vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: RI

Complaint narrative:
I have requested cancellation of FHA monthly mortgage insurance premium ( MIP ) on my mortgage loan, which is serviced by Nationstar. Cancellation is required under the law, because I have met all of the requirements under the law and regulations applicable to my mortgage loan. On several different occasions, I contacted customer service and requested confirmation that MIP would be eliminated once the LTV was brought to below 78 %. Each time I was sent a " PMI Cancellation Request '' form that purported to require me to authorize Nationstar to order an appraisal on my behalf at my expense. I refuse to consent to such an appraisal being ordered, as it is not necessary under my loan program. The pertinent regulations require cancellation once the LTV has dropped below 78 % of the purchase price.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Nation Star mortgage is adding fees for inspection and other fees that they do not make the customer aware of and will not waive the charge. There is not a notice left on your door when an inspection is done and why is an inspection being done if I live in the property. The other fees added are unexplained. Letter attached of Nationstar response.

Company response to consumer: Closed
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
We contacted Nationstar because we are in the 6th year of A Make Home Affordable HAMP and we received a letter from Nationstar Mortgage stating that we may be eligible for the HARP program with a reservation ID # So I call - We wanted to lower our monthly payment get our rate as low as possible for 10 years but we would go to 15 years. 

Well to get to the point when I received the email of the Loan estimate from Nationstar the Loan cost origination charges came to {$4800.00}. dollars this included points and fee so my total Loan cost $ XXXX.and total closing cost came to {$10000.00} and the rate started at 3.75 % then 3.125 % for 15 years I just feel or know something is just not right about these numbers. I have talked to other leaders and the loan cost ranged from XXXX to XXXX. If someone would contact me to let me know if Nationstar has had complaint before this I would like to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
An unauthorized charge appeared in my account. I disputed the unauthorized charge and the bank told me that it will take 60 days to complete it 's investigation, but has not credited my account. I contacted them after 2 weeks past and asked why they have not issued a provisional credit yet and they told me they do not issue provisional credits, that I would have to wait until their investigation is complete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My wife and are currently in the middle of a loan modification work out with Select Portfolio Servicing. We have been resubmitting all of the same paperwork for the last two and a half years and we still ca n't get a closure from this lender. 
Now our loan is being transferred to a new servicer on XX/XX/2016 and SPS our current servicer put a foreclosure sale date on our property of XX/XX/2016. 
Hears the unethical business act that SPS is doing to us, we are currently in the loan modification workout dept. 
We really need help stopping our Foreclosure Sale Date on XX/XX/2016. We have followed every request and guideline from SPS and now we are going to lose our home because of the lack of knowledge and again the unethical business practice that SPS feels they can get away with and nobody will file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
My family income rate decreased which lead us to apply for a loan modification 3 years ago. This process of mitigation has gone back and forth for 3 years with no resolution until now ... .FORECLOSURE! A realtor company just arrived to my door to inform me that our home was forclosed on Tue, XXXX XXXX. No one from Nationstar had contacted us at all. We were told that the foreclosure process would be stopped upon receiving the requested documents. This loan started with XXXX XXXX XXXX but was sold to Nationstar. The communication is horrible with Nationstar, until the last minute, to request an IMMEDIATE update on paperwork and repetitive forms that have already been faxed or emailed with confirmation. However, we ALWAYS immediately send every form/document, hardship letter, profit and loss statement, letter of explaination, etc has been sent in a timely manner. We do n't always get a confirmation from Nationstar that they 've received the documents so we have to call or email them. We ca n't get any one particular person to handle our case so it 's always difficult and almost impossible to consistently reach someone to discuss your case or issues. No clerk/technician ever has any concrete information about your case being settled, etc. They can only tell you if the documents have been received or not. After successfully receiving all requested documents our home has now been foreclosed. We 're capable of paying for our home but not at these extremely high interest rates. We 'd still love to keep our home but just do n't know what else to do. We 've even been using a third party, XXXX XXXX XXXX ( Foreclosure Prevention ) to no avail. XXXX is just as shocked about the foreclosure as we are and instructed me to file this complaint. Also, the realtor, XXXX, suggested I file a complaint as well because this happens too often and it does n't seem as though banks want to work with the occupants at all. What else is the consumer to do when you 've done all that was requested? All requests were honored in timely manners. If at all possible, IMMEDIATELY. We 've worked hard for what we have and are fighting for our rights to be property owners at this address. We 're young hard working professionals as a family of XXXX, who 's faced hardships and misfortunes just like others but we 're financially stable now and do n't know what else to do. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
We purchased a new home from XXXX XXXX in XXXX of 2013. They have their own lender and we used XXXX XXXX Mortgage. They sold our loan to Nationstar Mortgage about 5 months later. Our closing documents show that a portion of our payment into escrow would go towards paying property taxes. 
We are currently trying to refinance our mortgage and we are unable to because we have been told that Nationstar has not been paying our property taxes to XXXX county. I have tried to find out what has been going on with Nationstar and I 'm getting the run around, being told that we are tax " exempt '' I have no idea where they could have gotten that information. Our original loan was sold and I feel there is a violation of RESPA within that transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Nationstar denied XXXX XXXX application on the erroneous basis that she failed to submit documents. Nationstar continually requests documents in a piece meal fashion and as a result of its asking for documents one at a time, all the other documents grow stale and my clients ends up on a document production treadmill where the application is never completed because Nationstar requests documents one at a time or in piece meal. As a result, it denied XXXX XXXX application. All the necessary documents were PDF to XXXXXXXXXXXX but he is out of the office until XXXX XXXX, 2015. All the necessary documents were then faxed over to Nationstar today. 

Since, this is Nationstar 's error, we are requesting that it review XXXX XXXX application in its entirety and in the time frame required by HAMP, which it does not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Talked to XXXX XXXX XXXX XXXX XXXX at Quicken loans who is supposedly a senior mortgage banker about getting a mortgage. I told him I wanted to be able to pay the mortgage off quickly with no penalties. He told me that when most banks sell mortgages to other banks, the new bank can change the terms, including charging huge fees if you pay it off early but that Quicken does n't do that. I said I do n't believe that is true and that I did n't want to do business with a person who lies. I just think it was unethical and he should be reprimanded in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
MY name is XXXX XXXX I have a mortgae loan with nation star Loan # XXXX I lost my wife in 2014 of XXXX I no longer have her help with her income due to her death I am a XXXX year old man I tried to modify my loan with nation star because as of XXXX XXXX they want me to pay {$1800.00} these people are very unprofessional my daughter XXXX XXXX have been calling everyday to speak to a XXXX XXXX and she has not respond not even one call from her than she contact a XXXX XXXX XXXX and they filled out paper work and summit to nation star. and today she called and they told her I was denied for the modification I have never been late on my payments I can not pay that amount that they want I want to keep my home since its the only thing that I have left and many memories f me and my wife all I ask is to please give me an affordable payment and a low interst rate that I can pay my kids help me out with the bills due to the fact that I can pay them all by myself last year I had a XXXX XXXX help me out with my loan but he never told me that the interest rate and mortgage would go up they lied to me and I am an American citizen and I want justice as you can search my records I have never stop paying my mortgage even when my wife died so its not fair that they do n't care if I loose my house or not but I do to many memories I hold in this house please I need you to help me I told them I was going to contact you and they said so do what you have to do,,, were dealing with un professional people here once again please help me my phone is XXXX ) XXXX be free to call me anytime Sincerely God Bless XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
I applied for assistance in saving my home from foreclosure. My servicer Nationstar Mortgage denied me for assistance on XXXX XXXX, 2015 and again on XXXX XXXX, 2015. Both times my attorney requested from Nationstar Mortgage my denial letter and the mandated NPV chart that goes with it. Nationstar has withheld the NPV chart and refuses to send it to me. My attorney states since I was denied for the Making Home Affordable Program ( HAMP Tier 2 ) and I was told I was denied due to NPV the servicer is required by law to give me a copy of the NPV chart. I believe I qualify as Nationstar has said my new payment could not be reduced by the amount required by the program. My attorney states this is not correct and Nationstar must be using incorrect figures. I feel as if Nationstar is purposely evading giving me this information solely to try and evade and block me from assistance I know I qualify for. They also are not sending me the denial letters until almost 30 days after I am denied. My attorney has to demand the denial letter just to get any copy of it and they basically try to keep it so I can not appeal the denial. My last loan modification request was denied on XXXX XXXX, 2015. Nationstar withheld the denial letter until XXXX XXXX, 2015 and they still have not given me the NPV chart. Tomorrow is XXXX XXXX, 2015 and even if they now give it to me they have achieved with holding it from me for the 30 day appeal period and now I can not appeal because they with held the information from me to be able to appeal. I think this is very disturbing and I may lose my home over their illegal actions.

Company response to consumer: Closed
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently learned from a collection agency ( XXXX ) that the balance on one of my XXXX accounts was not paid in full and was charged off. XX/XX/XXXX, I moved from XXXX, XXXX to take a position in XXXX, XXXX and I filed a change of address form with the U.S. Postal Service. All of my other mail was processed correctly, somehow this account 's mail was never sent to me at my XXXX address. 
When I moved to XXXX, I applied for and received a new credit card with a new number ( ending in XXXX ) from XXXX XX/XX/XXXX. However, when I made purchases from the XXXX store in XXXX, XXXX in the amount of {$160.00} the clerk must have charged an old account. I gave the clerk my SSN and driver 's license and she charged the merchandise to what must have been an old XXXX account. All billings for the {$160.00} purchases were sent to my old XXXX address. I never received a late notice or a notice that the account was going to be charged off. 
I never received any type of billing notice from XXXX or XXXX. If I had, I would have paid it promptly as I always have. I have over 25 years of clean credit, there is no reason I would have not paid the bill. I have at least paid off XXXX mortgages over the last 20 years! I do have many accounts in order to run a property business so I pay a voluminous number of bills each month. 
XX/XX/XXXX or XX/XX/XXXX, XXXX sent the account ending in XXXX to collections as a " charge-off. '' Had XXXX not been negligent and made a " reasonable inquiry '' into my current address/phone number/email, they could have and should have notified me before " charging off '' my XXXX account. I have numerous accounts with XXXX as well as XXXX Bank which indicated my current contact information. I believe XXXX and XXXX acted in BAD FAITH. 
I have asked the bank and XXXX to allow me to pay for the products I purchased in full. They will not communicate with me other than to say the account was " charged off. '' I am asking that they waive or deduct all of the fees charged as it was their negligence that the charges were charged to an old account and I was never notified of the billings or the charge off. 
Ironically, XXXX is still sending me new credit cards and " hoping I will do business with them. '' I will never use XXXX or XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I have been trying to getting a modification with my lender ( Nation Star ) and all attempts has been unsuccessful. Recently, my house was listed for sale on XXXX/XXXX/15 and the judge postpone the sale and currently there is another sale date scheduled for XXXX/XXXX/15 and all documentations has been submitted to show verifications of an affordable mortgage. Currently, my husband has obtained a permanent position with his employer and this even makes affordability much better for the long term since it was due to husband being per diem with his current job. On a daily basis, there are constantly people who visit my property in the day while my XXXX children are home taking pictures, surveying the property, this is very terrifying when my daughter is constantly calling me sayings things like " Mom, they are looking around the house again or saying " Mom, someone is in the driveway again ''. I have to constantly reassure here not to worry herself. I have XXXX school aged children and I am pleading with you to help me save my home as Nation Star keeps denying my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NE

Complaint narrative:
I received an email on XXXX XXXX from Nationstar Mortgage informing me that my mortgage with XXXX XXXX XXXX had been transferred to them as of that date ( XXXX XXXX ). This was the XXXX correspondence I had received that even stated my loan was being transferred. At that time, I attempted to log into XXXX XXXX XXXX to see if I could get any documentation to download and was not able to see my loan information. In that email it also stated that my loan information would be available in the Nationstar system by XXXX XXXX. On XXXX XXXX, I received an email from Nationstar informing me that I could log into their system with my old loan number and see everything online in order to make a payment. I was unable to do so and have sent off several emails and contacted Nationstar because my mortgage is due on the XXXX. I am extremely stressed over this whole thing because I was given no notice, was not allowed to access my account on XXXX XXXX XXXX, and now am unable to register or log in with a new lender. In the last email, it was stated that I would receive my new loan number in the mail in a few weeks. This will then cause me to be late on my mortgage and I do not want it to be affected. This is a very nightmarish situation, and from my understanding, I should have at least been notified of the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BB&T CORPORATION
State: TX

Complaint narrative:
never received notification or not enough info to verify

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 2016-06-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, I incurred a financial obligation when I purchased my home located at XXXX , GA XXXX for the amount of {$180000.00}. The loan was evidenced by a Note, naming XXXX as the " Lender. '' Sometimes thereafter, my Security Deed was assigned to Select Portfolio Servicing. I, however, was not provided any notices of the purported assignment, sale or transfer of the servicing of the loan to Select Portfolio Servicing. I began to have difficulty meeting my obligation during the housing market collapse. In an attempt to save my home, I 've made various efforts to get an affordable loan modification from Select Portfolio Servicing. All attempts, however, were unsuccessful. It appears that they refuse to give me a reasonable workout option and is bent on taking my home. Because I questioned Select Portfolio Servicing 's servicing of my loan and how credits had been applied and whether or not my loan account is actually in default, on XXXX XXXX, XXXX I forwarded to Select Portfolio Servicing a Qualified Written Requests ( QWRs ) requesting that Select Portfolio Servicing provide me with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. Also, my QWR stated that it was my belief that my loan account has been improperly serviced in that credits for payments made by me had not been applied to my mortgage loan account. Select Portfolio Servicing, however, did not respond to my QWR, took no responsive action and undertook no investigation into the issues raised by my QWR. 
The only way to ensure the integrity of my loan and whether my account has been properly credited is for Select Portfolio Servicing to produce a verified accounting in compliance with RESPA 2605 ( e ).

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