vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I have successfully gain a loan modification now over 6 months with Select Portfolio Servicing ( SPS ) through the assistance with XXXX XXXX Law Offices. I have documentation of the completion of the loan modification process and closing. I have abled my trust and confidence to re-establish creditworthiness with SPS and agreed to the terms of the contract, loan restructure and acknowledgements thereof. SPS states to me after I successfully completed the process only after my inquiry because of my BK filing 8 years ago ( discharged ) that they are not required to report and have no intentions on reporting my monthly payment history according to the current agreement. This was my last conversation I had along with a third party ( XXXX XXXX XXXX ) at Law Offices to speak with SPS authorized to speak on my behalf. I find this to be a major setback, not able to regain and build my credit and it restricts me from my efforts in paying on time and agreed. 
I absolutely love the new loan and the fresh start and feel I 'm getting robbed of the benefit of paying as agreed. I would like resolution for SPS to report my pay history to the bureaus each month according to how I am paying. If this can not be achieved, I am open to other options, ie stated letter every 3 months of my pay history so I can forward to the XXXX credit bureaus so they will be updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
We refinanced our mortgage with Quicken Loans in XXXX XXXX. We had the money to pay it down under the 80 % required to avoid a PMI payment, but the money was not liquid and would have been difficult to get immediately. The broker informed us that the PMI payment would drop off as soon as our LTV was under 80 % ( or possibly 78 % ). We then proceeded to pay down the mortgage as we said we would, and it was under 80 % right around XXXX of XXXX. 

We notified Quicken Loans that the loan was under 78 % and they told us that they could not drop the PMI without another appraisal ... ... just 3 months after the loan was refinanced. Without this appraisal they now intend to charge us PMI insurance until XXXX, when the PMI would have dropped off naturally. 

This is a 15 year fixed mortgage and the LTV is currently around 75 % based on the original appraisal. Nothing has happened that could possibly decrease the value of the house between the refinance date and when the principal was under 78 % ( or the present ). The real estate in my area has also had no major fluctuation in that time. 

I believe the mortgage broker was deceptive and should have informed us that this could happen. We were very clear about our plans to pay it down and our ability to pay and our plan to pay it off within months. We could have sped up the pre-payments to be under whatever deadline they have assessed here. If we would have been informed then we could have also paid the money up front and avoided this all together. We had ample savings at the time the refinancing was done to pay it down at the time of refinancing, and can prove this. 

