vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been working on my current loan modification for 3 years now with no resolution. This is my 3rd attempt at a loan mod. Some years back I completed a loan mod on my own. After the trial payments were completed and additional payments made the loan docs were never re-done to reflect the new loan terms. I was forced to stop payments due to the lack of new docs showing my new loan moving forward. A second loan mod package was completed again on my own. At the end of this process with a week or two left to close, my loan was sold to a different servicer. I was in shock. I started a new loan mod package with them. At t the end of this process they approved me again, however, my payment was going up more than {$1500.00} a month? At this point I was told take the deal or you will be forclosed on. Granite, my income had gone back up but I stated my income fluctuates and it will be tough to maintain that payment. They did n't care and pressured me into that mod or be foreclosed that month. A CLEAR VIOLATION OF FRANK DODD. Of course, after 12 months of payments I could not manage the payment anymore. Now after 3 years with representation, I still have no resolution. In fact, XXXX 5 months ago I challenged them on their valuation of of my property and them trying to deny my loan mod. I 'm a real estate appraiser and rebutted and destroyed their appraiser and valuation. To my surprise that entire loan package was lost/deleted or who knows and I was asked to submit a new complete package. This brings you up to date. Of, course they want me to submit more docs as I write to you today. Lastly, they have put my house in the foreclosure process again as I am still in negotiations. My lawyer asked why they did this and he was told because they can. Again, forclosure notices taped to my front door, mailings to the house, phone calls from people that want to buy my house. My kids harassed on the phone. The XXXX is now unbearable. I 'm not sure they even have a clear title on my property. This servicer has VIOLATED Frank Dodd by pressuring me etc. 
I 'm claiming reverse RED LINING due to my home being located in an affluent predominantly white neighborhood. And for the same reason just mentioned above, I claim I 'm being discriminated against. Please 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 2015-10-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have suffered severe hardships that have led to me falling behind on my mortgage. My hardship began when my ex-husband basically abandoned me and my son XX/XX/XXXX-this led to our divorce in XX/XX/XXXX. My ex-husband was the main income earner for my family and after he was fired from his job of almost 10 years we started to have problems with paying bills. When the divorce was finalized I was awarded this home and spousal and child support. Due to him losing his job that support stopped for me and my son, making the mortgage payment unaffordable for me. I receive XXXX for some debilitating conditions and in XX/XX/XXXX I was diagnosed with XXXX. The diagnosis as debilitating as it is, has not stopped me from doing what I needed to do to keep my home. I wanted to keep my son in his familiar neighborhood, that has proven to be a challenge for me. I have been appliying for mortgage relief with Nationstar for years now. I have income to prove, I can afford a mortgage payment but have experienced nothing but difficulty in the review of my options. I was even foreclosed on back in XXXX of this year, another error by Nationstar, that was corrected via them rescinding that sale. I was told they would work with me on a HAFA short sale, I desperately need relocation assistance to move my young son and my mother that is now in XXXX. I listed my home as instructed by Nationstar with an agent that presented an offer to them for consideration, this was all before any new sale date was set on my home. Nationstar working against me set a sale date on my home and are now using that sale date against me, refusing to proceed with reviewing everything I have given them. It is painful to come to terms with having to let go, now I must also face being forcefully removed from my home of almost 15years! I have worked tirelessly with this company, I am not trying to delay anything

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I received an odd e-mail from Nationstar Mortgage on XXXX claiming that my mortgage had been transferred. This is the first notice that I have received about this issue. I refinanced with XXXX two years ago and my loan is now with XXXX, they have proved to be a disorganized mess. I have not received any information from XXXX about the transfer and I have not received the package that Nationstar claims to have mailed to me. I responded to the e-mail the same day stating that I would not change my monthly payments until notified by XXXX. Nationstar has not responded. I had a similar issue the first year of my mortgage ( XXXX ) with XXXX different lenders claiming to own my mortgage. I had not received anything from XXXX. Unlike XXXX, they answer their customer calls very quickly and they verified by phone and e-mail that the information was a fraud attempt to get customers to redirect their payments. I have been on the phone trying to reach XXXX joke of a customer service since receiving the e-mail and hung up several times after being on hold for 20+ minutes without anyone picking up the call. I have already processed the payment for the XXXX payment to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My husband and I have a home with Nationstar Mortgage. We filed our Homestead Exemption with our XXXX county tax office here in XXXX XXXX, Tx. they owe us refund checks from our escrow account for the years of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We have called them multiple times and still have n't gotten any answers. They owe us about {$10000.00} if not more for our over paid taxes. My husband has a XXXX with the XXXX XXXX. They are not following the rules for our veterans with the tax exemptions. We filed form XXXX and form XXXX. None of our veteran friends have this problem with their homes and mortgage companies. I keep all our paperwork from Nationstar Mortgage and they still pretend like they do n't owe us an money. I will still seek out help until these issues are taken care of. also i will start to record all conversations with all representatives from now on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
This issue has dragged out over the last 8 months. I have been trying to apply for a Home Loan modification from NationStar Mortgage. I have come under several financial set backs in the 2015 year and wanted to request that I get assistance with my loan. I have applied for several Home Loan Modifications and Appeals with NationStar Mortgage Company, but all were denied. I have had poor customer service from NationStar, and I have requested several times to have a different Loan Specialist assigned to me for the one that was appointed to me would never answer her phone or return my emails. She would call me back at minimum a week later and at that time would explain that I still need to upload more documents for my modification. It was not clear on what documents that I needed and I was referred to the website that would tell me what I need. I have tried contacting her manager in regards to this matter to request someone that would better assist me with my process, but each time I am redirected to her. I have given all the pertinent documents that they have requested online. I received a letter from NationStar stating that I make enough money and was denied any kind of modification assistance. At this time, I have yet to speak with anyone that can offer me any real help and I am not able to speak with anyone that is actually performing the hardship loan. I have tried calling my Loan Specialist every time and she insists that I still have documents that need uploaded. After I upload the documents, I am told to wait and call back a week later to see what they have decided. The loan documents are expiring because I am waiting on NationStar to give me an answer. When I call, I am directed to the customer service center, which has no record of the modification assistance and I am needing to explain again as to why I am calling and why I am requesting assistance with my home loan. I get calls at least 2 to 3 times a week asking when I am going to bring my loan current when all the while I am waiting to hear something from their company. Their one offer to help was for me to pay an amount a month that I am unable to make and there was no other alternative extended. I want the harassment to stop and I would like to move forward with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: AL

Complaint narrative:
I opened an account thru my work place and the agent on site stated that there would be no monthly fee because of who I worked for. After a month or so, after reviewing my statements, I was being charged a monthly fee. Also, I overdrew the account and was charged numerous bank fees which cause the account to go more into the negative and the bank closed out both my accounts.The fees were ridiculous and I made certain that I spke with the on-site representative about charges as such before I opened the account. What the representative told me and what actually happened what XXXX totally different things. I went to local bank to explain and the agent in the bank was very nasty and negative with her responses. She kept making the statement, " You People '' which was very degrading and she did absolutely nothing to assist me with the account. She gave me a phone number and told me to call " once I left their bank and make '' and she was sure that they would make " some kind of Arrangements '' for me to pay what I owed. SHe never acknowledged the fact that the agent that was onsite at my work lied. She never offered to go over the balance with me to explain how my account resulted in such a negative balance, and she spoke to me as if I did not even belong in their bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
My complaint is with : Select Portfolio Servicing XXXX Inc. ( aka SPS ). I have attempted, over the last 4 years, to get a " Loan Modification '' with this servicing company. I first started this process with XXXX Bank on XXXX XXXX. It was as though, once I had been approved for a loan modification, the loan got sold off to a different investor and I had to start the process all over again! I am 4 years behind in this mortgage. This property is in XXXX XXXX and is " Under Water ''. There have been XXXX written apprasals on this property over the past 2 years, ordered by SPS. The range has been between {$75000.00} and {$92000.00}. I asked for a principle loan reduction. I was lead to believe that they would consider it once I made XXXX payments of {$930.00}. I made these XXXX payments on time from XXXX XXXX thru XXXX XXXX. The loan modification was approved with no principle reduction and all of the accruded principle, interest and fees were wrapped up in the new loan with a modist reduction in the interest rate and monthly payment. This home is not my primary residence. It is a rental property. SPS has a program for rental properties. Due to the extended amount of time and personal expense that I have gone through over the last 4 years, I am in need of that principle reduction. I feel as though I have been wronged and manipulated by this servicer. Please see what you can do to help me with this situation. Thank-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 2015-05-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
the problen is to my companyXXXXThe number on the card is XXXX this is with BB & T bank. A year ago they charged me XXXX for an overdraft and it should n't have happened but they withdrew a maintenance fee from my account which caused the amount to be lower. I do n't think this is fair they do it when they see you do n't have money. Previously before I made a payment out of the account I checked the balance to make sure I had enough. For my surprise I had overdrawn the account XXXX because of the maintenance fee that was withdrawn for {$15.00}. When I talked to the branch manager they returned the {$15.00} which put me in the positive. They still charged the overdraft fee. A year later I got a call from a debt collector that is charging me now {$60.00}. What is the government doing to regulate these institutions? In the past a bank XXXX took my property, along with the judges of the court. Now this bank is charging me this amount or they are going to report it to my credit. What is the government doing to stop these institutions from stealing money from consumers? This bank BB & T is proceeding in an irregular way, I ca n't communicate with them. The branch people do n't know what they are doing. I called the manager and they state they are going to return my call but they do n't. What phone number can I call to communicate with them? 



