vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
I had been having problems paying my mortgage due to a job loss a few years back, then was going through a divorce. My mortgage was with XXXX until late XXXX, then was sold to Nationstar Mortgage whom i had never heard of. Applied for several modifications, I was denied every time. My wife and I reconciled, but I was too far behind to save the home. Eventually the foreclosure process started, which was fine, decided to short sale the home as it was better than a foreclosure on my credit also, was told would be able to get relocation fees to help me move my family to another residence. Well we started the short sale process in XX/XX/XXXX, had to go to court numerous times, due to Nationstar not communicating about anything with their own attorneys missing days of work, without pay, due to the fact that the equator system and it 's reviewers were always months and months behind. In late XX/XX/XXXX the furnace gave out and we did not have the funds to replace it as it was approx. $ XXXX {$4000.00} to replace. We found an apartment, and borrowed from friends and family to be able to move in in XX/XX/XXXX. Had several buyers on several different occasions for the property however, because of the " backlog '' with equator and XXXX, none of them wanted to wait it out. Finally had a buyer that was willing to wait it out, and it is now time to submit the HUD, XXXX will not give any sort of relocation fee whatsoever. All paperwork received regarding foreclosure alternatives from XXXX states an advantage to their short sale program is relocation fees, my realtor has been submitting over and over, per Nationstar Mortgage 's advice to keep the relocation fee on the final closing paperwork. Fast forward to today XX/XX/XXXX, still no closing date, and its a year and a half later. XXXX is nothing but bullies, they do whatever they want regardless of what they have printed in black and white, there is an excuse for everything, I am most definitely having every piece of paper I have from Nationstar as well as XXXX looked over by an attorney, I am not going to be bullied by them like a lot of other people are, it 's time the gov't does something to protect the people!!!! HAD I KNOWN THEY WERE SUCH BULLIES AND HYPOCRITES I WOULDVE FILED BANKRUPTCY AND LEFT THEM WITH NOTHNING!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Our homeowner has been actively pursuing a sale of their home over the last 7 months. While he is behind in his payments to Nationstar Mortgage, he is doing everything in his power to sell his home and payoff the loan in its entirety. To this point, we had failed in finding a successful buyer but now we have a full price offer that more than covers their payoff. I have been in contact with nationstar for payoffs and this week I was in touch with them on XXXX XXXX asking them to delay a foreclosure sale date for this upcoming XXXX, XXXX XXXX, 2015. To this point, they have failed to process the documents timely and are denying a postponement of the sale. They are delaying getting their own internal payoff numbers and this is causing potentially devastating harm to our owner. At this point we need Nationstar to extend their auction date in order to allow us to close our sale and allow the payoff of the loan. Our homeowner will not lose his home, he will file bankruptcy as a last ditch effort to save the home he has lived in for nearly 20 years. Nationstar refuses to listen to our plea and repeatedly cuts us off during conversation. The problems they claim to see on the documents, are not real problems, and they will listen to our explanations for them. We need someone to step in and handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
We went to BB & T bank to get a pre-qualification letter for a XXXX home or investment property. we wanted to use them because we already have XXXX loans with them and have been customers of theirs for years. We gave the mortgage professional there all information she asked for and we were pre-approved. we took our letter and stated looking. We soon found a rental property ( duplex ) and made an offer well in our budget. the offer was accepted and we called XXXX to get everything going on this property. We had to get them a few more documents but all was going well. She said she even wanted to do a fast close since everything was in order which was fine for us, the duplex already had tenants in place, so it was all ready to go. We were putting money in our pocket after making our mortgage payment, a win win situation. Well a week before closing, which was scheduled for XX/XX/XXXX, we started this a few days before XX/XX/XXXX, BB & T called, and said we could not get the house. they determined that they were going to need XX/XX/XXXX tax returns!!! That will take months!! They did n't think of this before we started this whole process?? We had already paid for inspection and radon tests {$440.00}, appraisal fee {$530.00}, and who knows what could come from the title company because they were done with their work as well. Our realtor was boggled to say the least as well as us, we were very irritated with BB & T foe letting us get this far!! Now the Mortgage professional says we can not get any of that Money back. All she said was sorry. She also did n't even know it was a rental ( duplex until I told her a few weeks into all this. She had all the info on the property from our realtor. What was she doing!! Please help.

