vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Nationstar Mortgage , LLC refused to provide me with my Promissory Note and more importantly refused to provide me with the name of my mortgage company in spite of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Basically, NATIONSTAR MORTGAGE continually raises my monthly payment by spending my escrow monies on fraudulent insurance policies which I have no need. The mortgage on the condo that I have owned for 16 years was recently reassigned to NATIONSTAR. I have been assessed fees and increases under the guise of " needed insurance ''. I have never let my property insurance expire since day one. Have annually supplied a copy of the condo master policy with flood insurance coverage and my " wall to wall interior '' policy to NATIONSTAR. Recently I refused another increase and forwarded my regular monthly payment, without their bogus increase, only to be advised that they were not going to apply this to my account. I now get threatening letters that they are going to report me to the credit bureaus for nonpayment. I am XXXX plus years old with a 820 credit rating that I value and do n't need to be threatened by these buffoons. 
I have tried, unsuccessfully, to settle these issues with letters, documents, and phone calls. 
I could go on and on. I have evidence to support my complaint. 
You would be doing the public a service if you could put this company out of business so others wo n't be harmed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: JMS Associates, Inc.
State: VA

Complaint narrative:
A man named XXXX XXXX from a company he referred to as JMS Associates has called the receptionists at my new job 5 times this past week to claim he is attempting to collect a debt. 

This is either a fraudulent attempt to collect a non-existent debt ( I have never been contact by JMS Associates at any time previously until XXXX XXXX began calling me at work ) or it is a tact planned to place me in an awkward position at my new job ; for if JMS has a legitimate debt to collect, they have received my personal contact information from the original creditor and I believe they should be using this information properly instead of contacting me at my place of employment every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: JMS Associates, Inc.
State: FL

Complaint narrative:
XXXX XXXX from JMS Associates ( XXXX ) XXXX called our office asking for XXXX XXXX who is an old associate of this company. The gentleman advised that it was impertinent he speak with XXXX this instant regarding a financing settlement in their office and pushed and used aggressive speech and tactics to try to get me to give away XXXX contact info. I advised him that XXXX no longer worked in this office and he rudely replied again in an aggressive tone that this is the number XXXX provided, as if I was lying about XXXX no longer being affiliated with us and demanding to get his contact info. Once again I said to him that he was calling an office line and that XXXX no longer worked here but that I would take his info and give XXXX the message. We hung up. The next day the same guy calls me with the same tone, I reminded him XXXX no longer worked here but that I did him the favor of giving him his info for him already and that he was not to call this office anymore. He began yelling at me telling me I did no favor for him and that he had every right to call and that I had no idea what I was talking about and proceeded to harass and use aggression and yell at me with rude behavior until I finally hung up. This is a violation of section XXXX which constitutes a {$1500.00} fine. This man # XXXX should not be discussing someone elses debt with me over the phone and telling me about XXXX settlement and I am not the debtor nor is he allowed to use those tactics with the debtor. He also did not identify himself as a debt collector when calling. He said he was a law office calling about a financing settlement. When I look online it is clear this office is a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
Received cell phone call from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX on Wed, XXXX XXXX 2016. 

Call went as follows : Me : Hello? 
Caller : Hi, is XXXX there? 
Me : Who is calling? 
Caller : XXXX or XXXX? from ( inaudible ) - said while covering his mouth Me : From where? 
Caller : XXXX XXXX and XXXX Call was terminated at this point. 

The caller had very obviously covered his mouth with his hand to purposely obscure the name of the business so that the source of the call could n't be identified. 

That bears repeating. To ensure that I could n't hear who was calling, the caller covered his mouth when asked to identify from where he was calling. Nor did he mention that he was a debt collector. I had to come about that information by searching the name of the organization on the internet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
XXXX sold my XXXX mortgage to Nationstar Mortgage XXXX XXXX. I continued to pay on time every month, but on XXXX XXXX, XXXX I inadvertently discovered that Nationstar had increased my payment by 50 % without notifying me. I learned this when I went to my homeowners insurance website to pay my quarterly bill and discovered that my insurance was paid in full for one year. I then went to the Nationstar website and discovered that they had paid it ( unrequested and without authorization by me ), plus they are now requiring a {$540.00} " cushion '' in my escrow, plus there was an increase in property taxes for XXXX ( the last I was expecting but not the other XXXX amounts ). They averaged this total over only 8 months, increasing my payment from approx {$800.00} to more than {$1200.00} and never notified me, at all, ever. After XXXX reps who were clueless, I spoke with a supervisor in Nationstar escrow dept who kindly requested that this amount be spread over XXXX months, which would increase my payment by " only '' 25 % instead of 50 %. I was told I would receive documentation of our conversation which I have NOT received ; I called back on XXXX/XXXX/XXXX and was told I 'd have an answer by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I made a payment for the additional funds that would be required for the XXXX % amount so that my account would be current already when the request is approved. I called again today, XXXX/XXXX/XXXX and was told I 'd have an answer in " a day or XXXX. '' Also today XXXX, I discovered a XXXX/XXXX/XXXX message to me on their website saying they are holding my on-time XXXX payment in suspense because it is not a full payment. This is raising red flags all over the place for me and I wonder if they are trying to get rid of XXXX mortgages for some reason. I understand how escrow works but particularly with the shady and seemingly arbitrary undertakings and no notice to me, I am fearful that Nationstar is trying to create an untenable situation and endanger my homeownership of 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NH

Complaint narrative:
I have a mortgage with Nationstar. The company has XXXX my ability to make online payments- for no reason. I am currently working overseas, the inability to make an online payments seriously jeopardizes my ability to pay on time or at all. The payment terms of my mortgage also changed when they took it over from XXXX XXXX XXXX. They began charging me service fees to pay online, have been constantly showing me with an additional fees owed which can never be paid through the online option and have not been accounted for during the annual mortgage evaluation and adjustment of payment.

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

Complaint narrative:
My FHA home loan was sold from XXXX XXXX XXXX to Nationstar about 2 years ago. During the past 2 years I have repeatedly asked to be provided an itemized list of debits and deposits to my escrow account ( my county property tax, mortage insurance premium and home owners insurance are handled through the escrow account ). I believe I have been overcharged mortgage insurance often times being charged 2 to 3 times a month for mortgage insurance. Suddenly XX/XX/XXXX my MIP decreased from XXXX to XXXX without explanation. Further I have had to demand this information because until about 2 months ago it was not provided on my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: ID

Complaint narrative:
We did a wire transfer to pay off our Mortgage with Nationstar Mortgage for XX/XX/XXXX they are charging us interest for the month of XXXX and it appears they took the PMI payment out of our escrow We contacted them and asked why this was not processed on the XXXX and we were told it would be done on the XXXX and release the lien and keep our interest. once they were further questioned we were put on hold and they did not return

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
As I stated in XXXX previous complaints, Nationstar Mortgage has been running a scam to get my house. I received a letter today requesting that I turn over my house to them or sell it. I resubmitted a request for a loan modification ( which they told you I could do after a date that I could even meet the deadline. ) I was not notified of cancellation of my modification, they extended my modification by one month and denied doing so. When I called them, they told me to resubmit my modification request. I did, they then told you I could be reapproved by XXXX XXXX, 2016 ( 3 weeks before I even knew the modification was cancelled. ) I am enclosing the letter I received today. These people have been lying to me on the phone, scamming me, lying to you, ( which these documents and my previous documents prove. ) If I had not borrowed money to bring this account into good standing they would have taken my house and evicted me. I had to pay over {$3000.00} to get my house back from these monsters. I had to sell my wedding rings to get enough money to do this. I am chronically ill, on XXXX and I 'm sure they were counting on me not being able to put together enough money to do this. I have friends with money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My house was sold while I was under review, I tried everything the service conmpany asked me to do to stop the sale date, I was told if I did everything they would postpone sale date, I submitted everything on time and was calling to see status leaving messages and my house was sold on XX/XX/XXXX. The next da it had been sold I get a call from Nation Star mortgage serviser asking me for some docs that were in file to do a modification on my mortgage. My loan came from XXXX XXXX XXXX and they never worked with me so they sold my loan to Nation Star Mortgage on XX/XX/XXXX, 10 months into Nation Star Mortgage they foreclosed my house violating my rights and laws of my modification. I was evicted within 6 weeks without a place to go leave or stay, I had to leave in a hotel for a month and than a month into an empty house that was for sale and they let me stay in the kitchen with some mattresess with my XXXX kids ages XXXX and husband. We hit rock bottom with this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I applied for a purchase money mortgage for a new home beginning in XXXX of XXXX online with Quicken Loans. I applied jointly with my husband. He is currently retired and is not receiving any pension. I am working and will receive a pension when I retire - projected to be XXXX XXXX, XXXX. We were preapproved in XXXX and signed a contract to purchase a house XXXX XXXX, XXXX. I was told we were approved for the application amount on XXXX XXXX. On XXXX XXXX I was told that Quicken would have to run a new credit bureau report with my husband as primary. This seems to be discrimination against a female applicant that is the primary source of repayment on the loan. I terminated my application with Quicken Loans because of their unfair and deceptive practices i.e. telling me we were approved and then requiring a new credit bureau report. Additionally running another credit report would have had an adverse effect on my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Tried paying my entire loan off XXXX times. They reversed the transfer payment XXXX times and charged me late fees even though I had proof that it was they that reversed the transfer. In addition they cost me an extra {$20.00} in wiring fees which they did not refund. You will wait on hold for upwards of XXXX minutes only to be hung up on BEFORE you talk to a representative. When you do manage to get a representative they will transfer you around for another XXXX minutes. They have managed to squeeze an extra XXXX months of interest and fees out of me all the while threatening to ruin my XXXX credit score if i do n't pay, which I have twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a home Mortgage from Nationstar Mortgage, on the first day of the month I will receive a call from one their employee asking me when I will pay my mortgage. Most months I pay my mortgage on the XXXX day of the month on other months it may on the XXXX day, but I always pay ontime. I would like for Nationstar Mortgage to stop calling me unless my payment reaches them after the XXXX of the month. The calls are very condescending and the calls come when I am in meetings, they do n't seem to care when they shame me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I set up an account on XXXX to find a lender to purchase my first home. XXXX provided a small number of lenders that offered low interest rate that were generated from a soft inquiry of my credit report. Quicken Loans contacted me to see if i would be interest in using them as my lender of choice. I told XXXX XXXX the representative that i was using a down-payment i was granted by XXXX XXXX of {$15000.00} and was only! looking for a lender that accepted the grant ... and I only! wanted to know if Quicken loans was compatible and accepted this grant. he was unsure and stated he would check and get back to me but that he would also set up an online account for me to view other programs that they offer for first time buyers. he confirmed the last XXXX of my ssn to confirm my identity which he had from the XXXX lead. next day i check my XXXX account and i have a hard hit from quicken loans.. i was never inform nor did i authorize for them to run a report i only wanted information on them being able to accept the XXXX grant . i left an voicemail with the supervisor XXXX immediately. XXXX called and left a voicemail apologizing and said he reviewed the call recording and i was in fact correct that i was not informed and i did not authorize the report to be drawn.. and that they take this very seriously and will contact the bureau to dispute the report screen since it effected my score lowering it significantly! next day an exceutive of quicken loans calls me to say he reviewed the call and that they will not dispute the inquiry and that it was justified ... even after the supervisor who reviewed the recorded call said it was in fact faulted..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Due to the Economical Real estate crash on years XX/XX/XXXX, my hard financial ship due to income reduction, XXXX problems due to a car accident on XX/XX/XXXX, family catastrophic death, which I am including a detailed ( LOE ). I did start a mortgage modification during year XX/XX/XXXX directly with Fannie Mae, local office which, I did not know better to properly prepare my file to avoid being denied for the modification. later on I paid to an Attorney office few XXXX dollars for professional advise and to prepare my documents properly to submit them to XXXX. at that time during the meddle of the process, XX/XX/XXXX XXXX sold or transfer my mortgage to Nationstar Mortgage. Therefore and among my frustation and desperation, I was force to pay to another Lending office for more professional advise and to properly prepare and submit the file again to Nationstar Mortgage for a modification by XX/XX/XXXX-XX/XX/XXXX. at this time I was already getting on dip financial trouble without my saving striving to keep upside down property values so I used all my retired savings to pay debts. as well as, desperate being back and forth submitting documents multiple times to lender for more than 3 years. Please review complaint XXXX. XXXX. it was to be disputed by the XXXX office i did pay for it. I have not understand yet their " Unfair Lending Practice '', eagerness, negligence, unprofessional, luck of proper communications, manipulation of the process as to create a second Escrow account to their benefit. instead, for them to provide an straight, proper customer or consumer solution without giving us night mares, frustrations, time consuming and jeopardizing Customers Excellent Credit History. such as, in my case reporting to credit agencies I was up to 5 months late on payments. Which, I was never more than 2 months late on end of year XX/XX/XXXX. I am submitting herewith my Bank Account 24 month history payments and their history where you clearly notice that payments where not properly handle by them and with the XXXX Escrow accounted They created. Finally they offered me what they call a modification to extend the loan to 40 years without reducing my current really high interest rate of 5.875 %. Reason for which I am submitting again a complaint. I am submitting herewith : current Mortgage loan statement, The attorney letter firm XXXX, My Hardship letter of explanation, XXXX research, my bank account showing 24 months history payment, Nationstar Mortgage partial history payment, Loan Modification package of documents I received, annual Escrow Account Disclosure statement, and their biyearly Escrow Account Disclosure Statement for your review. Please just let me know which other documents do you need in order to properly proceed. I do Really thank you in advance for your kindly, proper and prompt attention given for a solution to this file or complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
Why did XXXX XXXX XXXX refuse to provide us with the actual amended & restated note loan modification agreement form 2003 to us? 
Why is XXXX FKA XXXX Or Nationstar mortgage of XXXX refusing to give us a actual copy of the Amended and restated note loan modification agreement paperwork to us? 
Also I want a answer why all my military service time I was denied when I provide the correct info?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: C & M Associates Group, Inc.
State: SC

Complaint narrative:
Caller was from XXXX and XXXX. Called me on my cell phone which I did not provide express consent to call with an automated dialer. This is a violation of the TCPA. The name of the organization left in the automated message implied a lawfirm, which is in my opinion unfair and deceitful. When I returned the call, I was informed this was a purchased debt from a XXXX deficiency, and is way past statute. I was not given the mini-Miranda, was not provided a written notice within 5 days of my right to dispute the validity of the debt. FDCPA violationsVerbally informed them they do not have my consent and if they thought they did, I revoke permission to call me on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
I am in active XXXX bankruptcy. My plan included payment of mortgage arrears to Nationstar mortgage. Nationstar modified my loan in XX/XX/2016 and rolled all of the arrears ( about {$14000.00} ) into the modified loan. They never filed an amended proof of claim with the trustee, so the trustee continued to send them funds to pay the arrears. I called Nationstar asking where that money was going, they had no idea. I called the trustee and they said they were still paying Nationstar for the arrears, which no longer exist. So Nationstar has been pocketing all of the money sent by the trustee on my behalf since XX/XX/2016, a total of {$1900.00}.

Company response to consumer: Closed with explanation