XXXX This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? Cont 'd attempts collect debt not owed : Debt was paid

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
On XXXX XXXX 2016, Nationstar Mortgage called my husbands work, which is a public phone line that anyone can answer. It was an automated system, therefore when whomever answered the recording just went on to give out our personal information, such as name and the mortgage company calling and the reason for the call. My husband called me and asked if we had made our payment, I said yes, I sent it in the mail the previous week. I called Nationstar to see why they had not contacted my personal cell phone instead of calling my husbands job. They apologized and said it would not happen again. Thirty minutes later my husband called and said they had called again. I called the mortgage company again and they seemed unconcerned and the supervisor had a smart attitude about the situation. This was very embarrassing and harassing especially when we are not and have never been past due!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
The collection called a family member on there job and gave full disclosure regarding an alleged debt. This family member was not my spouse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Our loan was scheduled to be closed on Friday, XX/XX/XXXX at XXXX. This has been the date for the entire loan application process. Today ( Tues XX/XX/XXXX ) our realtor received a call from our lender 's closing department informing her that the Settlement and closing documents are being sent out today to review online, and " due to new guidelines '' and citing a holiday tomorrow XX/XX/XXXX the closing now has to be postponed until Monday XX/XX/XXXX. This is not necessarily a complaint against my lender. This is a XXXX customer who now has to re-schedule moving company, allow the seller an extra 3 days of lease after the delayed closing date due to the fact that they have to close on this house prior to closing on their new house, all because of these " Know before you owe '' guidelines that " will not cause any delays ''. In the real world, they do cause very costly delays. There needs to be a way that mortgage applicants can choose to waive these new guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Green Trust Cash, LLC
State: PA

Complaint narrative:
I received a payday loan several years ago and continuously receive harassing and abuse emails from a 3rd party debt collector - to my personal email address. The emails are abusive, continuous, and seem to become worse. I receive abusive emails -approximately one email every 8 days. Via these emails, I have been harassed consistently, called irresponsible, and also called childish. I have received a total of 62 harassing emails since XXXX 2015. I have saved all emails from this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
About 2013 I had lost my house because it was unable to sell. The loan amount was alot more than i could actually get for it. The house went into foreclosure. The house sold on XX/XX/XXXX for XXXX. The XXXX mortgage with a balance of XXXX was never taken care of. between XX/XX/XXXX and XX/XX/XXXX i have tried to communicate with them about this matter, they would say ok we will note that the house has been sold and yes it should of been taken care of but in the years it has still been on my credit report saying late/ non payment. I called them again today and i was on the phone for 1 hour and 5 mins. transferred to XXXX departments and no one could help me. At the end they told me that i have dedicated specialist and gave me her number and said it was now marked as a " Charge Off. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I have an ARM with Nationstar. My anniversary date is in XXXX. My XXXX statement ( i.e. for the payment due XXXX XXXX ) shows my current interest rate indicating that 's the rate through XX/XX/XXXX. The XXXX statement came showing the SAME interest rate with a NEW date of XX/XX/XXXX ; at which point I assumed my rate would remain the same for another year and decided not to pursue a refinance. Then for the XXXX statement ( which I received in the mail on XXXX XXXX ) it shows an interest rate .25 % higher through XX/XX/XXXX. So in XXXX consecutive months they gave me conflicting information, and effectually notified me of a rate increase just 17 days before the new rate would be taking effect. I received no other notices by mail, by e-mail or in the message section of my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I am am making payments on a weekly basis but yet they call from various numbers several times a day even after I make a payment when promised. Regional acceptance auto is the company

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 2015-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
It is apparent to me and my family now that Nationstar mortgage will never investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I have been a customer of BB & T bank now for about 4 months and from inception, it has been a nightmare. I believe their fee processing borders on the unethical. Recently I was in a situation were BB & T charged me {$250.00} in fees for a returned item and overdraft situation. Because their systems are so inadequate, I received {$140.00} in unnecessary fees that I flat out refuse to pay. That said, I do accept responsibility for {$100.00} in fees ( XXXX returned item fees and an overdraft fee ). The worst part is that customer service has been almost antagonistic in dealing with me, and totally unhelpful. I have already moved on to a new bank and am willing to walk away completely from my current negative balance of {$450.00}. But to avoid a negative reporting on my credit and elsewhere, I would like to settle my current {$450.00} negative balance for {$310.00} and close my accounts. The difference being the previously mentioned {$140.00} in unethical fees.

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