vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I applied for assistance in saving my home with Nationstar Mortgage. Nationstar is now evading/refusing to review my loan for assistance stating that I needed to correct what I wrote on my application for my retirement income. I also hired an attorney to help me with the process and my attorney states Nationstar can not evade reviewing me for assistance over one number written on my application that is {$30.00} off from the actual income I receive. My attorney has submitted everything they need to review me for assistance and then called Nationstar and Nationstar is demanding I fill out another entirely new RMA and correct one number I estimated on the original application and was off by {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Original Creditor : XXXX XXXX XXXX Balance : {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
My flood insurance for the year of XX/XX/XXXX was cancelled due to non payment from my escrow account. I was sent an over payment check from my escrow account that was supposed to be used to pay for my flood insurance, then told to me by your agent XXXX that this was a mistake on Quicken side ; this is not reliable business to have since I 'm living in a flood zone area in XXXX Va. Then XXXX tells me that I would have to pay the money back that I was n't expecting, to pay on a cancelled flood policy that has n't been pain on since XX/XX/XXXX.The money has been spent. 
I was not notified that I had to pay any money back when I received the check ; that 's a mistake that Quicken made. 
I have since got another flood insurance policy and paying much less than before ; there should be a change in my mortgage payments, why do I have to wait for a escrow analysis because of mistakes Quicken has made. I have also changed my home owners insurance for a decreased premium rate and still paying the same amount of mortgage. which brings me to another mistake Quicken has made, told to me by XXXX, by paying 2 premiums in the month of XX/XX/XXXX, for my home owners /hazard insurance, each payment was XXXX, WHY? why is my hard earned money being tossed around this way? I 'm amazed and not happy about this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
I have submitted numerous qualified written request to XXXX XXXX, XXXX, and Nationstar. Only Nationstar has sent XXXX notice that they are researching. Our problem began this past XXXX XXXX when we entered into an agreement to sell our home since we are relocating. Upon getting the payoff we were floored to discover an additional {$50000.00} attached to our payoff!! We learned from Nationstar that this is a corporate advance for a modification with XXXX in XXXX. We never signed a modification with XXXX in XXXX!!!! Nor did they ever send us paperwork. Had they sent us paperwork we would have realized something was way wrong. We signed XXXX modification with XXXX in XXXX at our kitchen table!! XXXX was already XXXX at the time but XXXX failed to properly document. We did reach out to XXXX in XXXX but nothing was ever resolved. The next thing we knew we were with Nationstar. The false modification came when payoff was requested. Nationstar emailed the modification paperwork to us. This was NEVER signed by us. XXXX falsified, forged, or copy-pasted signatures!! XXXX XXXX refuses to respond to inquiries although they claim they will all back. XXXX flat out does out respond. And Nationstar just gives auto responses that they are working to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My husband died in XXXX 2013 and I have been trying since XXXX 2013 to get a loan modification. I am a senior citizen and have provided SPS with the requested documents so many times I have lost count. I have never been able to talk to XXXX XXXX the relationship person assigned to me. Every time I call with is once a week he is never available, thus, each time I speak to a different person and get a different explanation as to why my loan modification has not been completed. XXXX reason given I is that my picture on the license I faxed in is too dark, which I find very offensive and do n't know how to fix. Another reason I have been given is that they could not find my son 's name on the check stubs faxed in. Which again I do n't understand because the previous person said they see the name. Every time I call which is once per week, I talk to another person and get another reason. It has been almost two ( 2 ) years and still no loan modification. I am falling deeper and deeper into debt and fear losing my home which is putting me under a lot of stress. I want the mortgage company to modify my loan. I want a fixed rate with a reasonable monthly payment and I do n't want my principle balance doubling because delinquent interest has been capitalized into my XXXX. I want to be able to talk to the same person every time I call who understands my file and my situation and who is committed to helping me. I want to stop getting the run-around from the loan servicer SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I appealed the decline of the loan modification within 30 days. Select Portfolio Servicing is not honoring the 30 day appeal process which is illegal per the Homeowner Bill of Rights Act. The underwriters have miscalculated my income and overvalued my home by over {$200000.00} in the original decline, now they are stripping me of my right to appeal. I have proof that I sent my appeal in by email per their instructions within the 30 day period. 


