vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I had previously contacted you when my mortgage company, XXXX, was dragging their XXXX concerning my mortgage modification. Since then they have finally got the papers needed to me and finished the modification. 

Now they have sold my mortgage to Nationstar and I have been informed that I have an escrow shortage so my payment will shoot up to {$1100.00} a month. ( NOTE : I received a letter after starting this that states it will be {$1500.00} a month ) My concern here is that when XXXX did the modification to a 40-year term, they also financed an extra {$3000.00} into the escrow so it would not be short. Now Nationstar is telling me the escrow is short and I should look into a short sale, died-in-lieu, or loan modification. 

Before I ran into problems I was on time with my mortgage, then XX/XX/XXXX I got divorced and XXXX stated the only way they would remove my ex-wife off the mortgage was to refinance me for 30 more years ( I already had 10 years in on the original mortgage. Then XX/XX/XXXX got behind while my new wife was in school, so then I talked to XXXX. All said and done, they modified me for 40 years at {$980.00} a month. I paid 1 month and the loan was sold and now it is {$1500.00} a month. This, mind you is on a {$66000.00} mortgage note. 

And to make matters worse my AC stopped working. Had a service come look and the entire unit has mold in it. I have a XXXX and my wife has XXXX. We are living in an unsafe home for both of us, nowhere to go. 

How is it that these mortgage companies can get away with all this? I am being forced from my home. I have no money, I do not live extravagantly, have a truck that has 18 months before it is paid off. I have said I am not one of those people that stays in a home as long as I can without paying ( you hear horror stories all the time ) but what XXXX has done to me, is forcing me to do just that. 

Do I save and fix AC, do I save and try to move to a rental? We are clean responsible people, but I have XXXX great dog, XXXX cute cats and a XXXX step-son, so my options are limited. Very limited. 

So I ask you, where is the assistance that you hear about that has helped so many others, others that have taken advantage and not paid mortgage payments for a long period of time but were able to refinance to a reasonable payment and a principle reduction? 

I have nowhere to go, no idea what to do. I have been beaten down for the last time. Any help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
I asked for a complete breakdown of the corporate advance fees charged to this loan. Nationstar responded with the attached breakdown, which does not define what the fees are ; i.e., what comprises foreclosure fees? Is foreclosure fees one fee and a combination of several fees? What is a land periodic and land initial fee? What is a title examination? etc. Also I asked for dates, times, and the name contractor who performed any property inspections. This is not " proprietary information '', as claimed by Nationstar. Therefore this is a request for verification and a compete explanation of the fees charged to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: NY

Complaint narrative:
While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by BB & T Dealer Finance on XXXX XXXX. I did not authorize any employee of BB & T to review my credit report at any time. This action is innclear violation of my FRCA and Privacy Acts. I had requested that BB & T provide me with any documentation to validate this inquiries within 5 business days and they have failed to do so. I am requesting that these adverse information be permanently deleted from my credit profile as they have resulted in my inability to secure an employment or housing and obtain new credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Loan # XXXX Dear Sirs, we are a responsible Real Estate owners, we have made several payments IN ADVANCE towards our Mortgage listed above for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nationstar mortgage company made several errors in applying these payments at first to the WRONG accounts, then to the interest and Principles, even though we talked to the Managers to ONLY direct our payments to INTEREST ONLY for the follow months. 
They attempted to correct the account ; almost every month to no avail. On XX/XX/XXXX we received a SUSPENSE NOTICE for XXXX ( XXXX XXXX ), which will put our credit history in late payment and accrued interest and penalty!!! 
On XX/XX/XXXX, we received another SUSPENSE NOTICE for {$6.00} ( including penalty and interest ), which will put our credit history in late payment and accrued interest and penalty!!! 
On XX/XX/XXXX, we contact the Manager demanding that correct our account according to pour Timely and in advance payments, he refused and he demanded that we pay immediately {$4.00} alternatively he will suspend the payment ( again )!! 
Manger admitted that an error from the company side did occur, yet he still demanded full payment from us!! Alternatively he will suspend the entire full payment for the month and harm our Excellent credit ratings!!!

