vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The bankruptcy was discharged in XX/XX/XXXX which included the house and the property was removed from my name in XX/XX/XXXX by XXXX XXXX XXXX. In the past week I have received 3 letters and 2 phone calls stating that I am delinquent when the house is owned by someone else and has been for 5 years. I have no credit with XXXX XXXX XXXX. When speaking with a person from XXXX XXXX XXXX, they said the mortgage was closed XX/XX/XXXX, yet I received phone calls after that conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Quicken Loans did not calculate our escrow correctly with our new home resulting in having to pay an unreasonable amount of money. After living in our home for the first year, QL sent us a check because we overpaid escrow. I called QL, and they assured me that it was my money to deposit into my bank account and do with what I pleased. Since the new escrow calculation, the amount the check was for is the amount I owe in escrow. They did not calculate our home with the land the last year which caused us to have to pay an unreasonable amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 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 still insists that XXXX made a " protective advance '' in paying off my XXXX mortgage, and I still maintain that I was in no danger of foreclosure by XXXX XXXX ( in fact, I had arrangements to bring the mortgage current ; XXXX was very helpful when I was dealing with the financial impact of XXXX XXXX ) so that what SPS calls a " protective advance '' was in fact a payoff that was not in keeping with the terms of my note. 
SPS offered to discuss a tender amount required to complete a rescission transaction, which I would be willing to discuss except for one point that SPS points out that a rescinded transaction is designed to bring both parties to a state as if the rescinded transaction had not occurred. My question is how do you plan on reinstating my mortgage with XXXX or how do you plan on bringing me back to that state? You ( actually XXXX ) created this situation by arbitrarily paying off XXXX, so how do you plan on bringing me back to my original state? If XXXX had done the transaction legally with a right to rescind ( and also, by the way, if they had provided TIL and RESPA documents to make the transaction legal as far as paperwork although it would still be in violation of the terms of the note ) I would not be asking this question. 
In other words, your offer is really not an offer at all, unless you can do what appears to be impossible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
False refinance information provided by originators of loans in XX/XX/XXXX led to almost foreclosure and eventually bankruptcy in XX/XX/XXXX. Still trying to recover financially as my home is in need of dire repairs, but I am unable to loans because of bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
My spouse lost his job and we fell behind on our XXXX mortgage. I tried on several occasions to get my mortgage modified to an acceptable rate but I have been told that I can not get anything lower than the 7.5 % interest rate that I have because my loan is n't backed by XXXX or XXXX. Since I am unable to modify or refinance my loan according to Nationstar, I would like to make payment arrangements since my family is helping us with the money to get the account current. I have left several messages for the loan specialist assigned to my loan but no one has returned my calls or left me a message if I was n't home. I am trying to pay 3 months of my mortgage now ( XXXX/XXXX/15 ) and the remaining 3 months on XXXX/XXXX/15 to bring my account current. Any assistance to help me get some customer service would be greatly appreciated. I did call and spoke to a general rep that provided horrible customer service and was rude. Thank you for any assistance you can offer in getting someone to return my calls!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Since my first complain in XXXX XXXX, NationStar Mortgage is asking for documents after documents. I have provide all documents they asked for but still they 're telling me that my file is under review for modification, anytime I call them. 
Please note even I have foreclosure sale date scheduled for this coming XXXX XXXX XXXX, they are still declining to postpone the foreclosure sale date. 
Please help me, I do n't want to lose my house, Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX was the first lien-holder and tried twice to participate in a short sale, but XXXX XXXX XXXX refused twice ; therefore, the home went into foreclosure. 

We made numerous calls to XXXX XXXX XXXX who told us the home was charged off and we did n't owe anything. Then we received notice from NationStar saying they had the loan now. We disputed the validity of this debt. MationStar at one time agreed that XXXX XXXX XXXX should have never sold this loan to them, but then started charging us the regular monthly payment amout of {$620.00} which has significantly increased this debt. And now NationStar is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. 

Additionally, this property was part of the National Federal Class Action Lawsuit against the XXXX banks ( including XXXX XXXX XXXX and XXXX XXXX ) that foreclosed on homes and should not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
In XXXX 2016, my computer crashed and deleted all my business ' financial data for the previous year. I asked my bank BBT to provide me with my banking history in electronic format for that period. However, they have stated that they can not provide me with the historical data prior to XXXX 2016 when BBT purchased XXXX XXXX bank. The data *MUST* be somewhere accessible electronically, but they will not provide me with the information to access my financial history.

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 2016-01-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AR Resources, Inc.
State: PA

Complaint narrative:
I have filed for chapter XXXX bankruptcy, may case is discharged, but this debt on XXXX is still showing open and the amount owed. It should be reporting as balance XXXX and included in bankruptcy. It is reporting correctly with XXXX XXXX and XXXX, but not with XXXX. I have disputed this with XXXX multiple times and every time it is coming back as valid and that AR Resources us validating the debt. This is in violation of the Federal Bankruptcy code. I have also mailed AR Resources letters stating this and have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Since XX/XX/XXXX I have been assigned XXXX ( XXXX ) " Dedicated Loan Specialists '' from Nationstar Mortgage , LLC to assist me through my Loan Modification process. My most recent specialists, XXXX XXXX XXXX states on his voicemail states that his name and contact number were erroneously added to thousands of Nationstar Mortgage correspondences by a computer mistake ; He then gives you the general number that contacts an automated response. I found out yesterday ( XX/XX/XXXX ) speaking to a Nationstar Customer Service representative that I do not have nor did I ever have a Dedicated Loan Specialist assigned to my account ; furthermore, he stated that my history had no one assigned to my account. ( This must be why I have not been able to reach any of these people! )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
First of all thank you for responding my complaint, NATIONSTAR MORTGAGE LLC responded to me stating they do n't have anything to do with my loan due to the INVESTOR THE BANK XXXX XXXX XXXX own my property now.Nationstar Mortgage LLC. wanted me to informed CONSUMER FINANCIAL PROTECTION BUREAU about THE BANK XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, NEW YORK XXXX. 
TEL. XXXX XXXX XXXX XXXX Although Nationstar Mortgage LLC agreed they will be responsible for responding to any concerns regarding the servicing of the loan which include ; 1.Validation of debt in which untill now they did not respond to my request dated XXXX XXXX. 
2.Forclosure process - I was sending documents Nationstar Mortgage LLC., last document dated XXXX but i was already forclose XX/XX/XXXX without giving me a notive.DUAL TRACKING. 
3.Payment assistance and modification-I was denied every time, not giving me a chance and I did try my best to make up payments. 
Again NATIONSTAR MORTGAGE LLC adress XXXX. XXXX XXXX, XXXX TEXAS XXXX, telling me we have to deal with THE BANK XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
NationStar Mortgage bought my loan from XXXX XXXX XXXX in XXXX # XXXX First Mortgage in the amount of Approx. {$460000.00} I had obtained this loan directly from XXXX in XXXX. I have been in a Chapter XXXX Bankruptcy since XXXX. case # XXXX XXXX XXXX, CA. In order to get a discharge in XXXX I obtained a 2nd Mortgage in XXXX and paid off all my creditors. As a part of my discharge I paid Nationstar Mortgage XXXX advance Mortgage payments of {$1700.00} which were the remaining XXXX payments in the Plan. I duly obtained the discharge and it was entered on XXXX/XXXX/XXXX as there was a XXXX day wait per the Trustee 's lawyer. 
I have since written to NationStar Mortgage, Called them several time and asked for a receipt of these payments, a mortgage statement showing the next due date of XXXX/XXXX/XXXX. They have not complied in ANY WAY, instead they sent me a copy of the note and collateral agreement showing that they own the loan. Every time I call I get a different and more confused phone representative, I was told that by XXXX/XXXX/XXXX my loan would be removed from the BK Department and would be put back into a normal loan servicing mode as it should be. I was also advised on XXXX/XXXX/XXXX that a Mortgage Statement was forthcoming and the excess amount of {$1700.00} ( Suspense ) in my account will be applied to my XXXX/XXXX/XXXX payment. The excess is due to the Trustee making an extra payment during the XXXX months that they handled my case. 
I contacted XXXX XXXX attorney at XXXX XXXX who claims to represent NationStar Mortgage and told him that I was not getting any cooperation or compliance from his client NationStar Mortgage, he said he would contact them, correspondence is attached. Today I called and spoke with another Customer Service Rep at NationStar Mortgage- XXXX in XXXX , AZ . She said all that I was told was incorrect- she said once an account is put in BK it is never removed and all correspondence is stopped to the borrower, so, I will never get a receipt or anything that I have asked for, when I told her that was incorrect she said " you want to speak with a manager? " I said yes, she transferred me to someone 's Voice Mail and I did not even get their name- just a message stating- Have a Good Day. As you can see despite paying them {$8600.00} and having {$1700.00} in my suspense account, they will not cooperate and hence my complaint. 
I have another issue that I will file a separate complaint on- NationStar Mortgage has sent me XXXX different Form 1098 showing the Mortgage Interest paid for XXXX, all of them are wrong. They have refused to correct that document by telling me that it is correct already.

