vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
My mortgage loan is under Select Portfolio Services and has been under loan modification review with " complete package '' confirmation letter received by mail for a loan modification since XXXX XXXX, XXXX. In total, I 've received XXXX mailed letters confirming they 've received a " complete application '' for a loan modification evaluation back in XXXX XXXX, XXXX and XXXX XXXX, XXXX - but they ( SPS ) keep asking for clarification on subjects like " growth income '', " net income '' and payments dates that can be clearly seen by the earning income statements that have already been sent to XXXXXXXXXXXX. 
My mortgage is under foreclosure status since XXXX XXXX, XXXX and I may have a foreclosure day anytime. I believe Select Portfolio Services is stalling and purposely delaying the loan modification review to have a schedule foreclosure date on my mortgage, living little room for negotiation or further options if a loan modification full review is finally reached. 

On XXXX XXXX, XXXX I received another letter confirming they have received a " complete package '' for a loan modification evaluation and review - and, yet again, they keep asking for additional information. XXXX XXXX I clarified their questions verbally and sent an email XXXX XXXX to XXXXXXXXXXXX clarifying pay stubs growth income and net income which can easily be identified by any competent underwriter under loan modification review. 
In conclusion, I believe " unfair practices '' and " negligence '' is of presence in my mortgage account with SPS case. I can have a foreclosure schedule at anytime now and I am afraid Select Portfolio Services is using unfair practice tactics to foreclose on my account without a proper, complete HAMP evaluation which I qualify according to local bank underwriters'.I need assistance from federal authorities effective immediately due to this case malpractice and Select Portfolio Services history ( fines, lawsuits ) due to negligent practices with loan modifications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Nationstar Mortgage changed the escrow amount due in my monthly payments without issuing a RESPA required statement of escrow or otherwise notifying me of the change. This caused my payment to be held in suspense since it was not sufficient to cover the full, inaccurate, amount. In addition, I was then charged a late fee for a missed payment, and reported to the credit reporting agencies as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
XX/XX/2016, I went on XXXX due to a lower back injury I suffered on the Job. 
I started receiving social security XXXX benefits. Due the hardship of my financial situation, I request a mortgage modification. Quicken loans, put me through a trial period of payments, ( Which I completed ) Then Quicken loans ask me when will I be ready to sign the NEW mortgage modification documents. I stated to quicken loans that my ex-wife and I are no longer together and we are in the process of a divorce. However, Quicken loans persisted that my ex-wife needed to sign the new mortgage modification. 
I explain to quicken loans that my ex-wife is in XXXX, MA and it will take some time to locate her. When I was able to locate her ; I had her sign the quitclaim forms. This quit claim forms was drafted by my attorney. ( Please see scan 1 ) Once the quitclaim was filed with XXXX county register office and accepted. I forward a copy to Quicken Loans. Now Quicken Loans is stating that proper wording was not used in the form. ( Please see scan 2 ) Then Quicken loans forward me an email showing the wording they want on the quick claim. Then my attorney cut and pasted the exact wording they wanted. ( Please see scan 3 ) Then I forward them the new quitclaim with their wording, just to make sure before I go crazy again looking for my ex-wife in XXXX, MA. Then today XX/XX/2016 they state, that the wording is still incorrect. I 'm filing a complaint because it looks like quicken loans is trying to set me up for a foreclosure on my property. Plus my ex-wife name was not on the deed and she is not on the title of my home, however they still want her to sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I recently filed a complaint against Nationstar on XXXX/XXXX/15 due to not being able to reach anyone in their customer service department or the department that handles loan remodifications after submitting my documents as requested. I have made over 20 calls to this company and have not had one call returned to me in reference to the status of my loan remodification. The one call I received last week was in reference to the first complaint that I filed and the lady told me the person handling my modification would be calling me and she never did. In addition, they claimed I did n't not submit a signed copy of page XXXX of my tax return which I did and it is included in the initial complaint. Had the lady not called me back in reference to this CFPB complaint I would not have known that alleged additional documentation was needed since no one is calling me or giving me a status of my account because they are not answering their phones. After I put in my ssn # and my zip code the phone rings or it sounds like it is being transferred and the line goes silent. No one picks up. How is this legal? I do believe this company is trying to have me default on my mortgage so they can steal my house. I am trying everything I can but I can not drive from NC to wherever they are to get customer service. I am going to file complaints with every federal bureau I know because right now I think nationstar is a scam. This is all a rouse to dupe people out of me out of my home even when I am trying everything I can to save it. Someone named XXXX XXXX is supposed to be handling my loan. She was also supposed to call. Again, I called XXXX and XXXX the past Friday and today about 10 times and ca n't get someone on the phone. They are supposed to be open from XXXX CT. Please help!!! I am going to contact every federal bureau I know to expose this company for what they are. Again, I have called every number for the last 3 weeks and not once was able to reach a representative. I have made over 20 calls. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
The copy of the deed of trust that Select Portfolio Servicing ( " SPS '' ) has provided to me references a promissory note signed by both myself and my spouse and none of the copies of the promissory note that SPS has provided were signed by my spouse. See attached letters dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. To date, despite only being able to provide copies of an invalid deed of trust, SPS has refused to provide any explanation as to what authority it has to proceed with the trustee sale currently scheduled for XXXX/XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: MI

Complaint narrative:
I had an auto loan with regional acceptance corporation. The account was charged off and included in my bankruptcy. However the account is now 7 years old as reported my first late being XXXX 2009. After several attempts you contacted regional acceptance. I received a reply that they would remove four months of reporting charge off after my bankruptcy was filed. However I was then told that my first late on this account does n't count towards the seven years because I then became current before becoming late again. I am only allowed to speak with there bankruptcy department when I call and was told do what I need to do they were n't updating my credit report. I received a letter from XXXX XXXX. The bankruptcy department states she does n't work in bankruptcy or credit reporting so they do n't know why she sent me a letter. This account is over 7 years old and by law is to be taken off of my credit report. Everytime I call I am directed to bankruptcy department. That is all I am able to speak with and they tell me to do what I have to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Again, I received a letter from Nationstar Mortgage on XXXX XXXX, XXXX dated XXXX XXXX, XXXX. In the letter they claimed that my HAMP Tier 1 and Tier 2 were declined based on XXXX eligibility requirements. Secondly, they claimed that I did not send them all the documents requested from me, and also I did not send them promptly. These claims are lies and not true. Every time they requested documents I faxed the documents to them ASP same day through the fax number provided in their request letter. I have boxes full of the documents faxed to Nationstar Mortgage. Attached are the XXXX letters I received from Nationstar, XXXX in XXXX XXXX, XXXX, and the other I just received in XXXX XXXX, XXXX. The reasons for the denial of my HAMPs Tier1 and Tier 2 are totally different in both letters. Attached are the XXXX letters. They are not consistent with the reasons for the denial of my HAMPS Tier 1 and Tier 2 modification. Also, attached is the letter I received on XXXX XXXX, XXXX for your perusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Submitted a signed/completed application to the total and permanent XXXX unit dated XX/XX/XXXX. On, XX/XX/XXXX, Nelnet the servicer under contract by the U.S. Department of Education to assist with the processing of the above mentioned program, sent a letter acknowledging the application, the letter states the review process can take up to 30 days. My initial review process actually took almost 60 days ( after many phone calls ), a letter from Nelnet dated XX/XX/XXXX advised that they want the Physician to update section 4, question 2. The medical doctor updated this information and faxed the correction with the words " XXXX '' along with her initials. This was faxed to Nelnet on XX/XX/XXXX and on XX/XX/XXXX, Nelnet acknowledged receiving this information. Now, two weeks later the application continues to claim " under review ''. Calls to the Nelnet service center at XXXX on XX/XX/XXXX, Sue advised that it only should take a few weeks. The call on XX/XX/XXXX, to Nelnet, XXXX advised that no set time exists, the processing has no time frame whatsoever. Nelnet needs to issue some continuity with customer service representatives, so that callers do not receive conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I agreed with the dealership to return the vehicle since it was a lemon. I had transmission issues with the car from the time I baught it. I was repeatedly told they would replace car but kept getting the run around. The cars transmission eventually gave out and I was advised the issue would be resolved which it wasnt. I eventually stopped following up. When I tried to purchase another car I found XXXX XXXX had placed it as a repo on my credit which management said they would not happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
We have a signed purchase agreement with nationstar bank on a bank owned property which they now refuse to honor. They lost the DIL for over a year and now have a replacement deed. they will not even talk to us at this point and are trying to resale the property right now. We are ready to close on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
My mortgage Application was canceled. I started this process in XX/XX/XXXX and licked my interest rate in at 2.875. The canceled my application because they said they requested updated documents in XX/XX/XXXX that had to be uploaded by XX/XX/XXXX. I never received any emails or mail requesting documents. I uploaded them on XX/XX/XXXX because I had retained an attorney for a title issue and thought something was going to get done but this was not a request by BBT. I have requested proof because there is no way I would let that rate slip by since the new 15 year with BBT is 3.5 %. I had agreed to extend the rate lock until XX/XX/XXXX and have the document proving that. I was having trouble with the appraisal, I had that completed in XX/XX/XXXX and submitted a ROV on XX/XX/XXXX. They sent it to the appraiser one month later and they did not reply to his request. I have all the documents to prove this. This is an unfair and deceptive situation. It seems like the right hand does not know what the left hand is doing there. This could be tens of thousand in interest and this only benefits them since now I have to apply at a time when rates a severely increased.

