vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
After 5 years of spending thousands of dollars, as well as sustaining bankruptcy in efforts to save my home that is my primary residence, a company that worked on my behalf got my mortgage company, Nationstar, to agree to modify my loan, if I agreed to drop a 'QUIET TITLE ' civil suit that was pending in civil court against them as well as sign a legal statement from their attorney stating that I would no longer be represented by my former attorney. They sent me what I just discovered was some sort of general modification agreement and not one that is HUD oriented. The modification was originated by 'The XXXX XXXX XXXX who worked out the negotiations. My loan was modified to 2 % and the new monthly payments are more affordable and now I am able to continue to successfully meet my mortgage payments. However after I was no longer legally represented by 'ANY FIRM OR LEGAL REPRESENTATIVE ' ; three months into my trial period, the mortgage company REJECTED MY NEW MODIFICATION AND IS NOW TRYING TO FORECLOSE ON MY PROPERTY FOR THE 4TH TIME SINCE ALL OF THIS STARTED. I sought legal help AGAIN, and this time finally got help from XXXX of the HAMP agencies who work through HUD. BUT now they have told me that after finding issues with what I just went through, they could not help me either. I AM SEEKING A GOOD MORTGAGE LIGITATION ATTORNEY TO ASSIST ME WITH BEING SCAMMED OUT OF MONEY AND BEING TAKEN ADVANTAGE OF BY ALL OF THESE PROGRAMS WHO PROCLAIM THEIR HELP BUT NEVER HELP YOU ACHIEVE THE DESIRED RESULTS YOU SEEK. ALL I WANT TO DO IS TO SAVE MY HOME. I DO N'T WANT THIS TO DRAG OUT FOR ANOTHER 5 YEARS UNTIL I EITHER LOOSE MY MIND OR MY JOB AGAIN! Thus becoming a victim of 'less than qualifying income ' that will put me in the status of 'REALLY NOT BEING QUALIFIED ' for continuing to keep my home. Is this the undercover strategy being use to achieve the mortgagors primary goal? : : 'to obtain property for future profit ' ; NO MATTER WHO SUFFERS THE LOSS? PUT A FAMILY IN THE STREET FOR THE PURPOSE OF GAINING A PROFIT LATER WHEN TIME MAKE IT PROFITABLE FOR THEM TO DO SO! IS 'GREED ' THE NEW DESEASE WE NOW HAVE TO FIGHT? WHAT HAPPEND TO THE LEGAL ACTIONS OF FORFITING A CONTRACT? WHAT LAWYER CAN ARGUE THESE FACTS? PLESE CONTACT ME. I NEED LEGITIMATE LEGAL REPRESENTATION FROM A FIRM/ATTORNEY WHO IS WILLING TO SUPPORT WHAT IS RIGH UNDER THE LAW IN OFFERING ME THE LEGAL ASSISTANCE I NEED TO SECURE MY HOME FROM THESE PREDITORY LENDORS WHO BREAK CONTRACTS FOR THEIR PROFITS ' SAKE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio has the correct address for me. I have notified Select Portfolio of my new address ( or addresses ) pursuant to the Select Portfolio 's requirements for receiving a notice of a change of address.They allegedly sold their servicing rights on XXXX XXXX, XXXX. Select Portfolio did not follow the law regarding sending a notice of transfer 15 days prior to date of transfer. ( See 12 C.F.R. 1024.33 ( b ), and CFPB Bulletin XXXX, Date : XXXX XXXX, XXXX, Subject : Compliance Bulletin and Policy Guidance : Mortgage Servicing Transfers )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BB&T CORPORATION
State: WV

Complaint narrative:
PAID " XXXX XXXX HOTEL '' .... ( twice ). 
I PAID on XXXX XXXX, 2015 ... ..As I had already paid for it. 
HOTEL CONFIRMATION # : XXXX ... .. ( via CHEAP TICKETS, on XXXX XXXX, 2015 ) ... XXXX " B.B. & T. BANK '' XXXX HAD TO PAY AGAIN ON XXXX XXXX, 2015 ... ... ( AS THEY.. ( XXXX XXXX ), DID NOT HAVE ANY RECORD OF MY PAYMENT, ON XXXX XXXX, 2015 ... ... .HAVE " BB & T BANK '' RETURN MY {$78.00}, TO ME PLEASE. 

