vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I refinance my mortgage on XXXX XXXX, 2012 with Quicken Loans and I feel was excessively over charged to refinance my mortgage. My mortgage was with XXXX, XXXX but they do not refinance so they referred me to Quicken Loans to refinance my loan. My loan balance with XXXX XXXX was {$77000.00}, the total fees, cost, and charges by Quicken Loans were {$8300.00} which my new loan balance was {$85.00}, XXXX. I did voice my opposition to the {$8300.00} charges but the loan officer had the attitude and position of take it or leave it. About two months after my closing, Quicken Loans did refund me {$1200.00} admitting their error in over charging fess and cost that should not have been rolled into my mortgage. Quicken Loans since sold my loan back to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I finally read the responses from nationstar, because I never had logged in before and had n't received any of the responses, by mail or email and had no idea any of this had happened. I have submitted a dispute, but have also found fraud in the note of loan rates and adjustments and pre-payment penalty. I have attached a copy with the highlighted forged signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
In XX/XX/XXXX I lost my job, collected unemployment, applied for Save the XXXX Ohio, In XX/XX/XXXX. My application for assistance was approved by SDO. XXXX Nationstar states they did not receive any files from Ohio for my assistance. Save the Dream states they sent file to Nationstar and did not receive anything back. I have until XX/XX/XXXX to file an appeal with SDO, Save the Dream told me to submit appeal when Nationstar approves my file. Nationstar states they are waiting on Save the Dream. I need HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
supporting documents for case # XXXX and # XXXX. 
In the attached documents they prove my wife was XXXX XXXX. Included is our marriage license. XXXX XXXX committed ID theft and forged my signature. Her actual name is XXXX XXXX. It is how they hid the loan documents from me. I made SPS aware of this and with the police report and they are continuing to defend the fraudulent loan. look at the dates. My marriage Cert is XX/XX/XXXX. XXXX XXXX Fraudulent faxed letter is XX/XX/XXXX. A clear pattern established of forged documents and ID theft and the bank is denying it. I demand an investigation into the origins of this loan. Please assign me an investigator. I am waiting on the DA and Federal Attorney to do there job but see a civil case as my rights have been violated civilly. Thank You XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Clients applied for a loan modification XX/XX/XXXX and were advised XX/XX/XXXX that they had been denied assistance. They then received a notice of intent to foreclose XX/XX/XXXX included in that letter was a loan modification agreement dated XX/XX/XXXX. The hearing was set for XX/XX/XXXX. The letter they received had a HAMP Tier II loan modification with payments starting XX/XX/XXXX. When they received the paperwork they contacted the lender and the lender advised them to send the loan mod back in and they would honor it. However, when they did get it turned back in the lender said it was too late and denied them the assistance. We immediately applied again XX/XX/XXXX and XX/XX/XXXX trying to get the loan modification. The lender then stated that they could not get another loan modification for 24 months from the XX/XX/XXXX loan modification even though they were never made aware of the agreement until XX/XX/XXXX.They are asking that the lender honor the loan modification that was supposedly offered to them XX/XX/XXXX. They are asking for proof of receipt of the loan modification paperwork as well. They received the paperwork XX/XX/XXXX ; however, the letter was dated XXXX. When they contacted the bankruptcy dept XX/XX/XXXX they were advised to go ahead and send over the paperwork and they would honor the loan modification. Once they did this the lender said it was too late. We resubmitted the loan modification package XX/XX/XXXX and they were turned down again stating they had had exceeded the maximum number of loan mods allowed by investor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
my homeowner 's insurance has been lowered to {$1100.00} for the next 12 months and nationstar needs to reflect these New changes in my escrow and monthly mortgage payments ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have spent months providing Select Portfolio Servicing with requested documentation pertaining to my deed of lieu we agreed upon. Today I have received a letter stating that my loan is to be restarted. They are requesting information I have already provided to them. Instead given me the answer to their decision regarding my deed of lieu. The process abruptly restarted all while I am communicating with them asking for more time to contact my daughter to get the new unexpected documentation. In the intervening period of time, I send the new requested documents on my behalf. This whole conversation has been recorded my both SPS and myself. 

XXXX XXXX, 2016, I received the first Mortgage Statement in a year, shortly I received another letter dated XXXX XXXX, 2016, stating " the mortgage servicer on the above- referenced account, received your inquiry regarding a possible mortgage workout plan. '' The whole statement above is a lie. I allowed Select Portfolio Servicing each time they requested to record our conversation so that I could put on my speaker phone on to record them as well. I have recorded our communication for the last year. I have dates, times, what was said according to our stated agreements XXXX XXXX, 2016, at XXXX I requested the status of my deed of lieu, I was told that my request was still being investigated for a ruling. 

