vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I have owned my home for nearly 20 years. I am facing a foreclosure sale because my mortgage lender, Nationstar refuses to review my financial information and put any options on the table. Nationstar has stated to us that even though they received XXXX in government bailout funds that they are not obligated to participate, and that the investor on our particular loan does not offer any type of modification or retention options. This despite the fact that my wife and I earn a solid living and clearly fit into guidelines for government programs. This is a situation that could be fixed, but Nationstar will not assign a single point of contact, will not even look or consider ANY type of retention programs. I understand that possibly the investor has rules but it is common sense to try and FIX the problem when we have clearly demonstrated the ability to pay. 

We tried to talk to them about other options for retention outside of modification ( recapitalizing the late payments, repayment plan, etc. ) but they would not even CONSIDER this. I must say that I believe that this may have been racially motivated. My wife and I are XXXX XXXX and we were misled from the time we were talked into this bad adjustable rate loan ( starts at 7.5 % and can adjust as high as 14.5 % ) and then when we struggle we are told we ca n't even be CONSIDERED for a government program that we know our lender participates in. The agents who said they would help us and work with us soon became condescending and rude and then simply ignored us. This is not acceptable. I make a solid income through my social administration work. My wife is gainfully employed as well. We are not asking for a handout, just a fair shake. Nationstar has not given us one. We clearly fit into guidelines for help and this is an avoidable foreclosure. This situation is bad for our family, for our neighbors, for Pennsylvania and for our government that used taxpayer money to give Nationstar XXXX to help struggling homeowners!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I am a first time home buyer and purchased my home this XXXX 2015. My loan was sold to NationStar Mortgage and they have completely screwed up my escrow account. My taxes are set up to be paid on a semi-annual bases. As part of my settlement fees my first installment of taxes was paid in XXXX. The next installment was not supposed to be paid until XXXX. I log into my NationStar account and see that my monthly payment is now over {$250.00} more. Of course I am confused as to why. I check my escrow statement and am mortified to see that NationStar paid the annual tax amount and now they say I have over a {$3000.00} shortage. This is only the beginning of the damage! I call the XXXX and they said yes we did receive another payment in XXXX but it was only for the remainder of your taxes not the full amount and it was from somewhere called XXXX. I call NationaStar and they say they do n't know who XXXX is and that they need to call XXXX XXXX to see where the check for the full amount of my taxes is. XXXX XXXX says that they did not receive that check. So now NationStar is researching to find out where the check is! Oh and on top of the XXXX is a subsidiary of NationStar and the customer service rep did not even know that! The horrible part is I have no idea where the money came from that was sent from XXXX because it did not come out of my escrow account! Now NationStar has advised me that it can take up to 10-15 business days to resolve this so I have to pay the higher mortgage amount for XXXX. I am a single income household and only have been a home owner for 4 months and I ca n't believe I am going through this. I would have had my tax money in my escrow account for the XXXX payment! Please help me resolve this matter quickly before my finances are screwed!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: MCLEAN MORTGAGE CORPORATION
State: VA

Complaint narrative:
McLean Mortgage Co. of XXXX, VA pulled a copy of my credit report without my authorization on XX/XX/2016.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I believe that XX/XX/XXXX my mortgage was bought by Select Portfolio Services Inc. from XXXX. I did not receive notification from anyone that this had happened. I had automatic bank transfer for our mortgage with XXXX. SPS received payment for XX/XX/XXXX-XX/XX/XXXX, then they stopped collecting the mortgage payment. XX/XX/XXXX I had a XXXX XXXX, this laid me up for awhile. XX/XX/XXXX we found out that Select Portfolio Services had acquired our loan. The way we found out was that they ( SPS ) were starting foreclosure proceedings. After multiple times of trying to repay what we owe ( SPS refusing our payment every time, even though it was their mistake ). We are now in the world of loan modification and repayment. I have sent them all the information that they have asked for, 3-4 times. Every time I get a answer from them that they did not receive the fax or the fax broke down, transmission problems, etc. These people have no class, instead of working with us they would rather ruin you. I had no problems with XXXX or XXXX our previous loan agencies. We have lived in our home for 12 yrs and now we are being forced out. I know now that I have been SCAMMED by SPS. Something should be done about these people. Decent homeowners are being forced out of their homes for no reason. I will be contacting the FBI and the Attorney General of Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
Nationstar Mortgage LLC. ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) received the mortgage payment in full on XXXX XXXX. XXXX. As of XXXX XXXX, XXXX, the Reconveyance Department of Nationstar Mortgage have not released the lien nor provide an clear, rational explanation for the lengthy delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I could no longer afford the {$4800.00} mortgage payments offered on my loan modification and I requested to short sale the home since I owe about {$990000.00} and it 's worth {$650000.00}. I wanted to move quickly and avoid foreclosure. The servicer, Nationstar, requested that my Realtor use XXXX auction to sell the property. My realtor acquiesced but Nationstar has instructed the auction company to see the home for {$860000.00} as the minimum opening bid. It received no bids at the first auction and now they set it up to go through a second round of bidding, at the exact same price. Needless to say that it is an exercise in futility. 

An exact replica and directly across the street sold for {$860000.00} and was completely remodeled. This home needs well over {$100000.00} in upgrades as well as a remediation work due to a fire and mold damage. There is also a broker water line that needs repair but it runs through XXXX feet of concrete which is a huge job. 

We have received offers and they range between {$580000.00} - {$640000.00} all from investors because it 's not for a first time owner. 

I just want to sell the home but I was told not to accept an offer and make these buyers who submitted offers go through the auction. 

This is a waste of time and my Realtor could 've already sold this home. The traditional short sale makes the listing realtor accept the highest and best offer and send it to the servicers for an approval. This auction is a complete waste of time and does not inform the consumer of the major issues with the home. They failed to put in the remediation work and major rehab work that is needed. They 're offering it as it were in fantastic shape, which puts me, the seller, in major liability for not disclosing the condition. 

My realtor has the correct disclosure information on the XXXX XXXX XXXX but the auction site makes no reference to actual condition. It is misleading and false. 

I want to be allowed to sell it as a regular short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
My loan with XXXX was transferred to Select Portfolio Servicing , Inc . However a new title was not recorded. I had an agreement with XXXX that some old payment were deferred to the end of the loan. SPS want me to make payments now. I sent documentation that they will not honor because they said that they are not authorized. It appears there is another company UXXXX. I requested a restructure based on the home affordability act. They said they were not authorized. I requested arbitration based on my original agreement with XXXX and they would not do that too. This has been going on since XXXX 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
In XX/XX/XXXX I was legally awarded a property that was financed through Nationstar Mortgage following a divorce. It was stated in the divorce decree that I was legally responsible for the mortgage loan yet the mortgage company continues to refuse to speak with me regarding this account. I had to eventually refinance this property through a different financial institution because of all the problems they gave me. I have been trying to get an escrow check from my account after they tried to send it to my ex-husband but it was returned via return mail in which they then called my cell phone asking if I could provide a sufficient address for them to send him MY escrow check ( which I feel should actually illegal for them to do since I have submitted legal documentation that he has no financial or legal interest in the property and I had been making all payments on that loan since my divorce decree held me responsible for the loan ) but each time I call they transfer me to someone different, request several different documents to be sent over and then say it will take up to 10 business days to process those documents. I can never speak to a supervisor. I was given a supervisor XXXX XXXX email but he never got back in contact with me after sending him a quitclaim deed and my divorce decree AGAIN. I had to call back several times and speak with other customer service representatives. Today I was given a supervisor 's email that keeps coming back to me as error return email, her name was XXXX XXXX. I 'm not sure if I was just given a fake email so they could get me off the phone. No one can ever helps me with this situation. Here I am in XX/XX/XXXX still dealing with an issue that should have been resolved years ago and they still have my money from my escrow account. They refuse to acknowledge legal binding documents and refuse to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
Nationstar denied loan modification for property that was purchased XXXX XXXX with XXXX who was in process of beingsued for " preditory lending '' and filing for bankrupcy in that very month and year. 
Nation Star Mortgage eventually gained control of our mortgage from XXXX. There is a break in the chain of title of & gt ; the mortgage. MERS transferred the mortgage to Nationstar on & gt ; XXXX XXXX, XXXX, but before that on XXXX XXXX, XXXX Freddie & XXXX XXXX Mac owned the mortgage & gt ; ( please see attachment from attorney XXXX XXXX that I havesubmitted for complete information on this. ) Further, The process for " loan modification review '' lasted from XXXX XXXX XXXX, XXXX while the foreclosure process was moving along and is now is the final stages of the Judiciary process. 
I feel that Nationstar did not act in a timely manner and is not following guidelines for a fair loan modification on this property. Reason for mod denial is that the " delinquent amount due '' is too high to produce a lower mortgage when that amount has been increasing steadily as the loan mod review has taken so long. Nationstar regularly asked for documents, and then when those were in, found more documents they needed ; documents that had " timed out '' while Nationstar continued to request new documents had to be resubmitted. The process would begin again for review ; the request for additional documents would come XXXX by XXXX as the time ticked away and the " review '' could notbe completed yet! I worked diligently with Nationstar to complete the " Borrower 's Packet '' and qualify for a Loan Modification. I do n't feel that they have worked to meet my needs in a timely fashion and may not have followed the correct guidelines for a Loan Modification on my behalf. There also seems to be some illegal activity around my account, per the documentation that I have provided in an attachment from Attorney XXXX XXXX. A Sale Date is certainly immanent now on this property. Though XXXX XXXX has given me some council on this matter, he is not currently my attorney. I am working with Legal Aid of Hawaii now to hope to stop the foreclosure. Their resources only allow for Loan Modification assistance. Without immediate attention to this matter, Nationstar will likely foreclose on my property, as there was a sale date of XXXX XXXX, XXXX which was " post-phoned '' by the XXXX Commissioner while the Loan Modification Denial Appeal Review was in progress. 
My appeal for Loan Mod. Denial was denied today, XXXX XXXX, XXXX. 
I am XXXX years old. I purchased this property for my children and grandchildren. 
I would like to keep this property if at all possible. thankyou. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
My wife and I, who have been home owners for the last 16 years, and who have lived in our current residence since 2009, applied with Quicken Loans to refinance our current first-lien mortgage. We both have excellent credit. We completed all the application and required paper work, and provided all requested supporting documents within the first 6 hours of the process XXXX including tax returns, XXXX 's, XXXX 's, XXXX 's, and XXXX 's ). Since that time it has been over 2 months and we have not received an approval notice and we never received an adverse action notice. In fact, except for a few phone calls initiated by us, there has been no communication. It is my understanding they only have 30 days from the completion of the application to notify us if a decision. During this time interest rates have moved in an unfavorable direction. The more time that transpires the more money we are losing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: SD

