vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: MS

Complaint narrative:
While XXXX on military duty. Quicken Loans reported we did not pay our mortgage. This is not true. We proved the auto payment was made. We have disputed over and over. Finally we gave up and in exchange for an agreement by Quicken Loans representatives to remove the 30 day reporting we paid again. After one month negative info returned. We paid another additional payment and again the incorrect information returned. What s so frustrating is even if this was true we missed one payment. But it 's reported as 30 days every month we were disputing. So instead of XXXX 30 day late we have XXXX even though every month there was a payment received. It 's immoral that any organization can be completely unregulated with unlimited power to destroy lives. Lies over and over. Our lives destroyed. 30 years of faithful service to this nation. We have no rights. We want this information removed now. I 've filed a congressional. We will never stop fighting these despicable horrible people. When we allow banks the power to destroy soldiers while out the country we prove what kind of people we really are. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: AL

Complaint narrative:
I get calls everyday around XXXX from BB & T Bank saying I owe over XXXX and telling my family member my business and calling early before XXXX each morning in which law states collection calls should be made after XXXX, I do n't owe XXXX it was less than XXXX because I lost my job. they call XXXX-XXXX times a day harassing us. the calls come from XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
My mortgage is with Select Port Folio I have attempted to modify my mortgage several times. I want to keep my home I want to modify this mortgage. There is a foreclosure saledate set for XXXX, 2015. Please assist me with saving my home. My husband and I divorced and I was awarded the house though the divorce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I received a letter dated XXXX stating because my loan was paid on time, I qualified for a recast that would lower my monthly payment and was totake effect on my XXXX XXXX payment. I have been working to resolve theissue and have spent 39 hours on the phone over 11 days. Nationstarhas not made any adjustments and/or provided the correct documentsregarding my recast. I received paperwork that was incorrect and did n't nnot reflect the amount quoted. Ive tried to resolve and work with themregarding the issue but can not find anyone with the knowledge to assistme. I was forced into paying the higher mortgage amount for XXXX with having written documentation that I would not have too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I have discovered the Assignment of Mortgage on my loan was robo-signed by robo-signer XXXX XXXX. 
Robo-signing is illegal in the State of New York. The Assignment of Mortgage executed and recorded/filed on XXXX XXXX, 2011 on my loan was robo-signed by known robo-signer XXXX XXXX. XXXX XXXX was not an employee XXXX XXXX XXXX XXXX XXXX XXXX at the date of the signing and XXXX Bank, XXXX did not exist on XXXX XXXX, 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
the ins funds and funds from the trustee are not being posted to my account while i have completed the forms nation star has requested me to complete to have the funds posted. i requested a payoff and the amount i was a fraud amount the pay off is showing XXXX i was told they would not post the funds to my account at all that they would use these funds for other charges .. there are no other charges on this account as the entire amount was in bk XXXX from spring leaf

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

Complaint narrative:
A friend died in a XXXX, on XX/XX/XXXX. The dwelling and it 's contents, weredeemed a total loss by insurance company, for which the decedent had homeowners insurance. 
I became executor of her estate, and received " Letters of Testamentary '', on XX/XX/XXXX. Decedent had a reverse mortgage, with Champion Mortgage Co. On XX/XX/XXXX, I met with the adjuster from the insurance company, and endorsed a check, " Pay to the order of Champion Mortgage '', for the total amount due, within 30 days of the end of XX/XX/XXXX, listed on a loan statement from Champion Mortgage. 
A XXXX page fax, was sent to Champion Mortgage, which included a cover letter with the loan number and instructions, " loan pay-off, check sent in mail today '', signed by the insurance adjuster. The fax also included a photocopy of the front and back of said check, with my signature, endorsing it to Champion Mortgage, as executor. The last page of the fax was a copy of a statement, for the amount due, within 30 days, of the end of XX/XX/XXXX. 
Champion Mortgage cashed the check, which cleared the insurance company 's financialinstitution, on XX/XX/XXXX. 
Instead of paying of the reverse mortgage, they put the money into a non-interest bearing account, which I can not access, as the executor of the estate. 
Champion Mortgage claims that the fax instructions were not signed by someone authorized on the reverse mortgage loan, therefore, they did not pay off the loan. 
I have made numerous phone calls, and have sent a letter instructing them to pay offthe reverse mortgage loan, to no avail. 
Representatives give incorrect information, supervisors do not return calls, and theyare now asking for more fees and interest on the loan. 
There are numerous on line complaints about how Nation Star/Champion Mortgage Co, does business, including padding invoices, and prompting foreclosures on properties, where people have tried to pay off mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage LLC, the alleged servicer trying to illegally foreclose on our home, and the subject of breach of privacy complaint, ref CFPB file XXXX, who alleged XXXX to be the " current owner of debt '' on the Notice of Default that it recorded on XX/XX/2015, violates CA Civil Code 2924.17 for lack of proof of this statement. 
XXXX 's EVIDENCE - XXXX has " yet to conduct an investigation on this account '' and requested CFPB on XXXX XXXX, 2015, to extend its resolution date of XXXX XXXX complaint to XXXX XXXX, 2015 ( CFPB case number XXXX ). 

Nationstar 's recorded Notice of Default on XX/XX/2015, therefore, LACKS LEGAL FOUNDATION ... as the ALLEGED DEBT, and ALLEGED CURRENT OWNER of DEBT XXXX XXXX yes " yet to investigate the account ''. Until proven otherwise, this Notice of Default, remains to be UNLAWFUL and thus the resulting TRUSTEE Sale of our home XXXX XXXX, 2015. 

Nationstar also defaulted on XXXX 's Debt Validation ( DV ) Request of XXXX XXXX, 2015 ( relative to Nationstar/XXXX Notice of Debt Validation dated XX/XX/2015- with 30 day to validate debt ; then Nationstar violates FDCPA by recording the Notice of Default two days later, XX/XX/2015, without satisfying DV requirements ). XXXX requested in DV, among other things, to personally view the " alleged NOTE '' - per requirement of UCC 3-501 on presentment. 

Nationstar defaulting on this DV request, in addition to alleged owner of debt XXXX that has yet to investigate the account, renders this NOTICE of DEFAULT of NO LEGAL BASIS, and therefore UNLAWFUL and needs to be rescinded. 

Thank you, CFPB for your URGENT HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I am writing to expose the fact that some of the banks that are listed as participants in the HARP Home Affordable Refinance Program, do n't honor their commitment to the program. I have called the Nationstar mortgage twice on ( XX/XX/2016 and XX/XX/2016 ) to inquire that my mortgage be refinanced at 2 % fix rate as the HARP was designed for people who find themselves in a situation similar to mine, where my property is worth less than the remaining balance and I got turn down. XXXX XXXX admitted that the Nationstar participates in the HARP but stated that a 2 % refinance is not doable. I have been with this bank for about 6 years. I have received numerous correspondences from them asking me to refinance my home in an effort to help save money, and also a few letters were sent to me commending my payment history. As an American citizen, I demand that I benefit from the bank service that our government offers, provided that I am qualified to make use of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
The bank is continuously charging me fees - whereas the overdraft protection was to thwart such activity. I am being told my savings account is closed, yet a {$500.00} deposit was made on XXXX XXXX, 2015 and retained by the bank. there are still monies in the savings account which was used to assist with possible overdrafts ; needless to say the bank is telling me I have to come in and close the account. I was charged {$140.00} for returned item fee and I am not sure what the expense was causing further financial chaos -personally. Refer to Case number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
I refinanced my mortgage through Quicken Loans in XX/XX/XXXX. i alone applied and received the mortgage though I am married. Upon getting married and my wife selling her home, her credit score dropped and her credit card maxed her interest rate to 29.99. She reorganized through bankruptcy and is paying her creditors. XX/XX/XXXX, Quicken Loans blocked all of my access to my account which I had always administered online. They would not allow me to see any data or make a payment. Every month for 8 months I called and got the run around for hours until I got tired and it would all begin again the next month. I would send a check to pay my payment on time. They contended that it was because I had declared bankruptcy and I had not, my wife had. She is not on the note anywhere, but they did n't care. I have sent emails and paper letter to them asking to have my information sent to me on paper, as they suggested, but they never responded to that request. They claimed it was software and 8 months later, I was able to do transactions online again. No explanation or correspondence. It just started working. 
My loan originated in XX/XX/XXXX and when I went online to pay my payment, it had gone up XXXX dollars. I tried to view my insurance, tax and escrow information and I was locked out with a note to call them. When I called, they brought up the bankruptcy again and told me that they did n't have to provide me with any information due to that, but the would read it to me over the phone. Neither my insurance company nor my mortgage company sent a notice of the increase in charges. I asked for an escrow analysis to be sent to me and they refused. The latest person to talk to me about it is XXXX XXXX, Quicken Loans Client Relations. XXXX XXXX was the originator of my loan and has never been helpful beyond that point. XXXX XXXX Social Media Advocate said it was a software glitch the first time it happened, but never did anything to fix it. I believe that it is illegal to not keep me informed of changed in my escrow account and would appreciate feedback. I have email from some of these events, but they are not answering me at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
My name is XXXX XXXX, I purchased a property and obtained a conventional mortgage with Quicken loans at XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX on XX/XX/XXXX. I recently received a threatening letter from XXXX County Treasurer regarding unpaid property taxes for XX/XX/XXXX before I even purchased or occupied the home. I have had XXXX contacts with Quicken loans since I obtained that letter on XX/XX/XXXX. Quicken did the research and has come back with an excuse that they did in fact make an error at closing but refuse to cover the {$900.00} plus dollars the future tax lien would be for. Quicken then takes my already escrowed taxes for XX/XX/XXXX and pays taxes for XX/XX/XXXX before I even purchased the home! The Quicken team member and her manager XXXX indicated that the closing team made an error and then put a notified credit on the buyer 's side of the HUD and lessened my closing costs. Quicken also admittedly indicated they did NOT disclose any of this to us at closing, no disclosures, no additional escrow, no payment for past due taxes. They are now threatening default on my property for an error they acknowledge they made. I advised them I would not be covering this, I escalated it as high as I could with the Quicken staff, and they refuse to move forward with remedying the error. 
This is predatory lending XXXX and violation of RESPA knowing I was already tight on closing money coming in, they chose to hide this from me, and never notify me until I found out. They refuse to provide a disclosures or signed documents specifically speaking to the past due taxes, extra escrow, or required payment. If this goes into default, this will put my wife, XXXX young children, and me on the street with no financial means to recover from this. All quicken calls are recorded in which you can listen that they acknowledge the error but wo n't correct. My intention in addition to starting with the CFPB is to escalate this to all regulatory agencies until resolution is obtained. 

My contact information is as follows : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS Loan Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX This short sale was started XXXX/XXXX/2016 with SPS. SPS has been repeatedly obstructive to the short sale process since the beginning. There have been other issues to which I should have filed a CFPB complaint in XXXX, but did not. However, their obstruction of this short sale has not ceased and I am compelled to file this complaint. 

SPS 's 'new issue ' with this short sale is claiming that they must have an authorization that matches the listing agreement, the addendum, and XXXX TD approval. Requiring an addendum that matches the listing agreement is not only NOT a valid requirement for a short sale, but this has ALREADY been sent to them. It was sent to them on XXXX. We have since confirmed FOUR TIMES with the negotiator that the authorization IS IN FACT in their system. 

SEVEN times we have confirmed with the negotiators at SPS that they have received the addendum. Then we follow-up three days later, and EACH OF THE SEVEN TIMES we are told that the underwriters are STILL missing the addendum. 

SPS claims they will move the XXXX XXXX approval requirement to a prior-to-close condition. I have no faith they will do this without further obstruction. 

SPS will continue to behave in an obstructive and fraudulent manner in this short sale process until someone makes them stop. 
To the CPFB I request that you PLEASE do something about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
For a number of years I have been trying to refinance my mortgage with BB & T bank at a lower interest rate in order to lower my mortgage payments to help me and my family to pay more on our high credit card debt. Despite my excellent payment history with BB & T in regards to mortgage and other loans with them, they refuse to offer me a mortgage at a lower interest rate stating that my credit score is too low and that my outstanding commercial loan balances XXXX credit card debt ) is too high. This has been very frustrating for me as I realize that the answer to me improving my credit score is to lower my outstanding commercial debt. But it is difficult for me to accomplish this at my current mortgage interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
For three years we have made numerous requests for monthly mortgage statements in order to keep track of our account. It seems only right to have this information so we can verify that Nationstar, our loan Servicer is treating us fairly and equitably but they have never complied. A few days ago our fear of being a victim of a mortgage servicing fiasco has materialized when we received an Annual Escrow Account Disclosure Statement showing a escrow reserve shortage of {$5100.00} from our loan servicer. Immediately after receiving the aforementioned disclosure, my wife placed a call to Nationstar and spoke to XXXX, a customer service agent and asked why Nationstar is claiming we have a escrow account shortage. XXXX was unable to answer the question so my wife then asked her for a record of our complete payment history since Nationstar took over the servicing of our account three years ago. XXXX was kind enough to e-mail us a computer printout of our payment history which is attached to this complaint. 
Inexplicably, the printout does not include a running balance for our escrow impounds however, it does show the running declining principal balance which is significantly skewed in Nationstar 's favor due to their not having applied a substantial portion of the payments they received from us to the principal balance and or escrow impound despite the payments amounts being confirmed the in the attached Nationstar Loan History Transaction Report. 
Upon review, this printout clearly and unambiguously reveals that Nationstar has systematically received our payments but has not credited our account in the monthly amount of {$240.00} which we have made in addition to our regular monthly payment for the last three years. Instead they have labeled these payments as " PMT-MISC '' and given no indication whatsoever as to the disposition of where the funds went. 
Additionally, Nationstar has not credited to our account the full amount of our regular monthly mortgage payments we have made in the amount of XXXX each and every month since XX/XX/2014. Instead, Nationstar is crediting us only {$2700.00} calling it a " MISC ADJUSTMENT '' which is a shortage of {$110.00} that was not credited to my account every single month since XX/XX/2014. Effectively, between the two regular monthly payments we make to Nationstar they have shorted us {$360.00} every single month for the last three years totaling {$13000.00} that has not been applied to my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I applied for a line of credit with BB & T in XXXX. I was denied for the line of credit and XXXX of the reasons was excessive obligations in relation to income. This makes no sense considering the only considerable debt I have is student loans. My debt to income ratio is approximately less than 9 %. My student loan payments are {$400.00} and my gross income is about {$5000.00} a month. The rep told me the threshold for DTI ( debt to income ratio ) was 36 %. I had ample room to make a payments so I believe there should have been a counter offer not a denial. I have no other debt besides student loans. I also have been approved for another line of credit recently. No bank should be denying consumer 's credit because of student loans when the payment is less than 9 % of the person 's income. Excessive obligations in relation to income should not be reason for a denial but should have been the reason for a counter offer the underwriter determined was appropriate for my financial status. 
According to the Community Reinvestment Act the bank is to meet the credit needs of the local community. I am certain that majority of the community has a negative net worth because of student loans. By denying the application completely as oppose to countering the bank is certainly not adhering to the community reinvestment act.

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