vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I received an ARM Letter from Nationstar Mortgage stating the following " Under the terms of your Adjustable Rate Mortgage ( ARM ), you had a XXXX month period during which your interest rate stayed the same. That period ends on XX/XX/XXXX, so on that date your interest rate may change. After that, your interest rate and monthly payment may change every XXXX month ( s ) for the life of your loan. '' This letter also states the current interest rate is 3.625 % and the current monthly payment is {$960.00}. According to the Truth In Lending Statement I have the next interest rate adjustment is n't until XX/XX/XXXX. Further more my most recent monthly statements state that my interest rate is 6.375 % and my monthly payment is {$1100.00}. Even though the past due notice that I received on XX/XX/XXXX states my payment is {$980.00}. To add to the confusion the difference between the amount owed on my XXXX statement and my XXXX statement is {$1000.00} even though the payment is state as {$1100.00} on both statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Original mortgage was in XXXX for 30 years. Refinanced in XXXX for 4.5 % 15 years and according to that " Truth in Lending Disclosure Statement '' schedule as of mortgage payments # XXXX # XXXX my PMI was to be {$0.00} and that was suppose to happen somewhere around XXXX. I have been trying to get PMI removed and have requested several times ... in writing.. to have it removed. I think twice to Nationstar who is the current mortgage holder. It 's been transferred several times over the years. Horrible customer service at Nationstar. They have given me XXXX, if not more, different answers as to why they wo n't remove it. NONE of which i can find are valid reasons when i hold a legal document truth in lending statement that states it is to be {$0.00} and when! I have already sent all paperwork copies and request to them again by certified/return receipt and they signed, yet NO ONE has contacted me regarding this. It is free and clear money to them ; it is mine, and i want it refunded back from when it was to be {$0.00} XXXX XXXX ) and taken off future payments. They have copies of all they need including tax assessments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
They say I owe XXXX. I do n't They credit my account wrong.They put my payments in my escrow AND DIDNT CREDIT TO MY PRINCIPAL.i PAID RECENTLY TOTAL 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 2016-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Loancare transferred my loan servicing to XXXX XXXX XXXX in XXXX, 2016 and sent me a letter to that effect XXXX XXXX. I made my XXXX payment on XXXX XXXX and can prove it was mailed that date. Now Loancare says my XXXX payment was not received until XXXX XXXX, which made me plus XXXX and I can not now get a refinance.Under the Real Estate Settlement Procedutes Act 12 USC 2601-2617 they can not penalize me for a " late '' payment for 60 days after the loan servicing is transferred. They will do nothing to correct their error.

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 2016-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
I have been attempting to get a loan modification with this company for months. I finally get the paperwork to sign to modify my loan. They set up an appointment with a notary and the paperwork is signed and sent in. I called the following week and the person assigned to my loan said they did not get the paperwork. Then he said he found them and it would take a while to get them processed. I checked online a few weeks later and my account said that the loan modification was denied. I was never notified by the company that the modification was denied. When I called they said the paperwork was signed incorrectly, even though it was signed exactly like it was listed on the forms. They never called to say the forms were not signed correctly. I called twice to get new paperwork. When I received it, I called to set up the notary appointment again and to make a payment. The appointment is scheduled. When I asked why a previous payment was not showing on the account, I was told that they will not post the payments because if they post the payments then they ca n't foreclose on the property. I asked why they are working foreclosure when we are in the modification process. The response was because the paperwork was not signed correctly. I have been doing everything possible to get this modification completed, but it seems like there is one obstacle after another and they do not communicate with me about issues that I am totally unaware of. Today I received a letter from an attorney that my house is in foreclosure. Is this even legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My mortgage company made payment arrangements with me but XXXX days later said they would n't take payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I am protesting and feel I am not responsible for advertising with YP simply because the fine print on an original contract stated I must cancel business with them prior to the anniversary date of original contract. I have no way of remembering anniversary dates on such transactions and the original sales person did not alert me to that stipulation in the contract years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Received my payoff quote from my lender, Nationstar Mortgage. There is an unusually high " other fee '' amount for {$1700.00}. Called Nationstar, talked with a rep. They said my account was tagged with a " referral fee '' back on XXXX XXXX, 2013. I asked what this " referral fee '' was for. They have no information for me. But it is on my payoff quote. Now, they are sending my request of disclosure to their research department and will get back to me in 7 business days with the details of this " referral fee ''. 
I am 5 weeks into my refi and this throws the breaks on it. This fee can not be rolled into my new loan and I will have to pay it in full at closing and prove that I have the money to do so with bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I submitted a clients packet twice, the third party authorization was sent over three times via the fax number ( s ) provided by the customer service representatives. The last customer service representative XXXX, informed me to resend all of the documents to ANOTHER fax number. The number XXXX gave me was a completely different number the number the other XXXX XXXX XXXX gave me. XXXX was asked several times if I could speak to the XXXX, or given the managers phone number or email XXXX refused. XXXX finally said this is n't the " place '' you emailed those documents to, let me transfer you. '' I was then transferred back to the Receptionist who transferred me to XXXX who informed me his manager XXXX XXXX was not available. I explained to XXXX that I had forwarded the RMA to them three times. A clients personal information was sent via FAX three times and was transmitted to someone, and I was not going to send that CONFIDENTIAL INFORMATION again until I spoke with a supervisor. I then asked why are the CSR 's NOT giving out the same fax number? He said he does not know, he then placed me on a brief XXXX minute hold and told me to MAIL a complaint to Nation star Mtg. LLC and rattled off their physical mailing address. I then asked XXXX XXXX # XXXX to transfer me to the Loss Mitigation Department, he then informed me, '' Although you faxed a loss mitigation packet over as well as a third party authorization, you FAXED IT TOGETHER and the loss mitigation department will NOT acknowledge it/ upload the third party authorization because it was not suppose to be sent to them. '' XXXX was asked to repeat him self. He did just that ... I was instructed to resend both do then asked XXXX to see if some one in loss mitigation was available, ( this call began at XXXX XXXX, as I type I am still on hold, it is XXXX XXXX. ) I was then transferred to a XXXX rep, who gave me another number to fax the third party authorization. Told me she could not help me any further and hung up on me. I then called the client and she was informed by the lender Rep XXXX XXXX that she had not received a submission/RMA from XXXX XXXX XXXX XXXX PA and to resubmit another packet. Attached is proof of transmittal as well as proof of another RMA submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
I have a loan through Seterus Mortgage Company. We are getting ready to sell our house. I called them up to get a payoff amount sent to our title agency. The first person I talked to said they would send the fax now. I thought that meant that they would send the fax now. When I talked to my title agency later in the day they said they had not received the fax. I called Seterus back and it was then that they informed me that they would not be able to send the fax for at least XXXX3 business days and possibly up to 10 days at the latest! So now our closing will have to be delayed for an uncertain amount of days until they can get the fax done. To me, this is the definition of the word ineptitude and irresponsiblity. I was told I could n't get a rush on the payment info unless I got a court order to make that happen. Their inability to clearly state that they would need XXXX3 days to make this happen also shows a lack of coherent communication skills, something this industry needs desperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I filed a complaint reference # XXXX. I received a response that the inquiry was satisfied in 2008. Not SATISFIED!! I was not offered any documents supporting the evidence of this TRANSACTION. I have the ORIGINAL CD in my possession. I have contacted the representative XXXX XXXX directly at ( XXXX ) XXXX. I have received no response. I contacted BB & T before the initial complaint was filed in person at my local bank, then by phone at the XXXX office with NO RESPONSE at ALL. The documents supporting this TRANSACTION I would LIKE to have sent to me VIA emal and mail ASAP. I am attaching THE REAL AND ORIGINAL COPY OF THE CD that I am seeking for my funds due 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 2015-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
Regarding the handling of homeowners insurance related to a mortgage loan held by now Nationstar Mortgage that was transferred from XXXX Mortgage in XXXX 2015. 
Previously we have n't been escrowing for homeowners insurance and then independently Nationstar did not update the mortgagee clause nor set this up as non escrowed account then tried to first force place insurance and then not post a payment due to the escrow shortage. Even with showing proof of insurance they are now trying to force me to escrow even though i have this set up to pay with our insurance company causing me to stay on hold for over an hour to correct their errors. Still not convinced they are going to handle this correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Summary of DisputeNationstar Mortgage reported me XXXX days late for my XXXX XXXX payment. I disputed this with them for roughly a year, back and forth, including multiple complaints to the CFPB, XXXX, Congress, and the TX state Attorney General 's office. Ultimately, I received a written letter promising they would remove the negative mark. I verified they did this in XXXX of XXXX ; however, they began reporting XXXX XXXX being XXXX days late again starting in XX/XX/XXXX/XX/XX/XXXX. I requested they fix their error and forwarded them their letter indicating they would remove the mark. They instead sent me a different letter stating they would no longer correct it. 

Necessary ResolutionBased on the letter I received, they have stated in writing they would reverse the negative mark, I am requesting the XXXX day late payment from XXXX XXXX be stricken from my credit history. I have provided the letter they sent me promising to correct the negative mark as additional evidence for my dispute and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
Dear Sir or Madam : The reason for me writing is to request your assistance in helping with my loan modification ; but am also in the middle of a foreclosure file by Nationstar Mortgage and request transparency to prevent any dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan modification process. 

