vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I received a fraudulent check as the result of responding to a job opportunity posted on a XXXX University website. I deposited the check in good faith to my personal BB & T account and, in accordance with instructions from the unidentified perpetrator of the fraud, I withdrew funds from that account when advised by BB & T that said monies were " available. '' In turn I deposited {$5000.00} to a Wells Fargo Account - the name and number of which I was given by the perpetrator and I wired {$300.00} to a person whose name was also given me by the perpetrator - in CA - also as I was directed. 
There is ample evidence that I did not benefit financially from this scheme. I was not made aware of the fraud until XX/XX/2016 when BB & T froze my account and confiscated the remaining balance, including approximately {$400.00} of my own money that pre-dated the deposit of the bad check. Subsequently, I have cooperated with BB & T branch employees at your XXXX office, the XXXX Police Department, ( Det. XXXX, XXXX, ( File XXXX ), and XXXX University, ( Investigator XXXX, XXXX ), who, in-turn, notified XXXX Bank, ( Investigator XXXX, XXXX ). 
Besides taking the balance of funds that pre-dated the bad check, BB & T is threatening legal action against me, including the filing of adverse credit reports with various credit reporting agencies. I have been told by persons who have examined a copy of the fraudulent check that BB & T should never have deposited it in the first place because the check itself bears an admonition that " two signatures are required if over {$5000.00}. '' ( The check shows only one signature and it is illegible. ) If the banks mistake in depositing the check is the source of all subsequent problems, including the loss of more than {$5300.00}, I would like BB & T to admit their mistake and forgive me the debt they are pressing to collect..

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 2015-10-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Mailed in payment to mortgage company was not cashed. Nationstar Mortgage loan # XXXX Called and had check stop issued and did payment over phone so not late then mortgage company sumitted check to bank XXXX days later. Billed us {$14.00} for NSF fee I called and said our payment was made earlier by phone please remove fee. They said that they would do. Because we send more than payment we have extra put on principle. Received XX/XX/XXXX statement and in stead of putting it on principle they listed it as Adj Forbearance Suspense crediting it and then debiting it. Then I have a Property Inspection listed with a charge of {$14.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I received documentation from NationStar Mortgage, dated XXXX XXXX, 2015, however, the package that was sent to me with the XXXX/XXXX/15 date was NOT delivered to me by XXXX until XXXX/XXXX/15. Ironically, the information sent to me by Nationastar was also requesting that I have the information signed and notarized and returned to them by XXXX/XXXX/15, the exact same day it was delivered to me. There was also information in the package indicating I requested a Recast/Amoritization loan and I have no knowledge of this request or the understanding of this loan program. I was approved for a Principal Reduction through the Keep Your Home California Program ( KYHC ) for a principal reduction and they paid {$51000.00} to Nationstar on XXXX XXXX, 2015. I contacted Nationstar about a week or so after the payment was made on XXXX XXXX, to ask them the status of my Principal Reduction. I was told information was being sent out. My concern is the same thing happened to me when this company purchased my loan from XXXX XXXX XXXX, they indicated I was sent information on XXXX day, however, it was never received or when it was received it was NOT in a timely manner or on which the date the letter was address and when they said they sent it. I am NOT refusing the Program approved for me by the XXXX, I am asking Nationstar to first resend the information using the correct date and time frame it is being sent, NOT TWO WEEKS after dating the letter. I also asked where was the monies applied that was received by the XXXX on behalf of me because in the documentation it indicated where about {$40000.00} was applied but not the remaining balance of the {$51000.00}. I also asked them to explain how is this HFA agency related to this loan, the party they are describing that helped in their documentation and finally, please explain to me what is the Recast/Amoritization Program, because I would be signing something that I have NO knowledge of what I would be signing, how it affects my loan and what if any are the advantages or disadvantages of this program and what will my interest rate be? Will my interest rate remain at the 2 % that they indicated in the documentation and is the same as my previous loan modification? Because, although the 2 % was indicated in the documentation that it would remain the same 2 %, in the documentation they also gave me a lowered loan payment, on what my new loan payment would decrease to, but I did n't get an exact amount because it stated that this amount does NOT include insurance and taxes. I am willing to give Nationstar time to respond to my letter sent to them on XXXX XXXX, 2015 and I did make a call this morning to Nationstar and spoke with a XXXX about my concerns and she did send an email to the department handling the loan and said she is waiting on a response from that department and would get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
Nationstar credited my account with my full payment payment on the due date, but it also assessed a late fee and has started aggressive collection tactics to recover the late fee from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
In XXXX my ex-husband and I purchased our home. When we divorced in XXXX, as per our divorce agreement, I was responsible for the home and mortgage. I worked with the lender at that time, XXXX XXXX XXXX, and completed an Assumption of the Loan XXXX it was an FHA loan ). In XXXX of this year, XXXX, the loan was transferred/bought out by Nationstar Mortgage. Initially there were no issues, I received documentation only addressed to me with my current last name ( I remarried and legally changed my name in XXXX ). Suddenly, in XXXX, I am now receiving a mortgage statement in my old name and with my ex-husband 's name. The loan is also now showing up on my ex-husband 's credit report as a joint account, mine also. My ex-husband was able to contact Nationstar and get information on the mortgage account. When I contacted Nationstar they said the only way to remove my ex-husband would be to refinance. I explained the loan was only in my name and had XXXX XXXX XXXX re-fax the documents from XXXX when I assumed the loan in my name only, I also faxed them my current marriage certificate. Nationstar initially said they had never had my current name on file only my prior name even though I have documentation in my current name from them. They are currently telling me that I qualify to assume the loan or to refinance to have my ex-husband 's name removed. They are not recognizing the Assumption I completed in XXXX and will not change their records. Customer service told me there was nothing they could do to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: MD