*SEE ENCLOSURES.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I have attempted several times throughout the years to, communicate with the non-va medical facilities, that I 'm a XXXX vet and there is a department in the XXXX XXXX va facility in XXXX XXXX Michigan called the department of veteran affairs XXXX XXXX XXXX XXXX XXXX Michigan XXXX phone number XXXX, I spoke with XXXX today XX/XX/XXXX and he informed me that they never received any bills from this debt. Merchants and medical XXXX flint Michigan XXXX in regards to a visit that I made dated XX/XX/XXXX account number XXXX, this item ended up on my credit report, these are the types of issues that our American veterans have to combat in order to try to even maintain some sort of normal life, no one takes the time to go thru the proper procedure to make our life more easier when trying to navigate thru these non-va facilities. im faxing you the debt on my credit report and my va status. I would appreciate it if these debt collectors would contact the proper departments you make it difficult for a lot of veterans by not simply making one phone call. Remove this from my credit. 
XXXX XXXX

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 2016-06-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
We called Quicken for rates and fees. The rep stated that the rates were 2.75-3.375. After calling us back the rep stated rates were XXXX points and XXXX. The rep also said we did n't have programs available ft hat were promised for like 1 % down programs during the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I refinanced through Nationstar in XXXX of XXXX. When I refinanced part of the contract was that they wanted to " retire '' the title. Months later I called weekly to confirm that would retire it and they never did. I put my house on the market for sale in XXXX of XXXX. When the contract got to the closing attorney it was found that they had lost the title to my manufactured home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
On XXXX/XXXX/XXXX, I called Nationstar Mortgage to make my XX/XX/XXXX mortgage payment. The representative told me that there is {$2500.00} unused ( un-applied ) funds in my account. The only payment I needed to make was {$3000.00}. I made that payment plus a {$19.00} service fee for making the payment over the phone. The payment was never applied to my account because when I made the XX/XX/XXXX payment on XXXX/XXXX/XXXX, Nationstar Mortgage applied it as XX/XX/XXXX payment. I received a letter XX/XX/XXXX to contact them if I have trouble paying my mortgage. I got alarmed and called them on XXXX/XXXX/XXXX. I was told that my XX/XX/XXXX payment was not made and what I paid in XX/XX/XXXX was in fact for XX/XX/XXXX. When I explained about the {$3000.00} payment in XXXX and the {$2500.00} of unused funds, the representative was able to confirm it and said that they would correct the issue. On XXXX/XXXX/XXXX, when I received my credit score, I noticed a drop in my score. When I pulled my credit report, I noticed that they reported a 30 day late for XX/XX/XXXX and they never fixed the XX/XX/XXXX paymentFurthermore, I noticed that they reported 120 days late for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Nationstar Mortgage received the servicing of my mortgage starting XXXX XXXX. They have received every single payment on time and should not have reported 120 days late to the credit agencies. The payments starting XXXX XXXX until XXXX XXXX are as follows. As shown, there is no late payment since the loan was Nationstar:XX/XX/XXXX Payment of XXXX Payment of XXXX Payment of XXXX Payment of XXXX Payment of XXXX Payment of XXXXXX/XX/XXXX Payment of XXXXWhen I called Nationstar, I spoke to an agent for one hour and he found the problem, but dropped the call before fixing it. I called again and after another whole hour, the agent said that he is transferring me to account resolution and instead of transferring, he dropped the call again. When I called back the customer service was closed.

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

Complaint narrative:
Our home is mortgaged through XXXX XXXX, the servicing agency being Select Portfolio Services XXXX " SPS '' ]. XX/XX/XXXX, the anniversary date, we notified SPS that under the terms of the agreement, we would pay the insurance carrier for hazard insurance on our property directly, and would no longer be paying through SPS. We provided a written notice and the policy declaration to the company. See, Exhibit A, appended. SPS continued to bill us monthly for the escrow payment. XX/XX/XXXX, we resubmitted the same information, again requesting that SPS no longer bill us for escrow for hazard insurance. Although SPS responded in writing [ See, Exhibit B, appended ] and we have had numerous communications with SPS, and promises that the issue would be resolved, SPS has not stopped billing. See, Exhibit C, appended. Because of concern about possible reports by SPS to credit reporting agencies that we are delinquent in mortgage payments, we have continued to pay SPS. SPS, therefore, has taken our money purportedly to pay for insurance, but has never paid the insurance carrier -- we have. At this point, SPS has overbilled us {$1000.00} -- being doublebilling for insurance escrow money SPS never paid the carrier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
NationStar purchased my mortgage in 2015. In XXXX 2015 I requested a payoff. Per the XXXX loan payoff notice balance of {$23000.00}, this amount was PAID IN FULL well in advance of the XXXX/XXXX/2015 pay off date. Nevertheless, NationStar somehow claimed a {$370.00} balance due that I have repeatedly demanded NationStar to explain and provide a full accounting. All I have gotten in response is forms and inaccurate and false claims. The NationStar online " dashboard '' continues to erroneously reflect a " last payment of {$7900.00} was received on XXXX/XXXX/2015 '' and " Past due amount of {$1000.00} '' which I also requested be corrected to no avail. Now, I 'm getting billing saying {$2100.00} is 'past due ' on an unsubstantiated and disputed {$370.00} balance. Every assigned 'dedicated loan specialist ' I try to contact is never 'available ' and you get transferred to a 'new ' agent and need to start at step 1 and again explain the problem. NO ONE at NATIONSTAR will address the problem or provide the requested accountings. Now NATIONSTAR is dinging my credit rating by false reports to the credit bureaus ; I discovered the problem the hard way when I was denied credit because of a XXXX point drop in my rating to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
To : SPS and Equifax XXXX/XXXX/2016 From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX You are showing my account with SPS in collections this is not the case the house has been sold. 

See sale docs and the letter from SPS that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My Case number : XXXX. I submitted a complaint by in XXXX of this year. Since then we have been trying to do a loan Modification with Select Portfolio Services. We continue to submit documents and resubmitting. On 6 different times I have request the SPS send us the transfer of the Trust Deed for every time my loan has been sold. Twice in writing and 4 times on the phone. I have also request my complete payment history from the origination of the loan. Finally this week they sent me the payment history dating back about 3 years ( the loan was originated in 2007 with XXXX XXXX ). I have never received the Trust Deed or the complete payment history. Yesterday we were sent a notice that they were filing a notice of default and setting a sale date, and we thought we were negotiating for a loan modification. We ca n't understand how they can file a notice of default if they refuse to supply us with the required documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
My ex wife asked me to sign a quit claim deed so she and her boyfriend could get my name off mortgage in which I sign the quick claim deed she then modified the mortgage on our joint property that we own together in order to remove my name from said property that was over XXXX years ago now I have not only my name on the property but an extra {$60000.00} in debt that I never signed any of this paperwork I did sign a quick claim deed being told that that starts the process of me getting my name off the property but I was not told in any way shape or form that I was going to be modifying the mortgage I never gave Nationstar my permission to do that I would have never signed any of those contracts I am taking my ex to court over 2 times they have all been found in contempt each time of violating the divorce decree but she does not have the credit nor the ability to refinance the property because now the property is owed {$160000.00} its value is only worth {$70000.00} I am remarried and this now cost me my financial ability because I am still in debt on that property with no way to be able to remove it please help me in this situation Nationstar Mortgage did wrong by doing this. There is no way for me to be able to sell the property I have tried to do that but she owes way too much. And what am I supposed to do for my children out on the street I do n't think that would work anyhow this is going to cost me my second marriage by this continuing on please email me or contact me by phone for any questions thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Our home loan was sold by XXXX XXXX XXXX to Nationstar Mortgage Company XX/XX/XXXX. A homeowner 's insurance premium came due on XXXX XXXX, 2015. The terms of the loan call for this payment to be made from our escrow account. This payment was not made by Nationstar Mortgage as agreed, and the coverage will be terminated on XXXX XXXX, 2015. Both Nationstar and XXXX XXXX XXXX provided assurances that the transition would be seamless. In addition, they have XXXX our mortgage insurance premiums without explanation. I contacted Nationstar Mortgage directly and did not receive any response and certainly not a resolution within their promised time frame. Attached please find the escrow details from Nationstar 's website that indicate the homeowner 's inusrance payment is scheduled for XXXX 2015. Today is XXXX XXXX, 2015. MIP should be half of the shown amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Please note that all Assignments that were recorded for Property located at XXXX XXXX XXXX XXXX, XXXX XXXX notarized by XXXX XXXX need to be investigated for fraud and misuse of the Notary Certification for the Nationstar Mortgage LLC. personal gain. 

All persons who notarized the assignment has lack of capacity, authority and personal knowledge of the facts regarding the transferring of the note to the current Servicer, Nationstar Mortgage LLC/ The Assignments recorded also shows lack authenticity. Under the Consent Order with the CFPB, Nationstar Mortgage has the due diligence to make sure the consumer protection laws were adhered to. 

We requested a principal modification, principal reduction based on the assignments and Nationstar LLC has failed to honor such request and did not give us an explanation why we were denied A complaint will be filed against the Notary in the Executive Governors Office in XXXX for their errors and omission by not validating the reference document.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My mortgage was sold to Nationstar from XXXX XX/XX/XXXX. This is a loan modification that was in effect since XX/XX/XXXX, with never a late or missed payment and no issues XXXX. Since XXXX has had this loan there have been multiple problems. In XXXX my payment was increased due to an increase in the required amount for my escrow impound account. That was n't the problem - I only became aware of the increase when I received a letter in late XXXX from Nationstar stating that my XXXX payment had not been made. My credit union statement showed that it had been made on time. Because Nationstar had not received the full amount ( the new amount ) they suspended the payment - again with no notification. When I was finally able to find out what had happened to the payment I made, I paid the difference with the XXXX payment.They reported this to all XXXX credit bureaus as a late payment and in the case XXXX, continue to report that there have been no payments in XXXX, XXXX or XXXX. I have not missed or been late making payments on this loan and all payments are current. They are also reporting to all XXXX credit bureaus that my delinquent balance owed is {$63000.00}. This amount is part of my loan modification terms and is a deferred balance that does not incur interest or require payment. They have destroyed my credit that I have worked diligently to repair and I fear they are trying to dismantle the loan modification that I worked so hard to get. I have filed disputes with all XXXX of the major credit bureaus, but in the meantime my credit is a disaster. Please help.

Company response to consumer: Closed
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
Previous filed complaint # XXXX. Company responded to inquiry but when cause of problem was discovered to be different than complaint, company was not required to do anything other than what was submitted on complaint. therefore filing new complaint in attempt to resolve situation. 

My previous mortgage company was XXXX XXXX. I made a scheduled payment to XXXX on XXXX 2014 ( exhibit XXXX ). 

In XXXX of 2014 Nationstar purchased my loan. Nationstar said they did not show a payment being received for XXXX. Nationstar also reported that XXXX ( previous Lender ) had applied a charge of {$390.00}. 
Nationstar supplied requested financial history from XXXX that showed {$500.00} payment being received and did not show a {$390.00} fee. ( Exhibit B ) Nationstar then reported that only a partial payment had been received. ( Exhibit XXXX ) Nationstars requested financial history shows no partial payment, but does show the {$390.00} previous lender charge as well as multiple charges for inspections and late fee. ( Exhibit D ) I have contacted every representative they have sent me contact info for since XXXX of 2014 and have left approx XXXX voice mails for these representatives and have only been contacted XXXX ( XXXX ) time. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
( Exhibit E-H ) Nationstar continues to place flyers on my door imploring them to contact them and threatening foreclosure, but then refuses to return my calls. ( Exhibit I ) I had a contract with XXXX XXXX to pay back taxes from XXXX to XXXX of 2014. This put my payment amount at {$500.00}. I paid this amount in full. ( Exhibit J ) My current payment is now {$240.00}. I have been paying these amounts correctly and timely against the recommendations of Nationstar representatives when I call in to pay. 

I have made every payment I am required to make to both XXXX and Nationstar on time. On XXXX separate occasions Nationstar refused to take my payment because it was not the amount that they said was due. I am and have been paid up to date on all of my contractual obligations and yet Nationstar continues to try to force me to pay inspection fees and late fees as well as an mystery {$390.00} fee that they can not explain. Nationstar is trying to foreclose on my home because it has equity. Their claimed late payments has damaged my credit. 
I am requesting and imploring for some type of assistance against this criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I have received two telephone calls in the last 18 hours from NationStar mortgage asking when my payment will be received. The payment is not due until XXXX XXXX, but the calls began on XXXX XXXX. 
This is my first month with NationStar, as my mortgage was transferred from XXXX. Out of force of habit, I paid XXXX the amount due, which cleared my account on XXXX XXXX. XXXX informed me that they would forward any errant payments for the next 60 days. However, the harassing telephone calls from NationStar continue.

Company response to consumer: Closed with explanation