vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-04 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
My savings account was involuntarily closed after the financial institution claimed that my overdraft protection exceeded the XXXX per month - preapproved transfers for a period of 12 months. In order to avoid any returned checks or transactions, I was prohibited from making any transfers of my own. This allegation that I exceed the XXXX transaction per month is the furthest from the truth and has caused me financial hardships of authorized e-checks being returned, my account being charge overdraft fees, and thus my checking account going into the negative. The intent of the overdraft protection is to avoid overdraft fees in the amount of {$36.00}, by having any debits that exceed the checking account balance to be extracted from the savings account. I was unaware of any limits per month - not to mention, I have not exceeded the checking account balance more than XXXX times out of a 12 month period. Closing the savings account has cause even more inconvenience as I have a {$500.00} direct deposit going into this account on a bi-weekly basis and will have to re-channel this EFT, in addition, I will need to go into the bank and withdraw the monies into the savings as the account is no longer valid. Much of the confusion stems from the manner in which the financial institution process its transactions, debits/credits/bill pay, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar mortgage has been lying and cheating to us for years. They told us not to pay our mortgage so that they would modify it and be able to lower our payments. XXXX I need help! We have XXXX kids. I am married for over 15 years to the love of my life, but I can not walk many days and our mortgage keeps rising. They have several class action lawsuits against them. We are deserperate to modify or refinance. But after they ruined our credit they have been reporting negatively for over 16 months and we have been on time for 14. They even put that we accepted a special program so it shows up in the negative column even though we are on time. They add inspection fees and other miscellaneous fees that they say we need to pay for and have had people outside our home. We have been on time for over a year but our mortgage keeps rising and I am so sick. While this was happening I was in hospice. I fight everyday to live to watch my kids grow older. We have XXXX amazing kids but I am in so much pain from my body. I am just so sick. XXXX and Nationstar has been dragging their feet. They refuse to fix my credit and they harass my phones and my Husbands and also mail us credit consolidation paperwork. What can I Do? They ruined us. We can not be homeless but need to be able to raise our children. They need to modify our loan and remove pmi like they promised. I have gotten over 10 letters stating that removing pmi would be fromXXXX -XXXX. They have no idea what is going on. My Husband tried and I have my friend typing all of this because my arms barely work to type all of this. This is crazy and terrible for my health. The stress on top of everything else is killing me. PLEase someone help us. We went to XXXX XXXX XXXX XXXX. We have always been told there are many Class actions so we need to join one. PLEASE WE JUST NEED THEM TO CARE enough before I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I received an offer letter to purchase a home refinance from Quicken Loans. Knowing that the standard practice is to specify any points required to buy down an interest rate with a specific credit score we allowed XXXX to inquire with the credit bureau. They respond stating that the pre qualified offer letter we received that says we can refinance at 3.5 % with a minimum credit score of XXXX was falsely advertised. A credit score of XXXX would require a purchase of XXXX points whifh the offer letter did not state. We met the LTV and debt to income requirements. 

