vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Enterprises, LLC
State: KS

Complaint narrative:
These are medical bill co-pays. On my Credit Report It shows that they have been turned over from XXXX XXXX XXXX XXXX, who owns XXXX XXXX XXXX Clinic where the co-pays were charged. They turned over the debts to Revenue Enterprises of XXXX California. The amount listed on the Credit Report for all copays that I owe is {$440.00}. When I contacted XXXX XXXX XXXX XXXX on XXXX, they said I would have to pay these through Revenue Enterprises Debt Collection Agency. I called them and spoke with on at XXXX who is at extension XXXX. I told them I wanted to pay the outstanding Balance that was listed on the credit report. He checked the account and came back and said I had a total of XXXX accounts with XXXX XXXX for co-pays through XXXX XXXX XXXX Clinic, and had XXXX options to pay the bills off. 1. By paying {$640.00}, I would be paying all of the outstanding accounts, and that these would be " wiped '' off of my Credit Report in about 30 Days after the paperwork goes through. Option 2. Pay an amount of {$540.00}, which would pay off all the accounts, but the accounts would still be listed on my Credit Report. I asked why the other accounts were n't sent to the Credit Bureaus along with the XXXX listed ( see document - revenue enterprises list on my credit report attached ). He said he did n't know why that is must be a paperwork issue. 

I was supposed to call him this morning XXXX -- XXXX at XXXX. CDT and choose which option I wanted. He would not give me a list of the itemized charges of the XXXX collections he had in his office. 

I since learned through the Consumer Financial Protection Bureau that promises of paying an amount to a XXXX party collection agency are not true, and that the collection agency had not authority to have the Credit Bureaus wipe the slate clean. 

I do not trust this person, or the Company. My Goal yesterday was to simply pay delinquencies of these XXXX bills that were sent to the Credit Bureau in the amount of {$440.00}. Then all of a sudden, there are these alleged other XXXX XXXX Hospital Bills that Revenue Enterprises said also needed attention.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Nationstar Mortgage XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Loan # XXXX This complaint is against Nationstar Mortgage because I successfully modified my current mortgage and I am not accepting the terms due to atrocious numbers. Foreclosure has begun. 

Approved for HAMP Tier II Denied for HAMP Tier I I have been using the XXXX XXXX XXXX for advice : I went to my court appointed hearing and XXXX District Court Judge XXXX would not help me with forcing restructuring of numbers. 

My current loan is XXXX at 10.8 % interest for 30 years. 

Nationstar took over my mortgage from XXXX XXXX XXXX which took over from XXXX XXXX. 

The HAMP Tier II is for {$100000.00} 40 years at 3.75 % interest with balloon at end {$35000.00} My property value is {$40000.00} I live at property and maintain and upgrade constantly. 

It is my hope that we as AMERICAN CITIZENS do not allow these banks to bully us around. They are trying to take over our properties and therefore ultimately take over AMERICA. 

If possible I would like the State of XXXX and US Government to intervene on my behalf and structure a FAIR mortgage for me. 

This will prove to the banks who writes the laws and enforces them. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
my husband and i requested for a modification, the mortgage company gave us a bunch of run around for two years sending paper work back and fourth to here and there and over and over and over. They had us believing they was going to give us a modification and then denied us and gave us a bogus excuse that we was not qualified for a modification and tried to foreclose on us. my husband and I had to file chapter XXXX to keep our home because the lender lied to us.So now we have a mortgage payment and a plan payment because of the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
1. XXXX, AS TRUSTEE FOR THE SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST MORTGAGE LOAN ASSET-BACKED CERTIFICATES SERIES XXXX filed its foreclosure action on XXXX XXXX, XXXX. 
2. A Final Judgment of Foreclosure was entered by the trial court on XXXX XXXX, XXXX. 
3. The Final Judgment of Foreclosure scheduled a mortgage foreclosure sale date for XXXX XXXX, XXXX. 
4. The Plaintiff and the Defendant, XXXX, entered into a Stipulation Agreement which was ratified and adopted by the Court on XXXX XXXX, XXXX. Pursuant to the Stipulation Agreement, the foreclosure sale was cancelled. 
5. Defendant, XXXX, filed for relief under Chapter XXXX of the United States Bankruptcy Code on XXXX XXXX, XXXX, Case No. XXXX. Defendant, XXXX, made a number of payments to the Plaintiff on the subject mortgage during the pendency of her Chapter XXXX Bankruptcy Case. 
6. Case No. XXXX was dismissed on XXXX XXXX, XXXX. 
7. Defendant, XXXX, filed a second Chapter XXXX Bankruptcy Case on XXXX XXXX, XXXX, Case No. XXXX. Defendant, XXXX, made a series of payments to the Plaintiff on the subject property during the pendency of her second Chapter XXXX Bankruptcy Case. 
8. Defendant, XXXX, second Chapter XXXX Bankruptcy Case was dismissed on XXXX XXXX, XXXX. 
9. Defendant, XXXX, filed her third Chapter XXXX Bankruptcy Case on XXXX XXXX, XXXX, Case No. XXXX. 
10. During the pendency of her third Chapter XXXX Bankruptcy Case, Defendant, XXXX, sought modification of the mortgage that is the subject of this mortgage foreclosure action. 
11. On XXXX XXXX, XXXX, the Honorable XXXX, United States Bankruptcy Judge entered an Order Approving Second Amended Mortgage Modification. 
12. The Bankruptcy Court 's Order Approving Second Amended Mortgage Modification effectively ratified the Mortgage Modification Agreement between the parties resulting in a new mortgage obligation and agreement. XXXX 13. Plaintiff has scheduled a foreclosure sale date of XXXX XXXX, XXXX. 
14. The Court scheduled and conducted an evidentiary hearing to determine whether to cancel the scheduled foreclosure sale based upon compliance with the mortgage modification and whether to dismiss the case. 
15. The evidence and testimony presented at the evidentiary hearing clearly established that the borrower had complied with the payment terms of the modification agreement and that the servicer was refusing to honor the modification agreement because a signed copy was never returned to the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
A modification package was sent to nationstar via email on XX/XX/XXXX ( please see attachment ) Nationstar employee XXXX XXXX in Arizona stated that they need 37 days to review the file therefore they were refusing to open and review and start the modification process. We requested a supervisor and XXXX XXXX also stated that the file can not be reviewed as it is less than 37 days before the sale date. The sale date is set for XX/XX/2015.It is very apparent the Nationstar is refusing to review the file and is making excuses to avoid a proper review. In California as long as there is 7 days before the sale date the file can be reviewed as long as all documents are in. Nationstar is failing to abide by California guidelines and it is very obvious they would rather foreclosure on this home rather than attempt to offer any type of assistance to avoid foreclosure. It also appears that the issues the XXXX family has encountered with this company are due to discrimination based on race, ethnicity, language, and national origin. Please also referred to HAMP Handbook XXXX Chapter V Protections Against Unnecessary Foreclosure states the following:XXXX Suspension of Referral to Foreclosure-A servicer may not refer any loan to foreclosure or conduct a scheduled foreclosure sale ( except as provided under Section XXXX ) unless and until the servicer has resolved the Escalated Case in accordance with Section XXXX. XXXX Suspension of Scheduled Foreclosure Sale-When a servicer receives an Escalated Case from a Requestor after a foreclosure sale date has been scheduled and the Escalated Case is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale as necessary to resolve the Escalated Case. At this time the XXXX family is requesting the sale date of XXXX be postponed so their file be reviewed without any discrimination. They will assert their legal right and name Nationstar as well as the foreclosing trustee as defendants in civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: ID

Complaint narrative:
We applied to refinance our XXXX lien loan under HARP. We also have a XXXX lien loan that is serviced by Green Tree Servicing, which needs to be subordinated. The subordination required a prepaid processing fee that was paid in advance and not disclosed on the GFE. 

The problem is the utter lack of customer service in processing the request and not with the nondisclosure. Green Tree requires communication between my mortgage company and them to occur via fax. This has proved extremely challenging in meeting green Tree 's requiring an AVM in lieu of an appraisal. [ It should be noted that XXXX is not requiring a formal evaluation in their approval. Thus, when Green Tree stated they needed an appraisal or AVM, we elected an AVM since no cost ]. 

The AVMs provided to Green Tree, as of XXXX XXXX, 2015, have not met their standards. As a result, our interest rate locks can no longer be extended without substantial costs incurred by us or accept current, market interest rates. Due to an increase in rates since application, this will result in additional interest expense over the life of the loan as well as a higher monthly payment obligation. 

