vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
Nationstar mortgage services on mortgages are condoning identity theft, invalid mortgage paperwork, not answering questions according to respa, and providing answers without investigating, not listening to the customer, honoring documents that are copies or were never signed, copies provided to the form me and saying there legal. So far nationstar mortgage has provided a invalid original note deed of assignment, deed of trust, a invalid deed of trust provided to them by XXXX XXXX XXXX on a closed remic and assigned 9 years after the closure date. Provided invalid loan modification that was never signed by all parties, invalid amended and restated note, invalid power of attorney, and is not looking at any paperwork provided at all. the sale of this mortgage to XXXX is n't valid due to the fact that hud has no record of this loan and the remic it is not valid at all. So any resolution provided by them condones identity theft as they have shown. And why are the constantly changing there answers they tell the government one story and supply us with a totally different one with out investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I received a loan estimate for Quicken Loans on a new construction home. The loan estimate is what I used to select the mortgage company I selected. Quicken 's loan estimate indicated a {$2200.00} Adjustment/Credit, which I inquired about. I was told by the loan originator that it was money collected from closing which would be forwarded to other parties, such as insurance and HOA dues. This seemed to make sense because I had explained I did not want to escrow my taxes or insurance. The " cash to close '' amount is specifically what I used to proceed with Quicken, rather than the builder 's mortgage company, who was providing {$2500.00} incentive to close with them ( XXXX ). 
A week before closing, my loan estimate went up by {$3000.00}, even though they removed the homeowners insurance amount, as I paid this up front with the insurance company. When I inquired about the jump with mortgage loan originator, he referred me to his supervisor, XXXX. XXXX explained the problem was a calculation error and that it had to do with pro-rated taxes which the builder was responsible for which was no longer available since the loan moved from XX/XX/XXXX to XX/XX/XXXX. 
After I researched on my own about what Adjustments/Credits should include, I found that what both the originator and supervisor explained is simply not true. My understanding is that the Adjustment/Credits would include items collected in the loan and other charges section, which would be paid by someone else and not the buyer 's responsibility. 
So now I 'm confused as to why the ever had a credit listed on my loan estimate, which was never a valid credit to begin with. It seems to me this may have been used to lure me with a lower cash to close, only to remove it once my loan was close to closing so I had no choice but to continue with the loan. I 'm providing a loan estimate received on XX/XX/XXXX which had the credit, and the recent loan estimate dated XX/XX/XXXX with it removed. No explanation ever provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I was approved for a loan modification through Nationstar in XXXX. I have made all payments on time as required. While recently pulling my credit report. I noticed they reported I am 90 days late. I called them and asked why and they stated under the modification loan, I am not paying the full amount. They never said this was going to be reported to the credit bureaus and it was never stated in the paperwork I signed. This modification has only saved me XXXX dollars a month and Nationstar will not remove it. I have disputed this with all the credit bureaus but I need Nationstar to cooperate as this is unfair and has destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
I am trying to get my PMI cancelled including appreciation. The mortgage company has repeatedly sent me the same e-mail with information that tells me my house needs to appraise at a value that would bring me to a 70 % LTV ratio, but the document clearly says that I only need to get to 75 % LTV. I have contacted them via e-mail 5 times, called and a manager who confirmed that the appraisal value should be lower. I asked the manager to send that to me in writing, but he did n't. When I followed up to talk to the manager, the company informed me that they would be sending me the same information that they already sent with the higher appraisal value. The company is providing incorrect written information which could be used to deny PMI cancellation in the future even when criteria have been met to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NM

Complaint narrative:
I have been waiting to hear from NationStar Mortgage. I filed a complaint and they agree to respond by XXXX XXXX, 2015. To date there is no respond

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS 1st TD : XXXX XXXX TD : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX A short sale was started XXXX/XXXX/17 with SPS. In calling for updates we reached XXXX. She stated that the investor will not allow a short sale and the only option for the homeowners to avoid foreclosure is a deed in lieu. We informed them that deed-in-lieus do not work when there is a 2nd TD on the property. XXXX insisted that the second will participate in a deed in lieu and has refused to tell us the name of the investor. 


SPS is lying to us. SPS is refusing to tell us the name of the investor. SPS is only a servicer and they are defrauding their investor and the borrower by insisting that a deed-in-lieu is even a possibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
I suffered a water damage loss on XX/XX/2015. I wiped out my laundry room, the master bath closet and foyer closed which all adjoined the laundry room. I submitted a claim and was given a {$5900.00} award to repair our home. To this day they have not sent the check from Nationstar Mortgage Co . 
They claim that it is because I am behind in my mortgage payments. I can not do anything about that as I am XXXX and can not work until I can have my XXXX. 
In the meantime, they keep telling me that they need more and more documentation from contractors etc. I told them to make out the check directly to the XXXX so they would not have to fear that I am going to leave my home and run off with their money. I have lived her since XXXX and I am trying the best I can to recover from : the stock market crash, the housing bubble bursting, XXXX and otherwise. I am XXXX and they are making my life XXXX. 
Without the use of a laundry room or closet in our master bedroom one can only imagine our life with clothes needing to be taken to the laundromat weekly, no place to hang them and the house being in disarray. It is depressing and totally unnecessary Would someone please help us? We are at our wits end here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
Hi, I have an account with BB & T # XXXX I pay monthly car loan payment of {$470.00} and recently I paid Extra Payment ( Second bi-monthly payment ) to reduce the principal but it went towards interest. I understand bank always finds a way to get money from customer but I want to reduce the principal as well. 

I filed several case with CFPB and finally I had a chat with XXXX XXXX, BB & T Branch banker, He explained everything and it was very clear until my second extra payment went towards interest, He told me any payment amount over {$470.00} will go towards to reduce the principal but he lied. It went straight to interest. {$2.00} made on XXXX/XXXX/2016. I was going to make more amount but I was afraid they charge extra interest and they did even after they said extra payment will reduce Principal, not deducted as interest. 

Right, now I 'm really disappointed and I want them to put {$2.00} toward principal as they promised or I was {$2.00} back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I have been attempting to assume a mortgage loan from Nationstar Mortgage since XXXX 2015. During the process there were various documents that I needed to supply to the loan assumption department of Nationstar Mortgage. Documents included Loan Application, Rental History, Bank Statements, Tax Info and Title info. Please note that Nationstar did not or has not provided a telephone number that leads directly to the Loan Assumptions Department. Nationstar only provides a mailing address and fax number. 

Starting in XXXX of 2015, I sent the initial completed loan application to Nationstar via certified mail. After about a month I received a mail notification from Nationstar stating that pages were missing from the application packet. I resent the missing pages via certified mail again. Month after month I receive mailings from Nationstar stating that they have not received several documents. I resend information over and over again via certified mail, email and and/or fax. Time after time I receive mailings stating that I am missing documents. 

Today I received a mailing from Nationstar stating that they have not received XXXX last document and if they do not receive it in the next two business days, they will close the case. 

This is extremely frustrating because Nationstar does not provide any way to confirm receipt of documents and there is no one to speak to for any feedback whatsoever. It is now XXXX XXXX 2015. The process began in early XXXX 2015. There is no one to call. Email messages are not replied to and fax gets no replies. I have sent documents via certified mail, email attachments and fax. I do not know what to do next. Nationstar Loan Assumptions will close the case in two business days and there is no one to assist me and no way to confirm that Nationstar has received any documentation. I have no clue of what can do to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mother, XXXX XXXX XXXX passed on XXXX XXXX, XXXX. I am the Successor Trustee Of The Estate, The XXXX XXXX XXXX Living Trust. SPS acknowldege me, and approved me for a Trial Modification Home Retention option, in which correspondence I uploaded dated XXXX XXXX, XXXX, and I complied with the Trial Payments. On XXXX XXXX, XXXX I received the permanent loan modification documents, in which I signed the agreement and sent back to SPS on a timely manner, uploaded the Permanent modification documents. XXXX XXXX, XXXX after I complied with the trial period payment, after I signed and sent back the agreement SPS sent me I received correspondence from SPS informing me They were NOT going to go through the Home Affordable Modification, which agreement I accepted, signed, and sent back, because they are unable to verify my identity. Mind you, I complied with everything that was asked of my, documents, payments, and they breached the agreement we reached. On XXXX XXXX, XXXX I received correspondence from SPS returning my first permanent modified payment to me. I am at loss for words with all that has happened and continues to happen. I am now facing foreclosure because SPS decided to renege on the agreement reached in which to I signed acceptance to, and payments were cashed. Please help me avoid 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 2017-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AR Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/2017, I found an account start reporting on my credit report in the AR Resources Inc office. I faxed a letter requesting more information about account but 11 days I wake up to XXXX more accounts added on my credit report. I have no knowledge of these accounts and never received a dunning letter referencing any of the accounts. Here 's XXXX of XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Sold my home via short sale on XXXX/XXXX/15. Mortgage servicer received and acknowledged payment on same date. Mortgage servicer did not post payment and show account as paid in full until XXXX XXXX, 2015. This action causes undue and unnecessary tax consequences to me. XXXX was sent and acknowledged and the request to correct was denied ( see attachment ) Mortgage company 's request for HAFA and HUD-1 was unnecessarily duplicative and presented only to delay the closure of the loan. Please correct the day of the paid in full date to reflect XXXX XXXX, 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: J. Scott Watson
State: FL

Complaint narrative:
After receiving notice in the mail that this debt had gone to collections, I responded immediately to the law firm/collection agency because I was unaware that this debt had NOT been consolidated through the Public Service Program I had applied for. After speaking with the attorney 's secretary, I agreed to pay $ XXXX/month for the total amount of a little over {$6000.00}. About 6 months later, I considered offering a lump sum payment and discussed this with the secretary. She told me that I ca n't settle for any other amount because it 's an education loan and that there 's no benefit to paying it all at once. I then agreed to continue to pay $ XXXX/ month. After approx. one year and a few months, the law firm contacted me about my automatic payment that did n't go through because my debit card had been replaced by the bank. While discussing this with the secretary, it came to my attention that the principal of the loan was much higher than I expected it to be because I was being charged 5 % interest per year. I had paid almost {$400.00} in interest as of XXXX 2015. I am upset because I was never told in writing or orally that I was paying interest. I was also discouraged to pay a lump sum and was actually told that it would n't be advantageous to me, which is clearly untrue. Finally, while this is an education loan, I have trouble believing that I ca n't offer a settlement amount as this is a debt that has already gone to a collection agency. While I do n't know the law in Pennsylvania, I do n't understand why I ca n't try to settle for a lesser amount, or why I was n't told that I 've been paying interest for a year and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
I made XXXX payments in XXXX of this year however I miscalculated because the taxes had increased. Instead of applying the additional funds to my account Nationstar held the funds for 90 days. I was unaware but received foreclosure notices in the mail in XXXX. I contacted Nationstar in XXXX and was under the impression everything would be resolved paid the difference that night plus charged an additional fee because of a handling charge when doing it over the phone. To my surprise this did n't get taken care of so I had to call again in XXXX. In the meantime Nationstar had been reporting me late to the bureaus a rolling late since XXXX. I 'm devastated over the issue and the mental anguish\concern has been difficult for us as a family. I received an email regarding late fee charges instead of addressing my issue. I was suppose to receive a letter from Nationstar where they were going to fix the reporting error with the bureau 's however that has n't happened yet. Nationstar had someone come out to my house and knock on the door, left a notice on the door knob as well but it was in another language so we were n't even sure who left it. I threw it away but now I 'm extremely embarrassed now that I know why the person was sent. Not to mention I do not understand the lack of common sense used by this company. Nationstar was aware they were holding a whole loan payment shy of XXXX but did n't apply the funds and sent a foreclosure notice instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I have been in a 30 year fixed loan for 18 months. Within the 18 month period my payment has changed twice. Once it was lowered by {$300.00} and this month it was raised by {$1000.00}. The mortgage servicer says the escrow account was in deficit and to restore the deficit they increased the mortgage payment. The mortgage servicer explained that this was due to a change in taxes and the deficit in the escrow account ; however, I feel like an 80 % increase in mortgage payment is unreasonable and that there could have been better and earlier communication to hedge against such a large impact. Upon closing on the mortgage the escrow account was in order and my mortgage includes fees for taxes and insurance. I want to verify that the mortgage servicer is treating me fairly ( i.e., did they make a mistake that I am paying for now ) and that they acted in good faith to service my loan. I would also like to better understand my options in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
We fell behind in our payments back in 2014 following a really unreasonable modification. The modification was over {$1300.00} and placed our loan into 40 years. At XXXX years old we will never live to pay this off. A few months after the modification the payment went down to {$1200.00} a month. We fell behind XX/XX/XXXX due to the fact I am having health problems and my medical condition is on going at this time. We also lost about {$400.00} a month in income due to family members moved out of the home, in which they where contributing to the household at the time. We received a notice from the mortgage company Nationstar that we had to have in a payment just over {$2000.00} by a date in the letter in XX/XX/XXXX. We contacted our point of contact person XXXX XXXX and informed her we where having difficulty and that we needed more time. Again we contacted our mortgage company and the man that answered the phone told us we had to have in over {$4000.00}. We informed them we did not have that much but could make a payment and where awaiting our tax return. Within a week the amount went up to over {$7000.00} and they turned the account over to a lawyer for collection and foreclosue precedings. We have attempted since XX/XX/XXXX to make a payment in order to get caught up but they will not take any payment, in order to help us out. Now we can not even get a response from XXXX XXXX at Nationstar or the law office they sent the account to for collection. In the meantime we are just getting further and further behind. We where not looking for another modification just a forbearance to get us time to get our finances back on track. We did get a letter from someone at Nationstar that handles compliants but that only puts the side of the story out that tells how we are behind. How they says they are out to help us and wo n't even return our calls or talk with us. Feeling stressed out due to we have a son with a XXXX and fear we will be out on the streets.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc.
State: MD

Complaint narrative:
I received a letter initiating " collection action '' for a purportedly unpaid utility bill. The mailing address was correct, and I have an account with the utility company, but the addressee was " XXXX '' ( I have a residential address ), and the account number given was not mine. I have never received a bill from the utility company with that addressee name.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation