vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I normally pay my monthly mortgage to Nationstar online through an email link. This month the link did not work. I XXXX the web address. The website required that I submit my zip code and full social security number. I did not submit the full social security number because I was concerned about identity theft, and called the company to question as to whether they had been hacked. They had not. It is their policy because they have a new website to verify the full social security. I have seen companies verify only the last XXXX not the full social security and explained that to them. They have a total disregard for their customer security, asking for a full social security number online. I will not provide that and so now I am unable to use their online payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
My wife and I sold our property XX/XX/XXXX. We have been waiting since that time to receive a corrected Discharge of the Mortgage that references a Modification Agreement and a XXXX Mortgage recorded XX/XX/XXXX. The original mortgage, obtained XX/XX/XXXX, was Discharged XX/XX/XXXX, post closing, but it did not include the reference to the Modification liens. The closing attorney will not release a portion of our proceeds until the XXXX modification liens were referenced in a Discharge. Subsequently, the lender, Nationstar Mortgage Company, LLC, sent a revised Discharge with a reference only to the Modification Agreement but not the Subordinate Mortgage. The lender keeps dragging its feet and has one excuse after another as to why they ca n't or wo n't reference the XXXX Mortgage. At first they said the payoff XX/XX/XXXX released both liens because they both had the same loan number, MIN number and FHA case number. Now they say they do n't have the authority to reference a Discharge for the XXXX Mortgage even though they prepared the documents. The latest tactic is to blame the Registry because they require a release of both liens and they do n't think it is required. My attorney has been working diligently with them but has lost all patience. She suggested I file this Complaint and see if it would do any good.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
My mortgage company has increased my monthly payment from {$800.00} to {$960.00}, with out notice. Claiming this is due to a shortfall in our escrow, and an increase in our insurance premium. There has never been a shortfall in our escrow, and our insurance premium has not changed since before Nationstar acquired our mortgage. I have confirmed this with my insurance company. Also Nationstar overpaid our insurance premium, and will not acknowledge that the insurance is anything other than what they have stated, which is increased by 15 %. When contacted about the issue, I have received several answers to the reasons behind the increase, 1 ) our taxes were reassessed, and the tax rate has been increased, 2 ) there was a shortfall in our escrow account, 3 ) our insurance premium has increased. 1 ) My Tax rate has not gone up since the house was built, 2 ) there was never a shortfall in the escrow account before Nationstar became our mortgage servicer, 3 ) our insurance premium has not increased since we bought the house, it has decreased. I also never received anything from Nationstar letting me know that they had purchased my mortgage, I had to contact my previous provider to find out how to pay my mortgage.

Company response to consumer: Closed
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
It has been an arduous process getting NationStar to respond to my request in resolving account information. Today, I received via email a letter NationStar sent to the property address of the tenant ( XXXX XXXX XXXX ) and it was opened by the tenant/property manager. NationStar promised to send this same letter to my address on file, yet it was sent to the property address ( XXXX XXXX XXXX ). The letter is addressed to me at my correct address ( XXXX ) but arrived at the tenants home. NationStar has once again brought my tenant into a situation that is between XXXX parties. In the past, a representative from NationStar knocked on the door of the tenant months ago and asked questions along with providing a business card to her. My tenant should not be involved and NationStar is not upholding its end of the agreement by not providing information requesting. Instead, they are relegating me to a modification for 40 years at 9.875 %. This is definitely unlawful for {$280.00} Principal Balance that was not applied when paid in XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I was havng problems and they gaveme a modification. I made the 3rd test payment on themodification and they then said never mind we were kidding your not getting a modification. I 've gone crazy trying to catch up and they have chanrged me almost {$800.00} in fees that I have no idea what they are. it seems for every 2 payments they are taking one payment in fees

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: WI

Complaint narrative:
I am trying to refinance my first mortgage through my bank back in XXXX 2016. In the process they said they needed a subordination from my second mortgage lender to proceed. My bank filled out and sent the necessary paper work along with the {$250.00} fee for the subordination. The check was cashed by Nationstar but they continue to stall. I was hoping to refinance to a lower interest rate 3.75 % XX/XX/XXXX now its almost XX/XX/XXXX and they continue to stall and not respond. That new interest rate could have saved me {$200.00} a month on my payment. Now the rate lock expired long ago and rates have gone up. My bank has repeatedly emailed and called with them saying you will hear something soon then never respond again. I have called and emailed several times with no response. They should not be able to hold me hostage like this. Its my second mortgage and I have been paying it faithfully for years. I would have never expected this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WI

Complaint narrative:
undisclosed fees from my mortgage company showed up on a statement, when I called to question them .... they said they were fees dating back since 2011 for driving by my home to see if it was still occupied even though I have always made the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
I received a reply to our complaint XXXX. They say we do not qualify for anything. Which I do n't understand. The state of Maine requires the mortgage co to allow us to have mediation first. They did not finish our mediation. There must be something they can do. At one point they locked us out of our home. It took them a week to go and take the lock off the door. We had to turn around after work and drive back to mass and stay with my father. No clothes nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
my mother and i owned a home between us, while i was not on the deed, she took out a reverse mortgage in XX/XX/XXXX, she passed away in XX/XX/XXXX. A month later I received a bank letter of default, she never informed me of doing this so it was a shock. I have been living this never ending nightmare since than. On the advise of a attorney to protect my interest in the home and property as i had help purchase the home originally with inheritance money, I filed a Chapter XXXX. The bank had several opportunities to contest, they did not, than a year into the bankruptcy and a confirmed plan, the servicer for the bank filed a motion to lift the stay. I have found papers and mailings to my mother which obviously had her fooled to thinking this was a wise decision. My mother left everything in a trust for my children and we also had a notorized agreement that the home was 1/2 mine. There is a stack of mortgage papers atleast XXXX inches think, there is no way all that was explained to her, just initial here areas and no indication of having any legal advise. What appears to be the first mailing to her the pamplet is briefly written and sounds wonderful to our elderly family members, I see how easily they can get fooled. I have been in bankruptcy just about every few weeks lately, with this horrendous fight. Another issue I have had is people really understanding the reverse mortgage differences vs traditional.At first the judge saw the 'human side ' to my story, and saw 'red flags ' when the term 'reverse mortgage ' came up. I thought i had a fighting chance. However, with many loopholes and people really being misinformed, the judge decided to grant their motion to proceed with the foreclosure.just today. I am devastated. I am a firm believer these need to stop, the loopholes and strings they use is incredible and like sugar coated crimes against the elderly and their heirs, This company has made no attempt to work with me even when the matter was brought to court on accepting payments from me, they refused, saying they have no obligation to do so and that was just during the bankruptcy plan till a refi could be obtained.i believe this was a misleading and deceptive transaction and want some resolution to keep my home from these vultures on our loved ones

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC
State: OH

Complaint narrative:
I was misled on the interest rate and money I would need to pay back. I borrowed {$300.00} and each month only {$10.00} to principle. This month I owe {$170.00} and my payment is {$61.00}. XXXX dollars towards principle and {$51.00} in interest. This is outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I have XXXX mortgage loans with Nationstar Mortgage. XXXX of the loans was paid in full because I sold the home. Nationstar Mortgage withdrew a XXXX payment from my bank account for the property that was already paid off from my bank account. Therefore my primary residence loan that I have with them was unable to be paid because of insufficient funds in my bank account. I contacted them as soon as I realized what happened. I spoke to several representatives regarding this issue. I was transeferred to a manager and she said they would send a check to me. After 2 weeks i contacted the manager and she said they would transfer the funds to my primary mortgage. I received a letter stating that my loan was 35 days past due and was going to be sent to the credit bureau. 3 weeks later and I just received a check from them and it is short {$1000.00} from the payment they withdrew from the account. I have been unable to get into contact with the manager at this time to see why the account is short. I would like to get the remaining balance of {$1000.00}. I need this to pay my mortgage. I do not want my credit to be affected by their discrepency. I have phone records and emails that show how many times i tried contacting them regarding this issue. 

Please contact me regarding this issue ASAP. I can not afford to have a delinquent payment on my credit. 

