vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
We filed a complaint last year with you about our mortgage company Nationstar Mortgage LLC, reference ( Case number : XXXX ). It appeared that the problem was finally fixed in the " resolution letter '' that we received on XXXX. However our statement that came on XXXX, after we had made XXXX payments toward escrow had gone up. The correct escrow balance should have shown - {$2400.00}, but the balance on the XXXX statement was - {$4000.00}!?!?!?! We are not sure how, after making payments to fix the negative escrow balance, that the amount jumped up so high. We have been on the phone and emailing constantly with Nationstar to try and get this issue fixed with no luck. We never talk to the same person twice and were told by XXXX different people that our account would go back into research to be fixed, to find out they never submitted anything. The 3rd time we tried to get it back into research the request was finally submitted, but the number the research department came back with was still way to high???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
While using Quicken Loans to finance a second home I feel the terms of the loan were not fully disclosed to us. While at the title company closing on the loan we discovered we had not actually put down 20 % as we had wanted. Also Quicken gave us a loan with Lender Paid Mortgage Insurance without our knowledge. Due to a number of factors we did sign the paperwork for the mortgage. Quicken has admitted to us they did not disclose to the LPMI and say they will refund the bulk cost of it. However I am of the opinion our interest rate suffered due to the fact that we did not actually put 20 % down and had LPMI. We had the funds and wanted to put down 20 %, therefore I 'm not willing to pay a higher interest rate compounded over the life of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
I filed a complaint against XXXX XXXX for attempting to collect charges made on my charge account that were fraudulent. XXXX XXXX sent me a letter notifying me the account was re opened and was going to be investigated. Friday I received a letter from XXXX XXXX stating I closed my claim against them and I have agreed to pay the bill. This is not true. I called the number listed on the letter and stated to XXXX that I did not authorize this action. I filled out the paperwork denying the action and faxed it to the number provided. Today I received a letter from a debt collection agency on behalf of XXXX XXXX / XXXX XXXX and last Thursday I was contacted by a debt collection company trying to collect this debt. 
We are not finished with my open claim. I did not make the charges. We have an open investigation. I am waiting for resolution of this issue. It seems XXXX is railroading me to pay this debt. 
In closing, this claim has not been retracted and XXXX XXXX did not perform their due diligence. This matter was not looked into, the case was opened and nothing else was accomplished on their end. While under investigation this debt is on hold. I do not NOT make the charges not EVER open this 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 2016-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My name is XXXX. I am a veteran and the lawyer from VA recommended this website to me to file complaint. Currently I am facing a foreclosure issue with my mortgage company. I used to have my mortgage with XXXX XXXX XXXX, and I never had any problem with them at all. However, since they sold my loan to Nationstar Mortgage LLC, the nightmare began. My due date is XXXX of each month, they kept calling for payments in the beginning of every month. When I told them that I have made my payment already, they would just hung up on me. I have always paid my mortgage before due date, but they just posted the transition after my due date to charged late fee. For that reason, I needed to make my payment a week before due date to avoid late charge. Started last year, they added a liability insurance to my mortgage. I own a condo, and the insurance is included in my HOA payment. So I called and sent them copy of my insurance with all the details few times, and they said they will look into my account. In the meantime, I kept paying my original payments on time. Three months ago, I tried to make my regular payment online as usual, but their website wo n't let me to pay. Then I called them again and tried to solve the problem, they told me I have to pay the insurance that they added plus late charge and interest with money order. I have been called and discussed with them this few months. However, they just sent me a letter this week, and tried to push my home into foreclosure. 
If you check their customer review on XXXX, you will see they have been doing this to a lot of their customers. Unfortunately, I am one of them now. Can you please look into this issue and let me know how could I solve this problem.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I have had two calls from your company regarding a XXXX co-pay from XXXX XXXX Hospital, which confirmed last year that my balance was XXXX. I requested your people to check back with XXXX XXXX ... because I do not owe the {$25.00} and they asked for my address. I do n't give out my address to inbound callers and do n't you have it? If these are legitimate debts you should!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: MA

Complaint narrative:
I resigned from a position I had with a XXXX back on XXXX XXXX, 2015. I had a XXXX account with instructions that stated within 60 days of departure, I was to receive the money direct deposited to a bank account. The positions were sold on XXXX/XXXX/15 and the cash proceeds transferred out on XXXX/XXXX/15. I called my former employer to ask when these proceeds would be direct deposited and was told they would be sent XXXX/XXXX/15 and available XXXX/XXXX/15. I checked my account on XXXX/XXXX/15 and there was no deposit. I spoke with the bank today and they said the deposit would not be made until XXXX/XXXX/15. I received no phone call or correspondence informing me of this change nor an explanation, not to mention the fact that it exceeds the legally stipulated 60 day window. 

