vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
The following is an addendum to the complaint I rendered on XX/XX/2016 pertaining to my loan modification with Nationstar : I neglected to mention that this loan was written under the auspices of the MAKING HOME AFFORDABLE PROGRAM via the U.S. government, which was designed to make mortgage payments more affordable for struggling homeowners. Nationstar arbitrarily increased our modified payment -- under the guise of re-paying an " escrow shortage '' ( that we knew nothing about ) pursuant to an " escrow analysis '' that Nationstar suspiciously conducted -- without our knowledge -- AFTER we signed the loan agreement for the moderately " more affordable '' modified payment. HOW IS NATIONSTAR COMPLYING WITHIN THE GUIDELINES -- AND ADHERING TO THE PURPOSE OF THE MAKING HOME AFFORDABLE PROGRAM WHEN THEY ARE INCREASING SET MODIFIED PAYMENTS- ( BEFORE THE PAYMENT IS DUE, AT THAT ) THEREBY PERPETUATING THEIR PRACTICE OF GAUGING AND BLEEDING THE CONSUMER OF FUNDS THAT THEY DO N'T HAVE? Nationstar 's actions pertaining to the underhanded increase of the modified contractual payment reek of XXXX -- and are against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I have reason to believe my bank is structuring my transactions in a way that generates maximum overdraft fees. In the past three months, on at least XXXX occasions, I have been hit with as many as XXXX overdraft fees on transactions that could have been covered if the bank ordered them smallest-to-largest, or even if they took place in chronological order. The bank now wants me to switch to a savings account that would refuse to honor the purchases XXXX but which would mean I 'd receive fees from the company I was attempting to pay ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I submitted a hardship application to Nationstar Mortgage at XX/XX/XXXX and I did not hear anything from them. I looked on line several times to obtain the status of my application and there was no information. I called Nationstar today ( XXXX/XXXX/2015 ) to obtain a status of my application was advise that my application had been denied ( the investor does not do modifications ). I asked why I did not receive a letter stating that my application had been received ( 5-day letter ) or a letter indicating that I had been denied ( supposedly in XX/XX/XXXX ). The representative claimed that the information was sent to me via email. I have a problem with that explanation as I received nothing in either case however, I do receive the monthly billing statements. I believe Nationstar Mortgage failed to notify me in either case nor did they ask for any additional information ( complete loan application ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
My 2 mortgages were transferred to a different mortgage servicer and on both I was informed I was 3 payments behind & over {$8.00}, XXXX in escrow shortages. I am being made to pay p & I & 2 escrow accounts. Needless to say I have fallen behind and now they will not accept my payments. I do not want to lose my home nor the rental home I have which was part of my livelihood, now a liability, can you please help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I have had hardships in 2016 in which caused me to fall behind on my mortgage with Nationstar. I have been trying for over a full year to get Nationstar agents to work with me on a reasonable payment plan. The most frustrating part of it all is the fact that Nationstar received {$25.00} XXXX dollars in incentive payments for loan modifications from the Department of Treasury, as part of programs such as Making Homes Affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
XXXX owns loan. Select Portfolio Servicing services this loan. Debt & loan in Ex husbands name. I paid cash & owned the house. Due to me cosigning the loan. He lost his job and is in the arrears ( court ordered ) to me. SPS has a sale date on the house set for XX/XX/2017. 
I called a lady at XXXX today-XXXX @ XXXX ext XXXX. 
She said she ca n't help but told me to file this complaint with you as I have ask & begging SPS to open an Assumption Loan/ Simultaneous Loan Modification Review with reduced payments based on my XXXX income. PLEASE HELP!!!!!!!!!!!! 
