vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
I was contacted by a company called XXXX XXXX XXXX regarding a payday loan from 2013. This company had personal information that led me to believe that a debt actually existed. They stated that unless I paid the amount immediately by XXXX that a warrant would be issued for my arrest w/ a bond of {$6000.00}. I sent the XXXX and called back with the reference number. While on hold, I searched the company name online and discovered that it was a scam, but too late to prevent the transfer of funds. I was sent an " Exoneration Letter '' rather than a Release which further indicates that it was actually a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AutoMoney, Inc.
State: SC

Complaint narrative:
I have had XXXX or XXXX title loans with Auto Money in XXXX XXXX, SC. The first XXXX were paid off by another title loan company. But the next XXXX or XXXX have been renewed. About three months ago I got behind and the I was told by Auto Money in XXXX, SC to call the district manager, so I did. I spoke with him and he told me to call XXXX in XXXX XXXX to see what I could pay. I told XXXX that I could pay {$100.00} that day and the other {$370.00} in three more days. He stood right there and said OK, well the next night my daughter and I were at home and a repo company pulled in our driveway and hooked my car up. The driver told me to call the company, so I called the District Manager at that moment and he said yes, we had to take it. I had to pay about {$900.00} and some change to get it back. It took my whole check for about three or four weeks straight. I only have XXXX vehicle and they knew this. Since then I have received a new loan and the first payment was due on XX/XX/2016, well I received a right to cure letter on XX/XX/2016.That is not fair at all. This company is the most complained about company around and something has to be done about them. Thank you.

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

Complaint narrative:
Quicken Loans has been the best mortgage dealer we have ever worked with. 
But now they are telling that it is going to take 2 days to draft electronically. Really? Does this sound right to you? Are they going to be benefitting financially by creating a two day slush fund? 

" Due to some recent changes going into effect on XXXX XXXX, 2016, the recurring payments you have set up through MyQL may take up to 48 hours to draft from your account. 

For example, if you make a payment on Monday, the deduction will reflect in your bank account by Wednesday. However, it 's still important to ensure that the funds are available on the day your payment is made. 

You will continue to get credit for making the payment on the day it was scheduled. There will be no late fees associated with this timeframe change. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I need assistance getting a foreclosure sale that is scheduled on XXXX/XXXX/15 postponed. I am behind in my mortgage payments and have reached out to my mortgage company for help. They told me to send in all the application paperwork so I can be considered for a loan modification which I have already sent in. Now they are telling me it is too close to the sale date to do anything, 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 2016-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
have mailed in payment 4 times and paid exactly the amount they sent in writing. Have been trying since XX/XX/XXXX to pay. also sent in copy of my account from the website. they sent every check back because the amount was slightly different from what they claimed. the amount always changes. then asked for a detail breakdown of exactly what is owed. what they claim as detail is not clear- is not a clear breakdown of exactly what is owed. see attachments for their last letter- is not a clear breakdown. copies of prior payments also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In XXXX my husband was killed in the military, leaving our daughter and I, I used his life insurance to buy a house for us. I was the victim of predatory lending, the company that did my mortgage is under federal indictment and all the people doing loans there are in jail. They forged my signature on documents and lied about me having a job and the rates and terms i agreed to changed on the final documents. in XXXX my daughter was XXXX and I had to close down XXXX that I had opened the previous year and lost all my investment. The mortgage company at the time : XXXX, illegally foreclosed on me and I got a judgement in my favor. I then applied for a modification and kept getting denied for lack of paperwork. Finally I had all the paperwork right and they sold the loan to XXXX. Went through the whole process with XXXX for literally years. Constantly having an issue with something in my loan modification packet. Finally got it all done and it went to the underwriters and a couple of weeks later they told me " it all looks good, just doing some final package information '' then they sold my loan to Nationstar. In the mean time I am not allowed to make payment and fees and late charges etc. are over {$100000.00}. My original loan amount was {$630000.00} and now my statement is saying my original loan amount is {$700000.00}. Nationstar makes me go through the whole process again, I keep having paperwork issues, they have XXXX different files on me and my paperwork was n't being sent to XXXX, so they could never find it all. I have requested my phone and e-mail to receive a copy of all the fees and charges on my loan and a copy of the original deed and they have all said, yes they will send it and I have never received anything.. as of today, I have been denied a modification again, based on income and they did n't have my income correct when I asked, they say I owe {$400000.00} on top of my {$700000.00} which was originally {$630000.00}. Without being able to afford a lawyer, I have no way to get them to give me the information I need and no way to hold the Banks and the lender accountable. This is the only home my daughter has lived in and she needs consistency, my only financial security was my investment in this house and took all of my husbands life insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
The loan modification in questions was originally submitted to XXXX XXXX XXXX on XX/XX/XXXX. After its transfer to SPS, documentation was lost and had to send same information several times-all via email. 