On XX/XX/2016, I have submitted the form XXXX, Hardship Affidavit ; and Dodd-Frank Certification to my dedicated loan Specialist XXXX XXXX XXXX who is working on my file. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, 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 2016-05-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Universal Account Servicing, LLC
State: MA

Complaint narrative:
I believe this company is operating a loan scam that involved bank fraud and wire fraud among other issues. I kindly submitted a Privacy Act request giving them the opportunity to document how their business is legitimate but they failed to respond. They have worked with XXXX XXXX XXXX XXXX, XXXX where they create a fictitious debt obligation. However, there is no validation that any funds of value were actually loaned out to create any debt. They have XXXX other companies as well known as Universal Account Servicing , LLC and the Universal XXXX. These XXXX with XXXX XXXX XXXX XXXX, XXXX in some form or another have all tried to collect on the same alleged debt. How can XXXX or more entities be the legal CREDITOR to the exact same date? When questioned they back off quickly thus demonstrating their lack of legal legitimacy. They have violated perhaps several dozen laws, codes, and statutes not to mention not having the proper licensing to create loans like a bank and be a broker and dealer of securities. If they do n't resolve this I have no choice but to reach out to the United States Attorney.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
The loan is the XXXX mortgage/equity line of credit on a home that is currently under contract and ready to close with short sale approval from the XXXX. We have had an approval from the XXXX mortgage XXXX times that has expired due to the XXXX mortgage delaying the process. The XXXX lender has continually stalled, made unusual requests, and changed the contact person we must deal with XXXX separate times making us start the process over each time. The current person we are supposed to work with will not give us an email address and insists the only way to talk with him is by phone, which further delays every aspect of communication since we almost always go to voicemail. The approval from the XXXX in XXXX was stalled by the XXXX asking for another appraisal that had to be paid for upfront by the seller and it took more than two weeks to get an appraiser to the home. We found out later the appraiser was told the appraisal was for a loan refinance and not for what it really was. The XXXX mortgage representative told me that this was all a formality to pressure the first mortgage to give the max they were allowed of {$6000.00} due to it being a XXXX XXXX loan. The XXXX mortgage confirmed this and then offered {$6000.00} as a max amount, but then the XXXX mortgage decided we had to get another appraisal to satisfy their policies. The Seller, the Buyer, the Escrow company, and the XXXX mortgage are all ready to close this loan immediately, however the XXXX mortgage appears to be purposely making it difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Dear Sir/Madam, My loan was transferred by XXXX XXXX XXXX, XXXX to Nationstar Mortgage LLC on XXXX XXXX, XXXX Since this loan was transferred, I have had several issues with Nationstar Mortgage regarding the status of the loan. This issue has not been corrected by either XXXX XXXX XXXX or Nationstar Mortgage. 
Nationstar claimed that I have not paid my XXXX XXXX mortgage, therefore, I was one month behind before the loan was transferred on XXXX XXXX, XXXX. 
All my attempts to proof to Nationstar that my payments were up to date with XXXX before the transfer was unsuccessful. Therefore, I am now been threatened by Nationstar with foreclosure. 
Since the burden of proof falls on me to show that I have paid up to date before the loan was transferred on XXXX XXXX, XXXX, I have then gathered and sent all information to Nationstar Mortgage to prove that all my payments were made to XXXX XXXX Servicing to date before the transfer of the loan. 
To date, Nationstar has not been resolve these discrepancies with XXXX, thereby charging me late fees and also threatening me with foreclosure of my home that I have owned for over 10 years. 
I have paid my mortgage on time to Nationstar since the loan was transferred by XXXX since XXXX XXXX, XXXX. I have all proof that I paid to date and no outstanding balance with XXXX before the transfer. 
I have submitted all these proofs to both mortgage companies, however, I am still receiving late payment notice from Nationstar Mortgage as of XXXX XXXX, XXXX. 
Any attempts to help resolve this situation with both mortgage companies will really be appreciated. 
If you need any further information or face to face meeting, please feel free to contact me. 
Thank you for your consideration with this situation. 
Awaiting your response to this matter very soon. 
Sincerely, Homeowner

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My ARM mortgage was transferred from XXXX XXXX XXXX to Nationstar Mortgage 3 years ago. 
Initially it was very difficult to establish an online account. 
Since the account was created I have been asked to change the password several times. 
And every time the password has changed the amount of emails that I received and advertisement by mail regarding refinance has increased tremendously. They have also accessed my facebook account with such nonsense. 
Nationstar 's recent demand to sign up in the account is to provide my social security number, which I refuse. 
They have all my information on file, there is no need for this request. 
Therefore I have not access my online account for the past two months, sending my payments by mail. 
My request is for Nationstar 1. To stop the harrassment 2. Demands of social security number is illegal and should be stopped 3. The monthly statement is incomplete ; it does not contain the length of the loan term

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge.

Company response to consumer: Closed with explanation