vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Our client XXXX ( XXXX ) XXXX applied for a short sale through Nationstar in XXXX of 2014. We have had XXXX offers to present to them since the beginning. Instead of reviewing and submitting offers to the investor they continuously put the home on an Auction website called XXXX to solicit for other offers. This is a scam for Nationstar to continue to milk the servicing of this loan and eventually foreclose. They have not received any better or higher offers and they have scared away every buyer we have had by asking them to pay the full offered price plus 5 % on top for a service no one wants to use. Why would a Buyer we have already procured go and bid on a home and pay more for the house? Whats ends up happening is they offer less to make up the difference in the cost. In addition XXXX sets the opening bids low and congratulatesBuyers when they " win '' the Auction. Then the bank turns around and tell us the bid was too low and the investor rejected the offer. We asked that they stop this useless practice and look at the offer at hand, they refuse. They have been sued in the past by other parties because of their fraudulent practices and we are asking that you reach out to them and request they take this matter very seriously. They are wasting the sellers time, every buyer who has come along, our time and the time if their investor. Thank you for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
On XXXX/XXXX/2013 XXXX mortgage had XXXX of my mortgages : XXXX for my principal residence and XXXX for an income property. XXXX took XXXX times the mortgage on my principal property and none for my income property then they said I did it. They finally verbally acknowledged they made a mistake but refused to get the money back to the income property mortgage because it would be too complicated. As a result my credit scored went from XXXX to XXXX as the new servicing company was given the income property mortgage on XXXX/XXXX/2013 XXXX portfolio Servicing Inc. No XXXX wants to take responsibility and they all refused to work together. SPS sends forclosure notices consistently. I call XXXX/months and get the run around. What can I do? 
I want XXXX to give the money back to pay the mortgage missing payment and get all the penalties off and write to the credit bureaus with SPS and remove the mistakes on my credit reports. Since then I can not apply for a loan or a credit card or increase my business by getting loans.

