vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I am with Nationstar mortgage and with in the last year my mortgage payment has changed and XXXX. Every time I have called I have been put on hold for over an hour and I have been given a different excuses. I have yet to understand why my escrow has never been correct or why my rate has been XXXX. I am always on time with my mortgage and have always paid extra but now it is to the point I do n't know what my monthly payment is each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I got a loan modification on my house and I thought the bank put the money that was owe on the end of my loan but they actually put a lean on my house. The company that the back out source my loan with went bankrupt. The bank claim that they do not know anything about lean. I want the lean removed and the debt cleared.

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 2015-09-10 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
My mortgage is being serviced by NationStar Mortgage and I keep receiving robo collection calls even after notifying them that I am under Bankruptcy protection in a Chapter XXXX case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC
State: GA

Complaint narrative:
Hello, This loan I borrowed from XXXX Cash on XXXX/XXXX/15 and first pay due on XXXX/XXXX/15. Well the charges and fees if paid on XXXX/XXXX/15 would be {$630.00} total due back. Below are all the payments I have made on the account totaling {$800.00} : Paydates and amountsAmount Borrowed - $ 500.00amount owed if paid in full by XXXX/XXXX/15 - $ XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX loan should be paid in full by now and should not still be making payments. But instead they are still stating that I owe and showing the total loan amt due back to them a little over XXXX thousand dollars. This is predatory lending at it 's best and should not be allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: NV

Complaint narrative:
Company sent me an email to XXXX telling me to contact their office for information related to a debt. I never received communication from them in the mail with information with regards to whom the original creditor is, the amount owed, and notification of my rights to dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
During the time that my mother was transferring the property to me, Nation Star broke into the house. At that time, the house was filled with personal belongings, specifically a lot of collectors items. After this break in, a lot of things were missing from the house. Nation Star ripped out wood floors, busted the ceiling open to get a safe that was hiding in the ceiling, and left the safe completely empty. 

After this happened, I called the XXXX XXXX Police Department and filed a report. When I went to the XXXX XXXX XXXX and Deed 's Office, the lady I spoke with said nothing was filed on this house that would give anyone the right to break in. She said that I needed to get an attorney. 

I called Nation Star and explained the situation. Nation Star did n't even know who owned the house and requested that I email them paperwork showing the house was in my name. After sending them the paperwork they requested, they gave me the lockbox code, were very apologetic, said they would write up a report of the break-in, and send me documentation showing that the lien was valid. Nation Star failed to provide me with the documentation I requested. They sent me a payoff quote and several emails with corrupt files that could n't be opened. They also never sent me the report of the break in. Nation Star went silent and I did n't hear back from them. I assumed this was because they realized they had broken the law by breaking into this house without following proper procedures. 

I decided to move forward with my plans to remodel the house and found a partner for the project. Then I quit claimed the house over to XXXX XXXX XXXX, a company I own, and XXXX XXXX. When my partner contacted a real estate agent, she informed us that the house was already foreclosed on and sold in a sheriff 's sale. I received no notice, no email, phone call, or letter in the mail. I checked the mail at this house at least twice a week and had a construction crew working on the house during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Recommendation : Governance and Loss Mitigation Review. Confidential Settlement Response : XXXX XXXX XX/XX/XXXX Letter Basically, I find XXXX XXXX offensive. We all understand that mortgage are securitized and the ownership of the mortgage can been transferred. I have decided to attach my resume in order that I am not insulted again. You will find it hard press to find someone more knowledgeable. I am requesting to communicate to some one more senior to XXXX XXXX in order to resolve this matter. 

XXXX XXXX implies that SPS is s " blind agent '' and simply collects for the mortgage payments for owners. It sounds like statements at the XXXX XXXX. 

First I would like for XXXX XXXX to provide support that she is in contact with the mortgage owner. 

I would like for her to explain why SPS did not direct my concerns about the property over payments to the mortgage owner. Please provide the owner of my mortgages contact information. 

A professional would have questioned why the XXXX XXXX XXXX property was being taxed on for XXXX in XX/XX/XXXX when it was purchased for {>= $1,000,000} in XX/XX/XXXX. 
Mortgage foreclosures in XX/XX/XXXX were down XXXX % from the Great Recession of XX/XX/XXXX. 
Home prices have not corrected to the peak of XX/XX/XXXX. However, SPS has increased escrow taxes each year. I am being foreclosed on due to excess taxes. 

XX/XX/XXXX I received a letter from SPS in the middle of this exchange on property taxes. The letter increases the tax escrow for XX/XX/XXXX from approximately {$25000.00} and year to {$30000.00} for XX/XX/XXXX. Why? 

This increase was executed despite the current grievance and history of questions about the excess escrow. 

SPS is requested to provide the State of Georgia Attorney General and CFPB The rationale for increasing the tax escrow when SPS appraisal consultants have reduced the property valuation. 

There is a strong implication that this problem may warrant Class Action Litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage Servicing and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX conducted fraudulent transfer ( substitution ) of unsecured debt. Illegal transfer of a deed of trust from an unsecured party. Setting a trustee sale date in an effort to force dispossession of title.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
LOAN DISCLOSURE FRAUD ~ ILLEGAL PURCHASE AND SALE OF A FRAUDULENT LOAN. 

ATTACHED IS THE HUD STATEMENT FOR XXXX, XXXX FL. IT WAS DISCLOSED WITH ESCROW ITEMS LEFT OFF, MAKING THESE ELDERLY CONSUMERS THINK THEY WERE SAVING MONEY WHEN THEY WERE ACTUALLY BEING RIPPED OFF. 

NATIONSTAR AND XXXX HAVE BOTH WENT ON THE RECORD AND STATED THAT LOAN FRAUD IS PART OF THEIR DAILY BUSINESS PLAN. THEY HIDE LOSSES USING FRAUD AND THEY ALSO COLLECT ILLEGAL FEES USING FRAUD ON PAGE 3 OF THIS STATEMENT, ESCROW DISCLOSURE, {$200.00} A MONTH WAS LEFT OFF IN THIS SECTION AND THEY NEVER CORRECTED THE FILE AS REQUIRED BY LAW. 

NATIONSTAR HAS SHOWN ZERO HONESTY AND AFTER DOZENS OF CFPB COMPLAINTS THEY REVERTED BACK TO THEIR STANDARD LIE " WE CA N'T ATTEST TO THE ACTIONS OF THE PREVIOUS SERVICER ''. 

IS IS 100 % FALSE AND 100 % MISLEADING. ALL PAPERWORK IS TRANSFERRED AND ALL SIGNATURES AND FORMS ARE IN THEIR POSSESSION. 

NATIONSTAR CONFIRMED LOAN FRAUD BUT THEY SELL HOMES THEY DO N'T OWN. WE WITNESSED FIRSTHAND AS XXXX, XXXX FLORIDA, WAS SEIZED, MARKETED AND AUCTIONED BY NATIONSTAR EVEN THOUGH THEY NEVER LEGALLY OWNED THIS PROPERTY. THEY CONTINUE TO LEAVE THIS PART OUT OF THEIR CFPB RESPONSES TO US. 

THEY STEAL HOMES, THEY DO N'T OWN THEM, THEY DO N'T CARE. THE THEFT OF XXXX IN XXXX FL IS ALL IN WRITING WITH DATES AND NAMES AND A TITLE COMPANY CLEARLY SAYING " NATIONSTAR DOES NOT AND NEVER DID OWN THIS PROPERTY THEY JUST SOLD ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I have a mortgage with Nationstar Mortgage. In the middle of XXXX, I received a bill stating that my payment would go up beginning on XXXX XXXX, 2017 by {$220.00}. On XXXX XXXX, I sent in my regular payment of about a {$1000.00}, but they refuse to deposit it on my account. They are stating that they can not deposit it because the check has been suspended until I send them the updated amount. I am on a fixed income and I live with my sister who is on social security XXXX. We can not afford to pay this type of an increase without having prior notice to prepare. 
They are now stating that my mortgage is going to be reported on my credit as late, when I paid them what I always pay on the first. I do not understand how this is ethical. According to information on the Federal Trade Commission website, it states that the servicer must give me a statement that clearly itemizes the estimated taxes, insurance premiums and other anticipated amounts to be paid over the next 12 months, and the expected dates and totals of those payments, which has not happened. 
They are now also making me work through their bankruptcy department, which I am fearful will add additional expenses to my account. Being retired on a fixed income and living with a sibling who is XXXX, it is very hard to make ends meet, much less taking on a new expense without sufficient warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
BB & T claims that I am months behind on a loan, however, they have not provided me with loan documents, proof that this account is even mine. Only generic statements which have been e-mail directly from a processor ... 

When I attempted to add this loan account to my BB & T online profile the system claims that the account does not exist and although they claim to be mailing " demand letters '' and statements to me directly, I have not received a single piece of paper mail from BB & T AT ALL since the purchase of my accounts from XXXX ... 

I have closed all other accounts and was told by the loan officer that my ENTIRE balance due was deducted from my withdrawals and that should have been an end to it ; however, they still claim to have an additional line of credit that I do not have any knowledge of, is claimed to have been opened at a branch during a time I lived in another part of the state and they can not produce a single shred of evidence that it is mine. 

If I have a line of credit, I would like to have access to it, I 'd like to have it linked to an account or profile where I can manage it and monitor it and take advantage of the product as opposed to simply send money in the mail to voices on the other end of the phone who are demanding I do so ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Partners for Payment Relief
State: CO

Complaint narrative:
I was notified that Partners for Payment Relief ( PPR ) had obtained a copy of my credit report. I have not authorized PPR to request and obtain a copy of my credit report. I have provided PPR formal notice to cease unauthorized inquiries ( made XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ) into my credit report. They failed to respond to my demand to remove the improper inquiries or provide any document that authorized them to make inquiries into my credit report. 
I contacted PPR on XXXX XXXX, XXXX and notified them the debt was discharged in Federal Bankruptcy Court ( XXXX ) and any attempts at collection ; including credit report inquiries is a violation of Fair Debt Collection Practices and Fair Credit Reporting Act ( s ). They assured me in our conversation on XXXX XXXX they would not request my credit report in the future. on XXXX XXXX, XXXX they pulled my credit report again. 
I have no legal ownership interest in the property which they are attempting to collect. 
The mortgage holders ; XXXX XXXX and XXXX Mortgage affirm they are NOT pursuing any claims against the property or discharged mortgage. In addition they avowed they have not retained or authorized PPR to obtain my credit report or act on their behalf in any attempt to collect on a debt. 
I have provided PPR documentation of the mortgage discharge in federal bankruptcy court as well as the recorded deed showing I have no ownership rights in the property. 
PPR is prohibited by federal bankruptcy law to attempt to collect on the discharged debt, is not an agent of the mortgage holders, is only permitted action against the property in which I have no ownership right and I have not authorized them to obtain my credit report. As a result they have no legal right to request and obtain a copy of my credit report and refuse to cease and request the credit bureaus where they obtained the reports remove record of the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have an FHA mortgage with SPS Servicing. I went through a trial modification and was offered a modification that was not acceptable. I have asked for alternative foreclosure prevention that they outlined in their correspondence to me. When I asked about it they said they would not work with me on any of the alternatives. They failed to follow FHA guidelines while foreclosing as they have not offered to meet with me face to face to discuss my modification or alternative foreclosure prevention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
My loan was purchased by Nationstar Mortgage at the end of 2014. Prior to my loan being sold to Nationstar, I switched my home insurance from XXXX to XXXX XXXX. 
Upon receiving my loan, Nationstar used funds from my escrow to pay XXXX instead of XXXX XXXX. 
I have called them multiple times to correct the issue. On XXXX they finally issued a payment to XXXX just in time to prevent my insurance from lapsing. Unfortunately, they did so by using more of my escrow funds. I have asked them to work with XXXX to return funds to my escrow but they have refused to do so. They promised to fix the issue and call me back but have not done so. I have called them again, after the holidays and I am told that their call center is not open. I am sick and tired of playing on the phone with them. They sent money erroneously to the wrong insurance provider, the onus is on them to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
On XXXX XXXX I received A call from the company Lending Tree they transferd my to the bank here in XXXX Michigan Quicken Loans. I spoke to a XXXX XXXX who phone number is XXXX which the area code does not match the area code here in XXXX. ( XXXX ) I am a Veteren of the United States XXXX in which i asked XXXX XXXX about their Veteran home loan products. At no time i asked him to give me a quote, all i wanted was details about the products they offer. XXXX ask for my social security number so he can view my credit history i explained i am waiting for the XXXX reporting agencies to update my report. XXXX also explained that if my score was too low his team members at Quicken Loans can assist me by speeding up the credit issue process and if i give him my social security number to view his team members would call me immediately if my score was to low. The team members never called creating an hard inquiry on my credit report. I feel this is a bias company preying on the poor I am a Veteran of the United States XXXX and i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Back in 2006 I purchased a home for {$150000.00}. XXXX lending was suppose to close me and could not at closing because my credit score dropped. I was in a panic because I gave up my apartment and have XXXX children so XXXX Mortgage which was the title company that was there for closing said they could close me. I got hit with a {$560.00} a month PMI leaving my mortgage payment to be approx. {$1900.00} a month on an income of only {$30000.00} a year. XXXX then purchased the account from XXXX and I paid on time for a year and a half and had the PMI dropped. At that point I was so far behind because of the struggle with the high mortgage payment that I applied for a Mortgage Modification. In the interim XXXX gave me a payment to pay of {$820.00} a month which included principal, escrow and a reduced interest rate. I paid this on time for close to 2 years and then my modification went through. The problem though was that they gave me a term that I had no choice to take because I could not sell the house due to property values going down below what I owed. They added {$31000.00} to the back of my loan for capitalized fees and interest. They then sold the mortgage to Nationstar. At this point I still owe the same amount that I owed when purchasing the property {$150000.00} even though the property is only worth {$110000.00}. Please assist if you can with having this {$31000.00} removed or reduced due to the beginning of the mortgage being a predatory lending case. Sincerely. XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
STRAP : XXXX BB & T violated many Federal Regulations Including TILA, Regulation Z, Dual Tracking ( as they were informed I was working on a Loss Mitigation Package with Neighborhood Home Solutions well within foreclosure deadlines, failed to send me their Loss Mitigation package within a timely fashion, exploited my lack of knowledge of the law and claimed they would " work out a solution during my first trial when my complaints should have been raised, and gave me a predatory loan as I was below the poverty line with XXXX dependents. The Civil Court could not adjudicate these claims and BB & T continued with their foreclosure auction well before any and all court motions / appearances were allowed to transpire. They also had many mistakes in documentation and transferred the property to XXXX XXXX XXXX after my last court appearance when opposing counsel told me personally, among a credible witness, that he would email me later that day with a resolution. The Plaintiff also provided the court with misleading ( bordering on fraudulent ) comments which could not be adjudicated at that time and my supporting documentation was unable to be reviewed within the 5 minute time frame the court allotted us. 
XXXX XXXX XXXX XXXX XXXX FL XXXX I have all documentation supporting my claims and am prepared to take this to a Federal Level.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
Hi my name is XXXX XXXX XXXX I am with.Sps serviceing loan I have been dealing with them for months sending in paper work trying to get into the modifiction and home save program. TO Save my home they have strong me along.. now they telling me and my daughter that they ca n't put us in the modification programs or the harp my husband is decease he was a veteran of the XXXX can any XXXX help me to save my home we do n't have a lots of money we are just the average working person we got into that supreme loan scam I have been fighting since 2006 to keep my home all my retirement money is in this home please help me. Thank you why send in. All the information and then they not help me why? My husband is a decease veteran I am his spouse.. 
Please help me and my daughter. Keep our home. Please I was at the XXXX counseling office one day a woman who has the same as me they modified hers mortgage to {$800.00} dollars a month what joy I was hoping to get the same help not so why they held me on and had me thinking they was going to help me? I 've sent in all the information that was required for the the modifiction or the harp program why? Now they say that they wo n't give me the modifiction or put me in a program that will help me save my home please help thanks.

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