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 2017-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I INCLUDE MY ADDRESS EVERY TIME I SUBMIT A COMPLAINT,. I AM REQUESTING THAT MY ADDRESS BE CORRECTED. I DO NOT AND NEVER HAVE LIVE ON XXXX XXXX. IN XXXX. THAT IS MY EX HUSBANDS ADDRESS PLEASE MAKE CORRECTION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
1-My mother XXXX XX/XX/XXXX. She had an IRA at BB & T. I inherited 1/3 of this IRA. BB & T told me my options were to establish an inherited IRA at BB & T or cash out the account. I would have preferred an immediate transfer of the money to XXXX without creating the account at BB & T but they did not give me that option. As an aside, that was exactly the process that was used by another bank at which my mother had an IRA and it was a very smooth process. Feeling like I had no choice, I let BB & T establish the IRA-BDA. After the account was established, I moved the IRA-BDA to XXXX. BB & T charged me a {$50.00} fee to move my money. I told them I was going to move the money and this fee was never disclosed. The banker states that I never told her this. This is one of multiple " untruths '' that she has stated during this process. BB & T also took out the RMD for XXXX without my permission. I lost {$50.00} in this transaction and the ability to earn interest on the RMD within the IRA for the next 10 months of XXXX.

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 2015-05-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
Last year ( XXXX ) i sent in a full payment to get my loan caught up to date.i was behind in payment., including all back owed taxes. 
They applied the funds and gave me a new adjusted monthly payment, now to include my taxes. i was making my payments, then in XXXX my payment almost doubled, I contacted them and it took until ( XXXX ) to resolve the issue. I could not make payments during this time because they still wanted the doubled payment amount. After funds were applied to the correct loan i then sent a payment ( XXXX 2015 ) to once again get current, Now still to this date my account is delinquent and they will not up date it so i can make a payment. They are doing this to me on purpose to try to force me into foreclosure once again. The initial funds i sent in back in XXXX last year and their miss appropriation of funds is still unknown exactly how and where funds were applied. I have asked for a detail to explain all fund disbursement and it still is not current and.i 'm notallowed to make a payment, because they do not show current balance of my last payment to get all owed amount applied to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am a home owner in review for a modification but the lender is still proceeding with foreclosure and has set a foreclosure date for Tuesday XXXX XXXX, 2015. I believe they are violating my " Homeowner Bill of Rights Act and they are breaking the law. Can you please help me with this. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
XXXX originated XXXX loans for this customer at time of purchase XXXX years ago and is currently servicing only the XXXX mortgage. The XXXX lien with loan number XXXX was sold to XXXX then to Aurora Loan Service which is no longer in business but their loans were transferred to Nation Star. I called Nation Star and they can not locate the loan at all. The customer has never had correspondence with the mortgage company and stated no payments were made on this mortgage. I would like to file a complaint against Nation Star Mortgage on the customer 's behalf and request that they release this XXXX mortgage lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
XXXX Bankruptcy filed XX/XX/XXXX- property surrendered in bankruptcy. Lender and XXXX notified. 
Lender sold mortgage to : Nationstar Mortgage , LLC, XXXX, TX XXXX - on XX/XX/XXXX. 
Nationstar was notified by Certified Letter dated XXXX. The property had been surrendered XX/XX/XXXX bankruptcy. 
XXXX attorney has filed charges and obtained judgment based on incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
My loan started with XXXX then sold off to XXXX and now is with Nationstar Mortgage. Since XX/XX/XXXX I have been with Nationstar and they have now TWICE, took out double payments for the months payment. Example in XX/XX/XXXX they took out XXXX then three days later {$720.00}. Now we are in XX/XX/XXXX, they took out {$720.00} XXXX XXXX and another XXXX on XXXX XXXX. Also, they have been trying to charge me a {$25.00} fee due to insufficient funds in my account when they took the second payment out in XX/XX/XXXX as an unauthorized ACH. Do not bank with them, with will be nothing but nightmares, I have made 4 calls to them and nothing was done. Finally tonight NationStar conferences called my bank to reverse the unauthorized payment for XX/XX/XXXX and I have to file paper work now. 
-pure nightmare

Company response to consumer: Closed with explanation