vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: AL

Complaint narrative:
I have a issue where Bb & t has withheld funds since XXXX 2015. My account was abrubtly closed without given me a reason with $ XXXX in the account. Ive attempted to resolve this numerous times in the branch that I opened the account and no one can tell me anything.

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 2015-10-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
The Homestead Lien Contract and Deed of Trust dated XXXX XXXX, 2005 on our XXXX acres and home was misfiled as a " Homestead Lien Contract and Deed of Trust '' and should have been a simple Deed of Trust securing the Note - not creating a home equity loan. We relied on the knowledge and expertise of XXXX XXXX XXXX in Texas Mortgage Law to be correct ; however, this does not appear to be justified. This filing should never been designated as a " Home Equity '' loan. My letter of XXXX/XXXX/2015 was arbitrarily dismissed without citing any specific error in my position. My letter of XXXX/XXXX/2015 cited Texas Statute as to the error in the mortgage documents filed. I can not get a response from the lender beyond they are researching - for the last 6 months.

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: VA

Complaint narrative:
1. I refinanced my old loan issued by Nationstar with a new loan from XXXX XXXX NA. The settlement of refinancing was done on XXXX XXXX, 2015 with a settlement company named XXXX XXXX XXXX XXXX ( " XXXX '' ). 

2. The new loan was issued by XXXX XXXX on XXXX XXXX, 2015 ( see Exhibit1 ). 

3. On XXXX XXXX, 2015, XXXX XXXX ( apparently using XXXX XXXX XXXX ' account ) wire transferred {$240000.00} through the XXXX XXXX ( which is XXXX ) to XXXX XXXX XXXX ( which is Nationstar 's bank ) as instructed in the payoff quotation issued by Nationstar on XXXX XXXX, 2015 ( see Exhibit 2 ). 

4. On XXXX XXXX, 2015, XXXX XXXX received a request for information from XXXX XXXX demanding information about me ( date of birth, place of birth, and so forth ) ( see Exhibit 2 ). On the same date, XXXX XXXX sent the requested information about me to XXXX XXXX Bank by email ( see Exhibit 2 and for the attachment to the email, see Exhibit 3 ). 

5. On XXXX XXXX, 2015, XXXX XXXX XXXX released the funds to Nationstar ( see Exhibit XXXX ). And on the same date, XXXX XXXX demanded Nationstar to pay off the old loan as of XXXX XXXX, 2015 since it was the date on which Nationstar 's bank received the payoff amount ( see Exhibit2 ). 

6. On XXXX XXXX, 2015, Nationstar told me that the wired fund was short of {$170.00} to pay off the old loan, and the loan was still pending and would keep accruing interest of {$39.00} a day ( see Exhibit 4 ). Nationstar explained to me that it did not apply the funds to pay off the old loan because the old pay-off quote was valid only until XXXX XXXX, 2015 ( see the Payoff Quote in Exhibit 2 ). 

7. On XXXX XXXX, 2015, Nationstar called me again and demanded additional interest amount of {$470.00} to pay off the old loan ( see Exhibit XXXX ). XXXX XXXX wire transferred the shortage amount to Nationstar 's bank ( XXXX XXXX XXXX ) ( see Exhibit 7 ) on the condition that I reimburse XXXX XXXX 's additional cost ( see Exhibit 6 ). On the same date, I sent out a check of {$470.00} to XXXX XXXX ( see Exhibit 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
We contacted Susquehana about refinancing our HELOC. The broker explained the eligibility requirements and the terms of the loan. One of the key factors was an introductory rate of 2.49 % that would last for 12 months and then the loan would convert to a variable rate of prime minus a .25 % discount for having a Susquehana free checking account with automatic loan payments deducted from that account. The broker explained there was a loan to value ratio ( LTV ) we could not exceed taking into account our primary mortgage. We explained that the purpose of the loan was to pay off the original HELOC which was $ XXXXand to have the ability to use the HELOC for home improvement and potentially a down payment on a second home. The broker told us that we were approved for a {$420000.00} HELOC and we assumed that based on a XXXX appraisal of our home and approximate first mortgage of {$700000.00}, that this number represented an acceptable amount within the acceptable LTV parameters. We were never presented with any alternate loan figures or told that by agreeing to this amount, we would not be within the promised variable rate after the first year of prime minus .25 %. So we accepted the offer and closed on the loan. 
The first year of the HELOC payments were as expected. During the course of the year, we only used under {$300000.00} of the HELOC. However, at the one year mark, the loan payments doubled. When we inquired what the new rate was, we were told that our loan reset to prime plus .25 % ( instead of the expected minus .25 % rate ). When we asked why, we were told that our overall loan amount at closing exceeded the XXXX % LTV and therefore we were not entitled to the prime minus .25 % rate. 
The broker never explained that if the HELOC LTV ratio exceeded a certain percentage that the introductory rate would reset to a higher APR after the first year. And we were never given an option of borrowing less so we would not exceed the LTV. Indeed, we did not use 70 %. 
We immediately contacted Susquehanna and asked if they could lower the loan limit to bring us within the acceptable LTV limit but they could not. And they refused to reset the rate to the original promised rate. 
At this point we feel that they maximized the loan figure for their own benefit. We had no way of knowing this would occur or that we were not within the acceptable LTV ratio until after the first year when the rate changed. By then, it was too late and we are stuck with a higher loan we do n't need and with higher interest payments. In addition, we ca n't refinance because we would be stuck paying additional closing costs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
I requested my current mortgage servicer, Nation Star, to remove our PMI insurance. They refuse to remove the PMI. XXXX weeks ago I completed paperwork to request the removal, but according to my loan docs it was supposed to be automatically removed on XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX I obtained a copy of my credit report from XXXX and noticed that XXXX has allowed a collection agency named XXXX XXXX XXXX to insert in and duplicate a debt that is already listed on my credit report with the XXXX. SO now the debt is listed twice! Different amounts different dates! What is happening is that the original company ( SPS Servicing ) account is near its time of deletion from my report, and they have sold my account to a collection agency in which I have " NO CONTRACT WITH '' and now the debt is listed twice! A clear violation of law! XXXX XXXX XXXX has illegally added this debt to my credit report. Every few months another company buys the debt which now its ( XXXX XXXX XXXX ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XX/XX/XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from XXXX XXXX XXXX and want this removed from my XXXX Credit Report asap! This is against the law. They have violated the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Lender ( Quicken Loans ) did not respond to inquiries leading up to a clear to close date, and only asked if we intended to go forward with the loan the evening prior to the clear to close date. We had supplied them with an engineering report that clearly stated there was nothing that should prohibit occupying the home, and no reason to forestall closing on the loan. 
Lender came back with an onerous demand for XXXX % of contractor bid to complete work. 
We were under severe duress and faced losing the home if we did not comply. Escrow was being held for the purpose of a foundation issue suggested by their appraiser, and not mentioned in our home inspection. Since we did not own the home at the time, and it was being sold as is, the former homeowner was under no obligation to grant adequate access for a thorough evaluation by the engineering firm and the contractor. 
Following the thorough evaluation, the engineer concluded that a front porch slab be replaced and that there was no need to do any foundation repair. Quicken continues to hold our escrow, failed to provide the name of the supervisor of XXXX XXXX, who supplied an abusive and inadequate response to our requests for the funds. Further, we have put in a request for a check to be paid to a contractor so work can begin, and that request has been ignored, even though we proceeded as stipulated. 
Quicken 's failure to provide us with sufficient time to seek alternative funding has cost us tens of thousands of dollars. The inconsiderate manner that they conduct business is shameful if not bordering on criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Our loan was with XXXX Mortgage - did n't verify income - loan agent told me to use any $ $ - after a couple of months - I could see loan it a " BAD LOAN '' tried to refinance but home was n't worth as much as the what we owed on loan. Sold to XXXX - Then to XXXX -In the middle of working with XXXX - loan was sold again - SPS is now the collection service company - I was told XXXX XXXX now owns the loan! 
I have been working with SPS since 2011 to get a loan modification - principal reduction - Well, I have gotten so many different stories as to what can be done or not done! 

We are trying again!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Servicing XXXX Inc., aka SPS charges a fee to pay your mortgage online of {$15.00}. In addition, when you do pay this fee SPS does not show it on your mortgage statement. They should not be allowed to charge someone to make their mortgage payment and if they so they should be required, in writing on the statement, to acknowledge that such a payment was made that did not go toward your mortgage or escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
My Husband pasted in 2014 and since I 'm not on the Mortgage Nationstar Mortgage will not talk to the spouse to get anything resolved in this case. My hands are tied because they wont talk to me. I want to stay in my home. I also have a child that lost his father at XXXXyrs.old

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
I knew this month we were going to be late in our payment to Nationstar Mortgage. I went into their site as an active account and called the support lines they provided. Each different phone number posted directed me to to answer a brief survey which they promoted products XXXX. If I chose not to accept my free vacation I landed back at that question. I could not email them and I could not get to them. They have been harrassing me for months to redo my loan at XXXX % interest rate instead of current XXXX % like other banks. I have refused as their methods are an insult to anyone of intelligence. finally, today, after my wife getting her SSI payment I tried to go online to make my payment. The door is locked I am now in collections. This company is out of control. I did just for grins send an email via " support '' asking them if I could pay the house payment with a credit card-no answer other than I can call XXXX the XXXX numbers demonstrated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
BB & T foreclosed on my home despite many attempts to work with the lender. The Plaintiff is in violation of Dual Tracking in that I have not been allowed ample time to execute all actions to avoid a Foreclosure. My modification was declined XXXX/XXXX/15 and the auction proceeded on XXXX/XXXX/15 leaving little time to explore other options such as the HARP program or Short Sale. Furthermore, I had asked for assistance before ( in BB & T 's ) records yet no record of sending a Loss Mitigation package was unable to be produced. The lender has not been able to provide an original contract. The transfer from the previous mortgage company to BB & T has not been recorded. BB & T claims that the Civil Circuit Court is unable to adjudicate the Case as Dual Tracking is a Federal Matter. The Plaintiff and the defendant filed motions, neither of which was ruled upon in the court, yet the auction continued. The loan could also be considered predatory in nature as the mortgage amount {$1600.00} / mo. leaves a household of XXXX well below the National Guidelines for Poverty.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I phoned Quicken Loan Company in response to an extensive ad campaign that advertised HARP refinance, for which I know I am well-qualified. After three days, XXXX highly questionable sales people ( XXXX, XXXX, and XXXX ) not XXXX of them would talk to me about HARP refi. They tried very hard, with a ton of pressure, to sell me a program of their own with closing costs of $ XXXX. The technique is bait and switch, and I object to their failure to provide clear, factual information and their insistence on getting far too much personal information AND pulling a credit report before they would even discuss loans at all. They never did talk about HARP refi -- said the government charged them very high fees for those programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage has 1 ) not appropriately applied my excess loan payments towards principal. They forward it to the next month 's minimum payment. 2 ) put me on internet only notices without my permission, 3 ) and have continued illegal and predatory treatment of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
My experience with Nationstar Mortgage has been a nightmare from the very beginning they purchased my loan from XXXX XXXX XXXX. XXXX XXXX XXXX was taking XXXX mortgage payment out of my checking account on the XXXX and the XXXX of each month only charging me {$4.00} additionally per withdrawal. I phoned Nationstar Mortgage to set this same type of payment plan up, was told I had to pay {$290.00} up front then they would take out XXXX a payment every two weeks to pay my mortgage off early. Which would have been great if I could afford to do, but not feasible for me and I could not understand why I had to pay them {$290.00} up front to get their payment. I then fell behind on my payments due to medical bills and other hardships, applied for a forbearance sometime last year only to be denied. I have asked them to do a 3 month deferment to try to get back on track so I can keep my home, but have only been told no to anything I have tried. I have tried forbearance, asked for deferment, asked about refinancing under a XXXX Loan, and even refinancing, was declined on all. When anyone calls me from Nationstar Mortgage it is always someone who can barely speak XXXX, they do not leave a message on my phone when I am unable to answer due to being at work. I have never experienced such a nightmare regarding a mortgage company. Nationstar Mortgage has called me on several occasions before XXXX and after XXXX. many times when they call they hang up without even speaking to me. They will call me and hang up as soon as I answer the phone. This is a nightmare and doing the best to keep my home which I owe far more than the home is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar is the servicer of my second mortgage. After my first mortgage was successfully modified by the XXXX XXXX XXXX, I contacted Nationstar to inquire about a 2MP under HAMP. Nationstar informed me that my investor, XXXX ( XXXX ) does not participate in home loan modifications regardless of the federal HAMP guidelines. So I contacted XXXX. XXXX provided me a telephone number to a voicemail system that states " the decision to modify a mortgage loan ins the sole discretion of the servicer, here Nationstar. So I contacted Nationstar again, to make them aware of the XXXX voicemail. Nationstar 's representative asked me to conduct a conference call with himself, myself and XXXX voicemail system so that he could hear it himself. Once he heard the voicemail, Nationstar 's representative told me that Nationstar will conduct an internal investigation into this matter. Nationstar sent me a letter following their investigation stating that the XXXX voicemail was inaccurate and that the decision to modify was the sole discretion of the investor, here XXXX and not theirs. This information confused me. Nationstar is being evasive and not forthcoming with the real reason behind their arbitrary decision not to consider my home loan for modification pursuant to HAMP. I applied for a modification back in XXXX 2015. At one point, Nationstar rejected my payments and credited them back to my bank account. When I contacted Nationstar, they told me that they were rejecting my payments because I was over {$1200.00} behind and that I needed to catch up. Fearing that Nationstar had begun foreclosing, I sold some items and borrowed money to pay them because I 'd like to keep my home. When Nationstar called my home to collect on the late payments, I informed them that I had filed a complaint with the Consumer Financial Protection Bureau. The Nationstar representative then informed me that he will escalate the matter as a " proactive measure since I had filed a complaint. '' He said they will look into the matter. Nationstar still has n't offered to review my application or modify my loan under the HAMP 2MP. Nationstar continues to blame XXXX and XXXX continues to blame Nationstar.

Company response to consumer: Closed
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Numerous errors and discrepancies found after reviewing 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 2016-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: KY

Complaint narrative:
My mortgage was originally with XXXX and was eventually taken over by XXXX XXXX XXXX. XXXX XXXX XXXX would allow me to cancel my PMI and not charge me for an appraisal when the loan to value qualified to remove the PMI. Nationstar bought my mortgage without my approval and they are requiring I may {$450.00} for an appraisal to remove the PMI. I think this is a racket and should be illegal to change the terms of the servicing of my loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I have established auto pay with XXXX of my credit cards through my bank ( BB & T ). When the credit card request payment, BB & T does not pay. I have received a letter from XXXX Bank for XXXX payment stating they are closing my account for dishonored payments.When I do my payment on line, it does go through. I now have the credit card suspended. I 've went to BB & T several times with no satisfaction .I am also been reported to credit bureau. How can I make sure my credit has not been harmed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation