vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TX

Complaint narrative:
In XXXX we applied for and received a governmentmodification through our mortgage company XXXX. 
In XXXX of XXXX our mortgage transferred to NationstarMortgage. During this time we paid our mortgage ontime each month for the amount listed on our statement. 
In XXXX of XXXX I was informed by Nationstar that ourmortgage would be going up very significantly becauseour previous mortgage company XXXX had been lettingour escrow account go into a negative state of over XXXX said we would need to repay all the money and wantedus to repay in a short period of time with extremely largepayments. I told them I could not pay that amount andwould end up losing my house. After several phone callsand begging they agreed to let us stretch out the repayment. 
Our mortgage is now over {$600.00} more per month. 
I asked for an explanation on how something like this couldhappen and asked several times to speak to a supervisorand was never able to. I even sent a certified letter toNationstar and never received an answer. I asked for ourPMI to be removed to help lower our payment but becauseof the negative escrow amount they said they consider ourloan to be delinquent and until it is all paid back we will notbe able to get rid of our PMI. I said to them our paymenthistory should be considered and that it was n't my fault thatthe previous mortgage company let this happened. I askedwhy it took so long for them to figure it out as I had made 9months of payments to them at the lower amount. They saidthey had done an escrow review and discovered the issue. 
I learned of the increase by calling to pay my mortgage theynever even sent me a letter to explain or show whathappened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
A recent job loss cause me to fall behind on my mortgage, and my mortgage company offer me a loan modification to help but the payment from the modification was the same or if not more than what I was paying before my hardship. so I made the down payment but fell behind again. I contact the mortgage company and they sent me a package to modify again so I did it promptly and when I called to follow up they told me that my house is in foreclosure status already and the person who sent me a package via email and thru the mail sent the info by mistake. I thinking that I had hope to find out I was given out false information. Please vacate the premises in 30 days. I had the house since 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Can't contact lender — 
Company: BB&T CORPORATION
State: AL

Complaint narrative:
XXXX XXXX claimed he worked for BB & T said I was approve for the Obama Government loan of 2.25 % interest on my Home But had to send XXXX to be able to get this rate by XX/XX/XXXX and then he would send me all of the paper work also talked to a XXXX XXXX which he claim he was a Manger for BB & T to let me know I was Approved .So I sent the money now I find out that was not true so I am out XXXX the phone number is XXXX I have the recipient for it. I found out it was not true now I want my refund they said they would give me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In XX/XX/2015 I hired a law firm to do a modification on my loan because I was having problems with my mortgage payments from XX/XX/XXXX to XX/XX/XXXX I did 3 trial payments XX/XX/2015 was my 1st normal mortgage payment, in XX/XX/2015 my mortgage company made a mistake applying my XX/XX/XXXX payment to the mortgage principal And they admitted to the mistake and they told me on a recorded phone conversation that they were going to fix and reverse there mistake, then around 8 months pass by and I get a call from the mortgage company telling me that I am pass due 1 month due to the monthly payment they did n't recived back in XX/XX/2015 the same payment they admitted they made a mistake on in that same call they told me that they were going to open an investigation regarding this matter they told me to wait for a call from there supervisor, I get many more calls from many persons from this mortgage company all of them telling me that I am pasado on up to 2 monthly payments when I sent them proff that I have sent all of my payments on time. I have never heard the results of there many investigations that they have performed on my situation. Since then mi credit score has dropped a lot and the late fees keep on staking up. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
Nationstar mortgage, Said I was a month behind in my payment ; I knew that I was n't, But just to play it safe, I went ahead and made another payment and then notified my bank and had a lady I know that works at the bank go back 2 years into my account and see if I had missed a payment ; She could not find a missed payment and she has been talking to Nationstar mortgage and keeps on getting the run around with them ; So I made an extra payment, That I said I wanted credited to principal and they have not been understanding that they are the one 's making the mistake!!

Company response to consumer: Closed
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I put my house up for sale. I received an offer and I excepted that offer. The buyer had numerous issues with their lender ( required paperwork and inspections that they were not aware of ) This caused numerous delays and postponement of the final closing. I notified my lender ( NATIONSTAR ) of these delays, I assured them that the property was in contract and would be sold. The Nationstar Reps. repeatedly assured me that there was no problem and that everything was OK. It was always very difficult to talk to a live person at Nationstar and when I was able to talk to someone it was always a person with a very heavy accent that did not seem to understand English very well. So to protect myself I wrote a letter to to Nationstar explaining the situation on two different occasions. 
We were finally ready to close on the property and requested the Payoff from Nationstar. 
Nationstar sent us a statement with the payoff amount. We closed and the house was officially SOLD. 
Six days later Nationstar sent another payoff statement. This statement is {$2400.00} more. 
Nationstar said the additional charge is for " Legal Fees '' because they had started the foreclosure 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 2016-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: NY

Complaint narrative:
I have a report debt of XXXX $ that I 'm not sure where it 's coming from. I 'm looking to contact and speak with somebody that can help me figure this out and fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I modified my house XXXX 2016 with Select Portfolio Servicing. through HANDS in Florida It was approved with a three months trial of which I had to call to get the this information, I told them that I will not pay any money until I get it in writing. I did it in writing for the trial period. 

The permanent document to sign, I did not get until XXXX 2016 dated in XXXX 2016. I have been paying my new approved mortgage every month since then, but they keep sending me threatening letters that if I do not pay the {$4100.00} which is the amount I was delinquent before the modification. Then, they sent a letter that coming next XXXX my mortgage is going to increase to $ XXXX. I can not afford this amount. They say there are debt collecting agency, and when I asked them prior asking HANDS of Florida, they said they were not in a position to assist me as they are debt collection agency. Yet when HANDS contacted them for the modification they were able to do it. I do not know what kind of mortgage company is this, gving conflicting information and so I would like your company to investigate them. Currently, HANDS are trying to work with them but to no avail. 

I would like if you could help me deal with this company which forever harassing me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX I received an XXXX dispute update indicating Foreclosure proceedings started on XXXX XXXX. 

Nationstar has started foreclosure proceedings without any noticeto me. 

Nationstar 's predecessor, XXXX XXXX XXXX transferred loan number XXXX that had a XXXX balance. Nationstar 's predecessor 's agent sold the property associated with the loan number XXXX in a foreclosure sale on XXXX XXXX, XXXX. 

I have been in litigation with XXXX XXXX XXXX, Nationstar 's predecessor since XXXX XXXX, XXXX. This lawsuit is currently pending in the XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX v. Bank XXXX New York XXXX and others. 

Nationstar was transferred a zero balance loan and now they are claiming I am {$110000.00} past due according to the XXXX XXXX, XXXX credit report date. 

I have never executed any loan agreements after the foreclosure sale to reinstate the loan XXXX. Notwithstanding, reinstatement or any other loan agreement would fall under the Texas Statute of Frauds. The Statute of Frauds bars any collection of debt by Nationstar if it 's not in writing. 

Nationstar claims I am $ XXXX delinquent, which is equivalent to about 61 months. The foreclosure sale took place on XXXX XXXX, XXXX, 47 months ago. Ironically, this is the number of months Nationstar showed the account delinquent when is was transferred on XXXX XXXX, XXXX. 

Nationstar ca n't provide any explanation for the 47 month delinquency when they were transferred the loan from their predecessor. Their predecessor, XXXX, never sought to collect any payments after the foreclosure sale on XXXX XXXX, XXXX. In other words, between XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX never sought to collect any payments on loan XXXX. My credit report showed the last account activity from XXXX XXXX XXXX referencing loan number XXXX was in XXXX XXXX. 


Nationstar was transferred this loan on XXXX/XXXX/XXXX, almost eighteen months ago. I need them to validate the debt. 

1. What loan agreement or legal document ( s ) was executed to reinstate the loan XXXX after the foreclosure sale? 
2. What date was the loan XXXX reinstated after the foreclosure sale? 
3. Who are the parties that reinstated the loan XXXX? 
4. What actions reinstated the loan XXXX? 
5. Was Nationstar a party to any reinstatement or loan agreement after XXXX XXXX, XXXX? 














.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Refinanced condo about 5 years ago and they have change banks XXXX times and now with Nationstar. They are trying to force me to go with direct payment by mailing their bill to me late so they can charge me a late fee. I have contacted them by phone about this on XXXX different occasions and received it in a timely manner this month ( XXXX XXXX ) but they failed to remove late fees as agreed. Please try calling them at customer service XXXX and you will understand why I am sick of dealing with Nationstar! My credit rating is over XXXX!

Company response to consumer: Closed
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I applied for a loan modification recently and was denied based on the fact that I had a prior modification from XXXX. In the modification from XXXX, our loan payment increased by XXXX along with our principal balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I had a second mortgage with Nationstar that was removed through a chapter XXXX bankruptcy. The lien was removed and the recorded document of the lien removal was sent to me. When I go on to my Nationstar account, for my 1st mortgage I still have with them, unfortunately, I see the information listed below. When I call the collection company, they tell me yes the lien was released. " Do n't worry about what you see on your Nationstar Account, only you can see it, no one else. No one has ever called before about this. '' The customer service man also told me that the collection agency listed below is a subsidiary of Nationstar ( Nationstar IS a collection agency! ). I asked since they are related, would you please communicate to them to remove it. He told me he can not do that. He told me not to worry about it since it is no longer on my credit report - how did he know that? 

YOUR ACCOUNT HAS BEEN CHARGED-OFF AND HAS BEEN PLACED WITH XXXX FOR COLLECTION OF THE OUTSTANDING BALANCE. 
Note : the charge-off of your account does not affect your obligations under the terms of the Note and/or Security Instrument. 

Please contact XXXX to discuss repayment options at XXXX or email XXXXXXXXXXXX or visit XXXX online. 


LOAN NUMBERXXXXMATURITY DATEXXXX/XXXX/2037INTEREST RATE8.313 %

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Merchants and Medical Credit Corporation, Inc.
State: CA

Complaint narrative:
I have been repeatedly contacted at work by Merchants and Medial Credit Corporation XXXX XXXX XXXX, XXXX MI XXXX about unpaid tuition fees, after receiving a notice in the mail 1 week ago. I am unable to take personal calls at work. They have threatened that they will continue to call me at my place of work until I 'm able to come to terms. I live in a different time zone from them and have a hard time connecting to them outside of work and plan to communicate with them on a Saturday when I do not work. I think that this is harassment. I have asked that they not contact me and that I will call them on Saturday, as I said I just received the collection notice on Monday. Additionally the person that called me was very rude and aggressive. They would not listen to me when I was asking them to stop calling me at work and that I would call them back. He said if I did n't pay something right then that he would just keep calling. I explained that it is impossible for me to pay as I do not have any money and he still would n't stop.

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 2015-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
I was called by Quicken loans and offered a deal on a refi i told them i would only think about it they could offer me a good deal on a fifteen yr with a lower rate they made me a offer. 
we took the next step in the process which told i had to give a {$500.00} deposit to proceed and told it was refundable, when i got good faith estimate my wife and looked it over and we decided to withdraw from loan XXXX/XXXX/2015 i tried to contact the adviser and was able to get in touch him i had to call someone else they said they would withdraw the loan and everything will be all set, i followed up yesterday cause i had not got my refund yet and the person i spoke to looked in to it and said the loan had n't been withdrawn yet, i spoke with a supervisor they said they would look into it he called me back and said i would be able to get all of my refund because they had uncured charges during the process i called to withdraw 2 days before the appraisal so i should be able to get my money back, i was being charged ridiculous amounts and fees in closing costs, Another company was able to offer me a better deal without all those fees and costs, they take good faith deposits and find a way to keep it if you withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nation start starts calling on the XXXX of the month 3 times a day. They push on me verifying personal information and they get very rude, when I tell them I do n't give personal information over the phone. I have told them multiple time that I cant talk due to being at work and they call right back. I have asked they contact me by mail only and they still keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
Hello, I have an account in collections with Calvary Portfolio in NY for a previous account I had with XXXX Bank which was a credit card used for XXXX bills. We had a balance of {$460.00} as of XXXX 2014 with XXXX Bank which was charged off to Calvary and they are now charging us {$1000.00} and will not settle for less than that amount. I have contacted both XXXX and Calvary attempting to settle for at least {$500.00} or {$600.00} but they will not work with me. This is the only collection agency that has not been willing to work with us. I do not think it is fair that the charge off was more than the owed amount. This is highway robbery, specially when this is for XXXX bills and when we are looking to pay it off. Please help us as we have been dealing with this for over XXXX months now. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I signed up for a Citi Gold bank account through a promotion ( promo code XXXX ) and completed the requirements in order to receive XXXX XXXX XXXX miles. 

Here is the Summary of the Promotion Requirements for XXXX XXXX : - Open a new Regular Checking account in The Citigold Account package by XXXX/XXXX/16. 
- Then, within 60 days after account opening : the required minimum amount {$1000.00} of purchases using the CitibankDebit Card must be posted to the new checking account AND XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

Fulfillment : The AAdvantage bonus miles will be credited by Citibank to the customers AAdvantage account within 90 calendar days from the date when the customer completes all offer requirements. 

I opened a Citi Gold checking account on XXXX/XXXX/16. I received confirmation from Citigold Customer Service that I met the promotion requirements on XXXX/XXXX/16 ( documented and saved ). 

Per the promotion requirements, 90 days after my completion date was XXXX/XXXX/16. I have tried contacting Citi multiple times asking when I will receive my XXXX AA miles and they have not provided a firm date or deadline regarding when this will be accomplished. They told me that they are going to open up a case regarding my question but they do not have any definite timeline regarding when I will receive my points. Please help. Thank you!

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 non-monetary relief
Consumer complaint received 2016-11-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
In XXXX 2016 while shopping in Macy 's the cashier offered me to open a n XXXX XXXX Macy 's credit card. I accepted and has been approved. The cashier gave me a temporary pass and said that the new card will come in a week. Unfortunally, the cashier did not verified my address which has been changed in the last two years. I never received a card nor a statement. Because of this I missed the payments. I was contacted by debt collector, then I called XXXX Macy 's customer service and explained what happened. They changed my address and sent a new statement with Fees listed. I called the company many times explaining that the late payments were not my fault, I paid in full the balance of the goods I purchased and I am still am harassed by the bills every month, and they did never send me a credit card. I would appreciate the help in this issue. 
Thank you.

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 monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX 2016 a check was sent to Macy 's Credit Card to pay of the entire balance. The check was deposited into Macy 's Citibank account on XXXX XXXX ; however, the payment was not applied to my account and as a result I was charged a late penalty + newly accrued interest when the billing cycle reset. I 've called them multiple times and Macy 's customer service told me they have no record of my payment. They then instructed me to fax in proof. I sent them a copy of the statement I was paying off in full as well as the XXXX check image provided to me by my credit union. To date my account still does not show this payment as being applied. I was told that they do n't have a way of finding out who 's account my payment was applied to - I do n't buy that one second!

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 monetary relief