I also believe the servicing department is being oppressive by requiring an appraisal just months after the refinancing. I could pay the appraisal fee and let it go, but I 'd rather make a point to file a complaint in hopes that other people do n't get cheated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
To whom it may concern, SPS I did all I know to do to resolve this issue, I went to my lender got help per divorce degree I was given one year to get the mortgage out of my ex-husband 's name. My modified loan was given to me on my income I have been with XXXX staff for 11 years, The bank required my divorce papers to let me continue with my modification I started with only my income and the payments were done off of that, My ex-husband would have never qualified he makes XXXX to XXXX, I have done everything the bank asked, he quick deeded his interest I pay the taxes I am the only one since XX/XX/XXXX who has tried to take care of this, At this moment NV is flooding my house has water up to the subfloors for 15 yrs I kept flood insurance, since I 'm unable to get homeowners insurance and I 'm unable to continue with a modification that was illegally canceled per court order I 'm left again me and my house held hostage by my servicer, I had no idea a bank or a servicer did not need to obey a court order from the state of NV. I will go get my divorce papers modified, my ex-husband will be held liable for going against the court order and for my servicer I have never turned my back on you or my mortgage, I just never knew a servicer did not need to follow the same law as I do. I am sorry we could not fix this sooner. I will write to my NV congressman and ask why judges write such orders in divorce and servicers and lenders do not need to obey the laws that all of us in America half to obey or go to jail. I never stopped trying to fix this mess I could have done so years ago why no one from SPS or XXXX told me about what my ex-husband had done with our mortgage I would have fixed it please understand my frustration. 
XXXX XXXX XX/XX/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 2015-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX I am writing on behalf of my husband because he XXXX, Because of his situation he can not maintain his home and we are currently trying do a short sale with NationStar that is servicing the loan, NationStar has deny my short sale, they claimed that my agents was n't responding in which it is a false statement my agent have made every effect to sell my home. NationStar claims that the only way I can be able to get approved for a short sale if I participate in an online auction. They auction my property on XXXX XXXX, 2015 in which they claim that someone bided in the mid $ 300K this buyer never responded it was a waste of my time because XXXX does not know if the buyer are qualified to bid. ( I was already in contract with another buyer in which I lost because they lost the bid ). XXXX sent my agent an email saying that they will auction my property again on XXXX XXXX, 2015 and on XXXX XXXX, 2015 I email my agent a letter to send to NationStar that I deny that my property be auctioned on XXXX. In which NationStar never responded to the letter and the property was auction anyway and the short sale was denied. I resubmitted for a new short sale and they are giving me such hard time my agent submitted a offer higher than XXXX XXXX, 2015 auction. And again NationStar has not respond. I just want to get this over with, it been five month. We should n't be force to auction our property, if we already have a qualified buyer and are in contract. My agent submitted an offer on behalf of the buyer, but NationStar never counteroffer and email my agent that I will have to participate in online auction for my short sale to be approved. I think it unfair to have drag this for another couple of month. I hope you can help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
Nation start has intensely avoided my complaint and ignoring my email, ignoring my voicemail, ignoring CFPB complaint See attached documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Quicken Loans arbitrarily and with absolutely no notice on XXXX XXXX, 2016. At that time Quicken 's representative, XXXX XXXX XXXX, informed me via voicemail that my preapproved loan was being withdrawn with notice. XXXX XXXX stated that new TRID guidelines were forcing Quicken to withdraw all preapprovals and force borrowers to go through another round of the very painful process on re-applying. Why did they not do that back in XXXX? 

Given the insane profitability of their industry the most reasonable explanation is that they want to generate another round of fees. 

Quicken has damaged my credit score. I am now forced to apply elsewhere, with the resultant loss of credit score points because of the inquiries. The result is potential financial damages due to higher interest rates. 

Quicken has also put my corporate relocation benefits in jeopardy. QL is who XXXX relocation services referred me to. I am working under a deadline ... QL has forced me to start from the very beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Grande Financial, Inc
State: OH

Complaint narrative:
XX/XX/2015This home purchase started in XXXX 2015. The Broker is Grande Financial. The first company that was used was XXXX XXXX XXXX , XXXX ( Never received a denial letter at all ) Application date XX/XX/2015- NO GOOD FAITH OR BOOKLET GIVEN OR MAILED. At that time paid {$440.00} for the appraisal The file was switched to FHA with XXXX XXXX XXXX , XXXX . This is when he had to pay additional {$200.00} for an FHA Appraisal. The lender was concerned because of the Identity of Interest. Once it was verified that the file was not Identity of Interest, the clients were told in an email, that the underwriter does n't the fact that family is selling to family, so therefore they need to put down XXXX % - Never received a denial letter or any paperwork showing the switch to FHA ( no good faith or Truth in lending ) On XXXX XXXX, 2015 they received new paperwork for a FHA Mortgage, through XXXX XXXX XXXX XXXX No Good Faith or Booklet was given. 
Then XXXX XXXX the email states that the underwriter did n't like the relationship, so therefore they have canceled the FHA case number and said that since the previous underwriter put notes into the FHA connection, no FHA mortgage can be done now-Still no denial letter. 
On XXXX XXXX, 2015, they received a Good Faith only, not sure why. 
On XXXX XXXX, 2015 the file was switched again to a Conventional mortgage-No Good Faith, Truth in lending or Booklet was given. When we started this process our credit scores were : XXXX and XXXX. XXXX 's scores XXXX,XXXX and XXXX. Now they are below XXXX. 
Even after receiving several copies of the appraisal, the seller was asked to put in writing that the home was not a depressed property, and verify that the Bank has not taken the house. The XXXX has also asked for a copy of the seller 's credit report. The seller has moved out of town for a new job and can not sell her home in XXXX because the Brokers and Lenders are not trying to close this deal. The sellers have been staying in a Hotel paying {$100.00} a day waiting for the closing. 
I am including several emails that the Brooker has sent to the client as well as their seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Nationstar Mortgage became the new servicer for my mortgage on XXXX XXXX, XXXX. On XXXX XXXX, XXXX they sent a statement of account indicating I had 30 days in which to dispute the debt. I did mail a dispute certified mail on XXXX XXXX, XXXX well within the 30 day time period. However, they have my home scheduled for sale on XXXX XXXX, XXXX without any notification to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am in the process of getting approved for a remodification for my home and I have setup an automatic payment for my home dated for XX/XX/2017. However, today, XX/XX/2017, I had to manually send the payment of {$4400.00} to the Loan Servicer SPS Financial because they still had not debited my account for the agreed amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
An illegal foreclosure has been started against my home, even though I was still in the modification redemption process. I will file a Chapter XXXX bankruptcy petition to stop this action if necessary, but under the amended Fair Debt Collection Practices Act of XXXX XXXX, 2014, I was protected of any ongoing actions for a foreclosure action until all modification remedies have been exhausted. Select Portfolio Servicing , Inc. has through their lawyers brought this foreclosure action against me, thus violating my rights under FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Re : NEW COMPLAINT IN ADDITION TO COMPLAINT # : XXXX FILED ONXX/XX/2015 Lender : NATIONSTAR Mortgage LLC XXXX XXXX XXXX XXXX, TX XXXXThis is to inform CFPB that since XXXX XXXX, 2015 when I filed complaint ( number XXXX ), listing several concerns, Nationstar has continued to make unwarranted phones instead to responding to calls initiated by our attorneys, with whom it needs to work out a resolution of our loan modification. 

On XXXX XXXX, 2015, CFPB emailed us the following notice from Nationstar : '' Response : Please allow us additional time to further our review, currently we are waiting on an update from our Loss Mitigation Department. Once this completed we will update you with our resolution letter. Thank you. " Since the above dated response, Nationstar has " robo '' called our home on twelve times on the following dates ; their messages were retrieved from our home telephone : Sat., XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015 - day we received your notice they needed additional review time. 

ACTION REQUESTED : They need to stop these blatantly unjustified calls at your direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
i have XXXX issues with Nationstar mortgage, first is I requested payoff amounts on multiple occasions beg. XX/XX/XXXX, never received one, i was told it was emailed to me but they had the wrong e mail address and would send it again, which i never got, at that point it was already XX/XX/XXXX, so i am anticipating paying this off and believing amount would be retroactive to request date, my interest alone was XXXX a month, by XX/XX/XXXX i still have n't gotten the amount and I did n't receive a XX/XX/XXXX statement so I i send them the stated statement balance of XXXX, I start receiving calls from the loss mitigation dept threatening me with foreclosure! for non payment!!, they deny they have my bank check, and at one point they hung up on me, that was on XX/XX/XXXX a follow up call with someone and they said the check was received XX/XX/XXXX and was never deposited or applied to my acct, I spoke with loss mitigation again asking how they could threaten me with foreclosure when they have a bank check for {$150000.00}, they threatened and said i could either pay or they would send the check back and start foreclosure, I knew there would be additional fees for paying off i did n't feel i should have to pay the additional 3 months interest, close to XXXX for their incompetence to give me a payoff amt. To finally get it over with I pay whatever they say is due, which was also XXXX different amounts when i spoke with XXXX different people, and decide to move on. # 2 problem arises the following XX/XX/XXXX the when i lease a new vehicle and I 'm told the only blemish on my credit is Nationstar mortgage for late payments!!!, late payments for the three months i was TRYING to pay my mortgage off # 3 problem is as of today I have still not received a lien release to obtain clear title for my home this whole situation with them has been a nightmare they are one of the most unprofessional, incompetent and disorganized financial companies I have ever dealt with and I had a good payment history with them and when the mortgage was held by XXXX XXXX XXXX, I do not feel it was justified I pay the additional 3 months interest for their incompetence and inability to give me a payoff amt. promptly when requested, I did n't even receive a XX/XX/XXXX statement! I 've never heard of such a thing, so at this point i do not know how to get these problems solved I had been in contact with the NYS Banking Dept but that was a waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Payment check was received and cashed by Nationstar Mortgage but the amount was not credited and posted to my account. This falsified missing payment incurred numerous late, legal and fabricated inspection fees

