vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
My original mortgage papers from XX/XX/XXXX when my loan was with XXXX XXXX XXXX indicate that my PMI should be automatically terminated on XXXX. My loan was sold to Nationstar Mortgage XX/XX/XXXX. The PMI did NOT automatically terminate on XX/XX/XXXX even after I contacted Fannie Mae to verify that the mortgage company is REQUIRED to terminate the PMI on this date, per my mortgage papers, and then after speaking with Nationstar who told me they needed to refigure the escrow and my next payment on XX/XX/XXXX should reflect this deduction. That has not happened and I am tired of getting the run around from Nationstar mortgage who is a fraudulent mortgage company and breaking the law if they do not comply with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
This mortgage was modified some time back. It was transferred in XXXX of XXXX to Nationstar Mortgage for loan servicing. There were some '' lender paid expenses '' apparently sent with the loan servicing from the Modification. Every month since XXXX of XXXX, Nationstar, the new loan servicer, keeps taking part of my normal payment and apply towards these " fees '' instead of to my mortgage payment. 
( I was told that these fees can not be collected up front, if XXXX did not actually roll them into the modification balance that I signed for, they could be collected when we either sold the property or refinanced it ) Every month They keep taking monies from my monthly payment, then reversing it, then adding it again.. 
Now they have sent me back a check, copy imaged in for {$940.00} because they took XXXX applied towards Lender Paid Expenses, again Now I am behind again and they told me today, that I owed another XXXX with the XXXX check I have returned from them to Complete my XXXX XXXX XXXX payment/

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION
State: OK

Complaint narrative:
I took a loan out with regional acceptance Corp with a XXXX XXXX in XXXX XXXX, My payments were XXXX a month. I have been paying XXXX a month for over 4 yrs and my loan is still over XXXX. The money that I paid over the yrs have went to interest only. I was told I should be caught up on the loan but the company said I was a month beyond when I was paying every month .. The customer service is Rude and harassing.. They repo my car on XX/XX/XXXX with all my personal belongings and tag. I was not notified as to were I could pick up my personal stuff and tag. I do n't know where my stuff is. They are supposed to notify you and give you a option to pay .etc ... I lost over XXXX for a car only worth XXXX and they still wanted XXXX more. Can someone please help me? This is a scam and a rip off company. How many more people have they gotten like that

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 2016-09-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
XXXX XXXX is in a financial Hardship. She applied for a short sale which Nationstar was aware of and they went as far as to approve her. 
Then the short sale was declined due to the sale date being " too close. '' The short sale was in ESCROW. 
Nationstar removed the file and now the homeowner 's sale date is on XXXX with no options but to be foreclosed on. 
Although there are numerous reasons why Nationstar 's behavior is unacceptable, the issues that XXXX XXXX would like to bring to your attention are the following : While we understand a short sale takes time, it is inexcusable that Nationstar deny the shortsale ; will not let it be completed. It appears that Nationstar has committed negligence, if not reckless disregards for her short sale request. 
Nationstar approved a short sale, only to the homeowner that she was denied. This should not be tolerated. Nationstar denied her short sale based on inaccurate information and refused to take remedial steps to provide a qualified homeowner with a solution. 

By refusing to disclose details about the process, Naionstar is able to deny request at will without any accountability. The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on home and fire selling them at auction to make a profit. It appears that Nationstar 's lack of participation in a meaningful review of Homeowner 's file indicates a preference to profit directly from Homeowner 's hardships. 

