vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XX/XX/XXXX my husband and I came up short on a few mortgage payments, he is in XXXX and was XXXX which was between {$XXXX} and {$XXXX} a month. We decided to start a request for a loan modification through XXXX and were told to stop our payments all together from a XXXX representative and the loan mod would put those payments at the end of our loan when it was rewritten. So we stopped payments, we filed the paperwork for the loan modification XX/XX/XXXX, ever time the package was submitted XXXX would need another document or they would claim to be missing something we had already sent 3-4 times. Finally they had all of our information and documents and said they would have an answer soon. Within the week XXXX said they were no longer in control of our loan that we were now with Nation Star Bank. We had the same issues with Nation Star Bank, we would call and would be on hold for 45 mins or more with now answer or would be hung up on, they would need more information or not receive documents we had sent many times. Finally on XX/XX/XXXX we had an approved loan modification but the modification does not help our situation they are requesting us to pay double paymets for 12 months to get " caught up '' they requested us to accept the offer by XX/XX/XXXX. We sent the accepted offer in to them on XX/XX/XXXX we had to contact them to make sure it was received they made no attempt to contact us, on XX/XX/XXXX my husband called and they again claimed to be missing documents so close to the due date. Today we signed another acceptance and sent it to Nation Star via email and they were already closed when we tried to call to confirm it was received. Again so close to the due date, it really feels like Nation Star and XXXX are trying to make a 22 year XXXX family homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I am writing The Bank XXXX XXXX XXXX XXXX to ask for confirmation if they are the true creditor. I also request evidence that the mortgage was properly securitized, which includes ALL assignments of mortgage and a copy of the promissory note. I have not received any correspondence from The Bank XXXX NationStar is an alleged servicer, however, court documents with the original recording of title " XXXX XXXX Mortgage '', was never a loan/mortgage per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have been asking my service mortgage provider to show me proof of monies distributed for servicing this morgage after a modification was agreed upon. Now they are trying to collect on this money even after i agreed to {$32.00} in interest and other fees. I am disputing XXXX and additional {$730.00}. Totaling {$3600.00}. i have been asking them for proof of this since XX/XX/2015. I am still waiting till this day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a mortgage with Nationstar Mortgage, whose address is XXXX, TX XXXX. On XXXX XXXX, 2015 I received a notice that my escrow account for property taxes had a shortage of {$960.00}. I was told I could either pay the full balance and keep my regular monthly payment the same, or have my regular monthly payment increase by {$110.00} per month from {$1900.00} to {$2000.00}. I chose the former and wrote a check to Nationstar for {$960.00} as instructed. That check was cashed by them on XXXX XXXX, 2015. However, due to an internal error on their part, someone misapplied those funds and chose to add that amount as principal reduction rather than to my current escrow balance. As a result, unbeknownst to me, the system maintained the monthly payment amount as {$2000.00}, So when I made my regularly scheduled XXXX 2015 mortgage payment of {$1900.00}, the system did not show the balance as being paid in full and charged me a late fee. It also suspended the payment from being applied to my account so that my credit is negatively affected. I called Nationstar on XXXX XXXX, 2015, to figure out what happened and after an hour of back and forth with very poor customer service or assistance, the woman XXXX stated that the matter was resolved, the funds would be properly applied and my payment would stay the same. However, on XXXX XXXX, 2015 when I went on the Nationstar website to make my XXXX 2015 payment, it still showed the incorrect higher amount was due. In addition, it showed that my XXXX 2015 payment was still in suspension and had yet to be applied. Again, this affects my credit and causes extra fees to be applied to my account. So I again called customer service on XXXX XXXX, 2015, and spoke with XXXX. I went through the same discussion and transferring of calls back and forth that I did the first time. XXXX said that they had to ask for the escrow payment of {$960.00} to be reapplied to the outstanding escrow balance in order for the monthly payment to go back to what it was and that would take another 7 to 10 business days. Why the first lady did n't do that is beyond me! So now I have to wait another 2 weeks for this issue to be resolved, meanwhile my account shows as past due and it affects my good credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY

Complaint narrative:
I received a Notice of Default and Right to Cure from Select Portfolio Servicing, addressed to me, instead of my attorney, dated XXXX XXXX, 2016, and received on XXXX XXXX,2016. This letter will be furnished to CFPB, upon request. This is Improper Contact, for the THIRD TIME with me ; see Former Complaints to CFPB by me and my attorney. In their last response to CFPB, they stated they would not contact me instead of my attorney. Obviously, they feel they are above Consumer Financial Protection Laws, and fear no consequences. My resolutions to this Complaint is that they, SPS, 1. contacts my attorney, instead of me, and 2. that SPS immediately stops alleging that XXXX XXXX is the Trustee on this fraudulent loan. XXXX XXXX is currently involved in a lawsuit and investigation brought!. by the United States Department of Justice, concerning their fraudulent loans.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC
State: MA

Complaint narrative:
XXXX XXXX in interest so far just got in trouble with too many payday loans and now almost all my check is going to pay these things off I can no longer pay these fees and interest any longer and have told them not to call my employer but they do HELP!!!!!! these companys need to stop doing business in massachusetts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Attempting to do a short sale on property of deceased borrower. Court has appointed a PR for the sale of the property. During process bank set a sale date. Bank refuses to remove sale date stating that there is no incentive for them to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I deposited a check for {$800.00} on XX/XX/2017, I did not know until XXXX/XXXX/2017 that a charge-back was going to happen with that check on XX/XX/2017. Since I had used some of the {$800.00} against ( what I did not know was a negative balance ) On XX/XX/2017 I deposited {$800.00} in cash from my personal funds to cover everything that was pending, but an administrative hold was put on THAT {$800.00}. Overdraft fees were charged while transactions were pending instead of when they posted. That caused a domino effect for several other legitimate transactions to be returned unpaid and more OD fees. As a veteran-owned, and woman-owned Small Business solely supporting my XXXX with my personal funds, this has caused irreparable, unfair, and unnecessary harm to me, my business, and my family. 
The action BB & T took, placing an Administrative Hold my small business checking account, was unfair. It may not be against Federal Reserve policies, but the reason I feel that this is a dire situation is because there are other scenarios that could easily happen that could very easily permanently cripple a small business like mine. Examples of other instances were this could happen : 1. XXXX does an account verification by making XXXX small deposits ( approx. XXXX cents ) and XXXX withdrawal of those XXXX amounts. That XXXX small withdrawal can cause an avalanche of fees starting with just that XXXX small withdrawal costing {$36.00}. 
2. I stop for gasoline while on a trip to deliver a quilt. The gas station places a {$1.00} hold on my debit card. If I do not know that there has been a charge-back and I am in the negative with my available balance - that {$1.00} hold has just cost me {$36.00} and then the actual amount for the gas will cost me another {$36.00} plus everything else I have paid for with my debit card that day. 
Those are just two examples of how this practice can cause us harm.

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 2015-10-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I was contact within a flyer, and they offert me home loan modification. 1 ) They promise me lower monthly payments. 2 ) Come down the principal. 3 ) avoid foreclousure. 4 ) They request money from me.I gave them {$7500.00}, and after that i dont ear from they any more. I paid them whit check.I started with them since XX/XX/XXXX and last time got comunication whit them:XX/XX/XXXX _

Company response to consumer: Closed
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI

Complaint narrative:
I applied for a loan modification and was denied based on the wrong income. ( see attached ) Due to a calendaring oversight, my appeal -- which was based solely on the servicer 's error -- was one day late. The letter was dated XXXX XXXX, and I was supposed to reply within 30 days of the date of the letter. I did n't receive the letter until XXXX XXXX. The servicer refused to consider my appeal on XXXX XXXX ( due on XXXX XXXX ) even though it was their mistake in the first place. 
I provided income documentation and proof of the rental and boarder income I receive. One portion of the income is from boarders who co-occupy my portion of the building I live in and own. This is the only income I was given credit for, {$2000.00} a month. 
The income from the rest of the building, {$4900.00}, is currently paid to the court-appointed foreclosure commissioner. Between the date of the foreclosure judgment and the foreclosure sale, the commissioner told my tenants they were to pay him. No sale date has been set, and the foreclosure was on hold while my loan modification was being reviewed, but the commissioner kept the rents. 
The servicer did not give me credit for the rents, even though I provided proof from the commissioner that he was receiving the money. See attached. 
I do not think it is fair to deny me a chance to be considered for a loan modification, because of a one-day oversight to make an appeal I was making based only because of the servicer 's mistake on my income. 
I am represented by an attorney and my attorney is helping me file this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I was involved in a very XXXX accident in XXXX 2015. This began a downward spiral for me -- I was unable to work after 25 years as a XXXX XXXX. I had to wait nearly 10 months for my workmen compensation to be approved and had no income during this time. And this led to me defaulting on the mortgage loan for my manufactured home that I have owned for over 20 years. I have tried in vain to get Nationstar Mortgage to help me get back on track with this loan but it seems to me that the agents at Nationstar are vague and dishonest. I can not get a hold of anyone who knows anything about my mortgage. I have no assigned dedicated contact, and get transferred from department to department when I try to work to resolve my mortgage delinquency. The people at Nationstar say they will help, but it is just lip service and nothing actually happens. Now I have a foreclosure sale date set for XXXX XXXX. 

I ran into problems when I was involved in a XXXX accident in XXXX and ended up with a XXXX XXXX and XXXX as well as XXXX problems. To make matters worse, when I got back to XXXX I discovered that my mobile home had been broken into and my belongings had been stolen and the place was trashed. Due to the injury I was unable to work. I had been a XXXX XXXX for 25 years, but it took nearly 10 months to get approved for workmen 's compensation so I literally had no income during that time. I used what savings I had to keep up on the payment but eventually fell behind. 

I am now receiving SSI and have enough income to afford a fair mortgage payment. The problem is that I ca n't even get Nationstar to give me the time of day to look at my situation and review me for available programs. I have tried to resume making payments but am told I have to reinstate all missed payments at once -- I am not able to do this. However, I do have the means to afford a fair and reasonable payment if Nationstar were to conduct a review of my current financial circumstances. Why am I not being considered for a modification, or a forbearance agreement or a consideration for putting the late payments back into the balance of the loan? Why has Nationstar not assigned a point of contact and turned their back on me,? I also believe that Nationstar is violating the law for XXXX Homeowner 's. I have been told that they are required to conduct a review of the current financial situation of the homeowner before they foreclose ; this has not happened in my case, and I am filing a complaint against Nationstar to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Protas, Spivok & Collins. LLC
State: VA

Complaint narrative:
Being continuous contacted about a charged off debt from no longer functional ; bankrupt company. I have received a Garnishment summons for over five years concerning this account. This collections dept used a third party to gather information about me. The information that there using to collect is totally incorrect. I no longer work for the company they trying to collect from. I never applied for credit using the company information, I previously worked for. The only way they could have gotten that company information would be to get it from IRS or my personal email using a hacking service. The reason I said hacking email, is because I asked previous employer for a form to file taxes with and it was sent through my email account in PDF format, this month. That would be the only XXXX options I can think were they could have gotten employers data from. Hacking into a persons email account using a data gathering tool.

