vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
In XXXX XXXX I got an auto loan from Susquehanna bank. After making several payments, Susquehanna sent an incentive to " skip a payment " for the holidays. I paid the {$30.00} fee ( interest payment ) and was everything was fine, my next payment was due the following month. I continued making my payments. Fast forward to XXXX, when BB & T buys Susquehanna. I begin receiving letters that I 'm behind on my car payment. Then my credit is hit 3 times in a 90 day period, saying I 'm delinquent 90 days. The local branch shows all my payments are current but corporate is showing different. Because of the buyout, I can no longer access prior bank statements, only corporate can. I was told by local branch it was a bank error and they would be in contact to fix everything. After a few days with no phone call, I called the collection dept that keeps sending letters. I was told because BB & T does n't do skip a payments, they do n't honor them, even though Susquehanna offered these. So I was told they will continue to hit my credit and send letters til it is brought " current ". How is this legal? This was an incentive offered by the bank BB & T bought. At this point, it 's looking like I 'm going to have to get a lawyer involved.

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 2016-02-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Select Portfolio Servicing ( SPS ), Inc. recently employed XXXX XXXX XXXX XXXX XXXX ( a law firm ), to send via certified mail a " Notice of Acceleration of Loan Maturity '' letter dated XXXX XXXX, XXXX ( see attached ) to me. As required by Texas Property Code 51.002 ( d ) and the Deed of Trust, SPS is required to send a " Notice of Demand Payment '' and a " Notice of Intent to Accelerate '' in order to provide adequate time to cure the debt and notice me that failure to cure the default will result in acceleration of the entire debt and could lead to a foreclosure and, possibly, a deficiency judgment against me if the proceeds from the foreclosure sale do not fully extinguish the secured debt in accordance with common law requirements. SPS did not send me neither the " Notice of Demand Payment '' nor the " Notice of Intent to Accelerate '' as required by law and the Deed of Trust. 
SPS purchased the servicing rights to my mortgage while it was in default. Therefore, they are deemed a debt collector and not an original creditor in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 803 Definitions [ 15 USC 1692a ]. SPS ( or their agents ) has, despite written requests to " Cease and Desist '', continues to come onto my property and hang notices on my door ( see attached ). 
Finally, both XXXX XXXX XXXX XXXX, XXXX and SPS are in violation of FDCPA 1692e and 1692g ( b ) in that neither the law firm nor mortgage servicer has properly verified the debt. I have sent numerous RESPA requests asking for an itemized accounting clearly explaining each charge from inception of the loan. The payment history and all transactions from inception of the loan to XXXX XXXX have never been produced by SPS nor the previous servicer. They produce a copy of the note and an incomplete accounting which is missing years of records, does not clearly explain each charge with a date and does not reconcile back to the amount owed. Therefore, I am not able to adequately dispute the amount of the debt due to insufficient itemized accounting records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
We had a contract on our home as of XXXX XXXX, 2015. In which we submitted to the investor ( XXXX ). They accepted the terms and at the time it showed that we had initially submitted the offer to them on XXXX XXXX, 2015. XXXX had it with them for 8 days up until that point. Also during that time it showed a " Projection Foreclosure Date of XXXX/XXXX/2015 ''. The purchaser decided not purchase the property and my agent notified the servicer, Nationstar and the investor XXXX. On XXXX XXXX, the negotiator sends my agent a message through equator that marketing on the property will end on XXXX XXXX, 2015. My agent continues to receive messages through equator stating if there are any offers on the property, please upload them by XXXX XXXX, 2015. My agent continues to communicate with the negotiator on equator that no offers have been received and notified them on XXXX XXXX, 2015 to proceed to do the deed-in-lieu. 
On that day she proceeds to do so, but then notifies me to contact Nationstar. Nationstar informs me that it is too late, because foreclosure is scheduled for XXXX XXXX. At this point I am confused and frustrated with Nationstar because they have not informed my representative ( agent ) nor myself that is in jeopardy of being foreclosed on!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Quicken Loans took {$500.00} from my checking account as a " Loan Fee '' and said that it would be returned once the loan was approved. They also told me that my union, XXXX, would give me a {$500.00} gift card for applying for this refinance mortgage. XXXX has no knowlege of such an offer. NOW I 'm told that the {$500.00} was a fee to be used for appraisal ( when this XXXX XXXX assured me that Quicken Loans did not charge for appraisals AND I 'd get a {$500.00} gift card from XXXX ). I was told by customer service that the appraisal and other fees were spelled out in some document I signed. This may be but XXXX XXXX stated otherwise. IF Quicken Loans TOOK {$500.00} a day from everyone served and only approved XXXX of the applicants, I 'd say this was one XXXX scam! My credit score was above XXXX at the time of the loan request. JUSTICE PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, my former husband lost his job and we fell behind on our payments after using up our small savings. My husband had lost his job the prior year and we had been given a HAMP modification and had completed our trial payment plan. My husband became employed again and we attempted to enter a repayment program with XXXX XXXX XXXX. We were given a deadline by our loan representative to sign papers that was incorrect and it was too late and XXXX XXXX XXXX accelerated our note. I have emails from the loan rep documenting this in writing, We did not have the resources to catch up and have been trying to modify to keep this home for our son ever since to no avail. We divorced in XXXX and I returned to school and have been working as XXXX since graduation in XXXX. My income is more than enough to pay the mortgage on my home and the arrears, given time. I have a savings account and a retirement account. I have a home warranty so that unplanned repairs will not deplete my savings. I carry short term XXXX, long term XXXX and XXXX insurance so that bills will still be paid in case of illness or accident. If I am granted this second chance, I have done all I can to ensure I will not face a similar situation. This is the only home my XXXX year old son has ever known. I do not want to lose it. The foreclosure sale date is set for XXXX XXXX. I am working with XXXX for approval for the Florida Hardest Hit Fund which would give {$25000.00} towards our mortgage arrears. Unfortunately, the mortgage arrears are now {$58000.00}. If only they would accept the {$25000.00} and then work on a new mortgage modification or an extended repayment plan my son and I could keep our home. My yard is the one in the neighborhood that XXXX. I am the door that is knocked on when the kids forget their keys and are locked out. We will be sorely missed and a foreclosure will do nothing but lower home values. There has got to be a way to make them see that this is wrong. I just want to pay what I owe. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
This is a brief summary please see attached letter. 
Also Attached : Power of AttorneyOrder Appointing Guardian and ConservatorBB & T LetterBB & T Bank StatementThe Only Money that was deposited in that account was father 's social security checks. 
As stated in the attached letter, over the past 7 months, I have been to XXXX BB & T branches ( XXXX, VA XXXX, XXXX XXXX, VA XXXX, XXXX, VA XXXX, and XXXX, VA XXXX ), to try and prevent all that has occurred. Each time, I received different responses from all XXXX branches regarding POA. Also, XXXX different branches provided conflicting responses regarding conservatorship. Now the calls I have received from XXXX XXXX and XXXX XXXX have different policies as well. My experience is that BB & T does not have a consistent set of policies and procedures to regulate guidelines governing POA or conservatorships. This situation caused undue stress on my father and the bank 's actions have made an arduous situation even more austere as my family and I have to fight on another front to recover my late father 's stolen, hard-earn funds. All of this compounds the great pain and loss we are dealing with because of his demise. 
My dealings with BB & T have left several unanswered questions:1. Why was a Counter Check allowed to be cashed when father was in the XXXX XXXX? 
2. Why was I initially allowed online access to my uncle's/father 's brother joint account from XXXX/XXXX/15 to XXXX/XXXX/15, once it was brought to the attention on XXXX XXXX, I no longer had access? On the morning of XXXX/XXXX/15, I set ATM limits to XXXX and they were removed. 
3. Why did I receive conflicting information on whether I had access to close joint account? 
4. Why did I receive conflicting information on putting a debit hold on the joint account? 
5. Why did teller say she thinks POA was revoked, when it could only be revoked in writing?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
The servicer NationStar mortgage is not honoring the agreement of the national settlement. I received a modification as of XX/XX/XXXX having trying for several years on the basic modification. My loan originator was XXXX XXXX XXXX as of XX/XX/XXXX also my servicer. XXXX XXXX XXXX sold my mortgage to XXXX Bank which is not aware of the settlement offer agreement that I received. They also made NationStar the servicer as well which sent me a letter that they will honor the settlement agreement. This has not been honored to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar has Re-acquired my loan from XXXX. 
Current issue they charged me corporate fees for XXXX to transfer my loan. I had to pay these same corporate fees, when Nationstar acquired my loan. 
I can not get an explanation as to why I 'm responsible for these fees when I did request these transfers. 
Old issue that has ruined my credit. 
When Nationstar acquired my loan from my original lender, XXXX. Nationstar did not honor my mortgage loan agreement. I have made numerous calls to straighten this out with no return call, person no longer handling my loan or some other excuse. I also requested documents on my loan they received from XXXX, which they never sent. I was told once that my loan was Modified. I requested the documents I signed that I agreed, acknowledged to this loan modification. 
I want these issues addressed and the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
property owner was approved for FHA short sale and lender subsequently foreclosed on the property while the approval was still active. After notification the servicer said they would rescind the foreclosure. Several attempts were made to contact them and all were met with misinformation. Yesterday we were notified by another agent that the property is now for sale by the servicer.

Company response to consumer: Closed
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I applied for HARP Ref using Quicken Loans. The HARP ref was approved. However, It is my understanding that MSHDA ( Michigan State Housing Development Authority ) has HARP grant program that would applied {$500.00} toward closing cost. 
With review of the closing cost, Quicken Loans did not apply this grant to my closing cost. HARP Refinance with XXXX XXXX XXXX | Mortgage Banker at XXXX Loan and he did not apply the {$500.00} grant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
Select Portfolio Servicing began servicing my mortgage in XXXX 2013.After it was transferred from XXXX.I have been applying for a modification with SPS since that time.to no avail.I am always told that the information that I have provided is incomplete.As a result I was notified that I have no home retention options available. So I agreed to a Deed in Lieu. I was never contacted by anyone or received any documents to sign to began the Deed in Lieu process. I tried several times to contact my relationship manager { XXXX XXXX } .But only spoke to someone in her department.During this time Received a pay increase and submitted another modification package through XXXX . I received a call on the very day that the modification was submitted from XXXX XXXX .She said that the complete modification package had been received, but it would not be reviewed because a sales date had been set.When I inquired about not receiving any documents in regards to the Deed in Lieu she became very rude and said that she could not hear me and that she would have to end the call.Now I realize that SPS never intended on giving me the opportunity to prove that I am capable of making my mortgage payments. Their only goal was to take my home the way they have taken so many other hard working Americans homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Universal Account Servicing, LLC
State: CO

Complaint narrative:
In XXXX of 2015 I took out a loan on a 18 month contract. They have been deducting {$110.00} every month for the past 16 months. There was a balance of XXXX payments. I got a letter that XXXX payments were due. I sent them a letter that are not permitted to debit my account any more. I have various letters from them stating that I owe them XXXX payments. I have ask them in several letters to show me where I owe XXXX payments. The last payment would have been deducted in XXXX of 2015. I have a contract that states the begin date and the end date. They never answer me they keep sending me a bill. The last letter I received, the stated that they have been trying to contact me at a phone number in XXXX. I have lived in XXXX for 20 years. My phone number is on the contract. I understand that I owe them XXXX payments, they will never answer my letters explaining why I owe them XXXX payments. I have letters they have sent me and my responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: OH

Complaint narrative:
In XXXX 2009, we entered into a retail sales agreement with Regional Acceptance Corporation, which has an office in XXXX, Ohio, among others. The contract was for a purchase of almost {$18000.00} for a used car. The interest rate RAC gave us was 23.75 %, which equaled total " finance charges '' over the 66-month life of the loan of {$14000.00}. This was a total contract amount of {$32000.00}. 
During repayment, RAC failed XXXX times to allocate the agreed amount to principal from our monthly payments, for a total underpayment on loan principal of {$5800.00}. Included in these XXXX failures were five months where RAC allocated XXXX of our monthly payment dollars to principal. 
Furthermore, because we paid late, RAC charged extra interest in excess of the amount allowed by Ohio contract law, over the required amount by a total of XXXX. 
Overall, we have been required to pay XXXX payments for a total of {$35000.00}, or XXXX percent more than was originally agreed. 
When contacted and informed of their mismanagement of funds, RAC 's reply was that they were entitled to reduce our principal payment every month because we paid after the due date, although the provision for this in the sales contract and Ohio law instead allow the lender to extend the contract with more payments based on the amount of extra interest accruing, with written notice given to the borrower. RAC now insists that, after XXXX payments resulting in an 8.8 percent total overpayment of the contract, that we still owe more than {$3200.00}, or 18 percent of the original principal agreement. Their representatives repeatedly deny that RAC has done anything inappropriate, even when confronted with details of underpaying principal, overpaying interest, and using wrong APR and per diem to calculate extra interest for late payments.

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 2015-07-10 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I am receiving calls for credit card debt for a person that does live in my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I have disputed this several times and have not received any assistance. I have spoken I I have spoken to several managers and they have admitted SPS is working on getting an updated system in order for customers to delete or change account info online. There is no way to determine whether or not payment is being submitted under the correct acct # due to system only showing last several numbers. Although they are aware of the issue they refuse to update my credit report in spite of THEIR negligence to the system in in place. I would appreciate if these late payments are removed from my c credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I receive XXXX from Social Security for XXXX. SSA assigned me to the XXXX Wednesday of the month, making me late on my mortgage payment all but 2 months of the year. I have called the Social Security Administration and they refuse to change it. Nationstar, my mortgagor refuses to help me. I am fined {$22.00}. extra each month because the payment is late. After I pay my bills, I have {$140.00} leftover. I can not afford late payment fees because of SSA assigning me to a week of the month that makes me pay my bills late. All other creditors understand and do not charge a late fee. Just Nationstar.

Company response to consumer: Closed
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
My experience with Quicken Loans was the WORST possible in all the years I have been dealing with lending institutions. While they did what they said they would do the whole process was inept and poorly done. They did NOT communicate within " teams '' in fact it seemed XXXX team had no idea what the other team had done or had informed me about. Additionally I was run around on XXXX problem which was not a problem if anyone in their title department was able to think independently. This alone caused me aggravation, anxiety, and a lot of wasted time. The bottom line is as long as I have a choice I would NEVER use Quicken loans again nor would I recommend them to ANYONE. I did everything they asked in a timely manor, yet ; they managed to " XXXX '' things up and have multiple people you have to deal with making the whole situation a MESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I had a XXXX car accident in 2006 which left me XXXX and XXXX for quite some time. I am now clear headed and realize I was a victim of a predatory loan scam by Quicken. I now need to renegotiate this and/or get some relief such as the additional interest removed and a fixed rate. The loan has been sold several times.

Company response to consumer: Closed with explanation