Thank YouXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have been having problems from the beginning first starting XXXX. I was denied a loan modification time and time again. finally after the Obama enforcement went into affect they started working with me on a loan modification and qualified for reduced principle reduction. Instead they offered me a loan modification that increased my principle and added XXXX dollars to my loan. all the time I was fighting for a loan modification they added all kinds of undocumented latefees, escrows principle and interest payments ect. I was in dispute with them and working on getting a principle reduction, then I was transferred to Nationstar not aware. Nationstar communicated to me both verbally and on their website, that I was still in process for a loan modificatioin review for my principel reduction. several months later they notified me that they updated there system and I was not in review for loan modification correction and now am behind. I spoke to several managers that were going to credit me all late fees and the months my account was in limbo waiting for them to figure it out. but instead they threatened me to bring funds in or get foreclosure. I contacted them recently about my payments, asking about late fees that should n't be there and why is payment history does n't reflect accurately. I asked to make arrangements to send payments as I could but they pushed my loan to foreclosure and added several XXXX dollars in fees over XXXX. and said I know have to pay the entire thing current. I have never been able to have a single point of contact. I have to explain the story over and over each time I call and the person I speak to does not have any resolution. a letter is sent out that says my single point of contact is, but this person never answers or returns calls. they make it impossible to resolve, they are not working with me on keeping my home or making payments. I have informed them I can make lump payments but they will not accept. they keep adding fees and increasing my total due. I can never get to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
During XXXX XXXX, the state of NJ was hit hard. It was a natural disaster. As with others, my husband and I suffered financially. I asked Nationstar Mortgage to move the payment to the back of my loan, they advised they would be in touch but no one ever returned a call. My family had arranged this with their mortgage companies and no one had issues. I started receiving notices that I was late or not making a payment. I have never been late since then. I have been sending them letters, emails and making phone calls asking for help but they have proven to be heartless. They have now impacted my credit. All other loans have been paid off but they are preventing me now from being able to move forward. I even requested to be able to pay the mortgage payment for XXXX XXXX and the fees be waived but they proved either further to be heartless and not care about their customers. I need to be able to publicize the disgrace and demonstrate how greedy they are. I really need to finance but since this is on my credit I am struggling. Please help me. I have worked relentlessly on ensuring my credit is kept up to par to allow my family and I to have a great life. The records will indicate that I have never been late on my mortgage payments until this was placed on my credit. I do n't understand why they do n't want to work with their customers. At the time, my job was shut down so I was n't paid so I just needed more time. XXXX XXXX XXXX and all other debtors were more than understanding and was happy that I was alive! Nationstar Mortgage did n't care if my family and I survived, they only wanted their mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
My property is in Deed of Lieu and they are claiming that I have missed fourteen payments. I have not missed any because I have re-modified my loan. Could you please correct this on my XXXX and XXXX reports. The account number is 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 2016-05-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hi my name is XXXX XXXX I have a loan with NationStar # XXXX property XXXX XXXX XXXX XXXX XXXX, CA XXXX I have been trying to avoid foreclosure by requesting a loan modification form my lender, i believe i am a victim of predatory lending and my lender is engaging in violations of the Home Owners Bill Of Rights such as dual tracking. they have refused to work with us to obtain an affordable mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
Hello, I am in the middle of a loan modification. My loan servicer asked me to send in a cashiers check for {$200.00} to cover the cost of the appraisal. The letter states " to send {$200.00} within 14 days of this letter ''. The letter was written XX/XX/2016 I did not receive the letter until just prior to the 14 day period. I contacted the servicer and was told it must be mailed within 14 days not received. I then mailed the certified funds immediately. The loan servicer then cashed the check, kept the funds and denied my appraisal since they did not receive the funds within 14 days, not what the letter said. Now they want me to refile and send another {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I applied for a assumption with Nationstar Mortgage on XXXX XXXX, 2016 and as of today 's date they can not tell me whether I 'm approved or declined. I have submitted the documents requested more then once, changed the contract dated per the mortgage lender with Nationstar because it is out dated, and I signed disclosure as of XXXX XXXX, 2016 which I believe they are out of compliance. I have tried to speak with a supervisor of which no one can give me a name or number at the XXXX number or this mortgage lender. The original mortgage lender is now out of the picture and another person has stepped in. This person has asked for information that I has already given them and they still tell me that the wait time for a approval is 30 days from todays date XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I was looking for a Mortgage in XXXX of last year. I contacted quicken loans. They pulled my credit and told me at that point that I need to sell my old home to get another mortgage. At that point I was not interested in the loan. I got calls repeatedly and I informed them I am not interested in the loan. They pulled my credit again in XXXX of 2014 without my permission. When I called Quicken loans, I was lied to and said, oh this is a soft pull and does not effect your credit. 

I contacted Quicken to get this inquiry pulled. The refuse to remove it stating that I signed a document stating that they can pull my credit whenever they want. I told them that I am no longer interested in the loan and they should not have pulled my credit without asking me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Dear government agency, My loan account XXXX I have been being victim from Nationstar Mortgage for cheating as servicer. They have told me to help me to cooperative with them to avoid foreclosure. I have been cooperated with them and they lied and foreclosed my house today XXXX XXXX, 2017. They do n't even tell us that they will foreclose today. I just noticed today. I was so sad to me since they promised me to coop with them. I have been listed the house and did as they directed. They told me that they will have my house approved for short sale auction with XXXX and as long as I signed agreement with them. On the agreement they did say that if I agreed to let them auction my house at XXXX, they will suspend the sale date and help me walk through the process. However, the auction end yesterday with no bidder, they foreclosed my house today. I do n't think they do something fair to give me a chance to avoid foreclosure. I do n't even notice that the foreclosure sale is today too. I relied on what they said and promised.

Company response to consumer: Closed with explanation