BUTXX/XX/2015. What am I supposed to think? I 'm thinking there is no Aprilpayment, I thought that until XXXX XXXX, 2015, when I received a call fromNationstar about where is my XX/XX/XXXX payment. I then sent them twopayments covering XX/XX/XXXX and XX/XX/XXXX. As per their policy, I sent them a copyof the confusing XX/XX/XXXX statement with the XX/XX/XXXX due date. I informed themthat it was their fault not mine and I expect NO PENALTIES. 
Guess what? I did receive penalties over {$100.00} in late fees, I have triedcustomer service if you can call it that. I received long wait only to be hungup on, the waits were about fifteen minutes to get someone, then I wouldbe transferred to someone else, with no one picking up. My desireresolution would be to at the minimum get rid of the penalties and XXXX, have Nationstar sell my paper to another company like XXXX, XXXX XXXX XXXX, XXXX XXXX, they would be fine. I really do n't want to deal withNationstar anymoreNationstar informing me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
XXXX unauthorized transactions in my BBT account XXXX Checking {$1500.00} to a XXXX XXXX Savings {$7000.00} to a 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 2015-06-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I have been working with XXXX for over 3 years. My auto loan is at a rateof 24 percent. The phone calls are relentless beginning at XXXX daily. I am trying my best withthese people but nnothing is good enough. I am exhausted due to their overwhelming phone calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I applied for a loan modification due to financial hardship and was denied. I had to call to get the reasoning for the denial as their so called personal representative that is assigned to me never returns my calls or responds to emails or answers the phone. The rep on the phone stated I was denied because I was not yet two months late only two day s from being such. They offered to apply my behind payments to the next 6 months payments. But If I am not able to make the regular payments, what makes them think I can make this payment. I really wanted the payment lowered and the MI insurance taken off the loan so that I can afford the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
In case # XXXX, SPS does n't address anything that I submitted ; they just repeated that they thought that my transaction is not a rescindable transaction, and sent copies of everything that everybody already have copies of. 
They do not address my taking issue with them calling the XXXX mortgage payoff a " protective advance '' instead of a consolidation payoff because there was nothing to protect ... I was not in danger of foreclosure by XXXX XXXX, so there was nothing to protect. If what they say was valid, everybody anywhere who has a XXXX mortgage is in danger of their XXXX mortgage being paid odd just because the XXXX mortgage holder wants to, and then calls it a " protective advance ''. 
SPS did not address anything ' as I stated, they just provided copies of correspondence that I already have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
My Mortgage Loan was taken over by Nationstar Mortgage XX/XX/XXXX and I received a welcome letter from them. They have been accepting my payments since then. I am in process of changing my property from personal property to real property and need the Lein Holder to sign form XXXX Affidavit for removal of manufactured home from vehicle registration files. I spoke with customer service XX/XX/XXXX to get fax number and was told once faxed would take about 48 hours. I faxed form that I had notarized to Nationstar on XX/XX/XXXX. Called XX/XX/XXXX to see if was received and was advised to call back next day. I have called several times since then, asked for Supervisor which I worked with XXXX XXXX who talked with Research Department only to tell me they ca n't sign from due to XXXX has n't signed a released on my Mortgage yet. They then got XXXX on phone who stated files were turned over to Nationstar. I 've asked several times why Nationstar is taking my payments if they are not the lein holders and why I was sent a welcome letter, but keep getting told they will call back when they get an answer from upper management. It 's not XX/XX/XXXX and neither Nationstar nor XXXX has returned my call. When I call in and ask for the supervisor 's that I spoke with in pass. XXXX and another named XXXX I keep getting told they are on a call and XXXX will call me when she finishes call ... still no call back. Nationstar is located in XXXX, I live in XXXX ... I pay my payments on time every month. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WI

Complaint narrative:
I have called Nationstar Mortgage multiple times to the so called 'reserve ' requirement removed from my monthly mortgage payment. They try to tell me that it 's a 'federal ' law ; sorry, it is not a federal law - it 's their company adding almost {$500.00} on my payments per year. Which I would be getting back at the end of the year because there will be an overage in my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Our mortgage was in forclosure. Our account has been caught up and in good standing since XX/XX/2016. We are continually getting approached outside our house from companies wanting to help with our foreclosure. Also, today someone put a sticker on our front door stating that this property is scheduled for final disposition. I have made several phone calls to our mortgage company to make sure we were in good standing and today is the first time someone offered to add a privacy code on our account so no 3rd party companies can access it. Unfortunately, it will not go in to effect for 30 days. I do not want my kids being approached outside my house! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My husband and I filed a complaint w/CFPB XX/XX/XXXX, ( which has not been resolved ) regarding how our lender ; Nations Star handle payments our trustee had been sending for the past five years. In what seems like intentionally backlash or retaliation our payment has gone up even higher than the initial complaint, causing us to believe this lender is trying to force us into unfair foreclosure. Our last complaint stated our payments were {$1000.00} then increase to {$1800.00}, we were told as of XX/XX/XXXX ( which ironically is the month we are no longer in bankruptcy ) our payments will be {$2100.00}. I 'd like to take this further, as I stated this seems as if we are being forced out of our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Every month my wife and I each get XXXX harassing phone calls from Nationstar Mortgage. We are current on the mortgage, but every month calls start at the XXXX and escalate in frequency until we pay at the XXXX. I have told them that I get paid on the XXXX and they should stop calling. They said that was n't possible. 
The calls stop as soon as we pay. The due date is the XXXX of the month but there is n't a late fee until the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I submitted on XXXX/XXXX/2015 a request for a refund of a late fee that was charged due to NationStar changing my name on the account which cause my authorized automatic debit from my bank account to reject causing my mortgage payment to be late. I have spoken numerous times to the customer service and have spoken to their Customer Relations department asking for a letter confirming refunding the late fee which should be refunded and applied to my principal payment since I paid the late fee after receiving additional interest fee on my statement. On XXXX XXXX, I received a phone call asking that I return their call and I have repeatedly called and this person by the name of XXXX will not return my call after leaving my cell phone number. To date I have not received any correspondence acknowledging this error has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
We Never received a copy of the appraisal report. The appraisal was done XXXX. The XXXX time he used the wrong comparables. The XXXX time he purposely drove the value down because he was angry for having to come back a XXXX time. Little to no communication from the lender regarding the overall loan. No one explained any of the closing docs. A notary came to the house for signature and tried to explain however he was just the notary and not a licensed professional. He seemed uncomfortable answering questions. Very unprofessional process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
this mechanism has been designed to inform you that in 2009 my Mortgage Company was with XXXX in which I had XXXX predatory lenders on my mortgage account with a interest rate of 9.5 percent yes it is very high. XXXX XXXX was brought out by XXXX XXXX XXXX who has continue to still have these predotory lenders on my account with the same high interest rate of 9.5 percent. Under the Obama Administration in 2009 he said that there should not be any predatory lenders on nobody loans. There are also XXXX on my loan in which they were never registered in my county board of records. SPS is now the services for XXXX. I have submitted at least XXXX documents to them for a modification. I need you to look into this matter at your earliest convenience. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: MI

Complaint narrative:
On XXXX, I emailed a letter to Regional Acceptance telling them to stop calling my place of employment. I followed up with a phone call stating the same. I was told that my work telephone number would be removed from their system. I provided XXXX alternative phone numbers to reach me. Regional Acceptance continues to ignore several requests made by me. " XXXX '' a Regional Acceptance employee called my employer in an attempt to reach me on XX/XX/XXXX. I have a copy of the email I sent and a recording of the last phone call received after the company was told to stop calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
I had a collection account at Cavalry Portfolio Services that I owed to XXXX XXXX for XXXX. They reported the account on my credit bureau the same day they received the account. I did n't find out about it until months later when I pulled my free credit report. Before I paid it I called Cavalry and asked them when it would be reported to the bureau as paid. A lady told me if they received it before the end of the month if would take no less than 15 days. I paid the account in full on XXXX XXXX. I called cavalry today ( XXXX/XXXX/2015 ) to make sure they were going to show it as paid in full and now they are telling me its going to take 45 days????? Why does it take 45 days?? They did n't take 45 days before reporting it. I paid with a debit card and the money had cleared my bank. It should be reported immediately. I felt that they were deceptive, they just wanted the money before the end of the month and so they lied about when it was going to be reported to the bureau. They want the money right away, but they drag their feet when its on them to update it to the bureau!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
In it 's response to complaint XXXX, SPS says they are denying my right of rescission because my loan originated in 1998 ... my ORIGINAL loan did originate in 1998, BUT XXXX ( the original servicer after they got the loan from XXXX, the original lender ) advanced over {$50000.00} to repay themselves what they spent tp pay off XXXX XXXX, my XXXX mtg holder. 
Thus, they did not just modify my original XXXX mtg like they ( SPS ) are trying to claim ... they actually REFINANCED my XXXX mtg because adding the {$50000.00} plus in additional funds is a cashout loan. The {$50000.00} in funds added to the original balance is money lent to me ( whether I wanted to borrow it or not ) ... unless they did not charge me for the XXXX mtg payoff this is a cashout refinance, period. 
Thus, I stand by my demand to rescind the loan. 
If SPS cares to make a reasonable counter offer, I will listen, but only if they acknowledge the true facts.

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