vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I applied for a modified mortgage back in XXXX XXXX. I sent all my paperwork back in XXXX XXXX and was told I was approved and my final documents would be sent out after my trial period payments were done. When I never received these modified mortgage final documents in XXXX XXXX I called nationstar mortgage to see what was going on. They told me that on page XXXX the notary did n't print her name on the line provided. I asked why I was n't told since XXXX and was told they did n't know. I explained I had even spoken to my representative who is no longer around XXXX XXXX and she said it was all being sent. They advised they were resending the paper work to be resigned. I had to call again stating I still have not received the paper work and was told oh sorry it was not sent. I finally got it and then received a notice one week later saying I owe payment of XXXX from XXXX when trial payments started and my modification is denied due to no paper work ever submitted in XXXX as per a representative XXXX. As of this date I ca n't get in touch with my assigned rep. What am I suppose to do now???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IA

Complaint narrative:
Nation Star sent a letter dated XX/XX/XXXX saying I needed to show proof of my homeowners insurance and I needed to have my agent show proof that I had insurance, otherwise Nation Star would buy insurance on my behalf. 

I received the escrow bill this week ( dated XXXX/XXXX/15 ) and Nation Star is escrowing, exactly, {$270.00} from my account, which is what I pay XXXX directly! I talked to my insurance agent through XXXX XXXX and she had no idea why that would happen. Nstar then ESCROWED the exact amount I pay to my insurance company and had the audacity to send me a bill stating the amount I already pay would be deducted monthly into my escrow account. 

Nation Star clearly took the info my agent sent them and added it to the escrow account, so that they would be paid. I have always paid through XXXX, so this is very disconcerting that NationStar was hoping I would not catch what they did in order to take more money out of my pocket and in to theirs. 

After being passed to XXXX different people, the woman in the escrow department said it was an error on their part and they should have never charged my account. She said they are starting the process to take the HOI off of the account, but when I kept asking about having something in writing, she only said they would reanalyze my escrow account. 

This is a predatory " debt collector '' as they call themselves on the statements, not a mortgage company. This company is sketchy and engages in predatory practices that are completely shady. I will be calling back to make sure this is completed AND I requested something in writing to state the charge was removed from my escrow and there would be a new analysis. 

While on the phone, I also asked how I can remove my tax escrow and the woman told me it was n't possible to remove the escrow. I told her she was wrong and it was possible. She put me on hold and after a few minutes came back to tell me I could submit a request, which they will most likely deny, but I at least tried and will keep trying because she was clearly withholding information from me on how I can remove the tax escrow. I want Nation Star to give send me the exact steps to have it removed.

Company response to consumer: Closed
Consumer complaint received 2015-12-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
CLAIM AGAINST BB & T, WHICH THE CFPB REGULATES, FOR VIOLATION OF CONSUMER PROTECTION LAWS In XXXX 2014 ( my dispute with BB & T has gone on for months ), I called the Fraud Division of BB & T and reported criminal activity on my account. XXXX Sunday, I found myself locked out. I called the office of a company which purported to be in the locksmith business. I told the dispatcher that I needed to have my front door opened and a mailbox key made. He told me that the price for the work would be {$120.00}, which I agreed to pay. However, when the locksmith finished the job, he presented me an invoice for {$440.00} and threatened me physically if I did not sign the invoice. Under those frightening circumstances, I signed. I may have gotten a few facts wrong when I reported this incident in my initial letter to the bank, but I was so traumatized by these events that I had to process them with the help of a psychiatrist, and I shook each time I discussed them. 

A few days after the incident, I filed a report with the XXXX XXXX XXXX Police Department. XXXX XXXX took the report. During our discussion, he mentioned that the Department had received complaints from XXXX other individuals regarding a swarthy looking man who had done some locksmith work on their property and had threatened them physically into signing an invoice several times greater than the amount that they had agreed to pay.. 
Four or five months into this debate, BB & T insisted that I provide the bank with a copy of the police report. I went to the Police Department and requested a copy, but they could not find it in their files. The Department 's failure to produce the report was not terribly surprising to me since I had filed a prior complaint with the Department on a totally different issue and they could not find that report in their files either. 