XXXX XXXX fully believes that she has been discriminated against based on her age, race, ethnicity, sex, marital status, and national origin. At this time, we are demanding that the sale date set for XXXX be postponed or she will assert her legal right naming Nationstar as a defendant in district court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My complaint with Select Portfolio Servicing is that they constantly keep asking for documents that were already submitted for a loan modification. When it gets close to the sale date for the house they denied the modification because they said it was close to the sales date. 
Property address XXXX XXXX XXXX XXXX XXXX, Fl 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 2015-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I had a XXXX mortgage with XXXX XXXX XXXX. I requested under HARP a loan modification. 
XXXX XXXX XXXX approved me for the loan modification. I was instructed to make XXXX payments for XXXX months in a row of {$2800.00} each. I made these payments. 
XXXX XXXX XXXX sold my loan to Nationstar Mortgage. Since this happened in XX/XX/XXXX, I have had a nightmare of problems with Nationstar. 
They did not accept the former XXXX XXXX XXXX loan modification. They are insistent this loan is a Home Equity Loan which they refuse to modify. IT IS NOT A HOME EQUITY LOAN. It is a XXXX MORTGAGE. 
For the past XXXX years I have tried to get Nationstar honor the agreement I had with XXXX XXXX XXXX for a loan modification and they have denied my multiple requests. 
I have spoken to at least XXXX loan representatives at Nationstar and can not get anyone to speak to me. 
I had XXXX representative tell me to make the monthly payments of almost {$3000.00} and I sent these payments on time to Nationstar. 
In XX/XX/XXXX, these payments were returned to me in the form of a Nationstar checks. 
Now, I have received notification that my home is moving to FORECLOSURE!! 
This is an outrage and I do n't believe it is legal. 
I need some relief immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I made a mortgage payment on XXXX/XXXX/15. My mortgage was paid off completely on XXXX/XXXX/15. The payoff amount did not include the payment made by me on XXXX/XXXX/15, and so now I am owed approximately {$3900.00} from the mortgage servicer. It has been over 30 days since the payoff of my mortgage and the servicer has no information whatsoever on the refund they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
The reason for me filing this complaint is due to Nationstar Mortgage foreclosing on my property while I am undergoing a loan modification. Also the information they are requesting is unnecessary and was never requested when I was undergoing a loan modification with XXXX XXXX XXXX not until my account was sold and/or transfer to Nationstar Mortgage in the process of modifying my loan. I should n't have to write any letter of my living arrangement to qualify for a loan modification or supply any mortgage statement on property I am not seeking to modified. This information they are requesting is for personal use only and nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
In or about XXXX 2016 I was notified by Select Portfolio Services that I was eligible for a loan modification. I completed the application about XXXX 2016 and began the process of submitting the required documentation. I spoke with the Relationship Manager assigned to my account and many other reps regarding required documentation, took notes and sent the documents exactly as requested. I have been asked to resend the same documents in different formats on XXXX - XXXX occasions since I started the process. Weeks would pass and I would n't hear from them only to find out another document needed to be reformatted and sent in again. The most recent request was to fill out another application which was which is redundant because an application was completed when I initiated the process. This complaint is about the administration of the modification process. I have been in compliance with all requests from SPS and it has been unproductive and not yielded any results to date. My life has been on hold waiting to hear from SPS with a decision and I have not made any financial transactions that might XXXX the process. I am deeply concerned about the deceptive delay tactics that have been used with me by SPS regarding this modification and the reasons why. I expressed my concerns on several occasions with SPS representatives and was told that we are near the end of the process and I just need to submit the requested information and this would be it. It never was " it '' there was always another request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
On XXXX/XXXX/15 at XXXX atm location XXXX I went to the atm to make a cash deposit as I always do. The bank was closed at this time. I selected the option to make a deposit and put the amount of {$640.00} into the slot that collects the deposits. After that the machine said there was an error and the atm was unavailable to use. It rejected only {$2.00} cash instead of giving back the amount I inserted of {$640.00}. Then a receipt printed out saying " deposit error unable to process transaction ''. I then called the bank and reported what happened and filed a claim. Following that I faxed a copy of the receipt the atm printed to the bank. I received a provisional credit for the amount of {$630.00}. Then I received a letter on XX/XX/XXXX stating they reviewed my account and they determined the transaction was processed correctly and no error had occurred and they would be deducting the {$630.00} provisional credit on XXXX/XXXX/15. I then called the bank again and was told that there was no overage in the atm so they had to deny my claim. There was no review of the surveillance tape which you would have been able to see me count the {$640.00} and deposit it into the atm. If my transaction was processed correctly and no error occurred then there would be record of my deposit and the atm would not have printed a receipt saying deposit error unable to process transaction. I feel that the bank failed to thoroughly investigate my claim. I am also going to small claims court to file a claim to take this matter to court. I have had the same checking and savings accounts for thirteen years, since I was XXXX years old and have never overdrawn my account or had any negative activity. After always having the same accounts and being comfortable with the company for so long I will now have to take my business elsewhere. Enclosed is a copy of the receipt that printed out at the atm and also the letter I received stating my claim was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My foreclosure trial case was postponed on XX/XX/2016 waiting for a Loan modification appeal response. Select Portfolio Services failed to use the correct and undisputed monthly gross income figure twice after receiving notification of their mistake. In writing on XX/XX/2016, and alerting them to yet of a worst mistake by phone on XX/XX/2016. This prompted to agreed motion to postpone court trial. See attachments. 
I contacted SPS on XX/XX/2016 to find out the status of the review only to be told that there was no review in progress since their decision dated XX/XX/2016 was their final and if I wanted further consideration I would have to start all over. 
After it took over 7 months for SPS to be satisfied that I had provided all the documentation needed, I feel SPS is not acting in good faith by demanding the process to start all over. I demand their mistake corrected without having to go through the whole process since a new trial date has been set for XX/XX/2016 where I can lose my home. 