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 2015-08-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
A reverse mortgage lender assessed against the reverse mortgage loan {$15000.00} in fees for " removal of a lien '' on the property. However, there never was a lien on the property, according to the county recorder 's record. When the reverse mortgage lender was contacted in writing on several occasions and asked to provide a written explanation, they did not want to discuss the matter and kept insisting that they had no knowledge. The original borrower of the loan has died and the lender is calling the loan ; for which, they have started a foreclosure process. I reminded the lender in writing that their foreclosure action is based on false information and incorrect final balance, however, my warning again went unheeded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Mortgage company violated law for HARP and kept asking for new documents. Now they say I was approved and on a 3 month trial but I NEVER RECIEVED a single document stating this and they are trying to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I received a default letter from the bank telling me my loan was in default for my failure to make a payment on XXXX XXXX, XXXX. They told me I had 30 days to pay the past due amount of {$120000.00}. I called them to ask for an itemized breakdown of the amount demanded because it seemed ridiculously large. ( i.e. how much was for principal and interest payments, how much for late charges, how much for escrow charges, etc. ) I also asked them how they could demand money from me for payments I allegedly failed to make more than 5 years ago. They told me they would send me a written explanation within 30 days. I never got a response despite several follow up phone calls. After several months of waiting, I went to an attorney who wrote a letter to them XX/XX/XXXX asking them again for an itemized breakdown of the amount they were claiming was due. They sent my lawyer a bunch of paperwork ( note, mortgage, payment history ) but never explained how they came up w/ the {$120000.00} amount demanded in their XXXX XXXX letter. I then filed a complaint with the CFPB ( Case No. XXXX ) for their failure to respond to my repeated requests for an itemized breakdown of the amount they claimed I owed them. They wrote back to the CFPB and said they sent a response to my complaint to my attorney. They did not. I then filed a follow up complaint w/ the CFPB today because they did not send my attorney any response to my complaint. Then, to my surprise, I received another letter from the bank on XXXX XXXX, XXXX. This letter demanded {$88000.00} and said I defaulted for failing to make my payment due XXXX XXXX, XXXX. If they knew I had an attorney XX/XX/XXXX when they responded to my CFPB complaint, why did they write to me directly on XXXX XXXX, XXXX? Also, how am I supposed to know how much to send them to reinstate my loan when they send me completely different amounts to cure the default and with different default dates? Furthermore, they have never explained to me how they arrived at either amount ( i.e. {$88000.00} or {$120000.00} ). I have been trying to bring my loan current for years but they keep giving me misinformation. I am fed up with this. I am a XXXX citizen ( XXXX years young ) and I deserve more than just " form '' letters telling me to pay money without any explanation as to how they arrived at these crazy amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Please see attached documentation. BB & T claims to have received an incomplete Loss mitigation package on XXXX/XXXX/15. I have a fax confirmation that it was received XXXX/XXXX/15 and sent through mail and received XXXX/XXXX/15. I have a copy of the faxed / mailed and it was not incomplete nor received on XXXX/XXXX/15. Furthermore, BB & T stated this should be judiciated outside of Civil Circuit court since it was a " Federal Issue, '' did not wait for the court to rule on any of the objections / motions and proceeded without adherence to Federal law. BB & T had been notified on separate occasions that I, the Plaintiff, notified BB & T that there was already a Loss Mitigation in process with XXXX. After our last hearing, the opposing counsel said they would email me that day to come to a resolution and was never heard from again, despite my many attempts to reach his manager. BB & T was dishonest with the court and CFPB responses and ignored that I had a loss mitigation in progress with a HUD approved counseling center.

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 2017-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I had XXXX XXXX events that caused financial XXXX and the cause for me to fall behind on my mortgage payments. I had to take care of a sick relative who moved in with me because of their illness. Her health XXXX and she died. The financial burden of her healthcare and burial put me in a difficult financial position. Shortly after her death, I faced health issues of my own where I had to be XXXX. This further complicated my financial situation. I asked for a loan modification and while I was in XXXX, I missed the acceptance time. I re-applied but my modification was denied. Fortunately, my health has recovered and I am now able to maintain a mortgage payment if allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Dear Sir/Mme : This complaint is related to the XXXX you have under # XXXX ( against XXXX XXXX .This complaint is against Select Portfolio Servicing Inc the alleged mortgage servicer.Am currently in bankruptcy ( ProSe ) .My adversary case # XXXX XXXX the Judge granted the Motion for Lift of Stay & I received the order yesterday.The lawyers forXXXXBank and Select Portfolio Servicing Inc are XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX .The lawyers send in a Proof Of Claim ( XXXX XXXX ) with a purported note endorsed in blank by XXXX XXXX for XXXX, XXXX XXXX Thru various depositions XXXX XXXX stated she was laid off in XXXX. My loan closed XX/XX/XXXX.Recently another case that was ongoing for 5.5 years : XXXX XXXX XXXX XXXX XXXX XXXX reported that 90min before Trial XXXX Voluntarily dismissed the case with prejudice, as the case somehow implicated that XXXX used a rubber stamp with XXXX XXXX XXXX name & endorsed XXXX 's XXXX appears that XXXX 's XXXX loan '' closed about XXXX XXXX XXXX. 
In my case Select Portfolio Servicing Inc " claims '' that my mortgage loan was securitized into XXXX Thru Series XXXX another case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX there is a XXXX XXXX Order/opinion ( by Judge XXXX XXXX XXXX that has a listing of XXXX Trust that investors sold-latest XXXX XXXX and since XXXXBank did not merge Trustee business till XXXX XXXX Trust were not transferred to XXXX Bank as they were sold prior to the merger of XXXXBank with Bank XXXX pass Thru Series XXXX was named as one of those XXXX Trusts. Further from either XXXX or other website when XXXX-surpise : ... '' no transactions in past 12 months.. '' My bankruptcy case is going to be dismissed on XX/XX/XXXX-I probably did not do something right.And now am facing imminent foreclosure by parties that are Not the real parties in interest.It is Theft. I do want to pay the true Beneficiary and holders in due course of my mortgage. 
Thank you for your time. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AK

Complaint narrative:
We attempted for 2 years to obtain a modifications through Nationstar. Our person of contact was constantly changing, our paperwork was not not being processed quickly, and we were having to resend documents and restart the process every 30-45 days. after becoming frustrated and hopeless, we decided to seek a short sale. In XX/XX/XXXX, we contacted Nationstar to begin the short sale process. We gave them our realtor information, and were told the process was started, and they would contact our realtor. Our realtor requested the required documentation several times and never received it. Nationstar never contacted our realtor or us about the short sale. In XX/XX/XXXX, our realtor decided not to do our short sale because of the lack of communication from XXXX. We contacted Nationstar in XX/XX/XXXX about doing a deed-in-lieu. We were told that was a good possibility, and after asking a series of questions, we were old the process was started, and we would receive the paperwork to complete. We never heard back from Nationstar, and our home was foreclosed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
My property is being foreclosed on XX/XX/2016 without appropriate notification. Th representative does not know at nation star mortgage what happens at a foreclosure sale date was not able to provide sufficient answer the only I found out was by a foreclosure preventive attorney who sent me the notice of sale date attached. I have ill mother at home they sent XXXX field office officer who banged at the door so hard my mother was scared did not open the door they left a notice at the door stating mortgage holder will have the property winterized. This is harassment not a process. I declined the modification because the monthly payment was too much. The resolution I require is appropriate notification of sales date, if possible why cant the mortgage company work with current housing market value instead of a loan balance of XXXX the house is only worth XXXX please take this complaint to a escalated level I am harassed by nation star Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI

Complaint narrative:
I have been remodifying my loan for 4 years and it has continually been found short of documents, out dated documents or missing documents as well as now needing MORE documents. Intentional manipulation of paperwork submitted is blatant. I have pleaded with them to not sell my home and made a deal with them to have all primary documents needed to them by XX/XX/XXXX for them to start the underwriter process as well as any additional documents they may need. My attorney noted that it appears their intention is not on the up and up and the house is again back on the auction block for XX/XX/2016. there is no time for them to do what they need to do to approve this modification by XX/XX/2016. It appears a rubber stamp denial is already in place. they have filed a XX/XX/XXXX response date, which they have not, as of yet, informed me of and what it entails. Again, I see deception going on as has been going on before. They have broken into my home on three occasions and left the security features damaged or open to vermin, vandals and weather. I have requested a cease and desist and reimbursement for the damages and it has been ignored. I have lost three years of tenants due to sending my tenants monthly 'auction ' sales notices as we go throiudht is weird 'dance '. I have lost them, the {$2800.00} a month revenue from them and the cost to take them to court to retrieve this lost revenue with no success. They reference the letters stating the house is sold and were told by the SPS legal counsel to stay in the home until SPS tells them to leave. Thus the reason for no rent. This is their statement ( to the mediator present ) in court. I feel that right now they are intenting a rubber stamp '' FAIL '' on the home. I have a XXXX XXXX XXXX on it with numberous Stock holders attached and I was just informed that they will not be reducing the 7.44 % interest rate due to these investors. This is not right and is intentional. No one has informed that that the 7.44 % will remain until I spoke with an Ombudsman last week, and all this because disclosed to me, as well as I can e-mail all info to them as opposed to the express mail I have been using ( express due to the fear factor that they convey of urgency all these years of doing this. 