Complaint narrative:
I contacted GC Services in XXXX XXXX to advise that i was not in agreement with the amount that they claim that I owe XXXX. I was advised that I needed to contact XXXX to address. We also discussed that i have equipment that I need to return which would drastically. Reduce the amount due. I contacted XXXX and returned the equipment reducing the balance by over {$1000.00}. XXXX advised me that they would have a supervisor contact me to discuss other charges. i then made contact with GC Services and provided an update. I advised GC Services that I was working with Dish as I was not in agreement with the amount of XXXX claim. The representative at GC Services requested that I make a good faith payment on the account while I work with XXXX to resolve. I made a payment of {$75.00} to GC Services three days later I received an alert from my credit monitoring service that i had a new collection. I immediately contacted GC Sercices who advised that there was nothing that they can do. Since then GC Sercives has updated the item on my credit report six times within a one week period. They even took the amount due back to the original amount. This seems to be retaliation for disputing the item. With them updating the item it makes it look as if it is a new item. GC Services sent an updated Dish bill in XXXX XXXX the bill showed the XXXX payment that I made to GC Sercices it also reflected the returned equipment. The date on the XXXX bill is XXXX XXXX XXXX. The bill was never sent out to me. XXXX does it have any of the debt collection language. Why would XXXX create a new bill for an account that was closed in XXXX or XXXX of XXXX. This further shows the deception of the collection practices. This bill was only generated when GC Services was challanged to do a debt validation. I only had service with XXXX for three months. I canceled the service due to service issues and the overall customer service exoerience I had in the shirt period of time i had the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar has said that I need to use one of their mortgage appraisers to appraise my property. I do not understand why I can not use one of my own licensed and bonded appraisers in the area who will do just as a good a job and who will give a fair appraisal of the property. 

I have repeatedly asked for the authority from Nationstar that REQUIRES me to use one of their appraisers yet they refuse to answer the question. Again, I want to know what their authority is and I want them to send it to me. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
The HAMP modification that I had done in 2010 is now matured to 4 % and will be 5 % soon, then to 5 1/2 %. Is it allowed for a HAMP mod to go over the market interest rate?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
I just reinstated my mortgage loan to prevent foreclosure and save my home and now my lender has nearly XXXX my monthly payment for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I had a lot of hail damage from a storm in XXXX and called both my first lien holder, then my second lien holder to let them know. I spoke to a rep at my first lien company. They gave me tracking numbers to use and said that they 're located in the same building as my second lien holder, so to put a cover sheet with my checks that states that once they endorse the checks, to please forward to my second lien holder to endorse as well. I asked if I should sign the checks and was told no, that it 's dangerous to put a check in the mail that 's already endorsed. With this package, I also mailed in a {$30.00} check so the checks could be rushed back to me. This was on XXXX/XXXX/16. On XXXX, I receive the checks back with a letter stating that the checks have to be endorsed before the mortgage company can endorse, and this was the exact opposite of what I was told on the phone. I really need these funds, as I 've already spent over {$30000.00} out of pocket, so I signed the checks and sent them back. I also called in stating I was including another insurance check that I recently received. I sent out the 2nd package on XXXX and also uploaded the contractor 's waiver of lien and XXXX to my claims for both mortgage companies. On XXXX, I receive a letter from my first lien holder stating that the " final disbursement check '' is enclosed. There was a check in the amount of {$3600.00} in the envelope, and not a word about my other checks. On XXXX, I received a letter from my second lien holder, asking for the XXXX and contractor 's waiver of lien again, when I had already confirmed weeks ago that they were already received by both mortgage companies. This letter is also requesting that I pay {$30.00} again to have my funds rushed back to me. I called my second lien holder about this letter and they had no idea how to help me and kept putting me on hold to " gather more information. '' Then the rep told me to call my first lien holder & ask for their monitoring procedures and to fax it to them once I receive it. The hail damage occurred on XXXX/XXXX/16 and today is XXXX/XXXX/16. I have paid over {$30000.00} out of pocket and I 've only received {$3600.00} labeled as a " final disbursement '' out of a total of {$23000.00} in checks that I sent to both mortgage companies. I have n't gotten a call or received a letter to explain the process to me. I spoke to someone again this morning, and the rep spoke to me like he had no idea what was going on with my loan, cleared up absolutely nothing and left me clueless once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I simultaneously made by mortgage payment due and in the same envelope enclosed a Cashier 's Check # XXXX for {$40000.00} as a Prepayment of Principal on the loan. Nationstar had previous knowledge of a pending substantial principal payment from my last CFPB complaint about 2 months ago. I questioned their competence and ability to handle the payment and be trusted. These incompetent folks misapplied the funds and tried stealing over {$500.00} in additional interest. Being the good babysitter I am of Nationstar I called them out on XX/XX/XXXX when I got my mortgage statement. Now that they were caught and I was threatening to file a criminal complaint and a CFPB complaint they would do the transaction to correct. I told XXXX and the Supervisor XXXX I wanted a copy of the Transaction Activity mailed to me. If I did n't get it by XX/XX/XXXX I would be taking action. No surprise I was lied to by each of them. Sp here it is XX/XX/XXXX and I am complaining again. I also intend to file reports with law enforcement and the Texas Attorney General 's Office. I want my mortgage moved to a competent mortgage servicing company or Executive Supervision over my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
I refinanced my mortgage with Nationstar Mortgage. They gave a XXXX day payoff to my new lender. During the XXXX day period, Nationstar paid the city and county taxes, which were not due until XXXX, 2015. This caused the payoff to be incorrect. Instead of notifying anyone, Nationstar put the monies that was wired to them into a suspense account. I called to make sure the loan was paid off and after about three days of research, Nationstar found the problem. I immediately offered to pay a payment but was told by XXXX different people from Nationstar that this would only complicate the issue. I was assured this would not reflect on my credit in anyway. On XXXX/XXXX/2015 after extensive conversations with my new lender, Nationstar returned the funds to XXXX who then paid the corrected payoff onXX/XX/2015 after substantiating that the wire from Nationstar had cleared. I want allnegative reports regarding past due payments on my loan from Nationstar removed immediately. I did exactly as the represenatives from Nationstar directed me to do. I also paid interest on XXXX loans while my monies set in a suspence account in Nationstar Mortgage account as well as late fees. My credit has been adversely affected because of the actions of Nationstar Mortgage. The representative from Nationstar Mortgage, XXXX XXXX, XXXXXXXXXXXX, agreed to take care of this matter. but has failed to do the appropriate steps to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
XXXX, attorney XXXX XXXX ( fired ) XXXX XXXX filed a foreclosure against me, I have no mortgage, I have a paid in full. From XXXX XXXX XXXX. The lawyer knows its fake, he received the PSA from me, it clearly states no assignment was TRANSFERED, there is no trust or trustee. The lawyer handed Robo assignments in and brought a fake witness to to TESTIFY. Referee XXXX XXXX XXXX XXXX, tampered with minutes from hearing, inserting a witness on minutes, entire proceding was recored. I sent copy to court reporter. XXXX XXXX. When she seen herself on film, she stated XXXX XXXX mad her do it. Fraud in the FACTUM.they stole my Mail, signed my name to a electronic transfer of FUNDS

Company public response: Company 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 — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MT

Complaint narrative:
On XXXX XXXX 2015 we had a bad storm damage our house and completely destroy our shop. We had our inspections and the insurance XXXX sent out the checks for the claims. We had to sign the checks and send them to the mortgage company -Nation Star. We still to this date have not gotten the money back. We got the roof, window and all the debris removed on our own dime ( other than the roof we got a check from them for that ). So we sent in our receipts and got a 100 % done inspection done by their investigator and still have not gotten any money. As advised by our lawyer we have not paid any mortgage payments for the last few months. We have asked for inspection report and have jumped through every loop given to us but we still have not gotten anything from them. We signed a letter stating that the past mortgage was to be taken out of the money owed us then the remainder was to be sent in a check XXXX. Every single time for this almost full year we have done what they ask of us and they are making money with money that is due us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
This bill was paid off. I contacted XXXX XXXX at that time since I was employed and had a low income status, such as currently and they erased the hospital debts 100 %. I also had the same with XXXX health systems. I make around only XXXX right now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
I have no idea why they keep calling me are and they keep calling me and leaving messages for me to call them which is against the law to harass a person for a debt that I do not recall ever receiving a letter but I have lots of messages from them and they are constantly calling me and breaking the law by doing so. It is now not a matter of a collection it is now a method of harassment and it is against the law what they are doing regardless if it is concerning a bill no one has the right to keep calling and calling and harassing anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
We were in BKXXXX, which has now been completed as of XXXX XXXX, 2017, according to court records. Our payments have been XXXX. NationStar force placed insurance, increasing our payments to {$1200.00}, according to my documentation from them, as well as the courts. However, we have received information from there website that our payments are {$2100.00}. We have called and ask for an explanation but we kept getting transferred, place on hold and transferred again. We are right out of bankruptcy XXXX, along with the fact that the bankruptcy itself was a nightmare ( separate complaint to follow ) we are again faced with hindrances, making if nearly impossible to move on with our lives, because one department does not know what the other is doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation