vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I first applied for a loan modification over 4 years ago. I went over my financial situation on the phone and was told I was eligible but would have to go through the formal process. My nightmare began. We had fallen into financial hardship as I had been layed off and my husband was battling XXXX. I sent in all of the documents requested but was denied for lack of documentation. I applied again. This has gone on for over four years making it now almost impossible for me to qualify for a modification. I do n't believe they ever had any intention of giving me a modification ; just dragging it out until they could foreclose on my home. Every time I applied, I sent in all of the necessary documents. They would just try to come up with other documents that were needed. At XXXX point, we got hung up on my proving I was now on XXXX. Per their instructions, I took copies of front and back of my check, sent them my payment history from SS and my benefit verification letter. They told me they wanted a copy of the cancelled check. This would come from the US Treasury and I was told by them that it was impossible to send to me. I told SPS and they kept stating they needed proof I cashed the checks. I asked them " what do you think I do with them??? '' to which they had no response. They denied me, again, due to missing documentation. I 've researched this company immensely and they have so many similar complaints against them, I ca n't believe they 've been allowed to get away with it. I should also add that SPS refused to accept any mortgage payments from me once I began applying for a modification. I offered them {$50000.00} and to keep the mortgage payments where they were and I would start paying again monthly in XXXX, 2016. They refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Since XXXX XXXX XXXX sold my mortgage to Nationstar about 2 years ago in XXXX, I have been having numerous issues with making my payments and with payments being sent in before the XXXX of every month, they have put payments in escrow or in a suspense account, instead of applying the payments to the actual payment or to the principal. I have even sent in extra money to apply towards the payment and the extra monies were placed in a suspense account, and later Nationstar will charge late fees to my account upwards of {$300.00} every month, which notes as a full payment late on my account. I have also had full payments mailed back to me with no true explanation, which also started with XXXX XXXX XXXX. Also, my mortgage payment has NEVER been the same amount. Every statement I have received since dealing with this company has been a different amount. I have a fixed rate mortgage, but for some reason my bill changes monthly!!! I have called several times to settle this matter, however no one can give me an explanation other than saying that my payment is late. I have asked several customer service representatives how to get my payment to a consistent amount, however I am just told to pay what I owe, and even if I pay several hundreds of dollars over that amount, I am still reported as late, and my extra payment will be placed in the suspense account again! Even with me making my payment on time, this company has reported me late to all three-credit agencies for several months. I have no other options, as speaking with Nationstar has gotten me nowhere, and they do not seem to care. I am desperately trying to repair my credit and I have no other blemishes on my credit report, except for Nationstar who I pay ON TIME every month!!! I have every statement sent and every check that I have sent in. I have even tried to wire them the payment, which is still reported as late. I feel as if I will never be able to pay off my mortgage at this rate. My credit has taken a significant hit with this company. I have had them send me a copy of every transaction since I was sold to them and nothing seems to make sense. All I want is for this situation to be corrected. This has been stressful for my husband and I, as it has ruined our chances of obtaining other properties and getting reduced interest rates on other loans. I think a fair resolution would be for Nationstar to contact each of the credit reporting agencies and explain that we ARE NOT late on our mortgage ( they have not reported since XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
Original complaint number is XXXX submitted XX/XX/XXXX. Since my last complaint I have received most of the information that I needed including loss mitigations options. Which resulted in me now being in the second month of a three month trial modification. However there is still a least one concern that I have that I still ca n't seem to get a clear answer form Caliber Home Loans on, on or aboutXXXXXXXX I sent a " Request for Information '' letter Caliber Homes requesting Corporate Resolutions, Power of Attorney, etc.. Since then I have received a whole packet of the same information that I have received in the past. I am requesting more in debt information that includes from whom, where and when these people where given the authority to transfer the " Deed of Trust ''. XXXX name that we are concerned about is XXXX " XXXX XXXX '' ( XXXX XXXX ). This name appears on " Assignment Of Deed Of Trust '' dated XX/XX/XXXX and filed in North Carolina Register of Deeds office in the County of XXXX on XX/XX/XXXX By XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX with Caliber Home Loans Inc. ( As Attorney in Fact ). My questions to Caliber Homes is ( 1 ) Who was XXXX working for at the time and dates in question? ( 2 ) Does Caliber Homes have in there records a " Certificate of Incumbency '', Corporate Resolution, Power of Attorney, etc. for this person regardless of who they worked for at the time and dates in question? ( 3 ) Will Caliber Home Loans, Inc. forward that information to me ASAP?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My mortgage was just recently sold to Nationstar mortgage from XXXX XXXX XXXX. I have been trying to get my PMI of {$160.00} removed since we have 20 % into our mortgage. After several attempts to get the paperwork, I received it 2 months late. I have tried to e-mail, regular mail and have tried to fax it to more than XXXX fax # 's that were giving to me by nationstar employees. The faxes do n't ever go through, and when I call they just give me another # that does n't work. They receive my payment checks but seem to disregard the paperwork about the PMI cancellation. Their lack of professionalism has cost my family hundreds so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Back in XXXX or XXXX I filed a compliant in ref to my mortage company Slect Portfolio Servicing, after the complaint was filed thatnks to you 's I was able to get a modification with was suppose to tart new payments on XXXX XXXX, According to them they sent me some papers in which needed my signature and I was suppose to fax and mail papers back to them, according to them those papers were sent and they were calling to se if I had fax & mail them back to them, I explained to Rep that as of that day I had n't received there papers rep informed me that they will send new papers out and that as soon I received them I was suppose to fax & mail them back to them, papers arrived 6 days later and as I was told they where sign, fax and mailed a couple of dayslater I received a call from them I which I was told that paper work was not received and they want to know why, I explained to rep that papers were sign, fax and mail and according to them they had not received them I told rep that I had made copies and that I will refax and mail my cpies to them she stated that they will arrive late and that she will see what can be done but that since it was just XXXX days later she did n't think it would be a problem she will let me know.I waited a couple of days then I received a call from them letting me know that nothing could be done if I wanted they could send me a new set of papers so I could start from scrath and see what happens a couple of weeks ago I received a letter from the court stating that my home once again was in foreclosure again and the date will be XXXX, I received their paper work I completed it mail it express mail, I received a call and was inform they had received papers but that they can not submit a hold on the forclosure because papers have to be reviewed and then they can submit a hold, I take responsibility for papers being later due to the fact that they were sent to me late but what am I going to do now, my case # was XXXX.Please let me know what can be done now to see how can this be fit.Thank you XXXX Bless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We are being foreclosed on illegally by Nationstar Mortgage because none of our ( 12 ) payments were credited properly to our account by them ( even though the account number is correct on all our reciepts XXXX. We have submitted all the receipts several times by XXXX, fax and have all the delivery dates confirmed, and they have been stringing us along, taking their time 'researching ' the issue but with no result. Meanwhile, they have scheduled to auction our property on XXXX XXXX. 2015. This has cause us immeasurable XXXX, and to top it all off, has ruined our pristine credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I have been having problems and disputes with XXXX XXXX and Select Portfolio Servicing , Inc ( SPS ) since 2011. I have just written a long letter to SPS that thoroughly explains some of what I have been through in the past XXXX years. I accepted the XXXX modification in 2011 because I felt I had no choice. XXXX dragging out the modification process for XXXX months has no reasonable explanation. The modified amount of {$550000.00} was quite high. There are many details contained in the XXXX page letter that will give you a very good picture of what I have gone through.

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 2015-08-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Nationstar Mortgage and Trustees, XXXX, herein, NS and Trustees, have continued to proceed with unlawful foreclosure. Numerous attempts have been made by homeowners, by and through their advocate, with written, telephonic, electronic, communications. All reasonable and lawful efforts have been exhausted and litigation has been initiated as a unfortunate and unwanted, last resort. 
A rescission letter was mailed to alleged interested parties, Pursuant to TILA, 1605 et seq. see attached To date, no response has been forthcoming from NS or Trustees, as required by law and confirmed in U.S. Court decision, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : " In the case of TILA Rescission the issue is closed, to wit : the unanimous decision of the US Supreme Court in XXXX was that the statute is not ambiguous and thus not subject to interpretation by ANY judge '' and again in, Minnesota Supreme Court in XXXX XXXX XXXX , No. : XXXX : " Here again we have the application of the simple formula proposed by the Supreme Court of Minnesota, to wit : nothing plus nothing equals nothing. " NS and Trustees acting as debt collectors as defined in FDCPA, and in CFPB XXXX XXXX Brief No. : XXXX, have made false and misleading representations in their actions while attempting to collect on alleged debt. Homeowners relentless attempted to validate alleged debt, all of which is well documented. NS and Trustees were non-responsive and act with impunity against Homeowners and more importantly a blatant disregard and respect for the rule of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 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: AFNI INC.
State: FL

Complaint narrative:
To Whom It May Concern : This letter is in response to the letter I received from you on XX/XX/2017 a copy of which is attached herein. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is hereby disputed and validation is requested. Please provide me with the following showing that I have a legal obligation to pay you : 1. Identity of the original creditor 2. An explanation of how the balance of the alleged debt was calculated XXXX. A copy of any agreement between you and the original creditor showing you are legally entitled to collect monies on this account 4. A verification or copy of any judgment, if applicable 5. Proof that the Statute of Limitations has not expired on this account 6. Proof that you are licensed to collect in my state Failure to comply fully and completely with the above validation requests before continuing collection attempts, or reporting this account to any consumer reporting agency, is a violation of Federal law and will result in complaints being filed with the Federal Trade Commission, my state Attorney General 's office and your state Attorney General 's office. Civil and criminal claims may also be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
My home loan was recently taken over by Nationstar Mortgage LLC. They sent me a letter saying I had insufficient flood insurance and needed to raise my insurance or they would add gap insurance to my policy. Even though my principal balance owed is less than {$27000.00} they are requiring me to match the replacement value of {$150000.00} set by my homeowners policy. When I called and explained that I read the policy set forth XXXX that XXXX of these apply Under the FDPA, the mandatory flood insurance purchase amount is the lesser of : The outstanding principal balance of the loan ( XXXX XXXX, or The maximum amount of insurance available under the XXXX XXXX XXXX XXXX ( XXXX ), which is the lesser of The maximum limit available for the type of structure ( {$250000.00} for a residential structure, ), or The insurable value of the structure ( typically the replacement cost value of your home ). 

