vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation
State: WI

Complaint narrative:
To : consumer Financial Protection Bureau re : PHH re-finance mortage application fee XXXX/XXXX/XXXX To Whom it May Concern : Near the end of XXXX I telephoned my mortgage company, PHH Mortgage to investigate re-financing my home mortgage in order to reduce the interest rate and attempt to get my payments lowered. My employment scenario changed in XXXX and I have been struggling to meet the high mortgage. I have demonstrated reliability but was seeking help. 
After several lengthy telephone calls giving all the required information they then forwarded a lengthy application with very strict return date guidelines. 
The bottom line is that in the initial conversations, I was led to believe that my current salary would be part of the evaluation process. I was encouraged to include documents in the application that demonstrated my new contracts with more hours for this coming year/season. At no time was I told the only my last 2 years of tax returns would be used to evaluate the application final approval. 
In the end, after meeting all of their deadlines, and slow-downs, and requests for further documents, even adding my mother as a co-signer and gathering her documents, signatures, etcetera, my application was turned down. PHH wants to keep the application fee. 
I believe that I was purposely misled. Everything from long, wearing-you-down-style phone conversations ( in car salesman fashion ), to mis-representing what would be required, to extreme enthusiasm and nearly promising that the loan would be approved, to the extensive providing of documents, even repeats in comparison to the application items, the delaying of their response to those documents, and ultimately delaying a firm answer until their fee had gone through on my credit card. I had been willing to compromise at XXXX point, If they would agree to provide me with a complete copy of the house appraisal and return half of the application fee, I would have accepted. Currently, PHH sees no fault in their action and refuses to return the application fee, which frankly, I can not afford. 
I deem this to be under-handed business practice, unethical, unacceptable. My naivety about what would be required for a refinance, is admitted, but certainly, it is not a good enough reason to suffer such business practices. 
The fact is that they never told me in the initial calls that only my previous 2 years tax return income would be used. That would have saved many many hours, time, stress. 
I seek help in getting my application fee refunded. If there is any education and guidance you can give me in the matter, I would be grateful. 
Thanks you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I faxed a letter as initially directed by customer service requesting my PMI cancellation because it is meeting the ratio required. I make my payments on time, make extra payments and I have no junior loans. The Federal Reserve has the Homeowner 's Protection Act which states that in the case of a refinanced loan the " original value '' is interpreted as the appraisal used at the time of the refinance. I do not feel I should need to pay over XXXX dollars for a new appraisal when the Act states that the ratio is based on the original value/ appraisal. I called two hours later to confirm if fax was received. They said they have their own procedures, requested I fill sign their ( PMI Removal form " immediately '' ( which had a built in consent to pay for appraisal that I did n't see ) and to fax it to a different number. After debating the legality of their " required '' appraisal and fee, the employee XXXX XXXX then they said they are referring the matter to their PMI department and they will call me back in four days. I sent them the request, the appraisal, and I also sent the section of the Homeowners Protection Act pertaining to refinanced loans. I spoke with XXXX separate people and it took hours. Both women had heavy accents that were unintelligible. I have never received documentation from this company on PMI cancellation, nor is it visible anywhere in their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
Backaround XX/XX/2016 I contacted my mortgage co, PHH Mortgage about re-financing.The original loan was in my husband 's name ( now deceased ) only. I told them I was going to apply {$50000.00} as a down payment. This was a gift from my sister-in-law. I was told they could do the closing XXXX XXXX, & I needed to send them the $ XXXX PLUS my regular payment of {$780.00} before XXXX XXXX. I did. No closing on XXXX XXXX. Then, after I started calling regularly, they mailed me a letter saying they had my closing set for XXXX XXXX. That day came & went. Nothing. So on Monday XXXX XXXX, I called to find out why they did n't close. Said they needed to do employment verification. They had done it twice already. I told them I was getting an attorney to investigate. Next day, I got a call saying they were coming to my house @ XXXX on XXXX XXXX. Never came. Wo n't ans wer my calls. I am a widow. No pension, no social security. Only a job paying {$10.00} an hour. I can barely pay my bills, & only then with help from relatives & food stamps. PLEASE help me if you can. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Rosebud Economic Development Corporation
State: IA

Complaint narrative:
Money was supposed to be withdrawn on XX/XX/XXXX, but instead was withdrawn on XX/XX/XXXX resulting in an overdraft fee. Also, lender is not licensed in the state of Iowa.

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 2016-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: IL

Complaint narrative:
On XXXX XXXX, I closed a checking account at a bank with the intent of opening a new account with a credit union. As soon as I had opened the new account, I began changing information relating to automatic withdrawls of bill payments. I started with a phone call to the mortgage servicer, Phh Mortgage. I explained to the represenative that I had closed my old checking account, and wished to change the automatic withdrawl information to that of my new checking account. I had tried to do this online, but some strange problem with trying to set up a new password forced me to the phone. The rep informed me this could not be done by phone, that I would have to fill out a form and mail it back. I asked for the form and she said it would be sent out. She informed me that it was already too late to change the information in time for the XXXX XXXX payment, and provided me with a payment mailing address. I mailed a payment which was received and processed on time. On XXXX XXXX, PHH attempted to process the automatic withdrawl using information for the closed account. The payment was naturally refused, and PHH applied a {$25.00} NSF charge to my account. I received a letter to this effect on XXXX XXXX. I called them, and explained what had happened. The representative I spoke to, XXXX, stated that there was no information on thr account regarding the closing of the old checking account. I asked to have the NSF charge reversed. His supervisor denied the request. I should not have to pay for the incompetence of a PHH representative, and I want this charge removed, and an apology from PHH management for the performance of the representative, and the attitude of the supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ASSOCIATED BANC-CORP
State: IN

Complaint narrative:
I had to have the roof of my house replaced because of storm damage. The insurance company is required in the state of XXXX to issue the check to both the home owner and the mortgage holder. In this case Associated Bank in XXXX XXXX XXXX and myself. I was told to endorse the check and send it to Associated Bank. They endorsed the check and mailed it completely endorsed back to me. I thought it was an unsafe practice to send a completely endorsed check through the mail, so when the work was completed and all inspections done, I sent Associated Bank the final check from the insurance company to endorse. They mailed the check back to me with a letter that stated they will not endorse the check unless I endorse it first. After a phone conservation with Associated Bank, their only explanation for not endorsing the check is policy. I think you will agree that sending a fully endorsed check through the mail is an unsafe and unneccessary act. I would like to lodge a complaint against Associated Bank for this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Allied International Credit Corp., (US)
State: FL

Complaint narrative:
I did request a prove of the charges and I did receive the information about another person with different address. The envelope has my name and address but inside 10 pages of bank statements, names, addresses, everything about XXXX .... 
If I receive the information about this person, who has my? 
Please help me with this Identity Theft Collection Company. 
I like to their name to be published to everyone has account with this company to check if did not give your personal information to others. 

ALLIED INTERNATIONAL CREDIT CORP XXXX - AZ - XXXX PHONE - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
I had initially secured a mortgage modification from SPS ( Select Portfolio Services ) XX/XX/XXXX. Apparently there was a problem with the final modification being processed and my home is now scheduled for foreclosure sale. I disputed the foreclosure, and was not notified of my denial in writing, or given an appeal period. SPS is dual tracking my foreclosure which is scheduled for XX/XX/XXXX. I am a single parent of XXXX children, plus I provide a place to live for my XXXX older sister. I am in desperate need of help to stop this foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 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 been trying to get PMI removed for 2 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied to refinance my home mortgage in XXXX 2015. My bank agreed to match the refinance terms that I had received from a broker because of my being a long term banking customer. I proceeded with the loan process which included a loan subjugation from the city of XXXX XXXX and the conversion of assets to annual income. I received the Good Faith Estimate in XXXX 2015 which was as we agreed except the closing credits would be reflected once everything was finalized so that the amount would be correct. As the months passed I asked the mortgage banker about the rate lock and our original terms to make sure the rate, term and closing costs were as agreed. He assured me that the bank would uphold the terms and not to worry about the extensions. I talked with the mortgage broker XXXX XXXX about closing the XXXX. He said he would get back to me. 
On XXXX XXXX I received a revised Good Faith Estimate in the mail. It quoted {$6000.00} closing costs not the {$1500.00} quoted on the XXXX 2015 Estimate. The higher amount reflects the cost of the rate extensions which the bank newly determined to be my responsibility. The reason given was because the subjugation from the City of XXXX XXXX was not received until XXXX 2015 and since the delay was not the banks fault ... .I am responsible for the multiple rate locks. Their position ignores what I was told verbally by their mortgage broker. There were no written notifications either. If I had been aware of the cost of the rate extensions, I may have made different choices about pursuing the subjugation. 
I have been lied to and am in a position with few alternatives. The loan process that I believed was closing in a week is not as was presented to me. I hoping that I have some recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My loan was sold to Nationstar. At the time there was a {$1400.00} escrow surplus. However after one month, NS sent a letter stating that an audit revealed I had a shortage of {$500.00} and my pymt. needed to increase by {$40.00} a month. I disputed this via an a customer service rep. who said she would investigate. I never heard from her again. NS let the matter drop until XXXX of this year when an audit revealed I now had a {$2400.00} shortage. And my new pymt. was to increase by {$300.00} month. 
I disputed the math and the amount and asked to have a senior level person speak with me. I did this through the NS website in an email. A person did call. We spoke and i sent an XXXX page fax with my supporting documentation. I followed up with this person 11 days later. Heard nothing. Called again 4 days later and left a message. Heard nothing. 
I called the corporate office to complain, explain and ask for a senior level person to call me. I was assured that someone would. Heard nothing. 
Sent a certified letter with dates, names and broken promises to the CEO. Heard nothing yet. 
All the while customer service hounds me with phone calls to pay up. The loan has been put into default, they are threatening to begin foreclosure proceedingsand have stopped sending me hard copies of my monthly statement. 
I called today to demand that a hard copy be sent ASAP of the current month. I was told that I 'd been set up for email copies only. Ever since the loan was sent to NS, I 've always received hard copies, not once has a monthly statement been sent to me. I asked when the email copy was set up and I was told they could n't tell me. 
Each and every time customer service calls me I ask to speak to a senior person. I 've requested this multiple times via the NS secure message center. 
They do not respond except that very first time. Since then, they refuse to offer any help other than a payment plan. 
I am at a loss as to what to do next. It appears to me that NS has set up it 's departments with walls so that information can not be exchanged and thus problems do not get resolved. 
I went through similar issue with XXXX and it took 14 months to resolve. And the main reason XXXX cleared up the issue, ( they created ) is that I caught them in a lie. 
MY credit score is very, very high, I take my financial responsibilities very seriously. I do n't abuse my credit and I pay all my bills in full and on time. 
This makes it all the more frustrating to deal with NS. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
I have had multiple issue 's with Nationstar Mortgage. My new and most current issue is my credit report. I sold my house almost 4 months ago. XXXX XXXX 2015. I recently applied for credit for my next home, only to find my credit report shows the whole outstanding balance from my previous home. They never updated/turned that information in. This has brought on additional headaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I XXXX XXXX renewed my insurance a down payment in XXXX of XXXX of {$1200.00}, had the insurance agent from XXXX insurance to fax a proof of insurance to Nation Star. I 've called them 4 or 5 times, no resolution. I was told because in XXXX I had a little elapsed from XXXX to XXXX of XXXX, I was told that I must use escrow to the maturity of my loan. I feel that that is very unfair to me, I have supporting documents where they wrote me and made me aware that they are planning to buy me insurance, but it would be better if I went out and purchased my own insurance because it would be cheaper. Letter date XXXX XXXX, XXXX. I have the supporting letter and will sumit it to you for confirmation, it seem to me that Nation Star Mortgage is trying to make tremendous profit on me. The mortgage was originally taken out by XXXX XXXX XXXX , XXXX XXXX XXXX high interest rate I had some problems, they in return through me to this bad mortgage company ( Nation Star ) please help me to come to as smooth resolution. 
-Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
As I previously submitted. BBT gave a loan that was classified as commercial loan which was from the start, out of our paying ability. The initial loan was given in excess of the value of the property. BBT has stopped sending statements, and has stopped responding to my request to review their predatory lending policies and to make correction in the loan. Further, the refy loan was provided without asking any questions of the borrower. While they did go on line to review the household income, which was approximately {$1000.00} per month, XXXX, No other documents, no application were required and it was mentioned that the loan would never be paid off in my dads lifetime. Which was true, however, when BBT and were informed in the acquired knowledge above they failed to respond and to date have stopped acknowledging my correspondence. On a monthly basis the loan and interest far exceeded the amount of monies bought into the household on a regular basis. There is no clear explanation of loan and what is covered under the loan. Further, the lender has denied me any reasonable explanation in the loan/process/ restitution and present status of the loan. In addition, I am asking the loan be totally forgiven and restitution be made to POA since it was predatory in nature. 
It appears that BBT preyed on senior citizens and failed to follow the regulatory rules as set forth as a lending institution/mortgage. They are clearly predatory lenders. 
The desired resolution is to have BBT forgive the loan in its entirity and restitution for years of unfair preducial, and predatory practices. The income was approximately {$1000.00} net and the loan including monthly interest is {$370.00} times XXXX each month payment is the same or close to the interest amount monthly. How can that be.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
On XXXX XXXX my wife XXXX XXXX contacted Quickin Loans in an effort to obtain a mortgage for a {$40000.00} investment property. She spoke with XXXX XXXXXXXXXXXX. She informed him that we needed a pre approval letter and mortgage for a {$40000.00} HUD property that we planed to use for investment property. 

XXXX XXXX obtained my social security number from my wife and place a hard credit inquiry on my credit profile. He never spoke to me or obtained my permission to do so. 
I received a notification from my XXXX XXXX account that the inquiry was made by XXXX XXXX. 
XXXX XXXX got back to my cell phone number and stated that Quickin did not do loans for the amount we were requesting. 
Upon being told this I sent a text message to XXXX XXXX stating that he should have told my wife this from the beginning of her speaking with him and that he certainly should not have pulled the hard inquiry knowing that his company would not do this loan. 
He did not respond to my text message. 
Today I contacted Quickin Loans and spoke with XXXX XXXX ( XXXX ) of the consumer affairs department and shared concern and request for the removal of this hard inquiry. XXXX XXXX stated that he would have to conduct an investigation and would get back to me by Wednesday of next week. XXXX XXXX made me feel as though my wife and i were being investigated. This was unacceptable to me. His loan officers should operate with integrity and not hucksterism. I am asking that this inquiry be removed immediately and an apology be made on behalf of this incident. 

I can be reached by cell XXXX or email : XXXXXXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: NM

Complaint narrative:
I believe we have reached a mediation settlement with the mortgage company. I am enclosing the documents. I had XXXX a job loss and I am recently employed, my older son and I are making the payments to escrow. I am attaching a document since I could not attach it to the other case. Case number : XXXX. We need the cooperation of the seller and the trust company, Sunwest trust, the bank has agreed to let me and my family assume the loan. We have made the payments and lived and repaired and insured the home. Please refer to the attached document.

Company response to consumer: Closed with explanation