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

Complaint narrative:
I received an escrow analysis from Nation Star Mortgage saying I will have a shortage in XX/XX/XXXX so my payment will be raised. While reviewing disclosure I stated in XXXX XXXX no escrow was taken. Actual Payment stated o amount. 
On actual balance between XX/XX/XXXX and XX/XX/XXXX show same amount in XX/XX/XXXX and XX/XX/XXXX. I know I paid the {$180.00} which is the monthly escrow amount because my mortgage payment XXXX was exactly the same. 
When I called for explanation the rep. said yes I paid but could not explain why statement shows XXXX paid in XXXX. 
She said she would sent a record of mortgage payments made. I do not trust Nation Star Mortgage. They have a XXXX rating with XXXX. They are not certified with XXXX any more. 
They also sent me a PMI disclosure statement saying they were taking PMI from me but when I called they said no they just sent these to everyone. 
In XX/XX/XXXX or XX/XX/XXXX I applied for Homes Made Affordable. 
First they said they lost my paper work. 
They had purchased my mortgage from XXXX. They told me I was behind a payment with XXXX which I was not. 
they also said my escrow was short. When they finally approved homes made affordable loan my payment only went down {$16.00}. a month. I contact the state of WI they found I was supposed to receive {$1000.00} a year for 5 years for making my payment on time. They also made Nation Star adjust my Homes Made affordable loan and my payments were lowered by over {$200.00} a month My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX Mortgage Co. Nationstar Morgaage XXXX XXXX XXXX XXXX , XXXX XXXX Loan # XXXX My ss # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
Yesterday XXXX/XXXX/XX/XX/2015 I applied for a Credit Card via an offer from Discover Card through Credit Karma. When I submitted my information I was then told I do not qualify for the Discover Card I applied for and a XXXX card offer was made. This XXXX offer of lower interest ( BASED ON MY CREDIT SCORE ) was used a BAIT to get me to fill out the paperwork. Once I completed the paperwork another page popped up asking me to send copies of personal data such as SSN and or Current bills. I was not comfortable providing this information largely since the app did not work and all other credit cards I have can provide approval in XXXX seconds based on information contained in my XXXX XXXX. I called Discover Card and asked them if they were the actual Credit Card or was this scam, the whole thing was a bit fishy. I learned the Discover Card had no idea that they are soliciting new customers using bait and switch tactics on Credit Karma " indicating they do not communicate internally ''. I demanded that this process be cancelled and my credit hit be removed to protect my score. Today I get an email indicating the account was still being processed against my will. I called and spoke to XXXX Senior Agent in Delaware at phone number XXXX regarding application XXXX. I also demanded that she terminate the application and remove the credit hit sine this whole process was unfair and dirty BAIT AND SWITCH tactics. I told her I do not need the card with HIGHER INTEREST and I will not tolerate this treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: HI

Complaint narrative:
Received multiple calls per day from Nationstar mortgage starting at XXXX. Loan is not overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: SC

Complaint narrative:
I am writing to complain about a recent expierence with my bank Branch Banking and Trust Company. I have had an account with them since XX/XX/XXXX. On Tuesday XX/XX/XXXX I went to my local branch at XXXX, SC, XXXX phone XXXX. I talked to a Branch Team Member XXXX. I requested that my current checking account be closed and I opened a new one. I gave her a list of items I wanted paid and left just enough money in the account so those Items would clear. Also a month earlier I opted out of over draft and ach/ech protection and instructed her not to pay any other items presented, pretty clear cut instructions and she said she under stood. I also deposited {$20.00} in my new account the next day my wife came in to put her name on the account and deposit {$300.00} she was told an item that was not on the list was paid and that she owed {$10.00} more dollars.I contacted XXXX and she politely told me that they could not close my account until all the Items cleared. I asked if I could talk to her supervisor she gave me a phone # where I was told to leave a message no one ever called back. On the morning of the XX/XX/XXXX I went online and found I was charged overdraft fees of {$36.00}, {$36.00}, and {$72.00} to cover other Items I did not authorize. I contacted XXXX on the phone and asked her how much I needed to deposit to close my account for good so no more transactions would be processed she said {$620.00} I deposited over {$800.00} and thought the matter had been taken care of for good. Today I went online and found they processed another item out of my old account and charged me a {$72.00} overdraft fee. I called to talk to XXXX and she would not take my call i explained my story to a teller she told me my account would be closed tonight and I would have a positive balance of about {$60.00} on Wensday XX/XX/XXXX.At the least this is the worst example of customer service I have ever seen. However I think they may even be in violation of some consumer protection laws for one I was opted out of over draf protect but still charged over {$300.00} in over drat fees to cover items that did not even amount to that much. When I politely asked for a refund I was refused, Your assistance in this matter would be greatly appreciated my contact info is XXXX XXXX SC XXXX. Phone XXXX XXXX XXXX, and E- Mail XXXX Regards 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