Complaint narrative:
My mortgage company NatuonStar has refused my payments. I fell behind but have been trying to pay what I owe. A few months ago I sent a {$3000.00} payment which they never put towards my debt just kept suspended, when I trod paying another {$1000.00} they refused to accept it. I pay electronically. I have called so XXXX times and they do not answer, I have been on hold for over half an hour and messages left never get a response. At my wits end I asked for help from my local XXXX and they say my loan inand I needed to pay {$6000.00} to bring it out if forclosure Which I did. They had mailed me a check for {$3000.00} I had paid over a month prior and used my own money as well as a loan from my mother. I sent a cashiers check certified mail. My XXXX person said they had received it but there would be some legal fees. The very next week Nationstar returned my cashiers check and claimed I owed {$8400.00}, ni explanation why I owed so much more in the letter. Ironically the same day I reviewed a regular invoice saying I owed {$6900.00} ... Which was the {$6000.00} plus my XXXX payment. When we called the person had no idea where the {$8400.00} figure came from and that she would get a amount to me within 24-48 hours for the total due, payments and fees and that if I overnight ex the check it would be taken care of. However she did not get back to me and when I called I was put on hold for 20 minutes. My XXXX person did get a hold of the and they now say because it 's gone into XXXX I owe {$7900.00}. They say {$1300.00} is legal fees.. Which they refused to send an itemized explain action of claiming it 's their policy not to. Had I paid before the end of XXXX, which I would have had they called me with the amount due in the 24-48 hour time frame they gave me. So instead of {$560.00} in fees thy day I now owe {$1300.00}. I personally feel even the {$560.00} seems high and wanted to bring the invoice to a lawyer to see if it 's unreasonable or not, also I should b or have to pay & XXXX extra because they failed to get back to me in the time Fran quoted by them. I feel this is extortion or fraud. I have called and left messages with a local lawyer and the South Dakota attorney generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Below is a copy of one of my email to Nationstar LLC for your files : with the complaint details to add to existing complaint # XXXX XXXX XXXX XXXX .... 

XXXX XXXX : Nationstar LLC1. I regret that Nationstar 's shameful practice of blocking access to my account information continues and has triggered my complaint to a Federal Agency in connection with the Nationstar 's improper business practice of blocking access to my account information contained on the Nationstar Web Site, on condition that I waive the order from the XXXX 

2. Once again, the XXXX Ceast and Desist order against Nationstar was associated ( ONLY ) with with payment demanding and harassing phone calls between the XXXX and XXXX of month, and not internet access to my account information. 

3. I was coerced to make an unwanted web site selections to gain accessto my account data and to contact you for the 3 times about this issue. This amounts to punishing me by prevent access to my account unless, I withdraw my XXXX order against Nationstar Mortgage LLC. 
4.I INSIST THAT THE ACCESS BLOCK BE REMOVED, AT ONCE! See part of Blocking Panel that I was allowed to copy from the Nationstar LLC Web Site. 
" Ceast and Desist Confirmationclose '' This block prevented me from access to my mortgage information, and it is now in affect, notwithstanding my phone calls and emails attempting to get access to the Nationstar Mortgage LLC Web Site.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
Automatic draft of XXXX submitted bank charged XXXX for returned item, then another XXXX for an over draft. Item retried under automatic and again another XXXX OVER {$400.00} worth of charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
My Chapter XXXX Bankruptcy discharged XX/XX/XXXX. My Interest Only loan # XXXX adjusted while I was I was still in the bankruptcy. The lender did not notify me or the Bankruptcy trustee or my BK attorney. I continued to make payments the entire time and upon discharge was made aware of the payment change XX/XX/XXXX and immediately paid the arrearage. I was assured in XXXX different telephone calls that that loan would not be reported late. As of today, I am informed that the the loan is reported to my credit report with EIGHT late payments dropped my score and preventing me from pursuing a refinance now in process. Nationstar 's failure to notify me or the Bankruptcy trustee is not in compliance with Federal bankruptcy law pursuant to Bank Ruptcy Rule 3002.1

Company response to consumer: Closed with explanation