vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
My mortgage was recently transferred to Nationstar Mortgage. I received an email stating a welcome packet with my loan details would arrive soon. After my mortgage due date came and went I had to call them for a welcome packet. It arrived 10 days after my due date. Around that time I received multiple calls each day from them. I returned the call and they explained it was an attempt to collect the first payment with them. Two days later after more phone calls I attempt to make my payment with check by phone. The first attempt was met with our offices are closed and being disconnected. The second attempt was better but was told it would cost me money to make my payment. I agreed and while entering my account information I heard the same message about them being closed with a disconnect. I do not want to do an auto draft on my account and prefer paper checks or check by phone. If the system wont accept payment even after I agree to pay a fee then it makes a simple process difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I had an FHA mortgage with XXXX for {$55000.00}, under FHA case number XXXX. Property Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I believe my original lender transferred the loan. XXXX XXXX XXXX XXXX XXXX XXXX, as trustee for the Certificate holders of the XXXX, XXXX, Reperforming Loan Remic Trust Certificatesm, Series XXXX sued me to foreclose on my loan. The bank took a judgment against me for foreclosure. However, I never was served with a summons and complaint in this case. A special process server said that he served my son, however ; my son does not live with me at the home and has never received a complaint and summons. My attorney tried to vacate the foreclosure judgment, however, the court would not allow him to vacate the judgment, stating that it did not matter if he lived with me, because he was related to me, that means that the sheriff could serve him. The court also took the word of the process server, over mine. Needless to say, I was not able to present a defense on my behalf and they purchased my home for about {$15000.00} at the Sheriff 's Sale. As an FHA beneficiary, the bank was required to send out notice to me prior to foreclosure. They were required to offer me options ( like a forbearance, a modification, and other resources in order to help me save my home. ) The bank failed to work with me. In fact I even tried to negotiate with them before and after the sale of my home, but they have ignored me. They are not following the FHA rules 24 C.F.R. 203.604, 203.501, 203.605, 203.606. It appears that all they want to do is go to HUD and collect on the mortgage insurance without talking to me. This is not how it is supposed to work. My husband and I are pastors at the XXXX XXXX XXXX XXXX in XXXX, which is located a few blocks from the property. Please help us. We are still in our home at this point and do not want to be evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I 'd like to request assistance with a problem I 'm having with XXXX, an employee in the XXXX at NationStar Mortgage. A few weeks ago, I contacted my first lienholder, NationStar Mortgage, asking for a loan modification. I specifically asked for a reduction in the interest rate from XXXX % to XXXX %. I also told them I had excellent credit and that my payments are current, as they already knew. They started the loan modification process by asking for an application and multiple supporting documents, all of which I provided. NationStar notified me I had to resubmit the XXXX, which I resubmitted. NationStar had pre-filled in some of the data on the form and it was incorrect, so I had to correct it and resubmit it. Then, last week XXXX XXXX who was assigned as the point of contact for my loan modification called me and said I had to submit the IRS for XXXX for a third time, but she was n't sure why or what was wrong with it. An argument began after she told me loan modifications are only for people who are behind on their payments. In other words, what she was telling me was that I do n't meet the requirements for a loan modification, but she still wanted me to resubmit the IRS XXXX in order to go thru the motions of a loan modification application despite knowing it would be denied. A day or XXXX after this exchange, I logged into the NationStar Mortgage website, but was unable to access the message center where I intended to complain about this phone conversation with XXXX. I 'd previously sent messages, but after that conversation I suddenly could n't access the messaging function. I still ca n't access it today, XX/XX/XXXX. So, today XXXX, I called NationStar Customer Service at XXXX, but the phone system automatically routed me to XXXX voicemail, multiple times. I can not speak to a NationStar customer service representative because my phone number is being automatically re-routed to XXXX voicemail. I called back blocking my number, and it still went to XXXXs voicemail. I 'm not even calling XXXX number, I 'm calling the main NationStar customer service number. NationStar is servicing my mortgage, but I ca n't talk to customer service because my number is being automatically re-routed to XXXX voicemail. She also did n't respond to an email I replied to asking why she still needed that IRS form for the third time if I do n't even qualify for a loan modification. This is mind-boggling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We have been working with our mortgage lender, Select Portfolio Servicing Inc. XXXX SPS XXXX, to get a loan modification since XXXX of 2014, unfortunately we have been denied twice. Since I was laid off of work in XXXX of last year, we applied to Keep your Home California ( KYHC ), only to find out that we did not qualify because they stated that SPS told them that we were approved for their Unemployment Assistant Program. I called SPS and they assure us that we where approved for the unemployment program, and to wait for " the letter '', this was back in XXXX of this year. Since then I have called every week and spoken to multiple representatives who have contradicted themselves over this issue. We lost assistance from KYHC because SPS claimed we were approved, then we were told that we were not approved that it was still pending, one of the supervisors said that in the computer notes it showed that we were told that we were approved without confirmation by the loan resolution department, when I asked to talk to that department, they said that they do not talk to clients directly. Last time I called a supervisor told me that he would escalate our case and we should have a definite answer by this Friday, that someone from the resolution department would contact us. I am soooo upset because we lost 2 months of assistance from either of the programs.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar is not applying my XXXX payment to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
We have been dealing with SPS now for 2 years. We financed a mortgage with XXXX XXXX back in XXXX. There was fraudulent documents used in the closing and was proven to be by banking commission then XXXX bought them and could care less about the fraud than XXXX purchased the loan which they have given to SPS. We have tried numerous times to work this out with every mortgage company switching hands. I did my own appraisal sent it to XXXX and SPS. We have people coming not stop and even at night to leave SPS pamphlets on our door knob and to take picture of our house on our property. SPS has hired a lawyer contacting us trying to foreclose on us even though we were never served papers. I have a minor in the house and the last person that came we called the police and filed a report. Who are these people? How can they try and pursue any thing when SPS does n't own our mortgage and XXXX and SPS does not respond to any letter asking them for a list of questions and concerns concerning our mortgage. Also SPS would not reveal who they were if they were servicing the loan, debt collectors or bought the mortgage from XXXX. All request to XXXX and SPS are sent certified and signature return so I can prove we are doing our part. We have undeniable proof the there was illegal and fraudulent practice involved in making this loan and Banking commission confirmed it in their investigation. I am tired of the threats and living in fear with one of these people coming to the house with my son in the home. There are so many complaints with SPS. They should be held accountable for their actions along with any bank using them. This has been going on with XXXX since XX/XX/XXXX. Thank you for any help and God Bless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I am nationstar mortgage I am making my payments on time every month I try to pay something extra on principal I looked at my payment history I saw that $ was n't there I called them they said the $ is in suspense account that I have no history on account or in payment history no discloser at all no contact at all if I did n't check my history and that happened if I did n't I will lose all my hard earn $ behind it this is not fair. Unfair of this company to treat me this way and I do n't know how many more