I need solid and honest support at this time. Your help is appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My mortgage of {$1000.00} ( monthly ) was sold to Nationstar Mortgage by XXXX XXXX XXXX. Since the inception, It has always been my practice to pay {$1200.00} monthly instead of the amount due, in hopes that I can complete my payment earlier. Once Nationstar received my mortagage, they began charging me a monthly inspection fee of {$10.00} even though no inspection was being done. Upon questioning this in writing, the practice of taking the fee was stopped. Just this month, Nationstar sent me a notice that my regular monthly payment is now {$1300.00} and not the {$1000.00} which was based upon an agreed fixed-rate XXXX-year mortgage. On calling their Customer Service on XXXX, the representative told me that this was an Escrow increase, despite my contract. It is my belief that Nationstar have been conducting fraudulent and dubious business and I am further convinced of this after I took a look at their reviews on XXXX. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I have not opted-in to overdraft protection wherein my bank ( BB & T ) will advance funds on my behalf, should my account balance fall below zero. For years, my savings account has been linked to my checking account for an alternative to overdraft protection, however. Recently, I noticed that I was being charged a {$12.00} " Miscellaneous Debit '' for BB & T to transfer my own money from my savings account to my checking account upon a low balance. This " Miscellaneous Debit '' is charged per transfer, very similarly to an Overdraft Fee XXXX just not {$35.00} XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
We, my husband and I, are being charged another {$1000.00} on our mortgage payments without real justification for the increase ( from {$1000.00} to XXXX ). Last month with the auto pay that we had set-up with them our account went negative about {$900.00}. We scrambled to make up the difference immediately and tried to communicate with this company to get answers, but we were only given the run around. I had to figure out on my own that I was being over charged on the taxes. So I went to the tax offices that are involved, because I happened to buy a house that is situated in two counties ( XXXX county and XXXX county ). Both counties explained how we are taxed. We pay full county taxes for XXXX, because that is where our house is physically at and only pay Comal ISD and city taxes for XXXX county. Very simple. They gave me estimations on what the taxes are, that came close to what we used to be billed. So with this new knowledge I called the mortgage company explained where their mistake was, but I have experienced with them the run around. They said it was going to be corrected and still have n't corrected anything. Now it is another month and the payment is due, but we are still being charged the {$2000.00} and again I went to the county offices and they told me the same thing and gave me print outs of what they thought could help ( to fax to the mortgage company ) and they told me the mortgage company should call them, so that the county offices can explain it to them ( the mortgage Co ). The mortgage company is telling me I have to wait 7 days so that they can investigate the situation, again. But our mortgage is due my husband and I only have the normal amount that we were a custom to paying and budgeted for, we do n't have {$2000.00} to give them this time. We never would have bought a house with such a high monthly payment. Never! Now I 'm scared to lose the house over something that is not true and correct. Please help.

Company response to consumer: Closed with explanation