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 2016-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
In it 's answer to complaint XXXX, SPS denies my demand to rescind my loan. 
They base the denial on the fact that my my loan originated in XX/XX/XXXX ... ... my ORIGINAL loan did originate in XX/XX/XXXX, but it was REFINANCED ( NOT MODIFIED ) XX/XX/XXXX. 
I say it was refinanced because the loan was INCREASED by over {$50000.00} because they added the balance of funds they ( actually XXXX XXXX, the servicer at the time ) used to pay off my then XXXX mortgage with XXXX XXXX without my knowledge or permission. They did n't just modify my original loan, they did a cashout ( the funds from XXXX mtg payoff ). The only way it would be a modification is if they did n't add the extra funds to MY account. 
Since I never received ANY TIL materials, or even an accounting for the extra money, I am exercising my 3 rear right of rescission, which I originally notified the XX/XX/XXXX. 
If the refinance that they call a modification was really just a modification, they would be right, but the refinance occurred on XXXX/XXXX/XXXX, and I am well within the 3 year window to rescind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I had banked at BB & T for years. Recently for the past 2 years I have been ripped off multiple times by this bank. I had XXXX checking accounts. XXXX with my debit and XXXX that was strictly for paying my bills. I calculated my bills rounded the amount to the next dollar amount and transferred the funds. My account was exact and was perfectly balanced at ALL times. Until XXXX and a charge BB & T could not explain to me occurred. Causing a avalanche of XXXX charges. The banker I was accustomed to dealing with apologized that other workers at the bank could n't play fair? I got no refunds back leaving my accounts both in the negative. Prior to this most recent XXXX from BB & T I would make a online payment for lights, car etc and the money would be in the account, but instead of crediting the funds to my account XXXX they did the debits and payments causing the XXXX fee. I would say that in the past 4 years I have paid over XXXX in fees to BB & T. I was also told by # XXXX banker after going into the local branch to discuss XXXX of the above occurrences " Sorry you got caught in ITS cross heirs! '' Needless to say I changed bankers and have now changed banks. I feel that practices by BB & T are fraudulent and unjust. It also seems it has happened to ALOT of others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
My ex-husband secured a loan modification by forging my name and making false statements. As a result of his actions my name is still on a mortgage loan 4 1/2 yrs after divorce decree that can not be assumed nor is he able to obtain a new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
Nationstar Mortgage has completely outsourced their servicing to a foreign country where it is nearly impossible to understand their representatives, where errors occur on applied payments on a monthly basis, and even the simplest adjustments are not implemented after months and dozens of phone calls. I have been trying to pre-pay my mortgage up to six months in advance, according to the terms of my mortgage ( which Nationstar purchased ) and have not successfully managed to do so. They misapply my mortgage payment every month and still have not corrected misapplied payments after dozens of days calling and waiting on hold. They should not be endowed with any fiduciary trust within XXXX law whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I HAVE REPEATEDLY CALLED TO ASK AR RESOURCES INC TO FILE THE DEBT TO BE PAID WITH THE VETERANS ADMINISTRATION FOR THE XXXX OF WHICH I ON MY CREDIT REPORT. THE HOSPITAL WAS ALREADY PAID BY THE VA,,, AFTER 3 CALLS TO THIS COMPANY, THEY ARE STILL REPORTING AND KEEP TELLING ME THAT THEY ARE NOT GOING TO FILE WITH THE VA, BUT ARE A DEBT COLLECTION AGENCY.. XXXX XXXX XXXX =REFUSED TO GIVE THE NUMBER TO THE CLIENT, XXXX XXXX XXXX OR TO FILE FOR PAYMENT ON MY BEHALF.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
I have a XXXX mortgage, serviced by Nationstar. For the past year I have had the property listed with a realtor, to sell as a Short Sale which was approved by XXXX. My realtor has a prospective buyer but we are running into extreme difficulty. A valuation was placed on the property, by Nationstar I believe, that is high for what the property has to offer, and the condition that it is in. I have submitted pictures, repair quotes, and a CMA to document the high valuation, but Nationstar is telling us that they wo n't review it. XXXX has given Nationstar free reign to do what they want, so consequently they are not reviewing pertinent documents and informing XXXX. Nationstar is trying to force me into a foreclosure even though there is an offer on the table that is very reasonable, XXXX that brings 94 % of the CMA value to the investor. And if we factor in the repair quotes of nearly {$10000.00}, the current offer brings 98 % of the CMA value! We are finding it difficult to comprehend that the investor would turn down such an offer if they were fully aware of it, which they wo n't be if Nationstar does n't review the documentation we are submitting and shares it with them! 

