vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: CO

Complaint narrative:
On XXXX XXXX, 2016 Regional Acceptance Corp, a subsidiary of BB & T Bank took monies in the amount {$390.00} from my personal checking account at XXXX XXXX XXXX ILLEGALLY, WITHOUT MY CONSENT OR KNOWLEDGE OR AUTHORIZATION and has refused to return the monies upon demand. It cause my bank account to become negative with bank fees!

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 2016-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
BB & T has illegally charged my account ( XXXX ) {$210.00} over a period of five ( 5 ) months. As you will see in the attached supporting documents the charges are listed as Misceallanous Debit inwhich I had these accounts for 12 months and I without being notified I noticed these charges from {$9.00} to {$12.00} in XXXX of 2016 I contacted the bank customer services who informed me that they could not do anything but credit me {$35.00} that I 'd have to speak with someone at the branch I opened the account at. 
In fact I did and waited almost 2 months for a branch manager to phone me back and as of today not one has contacted me. 
I spoke back to customer service today again who said only that branch could help me. So as you see my last result was here

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 2016-09-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have been trying to negotiate a loan modification with my mortgage lender for 7 years! It will be 7 years in XX/XX/XXXX. When I began this process my mortgage was held by XXXX XXXX XXXX. Since then, my mortgage has changed hands 3 times! Each time, I had to start the process over. The current lender is Nationstar and based on on-line research, I am concerned that my experience with them is mirroring that of thousands of other consumers. They do not negotiate in good faith. For example, they constantly low-ball the value of our property. With each negotiation, we have to appeal the denial of our modification request and key to those appeals are independent assessments that show our property as valued at more {$100000.00} than what Nationstar quotes. Last year, we finally had an agreement but Nationstar asked for a " deposit '' in order to execute the agreement - I now know that the request for a " deposit '' is illegal/inappropriate. Also, the agreement referenced a 2-year " interest-only '' payment period at an amount that was quite manageable. Nationstar refused to apply those payments to our mortgage indicating that the " interest-only '' payment period terms were " vague. '' The alleged " vague '' terms were created by Nationstar and signed off on by their Assistant Secretary XXXX XXXX. Nationstar continued to refuse to apply the " interest-only '' payments to the mortgage based on this vagueness argument and as a result we are now trying to negotiate yet another modification. Once again, they denied our request ( even though we were approved for a modification last year, albeit " vague '' ). The denial was based, predictably, on a low-ball valuation of our property. Yet again, independent evaluation showed a value of $ XXXX+ higher than what Nationstar showed. We are appealing the modification denial. After 7 years, how much longer do we have to keep playing this game with them before they will negotiate in good faith and put some reasonable and not " vague '' terms on the table?!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
Loan is an interest only loan that now has a principle payment added. My father passed away several years ago and my mom has a trust where she is the trustee for the trust in the name of my father. My name is also listed, however this bank constantly loses things that are faxed to them and they repeatedly ask for things over and over. Not talking to my mom, telling her they CAN NOT talk to her. 

I need someone from the bank to look into this ... .please. The mortgage payment went from {$1000.00} to {$1900.00} per month, my XXXX yr old mother will not be able to pay this on SS and pension alone ... .we need help from someone