Company response to consumer: Closed with non-monetary relief
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 mort. co. I have never been late with bills, my credit and my name speaks for it self, XXXX XXXX sold my mortgage to Nationstar mort, I paid my bill on line which i do every month XXXX XXXX acknowlege confirmation letter, then XX/XX/XXXX I started getting which I throught was crank phone calls, from nationstar stating that they were my new mort. co. then when I called XXXX XXXX XXXX they stated they will get in contact with NATIONSTAR, AND THEY WILL GET EVERYTHING CORRECTED, which they did not then there was late fees, ask XXXX XXXX, about the late fees, they do n't suppose be charging late fees, this went on for long time, XXXX XXXX. did not want to take on the ownership of there error nor did Nationstar, I am the consumer, fall the guy, I have never been so agitated in my life, consumer, this what I called rotten hand shake, I always tried to safe guard my name, and still do. but God bless me, to pay off Nationstar, I had 30 year mort. and paid if off in 22 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
In XXXX 2016 I submitted a written request to end escrow of my HOI and ESCROW TAXES ONLY. I received a call in XXXX indicating they received the request to ESCROW TAXES ONLY. Nationstar did not process my request until XXXX 2016. When they processed the request they closed my escrow count completely. I requested to ESCROW TAXES in all communication and instead nationstar mortgage closed my escrow account completely. I have never asked them to close my escrow account completely. I have always asked for ESCROW TAXES ONLY. I am now having to make 10-20 calls to have this issue fixed and I have a tax payment that is due from escrow next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Last year our mortgage company sold us to Nationstar mortgage company.  It has been a nightmare ever since.  Even though my husband makes the payments to this company, we don't understand why they are not putting it towards our account.  
Now a few months ago my husband had XXXX so that left him without work or being able to pay to the mortgage company.  We're still waiting for him to get on XXXX  He contacted Nationstar about this, and I'm not sure who he talked to but they said he was protected with the insurance to cover these type of things.  Then a month later they tell him he's not eligible.  
Since XX/XX/2014 all this company has been doing is hassling us and throwing "foreclosure" in our face.  We sent them checks faithfully like I said until 2 months ago when hardship fell with my husband.  But they have been threatening foreclosure even before this.  I went to their website and it just appalls me the complaints people have with this company and they still remain operational.  There is something very wrong with this picture and someone needs to do a thorough investigation on them.  When there is this many complaints on one website that should be a red flag even for the Better Business Bureau.
It's not like we're trying to get out of paying our mortgage.  We will pay it.  But we have to wait until the money starts flowing again.  And this is the only company we're having problems with.   But I feel threatening your customers every 5 minutes and calling XXXX times a day is not a solution.  They know our situation.  But when you call them back no one seems to know anything and you get a person from another country just telling you to send money.  The most unprofessional company I have ever dealt with in my life.  If things can't be taken care of this way, I guess I will have to look into a lawyer because I feel companies like this need to be stopped.  They're not here to help anyone.  I feel that they want people to lose their homes because they know they'll make more money that way.  Disgusting!  And I know we're not the only ones that feel this way about this company.  My husband and I are just totally fed up and this is one other problem he doesn't need on his plate at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I used to get XXXX supplies from this company, but when my insurance no longer covered the expense we contacted the company by phone and asked to stop delivering. We ended up moving and unbeknownst to me, they delivered another package of supplies at the old address that was not forwarded and I never received. When I got a bill for the delivery, I wrote them and told them that I did not receive the supplies and also that I had phoned them before that and told them to stop delivering. This collection agency is now trying to collect AND they put it on my son 's credit report as well.

Company response to consumer: Closed with non-monetary relief
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: VA

Complaint narrative:
Our property consists of XXXX lots : XXXX and XXXX. We are taxed at the county and town levels. Nationstar paid the county and town taxes on lot XXXX but not XXXX. I have been calling them since XX/XX/XXXX but this issue is still not resolved. I have faxed in the tax bills to the number listed online but when I speak to a representative they have no record of lot XXXX nor the tax bills. After each call the representative says they will get back to me. They have n't. When I ask by name for a person I previously spoke to the new representative seems to have never heard of the former person. I will soon be receiving a notice from the county and town for failure to pay taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
We have been trying to get our home out of foreclosure, and it feels as though every step we take to accomplish this, the company forces us two steps back. We begin by discussing with our company, Nationstar Morgtage, that we would be going through a financial situation, making it difficult to make the full payment each month. We asked to make half, and were told that the best way to handle a situation like ours was to let it default. We did that, and also began the hardship process with the company. I sent information in, and consistently was asked for more information pertaining to our account. I understand the need for the company to be well informed on our situation, but in five months time, the hardship still was not processed, and they asked for more information, some of which was already provided. At this point, we were five months behind on our payments. We then decided to borrow money, just to get it out of foreclosure. I spoke with a representative in XX/XX/XXXX, and was told to pay a certain amount by XX/XX/XXXX. I mailed the payment on XX/XX/XXXX, and called on XX/XX/XXXX to confirm that they had received it. I was told that due to my payment being received two days late ( XX/XX/XXXX ), even though it was postmarked for XX/XX/XXXX, that I would have to pay an additional XXXX in attorney fees, just to get it back out of foreclosure. It feels as though Nationstar has done its best to do everything they can to make us lose our home. Prior to this financial hardship, we have never been late on a payment. We fully plan on refinancing after we can clear our account, and never plan to work with Nationstar again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX Dear Consumer Financial Protection, I am filing a complaint about what Wells Fargo has done to me and many others like me. They set me up to be scammed. So here is the information and if you send me your email address, I can give you all other data of how it started with me consistently contacting American Servicing Company for months with no reply or answer to my issues even though I was not behind in my mortgage. 
All of a sudden each XXXX, I had to pay an extra XXXX. I called to get clarification ; they listened, but no reply. They required that I had to pay XXXX insurances on the property ; I questioned them about that because in all the years of living here this was the first time XXXX insurances on XXXX piece of property. Suddenly, a letter arrives telling me I had to pay for the second insurance monthly. I called asking for clarification ; nothing. I started calling for loan modification nonstop until I was told it was my fault that I did not keep after them, but I did. 
Suddenly, after I hung up on that last call, a XXXX named XXXX XXXX arrives at my home asking me did I need assistance on anything about my property. I told him how I contacted American Servicing Company with all my issues, with no results from them. He told me I can get loan modification if I get behind on my mortgage. In reflection, it seemed this was set up by American Servicing Company. 
From that moment the scam happened. All my issues were solved so I could trust the person to assist me that Wells Fargo did nothing to assist me. I got XXXX loan modifications and Wells Fargo dismissed them based upon XXXX lies : I did not pay my house taxes and I, a celibate man, was married and my wife put a XXXX lean on the property. I could not sue Wells Fargo because all was done by word of mouth ; however, I had to have a notary witness my signature to send to Wells Fargo that I spoke the truth. 
Wells Fargo is going after seniors, families and XXXX to make them homeless consistently. 
I am filing this complaint against them for what they have done to me XXXX for 50 years who served XXXX with all my heart and soul. 
Respectfully

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 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
On XXXX/XXXX/2016, my home was flooded in XXXX XXXX, LA. Initially, I received an advance from my insurance company. It took 5 weeks for Nationstar to release the advance after I had to upload receipts in regards to the money I had already spent eventhough my insurance adjuster had written a detailed letter stating that the money was for cleanup and demolition. I complied with Nationstar. 
On to my final payment from my insurance company, I received confirmation after nearly 90 days that my payment was in route. I immediately uploaded all receipts and invoices then contacted Nationstar. At that point they requested proof my adjuster was authorized to do the claim from my insurance company, they have refused to send me a hold harmless and intent to self-contract ( which is ok by LA law ), they have not accepted documents for no valid reason that I have had to re-upload. I have requested an inspection on XXXX/XXXX/2016 for 50 % completion, which I have paid for all repairs up to this point, just to get my house completed. I received a call today and the inspector is unable to get here until XXXX/XXXX/2016 at XXXX. This is unacceptable. I just want to finish my re-build. I 'm not asking for all of the money, however, I would love to have it all. I 'm just asking for a portion of it so that I can finish the rebuild of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AR

Complaint narrative:
Had a XXXX mortgage for a number of years. In 2012I XXXX was unable to work. I called XXXX, they told me that they would work with me. They forclosed on me instead. I was able to stop the sale by borrowing XXXX. They told me that I would be able to get a 2 % loan. I could never get all the documents they wanted ... I always needed one more.They have since sold my loan to Nationstar. Nationstar put me on a trial payment. They told me that I would get a better rate and a lower payment. They kept the rate the same and extended the mortgage 10 years. This takes XXXX % of my income to pay this. They have lied to me just like XXXX. I want to know what my rights really are. I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
My father passed away last summer and I have been trying to sell his house in a short sale because he was so upside down as he carried a mortgage with Nationstar and XXXX XXXX. His home was deeded to me - I live next door to him in a neighborhood where homes are being stripped and crime is high. We have a buyer for the home and she has been in active nego with Nationstar. The auction is set for tomorrow, XXXX XXXX and the realtor requested to push it out over 2 weeks ago. A broker from Nationstar did a walk through on XXXX the XXXX and now we learn that the house is going to auction???? what is up with this company? My father was XXXX years old when he died and somehow he was owing {$XXXX} on a home valued now at highest {$90000.00} - I really feel that he was taken advantage of and agreed to anything to keep his home or lower payments??? I do n't know?? I do know that if the bank owns the house and the renters move out that the house will be stripped and vagrants will move in and drugs etc. will happen right next door to me. I only wanted the chance to keep my family safe and my own property value up. There are so many houses in this neighborhood that have been abandoned. I have young grandchildren that I care for and the thought of them being subjected to the potential crime has created so much stress on my husband and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I had XXXX unathorized charges withdrawn from my chequing account and the bank is stating that they find they to be valid since they occured in the country where I reside and also because I had changed my account type a few weeks back before the date of when the transactions occured. I never received any letter regarding the decision, I had to call to get information regarding the claim. I have also made a request to receive a copy of all supportting documentation that the bank used to determine this and they have stated that they are unable to because it 's in a format that they are unable to send via mail or fax.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation