vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
The end of XX/XX/XXXX I submitted a payment for XXXX to NationStar, they received the check-they had a scanned copy, however they did not apply it to our account. I received the XXXX statement from them and was then made aware of the problem. This went back and forth calling, them not responding and calling, leaving messages until XXXX. I finally spoke with a live person-XXXX on XXXX XXXX. She said she did see the check, but it was not applied to our account, so she was going to investigate and I was to call her back the following Thursday. She said if they did not 'find ' the check we would have to do a stop payment, but would be reimbursed all fees from our bank, because it was their error. Also, she said they would remove all penalties and fees we had added to our account. I was going to make XX/XX/XXXX payment to next day, but she said she would do a check by phone, at NO CHARGE because of the problems we had been having, she said that way we knew starting with XXXX we would be ok. The following Thursday, XXXX XXXX I tried calling her, I left numerous messages as did my husband. No one EVER returned any of our calls. 
On XXXX XXXX I did a stop payment on the check for XXXX. My husband talked with XXXX in Customer Service XXXX XXXX and did a check by phone to clear XXXX. 
However, when I went online to check the account it was still in arrears! 
Since XX/XX/XXXX they are taking the payment, then reversing it back out! 
So, the fees/penalties continue to add up. We have called almost daily and no one will return our calls or do anything to help us. All they say is they will investigate, then send a letter saying we are behind, when are we going to get the account current????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants and Medical Credit Corporation, Inc.
State: NC

Complaint narrative:
I called and advised them it was not a valid debt & that I was suing the creditor. I asked for validation of the amount because it was inaccurate. Within a week, without validating the debt the collection agency reported it to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
Nationstar of Texas took over XXXX mortgage after XXXX. Initially Nationstar phone rep granted opt out for Escrow, then they later renigged. Because of XXXX affiliates XXXX and XXXX Escrow violations payment is being sent via US Postal money orders dividing principal/interest, ins /tax and their declared XXXX th overage. They have invented a Forebearance Suspence account holding Escrow and overages and charging late fees because it is n't a lumped cumulative payment, also declared default during transition. Same strategy as XXXX and XXXX, blackmail credit rating with highly questionable balance manipulation,,, ,result will be a Postal Fraud claim ultimately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
First mortgage with XXXX is current. 
BB+T is forcloseing on a HELOC, and I have prodigy reality representing me at this time. 
Bb+ t has a value of {$310000.00}, after over XXXX showings, no one is coming to the minimum threshold sale price of {$300000.00}. 

I would respectfully request bb+ t, to order an independent appraisal, and based on the results, potentially lower net amount amount bb+ t will accept, or modify my our HELOC. 
It was never our intention to loose our home. We love living here. 

XXXX Is our mitigation specialist. Cell XXXX. XXXX, Florida 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
Consumer complaint received 2015-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
When we opened our account, we were told by the branch manager that the XXXX {$100.00} of each check deposit into our business account would be made available the same day. We made XXXX separate deposits at the same time and was able to log in online to see that we indeed had XXXX, {$100.00} hundred dollar pending transactions. Overnight, BB & T reveresed XXXX of the {$100.00} deposits charging us overdraft fees. This occurred on XXXX/XXXX/15. If the bank actually receives and deposit clears the same day, then the funds should also post the same day. Check XXXX should work both ways and for the consumer and not just against the consumer. 

BB & T back dates deposits creating confusion. For instance, if I make a deposit on XXXX/XXXX/15 for {$500.00} but only the XXXX {$100.00} is made available that day, then both online and the statement should read deposit of {$100.00} on XXXX/XXXX/15 and {$400.00} on XXXX/XXXX/15. We believe that deposits are actually cleared and posted on the same day but not credited.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Foreclosure-Illegal Process and Guidelines. 

My home is scheduled for Foreclosure Sale XX/XX/XXXX - TOMORROW. I have been told I am in a Trial Modification without my receiving any documents for me to sign. I only received information in a Monthly statement ( via mail ) that my monthly Trial Modifications were to start XXXX and payment needed to be received ON or Before XX/XX/XXXX. How can I have until XX/XX/XXXX BY LAW to make my monthly payment but have a SALE OF MY PROPERTY XXXX XXXX? This to me is against the LAW! Please assist with correcting this to protect me as a consumer. This does not seem to align with what 's law. NationStar now says I have to have my payment in by XX/XX/XXXX to stop foreclosure proceedings for XX/XX/XXXX. This is not right. They refuse to disclose any terms of a permanent modification ; and their papers say this is Trial Modification Offer not Trial Modification.

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

Complaint narrative:
Nationstar Mortgage is currently engaging in dual tracking and their foreclosure law firm XXXX XXXX, XXXX is attempting to foreclose using a robo-signed Assignment of Mortgage. I have provided XXXX XXXX, XXXX and Nationstar Mortgage with the evidence of fraud. The Assignment of Mortgage in this action was executed on XXXX XXXX, 2013 and recorded/filed on XXXX XXXX, 2013 was robo-signed by serial robo-signers XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
I financed a car from Regional Acceptance Corp. a few years ago. I fell into a financial bind and could no longer afford the car. They called me XXXX evening and told me they were going to repossess the car. I gave them my permission to take the car. They said that they would sell the car. Well, as it turns out, they did sell the car and now they want {$9000.00}. from me because they did n't get the price they wanted. They 've sent me several letters asking for the money. They even sent a certified letter. The car is not worth that much and I want to be left alone. I refuse to pay for a car I no longer own. They said that they got over {$6000.00}. for the car. Well, take that and be satisfied. I will not give them any more money.

