vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WI

Complaint narrative:
Greetings. My loan is serviced by Nationstar. My loan stipulates a grace period until the XXXX of the month, but if I try to make a payment online, Nationstar assess a XXXX late fee after the XXXX of the month, in violation of my mortgage terms. 

It seems so unethical and I do n't have a choice of servicer which makes their unethical and greedy corporate behavior all the more frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 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: Merchants and Medical Credit Corporation, Inc.
State: OH

Complaint narrative:
The debt is related to the rent payment for the apartment. I had a agreed monthly rent amount. I left the apartment sometime in XXXX 2015 and the apartment complex asked me to pay more than what I should be paying. I disputed this payment amount and wanted to pay the legitimate amount according to my lease agreement. 

The debt collector did n't send me a notice for collecting the payment. They never tried to reach me. 1st time I knew about a debt collector is from my credit report! 

Even after asking for a written notice, they refused to send me XXXX. I think that its unfair that the debt collector is behaving like this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I got a call this morning from a Nationstar representative calling in regards to a letter I sent two weeks ago requesting : 1 ) payments to be applied, 2 ) my dedicated loan specialist to contact me, and 3 ) info I have been requesting but have not received. The representative told me my account was proceeding with foreclosure. I asked her : 1 ) why my dedicated representative has not contacted me, 2 ) or sent me info, and 3 ) refused to provide me with an email. She said it was their preference not to provide it. I have not been able to reach her by telephone and my voicemail requests have not been answered. I should be able to request info by email and they can send it to me securely. 

I let the representative know that on multiple occasions funds I had submitted were misapplied or not applied since last XXXX and to current. I have proven that multiple times. This is another example of Nationstar calling me with no account detail and history. My account discrepancies should have easily been resolved. It should not be in foreclosure status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Applied for loan/did not receive money — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I applied to BB & T Bank for a home Equity Loan, was approved for the loan, closed on this loan on XX/XX/XXXX. I wanted to pay off my existing Home Equity loan with XXXX, and keep all my banking needs at BB & T bank. The Check form BB & T bank has not arrived as of the date XX/XX/XXXX. I have been contacting BB & T bank personnel to ask what they are doing or going to do, to complete the transaction.They have stated that this was a Bank Cashiers check, and they want to wait 90 Days before issuing another check. I am now in arrears with my XXXX Loan, waiting for the payoff amount of {$24000.00} from BB & T bank to arrive.I have already made one payment of {$500.00} to BB & T bank on the new loan, along with all the closing costs of over {$700.00}, but the money has still not arrived at XXXX.

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 2016-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
On XX/XX/2016 I had {$360.00} in overdrafts posted to my account. On the end of business on XXXX/XXXX/2016 my ending balance was {$4300.00}. Posted transactions on my account for XX/XX/2016 was {$3200.00}, which my available balance on the end of business day on XX/XX/2016 should have been a positive {$1100.00}. I was assessed XXXX overdrafts on many of those items that were posted with a positive balance for a total of {$360.00} This bank is crooked with ghost overdrafts.

