vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
. New servicer is reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy. The reporting date is XX/XX/XXXX and Date of last activity is XX/XX/XXXX. This debt was discharged in XX/XX/XXXX and I didnt reaffirm.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: KS

Complaint narrative:
On XX/XX/XXXX a {$16000.00} principle mortgage payment was made bringing our equity over 20 % ( {$99000.00} balance / {$120000.00} Sale Price ). We requested that PMI Fees be removed at that time and was assured by a BB & T representative we would no longer be charged PMI Fees. We have not received a statement since that time and have had difficulty viewing information on the website despite repeated request for assistance logging into our account. When we are able to log in, Statements displaying how payments are applied are not available. On XX/XX/XXXX we spoke to a BB & T representative who informed us PMI fees are still being charged to our account. The representative said PMI Fees will continue to be charged until XX/XX/XXXX. The representative informed us we must obtain an appraisal and request PMI in writing but, could not provide information on how to do this. This amounts to fraud and theft. There is a clear intent to misinform customers and make it very difficult to remove PMI fees in an attempt to defraud BB & T customers.

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 2016-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
BB & T decided that they would investigate my checking account that I had with them in 2013. I was not recording my transactions accurately to where I was under the impression that I had available funds in the account when I did n't. During that time I also had an account with XXXX XXXX that I just opened because I did n't like the way that I was being treated at BB & T. BB & T closed by account because I was always negative and decided to inform XXXX XXXX who froze my money. I had to wait 7 DAYS in order to get my own money released to me. Then XXXX XXXX closed my account because of BB & T. Its really crazy because every time I go into XXXX XXXX, they offer me to open an account with them. I never ever want to do business with XXXX XXXX or BB & T ever again. I also make sure that when I hear consumers going to open accounts with them, I tell them of my story and they change their minds.

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 2016-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I allowed Quicken Loans to check my credit once in early XXXX of 2015 as I was shopping for a refinance opportunity. I checked my credit report and found Quicken Loans has made several additional credit checks since the first and only XXXX that I authorized. My credit score has dropped due to their repeated credit checking. After the original credit check with Quicken I told them I was not interested. I wish to file a complaint against Quicken Loans and request they have the credit bureau 's remove all the additional credit checks they made following the first and only credit check I authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The Post Office returned my mortgage payment with a certified letter, stating on the envelope returned to sender, no mail receptacle, unable to forward. I called Select Portfolio Servicing, as soon as I received the returned certified letter, but the office was closed. I waited until Monday, next business day ( XX/XX/2017 ), and I made the payment by phone. I 'm checking today XX/XX/2017, and the payment had not been submitted to the bank. As far as I 'm concerned they are trying to defraud me. I 'm never late with the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
My loan is services my Nationstar, the loan itself is roughly 4years old. My escrow was set at a certain amount every month. Someone at Nationstar filed my insurance of the PMI incorrect and it made my payment skyrocket. I have called XXXX different times to get it resolved. At first it was even hard to talk to someone that could understand my situation. Finally after being transferred over and over I was led to a woman who was able to tell me that I owed the money for their mistake. I did n't give up there because reading online it seems this is unethical and bad business practice. I was then put in contact with a manager of the insurance department. He was very nice and took my information down and assured me they would figure something out. He called me the day after and said he was still working on it, which was a change of pace from how I was treated earlier. I thought I was in good hands. I was wrong because I let it go about 32 days and called him back. I left XXXX voicemails over 2 weeks thinking he was going to get back to me. I could n't be any more wrong. He has yet to call back and my payment is still higher than what I signed for. I have not missed my payment over the life of my house in 9 years. I do n't intend to start now. This company is to put it lightly, making it difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I file for Chapter XXXX Bankruptcy protection, and requested the federal court to issued a Temporary Restraining Order against SPS the mortgage servicer to prevent the sale of my XXXX House, on XXXX XXXX, 2015 the court Grand me a Temporary restraining Order against SPS ( Copy Attached ) but the following attorney for the SPS, XXXX XXXX, requested a sale of the property that at the same time we were working in a mortgage modification ( Dual Tracking )., at the same time I was communicating with the case manager XXXX XXXX XXXX continue to tell me that the SPS will stop the sale as long I provide all documentation witch I did. they request the sale to be schedule by XXXX XXXX, 2015, and the day of the sale the Judge denied the motion to cancel the sale but it was a clerical error so the sale it was schedule for XXXX XXXX, I contact the SPS Case manager XXXX and she told me that they will vacated the sale,. at the day of the hearing the SPS attorneys did not show so the Judge continuo with the sale., the property it was sold XXXX XXXX violating Federal Bankruptcy Rules and CFPB Rules like ( Dual Tracking )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I will like to make a complaint against nation star mortgage, my mortgage originated with XXXX bank who sold my mortgage to nation star. In XXXX, I received my escrow analysis saying that mortgage escrow shortage which was a total of XXXX more a month when I called them they could not explain to me the reason for the dramatic increase in my escrow. I also mentioned to them I switched insurance which was cheapier then the prior year and I asked for another analysis. They told me it would be completed in a week to call back. I called back to follow up with them a week and half later and they said they still did not have the analysis ready to call back in two weeks. I called back in two weeks and they brought the escrow shortage down to XXXX something a month. I asked them to explain to me what happened to increase it by so much and still have not gotten an answer. XXXX XXXX taxes are XXXX a year and insurance is XXXX a year. I feel uneasy about this situation being that no one can clearly explain to me why the increase is so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Select Portfolio Servicing is a debt collector who claims to have seized my home in year 2004. I still reside in said home. I am a veteran XXXX being bullied by this company. Repeatedly sending the local Sheriff to my home and posting foreclosure papers. I did not ever receive a loan from this company. The company they claim to be collecting for is XXXX XXXX which is no longer in the loan business. I believe the statute of limitations is expired on their debt claim. There are discrepancies in the tax records on said property they are claiming to seize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
Applied for a modification when my husband passed away and I was the only income. They sent me the package which I completed sending all requested documents/tax returns/death certificate-notarizefterd. SS statement of benefits/XXXX years of bank records/copies of all my monthly expenses. All this was faxed at my expense. Then the calls/e-mails started ... ..they needed this they needed that. I sent it all I told them.Well we are missing documents. Sent what they requested again.Faxed. to them. Still missing documents.. Supposedly they assign an account manager to your case but you never get to speak to that person.Anyone answering the phone can help they say. After almost a year I get a letter saying I was denied the modification because of missing documents. I stopped paying my mortgage and told then they can foreclose which will take about two years. When we go to court I will show how they try to " help '' their customers especially seniors. As of now I am only XXXX payments in arrears