We, including our loan officer, have never experienced such a lack of customer service. This experience reminds me of the foreclosure debacle, which Green Tree was investigated for. Unfortunately, lessons learned were not relaized by Green Tree subordination. We as customers can not talk with this team directly. Repeated calls to their customer service team have resulted in apologies and calls that are transferred to incorrect resources. 

We are above average consumers ; college graduates and former XXXX. We are willing to overlook human errors but this appears to systemic rather than an isolated instance. The undo additional requirement of requiring an appraisal or AVM has resulted in an application that will now result in additional costs that we could not have reasonably avoided. 

We appreciate you looking into this matter so no other consumer experiences what we have. We will incur additional costs as a result of this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Nationstar bought my mortgage from XXXX XXXX XXXX and are refusing to honor my original contract with XXXX XXXX XXXX. My XXXX XXXX XXXX contract had me paying 1/2 my payment every two weeks .. this resulted in one full extra payment every year ( good ). However Nationstar says they are forbidden by a contract with XXXX XXXX from honoring that portion of my original contract. .. They have contracted with XXXX XXXX to process payments for them in that manor ( of which they charge an additional XXXX a year to do ) ... .. ... I am still paying my payments every two weeks ( to honor my contractoral agreement ) .. but Nationstar is refusing to apply the full amount I pay to the acct. They are putting it into a SUSPENSE ACCT and only taking out what they say is my monthly payment ... which is resulting in them not applying the extra to the principle which is resulting them in charging me extra interest ... I have also contacted the Attorney General and am hoping that they criminally charge Nationstar as well for Embezzlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I applied for a mortgage for a refinance on a second home from Quicken Loans in XXXX of 2016. As part of the process Quicken asks for a good faith deposit, in my case {$500.00}. The first issue I ran into with Quicken was them not being able to obtain an appraiser before the rate lock expiration. They told me they would extend it, which they did, but then another issue came up. They apparently had a problem with the classification of my home and decided that it had to be placed in in a riskier classification, increasing my closing costs. We discussed the matter several times and finally reached an agreement on the closing costs. A couple of days before the second rate lock expired I contacted them to see why the loan had still not closed and was told that they working on it. Sure enough the rate lock was missed again. I checked my account and sure enough they had sent a new redisclosure letter with an increased rate. Considering what I had been through already I asked to be withdrawn from the loan and a refund of my deposit. After not hearing from them for a week I called to see what was happening to the deposit. I was told that they were allowed to deduct fees from that deposit and was informed the appraisal was approximately $ XXXX so no refund would be coming. I asked for the invoice on the appraisal and imagine my surprise when the invoice showed XXXX {$500.00} not the ~ {$700.00} I was told over the phone. Given the fact they raised my price on the loan twice, because they could n't close on time, and apparently were less than truthful about the cost of the appraisal I believe that some amount of the deposit is due back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
I am XXXX XXXX XXXX writing this complaint. I am a resident of XXXX, CA and have my residence at XXXX XXXX, XXXX, CA XXXX. I had purchased this property from a company called XXXX XXXX XXXX in XXXX. This company got closed and was shut down due to Bankrutpcy. Later, various banks such as XXXX XXXX XXXX, XXXX Bank, XXXX XXXX and The XXXX started sending me letters on the property claiming Illegal and Fraudulent Ownership on my home in XXXX, CA. In the year XXXX, my then attorney, sent legal notices to these various banks and also filed complaint with The California XXXX Department XXXX XXXX XXXX and The XXXX Office XXXX Controller of Currencies and filed serious complaints against these banks. Recently, on or about XXXX XXXX, XXXX, The XXXX Mortgage XXXX and XXXX XXXX XXXX illegally and fraudulently claimed ownership on my home and they allegedly sold my property through illegal auction sale and sent some people of their own in my home criminally trespassing my home, and taking unlawfull possession of my home, all my personal belongings and other property. I never had any Truth in Lending Agreement signed between myself, or my exwife XXXX XXXX and between any of these banks, and/or specifically with The XXXX Mortgage XXXX and XXXX XXXX XXXX. I believe that The XXXX Mortgage XXXX and XXXX XXXX XXXX is barred by the State and Federal Statutes to enter into another TILA with me and/or with my ex wife, XXXX XXXX. The XXXX Mortgage XXXX and XXXX XXXX XXXX were previously on Notice throuth The California XXXX Department XXXX XXXX XXXX and the XXXX Office of Controller XXXX Currencies on this matter. The XXXX Mortgage XXXX and XXXX XXXX XXXX have unlawfully entered into my home, occupied it unlawfully as Constructive Trust and as Adverse Possession without the Color of Title and without the Color of Law and Authority. Criminal charges must be filed against the officials of the XXXX Mortgage XXXX and XXXX XXXX XXXX immediately. I am gravely hurt and I need justice. This complaint is an Administrative Lawsuit against The XXXX Mortgage XXXX and XXXX XXXX XXXX. I seek the assistance of the XXXX Consumer Finanical Protection Bureau in this matter at the earliest. Respectfully Submitted, XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
We purchased a new home XX/XX/XXXX. XX/XX/XXXX we had someone wanting to Assume our previous loan with NationStar Mortgage ( the house we moved out of. ) We began the Assumption process XX/XX/XXXX and submitted everything asked for at the time. We have now been working on this process for just over 14 MONTHS. We 've contacted them I can not even begin to say how many times. They 've given the run around to us from the get go. From telling us they can not do Assumptions ( yes, they can, it 's in our mortgage and loan contracts ), to we had to put her on our TITLE to our house before they could see if she 'd qualify for the assumption, to just plain no response, to documents are missing but no one can tell us what. XX/XX/XXXX we were finally given a list of documents needed including Purchase Agreement and Title Insurance Certificates. These documents were procured and then it took me approximately 3 weeks to get a fax number to submit these documents. On XX/XX/XXXX these were faxed in, all documents requested except for XXXX. They wanted a divorce decree and there WAS no divorce involved in our situation therefore no document to submit. I 've spent the past 3 1/2 months now trying to get an answer and update. All anyone will tell us is that it 's " in process. '' Then, XX/XX/XXXX, I was told that a letter had been mailed on XX/XX/XXXX and give it 7-10 business days to get to us. A letter still has not been received. When trying to call I 've been hung up on numerous times. The woman trying to assume our loan also called about three weeks ago and was ALSO told a letter was just mailed the day before. She also received nothing. This has to end. We 're just trying to do the assumption which is supposed to be a relatively easy process. They 're blatant incompetence and or down-right shadiness is inexcusable if not even, perhaps illegal. I guess we 'll find out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I received XXXX consecutive 30-Day Lates with Nation Star Mortgage when I paid my mortgage on-time. Nationstar did not notify me that they placed an Escrow account on my mortgage which increased my mortgage about another {$250.00} in which I was unaware. As I paid my normal mortgage amount on time each month, Nationstar took my payments, put them in a holding account, deemed me as unpaid and issued me XXXX 30 day lates and they refuse to remove them. Attached is my proof of payment of both mortgage and property taxes. I need help getting them to deal fairly with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar mortgage purchased my loan from XXXX XXXX XXXX. Shortly after I refinanced with Nationstar to lower my MMP and APR. My new payment was {$1200.00}. I recently checked my bank account and Nationstar increase my monthly minimum payment ( MMP ) to {$1500.00}. I noticed that they increase my MMP months ago without informing me. I called and asked for an explanation and they said that it was because my taxes increased. I educated them that it was not possible. They then said that it was because I did n't have enough money in my escrow account. I 'm upset that I never had this problem with XXXX XXXX XXXX in regards to my escrow. I paid into a escrow account monthly and there 's no reason why I should be thousands of dollars negative. This was a miscalculation when my home was refinanced. My annual taxes are around XXXX XXXX dollars and it still estimated to be the same amount this year. Theres no reason for Nationstar to increase my payment {$330.00} unless they failed as a bank. This is causing a problem for my finances and needs to be fixed. I am currently paying more after refinancing then I did prior with a high rate and a higher amount financed. Nationstar is acting like they 're XXXX different banks. My previous loan prior to my refinancing was with Nationstar who purchased it from XXXX XXXX XXXX. However, they are basically saying that it 's a XXXX XXXX XXXX issue and not their fault or responsibility. I put 100 % of the problem with Nationstar. They should have ensure that everything was 100 % when I refinanced and they did not. One month after I refinanced they increased my fixed payment.

Company response to consumer: Closed with explanation