There is currently a trial date scheduled and opposing counsel is giving us some resistance with continuation based on the pending loan modification. I have confirmed on XXXX different occasions that SPS has a facially complete loan modification-the latest occasion was XX/XX/XXXX. ( The remaining item that they requested on numerous occasions was originally confirmed received XX/XX/XXXX and was sent four times additionally since that time. ) We just ask that SPS please communicate with their counsel to indicate that it is facially complete to allow time for a decision on the loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I have paid extra money on principle balance of home loan, the current LTV shows 78 % and the bank is not removing the PMI from my mortgage payment, they are stating that I must send in a written request, I explained that at 78 % LTV the law requires them to automatically terminate the PMI, they told me no I must send in written request.

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

Complaint narrative:
Nationstar Morgtage needs to be reviewed, monitored and stopped in reference to : 1. Harassing inappropriate communication with mortgage holders. 
2. Inappropriate statements being sent to foreclosed mortgage holders. 
3. Unwillingness to work with HUD housing counselor - lack of knowledge on how HARP works, how foreclosure works and over all mortgage process for up to date assistance to mortgage holders. 
Nationstar bought my mortgage in XXXX XXXX and final foreclosure occurred on my property in XXXX XXXX. I was forced into bankruptcy XX/XX/XXXX and the bankruptcy was finalized in XX/XX/XXXX, which canceled my complete mortgage debt bought by Nationstar. Even though my property was foreclosed on in XXXX XXXX and my bankruptcy canceled my mortgage debt ... .Nationstar continues to contact me by phone and letters. There is NO reason for this contact and months after the finalized foreclosure if my property this contact is HARASSMENT! 
Nationstar is also sending inappropriate, misleading financial statements expecting payment for fees and charges Nationstar has accrued due to the foreclosure of my property. Even though Nationstar calls the statement " Informational '' these fees and charges are NOT MY RESPONSIBILITY - so what right does mortgage companies have for sending out misleading and false statements? 
" INFORMATIONAL STATEMENTS '' are wrong and must be stopped ... .how much money has mortgage companies gained from knowledgeable highly targeted seniors???? 
In discussion with housing counselor in WA state I was told to send Nationstar a certified USPS letter telling Nationstar to stop all communication immediately. Nationstar has ignored my letter and has stepped up contact by sending more letter even documents for escrow ... .why????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Claims to have not received a payment but I have clear bank proof of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
Nationstar Mortgage company held my mortgage which they purchased from XXXX. On XXXX XXXX this balance was payed off in full. on XXXX XXXX I called Nationstar to inquire when I should expect the release of mortgage/Iien papers and when my county would receive the deed. At that time I was told XXXX days after payoff, which was XXXX, so I should receive release of mortgage in XXXX days. 
On XXXX, I again called them and was told I would receive the paper work in XXXX days, on XXXX XXXX I was told 30 days following payment, which again they said was received XXXX XXXX, so again I was told, inXXXX business days. On XXXX XXXX, I called again and was told my paper work should be received in XXXX business days. On XXXX I went to Nationstar 's online site and filed a form requesting the proper paper work to show the mortgage had been payed off, on XX/XX/XXXX, I received a return memo per e-mail stating they had received my request and should receive the release notification in XXXX business days .As yet I still have NOT received this and am beginning to believe they have lost the the deed, I am tired of this run around. I was given your name by another financial institution. My next step will be to an attorney, I feel that I have been overly patient. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I refinanced with XXXX XXXX XXXX last year. The loan was subsequently sold to Nationstar Mortgage and has been serviced by Nationstar since. My property has XXXX tax parcels. When I closed the loan, I made sure that both parcels were documented for the escrow account. I deposit over XXXX dollars to the escrow account with Nationstar on a monthly basis. A few months ago, I was alarmed that only XXXX of the tax bills has been paid out from the escrow account. Nationstar has missed XXXX payments of the other tax bill, which accounts for about 90 % of the entire tax liability. Now even though I have sufficient fund in my escrow account, my property tax is delinquent and significant interest has accrued on the tax due to late payment. I 'm at risk of having my credit damaged and having a tax lien on my property. I 've been calling Nationstar every week but they have n't resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
My loan was purchased by Nationstar Mortgage LLC and they later stated that they did not have my home insurance escrowed as it was with the previous lender, XXXX XXXX XXXX. I had to pay my home insurance out-of-pocket. 
They took over a year to tell me that my escrow balance was deficient. 
My servicer agent told me he would call me back and let me know if I was eligible for assistance under any of the government programs ( ie. HAMP ) and did not. Next thing I received was a letter from their attorneys saying my loan was referred for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I use XXXX for my financies. I track when I know my deposits will arrive and schedule bills according. 
If I know I will have funds on the XXXX I will schedule a bill/draft for the XXXX or XXXX. BB & T is drawing the funds XXXX to 5 days prior to the actual with draft/payment. This causes an overdraft because the depost will not arrive until the XXXX. This seems unfair to charge me an overdraft when an overdraft would not have happen if they did not cause it. 
If they are going to allow overdrafts then whats the point of pulling the funds early? 
I feel this should be illegal to charge me an overdraft when one technically did not occur.

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 2016-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
My initial Mortgage was with XXXX and was late passed over to Nationstar mortgage. Without my input or any sort of options. Since my Mortgage has been in the hands of Nationstar Mortgage, I have made several inquiries to the company. ( 1 ) I requested a review of my account, because I felt that all over payments that I had made, over the years. Was not being applied to Principle as intended and requested. They took several months to respond. Only because I persisted, in my request. I did not get a satisfactory response. ( 2 ) Nationstar discontinued sending me monthly statements, even after I notified them, that I had not elected paperless statements. Today, I have not received a monthly statement in over 6 months. I would like an investigation into this account. Possible transfer to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
To whom it may concern, I was looking over my parents mortgage papers, and noticed that when they bought there house they first time buyers and the mortgage company they went to was XXXX XXXX, there house was priced at {$87000.00} with a down payment of {$3200.00} which leaves them financing {$83000.00} at a 9.347 % interest rate on the loan, looking over the papers, I discovered that they charged them a finance charge of {$160000.00} which is more than the asking price, the total loan ended up coming out to be {$240000.00}, which is almost more then double the price something is n't right here, and something needs to be done about this, they bought there home back in 1996 and still paying off this huge loan when really the house should be paid off, the real loan total should have been {$91000.00}, also in the matter they had a lawyer present through all of this, but looking through the papers his signature is no where to be found on any of the documents, My father would like a reduction on his left over balance of what he owes because this company fraudulently took advantage of them and something needs to be done, the reason we were looking through the papers was my Dad had to refinance through HARP at the time he had a 30 years fixed rate, but he thought he could do better through a HARP refinance. which he found out not to be the case, he thought he was getting a 30 year fixed modification at his age of XXXX years old, that would have been appropriate, the modification was done through XXXX XXXX, they had a program called the XXXX step which part of the loan was at 2.5 % interest and the remainder portion was at 3.0 % interest, but it turned out that was n't the case, he thought the HARP program was going to help but he came to find out that they gave him a 40 year mortgage instead they broke it down to XXXX different percentage pay scales, his intent of getting the modification was to get a 30 year fixed. he did n't want his mortgage to go up, he wanted it lowered because of his age, so he basically went from the fringing pan to the fire by getting his loan modified, being a trusted soul I thought that everyone would do right by him, because of the modification he will not be able to afford it when they do the next bump up on the interest rate, bottom line is that HARP does not help it hurts and needs to be fixed, the total mortgage process has be traded him, That we are seeking justice for all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
To fill a gap in the chain of title for my property from XXXX I was given copies of original paperwork, payment information, applications and anything but what I asked for, a continuous, unbroken chain of title as proof of standing to foreclose. After numerous formal requests by QWR 's XXXX transferred servicing to Nationstar.that continued the barrage of useless paperwork. I was sent a Corporate Transfer of Trust deed that XXXX sent me that is a fraudulent, fictional, forged document that purports to fill the gap between XXXX directly to the Pooling and Servicing Agreement of XXXX for XXXX trust.There were many other transfers. I have proof that XXXX shredded the original Note that alone nullifies any authority to foreclose. The transfer occurred 6 years after the XXXX XXXX, 2004 closing 3 yrs.after XXXX closed, and 3 yrs. past the Notice of Default. 
Was the investor paid by insurance or lawsuits? Neither of us have clear title so we need to settle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
i have asked to have paperwork sent to me in the past two months from SPS so that they can update my file for reaching a agreement for my home. They sent a letter today that they deny me loss mitigation, how can this be done if they did not allow me to present paperwork about how my situation has changed. Can you 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 2015-10-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I have been served with foreclosure papers from Nationstar Morgage. I am currently working with a Foreclosure Prevention Program Manager. See the contact info below. 
XXXX XXXX XXXX XXXX , XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX. XXXX XXXX is my representative. With XXXX XXXX working on keeping me and my family in our home, we have been asked 4 TIMES to submit the SAME PAPERWORK. Nationstar requests a whole bunch of documents. I comply and send EVERYTHING requested. Nationstar simply sends me a denial notice and when XXXX XXXX follows up with an inquiry as to why we were denied a modification, Nationstar simply repeats the request for the EXACT SAME DOCCUMENTS. I am very frustrated and really ready to tell them they can have the house. We are a middle class family struggling on XXXX XXXX to keep our modest home. I am extremely frustrated with the way the banks handle the entire procedure. Nationstar is a HORRIBLE COMPANY and does NOT work with homeowners who have had hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
A servicing company is trying to use a foreclosure mill law firm in Texas to foreclose upon my home when they ( the Servicing Company ) do not have any legal standing in my case. I have rescinded the loan under TILA and they are still proceeding with a foreclosure on a deed of trust that is now void. A notice of sale was recorded, and there is a pending sale on my house for XX/XX/XXXX

Company response to consumer: Closed with explanation