My realtor has been going back and forth with Nationstar and XXXX trying to find someone to give a serious look at the documentation that I have pulled together to refute Nationstar 's valuation, but is getting nowhere. They feel that working through XXXX does n't get them to someone who will actually take a real look at the case. THERE IS A FORECLOSURE SALE SET FOR XXXX XXXX, 8 DAYS AWAY. Both my realtor and I continue to try make headway, but Nationstar refuses to bring this to the attention of someone who will take a serious look at the documentation that shows their valuation is high. And XXXX agents are n't getting either of us to someone who has the authority to get involved and take a serious look at the valuation. I do n't think they are aware that Nationstar is pushing this property to foreclosure when there is such a good offer on the table.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Modification states Deferred Principal of {$31000.00} will be Cancelled Debt in XXXX over a period of time. However Select Portfolio sent a XXXX for the full amount of {$31000.00} for 2015 and thus we reported on taxes and all IRS docs full amount of Cancelled Debt for 2015 from Select Portfolio is {$31000.00}. 
Select Portfolio Monthly Statements still reflect only XXXX has been cancelled. Leaving a balance of {$21000.00}, which is incorrect as IT HAS BEEN CANCELLED as a part of the {$31000.00} as reflected on the 2015 XXXX. Select Portfolio states that is simply how they do it. I said it should NOT be on a statement as owing at all it has been cancelled via the XXXX. They said there 's nothing they can do. How can we owe something that has been cancelled? How can they filed an IRS doc stating it is Cancelled debt and not Cancel it on our account in full?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I have numerous bank/mortgage accounts that I make payments to each and every month. 
Since my home loan ( servicing ) was/has been sold ... .I can not review ( online XXXX my payment history ... ... along with details about where/how my payment XXXX XXXX ) have been posted/brokendown. 
I have requested this numerous times ... .but to no avail ... ..below is how it looks on their website : " View Accounts Account Information Account Number Borrower Name Property Address Outstanding Balance * Account Details '' With NO DETAILS below this ... ... they want you/customers to submit ... .in writing to obtain a written statement ... ... I get those ... .but they are always incorrect ... .since their cutoff date ... is WAY before the final due date ... ..it 's very frustrating!!!! 

I can go to any other payments that I made/make at other institutions ... .and they information is RIGHT there in front of you ... ... this is the ONLY firm that does NOT provide this information ONLINE that I deal with ... ..and I deal with A LOT of banks!!! 
FYI ... .they keep referring me to an ... .. '' XXXX '' ... .. 
Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My original loan was with XXXX about 10 years ago. They sold to Nationstar mortgage. When we were with XXXX we wanted to make bi monthly payments-XXXX said this is free to do and when we were ready to set this up we could do so. It also required paychecks/money to be into account so we were not able to do that at the time. Now that we are able to make bi-monthly payments to reduce our interest and loan term, Nationstar does not allow us to do so. We have no choice but to go to their outside contracted company who will charge us {$390.00} enrollment fee and then charge us a monthly fee for the rest of the loan term just to do a bi-monthly payment. We would have to pay about {$1700.00} extra bc they do n't allow bi-monthly bi weekly payments from their own customers. XXXX our original loan did not charge for this service and there would be no charge to us whenever we would be able to do so. Now that the loan was bought by Nationstar, the same terms do not apply and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I purchased my home in XX/XX/2002 for XXXX and after 15 years XXXX different mortage companies my payoff is even greater now at XXXX than it was 15 years ago. The first company was XXXX to XXXX and now Nationstar Mortage. I feel as if their has been so mortage fraud between the life of my loan with the multiple transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
We filed for a home affordable modification with SPS -Select Portfolio Servicing and were approved we made our trial payments on time in the amount of {$1200.00} for all XXXX months they were due. Now XXXX comes and our XXXX payment after trial payments is due. According to our Modification paperwork we had no escrow shortage and the payment due was to be {$1200.00}. I called to make the XXXX payment today and I am told my payment amount due is {$1500.00}. So called back to question the payment and I was told that this was unusual, XXXX XXXX XXXX whom I spoke with stated that normally the XXXX payment is the payment agreed to in the modification and usually they do an escrow analysis about two months after the XXXX payment is due. It could possibly change how much I owe, but not til about XXXX or XXXX. He researched our documents and could not find any reason why our payment changed and also said there was no analysis done and that we received no paperwork to show any changes which according to RESPA I am to be made aware of in advance. Now I was told to make that payment of {$1500.00} or my modification would not be finalized. This is not what we signed a legal document stating and I want to get help to see if they are trying to scam me or get more money than owed. Can you please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On XXXX/XXXX/16 I submitted an offer to purchase a short sale property serviced by Select Portfolio Servicing. There seem to be numerous delays by the servicer in review of the short sale that I would like to have investigated. After my offer was submitted, a BPO was not ordered until XXXX/XXXX/16. Results of the BPO were not processed until XXXX/XXXX/16 at which time a counter offer was requested. An updated purchase contract/counter offer was given to the servicer immediately and it took until XXXX/XXXX/16 to get a final approval even though there was no other negotiating. I immediately completed an application with a lender, ordered and paid for an appraisal and inspection. A title search by my lender showed there was an outstanding XXXX lien on the property. Negotiations with the XXXX lien began on XXXX/XXXX/16 and ended on XXXX/XXXX/16 with them requesting a $ XXXX settlement. The selling agent immediately went back to Select Portfolio Servicing on XXXX/XXXX/16 to get an updated approval including the $ XXXX settlement to the XXXX lien and it took SPS until XXXX/XXXX/16 to order the BPO again as the first XXXX had expired. I understand BPOs are only valid for 90 days, however I do n't understand the delays with ordering the BPOs and providing approval documentation. I unfortunately am now at jeopardy of losing {$600.00} for the appraisal I obtained if we do not close by XXXX/XXXX/16 since appraisals are also only valid for 90 days. I am hoping they will rush this second review, but am not hopeful. The purpose of my complaint is to obtain confirmation that SPS has maintained compliance with CFPB regulations and required timelines in review of this short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I have been applying for a loan modification with Nationstar mortgage for the past year and still have not been able to get Nationstar to review my documents. I have completed all documents and Nationstar has verified they have been accepted except for my profit and loss statement. Thus I redid the profit and loss statement and sent it back to them. Again Nationstar has sent me a request for yet another XXXX and not reviewed my modification. This has been repeated five times now since XXXX 2016. I have done a year to date XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and submitted it four times in 5 months. I fear that all of my other documents for the loan modification they have accepted will soon expire while this delay is taking place.

Company response to consumer: Closed with explanation