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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I purchased a house with my husband in XX/XX/XXXX. He refinanced the mortgage without my knowledge in XX/XX/XXXX. He moved out and stopped paying the loan, forcing me to make payments from early withdrawals from my IRA. I requested a XXXX from the loan servicing company for tax purposes, but was denied this on the grounds that my name is not on the note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
I applied for a Harp loan the XX/XX/XXXX. I was with XXXX. 
mortgage my payment was $ XXXX. XXXX sold our loan to Nationstar XXXX XXXX. We continued the payment setup with XXXX. Now Nationstar wants to increase our payment by {$860.00}. This is more than what we were paying before the Harp program. We feel they ae over compensating for a shortage in escrow. Our insurance went up about {$300.00}. 
Can you help us with this problem. They want this change by % XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX XXXX customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage added a Forced Place Insurance onto my account. I made my normal payment as usual while this was being researched. The payment was put into a " Suspense Account '' and I was forced to make an additional payment. After arguing with them for over 6 hours spanning 3 days and speaking to the Customer Service Dept., Escrow Dept., Insurance Dept., it still has n't been corrected. Now they are stating that I owe XXXX times the amount of my " new '' payment amount and nothing has been done accept that they returned my 2nd forced payment. Luckily I working iin Escrow as an Assistant and Officer and know what I 'm doing. I feel horrible for those who do n't know what they are doing and have to go through this. *Side Note. Nationstar Mortgage is settling a lawsuit for their Forced Place Insurance practices. It looks like they are up to it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
XXXX of 2015 Quicken Loans agreed to a short sale of my home located at XXXX XXXX XXXX, XXXX Mi. XXXX. As part of this agreement, Quicken Loans included in the contract that I would receive {$1000.00} if my home were to sell by XXXX XXXX, 2015. The sell of the home took place on XXXX XXXX, 2015. As of today I have not received one penny of the {$1000.00}, which is 5 months after the sell of the home. I spoke to XXXX XXXX at XXXX XXXX weeks ago and receive no resolution. 
Dealing with Quicken Loans has been one of the most frustrating and stressful experiences I 've ever had with a company. They talk about service and doing everything they can for their customers, but in the end they care nothing about customer service. If a company signs a contract, they should honor it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, as Trustee ( successor to XXXX XXXX ) failed to abide by Consent Judgment entered in XXXX. XXXX. See attached Complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I have been attempting for several years for my mortgage servicing company ( SPServicing ) to remove the private mortgage insurance from my loan. Several years ago they were provided an appraisal from a licensed appraiser that also showed the loan to current value below 80 %. I have also made sufficient extra payments to have the loan at 65 % of the original loan value and they still refuse to remove the PMI. Multiple attempts to correct this have been made in writing, to which SPServicing only responds with a form letter advising they are following company policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
I have receiving a pre-recorded message of a women voice debt collection agency on from XXXX XXXX with a account that is not mine. I believe I still have an account with which I was making payments, but due to hardship in 2013, I did n't have the money to continue payments. Now, I 'm on a fixed income. They keep calling but do n't say for who it is for. Please can your agency help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Our mortgage company, Nationstar, is claiming we missed a payment and is sending us email messages and leaving voice mail messages warning us of a possible foreclosure. Our mortgage payment is automatically transferred from our bank account to Nationstar each month, so we know we have n't missed a payment. We have called XXXX different times trying to clear up this issue. The first call we talked to XXXX and she said she would look into it. Two days later on the XXXX call XXXX suggested we FAX them our bank statements to verify the payment was made. We FAXED them that day. On the third call XXXX told us they did n't have a record of us ever calling them, but she would create XXXX. On the fourth call they told us they it would take a few days to review the FAX. On the XX/XX/XXXX call XXXX told us they never received the FAX. On the XX/XX/XXXX call to their call center XXXX was n't sure what the problem was and offered no solutions. Meanwhile we are still receiving email and voicemail messages telling us our mortgage is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
I am a XXXX working on the client 's behalf. My client was facing foreclosure. On XXXX/XXXX/15 the client submitted his first payment in participation of the 90 day deferment opportunity offered by Colorado Statute. All deadlines were met and the payment was sent according to the attorney 's instructions. On XXXX the payment was rejected by the loan servicer, Nationstar. My client called Nationstar and he was told by a representative that they do not " participate '' in the 90 day deferment. I contacted the attorney, XXXX and was told it would be taken care of, and that Nationstar did not have an option to " not participate '' per Colorado statute. I instructed the client to resubmit the payment. The second payment for the second month of the deferment was sent at this time as well. On XXXX/XXXX/15, both payments were sent back to my client. I contacted the attorney again, and was told they 'd be setting up a conference call with Nationstar to get it straightened out, and to resubmit the payments. I instructed my client to do so. On XXXX/XXXX/15, we filed an intent to cure, because my client had the funds to cure the mortgage delinquency. The attorney did not respond with figures until XXXX, after a second request for the figures had been sent. My client took the payment for curing the delinquency, in person, to the public trustee 's office and cured his delinquency. On XXXX/XXXX/15, my client received both of his deferment payments back again and a letter from Nationstar saying he now owed approximately {$2000.00} more than what the cure figures stated. I have attempted to contact the attorney and have not heard back. The public trustee of XXXX County had honored the deferment, and has withdrawn the foreclosure due to the payment to cure the delinquency. But Nationstar still has my client 's mortgage in an active foreclosure, and my client is not sure what to do next OR what to do with his XXXX money orders for the 90 day deferment. XXXX of the money orders is set to expire XXXX XXXX, so he will be depositing the money back into his account. If the deferment payments would have been accepted, as they should have been, his cure figures would have been different than the amount he paid. Additionally, he will be owed back some of the fees paid in the cure payment that had not yet actually accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I purchased a car almost 6 years ago. I missed a few payments and extended the life of the loan. The car was and still is in very bad shape and properly should n't have been sold or bought. The transmission had to be replaced, the XXXX went up and had to be replaced, the body of the car is rusted and the paint on the hood is fading which appears that it is a different hood from the original car. It looks as if the car was in an accident. So, when I called because I wanted to sell the car - I was told that the car costs more now than when I bought it six years ago. It 's a 2006 Chrysler Town and Country minivan and Regional Acceptance Corporation says I owe over {$20000.00}. Which means I ca n't sell it because no one will touch me to buy another car with a balance like that.

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 2015-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Nationstar mortgage acquired my loan from XXXX XXXX XXXX ( XXXX ). I asked XXXX in XXXX how to remove pmi from this loan and was sent a letter saying that I owed XXXX for removal. I sent in $ XXXX from tax refund. I received XXXX more letters from XXXX the last stated that I owed $ XXXX to remove pmi. This was 3 months ago and before the last XXXX payments to nationstar. Nationstar says that I owe $ XXXX the numbers are not even close. How is there such a descrepency? I did not ask for this change however I am not looking to lose several thousand dollars. I have requested pmi removal XXXX from nationstar with no correspondence from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
NationStar has continuously refused to deal with me honestly & fairly. I fell behind in my payments when my husband died but now I have help from a neighbor trying to reinstate my mortgage. We started about 4 months ago, got a reinstatement amount, and were told by the attorneys that NationStar told them to refuse the check. Since then we have gone from around {$25000.00} reinstatement to around {$40000.00} reinstatement with no explanation of fees. I do not believe I should have to pay for anything since the refusal of the reinstatement check several months ago since I offered payment of all back payments & expenses. I have emails back & forth from NationStar showing where they refused to send what we requested. From the limited details I have, I have been billed for services that were never performed and overbilled for services ( like {$400.00} to put a lockbox on the door ). I now have the ability to reinstate the mortgage, but refuse to pay for things that I do not really owe. All I am asking for is a detailed accounting of these expenses & credit for items I should not have to pay. 

I 'm asking for an investigation of my account ( and others if you like ) to show a pattern of fraud & abuse. 