I have exchanged several letter with BB & T 's Assistant General Counsel XXXX XXXX on this issue. She insists that I produce a copy of the police report before she would refund the {$310.00} that BB & T had deducted from my account. I have explained to her numerous times that I did not sign the invoice voluntarily but only because my life was threatened. I also told her that I refused to be penalized for the carelessness of the Police Department in maintaining its records. 

This is a case where a bank is oppressing a customer -- simply because they have the power, and the customer has no power. 

I hope that the CFPB can help me get my money back. Many thanks for your assistance. 

Sincerely XXXX XXXX XXXX XXXXXXXXXXXX Landline : XXXX Cell : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: TN

Complaint narrative:
On XXXX XXXX, 2016 XXXX XXXX walk into BB & T in XXXX Tennessee, she with drawer XXXX from the bank. She ask for a refund on our account and ask for the account to be closed. The teller told her, she would checking to it. No one had called. We assume the account was closed. In XXXX XXXX, we found out the account was not closed, and because I am on my uncle account, BB & T withdrawer XXXX from my uncle account. After try to explain to BB & T that we wanted our account closed and no one should have had access to the account. They said their is nothing they can do. It all bank fee,

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 2017-03-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Certified Services, Inc.
State: WI

Complaint narrative:
Certified Services, Inc. repeatedly calls my grandmother and the man who calls threatens her with physical violence and uses profanity. She will hang up only to have the man call right back and continue to attempt to make her pay my debts.

Company response to consumer: Closed
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
During the closing of our home, the mortgage company ( XXXX ) selected an appraiser that used higher priced comparables outside of our neighborhood to appraise the home XXXX above the sale price of XXXX. One and a half years later while we were attempting to re-fiance with our current mortgage servicer ( NationStar ), they selected an appraiser that only used lower comparables, exclusively in our neighborhood. The appraisal came in XXXX lower than the actual sale price. In both cases the appraiser noted local prices were stable. 

It appears that either the initial appraiser or the second appraiser or both appraisers made sure to select an appraisal value that most benefited the mortgage company that ordered the appraisal. In the first case the higher appraised value helped ensure we continued with the closing process. In the second case, the lower appraised value meant we needed to bring more cash to the table, as our primary motivation for re-financing was to remove the PMI from the initial loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Select Portfolio Servicing is a debt collection company who has been harassing me daily. I sent them a debt validation letter and they never respond with the proper paperwork. In the mean time they continue to call my phone, left notes at my door. They are trying to foreclosure on me and I do n't know who this company. According to the FDCPA they are using deceptive practices to steal my home and also I did n't give them consent to contact me nor did they have express permission from a judge or court order saying that they can contact me. 
I know my rights are being violated. I am tired of living in fair and this is affecting my entire family. 
I am currently overwhelm by this company actions, I am suffering from XXXX, XXXX, XXXX and many more issues. 
See attached some correspondences from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I requested my bank close my IRA account and refund the money to me. BBT agrees that they owe the money. That was 6 weeks ago, XXXX emails and XXXX phone calls ago and I still have not received my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 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 BANK SUBMITTED A XXXX AND I DID NOT USE THE BANK ACCOUNT. I WANTED TO OPEN A BUSINESS ACCOUNT AND THEY WOULD NOT LET ME. THIS NEEDS TO BE REMOVED FROM MY HISTORY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Nationstar has " retailed '' against me after the conculsion of my first complaint. ( XXXX by once again unilaterally changing the terms and condition of my 30 year fixed mortgage by increasing my monthly payment and making sure my statement does not reach Pennsylvania until XXXX XXXX or the XXXX of the month. Now they are calling me twice a day every day even on Sunday. 

This all began with the very first payment I made to Nationstar when I paid my {$1200.00} payment and they unilaterally deducted {$40.00} for an escrow account in which my mortgage did NOT require such action ; this was on XXXX XXXX, 2013. Even after many letters they stopped the escrow account they " never '' re-calculated my Principal and Interest and therefore I never received proper credit and the fees began. In addition the Court ruled you could not " force place '' flood insuance ( sent them a copy of the Court 's decision ) - guess what Nationstar ignored the decision and forced placed flood insurance on me - they truly believe they are above the law. 

Even after I filed with Cfpb they submitted the same letter to Cfpb they sent to me none of the letters addressed the issue as I outlined and the fact the knew nothing would happen to them with me filing the complaint. When I looked at Cfpb 's web site there are pages and pages against Nationstar, I will keep submitting complaints and maybe just maybe the Federal Trade Commission will begin an investigation if they have not already done so. 

I have each and every document since XXXX 2013 this is XXXX of the reasons they double-talk in their responses. I even asked them to have a face to face with me nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a mortgage with NationStar Mortgage. I try to pay my mortgage in aaaa advance by 1-4 months. I also pay extra principle with most all of these payments. I submit via mortgage coupon or wire transaction notes my instructions on which month to credit the payment towards and the balance towards extra principle payments. The company will not abide by these instructions and choose their own way to post the payments. 
Sometimes it is all to principle, other times not. I have to call in or email in my complaint and THEN and ONLY THEN will they post it correctly. 
They insist I sign up for XXXX of XXXX plans to have my payments directed. I Have chosen none of these as I want to direct my payments as my funds allow well in advance if I can. They REFUSE to post as I ask them to with each payment. Is n't this illegal? Why have transactions notes or Mortgage coupon notes if you wo n't read them? I have never, ever had such a problem in 30 years. Can I demand they read this or demand transfer my mortgage to a company more traditional? Thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I purchased a skin cream over the telephone-I received the product then the invoice on my XXXX Master Card-the next month I received the product again along with the bill-I called the XXXX and told them that I never ordered a XXXX order-I told them to not charge my CC any more-they continued to every month after they said they would not-I called the credit card co and explained that this was not an authorized charge-they said they would look in to it but could not prevent further charges-I said if that is the case cancel my card-they said they would but allowed more charges 3 months later-I even paid 1 month charges of product I did not receive just to get rid of the credit card-now they keep sending me statements with late fees and interest and are affecting my credit rating-can something be done about this.

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 monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
I had refinanced my mortgage which closed on XX/XX/2016. Nationstar mortgage company still has not refunded my escrow balance ( property tax in this case for {$1900.00} XXXX. I have been in contact with them since middle of XX/XX/XXXX, and each time representatives would assure they are taking a step, initiating the request, and so on. Their original excuse was that they sent the check to XXXX. I called XXXX, and they informed me that they received the payment from new escrow account but never received anything from Nationstar. I was informed that the balance was in the system, and that the check would arrive before XX/XX/XXXX for sure when I called before XX/XX/XXXX holidays. It never came ... After numerous phone calls lasting about XXXX min each time, the representative from yesterday said it would take another XXXX weeks to request the check but would try to expedite to be processed in XXXX business days, which means I would receive the check in middle of XX/XX/XXXX. I was upset and asked to speak to a supervisor. XXXX, supervisor, said he would investigate and follow up with me personally and get the check sent out asap. I really do n't trust anything they say at this point. I refinanced another property exactly at the same time, and the other lender sent escrow refund check to me in middle of XX/XX/XXXX. Nationstar Mortgage company should not take XXXX months longer than other lenders to refund escrow balance owed to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
My Nationstar Mortgage has let my home owner 's insurance lapse despite reporting otherwise. I am having to pay this in order that my home owner 's insurance not lapse. There is no issue with my payment on my end, they simply have not done their part. Very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
We have had several problems with them ( Select portfolio servicing center ) over the years but the most recent problem is we were trying to get a Home mortification done, and we have started atleast XXXX of them. I have made my payments on time then after the trial period is up then start sending our checks back uncashed and start foreclosure again. Have many fees unexplained. We have had nothing but trouble from them in the last 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 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
XXXX & XXXX XXXX brought up an ACT 91 Notice and we will send out to XXXX. We will send out a complaint to CFPB. They havebeen working with XXXX since XX/XX/XXXX first to get a loan modification with XXXX XXXX XXXX and now withNationstar Mortgage. They have been contacted by lawyers to scam them out of their money to pay them @ {$750.00} a month. People keep comingout to take pictures of their house even as we are waiting for an answer to our request for the loan modifications sent : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Atrial modification was offered on XX/XX/XXXX for XXXX payments of {$730.00} starting on XX/XX/XXXX. XXXX XXXX received a letter dated XX/XX/XXXX sayingNationstar has received their loan modification application and generally take 30 days to evaluate. In a letter dated XX/XX/XXXX Nationstar offered aForbearance Plan and Agreement for 3 months starting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at {$520.00} a month. During the Deferral Period they willbe evaluated for the HAMP program. Here we are still waiting to hear a positive response on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
AURORA LOAN SERVICE SOLD ME A PREDATORY HOME LOAN AND THE FOLKS IN A CLASS ACTION SUIT HELD IN MINNESOTA DECLARED THEM GUILTY ; SENT ME A NOTICE STATING SO WITH A {$600.00} CHECK FOR COMPENSATION. 
THEN THEY HAND IT OFF TO NATIONSTAR AFTER BEING ADJUDICATED FOR THEIR CRIME. PLEASE FIX THESE ERRORS AGAINST MY CREDIT. I LOST MY INHERITANCE MONEY TO THESE CROOKS. SHAMEFUL, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
I received military XXXX me from XXXX to XXXX in XXXX 2016. I shopped for a mortgage with XXXX, Quicken Loans, and XXXX receiving a Loan Estimate from each leader. I chose Quicken Loans on XXXX XXXX, 2016 because they offered me the lowest interest rate and fees for a mortgage. 

Everything was moving along until I received a re-disclosure package on XXXX XXXX, 2016. The re-disclosure package had three errors : 1. It added a {$730.00} fee for points ; 2. It increased my credit report fee from {$9.00} to {$25.00} ; and 3. It did not adjust my loan origination fee from {$1900.00} to {$980.00} as QL agreed to match XXXX loan origination fee. I addressed these errors with XXXX XXXX ( NMLS # XXXX ) on XXXX XXXX, 2016 in an email. He replied to me telling me the errors would be corrected prior to close. 

On XXXX XXXX, 2016 ( 6-business days prior to closing ) I was told over the phone they would not correct these errors. I now only have 5-business days until closing and feel I have been strung along until it was impossible for me to use another lender or have these issues addressed through the CFPB or the Department of Defense Inspector General. These fees represent a {$1700.00} increase to my closing costs which I must come up with in 5-business days. If I do n't go through with the mortgage with Quicken Loans I will lose over {$2100.00} in money spent for earnest money, inspections, surveys, estimates, and appraisals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I had a mortgage with Nationstar Mortgage and I applied for refinancing. Nationstar 's mortgaging arm is Greenlight loans. I applied on or around XXXX XXXX, 2015 There were a couple of mistakes made by Greenlight while handling the loan like putting the wrong dates on documents and numerous other mistakes which made me pay {$500.00} - {$1000.00} more in interest. I called them and ask to negotiate a refund because it was a conflict of interest when these mistakes they admitted to me cost me each day in interest. I also called and talk to someone about the escrow amounts left from the old loan which was never sent to me or added to the new loan. I was told I would be sent documents I ask for to follow the trail of where the escrow amounts went but that did n't happen. On my first statement after the new loan started I had a escrow balance of {$1000.00} before I made the first payment. On my next statement there was a adjustment - escrow Of - {$1000.00} with no explanation. I called and the person told me the money was left from closing but could not tell me why it was deducted or where it went.

Company response to consumer: Closed with explanation