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I FILEED FOR MORTAGE MODIFICATION WITH XXXX IN XX/XX/XXXX. XXXX CONTINOUSLY DENIED MODIFICATION BASED ON MY NAME. AT FIRST THEY SAID I WITHDRAW APPLICATION WHICH WAS NOT TRUE. AFTER ALMOST A YEAR THE MODIFICATION WAS APPROVED IN XX/XX/XXXX. XXXX SOLD THE MORTAGE TO ANOTHER COMPANY CALLED NATIONSTAR WHO IS NOW SAYING THE MORTAGE IS BEHINED XXXX AS PER INFORMATION FROM XXXX. XXXX IS SAYING BECAUSE THEY DECIDED TO APPROVE MODIFICATION FROM INTIAL DATE. NATIONSTAR IS NOW SAYING THAT THEY WO N'T ACCEPT MY MORTAGE PAYMENTS BECAUSE OF THE XXXX ACCOUNT IS NOT CURRENT. I REALLY NEED HELP I JUST AM GETTTING BACK TO WORK AFTER HAVING XXXX AND THIS IS STRESSING ME OUT BECAUSE NOBODY CAN SEEM TO HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage / Quicken Loans gave me a Loan Estimate on XXXX XXXX which caused me to select them over other lenders and initiate my loan with them. On XXXX XXXX, 10 days into a 30 day close, so too late to start with a new lender, they dramatically raised the rate and origination charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I transferred {$2000.00} to my HSA account on XXXX/XXXX/16. It was removed by BB & T on XXXX/XXXX/16. I went to the bank XXXX/XXXX/16 & was promised that the money would be credited to my checking account. On XXXX/XXXX/16, it was not credited to any account.

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 2016-04-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been trying to come to a resolution for loan XXXX since it was transferred to Select Portfolio Servicing from XXXX XXXX XXXX XXXX XXXX. It is now XXXX XXXX and I still can not come to a resolution with my servicer. My main complaints are ignored each and every time. I have sent several Qualified Written Requests and Letters of Explanation to Select Portfolio regarding the following disputes and the responses are vague. The servicer has a trustee sale date scheduled for XXXX XXXX, XXXX and they are not legally bind to foreclose. 
Disputes : 1. I was approved by Keeping Home California / Hardest Hits Funds for the Principal Reduction Program that Select Portfolio participates in. The agency has sent several notices to Select and all have been ignored. I have stated this approval in all written documents to my servicer and all attempts to get an answer is ignored. 
2. I am repeatedly told by my servicer that the investor on my loan ( XXXX XXXX XXXX ) will not approve loan modifications on the account. The servicer advised that the loan is owned by XXXX XXXX XXXX XXXX. I checked the trust and my loan is not shown in the list of loans and loan amounts. After further research, I find my home loan in the XXXX XXXX XXXX XXXX with a completely different investor shown. I provide this proof to my servicer in written document and all attempts have been ignored. 
3. I have not been offered alternative programs to avoid foreclosure. 
4. Single point of contacts at the servicer has been changed practically every month. XXXX representatives on file, XXXX XXXX and XXXX XXXX have tried to talk me into allowing the servicer to foreclose on the property. My last phone conversation with XXXX XXXX resulted in her offering me a cash payout. 
5. The current mortgage loan is not the same loan before it was sold to my servicer. The servicer advised that the loan was modified but the modification was canceled by my previous servicer. Select Portfolio will not recognization nor assist with a resolution on this matter. 
The due diligence on my file has not been done and I am outraged that my numerous requests have not been correctly answered. I am seeking assistance from OCC to have the upcoming sale date of XXXX XXXX, XXXX to be halted and an investigation done on my account. I received a Notice of Rescission of Declaration of Default and Election to Sell from XXXX XXXX XXXX XXXX XXXX, XXXX stating that the loan is indeed questionable and wrongful foreclosure was attempted. I have tried to get Select Portfolio Servicing to assist me with this research but all attempts by mail, fax, and email have been ignored. I have every intention of keeping my home. Your assistance with this matter is greatly 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 2016-01-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: IA

Complaint narrative:
I bank with BB & T. Recently they have overdraft my account when the funds are there. This has occurred on several occasions in the past few months and the trend is that this happens overnight when I have a paycheck pending electronic deposit. While in some cases I may not have the funds to cover all charges BB & T tends to push all charges through immediately. At other times pending charges may take days to process. The example below shows what I mean. I spoke with a representative at BB & T about the overdraft charges and I was told their system accounts for all charges pending or otherwise. So BB & T can make money off customers regardless of circumstances and that funds like a pending paycheck that will cover all charges is not counted. Mind you that they consider pending charges against the ledger but not pending paychecks. 

Pending transaction date XXXX/XXXX/XXXX Debit XXXX XXXX # XXXX {$87.00} Pending transaction date XXXX/XXXX/XXXX Debit XXXX XXXX XXXX XXXX XXXX DE # XXXX {$360.00} Pending transaction date XXXX/XXXX/XXXX Credit XXXX - XXXX XXXX, XXXX XXXX {$2000.00} XXXX/XXXX/XXXX Debit OVERDRAFT FEE {$72.00} {$260.00} XXXX/XXXX/XXXX POS XXXX 'S XXXX # XXXX XXXX XXXX XXXX XXXX IA XXXX BB & T CHECK CARD PURCHASE {$11.00} XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX BB & T CHECK CARD PURCHASE-P {$26.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY

Complaint narrative:
Select Portfolio Servicing continues to provide fraudulent information to the credit reporting agencies in regard to my Acct. # XXXX .... They refuse to take this negative information off of my credit reports even though I have told them it is totally wrong. They bought then sold my mortgage from XXXX XXXX XXXX during the financial crisis and later sold it back to them. During that process, all my records were lost and they report that I was delinquent in my mortgage. I now have a clean mortage with XXXX 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 2016-10-07 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Select Portfolio Servicing , inc, employee XXXX XXXX has threatened to seize Property at XXXX XXXX XXXX, XXXX, PA XXXX without cause. This company has also failed to validate any debt owed on the property. I XXXX XXXX, President of XXXX XXXX settled Debt and Civil claim of the Property with the original servicer XXXX, terms settled under the Mines and Minerals Act.

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 2016-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: KY

Complaint narrative:
See attached files. BB & T granted immediate online approval of a 3rd party check for deposit into our personal account via BB & T online banking app ( where they admit technical flaws ). My wife was victim of an articulate online job scam. BB & T approved the check immediately and my wife XXXX XXXX XXXX XXXX took {$870.00} cash out next day to deposit in 3rd party account with XXXX XXXX Bank ( who has now frozen that fraudulent account and funds ). 3 days later ... BB & T notified us our account was drastically overdrawn b/c the check was a scam ( they told us 3 days later! ) and are now trying to hold us responsible for the bad XXXX XXXX check that should have been verified/checked by BB & T immediately. They still have not returned our missing {$190.00} from my account and are trying to hold my family responsible for the negative balance of - {$780.00}. I 've requested details and meetings with BB & T fraud and VP to no avail. Contact XXXX XXXX or XXXX XXXX at XXXX.

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 2016-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I applied for a loan with Quicken loans about a month ago. I let them know at that time that I had given up a property recently because I could n't afford to keep it any more. So they knew it went through foreclosure which would negate the type of loan that I wanted. So I was told that I had to pay XXXX for an appraisal before the deal went any further. A few days after that I was turned down because of the foreclosure which they knew about before I went ahead with the appraisal and now they are refusing to return my money or to send me a copy of the appraisal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
BB & T is using 365 days this year to calculate their interest on my HELOC ( interest only ) loan with them. I believe 366 days should be used in the calculation. The use of 365 increases the actual interest rate charged above the actual interest rate agreed to and advertised. I contacted BB & T about this and have not received a response.

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 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
loan modification I just received on Friday XXXX XXXX a summons and a unlawful retainer. There was no information from the bank regarding property of sale nor approval or denial of a loan modification. The bank did not reply to my request for a complete audit of the loan account. Also if the property was sold why wasnt I notified prior.

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