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Mortgage company refuses to take stop foreclosure to allow borrower to modify loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
servicer has had approval from XXXX for a short sale for a week which needed management to sign off on it and I can not get it from them. the home is a short sale and had XXXX offer in 6 months. we have no hope of selling if we lose this buyer. Servicer has been notified of this but does n't seem to care.

Company response to consumer: Closed
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2015, I submitted a complaint ( # XXXX ) about NationStar Mortgage 's utter failure to acknowledge or process my multiple requests for a loan modification. They have done nothing except send me auto-generated form letters. Indeed, their prior response to my CFPB complaint was worthless - it was nothing more than a computer generated response saying that they take customer service seriously. What a joke, because they have no customer service. Now, once again, I have provided them with every single document they have asked for, and they are nevertheless telling me ( via a form generated auto letter ) they do n't have a required document. It 's complete nonsense. I am at a loss of how to deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I am XXXX payment behind on my 2nd mortgage. I signed a payment workout authorization with them in XXXX since then they have got my account all messed up holding payments, calling and threatening to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
We are trying to split a parcel of land located in XXXX XXXX, Minnesota. We have been approved by XXXX XXXX to subdivide the lot and filed new deeds with the county, but the entire parcel is still being held for collateral by Nationstar Mortgage. The mortgagee and our neighbor is XXXX XXXX. He has given my husband and I permission to submit paperwork on his behalf. 
We had to have an appraisal done for Nationstar as part of the application for land release from them. XXXX XXXX 's parcel, after the split, is worth {$190000.00}. His loan balance is approximately {$20000.00}. Yet Nationstar is requiring he pay {$2900.00}, to be applied to principal, in order to release the property. 
We are just wondering if, per the statement pertaining to the OVL formula, if this is fair since the appraised value of the property by far exceeds the current principal balance. 
I believe this is the clause in the Partial Release Application pertaining to our situation : If monies are needed to secure the value of the loan, the borrower will be contacted and advised of the amount. This amount must be paid and applied to the mortgage loan as a principal payment reducing the outstanding balance prior to the execution of the partial release, or, might be used for property improvements. The resulting loan to combined value ( CLTV ) ratio after the release is completed can not exceed the C LTV before the release. Nationstar Mortgage 's value in the property must be secured in order to process a partial release. Any reduction in value can not exceed the principal payment received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
My loan was transferred from XXXX XXXX XXXX on XXXX XXXX 2015 to nationstar mortgage. I sent A payment in to nationstar in the amount of XXXX which they received on XXXX XXXX 2015, they never posted it to my acct untill XXXX/XXXX/2015. My loan was paid in full due to sale of my house on XXXX XXXX 2015 .and the payoff did n't refeflect the XXXX payments I had to pay more at closing. My complaint is I have n't recieved that XXXX that was supose be to refunded to me as of today XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I had a mortgage with Nationstar Mortgage which I refinanced elsewhere. I had to complain to get all of my escrow refund, but they finally sent a second check. Now, I am reviewing the statements from them and doing an audit and I find that they XXXX paid my PMI in XX/XX/XXXX. 

I am attaching the annual escrow statement dated XX/XX/XXXX showing the previous year 's payments, which shows they paid PMI in all 12 months ( no skipped payments to be made up later ). It also shows an ending balance of XXXX. 

I am also attaching the last escrow statement dated XX/XX/XXXX which strangely shows a beginning balance of XXXX. That statement goes on to show XXXX payments for PMI were made on the same day XX/XX/XXXX. 

When I called them they said the second payment on XX/XX/XXXX was to make up for a missed payment in XXXX. The problem with that is the statement says there was no missing payment, in XXXX or anytime in the year. 

They then tried to explain that the Annual Statement is a projection and not actually what was paid. This is again ridiculous as the statement was issued XX/XX/XXXX but included what they said are projections of what had happened in XX/XX/XXXX? Additionally the statement says the figures are " Actual Disbursements '' not projections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
Today at approximately XXXX i called Green Tree to schedule a payment for my mortgage. At such time i spoke to XXXX my account rep. I explained that i was going to be about 34 days late on my mortgage that i will pay it on XXXX/XXXX/15 for the XXXX, 2015 payment. I have done this on XXXX other occasion in the last few months. During the conversation she sees my payment history usually late but like i said only once pass 30 days and i catch up. She tells me to hold on and transferred me to a XXXX or XXXX i could not hear very well. The conversation becomes aggressive immediately demanding that i come up with the money before XXXX XXXX. His tone out of control. I said excuse me did n't your company just settle a suit with such tone, harassment against your clients? He says I 'm not harassing you. I said well guess what are you going to accept my payment for the month of XXXX now for XXXX XXXX? He said no only if you pay XXXX months XXXX and XXXX. I said look i will pay XXXX on XXXX XXXX. XXXX looks as if it will be past due about 35 days. In XXXX i get paid XXXX times that month i should be able not to fall 35 days behind. His tone becomes high demanding again and now even more uncontrollable. Telling me, i just pay rent since i can not keep up with my payments. I told him that i hope this is being recorded bc he is out of control also mentioning that I 'm protected from when i filled for bankruptcy a few years ago that i paid XXXX for this house owe XXXX now and that I have read the contract that i signed under the modification prior to my bankruptcy with them. He keeps on with his tone and anger disrespecting me demanding. That i must pay. I then identify my self as a XXXX and that i do not like his tone. He goes on demanding the payment before XXXX 2015 he adds by saying " pay out or leave your paying rent ''. I said wow i cant believe i hope this is all recorded and before i loose my cool i decided to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
My loan is with Navient ( XXXX ) My first complaint is that when my daughter was in the military and the military was going to pay off her student loans my daughter and I asked Navient to release my name from the loan so it could be paid off Navient refused. Therefore the military could not pay it off. 
My 2nd complaint is that I 'm a public school employee so I contacted Navient about getting on the loan forgiveness program and Navient said I would have to pay more on my monthly payments to be in the program but financially I could not afford to do so. 
Lastly when I was forbearance I was charged interest. 
The payment plan I 'm on will result in me paying approximately 51 thousand dollars by the time I 'm done which is almost twice as much as what my original loan was.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Does n't want to help me adding land taxing or land inspection to mortgage on ever paper every month I need help low it or get it back to something that is not add on but they are adding land in section on my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I have been trying to get my house refinanced for months, and I keep contacting my own mortgage company, Nationstar, to get this accomplished. I have twice now been switched to Greenlight. They run me in circles for months with lies and inaccurate information, have me submit the same information over and over, and pull my credit over and over. 
I attempted to contact Nationstar again yesterday, and was assured I was working directly with Nationstar, and not Greenlight. Greenlight Financial has horrific reviews online because they flat out lie and give out inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
My mortgage statement from the last two months has reflected about a 50 % increase to my pmi. I sent in several requests to get an answer from my mortgage servicer, without a sufficient answer. My mortgage was modified in XXXX of 2014, and the balance owed was decreased was from about {$310000.00} ( original loan amount ) to abouty {$210000.00}. We currently owe about XXXX. Our PMI has been {$210.00} from when we originally opened it until my XXXX statement. That statement reflected the increase to {$310.00}. I called Nationstar 's customer service and they told me that it was increased due to the modification and my outstanding balance increasing. This is obviously not true.

Company response to consumer: Closed with explanation