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I entered a modification with Nationstar only to be denied, due to not submitting documentation, however, I have fax confirmations. I called to check the status of my modification on XXXX/XXXX/2015 was then informed that I was denied and that there was a sale date of my property on XXXX/XXXX/15. I was dumbfounded. Have called repeatedly, the bank refuses to work with me saying there is nothing they can do now. 
I was never notified that there was a sale date, Nationstar said it was my responsibility to continue to call in, and if I would have I would have been notified of the sale date. This company should not be allowed to do business. I am now down to a matter of hours before I lose my property and there is absolutely nothing the bank will do!! DEVASTATED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
After signing up for online banking statements ( paperless ), I was still charged a fee of {$5.00} per month for " return statements ''. I have called the bank ( BB & T ) several times each year as well as going to a local branch ( XXXX NC ). Each time I was told it would be researched and corrected. Nothing was ever researched and the fees kept coming. Now the bank ( BB & T ) tells me they are willing to refund me one year ( {$60.00} ) of the fees even though I know they have charged me at least {$200.00} or more in these fees. They also took the money from a small savings account with these same return statement fees and closed the account. They say that they have no record of me talking to them regarding this problem or of me coming to the local branch to discuss this problem. The computers show when I signed up for no statements so the error on their part should show the amount they have charged me and how much should be refunded to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
We shopped long and hard for the perfect lender. The lender, Quicken Loans, said our " profile '' was very competitive and we were in great shape. Then they rejected quite suddenly before sending our " competitive profile '' to underwriting. The reason they gave was " Collateral : Does not meet seasoning requirements ''. Does n't collateral refer to the house? They never even sent out an appraiser, and if they had, they would have seen that the house appraised for thousands more than the asking price. We have excellent credit, even after every XXXX, XXXX and XXXX lender has hard-pulled out credit records as of this morning we are at XXXX for me and XXXX for XXXX. Further, after rejecting us and while I was scrambling to find another lender Quicken Loans told my realtor that our loan had been declined after all this time since we received our letter of approval. I believe it was completely out of line for Quicken to inform anyone of our loan being declined. We are a XXXX couple and sensitive to the possibility that we might have been singled out as being unworthy of credit due to our XXXX rather than our proven track record of spending within our means. Meanwhile, Quicken Loans suddenly decided that the debts of our non-profit corporation are suddenly our personal debts. Our non-profit has fully appropriate small business debt and some vendor credit which it pays timely. The non-profit it its own entity having its own tax ID number, own bank account and books that are strictly and carefully separate from ours and it files its own taxes. If the debts of the corporation are suddenly our debts then what about the income of the non-profit, is that suddenly ours as well? If not, then why are the debts of the non-profit our debts? Why did Quicken Loans repeatedly tell us not to speak to other lenders because they would take care of us and then they dumped us at the door to the underwriting team 's office? Why did n't the underwriting team have a chance to review our documents? Can you tell we are frustrated? Here we are in a contract on an affordable home and suddenly we have no mortgage with no plausible explanation of why we were rejected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
The mortgage servicer ( SPS ) that purchased my loan form XXXX does not provide a free method for their customers to make their monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: DC

Complaint narrative:
Regional Acceptance continues to fill my work mailbox with voice mails after I have repeatedly asked them not to call my place of work and have advised them that I would never answer the phone if they called me at work. They call numerous times a day, they begin calling as soon as a payment is late. I had been advised on a few different occasions that they would remove my work number from their calling list and that has not happened. Yesterday I picked up the phone for XXXX of their calls for the XXXX time. I advised them that I had setup a payment arrangement a day prior to taking the call. Again I told them not to call my job. Today, even though a payment arrangement has already been setup, the calls to my job continue. These folks have proven themselves to be so incompetent, they tell you what you want to hear and they keep harassing you. I got back from XXXX 4 weeks ago and found my work mailbox completely full. Because of the numerous voice messages, coming from both an automated system as well as employees calling, there was no mail box space available for actual business calls. I want the calls to my job to STOP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NM

Complaint narrative:
This is the XXXX complaint I have filed against Select Portfolio Servicing. I filed a modification request five years ago before SPS became the loan servicer. After I 'd submitted documentation repeatedly over that period, SPS stopped acknowledging my counsel and mailed me directly an offer, which I never received. When they notified my counsel that the offer was expired ( even though they claimed they were not authorized to speak with my counsel ), SPS refused to extend the time to permit me to accept the offer. 
Accordingly, I submitted a complete new modification application, XXXX on XXXX XXXX, 2015 and again on XXXX XXXX, 2015 and XXXX XXXX, 2015. SPS 's response was form letters directing me to file the forms I had just filed. Finally, on XXXX XXXX, 2015 and XXXX XXXX, 2015, SPS acknowledged receiving correspondence and information though the form letters do n't identify specifically what they received. Though my counsel has repeatedly asked SPS to call him if additional documentation is required, they refuse to do this. Instead, SPS continues to send form letters requesting me to send documents I have already, and repeatedly, transmitted to them, through my legal counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
BBT once again is overcharging my escrows account by almost {$1000.00}. I have been dealing with this issue since XXXX 2015 and they are still messing this up. I DO NOT WANT TO OVERPAY AND I SHOULD N'T.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I need your assistance in investigating my mortgage company, SPS. They claimed that I defaulted on the HAMP. Reason being was that they said after placing me on the HAMP, they realized that I was unemployed when they, XXXX XXXX placed me on the HAMP and after realizing that I was getting unemployment checks ( which they received copies of in the modification packet ; they kicked me off the program. I made three trail payments them they sent me the permanent payment plan but then re-sended, claiming that because I was unemployed I did n't qualify for the program. Then they went into my husband account and took out a payment and he is not even on my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
My husband and I reside in a XXXX family house that we have owned since XX/XX/XXXX. In XX/XX/XXXX, our former bank, XXXX XXXX XXXX, sold our house without our consent or acknowledgement to our current bank. During that time, our mortgage had tripled which left us unable to keep up with the payments. Our current mortgage was willing to work with us by advising us to apply for a modification. We did and had gotten approved. From XXXX XXXX to XXXX XXXX we have religiously paid our new mortgage payment on time. Never once late. As of XXXX XXXX, XXXX, our mortgage will raise from {$2600.00} to {$4800.00}. With our rental income of {$2900.00} and our Social Security of {$23000.00}, we can not afford to pay the new mortgage. Both my husband and I are XXXX. We would have a reaming balance of {$480.00}. Our water bill alone is {$500.00}. We are held legally responsible to provide water, public lighting, and maintenances to our tenants. We need help. I want to get out of the ARMS once and for all and have a fixed mortgage rate. I thank you for all your help. I truly appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I have disputed the information with the company. However, I have not gotten a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
Calvary Portfolio has purchased this debt from another debt collector. Upon Calvary Portfolio 's procurement of this old debt, this company engaged in aggressive debt collection tactics by filing several motions in different states as an attempt to collect prior to giving the alleged debtor a chance to be heard before litigation. This method is commonly seen as an act of intimidation, a means of a quick settle, and frankly, a scam. Sometimes, they harass the wrong person and their lives are made difficult to clear their name in the Public Record Forum. This method of debt collection is now frowned upon with new legislation to protect the consumer since 2009. I had no real proof this debt belonged to me from this debt collector, I simply paid the debt, all the while experiencing financial trauma in my own life. This company preyed on old debt and victims in the midst of the country 's credit crisis. They have " contract '' lawyers in many areas and one of their lawyer 's was absolutely abusive in her language and collection tactics. Please see the attached. I was not given a chance to be heard and I relocated frequently due to my husband 's contract engineering job. 
Additionally, when I discovered this company filed motions in different states with accompanying negative comments, and names of private parties as notes for others to see on my Public Record report. Please see attached. I 've asked the company to remove this and all entries in Public Record ( which are worded inappropriately ), they have not responded. Debt collectors should not be free to ruin people 's reputations, include people 's names unrelated to the debt in my Public Record, and refuse to respond to my written request to fix the damaged they have caused. Without the forum and neutral assistance of the CFPB, this abuse and debt collection practices will continue to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I had a home equity loan with Nationstar for XXXX and I defaulted and they filed to foreclose and I did n't want to lose the house so I filed bankruptcy and tried many times to get a modification well they finally did the modification but I originally had the home equity loan for 15 years well now they modified it for 40 years and I will have to pay back on XXXX the house is only worth say XXXX I do n't have access to this account via internet or website they claim because I am currently in bankruptcy and it 's really annoying me that I ca n't get any information on the website. They need to go with the original amount and the original term XXXX for 15 years period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
I am a male. My husband and I are both males. We both recently applied for a credit card from discover. 
Shortly after we received a phone call from one of their representatives. 
After confirming my information he said that i was approved for a credit card. 
Then i asked him to check my husband 's application status. 
He said that he wants to talk to " HER ''. I repeated that he is my husband and that he 's a male. 
Then he asked to talk to my " WIFE ''. I repeated again that he is a male. 
After that he said " Oh boy! '' I asked him twice : " Did you just say that? ", He did n't answer. 
He asked his name and he said that he ca n't understand me and he wants him to call the same phone number back and talk to someone else. 
I was shocked that this kind of discrimination can happen at such a big company like discover especially on our first day of our business relationship. 
I called his supervisor to complain about his behavior. I was able to record that call. After a couple of hours she left me a voice mail confirming the whole situation and she said that the person is just going to be reprimanded and trained. 
I called her and asked to cancel my credit card. She said that she can try to do so and will call me back the same day. She never called back. 
I 'm so upset with Discover especially after they still want to have a homophobic employee working for them after " training ''. 
This situation is horrific and not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
As of this date, I have not received a reply to my complaint dated XX/XX/XXXX I did, however, receive a letter dated XX/XX/XXXX XXXX Required Information Notice XXXX. I am very concerned because the letter " acknowledges receipt of the Assistance Review Application, but has determined it is incomplete '' but I NEVER completed or submitted an Assistance Review Application. Can you please assistance me in obtaining a copy of the Assistance Review Application reportedly submitted? 
Also, SPS has yet to respond to the Notice of Errors dated XXXX XXXX. Clearly, it is not in my best interest to negotiate any loss mitigation options without an accurate accounting of : a. what I paidb. when I paidc. an explanation of questionable chargesd. an explanation of illegal upfront feese. an accurate account of the loan balancef. who actually owns the loanMost important, SPS has refused to respond for the request that they honor the previous modification I entered into with XXXX XXXX XXXX in XX/XX/XXXX

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