In short, we were responding to an offer for a specific rate of interest on a refinance with the required minimum score and allowed a hit on our credit file based on the absence of any associated costs in the offer, we assumed standard closing costs etc. This offer leyter was a scam that costs our fragile credit rebuilding challenges a burden we did n't need.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I had my loan down to about XXXX and nationstar put forced insurance on me for XXXX doubling my loan, i faxed them copies of my existing insurance neverresponded, that was in XXXX now in XXXX they are adding forced insurance again of XXXX they now say I owe them XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
The loan servicing of our first mortgage was sold by XXXX to Nationstar Mortgage in XX/XX/XXXX. Our XX/XX/XXXX payment was lost in the transition. XXXX has acknowledged that they received our payment on XX/XX/XXXX, and then sent the payment to Nationstar on XX/XX/XXXX. Nationstar claims they never got it. We have been a month behind with Nationstar ever since. Additionally, we have been paying above the required payment amount, yet Nationstar has not been applying that to principal as is common practice. They have been putting the money in a suspense account. Unless I ask them to, they do not apply it. I have called Nationstar XXXX times ; sent emails XXXX times, including filing a claim with them for the lost payment. A subsequent call to their Customer Service department said our claim was declined, although I never received any correspondence to that effect. We are getting saturated with late payment collection calls ( almost daily ) and notices about how they can help if we ca n't make payments. Totally not the issue here. 
My last conversation with them was on XX/XX/XXXX. My mortgage broker and I tried to work our way up the food chain - c/s rep, c/s supv ... - landing on a c/s manager named XXXX. XXXX promised a call back on Monday XX/XX/XXXX @ XXXX a.m. with response after speaking with his Vice President. On XX/XX/XXXX, I called and asked for him. Either he was n't there or was n't taking calls, nobody was sure, nor did them seem to even know who this guy is. To date I have made numerous attempts to resolve this with Nationstar. At minimum, they should bring ouraccount current as they have the confirmation from the prior servicer that my loan payment was received. What they do in the background to get their money is for them to do and not in any way affect my/our status and credit. Of note : because of this payment being " misplaced, '' our XXXX for XX/XX/XXXX will now be incorrect and I fear XX/XX/XXXX reporting will not be accurate as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
On or about XXXX XXXX, 2016, I applied for a VA Mortgage with Quicken Loans ( QL ) because QL was listed as the nation 's second largest VA Mortgage lender at the VA website. QL demands that I prove that I possess {$12000.00} on hand to cover for the closing costs, however, QL refuses to break down what closing costs amount to that number. I did convey to QL that I had {$12000.00} in cash assets available before QL demanded {$12000.00} for the closing costs and then increased the amount to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
my client applied for a loan modification with Nationstar mortgage. his loan is serviced by Nationstar and owned by XXXX. The process started in XXXX and the home owner was required to submit financials XXXX times, change the XXXX XXXX times, and provide tax returns and explanations more than XXXX times. twice he was called by Nationstar and told they will be offering him a loan mod and to stop paying the mortgage. This morning I went on to the Nationstar website to see if they had amiled him the modification agreement and noticed the modification was declined. I called and spokt to a representative in loss mitigation. I called on a recorded line and the loss mit representatives name is XXXX XXXX. The time of the call was XXXX eastern time. He stated that Nationstars policy is not to allow a modification until the home owner is at least 90 days late on the mortgage. When I explained the home owner would be in danger of foreclosure he said to tell them not to spend the money but to hold it so the loan can be reinstated if a foreclosure date was scheduled. When I explained they would incur additional costs for late fees and attorney fees he said there was no way to avoid it. The homeowner qualifies for the XXXX modification and there is no reason that he was denied. they claimed he did n't have a hardship. This homeowner was 60 days late in XXXX and sold an automobile to get current so he could show them he would act in good faith, and by declining him the modification they are putting him in jeopardy of falling behind again and potentially losing his home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I have filed numerous complaints in an attempt to stop Nationstar Mortgage from attempting to steal my home. I have not been able to reach a representative since I submitted my modification documents. Their phone number does not work and you can never reach a representative during the hours they claim to be available to check on the status of my modification. This is an attempt by this company to steal my home as I sink further past due with no relief available because they are not returning calls. I have filed complaints with the CFPB, XXXX, Justice Department and any other entity I feel can help me stop this crooked company from stealing my home. Please help! I just received a call from someone who claims to work in their customer relation department but he did n't want to discuss my modification. He claim to have called to let me know it has been assigned to someone. I told him I know a XXXX XXXX is supposed to be handling it but I have been trying for almost a month to reach her and not once has she ever contacted me. This gentleman called from XXXX. He would n't talk to me but was only willing to transfer me to XXXX. I explained I just called her this morning and she has not returned my phone call. He said when I call XXXX or XXXX I can hit XXXX and get any rep and transferred me while I was talking. I got XXXX voice mail again and hit XXXX only to hear the automated voice tell me no one was available. How can this be legal? How can this company do this? I have NEVER in my life deal with a company with this type of business practices. I am doing anything and everything I can to get some help and they are going to steal my home from under me by ignoring each attempt I make to reach them for assistance. I do n't know what else I can do. Please investigate this company and their unscrupulous morals and business practices. Do not let them steal my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX We are writing this complaint .... One that we have written on almost every file that we have had over the last 1.5 years with Select Portfolio Servicing ( SPS ). SPS is again dragging their feet on working on this file and has stretched out the file review for an additional 90 days. They continue to claim that each time their request a new document that they automatically give themselves another 30 days to review the file. So it should be no surprise at all that they end of each thirty day period, a new document is requested. This game has go on now for 3 successive months. Escalations of the file within SPS ' system yield no results and it appears that they only two reasons this is occurring is that it allows them to milk more servicing fees out of their dimwitted investors ( who have yet to catch on that anything is even going on on their asset ) and an utter lack of employees. It is very sad, but we have had managers at SPS tell us that they are doing the 'best ' they can, but are grossly understaffed. One can only assume that the chronic understaffing is being done in order to increase their profits at the expense of their investor, the borrower, and the communities in which these properties reside. 

I humbly request that instead of us having to continually fight to even get our clients documents review and files worked on that the CFPB take administrative action against SPS. Not only is the CFPB 's database filled with complaints against SPS, but a quick XXXX search will provide days .... In not weeks of reading material on the subject of SPS and servicing fraud. 

We would appreciate if the CFPB could put pressure on SPS to actually review and complete the file that we have submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
Nationstar Mortgage LLC ( XXXX XXXX ) has ignored our requests to correct a problem created back on XXXX 2015 when the monthly auto-payment for XXXX mortgage loans was suspended without notice. 
Since then, Nationstar Mortgage LLC stopped/started partially posting our on-time monthly payments to the accounts in violation of loan servicing and breach of contract laws. Instead each month after XXXX XXXX, the company began to add late fees, property inspection fees, and derogatory reports to our credit history. As of today, the problem is still present. We have received foreclosure notices, phone calls from the costumer 's service staff threatening us with a number a nasty, unfriendly and scary tactics demanding payment even-though the monthly payments to these account are send in before due dates. We are looking for your assistance in getting this problem resolved since the company has ignored all our pleas for a rapid solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I am in the middle of trying to settle a short sale thru Select Portfolio Service located in XXXX XXXX XXXX, Utah. We have submitted documents that they have asked for on several occasions. They are still working on imaging documents that were sent to them on XXXX/XXXX/XXXX. This is the third time these documents have been sent to them. They are holding up the short sale process since XX/XX/XXXX. In the mean time they have sent me documentation that they are going to foreclosure on the residence. The hold up is them, and they are harassing me daily for items that have been sent to them.i have a court appointed trustee attorney on it and a short sale attorney on this case to get it resolved. They suggested I write this to file our complaint on the incompetence on their part. They are now asking for financial documents that were sent to them in XX/XX/XXXX from the short sale attorney. This will be the 4th time they have asked for it and received the same documents. I do n't know where it goes, but we get verification that they receive it thru e-mail. after a period of time they are asking for it again. These are the collection agency for XXXX XXXX that has the loan on the residence and property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
I 'm a young professional not far removed from college and I had a Charles Schwab Bank High Yield Investor Checking account. After years of being a diligent customer -- never once overdrafting -- Schwab sent me a letter titled 'Re : Closure of Schwab Accounts ' in the mail, in which they informed me they were closing down my account in one month, without providing a reason why. 

This caused angst because I had to scramble in a short period of time to re-arrange my banking life so I could make pending payments on-time and avoid fees. Contributing to the angst was the fact that the monies in the Schwab account were helping Mom and Dad cover some of their bills. 

I asked Schwab by phone for an explanation re : the closure, but they informed me they were not legally required to explain why. I wrote the CEO of the company directly to appeal the closure. This appeal was rejected. And when I asked for an explanation, they again refused to provide any information. 

In short, Schwab fired me as a customer -- a good and diligent customer -- without explaining why.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Aurora Loan Servicing is reporting my mortgage as " Delinquent XXXX '' to XXXX. This is incorrect and they wo n't change it. Aurora Loan Servicing transferred my loan to Nationstar Mortgage in 2012. My loan has been current the past 4 years. I 'm in a 6.6 % interest rate mortgage and ca n't get an approval to refinance because this trade-line is still being negatively reported by XXXX. The trade-line needs to read as follows : " Paid was 90 days, balance XXXX ''. I 'm attaching a copy of the credit page I got from my mortgage broker. Please Please Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I have pending items on my account, and a {$10.00} check came through and was processed. Even though there are pending items that have n't posted to my account ( meaning that until those actually hit, my account is still not technically overdrawn ) PNC decided that it would still charge an overdraft on the check, charging my account {$36.00} additionally dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XXXX/XXXX/2016 I went to pnc bank on XXXX I put in my account {$230.00}, $ XXXX, went in taking under orders {$130.00}, I ordered some shoes right away but somehow, they did n't come out right away, I was made to put nearly, actually a whole another {$100.00}, in the bank which makes total a {$330.00}, deposit bit I do n't have all such worth of transactions nor, goods making this transaction show dollar for dollar wat, I used, the banks Delayed '', inacccurate, management, accounting my cash to my account fastly, inacccurate not my fault, inacccuratesnfact this is n't the first time I post money n it was gone, or never usable, or used n then I was told " you went busty how can a merchant such as finishline b allowed to say " item went thru, when it didmt? how can bank hold off giving items to them when funds were there,? then turn around n charge XXXX? XXXX bank also when I went to it a XXXX, XXXX, charged in words across the teller till STATING YOU MADE XXXX COMPLAINT VS US '' XXXX? WHICH I CHE KED HER PUT HER IN HER PLACE, BUT THIS STATEMENT TELL ME THAT IT 'S IN THE COMPUTER MY COMPLAINT IN THEIR RECORDS WHICH EXPLAINS WHY I MAY HAVE BEEN CHARGED N ERROR. IF U SPENT XXXX $ XXXX/WITH ONLYBXXXX $ WORTH OF TRANSACTIONS TO SHOW FOR IT, THEN BE TOLD YOUR NEARLY $ XXXXNEG, PUT MORE MONEY IN WHERE 'S MY CASH GOING? I DEMAND IT BE RETURNED, THIS BANK HAS ALSO DENIED LOANS TO BLK, VETERAN XXXX CLIENTS LIKE ME, N BEEN DISHONEST DENYING NOTARIES, TO ME AS WELL, THIS BANK HAS ENGAGED IN RETALIATORY, ACTIONS VS ME SINCE I 'VE BEEN DOING BUSINESS WITH THEM AND MUST B FINED ALSO FOR ALLOWING TRANSACTIONS TO GO THRU, NUMEROUS TIMES ONLINE N THE PORTAL, ONLINE DO N'T MATCH WORD FOR WORD SPELLING OF MY NAME ON CARD, /BANK FILES, WJICH MEANS SECURITY OF PNCBANK, XXXX THEIR ATTITUDES N WORKERS

Company response to consumer: Closed with explanation