vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
REFERENCE : XXXX XXXX XXXX XXXX XXXX, NJ XXXX FORECLOSURE STATUS XXXX/XXXX/XXXX We have placed a complaint that the above mentioned property is a " zombie property '' with CFPB Consumer Finance. The lender XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX NJ XXXX responded to the complaint stating that Select Portfolio Servicing Inc. took the servicing right of the loan on XXXX XXXX, XXXX. 
We are completing another complaint to include your company The address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX foreclosure status since XXXX The bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has failed to foreclosure and failed to maintain the property. The XXXX XXXX XXXX XXXX XXXX would request that the bank complete the foreclosure process and maintain this property unit a new owner purchases this residence. The " zombie home '' decreases property values within the community and causes hardship for homeowners who wish to sell or refinance their homes. Thank you for submitting your concerns about the property listed above. Because we value our customers ' privacy, we wo n't discuss any account information with you without their permission. 

The servicing rights of the loan were transferred to Select Portfolio Servicing ( SPS ) Inc. on XXXX XXXX, XXXX. You will need to contact the servicer for additional assistance at : Mail : Select Portfolio Servicing , Inc Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Response We received your inquiry from the Consumer Financial Protection Bureau on XXXX XXXX, XXXX. We have completed our research and have mailed you a letter with our findings, and any next steps, if applicable.

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 2015-05-15 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: BB&T CORPORATION
State: NV

Complaint narrative:
My car loan with Regional Acceptance has language in the agreement that states we have two weeks past due date before it is considered late and beyond that there is a charge that can be negotiated with a payment arrangement, I continually make payment arrangements but I recieve XXXX-XXXX calls a day once the due date has past. I have requested they stop and they continue, please help. I always pay my bill including any late fees, I 've never missed a payment. My only issue is sometimes I 'm late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I got behind on my mortgage as a result of a long drawn out divorce and the resulting financial struggle. I had applied for a loan modification XX/XX/2016 and was told that I would have a temporarily reduced mortgage payment for four months and if I paid that amount on time for four consecutive months then they would send me the paperwork to make that amount permanent. When I purchased the home I was married but the mortgage was in my name only. The loan was in my name only. Due to the community property laws of Texas, my then husband was on the deed. I divorced him and as a result of the divorce decree, I was given the home and a special warranty deed was done to remove him from the deed. After my four month trial period, paperwork was sent with my name spelled incorrectly. Then they resent paperwork but had my ex-husband as co-borrower. I not only explained the situation but provided the documents. They said that XXXX XXXX required that although I called them and they said it was not true. The rule states that the ex is is required unless he is deceased or removed from legal liability. I provided the documents but they would not recognize them. I tried for months to get this resolved and then XX/XX/XXXX I was told it was a final decision and that I did not qualify without him becoming indebted for my house. I have been through several representatives and supervisors. I wanted to keep my house but feel like they are stealing it so they can keep the {$10000.00} I paid up front and re-sell it for more. Nationstar has been extremely difficult to deal with. Initially I could not get anyone to talk to me. The automated system sent me to a recording based on my account. I even drove over to their offices at one point. Then I asked for supervisors and got the run around and they would not even listen to common sense. It was as though just reading a script and not thinking at all. I have been told that it the title company or legal office who draws up the loan modification paperwork is the one that decides what documents are required and that most likely the problem or block is there and not XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I am late on my car payment and Regional Acceptance Corp has been calling at least XXXX of my friends yesterday. This is illegal in Florida to my knowledge and I would like to file an official complaint.

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 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I am in the process of negotiating a short sale with my first lender SPS, and they already issued approval once before, and after we requested an extension on the appproval since the XXXX lender did not approve the short sale until after SPS ' approval expired, SPS did a new BPO on the property. The XXXX value came back substantially higher than the already approved price that Buyer agreed to, and the BPO had many glaring errors- the valuation used properties more than XXXX mile away, in different school districts, more desirable neighborhoods, comps that were not even sold, etc. This is the 2nd time SPS has done this on this same exact file. Their first BPO had the same exact glaring errors and they sat on it and did nothing until a prior CFPB complaint was filed. They need to be fined as this repetitive action is becoming malicious and affecting the lives of the Seller and Buyer extremely negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I filed necessary forms for a Deed In Lieu of foreclosure with BB & T loan number XXXX on XXXX XXXX, 2015 after condition of property being listed for 90 days was satisfied per their policy. i have had no response as to status and have left several voice mails with XXXX XXXX at BB & T for update with no response. 
She was the loan officer that advised me on my initial submission of requirement of listing the property 90 days prior to resubmitting the paperwork. 
I ha e also requested a copy of the entire loan file for investigation of why XXXX appraisals were ordered at my initial loan application. No response to that either!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
company, S.P.S. mandating flood insurance but XXXX says I have valid XXXX letters. Insurance not required S.P.S. will not honor XXXX letters charging new escrow account will not respond to inquiry for information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I paid my XXXX mortgage payment on XXXX XXXX and confirmed the payment was received and processed by Seneca on XXXX XXXX. My mortgage is now being reported as late to my Credit Report which is false and XXXX is harassing me my phone to demand payment. I still have not received any documentation from Seneca about redirecting my monthly payments. I received an odd e-mail from XXXX Mortgage on XX/XX/XXXX claiming that my mortgage had been transferred. This is the first notice that I have received about this issue. I refinanced with XXXX two years ago and my loan is now with Seneca Mortgage, they have proved to be a disorganized mess. I have not received any information from Seneca about the transfer and I have not received the package that XXXX claims to have mailed to me. I responded to the e-mail the same day stating that I would not change my monthly payments until notified by Seneca. XXXX has not responded. I had a similar issue the first year of my mortgage ( XX/XX/XXXX ) with XXXX different lenders claiming to own my mortgage. I had not received anything from XXXX XXXX XXXX. Unlike Seneca, they answer their customer calls very quickly and they verified by phone and e-mail that the information was a fraud attempt to get customers to redirect their payments. I have been on the phone trying to reach Seneca 's joke of a customer service since receiving the e-mail and hung up several times after being on hold for 20+ minutes without anyone picking up the call. I have already processed the payment for the XXXX payment to Seneca. My mortgage is up to date and should not now being reported as past due.

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: CA

Complaint narrative:
I am in the hardship program and owe for two months. Using their online service, I submitted a payment for {$300.00} ( all I can afford right now ) only to discover a few days later, they withdrew {$1100.00} from my account instead. This then sent my checking account into a downward spiral, negative balance, and sent me into a huge confrontation with my credit union that charged me {$120.00} in fees. I think what I find so disturbing is all the complaints exactly like mine on the Internet despite all these " regulatory '' agencies that are obviously NOT doing their jobs. There are thousands of complaints about this company!! What company is as much of a nightmare as this one year after year after year and NOTHING HAPPENS TO THEM? Companies that have done far less have been shut down. XXXX? Right now I am demanding Nationstar refund my money/reverse the charge and return the funds back to my checking account. I have filed a complaint with the CA XXXX as well. The real point is no one cares in any of these agencies because if they did, this company would NO LONGER EXIST. Advice : do n't give Nationstar access to any of your accounts. Delete the info from your online account. MAIL in your payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: NH

Complaint narrative:
Dear CFPB, Recently, my mortgage company increased my monthly payment by over XXXX dollars claiming a shortage in escrow funds based on their error in making double payments of my home insurance coverage and an increase in property tax 's. 
A ) On the home insurance claim, They have not been able to produce financial transaction data in order to show the " double payment '', and neither XXXX XXXX nor XXXX XXXX shows any double payment from them in their records. 
B ) My Annual property tax 's have not increased in 2 years and I shared these documents with them to verify. 
Included in the mortgage monthly increase is what they call a safe " pad '' which they have established in order to over-fund the escrow account, which apparently can be any number they wish. 
This is poor management of an escrow account at best, they have provided no evidence or justifications for this increase, and have " reminded '' me that if I do n't pay the new total my credit will be impacted and late fee 's will be added, which is basically extortion. 
Is this even legal? 
Are they trying to make me default on my obligations for some reason?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Back in XXXX, 2015 I was checking the options to refinance my single family house mortgage of {$630000.00}. After watching the Quicken Loans TV advertising, I decided to find more information about my chances of refinancing. 
Since I begun checking the loan options with this company, starting XXXX XXXX, 2015, I was persuaded by their very persistent representative XXXX XXXX ( XXXXXXXXXXXX Phone : ( XXXX ) XXXX XXXX ), to send him my two years tax returns. After a day or two he called me back and told me that I 'm certainly qualified to begin the process. XX/XX/XXXX the process begun ( Loan : XXXX ), through which I was recklessly dragged for almost 4 months through several of QL associates, who tossed me blatantly from one to another, with repeated documents requests. They continued to extend the date for their decision, up until yesterday XXXX XXXX, after my repeated requests to find out about the loan application status, I received a totally ridiculous and irresponsible answer : QL could n't match a home loan with my current needs. 
Prior to this message, on the same day, I got another response to my question placed onMY QL online board on XXXX XXXX. The message was somewhat strange, but nevertheless different. The message notified me that all Jumbo Loans applications that were submitted after XXXX XXXX are being affected with new rules. I did n't understand how this could 've been related to me, since I begun the process XX/XX/XXXX. At the end of the same day I got an email from the same gentlemen, I begun the process with - XXXX XXXX, with the message of denial. Later I got a call from another rep with the same message, who did n't want to disclose the reasons for their decision, as well as did n't want to reveal the name of the underwriter to enable me to appeal their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
The bank has refused the fees charged on my account from them. My account was charged return fees. Obviously, it is a bank error. The teller who helped me has n't stopped my check even though the payee portion of the check was missing. Due to the returned check, the bank locked my account until my request. Also, for the period in which I was locked out of my account, the payment was scheduled and retuned too. 
I am owed {$60.00} for fees charged incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WI

Complaint narrative:
In XXXX XXXX we entered into a repayment agreement with XXXX XXXX XXXX XXXX to catch up XXXX late payment of {$1300.00}. We agreed to catch this late payment up by adding an additional amount of {$190.00} on to each payment of {$1300.00}. The new monthly payment amount was {$1500.00}, after the initial forebearance payment of {$1300.00}. These amounts were paid to XXXX ( # XXXX XXXX via money order on XXXX/XXXX/XXXX and by phone transfer confirmation # XXXX of XXXX XXXX, XXXX. In late XXXX XXXX we were notified by XXXX that our loan had been transferred to Nationstar Mortgage XXXX # XXXX XXXX. We made our XXXX payment on XXXX XXXX ( check # XXXX ) to Nationstar Mortgage in the amount of {$1500.00} by mail. Our XXXX XXXX payment was made on XXXX XXXX XXXX in the amount of {$1500.00} by cashier check to Nationstar Mortgage by mail. Febuary XXXX payment was made XXXX XXXX XXXX for {$1500.00} by cashier check to Nationstar Mortgage by mail. XXXX XXXX payment was made XXXX XXXX XXXX for {$1500.00} to Nationstar by cashier check. XXXX XXXX paid XXXX/XXXX/XXXX XXXX XXXX XXXX paid XXXX/XXXX/XXXX ) and XXXX XXXX paid XXXX/XXXX/XXXX XXXX of XXXX payments were made to Nationstar also by cashier check in the amount of {$1300.00}. 
Because of the sudden transfer of our mortgage loan from XXXX to Nationstar, there was an accounting error in whether we were to pay an additional {$190.00} with our XXXX payment to Nationstar. However, we continued to make regular on-time up to date payments as agreed per the repayment plan. Our continued problem has been that Nationstar Mortgage is continuing to show us being behind in our payments by {$1300.00}, even though our records substantiate that we are not behind by a payment. We will concede that if we are behind at all it would only be for approximately {$370.00}. We have notified Nationstar of this discrepancy and/or error on several occasions to no avail. In addition to continuing to show our mortgage by being behind by a month, Nationstar has incorrectly reported this information on our credit bureau files. Any assistance in rectifying this situation is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Dream Center Education Holdings
State: IL

Complaint narrative:
I am submitting a complaint today on XXXX/XXXX/15 due to the fact that I ambeing overcharged for my private loan which is a parent plus loan withXXXX XXXX. When I first visited with my parents on the campus todiscuss financials, we were told that the amount would not exceed {$20000.00}. I had come from a XXXX college called XXXX inXXXX, IL. I had received an associates there and was able totransfer XXXX credits to Argosy University in XXXX, IL. 
I still had a remaining XXXX credits to achieve my XXXX degree. 
We had decided that I was to attend school full-time. I also wasnotified on the news that Argosy University was being sued forover-charging students on their loans which has caused financialdistress among XXXX students including myself. I had receivedaround XXXX stipend checks which I returned back to the lender andchose not to keep them. I felt this was the best decision for me, because I did n't want to accrue anymore debt. When I had completedschool, I had received checks from XXXX XXXX and XXXX servicing. 
My federal loan balance was around {$9000.00} and my XXXX XXXXloan ended up being {$38000.00}. We were completely shocked overthese numbers because this was not what we were told. I have beenpaying the loans without a doubt, but will struggle. I have not been lateonce. I spoke to XXXX XXXX multiple times stating that it was difficultfor me to make payments, but were unable to help me. I told themI had made on -time payments and they could n't arrange anything. 
My concern is not the federal loan at this point, but the XXXX XXXX. 
I have attached XXXX documents which include history of my account onmy portal with Argosy University which show all the charges accruedand voids of my stipend checks. I have also included the tuition feeschedule to show what should have been charged per semester. Mygoal is to reduce my financial stress of my total loan of {$47000.00}. 
I believe my account history should be looked over very carefullywith hopes that I can lower my loan amount which is what Iwas promised from the counselor. I do n't believe this amount iscorrect and I am struggling making these payments due to myother accrued expenses elsewhere. The person I did speak with isXXXX XXXX with Argosy University. I do n't have a high enoughincome to support these payments. I have just graduated. 
XXXX XXXX which is led my the state, had revealed on the newsthe large amount of students being misled and overcharged forstudent loans and I believe I am one of them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
My home loan was transferred to Nationstar Mortgage from XXXX XXXX in XXXX 2015. Prior to the loan being transferred, XXXX XXXX honored the 15 day grace period for loan payments made online, as outlined in my Note and Mortgage. However, the first month that Nationstar Mortgage was servicing my loan, I made my payment after the XXXX of the month and found a {$9.00} " late fee '' assessed to my account solely due to the fact I made my payment online after the XXXX day of the month. This fee is unscrupulous as it contradicts the 15 day grace period as agreed upon in my Note and Mortgage. I was never made aware of the fee through separate letter ; I had to call Nationstar Mortgage 's customer service department to find out the information. They bury it in the monthly statement under the heading " Payment Options ''. I do not feel it is fair to punish people who make their payments on time, who are current on their mortgage payments and during the legally allowable grace period. Some people do not get paid during the first week of the month and the 15 day grace period allows flexibility to all. 
I was happy to refinance my loan in XX/XX/XXXX to XXXX XXXX only to receive a letter last week that my loan is now being transferred once again to Nationstar Mortgage. Again, I feel this matter should be looked into as it goes directly against the verbiage as agreed upon between Mortgagor and Mortgagee in the Note and Mortgage. I do not want to be subjected to unnecessary and illegal fees. 
Thank you for your time and consideration.

Company response to consumer: Closed