vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2015 I filed for a chapter XXXX as a result of my lender instituting foreclosure procedures. My home was scheduled to be foreclosed on at the courthouse steps on XXXX XXXX, 2015. As a result of the filing it halted all proceedings from debt collectors, attorneys etc. After informing by lender of this filing they asked me what where my intentions with the property and I informed them that I wanted to keep the property and just catch up the missed payments. The bank informed me that i couldnt pay what was owed because it showed that the home had been foreclosed on until the foreclosure status on my account had been removed I could n't pay on it, pay what was owed, do a workout option or anything to move forward. I was told that the sale had to be resended and then I could move forward. That was XX/XX/XXXX and now we are XX/XX/XXXX and we still can not move forward because it is currently showing that property was foreclosed on and it hasnt been removed from there system. I now owe more which is not fair making it more difficult to work out something with my lender and catch up due to internal operations and lack of due diligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NH

Complaint narrative:
My credit was damaged when my mortgage company misapplied a payment and then accused me of missing payments. I make my payments the first of every month without fail. 
During an escrow analysis, I called customer service with a question. Unknown to me this triggered an inquiry which then led to my entire next mortgage payment being misapplied to the escrow account instead of to my mortgage. Again, unknown to me, all my subsequent payments were " late ''. When I was finally notified after several months, no one in customer service could tell me what had happened to my payment. After more than a month of calling and speaking to customer service and escrow representatives, all of whom assured me that they would take care of it and promised to call me back ( they never did ), I finally spoke to an intelligent young man in Escrow who figured it out and realized that the payment had been misapplied. At the same time I received checks from the company for a huge escrow overage ; the misapplied payment. This young man and a customer service rep managed to it straighten out and I used the escrow overage checks to make that " missing payment ''. When I asked about my credit ( score ) being damaged, I was assured that would n't happen. Of course, it did. When I contacted the mortgage company to ask that the negative information be corrected, I was informed by the " Research Department '' that this could n't be done as I had missed payments! Payment ( s ) that the mortgage company had misapplied. 
My credit has been damaged through no fault of mine, the mortgage company takes no responsibility, and I can not get through to anyone who can correct this misinformation and repair my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Our home is in an active Bankruptcy ( BK ) XXXX filed in 2011. Our trustee has made payments to this account for nearly five years. After requesting a loan modification from XXXX, BUT did not accept their terms, and declined this modification. However, Nations Star was ready to approve the modification, although the terms would have placed us in a 40 year loan! Once this modification was rejected, it took several calls and several months before it was removed from our account, which increase our payments to an amount we could not afford. As of today, our trustee has made payments excess of {$60000.00}. 

We have made over 10 calls and have always gotten totally differerent answers and frequent transfers. 
While going into BK, our payment was {$1000.00}. We 've paid our own home owners insurance AND taxes are on a XXXX exemption status. Nationsstar completely disregarded the exemption and sent payments for taxes, although the taxing authority has since returned those funds. We would like Nation Star to return our account to the status of actively making timely payments without an escrow. A posting of payments to our mortgage should be current and up to date, however funds that were paid have not been accounted for and we are requesting a complete investigation and recovery of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
My loan was transfer from XXXX XXXX XXXX to nationstar. Ever since then nationstar keep denial our modification. They said it 's fraud paperwork. I and my family lived in this home since 2007. They ask us to verify our residency, but keep denial even though we supply them whatever they need. My loan number is XXXX,. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
I spent months working with my builder, loan officer, escrow company, title company, and mortgage company to ensure that my total cash to close and my monthly payments would be what they promised. One day after closing on my house, I received a notice that my mortgage payment would be increased from {$1500.00} to {$1600.00}. 

They state that my escrow account is underfunded and those the need for an extra {$110.00} per month. Why was n't this brought to my attention when I was signing documents? Why send this notice one day after I 'm locked in? I ca n't help but think that something underhanded has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Fidelity Services, LLC
State: FL

Complaint narrative:
They have my personal cellphone which they call repeatedly. However they called me at work and went through my dispatch system which is unacceptable. My personal issues are my own and they have no right contacting me at my job to purse any type of collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I do not recognize this bankcard? This account was a result of identity theft and needs to be removed immediately

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I applied for a modification with Nationstar Mortgage. Nationstar has modified my mortgage but while on the modification has reported my mortgage being late to the credit company which has caused my credit score to drop to a XXXX. Nationstar has also called me at least XXXX times asking when I was going to make my XX/XX/XXXX payment when my mortgage statement and my poc said no mortgage payment was due until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
I would like to submit my whole story and demonstrate Nationstar Mortgage failure to comply with XXXX SD XXXX. 

Your platform, limits characters prohibits me from delivering you the complete facts and truth. 

I would appreciate a phone call. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
Used BB & T Investment services. Invested {$30000.00} into XXXX indexed brokered CD product starting XX/XX/2010. At maturity BB & T claimed that there was no return whatsoever, despite a colleague checking on the product annually to see how it was doing. Would like bank investigated in regards to this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
On XXXX XXXX, XXXX, Nation Star Mortgage took over the servicing of our home mortgage from XXXX XXXX XXXX. When XXXX XXXX XXXX was servicing our loan, our monthly escrow payment was calculated at {$860.00}. On a yearly basis, the amount we have been depositing into our escrow account has been {$10000.00}. 

We were completely startled and caught off guard when Nation Star, based on their XXXX XXXX, XXXX analysis of our escrow account, aggressively increased our expected monthly escrow payments from {$860.00} to {$1000.00} in XXXX of XXXX. Our assumption is that for XXXX, our escrow balance is expected to cover what it has always covered : Property Taxes, School District Taxes, Homeowners Insurance and PMI. We have seen no corresponding increases in our yearly responsibilities that come anywhere near requiring an extra {$1700.00} be deposited into our escrow account. 

In looking back on previous years ' expenses that escrow is expected to cover, below are the total expenses for XXXX and XXXX. In addition, below are draft expectations on where XXXX will end up. ( Note : some of those expenses for XXXX have already been confirmed. ) In XXXX, the numbers were as follows : Property Taxes : {$3100.00} School District Taxes : {$4700.00} Home Owners Insurance : {$830.00} PMI : {$1400.00} Total Escrow Payments : {$10000.00} In XXXX, the numbers were as follows : Property Taxes {$3300.00} School District Taxes : {$4900.00} Home Owners Insurance : {$810.00} PMI : {$1400.00} Total Escrow Payments : {$10000.00} In XXXX, our expected numbers ( based on the recent school budget vote ) Property Taxes : {$3200.00} ( see attached ) School District Taxes : {$4900.00} ( based on recent school budget vote, no expected increase ) Home Owners Insurance : {$940.00} PMI : {$1400.00} Estimated Total Escrow Payments : {$10000.00} Based on that math, our escrow payments for XXXX should average {$870.00}. There exists no mathematical evidence as to why NationStar Mortgage has aggressively escalated our monthly escrow payments to $ XXXXmonth without any corresponding increases in the accounts that our escrow balance is expected to cover. I spoke with a NationStar customer service representative that could not clearly explain the mathematical reasons as to why NationStar is requiring that we deposit an additional {$1700.00} into our escrow account without any corresponding increases. 

We felt it was incumbent on our family to file a complaint directly with the Consumer Finance Protection Bureau as to NationStar 's policies involving escrow payments.

Company response to consumer: Closed
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
RE : previous complaint # XXXX 1. This Complaint is filed pursuant to XXXX - Unfair Practices, and is directed specifically at non-compliance by XXXX. and Select Portfolio Servicing Inc. hereafter SPS Inc.. 

2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to XXXX and SPS Inc. on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, XXXX XXXX, XXXX. and SPS Inc. failed to immediately stop all collection actions as required by FDCPA statute. 

3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by XXXX. at the request of SPS Inc. See EXHIBIT-A. 

4. Please be advised that XXXX XXXX, XXXX. and SPS Inc. is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 

5. XXXX XXXX, XXXX. and SPS after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 

6. XXXX XXXX, XXXX. and SPS, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX XXXX Mail to take action that can not legally be taken. 

Conculsion I now ask this agency to issue an administrative DEMAND, compelling SPS Inc. and XXXX to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
My client is XXXX XXXX and I have been working with her toward a loss mitigation resolution since XXXX 2014. We had an equator file open for her so the property was supposed to be in the marketing status - waiting for an offer. In XXXX an offer was received, the equator file had been closed out - without any notice to me or to the borrower. I reopened the equator file XXXX and had to email to ask when nationstar would send me some tasks. Over the next few weeks I submitted documents as requested. The BPO was supposedly ordered XXXX XXXX, but we were contacted for entrance to the property until XXXX XXXX. Again, all docs were in and all tasks were completed by XXXX XXXX per the first processor XXXX XXXX. The borrowers were served with the order to docket and preliminary loss mitigation affidavit in XXXX. I wrote to both Nationstar and the law firm representing them that the order to docket should not have been served as we were in the middle of applying for loss mitigation and not all options had been reviewed. I requested that the lender and the law firm make note that the final loss mitigation affidavit should not be served as we had a complete short sale application pending. We still have a complete loss mitigation application pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
Previous Complaint # XXXX ag. XXXX/Nationstar never resolved in that no dox ever provided as to loan ownership, assignments, or transfer of servicing rights. Additional complaint now set forth in attached dox as to NS accounting errors. Have demanded an independent audit of NS accounting practices and an audit of their errors in my particular case. Thx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Request SPS to provide the following items to me ( this has been ongoing since they became the mortgage servicer since XXXX XXXX XXXX ) 1.written explanation why my property tax ( 1st installment due XXXX/XXXX/XXXX ) was paid late XXXX XXXX which incurred a penalty from the State of California ( $ XXXX est. ) which as of today has never been provided after 5 requests through letters and faxes 2.request for my impound account that pays my property tax and fire insurance be terminated and have the mortgage note modified to reflect the principal and interest payment without the impound..sent two letters as well as a fax letter and no response in writing from SPS as of today date 3.request a written explanation of why there is a escrow shortage for the tax and fire insurance impound since it is being added to the principal and interest payment and how did this occur..request three times via letters fax to their customer service account supervisor XXXX XXXX, XXXX XXXX, XXXX XXXX without result . last two months to date. 

Please have SPS comply to my written requests without further delay. I have been in contact with them long enough toi realize that it is a total waste of time and energy without your help to force them to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Since XXXX, I have been charged unexplained fees to my mortgage. On XXXX XXXX I became aware that my XXXX payment came back NSF. At that time, I called and spoke with a representative and paid the past due payment, late charge, and NSF along with a {$15.00} fee to make payment over the phone. When I went to pay my XXXX payment, I noticed their were {$70.00} of unexplained fees in the payment amount. At that time, I called and spoke with a rep who took my payment over the phone and told me the fees would be researched but he would waive the late charge and took my payment over the phone. As of XXXX XXXX when I reviewed my account the amount due was the normal monthly mortgage payment. I have not received a new billing statement as of XXXX/XXXX/17 and one is not available online. When I went to schedule my mortgage payment on XXXX/XXXX/17, the amount due has {$70.00} of unexplained fees assessed again. At this point I am unable to schedule a payment and this will cause my payment to be late because I do not have the {$15.00} to make the payment on the phone. This is causing a huge inconvenience. The mortgage company has still not followed up with me about last month and the fees that were assessed. I am afraid this will become a revolving cycle month after month. I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I have a mortgage with Nationstar Mortgage and my mortgage payment includes an amount for my homeowners insurance. Nationstar has failed to make the insurance payment again this year and my policy has been cancelled again. This is the third year in a row this has happened and each time it happens the insurance company raises my insurance premium for the next year. I 'm stuck paying higher insurance premiums every year because they will not pay the premiums on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
I am a mortgagee with Nationstar - # XXXX - Nationstar is reporting a defered amount as past due - this is not the agreement I signed at modification - Their website lists the amount due correctly - however to the XXXX credit bureaus - they have reported this incorrectly for more than 6 months - I have repeatedly asked this be corrected and have had temporary corrections that reappear the next months - This is an extreme impact on my credit history - Secondly, I do not understand the Defered amount - I have had my mortgage for 8 years, have never borrowed additional money and owe $ XXXX more today that on the original date - This is a fixed rate - I have repeatedly asked for an amortization or invoice to show the payments and balance - but this remains unanswered - This modification was done - during my XXXX and I do not understand what they have done - Could this be a predatory modification? I have no idea - simply want details -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rauch-Milliken International, Inc.
State: CA

Complaint narrative:
i hired a marketing company to start a Pay per Click ad campaign. I had two months worth of services. I paid for one month of the services and the other month i fell behind because our business started to slump dramatically. We are on the verge of going out of business and i was contacted by this collection agency and they claimed i owe XXXX when in fact i only owe {$600.00}. im willing to make payments on the {$600.00} and only the XXXX XXXX because we are under substantial financial hardship. Thank you

Company response to consumer: Closed
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: GUARANTEED RATE INC.
State: SC

Complaint narrative:
The company did not follow state/federal guidelines regarding providing final numbers for closing. We did not receive the final numbers until 15 minutes before we closed, versus the legal guidelines to provide us those numbers 72hours before. Additionally the numbers that were provided to us 15 minutes before closing, were over {$3500.00} more than what we had discussed the previous day. We then had to bring that difference unexpectedly to the table for closing. The company also charged us {$810.00} for an extended rate lock guarantee. This was not discussed and closing was held up by their inadequate filing of our documents, not because of us.

Company response to consumer: Closed with explanation