vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SimpliFast Lending, LLC
State: MO

Complaint narrative:
I applied for a loan from a company in Kansas XXXX Kansas called Simpli Fast lending for an unsecured loan of XXXX or possibly more. The ad is false misleading because it states that bad credit is no problem and it deceives people into thinking the will get a loan regardless of their credit history.I have filed a complaint to the better business bureau and attorney general in my state but they will take a long time to look into my complaint. The ad states as follows Need Money No Problem Personal Loans Simple Easy Fast Bad Credit. No Problem Approved in minutes. 
Apply online or stop by. 
Open M-F XXXX SimpliFast Lending The loan experience you deserve XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I emailed the company and XXXX answered by email to my response but he did n't come back with a response just yet. I am asking that the amount of the loan that should have been financed to me in addition to all legal claims for false and misleading advertising in additional to all applicable lending laws as well as other damages as well. So I would ask that the company pay me all losses in my settlement as I needed the money for urgent personal matters as I am more than able to pay back the loan with my income requirements as well. I get a va pension of XXXX, social security XXXX of XXXX a month, and about XXXX or more a month working part time at my job which would be more than sufficient to pay back the loan even if my credit was an issue in which the ad states that bad credit is no problem in getting a loan with their company. It is the holidays and I need this matter settled as promptly possible as I intended the money to be also used for holiday shopping as well. Please call me back as soon as you can to settle this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Our client was previously married with both him and his wife on note and mortgage. During the loan modification review process, we provided a quit claim deed along with dissolution of marriage awarding our client the house. Nationstar Mortgage provided a loan modification to our client with just his information, provided trial documentation to support just in his name, and when it came time to finalize the documentation, now wants all of the wife 's information. Our client/our office was very clear about the circumstances of the loan modification being in his name soley and were assured repeatedly and in writing, that it would not be an issue. After taking our client 's XXXX trial payments, they are now indicating that he will need to refinance to remove wife 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Good Day, My name is XXXX XXXX and I have been faced with mortgage troubles for sometime. ( since XX/XX/XXXX ). I am currently working with Nationstar Mortgage, who has refused to lower my interest rate. They bought the XXXX loan from XXXX XXXX XXXX who gave me a trial period of {$500.00} a month, after having divorced, lost job, etc. I spoke with the bank repeatedly regarding my income and filed for fha several times. In any event circumstances later led me to file bankruptcy, Bankruptcy case XXXX. then the trustee appeared to lead me to believe that my mortgage would be deducted thru payroll and now I am facing foreclosure again. I would like to be able to keep home, I asked for helped. Can this agency assist in helping me with speaking to Nationstar to see if they could lower rate so that I could qualify for the loan. At 8 % XXXX XXXX XXXX said that I could not and gave me the trial period. The hand off to Nationstar from XXXX XXXX XXXX has been terrifying. I just want to keep home. Can there be a win-win. From XXXX to XXXX is a lot. I had been overwhelmed and hit by XXXX driver- so the fearful attacks frightened me into scared me. I have been a part of this and just would like another chance to save home. built by Dad. 
They asked me to pay on XX/XX/XXXX payment XXXX Nationstar XXXX : Nationstar ID : XXXX XXXX : ID : XXXX. Then try to pay {$14000.00} by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I filed a complaint requesting the itemization of a deferred non-interest bearing balance on a loan from Nationstar mortgage. The response provided did not itemize the amount in question of {$58000.00}, rather the response actually said that the amount I thought had to be paid back after the 40 years is actually a principal forgiveness. On all of my statements there is a non-interest bearing balance where I have to pay this back. I called Nationstar on XX/XX/XXXX and I was on hold a few times throughout the 30 minute conversation which finally resulted in the rep telling me I see the letter that says principal forgiveness, we are confused and need to investigate and we will get back to you within a day. This company is confusing customers with their language and themselves as well. If the rep understood the agreement as actual forgiveness why do my modification papers say it is deferred and has to be paid back if I sell or transfer property. This is a distress to homeowners and an unfair practice, again this property is nowhere near being worth {$190000.00} in the crime ridden englewood neighborhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
I received a letter dated XX/XX/XXXX from Nationstar that were declined HAMP Tier 1 stating Property not owner occupied and HAMP II stating that ineligible mortgage. Standard Modification - Declined reason was ineligible borrower - XXXX or more rental properties or borrower is not natural person. 
Under the Tier II, HAMP is available for a " rental property '' which id defined as property that is used by the borrower for the rental purposes only and not occupied by the borrower. The reason Tier II " ineligible mortgage '' and the following were listed as reason as to why the loan did not meet " your mortgage loan was originated after XXXX. That was wrong. The mortgage for the property loacated at XXXX XXXX XXXX XXXX, XXXX NV XXXX originated on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Attempting to modification. Submitted paperwork. trying to get Nationstar on phone is impossible. Every attempt to transfer to any area has the call dropped. It is as if they are purposely avoiding to work with customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
My mortgage company, XXXX serviced by Nationstar Mortgage LLC continues to misapply my monthly payments. 

I have always paid my mortgage payment twice a month. This service provider recently purchased my servicing rights and sends me a past due notice every month stating that they have n't received my payment. After I call, they then find my XXXX payments and apply these to the mortgage. Every month I 'm told it has been corrected and wo n't happen again. I 'm tired of this run around. I believe this is a violation of the Prompt Payment section of the Dodd Frank act. 

This monthly call is a nuisance. My fear is that I 'm going to forget to call XXXX month and Nationstar will report negatively to the credit reporting agencies. Also, I 'm unsure that my payments are actually being processed correctly since I have not received a statement showing payments applied since Nationstar took over servicing rights.

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 — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I 'm trying to do a short pay on the property deeded in my name, the original loan was in my ex husbands name ; so I 'm trying to get the loan in my name. My ex husband was the victim of predatory lending and the mortgage on the home is what lenders call " upside down '', when my ex husband left he filed bankruptcy on the loan and I started paying it so I would n't lose the home. At one point it went into foreclosure because of the monthly payment and I was unable to pay it. I would like to get this mortgage in my name and not have to worry about it going into foreclosure again. I was working with the previous servicing company that serviced the loan and the loan was transferred to another servicing company. The current company has been giving me the run around on the loan, I have submitted all documents they have asked for an even proven that the property is not worth the VPO value determined by an estimate they obtained. The servicing company tells me that the variance is determined by a third party vendor of theirs but will not supply me with the name, they have refused to tell me who now holds the actual mortgage on my property and that I have to deal with them. I 'm not allowed to speak with their underwriters or anyone within the company other than their customer service agents. I 've tried numerous times to go through their resolution department to no avail. I finally decided to do some research on my own and found out that this particular company was fined in the past by the Federal Trade Commission for unfair business practices that caused numerous people to lose their homes. I have a XXXX son and I have lived in this home with him and modified it for his use since XXXX. The previous serving company had come to an estimated value of XXXX XXXX and I 'm willing to pay that, the current servicing company is in no way willing to take XXXX XXXX when I 've submitted document proving its value to on be worth that amount and even offered to show them the correspondence from the previous servicing company. The current company is wanting XXXX XXXX more. I 've asked them to justify to me how they can determine the property is worth more than the previous servicing company. Their customer service agents do not forward my estimates when I turn them in and then I 'm told the final decision has been made. Honestly, I think the company is trying to push me into a foreclosure, they contacted my ex husband and tried to talk him into signing a deed in lieu so they could put the house on the market and sell it. I honestly believe this company is trying to sell my home out from under me using whatever means possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: BB&T CORPORATION
State: NV

Complaint narrative:
I received a gift card in XX/XX/2011 and went to use it and found out that I was charged {$3.00} per month repeatedly due to non-activity. I have researched this and found out that my state ( NV ) does not allow a fee higher than {$1.00} per month. When I called the company to ask about it they said that the federal law trumps state law, which to my understanding is not true when the state law provides more consumer protection then federal law. Please advise whether or not this is true because I feel they are fraudulently charging NV consumers thousands or more dollars per month. They claim it is legal because federal law says they can but XXXX says they ca n't.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I have lost my Job due to being on XXXX and awaiting the process of going through the Social Security process. This lead me to be behind One payment of my Modified Mortgage. I pay the mortgage on time, and give a little extra to go towards the outstanding bill. Nation star has been putting that extra money in suspense, and then sending me back a check every so often for that extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I have applied for XXXX modifications on my loan and I have not received a response back in writing for either request. I have spoken with a manger who could not understand how my payments have been applied to my account. He also spoke of a {$5.00} a day penalty late charge that I have never heard of. XXXX was to research my payment history as well as the type of loan that has been enforce since Nationstar Mortgage took over and call me on XXXX/XXXX/16. I have not heard anything back from the manger XXXX as of today XXXX/XXXX/16. I called this morning and was told by customer service that XXXX was not available. The representative asked me if she could give me his extension and transfer me to his line and I asked for XXXX last name. At that time she asked me to hold and proceeded to transfer me to XXXX XXXX who is my account repersentive. I have sent {$1000.00} for the past two months and ready to send another {$1000.00} without any satisfaction from this company. My balance has not moved since they bought my account from XXXX XXXX XXXX. They are the worst company I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I have been working to modify the loan on my primary residence since XXXX. We sent all paperwork to both NationStar and their counsel. I never received any documentation from them until we requested a reason on why they denied the loan modification. The attorney sent over XXXX letters in which they claim were sent out with missing documents. These were never received. On XXXX XXXX I faxed over another application to NationStar in hopes of modifying my loan. On XXXX XXXX i emailed my attorney to see if he had heard a response. He had not. I check my mail daily and never received a letter from NationStar acknowledging my paperwork or asking for more documentation. On XXXX XXXX as well I called NationStar to find out what the status of the application was. I was told they were in receipt of the modification and that there were two documents they were missing. I was never given a date to have them returned and still had not received any correspondence in the mail to my property or attorney. On XXXX XXXX they sent a letter out denying my loan modification because they did n't receive the documents they requested. I have not received anything with a description of what they needed. This is the second time in which NationStar has not acknowledged my application or communicated with what they needed. In a letter dated XXXX XXXX i received a notice of sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have been trying to modify the loan on this property since XXXX. I was at first given a forbearance, made my three payments, then it was dropped in a confused and confusing manner and I turned to applying for a modification. The process was awful, I spent enormous amounts of time faxing documents that were lost, etc. and put on a dual track so that the trustee sale date eventually came before any modification was granted. 
Then when the bank foreclosed on the property, it wrongfully foreclosed on the adjoining lot which does not belong to the bank. I called both XXXX and XXXX, they paid no attention. I started a lawsuit, and after many months, the bank settled for attorney fees and recognized they were in error. 
I started applying for a modification again, but again things were delayed, I was told I had not submitted documents on time when I had and was able to prove it, etc. Again the trustee sale date came before a modification on XXXX XXXX. And again the bank wrongfully foreclosed on the adjoining log, using the exact same documents as before, disregarding the few guidelines agreed upon in the settlement. 
So, being an optimist, I tried for a modification again. I had a very difficult time with the agent who was assigned to me, who never responded, and dismissed me without really digging into my file whenever she was available. To make a long story short, I was slated for a trustee sale five times in five years, and each time the foreclosure included the nearby lot which was separate from the property. XXXX even rescinded the settlement agreed upon at the end of the lawsuit, without ever consulting with me. 
On XXXX XXXX, XXXX, XXXX transferred my loan to a new servicer, NationStar Mortgage, without ever addressing the wrongful foreclosures described above. Oblivious to this ancient history ( for them ), the new company is simply starting the modification process all over again, despite my complaint that due to the enormous delays caused by XXXX from XXXX on, the escrow on the loan has become so large that numbers no longer add up. This process must be stopped until the illegal actions of XXXX have been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
In XXXX of 2015, I received a letter in the mail telling me that I could apply for mortgage relief in the form of a modification to reduce my monthly mortgage payment. At that I was current on my mortgage but I was struggling to make the payment as I have XXXX children at home and my husbands income had been reducing steadily. I called the number on the card because it stated that it was part of the XXXX program and I thought it would be a legitimate program. The letter also had the HARP logo on it. When I called the number it was a group called XXXX XXXX XXXX. They had me talk with XXXX XXXX. They gave me a case ID # XXXX. She told me to stop paying my mortgage to be able to show a financial hardship. She also told me to keep very little money in the bank. Over the course of the last eleven months I have sent many documents, some of them over and over again. I have had many difficulties gettin in touch with them to ask questions. I recieved a certified letter from my lender stating I was in forclosure. XXXX told me not to worry about that. It was a norml part of of the process. In XXXX of 2015 XXXX notified me that my lender would not participate and the offered a forbearance plan of {$2700.00} over twelve months in order to become current. My husband lost his job in XXXX so the forbearance plan was completely unreasonable for us. I was speaking with a representative of XXXX and told her about my husbands lack of employment and she said we could start the process over with the new circumstances. Shortly after that conversation I received a notice to appear in Mortgage court. I appeared on XXXX XXXX and was told that Nationstar Mortgage was proceeding with the foreclosure. The attorney hired to represent Nationstar Mortgage was very upset with our situation. He told me we were taken advantage of and scammed. He told me to take this to my state representitive. I paid XXXX over thee thousand dollars, adheared to eveything they required and ask of me. Now I am faced with bad credit, and trying to find a home for my husband, myself and my XXXX minor children. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Nationstar Mortgage is the property owner through sheriff sale of the home that shares a driveway with mine. They have allowed squatters to destroy parts of this home, as well as create a serious safety issue as their property has a swimming g pool and the fence that is required by law has been torn down. There is raw sewage in the basement and the squatter is threatening to burn the house down along with the garage which is XXXX feet from my home. My home owners insurance is threatening to cancel me as someone could drown in the pool because it does n't have the required XXXX foot fence. I have contacted Nationsrat to no avail and have requested many times for them as the owner of the property to fix this issue and they refuse to do anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
My husband died. The property was offered a trial modification and I sent in payments since I live in the home and want to keep the property. My name is listed on the deed and the security instrument. I also believe my name is listed on the mortgage note. I just want to keep the property and assume the mortgage. I have lived here for over 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
My reverse mortgage was transferred to Champion mortgage .  I received a letter from  Champion mortgage requesting payment as they are a  debt collector. I called  Champion  and they stated don't pay any  attention to the request.  If I don't answer the request within a short time frame I will lose any right to a rebuttal. I requested a E-mail stating  The wording in this case did not apply to me and I was told that would not be possible. I called XXXX more times talking to different people and as soon as they received my loan number I  was disconnected.  I have no one to talk to or a proper address.

Company response to consumer: Closed with explanation