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
charged for lenders expenses paid by mortgage company. No summary of payments No credit report of these fees, new mortgage company requested a payoff and received new numbers includin the XXXX lenders expenses paid XXXX Making the new loan amount with the new company XXXX more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I became a victim from XXXX/broker " s name [ XXXX XXXX ] whom was attempting to bring his legal secretary to my front door and said that he wanted to close home refinance loan since I was already cancelled this loan. He force me by said : XXXX you will pay same amount $ XXXX/month for 5 years or 60 months and I did not have time to review all documents. Based on good faith he was indicated with an interest rate 1.250 % 2. Then he sold this account to second XXXX XXXX XXXX on XXXX/XXXX/2007 after he took over {$7.00} thousands dollars on closing cost more than it was indicated on GF copy. 3. Then second XXXX XXXX XXXX Servicing re-sold my account to Aurora Loan Services on XX/XX/XXXX with original loan {$240.00} to become principal balance= {$240.00} after six month payment that I paid toward the end of 5 years aka 60 months and remained 54 more months to complete my terms. 
Note : I had planned to refinance to fix rate before my term up. 
Suddently Aurora Loan Services was illegally jumped my monthly mortgage payment from {$790.00} to {$2600.00} right after three [ 3 ] years as well as changed my interest rate without my knowledge. Since I was paid and owned this property since XX/XX/XXXX and never missed any payment from bank to bank when numbers of banks tried to merge together. 
I am work hard for my family to raise my children alone, I used to work XXXX jobs to maintain my life. For more detail including their addresses I will submit when requested. 
Please assist me to go through this upside down mortgage principal was created by Aurora Loan Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My mother passed away in XXXX XXXX, and had a will and a revocable family trust ( the house is part of the trust. ) Champion said I had one year to pay off the reverse mortgage. I submitted all requested documents by the first deadline of XXXX XXXX. I was pursuing financing documents for the next deadline of XXXX XXXX. On XXXX XXXX, I faxed Champion my funding letter. On XXXX XXXX, I received a letter stating I was in foreclosure. On XXXX XXXX, I received a letter stating I was in default. I thought default came before foreclosure? On XXXX XXXX, XXXX I came home to a Notice of Trustee 's Sale for XXXX XXXX taped to my front door. My next deadline with Champion is XXXX XXXX. HOW CAN THEY SELL MY HOUSE BEFORE THE " ONE YEAR FROM MY MOTHER 'S DEATH '' PROMISE??? Ca n't I sue them for breach of contract? My father built this house in XX/XX/XXXX, and my mother left this house to me in her will. I want to contest the matter in court. THIS IS A SERIOUS CRY FOR HELP HERE! I am XXXX, my husband is XXXX, and my family of XXXX has no where else to go. I ca n't afford an attorney, and the free legal aid in my rural area said they wo n't touch the case ... too complicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
My husband passed away 8 years ago. I recently assumed the mortgage. Nationstar has not corrected the name on the mortgage and has n't sent me a correct XXXX. I 've received a XXXX that has no numbers in the interest paid field. My name is incorrect. So far, I 've received 3 different XXXX forms-none of them are correct.

Company response to consumer: Closed with explanation