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 2015-06-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
I received a call from a mortgage broker from XXXX XXXX on XX/XX/XXXX. She said she was returning a call about a refi I had applied for. My BK has not been discharged a year so I told her I did not apply for a refi. I thought someone was trying to steal my identity so I began to ask her questions. When I got to the bottom of the problem it turns out that Nationstar mortgage had applied for a refi in my name on the XXXX website. I did have a mortgage with Nationstar but it was included in my BK. I do believe this is predatory lending on behalf of Nationstar and XXXX. I also believe this is against the Fair Debt Collection laws since my BK was discharged in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
On XXXX/XXXX/15 NationStar sold our XXXX loan. They will not tell me anything about it. I just saw in my online account there was a non cash adjustment for the amount of the loan. I tried to make a payment and I ca n't. They wo n't tell me even why I ca n't make a payment. My son an accountant told me it was sold. It was sold on XXXX/XXXX/15. I have no information as to who bought the loan and where I need to make a payment. This account has been frozen by Nationstar due to them buying it from XXXX XXXX XXXX and not getting the modification papers. I sent them 4 times. Someone finally found them so I know they had them. They sent back payments when we tried to pay the loan payment. The said to make a payment XXXX XXXX. We tried and they would n't take a payment. Now I find out why, they do n't have the loan to pay. ( I have a letter from Nationstar telling us to make the XXXX XXXX 2015 payment ) I need to know who has the loan and where to send payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a a XXXX interest only loan with NationStar. After 10 years the loan converts to a 15 year amortized loan. There are two years left in the interest only period. There are no prepayment penalties. 
I now have funds to pay down the principal by XXXX. I called NationStar and they said I could do that but simply needed to submit a recast request. I did so and received a written reply that a recast was not " available ''. When asked on the phone why not, the agent was unable to answer and unwilling to transfer me to someone who could.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
XXXX acting on behalf of one of my investors, U.S. Bank, has violated the Fair Review Process requiring servicers to review and respond to a request for modification within 30 days. Originally I submitted a compliant because XXXX XXXX XXXX moved forward with foreclosure procedures after receiving a full file submission XX/XX/XXXX. The day after filing their response to the CFPB compliant I was decline a modification on or about XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX decided to review my case again for possible modification and requested updated documentation, which was sent on XXXX XXXX via email, which they never responded to confirm receipt of documents, which is required. At that time I was told that now I qualified to be reviewed for HAMP and that 's why they were requesting additional documentation. On or about XX/XX/XXXX I called and confirmed the documents were received and submitted to underwriting for review. On XX/XX/XXXX, I called to check the status of the review and if my foreclosure sale scheduled for XX/XX/XXXX was postponed. I was told that they would not make that decision until XX/XX/XXXX. I then called on XX/XX/XXXX and the sale was still not postponed. When I followed up on the XXXX I was told that the sale had been postponed to XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the status of my review and was told my request for modification was declined on XX/XX/XXXX and a decline letter was sent out on that day. It took XXXX XXXX XXXX 40 days for them to review my request and I had to contact them to find out I was declined. Since I filed my first CFPB compliant the phone calls from my relationship manager ceased. 
For the XX/XX/XXXX decline I was told it was because I did n't meet the NPV guidelines. For the second decline I was told because I declined a HAMP modification XX/XX/XXXX. However, upon review of the HAMP guidelines, I still meet eligibility to be reviewed again for HAMP. I did not default on the HAMP Trail by completing all three required payments and HAMP mod was not completed. There is not rule against declining the modification, which would have raised my monthly payment and set my interest rate higher than my current rate after 5 years. 
XXXX XXXX XXXX has continued to lie to me, provide false and conflicting information and violated CFPB rules in regards to borrowers who are facing foreclosure. Due to this I am looking at filing a Chapter XXXX bankruptcy to save my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have been requesting a short sale for the last 18 months, Select Portfolio has been giving me the run around, they have been delaying the process by giving me conflicting information, I have been sending documents for over 18 months and their delay has caused me stress, cost me thousands of dollars in attorney 's fees and currently now I may probably lose the buyer and have a Foreclosure on my record. I have been calling the lender every other day for the past 18 months requesting them to review the documents, I have since lost XXXX buyers due the Select Portafolio delaying the process by not being responsive. In the last month alone I 've called 10 times trying to get an update as to the status of the short sale. Every single person taking my call has given me different information, and most of the times the information was inaccurate. No one seems to take responsibility for delaying the process or for giving you erroneous information regarding my account. I need assistance. My XXXX review was submitted on XXXX XXXX, 2016 and to this day no one has reviewed the documents or started the review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: KY

Complaint narrative:
I secured a mortgage with Greentree XX/XX/XXXX for a mobile home. I have made regular payments since then without any major interruption. XX/XX/XXXX, my loan was taken over by Ditech and soon after they said my loan had matured and they wanted the full amount left on my loan, over {$2500.00}. I have explained, monthly after getting collection letters, that I am now XXXX and payment beyond monthly payments are not an option for me. I called earlier this week after getting one and the guy I spoke with tried to tell me I had never made any payments! I have the money order receipts going back to XX/XX/XXXX and the amounts sent. I was sent to another person who said my payments were in the system. She said these letters are computer generated and I would continue to receive them. No effort to set up a set payment plan I could manage or anything. No help at all. Then I get this letter telling my to take my complaint to the FTC AND CFPB. As a side note, I did try to procure a personal loan to pay this company off but, since they have reported my account to the credit bureau, I was unable to do so. This seems like poor business practice on the part of Ditech and Greentree had to know what their practice was when they sold my account to them. Please help if you can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech Financial started foreclosure proceedings against me XX/XX/2016. I live in XXXX. They have filed and recorded fraudulent and forged foreclosing documents in the XXXX County Recorder 's Office. They have refused to verify these fraudulent documents subsequent to my repeated requests in violation of the California Homeowners Bill of Rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I made the final payment on my mobile home in XXXX 2015, but the loan company, Ditech, claims I still owe {$13000.00}. They say my account is seriously past due and if I do n't send the money, I may be facing legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
I am entering this complaint because my husband passed away in XXXX 2009, XXXX yrs ago. The loan was in his name, not both names. He left everything to me in his will. The loan he had on the house is with Green Tree Mortgage. I have been trying to get the loan transfered in my name. The Probate papers and death certificate has been sent to them and they still say they ca n't tell me anything or put it in my name. I have given Green Tree permission numerous times for one of my family members to talk to them because I am XXXX and also XXXX and am XXXX yrs. old. I have been keeping the payments up ever since XXXX when he passed away. They will not tell me how much is still owed on the loan, or change the address for mail to come here because I am living with my son and his wife and have been since XX/XX/XXXX. I want to sell the house which and ca n't do that until it is in my name. I ca n't live by myself any longer because my health is declining. I ca n't afford an attorney because I live on a very limited income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: TN

Complaint narrative:
I knew i was late, i called and talked to a girl there, she first started telling me in a very loud voice about not having a grace period which i replied I know and i always pay the later fees. I also told her to inform XXXX to quit calling me at work, and that I ca n't always answer my cell phone at work but I do call them back. XXXX has repeatedly called at my work leaving messages on the company voice mail. He even left XXXX on a Saturday when he was told again not to call here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I had a mortgage with XXXX whom then sold it to Greentree llc I had fell behind on payments, due to my husband having an unexpected medical emergency and started to work out a payment plan with a rep " XXXX XXXX '' she had me caught up all but 3 months which were supposed to have gone to the back of the loan, giving me a 2 month break and a fresh start. when i called in after not hearing a response I was told the loan was now serviced by Ditech llc, i explained the situation to my new rep " XXXX '' and was told they would not honor such claim i asked to speak to a supervisor and he apologized but he really had no answer to give me and to just keep making my payments, at that time my payment was supposed to have been pushed back and i had already payed medical bills and meds for my husband but make a payment at the end of the month this was in XX/XX/XXXX, and did not have an answer to give me, in the mean time i have kept making my monthly payments. I was then told i could get a modification since i was not in danger of foreclosure, which i sent paper work in, On XX/XX/2016 i called all morning and got no answer at about XXXX i got an answer from some one named XXXX who told me he could get no answers for me and no one was available to answer my question of the modification and after begging to please just tell me if it was good or bad news he said he would have to ask a supervisor, after 10 min he came back and said, they refused modification because no paper work was received and that no one could help me because they are in the process of updating, and that i would get a response thru the mail then he laughed and said well maybe because we all know that snail mail always gets lost ... .i still made my payment and asked again to speak to a supervisor and was told my rep was busy mailing letters and there was no one available to speak to me & that he actually was used to speaking to people with less vocabulary because he was a mobile home agent and not a home agent but he would take my payment as a favor to me. he then told me to call monday to talk to my new rep, and asked if i wanted my old reps voice mail, i left her a voice mail and as of today got no response that was on XX/XX/2016 then on XX/XX/2016 i get a letter saying they are foreclosing on my property on XX/XX/2016 but no other info was provided ... i need help, i can make my monthly payments plus past due but cant make my past in a lump sum.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
In XXXX, I purchased my duplex condo through XXXX XXXX XXXX. At the purchase agreement signing I was told that the original HOA had been dissolved and that an agreement would exist between me and the adjoining condo to maintain the property. I did n't question this until XXXX when the adjoining condo went into foreclosure and I assumed the costs of maintaining the entire structure and property. In XXXX I knew I would be retiring soon and looked for a realtor to sell my property. I approached XXXX realtors over a year and none would agree to represent me as I was underwater and had no existing HOA agreement. I attempted to refinance to lower interest rate and did not qualify because I was {$60000.00}. underwater and there was no HOA agreement. XXXX more condos on my block foreclosed bringing comparables to a third of my purchase price. Green Tree Servicing took over my mortgage in XXXX. In XXXX I stopped making payments and found a realtor who would try a short-sale. I found a buyer but the property was foreclosed on before the paperwork at the bank was completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Dream Center Education Holdings
State: FL

Complaint narrative:
Im having issues with paying back my loans XXXX of the schools I attended wasnt accredited.. XXXX XXXX wasnt accredited and they messed up my financial aide. XXXX sped me through the process and I didnt learn anything from them..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: MD

Complaint narrative:
I have been paying my student loans regularly and recently decided to go back to graduate school for a XXXX. I did not request or take out an additional loan for the XXXX program. I recently received a letter from the loan company that my loans were being deferred but if I " did not want this entitlement, I may request that this deferment period be removed. '' Deferment means additional accrued interest while in non-payment status. I never requested a deferment, never authorized a deferment, and never wanted to defer my loans. Not sure how the company could just automatically do that without my knowledge, consent or permission.

Company response to consumer: Closed with explanation