I have many more comments & details concerning my frustration & aggravation as a XXXX American trying to save my family home of XXXX generations ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
In applying for a mortgage for my new home, it was brought to my attention of an old mortgage collection with two different mortgage companies that are actively reporting to my credit report from XXXX. Aurora Bank # XXXX is reporting with XXXX and XXXX XXXX XXXX & XXXX # XXXX with XXXX. Both of them have the exact same loan amounts, open dates and past due balances. When attempting to reach XXXX Bank, no one single number listed on the report or internet work. All numbers ring until disconnect or just hang up. With XXXX XXXX, when I call they can not locate any file under my social, name or address yet they are still actively reporting to the bureaus. These accounts have now dropped my credit score over XXXX points and I no longer qualify for my mortgage that was set to close on XXXX/XXXX/2016. My disputes with XXXX and XXXX have yielded no results and I can not obtain a reasoning for this. Please help me with the removal of these accounts as I have never owned a home in my life and am trying to obtain my first one this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I have disputed Regional Acceptance many times because they continue to report inaccurate information such as the balance and notating it as key derogatory every month which causes my credit score to go down. They continue to confirm and verify the information is reporting inaccurately however they have not responded to any of my direct disputes with them. I have been writing to them for almost a year and they have not responded once!!

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 2016-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: SC

Complaint narrative:
I am the XXXX for my XXXX year old Mother. In XXXX of 2015 I was XXXX and unable to take care of our finances. My sister-in-law took advantage of the situation and stole my checkbook and credit cards as well as my Mothers. She went so far as to divert my telephone calls to her cell phone and took all the mail from our mailboxes. XX/XX/2015 I was able to have my phone fixed and began to receive calls from a branch of BB & T in XXXX, SC and we discovered that she had stolen both of our identities and accessed our bank accounts and credit cards. I had never had an overdraft nor had my mother and that is when we discovered the extent of what had taken place. Credit cards were charged to the max and forged checks were paid off of my account as well as my Mothers. BB & T did not close my Mothers account at that time. Only when my sister, who is a banker in Texas, talked with BB & T did the account get closed. The bank did refund a portion of the fraudulent transactions that were committed by XXXX 's but not all. My sister-in-law was even allowed to make a draw off of my home equity line of credit by telephone that the bank refused to refund to me, leaving me with an additional {$9000.00} debt I am now forced to repay. When my sister in Texas came home for XXXX in XXXX 2015 she went to the bank to ask about the forged checks. The bank refused to honor the forgeries because it was past a 60 day window. My sister contends that when I first reported the identity theft it was the bank 's responsibility to close the accounts and to advise us to go thru our bank statements to look for forged checks. The forged checks on my Mothers account was in excess of {$27000.00}. 
I did press charges against my sister-in-law and provided copies of police reports to BB & T. I feel like not only did my sister-in-law take advantage of me but the bank did as well. They were not helpful at all and it appeared to me that they just wanted me to go away. I have since closed my checking account with BB & T and my Mother has also closed her accounts as well. I still have the home equity line of credit loan with BB & T but as soon as I can pay it off in full I will never do business with them again. They are in no ways " consumer '' friendly.

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 2015-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I was doing fine until ... .. 
I have a 4.875 % and put in the application for a home mod thru Nationstar Mort Co. 
They told me I would have to go thru a FHA trial period for 4 months. They dropped my payment {$80.00}. After about 4 months they then told me I would be on a 4 % so that was bringing me down .875 %. I told them to cancel. I then made my regular payments. They sent me a check for {$300.00} and I called and was told that it was escrow money. I cashed it. About 3 weeks later I received a check for {$1700.00} and I told the wife that escrow must have been way over. so I cashed it. Now I am a month behind and they are charging me a late charge. I can not refinance or do anything until I make a double payment including late charges that are building up each month. I spent hours on the phone finally getting to the person that is capable of making decisions and they said they would call me with a decision. They did not call or respond in any way. If anyone has anything to do with Nationstar Mort Co. " Please beware ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
3 inquires listed on my Trans Union credit report were removed and placed back on my credit report without any notification to the consumer ( me ). This is against the law and illegal. I called Trans Union on Monday, XXXX XXXX and spoke to a representative who confirmed the inquiries were removed and replaced back on. He said these 3 inquires will be removed. I told him I wanted the statement in writing, he said he could not do that since this is a system glitch issue. I stated if these inquiries were not removed from my credit report due to Trans Union violating the law and my rights as a consumer, by Monday XX/XX/XXXX/2017, that I will be making a complaint to the CFPB to have them removed promptly. Again, this is against the law deleting and replacing inquires that potentially pose as negative information on a credit report and those such inquiries were listed back on my credit report without any notification. I found out these inquiries were removed and replaced twice - the first time between the week of XX/XX/XXXX/2017 & the second time the week after ( XX/XX/XXXX/2017 ). I was able to find this info due to a credit monitoring service that I consistently use that updates weekly on Mondays. Please remove these inquiries promptly as I was told they would be removed over the phone and this was never done. Thank you. 
( See attached spreadsheet for listed inquiries ).

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