According to this the lesser of these would be that I have at least {$27000.00} of flood insurance coverage, ( I currently have a policy of {$30000.00} coverage ). They said according to XXXX they can charge what they want. By adding this additional coverage my payment will go up over {$100.00} a month! 
If I do n't get my own coverage they will force me to get their insurance and raise my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage and XXXX XXXX XXXX have conspired to ruin our credit by telling us the problem was solved yet they reported our payment as late when verbally advising us otherwise. This happened when XXXX sold or transferred our loan as modified to Nationstar and gave us one month to delay payment yet never applied that payment properly, thus ruining our credit. As senior citizens, we need our creditworthiness. It 's fraud perpetrated against us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My mortgage was bought by Nationstar Mortgage on XXXX XXXX 2015. I was notified by the previous Mortgage holder ( XXXX ) that it was sold and to make the next scheduled payment to them as I was to be receiving a welcome packet from them " any day ''. I never received the packet and it took hrs on the phone with Nationstar to attempt the payment with negative results. I had to go back to XXXX to make the payment. Through XXXX my new acct number for Nationstar was obtained. Since that payment, I have received over XXXX phone calls to my residence from Nationstar. The person calling identifies him or herself as a rep from their Company and asks for my SSN, DOB and other sensitive information. They advised me it was for their debt collection bureau. I told them I pay my bills on time and asked to speak to their supervisor and they wouldnt put one on the phone. I have received at least 3 calls a week from private numbers, different XXXX and XXXX numbers all stating the same. They stated they will not be stopping until they update the information for debt collection regardless of the fact that I have made each and every payment for both this current mortgage and my previous home 's mortgage on time. I finally received the welcome packet from Nationstar this week..It has been about 4 weeks since they have held my mortgage. I never asked for their service and I dont like their company. I am being harassed now by a Company in their efforts to update their debt collection records and I have no issues paying my debt with them even though I have never asked for their service. They are rude. They are violating Penal Law section 240.30-1 in the NY State Penal Law where as their calls are both unwanted and annoying, repeated and alarming. They need to be stopped as they are effecting the quality of life in our home. Making us shut our phone off and ignoring phone calls. WHY and HOW do they get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I feel that I am a victim of unethical and deceptive lending practices by Nationstar Mortgage. Prior to XX/XX/2015 my account was perfect. In or around or even just prior to your XXXX/XXXX/2015 being due, I contacted them and asked them for assistance in that I was not having ample funds to make the XXXX 2015 payment before month end due to a weather related repairs that needed to be made ASAP. The lender rep you dealt with brought up the possibility of a modification to your loan. I informed the rep that both the XXXX AND XXXX payment in the month of XXXX ( as you knew you 'd be getting your {$2500.00} for the golf coaching stipend ). I understood my credit bureau rating would have then reflected a XXXX delinquency for the month of XX/XX/2015. 
Instead, the rep suggested I signed up for this loan modification ( making me think this was my only option ) which in turn severely hurt my credit. When I started getting calls about missed payments ( I was still paying monthly ), my rep stated everything was fine. Currently, I am not receiving any return phone calls from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
I was recently released from XXXX bankruptcy in mid-XX/XX/XXXX and was told by my trustee that I was current on my mortgage via court order. I 've made all XXXX payments since being released in full and on time. However, Nationstar is now trying to collect an additional monthly payment ( {$730.00} ), late fees ( {$78.00} ), and an escrow ( {$450.00} ). The total amount they 're trying to collect is {$1200.00}. They 're claiming that it was owed to them while I was still under bankruptcy. This is against the law. I 've spoken with Nationstar on the phone 3 times to try to clear up the matter, but have yet to receive a response other than " we 'll look into it. '' They also refuse to mail me ANY documentation on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I applied for a mortgage modification from XXXX that was consistentlydenied. I hired an attorney and spent over {$20000.00} to obtain amortgage modification from Nationstar who apparently purchased myloan from XXXX. 
I received a letter dated XXXX XXXX, 2015 detailing a refund due mefor a " Modification Delay '' in the amount of {$3900.00}. On XXXX XXXX, I contacted Nationstar via email requesting a check in the amount of {$3900.00} for the refund. On XXXX XXXX, Nationstar acknowledgedreceipt of the request. I have not received a response or refund check todate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
We have filed twice now. We have yet to hear back from Nation Star with a valid response and resolution to their mistake. on XXXX XXXX 2016 they claimed to have a resolution and have yet to produce one. Their mistake is costing both my wife and myself from refinancing our current mortgage. 
We are requesting they fix this nightmare in a timely manner it has been over 60 days now.

Company response to consumer: Closed with explanation