Please have SPS cease the foreclosure process per the Homeowner Bill of Rights and proceed with the appeal process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I refinanced my mortgage with Nationstar XXXX 2015. At the time of refinancing I had {$1700.00} in my escrow account and they only gave me credit for {$870.00}. I asked the closing attorney ( which they supplied ) and he said they would probably send a check. I just received a bill from the for {$300.00} because of an escrow shortage. I called and spoke with XXXX and she says that that money was applied to something else however she could not tell me what. But that my escrow showed an overage and if they sent it to me i would just have to send it back to them. I asked her was it even legal to just disperse my escrow money as they saw fit. I have called several time and left voicemail messages for her ( XXXX XXXX XXXX ) but she will not return my call. So I have {$870.00} floating around somewhere. I was not told it would be used for closing cost as I was under the impression that I did n't have any.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS loan servicing has misled us into believing that our hardship review was being processed and underwritten and only required some time in order to review. Since XX/XX/XXXX we 've asked of all the documentation that was needed to complete the review and within 2 days we complied. We have proof of receipt of all documenation remitted was received by SPS. A week later a redundant set documents were requested. We established that these documents had already been remitted but SPS indicated that this was not in their control and that our processing for review would be denied should these redundant documents not be resubmitted. We were told on XX/XX/XXXX that all documents were in and that the loan was in underwriting. This was confirmed by XXXX XXXX the manager. Today, we were informed that this loan was not in underwriting by XXXX XXXX and that another set of redundant documents consisting of pay stubs was needed. We communicated that these documents had been sent in and confirmed received two weeks ago. We are now concerned he that SPS has intentionally misplaced our documents and is intentionally delaying our loan modification review in order to cause us to lose our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I have a property in XXXX, Virginia and the mortgage was transferred to Selective Portfolio Servicing Inc. ( SPS ) from XXXX about five months ago. I recently received a letter from SPS that my annual taxes had increased from {$1700.00} to {$6900.00}. I called SPS customer service to dispute as my tax is still {$1700.00} yearly and was advised to send a copy to prove otherwise. I obtained a copy of the annual tax and faxed it to SPS. I have called and been advised that the fax was received. Since sending the fax I have called them by phone nearly daily for the past two weeks with the same answers that my faxed copy had been received and being investigated. However, the last time I called 3 days ago, I was told that they received my fax but nothing further had been done. This has resulted in a $ 500+ increase in my taxes. I do n't believe this organization is honest as the information on annual taxes are easily retrieved from the city 's website.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Loan # XXXXConcerning appeal dated XXXX XXXX, 2015. ( Included ) to Nationstar Customer relation. 
Letter of response attached. They will get back to me no later than XXXX XXXX 2015. 
As of today, I have no response from you. On XXXX XXXX I got a notice of default ( included in this package ) with absolutely no explanation about my loan modification or my appeal. 
I have tried to contact my new point of contact XXXX XXXX, but the phone # given XXXX XXXX tells me call another ph # which takes me to someone abroad. I call this number a few times but I can not understand them because of their strong accent and ask them to transfer me to my point of contact in the XXXX. But they said, they can not do that but I can try calling again and maybe someone in the XXXX will pick up the call. So far I was not able to contact anyone in the XXXX about my loan modification. Except for someone name XXXX in the foreclosure department. She said, my option would be to short sale or deed in lieu and she can help me with that. I asked her to give me the ph # for my point of contact, but when I called the new # XXXX XXXX XXXX, the message says this is no longer a working #. It appears that all communication has been taken away and I have no choice but to sign my property over or allow them to foreclose. Previously, ( I had XXXX other point of contacts since I have started this loan modification with nationstar, and XXXX out of the XXXX, I was able to communicate with them through emails. This process works well until they change to another point of contact and then, no communication until I file a complaint. 
Now they are forcing me to foreclose or sign a deed in lieu. They will not communicate with me and fail to properly address the at hand. PLEASE HELP ME. GUIDE ME TO SOMEONE THAT CAN REALLY HELP IN THIS MATTER. 
Thank you very muchXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
On XXXX/XXXX/2015 I made a deposit of {$100.00} into BB & T bank. Which at that time brought my account to a total of {$95.00}. Also on that same date there was a charge of {$28.00} and {$36.00} ( Over Draft Fee ). The reason for the fee according to BB & T is that they had to separate {$100.00} from my account to pay for a ATM with draw that did not happen till XXXX/XXXX/2015. By doing this they Over Drafted my account. And because of this, it caused a Dominions affect on my account where I have charged a total of {$320.00} in NFS fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
We experience a medical hardship at our house last year.. My husband and I were hospitalized, i needed a XXXX and my husband had a XXXX, this situation leaved us with medical bills plus additional expenses. We were current paying our mortgage but we needed assistance because the medical expenses were really high. I called our Mortgage company ( Nationstar Mortgage ) XX/XX/XXXX/XX/XX/XXXX for assistance, according the website or mail information they offer assistance in case this situation. The only option that they offered me was a repayment plan, it sounds good but I was told that they needed to report with the credit buro so i told them this option is not possible because I have worked to have a good credit and not possible, so I told them that in this case my only option was to be delay on my next payment and in the next months I will become current. they said ok, but they not only charged me Usd XXXX per month but also they reported me with the credit buro. Not sure if the reasson that was n't clear is because they want to charge the late fee. I called them and they said that they are really sorry, my credit was affected, XXXXpoints less, all credit cards started reducing my credit, increasing my interest, or closing credit cards. I am current now but the damage is done. I have asked them to listen to the conversation and communicated this to credit offices. I was behind 30 days all the time and now i am current but this does n't help to bring my points back. Please kindly assist with the situation, they offer / advertise assistance however, when i called I di n't receive anything and i trusted them and proceed based on the given information but i was affected. i have all documents from the hospitals and medical bills. i am asking to fix the information error with the credit offices taking our 30 days late plus late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Loan Number XXXX, for property address XXXX XXXX XXXX, XXXX, VA XXXX Almost one year ago, I purchased a new home. The mortgage company we choose to use was Quicken Loans. This company was XXXX of the preferred lenders from my agency, so I went with them. Just recently, I received papers and billing statements from Quicken stating my current mortgage of {$2900.00} would be increasing to {$3300.00}, a {$400.00} increase. I contacted Quicken to inquire more details. Initially all they could advise was there was a shortage in my escrow, and this was needed to cover it. I dealt with client relations, who then forwarded me to a senior research team member, XXXX XXXX ( XXXX ). XXXX XXXX did some research, as did I, and found out that nothing has changed regarding my taxes or homeowners insurance. There had been no tax increase at all. XXXX XXXX acknowledged that Quicken made an error and they were very sorry for the mistake. I advised {$400.00} a month was not an option, and they have put me and my family in a financial hardship. I inquired about refinancing my current loan ( conventional loan at 3.99 % ) to a lower interest and possibly getting rid of the PMI. XXXX XXXX advised if this could happen it would be at very little cost to no cost for me. I was then sent to someone to calculate if this could happen. They advised it would cost Quicken too much money, so that would n't be an option. XXXX XXXX then asked if I would be willing to do a loan modification. I told her only if it did n't effect my credit. She then determined it would effect my credit so that was not an option. XXXX XXXX was very sympathetic and apologized for their error. She then suggested they might be able to get the shortage of {$2800.00} spread out over an additional length of time, thus increasing my monthly mortgage to {$3100.00} instead of {$3300.00}. I advised the increase would still put me in a financial hardship and I would have never purchased this home if I knew the mortgage payment would be this high. My home was XXXX of the last homes ( XXXX total homes ) in my subdivision to be built, so the research and information was out there for Quicken Loans to give me the correct information. I understand if my taxes increased, then of course my mortgage would increase. However this increase is only due to the incompetence of Quicken Loans and their failure of due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY APPLYING FOR MORTGAGE ASSISTANCE. MY SERVICER, NATIONSTAR, HAS NEGLIGENTLY PROCESSED MY MORTGAGE ASSISTANCE REQUEST. I VERBALLY WAS NOTIFIED THAT I WAS DECLINED AND I WOULD RECEIVE THE DETAILS FOR THE JUSTIFICATION BEHIND THE DECLINE IN WRITING IN THE MAIL. IT NEVER CAME. AFTER SEVERAL ATTEMPTS OF COMMUNICATING WITH NATIONSTAR AND ASKING OVER AND OVER FOR A WRITTEN DENIAL, I WAS INSTANTLY PROVIDED A DENIAL LETTER VIA EMAIL ON XXXX XXXX, 2015. THE DENIAL LETTER WAS BACK-DATED TO XXXX XXXX, 2015. I AM REVIEWING FOR A POSSIBLE APPEAL FOR THE DENIAL, HOWEVER, I WAS VERBALLY INFORMED THAT MY XXXX DAY RIGHT TO APPEAL IS ABOUT TO EXPIRE BECAUSE THE TIME CLOCK STARTED XXXX XXXX, 2015 XXXX THE BACK-DATED DATE ). NATIONSTAR DID NOT PROVIDE A DENIAL LETTER IN A TIMELY MANNER. WHEN THEY DID, THEY BACK-DATED THE LETTER. NATIONSTAR IS DENYING ME THE RIGHT TO A XXXX DAY APPEAL PERIODL

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Mortgage was transferred to Nationstar as of XXXX/XXXX/XXXX. Since then our payments are not posted in a timely manner or for the amount sent. 
for example payment cleared our bank on XXXX/XXXX/XXXX for XXXX per the payment history received from Nationstar the payment was not posted until XXXX/XXXX/XXXX and only for amount of XXXX. 
payment cleared our bank on XXXX/XXXX/XXXX for XXXX but was not posted to our account until XXXX/XXXX/XXXX and only for amount XXXX When our loan was transferred to Nationstar from XXXX we only received a good by letter from XXXX but no welcome package from Nationstar. So had to contact them to make sure the payment amount was the same as XXXX. I was told it was the same so that is what we are sending but they are only posting XXXX Have to call every month to get a payment history as they will not allow use of the website. Try to get information several times as to why it takes so long to post the money and why it is less than we sent. sent them the exact same documents attached and all they will state is they have no record of sending me the history every month and they are posting the money for what we sent. Have been unable to resolve the issue with Nationstar as they are not willing to listen or review the documents I sent to them as proof of what they sent me. Have been calling them every month since XXXX XXXX to get a payment history but they deny sending it each month.

Company response to consumer: Closed with explanation