Company response to consumer: Closed
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
Hello, On XXXX XXXX, 2016 I had approximately {$9.00} in my checking account. On XXXX XXXX an overdraft fee of {$36.00} dollars was charged to my account. On XXXX XXXX there was a scheduled insurance payment to come out of my account to the tune of {$140.00}, this draft did not come out of my account on XXXX XXXX but instead came out on XXXX XXXX when my direct deposit came in.On XXXX XXXX I had a direct deposit of {$720.00} come in at or around XXXX. The bank processed the automatic draft first and than the direct deposit credit after resulting in an overdraft fee. When I went to talk to the bank about this they denied me a refund for the overdraft fee and recommended that I better manage my finances and bill payments. I would recommend that they process the credits to my accounts first before the debits to avoid unnecessary fees. We are a hard working family of XXXX and do our best to make ends meet and can not afford {$36.00} this month due to bills. Any help in this matter will be greatly appreciated and we thank you for your time.

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 2015-07-18 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
Nationstar keeps calling the business that I work at, XXXX XXXX XXXX XXXX, multiple times a day trying to collect a debt for someone that no longer works here. It is an automated dialer with no option to talk to a person. There is an option to say that is is the incorrect number, but they keep calling. 
I called the number they provide for you to call back for more information, and by pushing a lot of wrong buttons, I was eventually transferred to a human. When I told the gentleman that I wanted them to stop calling, he said there was nothing he could to remove our number until the intended recipient gave them permission to change his account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am apply for a refinance, from XXXX but nationstar is not giving them the right infromations nationstar shows that I have two modifications and I only had one modification XX/XX/XXXX to XX/XX/XXXX this is the second time nationstar has cause problems when I have apply for a refinance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
Bank levy appeared on my BUSINESS banking account for my exact posted balance plus {$120.00} on XXXX/XXXX/2016. Then the following day, the bank levy adjusted to {$44000.00} on XXXX/XXXX/2016. I spoke to BB and T representative XXXX in person at XXXX XXXX branch on XXXX/XXXX/2016 about refunding returned and overdrawn fees with an understanding that my posted balance would be released to me on XXXX XXXX, 2016. She was successful in accomplishing this ; however, I am uncertain if my BUSINESS banking account balance can be cleared out with a XXXX balance to satisfy a credit card debt from a XXXX XXXX that is almost a decade old. This bank levy seems to be a political move and a personal attack. I have been a bank client for over ten years. I am very confused in how my account is being handled. I feel like they are helping to extort me. I am very traumatized by the seizure of my business checking account. I could have been out of town or out of the country and stranded based on this account seizure. No one should feel safe with their money in a bank when extortion by anyone is possible with a judge signing off on it. My article is attached. XXXXl

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 2016-12-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Attached is a letter from Nationstar stating that I requested for assistance. I do not know which assistance Nationstar is referring to because I never requested for any assistance nor did I discussed it with anyone at Nationstar. 
On XXXX XXXX, XXXX, at about XXXX, I spoke with my XXXX, XXXX XXXX about the status of my XXXX Loan Modification which they took over from XXXX Bank in XXXX as that XXXX Program is still in progress and yet to be resolved. She told me I have to re-apply for the program again and according to her the water shed is XXXX XXXX, XXXX : I think she meant to say deadline. I told her the deadline is for New applicants to the Modification Program to give them the opportunity to apply for the program to help modify their mortgage loan to a more affordable monthly mortgage payment. She disagreed with me and said both old and new applicants are to re-apply again. I also told her once you are in the program, you are in and there is no deadline for old applicants and that includes me. However, she decided she will mail me a packet and will be over knighted to me. Again, attached is the packet via XXXX. Also attached is my phone conversation with her on XXXX XXXX, XXXX at about XXXX regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
I took a loan with XXXX, XXXX, 2004. The loan was later purchased by Nationstar Mortgage, Loan # XXXX. I am in the process of selling the residence and have a VA loan offer awaiting appraisal. I went on-line to check my Nationstar loan account but, discovered they have changed their format, I must re-register my account, and in order to create a new account I must check a box that says I acknowledge there 's a {$25.00} service fee for pay-off. 
When I took the original loan I specifically asked and was told there were no fees associated with pay-off of the loan. I consider Nationastar 's action an abuse of process and a deceptive practice. I have directed my XXXX XXXX, XXXX XXXX to deny any extraordinary fees for closing this loan and to notify me in writing if that delays the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In XXXX, we filed for bankrupcy, got discharged and approved for a mofification loan with Nationstar Mortgage. For six years, the payments were always automatically withdrawn from our bank accounts. We also chose the option of receiving the electronic billing statement. Suddenly since XXXX XXXX, we could not access the online account and did not receive any regular hard copy statement. Called Nationstar many times, all representatives promised to fix it in 4 days, 10 days but nothing happens. All representatives looked at the bankrupcy records and confirmed it had been closed a long time ago and absolutely not in active status. Now every month I try to call them to make a payment, they wanted to charge me XXXX dollars for processing fee and did not even send me a receipt or a confirmation letter. How could they been allowed to do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC
State: PA

Complaint narrative:
I all ready paid XXXX in interest and the loan was for XXXX but know I ca n't afford it no more .So please I need it to stop

Company response to consumer: Closed with explanation