It is obvious that SPS is failing in correcting and reviewing submitted and accepted information time and time again. 
On their letter dated XX/XX/2016, the loss Mitigation review determined that they incorrectly used the figure of {$3500.00} and updated with the " correct '' amount of {$2800.00}. The correct figure is {$4700.00} plus {$480.00} a month projected Estate distribution from XXXX XXXX once his mother 's Estate is settled. This information and supporting documents were furnished and accepted by SPS as part of the modification application package. So our monthly gross income should have reflected at least {$4700.00} or {$5100.00} not {$2800.00}. 
Upset that my Trial date was on XX/XX/2016 I called them to alert them yet AGAIN that they used the wrong amount. The representative then, reviewed my file and realized of the mistake and submitted the file for review again. I asked them to alert my attorney and their attorney that a final review would not be possible before my trial date of XX/XX/2016. 
XXXX XXXX XXXX of SPS Document Control Officer advised me that as of XX/XX/2016 a Motion to Continue would be filed to postpone trial on those grounds. It was done and accepted by the court. Unfortunately nothing was done since. Now I am told the review was completed as of XX/XX/2016 which by their motion presented on XX/XX/2016 makes no sense. 
Under the above circumstances I feel that SPS is not acting in good faith, by requesting us to do it all over with information that has been submitted, verified, accepted and completed under their own terms. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I was told I met the criteria for my child support to be used as income for my mortgage and that I was preapproved for a mortgage. I provided statements showing I received consistent funds from the exhusband then was informed that because he provided me with more than detailed in my divorce settlement, I did not qualify under the FHA guidelines. ( Which was odd because I was applying for a conventional because it cost less. ) When I called them out on it, they then " took back '' their preapproval/Letter of Commitment and said that because his name is on the account with restricted access, deposits only, no balance notification or withdrawal privileges, that " I 'm done ''. They will not write a mortgage for me. It 's my social, my account for the house I live in and all of my bills. When the mortgage person found it too challenging to pursue underwriting 's decision, he baited me with a question as to whether I had EVER paid any of my ex 's bills with that account, my reply was yes, I used his XXXX XXXX account ( which at that time I was a co-owner of ) and I repaid the amount I charged. Apparently that was all this mortgage guy needed and ceased all efforts on my behalf and has since refused to provide me with any communication.

Company response to consumer: Closed
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In XXXX 2015, I received a notice that from the mortgage companyNationstar, that they erroneously calculated the impound account formore than 12 months. The error resulted in a negative balance, whichwould require us to pay in full or make additional payments over time. 
The amount was XXXX. Since XXXX I have made the additionalpayments, plus sending additional money to bring down the shortage. 
I have made every payment, plus sent additional funds of {$900.00} toapply to the shortage. Since XXXX they continue to make errors inposting the payments, and I was called on a regular basis by theircollection department, telling me I was missing a payment. I spokewith XXXX supervisors and several line phone people trying to tell themthe payments were there. In addition they charge me interest, whichI was told by XXXX supervisor would be reversed, but that never happenWe are trying to refinance, and due to these ongoing errors, they arereporting two months late payments on my credit, even though I haveactually paid more that what was due. 
I want them to remove the late payments from my credit, as well ascredit my account for all the fees they have charged me. Also, theyneed to post the additional XXXX to the escrow account as I indicatedwhen sending the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
In XXXX of XXXX, I contacted Quicken Loans to inquire about a home loan to purchase a home for my family to live in Indiana. I was working with an individual names XXXX XXXX from Quicken Loans. During the process, I honestly disclosed to them that I had filed bankruptcy in XXXX of XXXX, and the Bankruptcy was discharged in XXXX of XXXX. 
XXXX XXXX stated that that should not matter, and that I was approved for a home loan. Weeks later, after I had my hopes up about being able to buy a house, XXXX contacted me, and stated that he now could not be able to approve me for a loan, because the bank that owned the loan on the house had not yet completed the foreclosure as indicated in the bankruptcy. XXXX stated that he would be able to approve me in a year, and to re-contact Quicken Loans in XXXX to re-start the loan process. 
I re-contacted Quicken Loans on XXXX/XXXX/XXXX, and have been speaking with XXXX XXXX from Quicken Loans. I explained to them what I was told by XXXX XXXX XXXX. Quicken loans is now stating that they will not be able to approve me for a loan, despite me being told by XXXX of their associated that they would be able to approve me. XXXX XXXX XXXX XXXX works for Quicken Loans, and when he tells a consumer something, he is speaking on behalf of Quicken Loans. It is illegal for a company to tell consumers something that they can not or or not willing to follow through with. I would like for someone to look into this, and hold Quicken Loans responsible to follow through with what their associated stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar XXXX XXXX XXXX and XXXX XXXX XXXX XXXX CA XXXX We started a short sale with Nationstar in XXXX 2016. We have a buyer who is willing and able to close the short sale. Nationstar has put this property through its in-house auction company that it owns, " XXXX '', two times, so that they can gain the 5 % fee they have named a 'Buyers Auction Premium '' fee. Both attempts by Nationstar to procure their own buyer have been unsuccessful. 

Since Nationstar was unable to procure their own buyer and thereby gain the additional 5 % auction charge, they have decided to simply not work on the short sale and instead take it back at the foreclosure auction - which is a month away. 

Nationstar is refusing to entertain the offer by the current buyer we have provided. This offer has not once been reviewed by Nationstar. They have decided this, even though they have ample time to review the offer we provided to them. 


Does the investor know that Nationstar is refusing to review an offer since it was not procured through the auction company that Nationstar owns?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Judge XXXX is leaving a court hearing open for the XX/XX/2017 on calender when I spoke to XXXX court clerk and said it was dismissed twice, however there are cases where they leave this open and steal your property at auction. She has committed treason in open court twice in case. I asked the Court clerk to have it removed and said it was n't necessary. She has no contract. 
There come to find out was no loan, and forged security instrument non-disclosure lending people back their own Trust Money of the fraud B.C. bond however there is a fund in which they steal from on XXXX derivative market XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation