vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
OK we purchased our home in 2007 here in XXXX Oklahoma, he put down ex amount of dollars then financed for 30 years, they had us on a variable interest rate instead of a fixed rate like we wanted. We started getting harassed by the loan company about our payments etc. they never have had our balances right yet, no matter what we did the company would claim that we were behind on payment being deceptive then if we send large amounts of money then we would go back too normal payments. There was times we sent thousands of dollars or even hundreds. Then we would still get XXXX over and never get the same amount due each month. We have never had the same amount due each month so therefore we could not budget our self cause the loan company was so crooked. They would claim that we could send a fax for a renew of lower interest then they would claim that they never got the packet. We then were sold too XXXX and they did the same thing but worse, then it went too XXXX XXXX XXXX. We have been taken advantage of greatly, no matter what we do or what limb we go out on they pretend too play the same ol game. I feel that we are owed a refund of damages and stress related issues they have put upon us. Then they send a threating letter too do legal actions on the house were does this dishonesty stop? Then we have SPS whom sent a threating letter saying we better pay XXXX dollars plus attorney fees, now this law firm is not in the crooked scam too deceit us. All the money has went too interest ever since 2007 and none applied too principle. I even had id theft years ago and the sheriff here did nothing about it, now I have trouble with interest and loans that I get cheated out of. I wish for a settlement and these scams stop.!!!! I can not afford an attorney If I did Id like too sue the them for punitive damages and stress related problems we have had not too mention phone harassment for wrong balances etc. We have changed our home phone several times and XXXX XXXX XXXX must be selling or providing our home unlisted no. where is the legal issue here?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Original debt was not submitted to insurance company therefore I was billed. I have since reached out to the collection company to get information on how to settle this matter. Can not get necessary account information to pay this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
In 2006 my husband and I got scam in the sub prime loan scam the mortgage then was held by XXXX XXXX at the time I have been in this fight since 2006 trying to save my home, my husband was a veteran who bought this home as a fixer upper with his Gi loan he is now decease. They say that my home is up side down I have cased in all of my retirement fund trying to save my home the mortgage was at one point {$3000.00} dollars a month. I have been in this fight since 2006 Iam now with Sps servicing since last year it 's seems like they are not trying to help me get a modification me and my daughter and son have sent in every documents that has been required to be sent to them they come back to say that they do n't have all the information I have faxed I have sent it overnight that cost me money that I do n't always have Iam XXXX years old all the money that I ever had in my life is in my home. Iam now living on XXXX income I have worked XXXX jobs all my life me and my husband. All Iam asking for help and to be in the modification programs the mortgage is to. High. to keep and save my home. Thank any help would be appreciated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
The home owner had medical issues and moved to XXXX. Her daughter and family stayed in the home and were responsible for paying all expenses. The son in law lost his job of 15 years and daughter lost her business due to the recession of the economy. They had tried to get assistance, however they tripled the attorney fees and they were unable to bring the mortgage current. They applied XXXX times for loan modification which they were told they lost and did n't get the paperwork. The home owner decided to put the home on the market which did not get any offers due to the marketing and pricing. I worked with the home owner for over a year and we finally dropped the price significantly and got a written offer which was submitted on XXXX XXXX, 2015 along with updating and complete all tasks in XXXX. I was told through an email on XXXX XXXX that they denied the short sale. NO EXPLANATION. I called the lender today since they were closed for the holiday and was told they did not have enough time to review the offer and will not stay the foreclosure date until they offer is reviewed. They did not even offer the home owner the option for Deed In Lieu or assistance to the tenants to relocate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
good faith estimate changed 3 times and interest changed right before closing. My funds to close went from XXXX-XXXX then to finally close with the total needed XXXX need to know why on a low money down loan with 6 % seller assist I needed that much money to close and why I did not get credit for the appraisal I paid for when I was told that I would. I feel that Quicken loans overcharged me by XXXX and changed my interest rate from 3.85 to 4.125 when they claimed the lock in had expired. This loan was a nightmare to close and almost cost me the sale of my mobile home and the purchase of this house in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I paid off a LOC balance with BB & T XX/XX/2016. However, the bank made a serious error in calculating the correct payoff and did not close the LOC account as instructed. That triggered a series of issues with my checking account ; additional interest ; late fees ; harassing phone calls from various BB & T employees ; NSF fees ; and countless hours on my part to clear up the issue including writing a formal complaint to Chairman and CEO XXXX XXXX. BB & T admitted the errors in writing ( XXXX XXXX Complaint Resolution Group -XX/XX/2016 ). They also assured me in writing there would be no derogatory marks submitted to the credit agencies. Last week, I noticed my XXXX score went from XXXX to XXXX with the only credit factor being BB & T reporting a negative Payment History XX/XX/2016 on my LOC that was supposed to be closed! When I contacted BB & T 's complaint resolution group they admitted -in writing -that the initial resolution was not done properly and XXXX quote XXXX " ... we failed to update coding on our system to state the XX/XX/2016 bill was satisfied and to close the loan. '' They admitted to submitting a bad file to XXXX and then said it would take up to 60 days to correct my credit score. I asked them to escalate the resolution with XXXX and this was their response : " I spoke to our Credit Dispute department who is submitting the request to XXXX as bank error today. Again, as we have no control over when XXXX will do their processing, I recommend you contact them beginning tomorrow. XXXX can be reached at XXXX. '' They made XXXX significant mistakes ( XX/XX/XXXX and XX/XX/XXXX ) and then said I had to get personally involved to resolve the problem with the credit bureau that their company created. This is horrible customer service and a totally unacceptable response from my perspective. BB & T 's errors and lack of adequate Quality Assurance/Quality Control ( QA/QC ) processes to prevent such errors has caused severe personal harm to me since I 'm currently looking for a new home and plan to apply for a mortgage. I would expect a senior level XXXX at BB & T would work directly with XXXX ( and any other credit agency who might receive the bad file ) to resolve the error faster than 60 days. My complaint : BB & T has damaged my credit score ; admitted they made numerous mistakes ; and then told me it 's my problem -- not theirs. Their errors and mistakes have placed me in a position where I will need to stop my search for a new home because of a low credit score. That is simply wrong.

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 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX XXXX, 2016 Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX DC XXXX Dear XXXX XXXX ; RE : SPS ACCOUNT : XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX Fax : ( XXXX ) XXXX XXXX : ADDITIONAL CLARITY XXXX I contacted SPS today and requested to speak to XXXX XXXX XXXX. 
Another employee intercepted the call and would not put my request forward. 
She informed me that my XXXX application was incomplete. I informed that that was impossible since I was approved for a short sell months ago. In fact, I was calling in order to up date SPS on the short sell activity. 

After waiting 19 minutes XXXX XXXX XXXX came on the phone. She as well spoke in a disjointed manner is haste before viewing and assessing the situation. She stated the previous employee is correct you need to provide more information. Information for what I said, I completed the XXXX application months go. She relied you need to provide more information on the short sale. 

The previous contact said nothing about the short sale nor did XXXX until I brought it into the conversation.. The continuity of picking up from the previous communication and rude arrogance of the phone contacts is deplorable. 

Please intervene and help. 


Sincerely, XXXX 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 2016-05-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
BB & T has been charging me excessive overdraft fees since I opened my account. Recently, I had XXXX item overdraft from XXXX for {$75.00}, and I was charged XXXX consecutive overdraft fees the day of and XXXX additional overdraft fee they next day. When I called to ask why and for the extra fees removed, they gave me some ambiguous explanation and banking jargon as to why they charged it. I had money for all my other pending transactions, but they structured it in a way to charge me maximum overdrafts. I am very upset, and this is not the first time they have done this to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I have tried for 4 times to request a loan modification with XXXX XXXX XXXX, XXXX XXXX and 2 times with Select Portfolio Servicing and have been unsuccessful since 2009. I 've tried to resolve this matter and I beg for you for a fresh start and a mortgage payment that is affordable so we can continue to live the american dream to own your own home. I feel that the Mortgage companies have discouraged me to continue to fight to resolve this matter and have been difficult to deal with because no resolution has ever become of the 4 attempts of my loan modification. I am now at my wits end and do n't know what else to do to save my house. Please help me to resolve this issue with a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: BB&T CORPORATION
State: NC

Complaint narrative:
On XXXX XXXX, 2016 I enlisted the help of XXXX XXXX XXXX to help me get out of debt. I have a loan with BB & T that was at the time {$2300.00}. The proposal was that BB & T drop my interest rate to 5 % and my payments to be {$50.00} a month. Since XX/XX/XXXX, BB & T has taken my payments claimed numerous times that they have never gotten the proposal. I 've also been charged late fees and finance charges even though they 've been paid in full and on time. I 've been trying for months now to get BB & T to work with me, but all they will tell my third party company is that they are n't receiving any notification from either party which is absurd. According to my third party company, my loan amount should reflect {$2200.00}. It does not. With all the charges the loan is {$2200.00}. I rather BB & T reject my offer than play dumb and claim no one has heard anything about the issue. Since XX/XX/XXXX I 've been charge a {$10.00} late fee 3 times and a finance charge of {$32.00}, {$37.00}, {$32.00}, {$34.00}, and {$36.00}. How can they expect me to pay off my loan if I keep being wrongfully charged and ignored? I 'm paying them and yet they want to send me to collections, wo n't stop calling me daily to the point I 've had to block the number. Meanwhile my credit score is plummeting.

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 2015-10-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I AM TRYING TO COMPLETE A SHORT SALE TRANSACTION IN ORDER TO AVOID FORECLOSURE. MY SERVICER, NATIONSTAR, HAS A WELL KNOWN REPUTATION FOR CREATING OBSTACLES IN THE SHORT SALE PROCESS. THEY REQUIRE BUYERS TO PLACE OFFERS ON A WEBSITE KNOWN AS XXXX OR XXXX. I HAVE A BUYER WHO PRESENTED ME A BONA FIDE OFFER PRIOR TO THE AUCTION DATE AND I ACCEPTED THE OFFER. NATIONSTAR MADE THE UNLAWFUL DEMAND THAT MY BUYER PLACE THE SAME OFFER ON XXXX OF THE AFOREMENTIONED WEBSITES AND PAY AN ADDITIONAL 5 % PREMIUM - INCREASING THE ACCEPTED PURCHASE PRICE BY 5 %. PRIOR TO THE AUCTION ON XXXX XXXX, 2015, NATIONSTAR INFORMED MY REAL ESTATE AGENT THAT " THE FILE IS BEING REFERRED TO XXXX... '' A FEW DAYS LATER NATIONSTAR ANNOUNCED " THIS FILE IS NOT WITH XXXX... THEY ARE IN THE PROCESS OF GETTING THE PROPERTY READY FOR THEIR SITE. '' NATIONSTAR CREATED DELAYS AND OBSTACLES WITH THIS BACK AND FORTH. FURTHERMORE, ON XXXX XXXX, 2015 NATIONSTAR INFORMED MY REAL ESTATE AGENT THAT THE BUYER THAT THE AGENT MARKETED AND FOUND WAS THE WINNING BUYER OR BIDDER. A FEW DAYS LATER THEY CHANGED THEIR MINDS. PLEASE SEE ATTACHED COPIES OF EMAILS TO DOCUMENT THE CLOWN-LIKE BEHAVIOR AT NATIONSTAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I owned property in XXXX, XXXX ( I live in XXXX ) that was declared it in my bankruptcy discharged XX/XX/XXXX. The property was not officially foreclosed and sold until XX/XX/XXXX to The New York Bank Of Mellon. The only way I found out this information was when I tried to purchase property XX/XX/XXXX and the underwriter found my name on the property. They informed me that I would not be able to get a loan until 3 years after the foreclosure " sold date ''. I waited the 3 years ( XX/XX/XXXX ) and now am told the attorney ( acting as title company ) never deeded the property to The Bank of New York Mellon, and it still was in my name up until XX/XX/XXXX. I am currently trying to purchase property and the mortgage professionals are stating that the date they use for the 3 year starting date is now XX/XX/XXXX XXXX the date the title was taken out of my name ) NOT the foreclosure sale date of XX/XX/XXXX as originally stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I Contacted Champion Mortgage to make payment arrangements on {$5300.00} and was informed this amount needed to be paid in full. I had been sending Champion {$240.00} for back taxes .I am unable to pay the full amount being requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I came to XXXX to see my options for getting my mortgage payment decreased. They recommended Quicken Loans. I submitted my info through XXXX XXXX for Quicken Loans. After a few phone calls of no QL ca n't help you and then 1 yes, QL can help, I decided to listen to my options. I was told if I refinance my mortgage my mortgage insurance would not be included, my rate would go up, but the monthly payment would decrease ( because of the MIP ). I was told this several times by this same associate. At closing he assured me within a 6month time frame the mortgage insurance premium would fall off and I would see even more drop in my monthly payment. A year later I 'm fighting with QL because of what I was told. They are not holding up to what I was told. The calls are being recorded for " quality and training purposes '', however when I wrote a formal letter to their corporate office, I was told none of the calls could be found. They told me what I signed for ( saying my FHA loan has to have MIP for 30 yrs or until I refinance ), and told me I could refinance to have the MIP removed. I advised QL this is exactly what I was told when I switched from my previous lender to quicken loans. I DO NOT recommend quicken loans, their employees get paid to say whatever they need, to meet some kinda quota. QL are not XXXX or XXXX XXXX so no gov't agencies will assist with complaints or anything. I now have a higher interest rate and pay the same amount I paid with past lender. I lost my job, needed help with smaller payment and QL is doing nothing. I have n't missed a payment, I just wish I could find another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
We are victims of dual tracking while in-review. 
Submitted a completed package, in letter dated XXXX XXXX from BB & T and received XX/XX/XXXX by mail, BB & T asked for updated financials and an additional piece of information - a letter of income contribution from wife of income shown in bank statements in package to be submitted in XXXX days. On XX/XX/XXXX BB & T sent a motion to the court asking to schedule a foreclosure sale. See a copy of the court docket showing a motion sent to the judge asking to schedule a sales date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
I am requesting a qualifying review of my mortgage as I am confused by the calculations surrounding my mortgage which was in XX/XX/XXXX modified by my lender under the HAMP modification program. Recently home was appraised and surprisingly is significantly under water with the mortgage. Subsequently no lender will accept my loan and so I can not get loan refinanced. Please request a qualifying review of my mortgage and provide a complete response as to all fees, interest and how they were applied. After paying loan since XX/XX/XXXX when loan was originated and for over XXXX years on time since my modification, I still seem to owe more than what the original loan was for {$430000.00}. Prior to my modification my loan was only XXXX months behind and was payed on time except for the XXXX months I was? behind the fees assessed then made my loan even more behind forcing the bank to file foreclosure on property .I have since managed to make all payments but now I am stuck cant sell the home or refinance the home due to my loan being severly under water even after paying over {$200000.00} since modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Servicer working on short sale is using fraudulent evaluations. 
When dispute is forwarded with clear and convincing support for lower values, they fail to cooperate. 
This property is facing foreclosure and they will wind up taking the property back at a foreclosure sale. 
They have not communicated with us and have failed to cooperate in an honest and sincere way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I received a call in XX/XX/XXXX from my mortgage company, claiming I did n't make a payment, however I was able to show proof that the payment was made and an investigation within the bank was initiated. Over the weekend I received another call claiming that my mortgage payment for XX/XX/XXXX was past due, and had to explain that an investigation was already underway. From what the representative told me on the phone, she shows that all payments have been received, and not sure why there is an issue, and that my " late '' payments are now impacting my credit score.

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