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 2016-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: NATIONS LENDING CORPORATION
State: VA

Complaint narrative:
I am the owner of a home and have been in a Lease / Purchase agreement with the renters for two years. By the end of the two year contract, they were to obtain financing and purchase the home or move out if they could n't. They found an online mortgage company, Nations Lending Corporation XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, that they obtained financing with. Nations Lending requested that I give the renters an extension to our contract so that they would have time to complete all the necessary requirments for a VA loan. I agreed to this and had an addemdum drawn up and gave them a 3 month extension. At the end of the 3 months, the mortgage company still not have everything completed and asked for another 2 days. The Title Company, XXXX XXXX XXXX XXXX, XXXX, XXXX, sent a " Closer '' to the Buyer 's house to notarize the closing documents. She showed up 3 hours later than the agreed time of closing ... which was after the bank and courthouse had already closed. During closing, I find out that the Buyers have a loan for {$16000.00} over the sales price. I am asked to sign a XXXX showing that I am to receive proceeds from the sale. I was asked by Nations Lending to not mention to the Closing Agent that I was n't really getting the proceeds from this sale and once the documents were signed, to write a check back to the Buyers for the amount I was receiving. It was wrong of them to ask this of me and a very underhanded thing to do. ( I will have to pay taxes on these proceeds that I knew nothing about!! ) It was our agreement that I sale them the house for the payoff amount. I made nothing off of this sale. It has been four days since we closed and my mortgage still has not been paid off and the deed still has not been recorded. It is the law in the state of XXXX to record on the day of closing for a sale of property. Nothing this bank has done has been legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
I have a mortgage loan with Nationstar. The legal description for the property on the loan needs to be corrected. Nationstar refuses to make the correction or give any answer as to why they will not change the legal description. The legal description on the loan is for the property next door to the property that the mortgage is for. I need to know how to have this corrected and Nationstar will not provide that information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
On XXXX the first I was told I had to do a loan modification to keep my home I was behind 90 days they refused to help me get caught up on XXXX XXXX XXXX I was rushed to the hospital XXXX .so any way then on the not XXXX I was issued a terrible attorney letter from XXXX XXXX XXXX XXXX Indiana then on the XXXX of XXXX I was sued by nationstar from the court I had a case number so I called nationstar so they told me numerous times to diss regulars any letters from the court I was in a loan modification well after another hospital stay and XXXX I went to a XXXX seminar they told me to file a complaint that all these fees XXXX dollars in attorney fees etc is all illegal they are helping me to work this out but I was vey XXXX and have XXXX of equity and these people wants to push me out of my home with my XXXX XXXX XXXX mother I the care of I have filed a complaint XXXX as well Indiana my loan number is XXXX I did n't even want a loan modification then I get a phone call today I have been denied XXXX XXXX XXXX and to keep my home I now need a crazy figure my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am working with the get XXXX program with my state and they are going to help me but they told me to file this complaint beaus why thy di under my loan modification was illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Mortgage company has not payed my property taxes or my homeowners insurance for last quarter and there is plenty of money in escrow I have now got legal paper sent to me from state for unpaid taxes fined and late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BB&T CORPORATION
State: KY

Complaint narrative:
I made a payment of {$800.00} on XXXX/XXXX/15. The bank processed this transaction, and it was officially pending on my account. On XXXX/XXXX/15, the transaction for XXXX/XXXX/015 has completely disappeared from my online statement. I call BB & T to see what happened to the payment and the representative informed me that the transaction had been cancelled by the debtor and she proceeded to tell me that this transaction would not be posting to my account because it had been cancelled. I had some other bills due since this transaction had been cancelled I thought I would put this payment off XXXX. I went ahead and paid XXXX other bills and was not concerned about being overdrafted since it was evident that transaction for {$800.00} had not been processed and had been cancelled according to the BB & T representative. On XXXX/XXXX/15 the transaction of {$800.00} had been posted to my account even though I had not been told that there was no way this transaction could post. Now I have XXXX other ACH items out at the moment and once they post my account will completely overdraft. I called a BBT representative again to only be told that there is nothing that they can do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Dear Sir, This complaint is against Nationstar Mortgage the servicing dept. I was told by Nationstar that I should participate in their HARP loan program, where my loan originally was a interest only loan that turned into a fully index loan with PITI. The payment through me out of Budget, so Nationstar stated the best option was the HARP Program. Enclosed is the email stating that I was approved, and I would be skipping a payment the date was XXXX/XXXX/15, on the week of my closing I get an email that I 'm was not approved. I thought that something was wrong because the communication checking to see what is going on had stop. I kept going to voice mail for XXXX days. The loan office on this deal plus the processor could not be reach, on XXXX/XXXX/15 I got the enclosed email telling me that I was not approved. I told them since this file is with Nationstar can you take it to the modification dept. personally since you quoted the wrong rate, a teaser, XXXX I told them that I had a problem paying the original loan payment and I reached out for help and they suggested this program. I am now going to be in foreclosure if this problem is not corrected. I need someone from their management to look into this. The loan number is XXXX, borrower is XXXX XXXX. This like a switch and bait after the client does everything in their power to give them what Nationstar ask for. The companies hide behind the automatic systems and voice mail system, it takes a strong consumer to fight through this so that it can be justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
XXXX/Quicken Loans pulled my credit without my authorization and permissible purpose. 
I have attached documentation. I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
This was originally a XXXX Loan. Deutche started a foreclosure action and at some point XXXX tried to foreclose and was represented by XXXX XXXX Firm and now foreclosure is being aggressively pursued by Deutche Bank. There were notorious robo-signers ( XXXX XXXX ) and bank never had standing due to filing foreclosure action before they claimed to have owned the note.

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 2016-06-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
History : We are currently involved in a residential mortgage situation that began with refinancing both our residential property as well as a rental home with XXXX XX/XX/XXXX with a three year ARM. XX/XX/XXXX XXXX was purchased by XXXX XXXX XXXX and our servicing agent changed. Our payment went to the old servicing agent 's address and was sent back to us. The new serving agent began adding late payment fees and would not accept our payment, telling us that we were already in the foreclosure process. We felt that we had no choice but to file Chapter XXXX XX/XX/XXXX to stop the foreclosure process and protect our home and rental property. We had our case dismissed XX/XX/XXXX. When we received our first communication from the servicer after dismissing our case, we realized that the servicer failed to adjust our interest rate on both properties in XX/XX/XXXX, and that the XXXX index rates had actually gone down which would have significantly decreased our payments prior to our decision to file Chapter XXXX. Had we known this it might have affected our decision. In addition, the servicer failed to adjust our rate every year after that, and again, the rates have fallen each year. After numerous inquiries, the servicer made the first ARM adjustment in XXXX XXXX and even that interest rate was calculated incorrectly. We filed a complaint with CFPB in XX/XX/XXXX for our personal residence ( Case # XXXX ) and our rental property ( XXXX ). The servicer for our residential property admitted to the interest rate calculation error in their response to our CFPB complaint. 

Current Complaint : The servicer for our rental property ( Select Portfolio Servicing ( SPS ) ) has not corrected the interest rate calculation error or responded to our CFPB dispute of their response. In addition they have not advanced their foreclosure case since their original court filing. Through our legal counsel in XXXX XXXX we submitted information required for the HAMP program even though we have never qualified for any of the HAMP programs. SPS offered us a trial modification program using an incorrect loan balance and interest rate. We are requesting that our XXXX loan balance be correctly calculated. 

Thank you for time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I wanted to add my original contract to my complaint. Showing my payments were XXXX no taxes and no ins. 
We took out an earthquake loan with XXXX. After several years turned it over to ALS. Who after several more years turned it over to Nationstar. The loan did not include Insurance and taxes. My XXXX Mtg holder paid that. XXXX was a XXXX loan. Everything was fine until Nationstar took it over and opened up an escrow. I kept telling them someone else paid taxes and ins. but it did n't matter. About the same month they took over I completed a form so they would not pay insurance and taxes. I faxed it back the same day I got the form in XX/XX/XXXX the same month they started receiving my payments. Then I faxed it again. Then some time later I faxed it a third time. Each time I faxed it I had to send them the orginal with my signature on it. They said they would not just go with a fax. I told them again and again that XXXX was my payment that cover principal and interest. They insisted opening an escrow account, takeing part of my payment, part of the XXXX and placeing into an escrow acct. This would leave my payment short and they then said I did n't make the payment. This went on for 3 years. They kept telling me I was late and payments were due. All along I paid the whole XXXX and no payments were late. They added late payments onto my account. They told me I had to pay XXXX which I did above and beyond my payments. Then I paid more money above and beyond my payments, which I did. Then the company wrote me a check, then again, and again. I guess they found out I was not supose to have the taxes and insurance taken out and started refunding the money in my escrow acct. Instead of putting the back with my payments. All along telling me I was not makeing my payments. I sent them back XXXX checks in the same amount of the checks they sent to me. I called and explained. what the checks were for. They still have me late on my payments of over {$1500.00}. No one of any importance will talk to me ( anyone that could correct the problem ) Everytime I telephone I get a different person, they are on a rotory line. This problem will never be corrected. I 'm trying to get it corrected so I can refiance with the people I bank with. They said as soon as I get my credit score up they will refinance. They say they know all my payments were made and on time because I made the payments thru them. But they said they cant turn in a payment application until my credit score is raised. My credit score will not go up until Nationstar corrects the problem they caused. I can reduce my interest rate but not until Nationstar corrects the problem. I will attemp to attach the documents, Im not real good on the computer. My payment is XXXX but my recent payment coupon said {$3000.00} is due.

Company response to consumer: Closed with explanation