I am in need of this money in order to pay taxes, bills, and to provide for my family. I need a resolution immediately as this is unacceptable use of a former employers money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: ID

Complaint narrative:
My home in XXXX Idaho is scheduled for a trustee 's sale on XXXX XXXX, 2015. Theloan is predatory and it has been sold XXXX times, even though I have submitted all thenecessary documents for a modification multiple times. I can prove suitable income andcheating on the part of the lenders. I have a law firm representing me vs. Nationstar. XXXX XXXX 
XXXX XXXX of XXXX XXXX stated that Nationstar agreed to cancel the sale, but to date, Nationstar has not agreed to that in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with my social security number. This debt is not mine. I have enclosed proof of my identity. 
In accordance with the fair Debt Collection Practices Act, I Am asking you to stop proceeding against me and stop communicating with me about this debt, except as the fair credit Reporting Act allows. I also ask that you notify the Aurora mortgage loan agency and tell the debt is in result of identity theft. 
XXXX XXXXXXXXXXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I have never been late on making a mortgage payment and have never partially made a payment. I have a great credit score and always pay my bills on time. On XXXX XXXX, 2016. I received an email from Quicken Loans telling me that they did an updated escrow analysis and that my monthly mortgage payment will be increasing. I called Quicken to find out what the new payment was and Quicken was now asking me to pay {$7000.00} starting XXXX XXXX, 2016. However, my prior payments were only {$3800.00}. Quicken notified me that I have a deficit in my escrow account of {$22000.00} and that they want a payment of {$7000.00} for 12 months and that once the 12 months are up, My payment will be {$5100.00}. There is no way that I can make these increased payments when they happened so abruptly. It is not my fault that there is such a large deficit in the escrow account because I made my payments in full every month. Now I am blind sided with this situation and will end up losing my home. It is not fair that they are just able to increase my payment so drastically. I did not cause this situation. Quicken loans should have accurately calculated the mortgage payment prior to there being a deficit of {$22000.00}. There is no way that anyone could comfortably make this type of payment so abruptly and suddenly. I have no way of paying off this amount and now I am faced with being homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I am in a loan modification through my mortgage company. 
When i started the loan modification, they told me I have to make my payments on time for 12 months and if I fall behind, they can foreclose. 
The loan modification took effect XXXX XXXX, 2015. 
Soon after, I started receiving notification that I was behind on my mortgage. 
I have made my mortgage payment each month like I am supposed to. 
I have called each month and each month they assure me it will be taken care of. 
Then approximately two weeks ago I received a phone call and the representative told me I was behind, I tried to explain to him that it is a book keeping error on their part, but he told me I was wrong and that I was 30 days past due. 
I have researched my payment history on their website and told them what they did is dishonest, but they wo n't fix it. 
They have no interest in fixing the problem, they want to foreclose. 
This is what they did : They took one of my mortgage payments and split it. They applied a large sum to the escrow account and put the remaining amount in a " suspense '' account. 
When I call in and say I want to make my mortgage payment and the representative processes it for me, how can they take my mortgage payment and split it up like that? 
My bank statement shows I have made all my payments, but they took my mortgage payment and applied it to things I did not approve. And where is the money in the so called " suspense '' account? I wrote to you months ago with another issue and explained then, that this is how Nationstar operates. They want to foreclose on our home and are pulling every trick in the book to accomplish their goal. I have contacted an attorney and he said we could join the class action, but it would n't happen quickly enough to save my home, but I could be compensated later. While I intend to pursue that, it does not prevent foreclosure on the home that my children have grown up in. Their growth charts are etched in the doorways, their names carved into the trees, their little footprints in the concrete, all the memories, everything will be lost. This company is disgusting. They are criminals. They are bullies. What is it going to take to stop them?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: AR Resources, Inc.
State: VA

Complaint narrative:
Called my place of business as first attempt to collect debt and was rude to the admin personnel, when asked for a reference to the call, he would not respond, just simply repeated my name over and over. After calling my place of business, he immediately called my mother in law, who is going through XXXX with my father in law. She was startled and worried as he was rude to her saying I had to call right away. She was upset and became worried about our financial situation. She is not involved in our finances and as most we did not want her to be involved in our medical bills. I never received any phone calls nor did my husband and we are the obvious numbers that would be first to call if there was an emergency. The collection agent, XXXX XXXX with AR Resources Inc. chose to call my place of business and violate First amendment 18 Pa.C.S. 2709. Harassment. by communicating without stating why he was calling, even when I returned his call. Everyone at my work now thinks I have financial problems as well as my mother in law. His agency has only had my account a few days. Imagine the damage XXXX XXXX would have caused had I not called another agent and paid my account in full today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
I am currently in bankruptcy. Yesterday, I received notification from XXXX XXXX that my mortgage company paid my annual homeowners premium. This is unusual as I have been paying my own premiums for years and have documentation to verify this. When I contacted Nationstar, they said it was part of my loan modification, a modification I have made or authorized which is verified by talking to the Bankruptcy dept. I ca n't get anywhere with getting the escrow removed. I have been approached by my mortgage company twice for a loan modification. On review by my bankruptcy attorney, I was advised not to do a loan modification as the terms Nationstar offered were not in my best interest. However, now they show I have agreed to a loan modification and they created an escrow account which now has accrued to XXXX that they say I owe, despite no written record of a loan modification. I never agreed to a modification and that amount is the difference between what I have been paying and the amount the modification would have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I attempted to purchase a XX/XX/XXXX XXXX from XXXX of XXXX in XXXX, TX. I completed the underwriting process on XX/XX/XXXX at a different XXXX dealership ( XXXX ) but was unable to complete the transaction as there was not a vehicle at the dealership that I was interested in purchasing. I was able to locate a vehicle at the XXXX location on XX/XX/2016. I was told that it was mandatory that I purchase a XXXX warranty contract with the vehicle by the dealership, however, I was told by the underwriting department for XXXX at XXXX that all warranties are optional. I recited the information to the dealership XXXX and was told that it was not an option and that the service contract would have to be signed adding an additional {$1900.00} to the amount financed over the 4 year term of the loan. On XX/XX/2016, I returned to the dealership and further reiterated that I had been told that the service contract was optional and was told " That 's just the way XXXX does it. It 's not optional for your " type '' of loan ''. When presented with the paperwork for the vehicle, I was presented the service contract. To the left of the signature line, there is a " Notice to Customer '' with at bullet point under it that states : " The purchase of this service contract is not required to obtain financing or to purchase or lease this vehicle. '' By XXXX on XX/XX/2016 the dealership and I were at an impasse because I was being told in essence that if I wanted to purchase a car from them, I would have to purchase the warranty and they would not take it out of the contract regardless of that the document states in writing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We applied for a loan modification. After years we were denied. We have appealed the decision and submitted an entirely new package and we are currently under review for a loan modification. We live in the State of California and are protected under the Homeowner Bill of Rights from dual tracking. The HBOR restrictions on dual tracking foreclosure and loan mods prohibits mortgage servicers from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. In spite of this they have no placed in in foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
Nationstar is charging me bogus fees for no reason, I 'm not late, completely current and paying extra every month on my loan and since XX/XX/2016 they 've charged me a ttl of {$90.00}. They are SUCH a horrible company, they can not tell me what the fees are for, they should n't be allowed to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: KY

Complaint narrative:
During the course of my mortgage, there have been several occasions where I have fallen behind on my payments. Each of these times, the mortgage company offers to assist with the problem BUT they have repeatedly tacked on charges in the amount of {$5000.00} or more saying it is legal fees incurred by them for starting the foreclosure process? My mortgage has gone from the original {$90000.00} up to around {$150000.00}. How can they do this? I have been amiss in doing anything about this because I have felt like I was at their mercy and because I HAD TO HAVE a home to live in. Can you help in any way?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
i have a 1st and 2nd mortgage on my home. I am trying to refy my 1st only to change it from an adjustable to a fix rate, nothing more not trying to get any money or anything out of it. they have sent a subordination to the 2nd as they are supposed to do to let them know what going on. I started this process in XXXX of 2016, I signed a paper and sent a letter stating what I was doing, they wanted a real signature so I got them a real signature then they wanted my address on the form so I did this then they wanted all this on another form so this was done. my 1st mortgage sent them all the paperwork and we have been waiting for months now to hear back from them they keep saying it is in review, meanwhile I keep getting extentions for a price lock on my first they have put several of these on and they do n't know how many more they will be able to use since they are limited. my mortgage is supposed to be going up in XXXX which is next week that why I had started this process well ahead of time my mortgage company said that this usually only takes a couple of weeks so why is it the 2nd has taken a few months which it should only take a week or so. I am at a loss here and am trying to get this all take care of I have talked to them but they are in no way any help at all they said they just received it on the XXXX, but when I spoke they admitted it was early XXXX. they said it takes 5 days then another 30 days the first cant wait that much longer and the 2nd said this is if it is approved why would n't they approve it nothing is going to change for them. I do n't know if you guys help out in this situation or it just a place to make a complaint, but if you can get them to expedite this it would be extremely helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage Company failed to turn over all funds paid on my account by me to XXXX when Nationstar sold my account causing a shortage in my loan. I have included the XXXX Payment history, which demonstrates that when it received the loan I was 2 months behind. I modified my loan with Nationstar Mortgage in XXXX 2010. My payments commenced in XXXX of 2010. I am providing you my payment history which shows regular payments being made since XXXX 2010. I am providing you the documents showing modification and new payments due on XXXX 2010. 
The missing funds should be sent to XXXX immediately so that my account is brought current and principal and interest properly applied

Company response to consumer: Closed with explanation