Below are the dates and time I recorded my deed of lieu conversation recently with Select Portfolio Servicing. 
XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I experienced a short-sale on my previous home in XXXX, XXXX. I had a first and second mortgage with Bank XXXX XXXX. At time of short sales, XXXX mortgages were fully reconveyed as the new owner took possessionXXXX marked XXXX mortages as " PAID AND CLOSED. '' However, some time in XXXX, Nationstar Mortgage began to report the XXXX mortage as open/past due! I did not even notice this until mid XXXX. Despite attempts to work with them, and sending them requested documents, they still report the loan to credit bureaus. This is really hurting me at this time. I have enclosed all documents I sent to them, and to XXXX who is participating, but they suggested I write to you. The documents include a record of FULL RECONVEYANCES on the property for XXXX mortgages. How do we get them to remove these records, and tell the credit bureaus THEY WERE COMPLETELY WRONG AND i HAVE BEEN " CLEAN '' SINCE XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Sirs : I am in receipt of a mendacious notice from Select Portfolio Servicing, alleging that it is the SERVICER of the mortgage covering my residence and that ( falsely ) I have violated the requirement that " hazard ) ie Homeowners insurance be maintained. Since on XX/XX/2017 I changed carriers I would have ordinarily politely provided a Declaration page from the new policy. However knowing the historically abusive and illegal conduct of that company and that is conducting business under a Consent Degree I read more carefully. 
As XXXX and other major financial entities have done repeatedly to hundreds of thousands of unwitting consumers, the letter threatened to " forceplace '' such insurance at hugely inflated premiums However, Here is the punchline : Select Portfolio demanded that I concur in a loss payment endorsement naming it.althoughit hase no right to do sounder the terms of the applicable documents In fact, Select Portfolio has insisted several times in writing ( I never converse ) that the owner and holder of the said mortgage is XXXX I have thus provided in the endorsement. 
It is evident that Select Portfolio was engaged iun an attempted Larceny by False Pretenses and other tortious conduct. Having never observed the mechanism of the CFPB in such a bald illegality, Ihave determined to submit this complaint to your good offices I have no impediment in providing data and documents at your request XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
My mortgage just got sold to another servicing company as of XXXX/XXXX/2016, the first letter I received stated this fact and said for the transfer should be complete in sixty days, that during this time no service fees or late charges would be assessed. I had to reset my ACH with my bank and the new ACH would start on XXXX/XXXX/16, after that date I would make XX/XX/XXXX payment directly. What a nightmare, I have received twelve letters and six phone calls as of today XXXX/XXXX/16. The latest being my payment would go up from {$400.00} per month to {$450.00} due to them being able to keep a two month reserve in the escrow account. 
I am retired, was on XXXX, now on social security with a fixed income and coming up with this added payment will be dificult. By my understanding I have until XXXX/XXXX/16 to have my ACH set up and the XXXX payment made without all this harrassment with letters and phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My guest trailer/camper burned down XXXX 2014. Insurance paid out XXXX dollars. I have spent about {$60000.00} in clearing, demolition, and rebuilding to date. SPS my mortgage lender has paid out {$29000.00}. 
Now the County has tagged my property for various violations and the DA is threatening Jail time if violations are not fixed in a timely manner. I have reported this to SPS and filed all paper work for proper reimbursement. How ever SPS has been stalling for the last two months and I could end up in jail. 
Please 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 2016-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I sent Nationstar mortgage a QWR on XXXX XXXX, 2016 Reference # XXXX And they said they would answer back by XXXX XXXX, 2016, how ever they have ignored my request. Please see attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
Roughly three years ago, I purchased a new home at XXXX XXXX XXXX, XXXX VA, XXXX. From the point of closing I said up an escrow account to be sure that all my taxes and insurance were being paid in a timely manner. However, from the point the mortgage began, the company who is servicing my account " Select Portfolio Servicing ( SPS ) '' has been delinquent in paying my taxes every single time. Every month I receive threatening tax collection notices from XXXX county and the tax collecting company that they use. I then have to spend hours of my time every month tracking down SPS to make sure they are paying the county, and then following up with the county only to find out that despite promises SPS did not make payment. The pattern repeats itself every six months when my taxes are due. SPS does not make payment, the notices come in, I have to rack everyone down, SPS still drags their feet, and eventually they pay, after incurring massive interest and penalties. One one occasion I even noticed that SPS was making me pay for the late fees. After I pointed this out, they reluctantly paid me back, but did not compensate me with interest, which is ironic considering how much interest they charge me for borrowing money from them. I am a pretty sophisticated consumer, but even I am uncertain if they are still charging me for the late penalty.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
In XXXX Nationstar Mortgage company bought my loan from XXXX XXXX XXXX. I did n't realize that my mortgage was being sold, my fault. Ever since they bought it I have had nothing but grief from that company. The balance in XXXX XXXX was {$68000.00}. The balance now is {$64000.00}. They sent me a letter dated XXXX/XXXX/XXXX saying that I have overpaid my Escrow by {$380.00} but because my escrow was changing they were raising my Loan payment by {$40.00} to cover the escrow this year. My taxes have lowered and no change in my insurance. I found out today that the insurance company that I have now is affilated with Nationstar called XXXX XXXX XXXX XXXX. I have made calls to Nationstar and the XXXX. XXXX XXXX. I got " call your insurance company '' from Nationstar, so I did. I got a representive from the insurance company who did alot of double-speak she admitted that My insurance had n't changed and to call Nationstar and gave me the same customer service number that I called. I applied for refinance with Nationstar in XXXX XXXX. They kept saying they would get back with me. 90 days later I was so fed up I told them I did n't want to refinance. The next thing I know I get the letter about increasing my monthly house payment. I am a XXXX citizen and am thinking about retirement. This arguing with this Mortgage company is getting upsetting for me. Can you tell me if this is a real company and if they are honest or not

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION
State: WV

Complaint narrative:
ON XXXX XXXX, XXXX, A DEBT COLLECTOR CALLED, CONCERNING A SO-CALLED OLE CELL PHONE BILL, FROM XXXX. THEY TOLD ME IT WAS FROM XXXX OR XXXX? 

THE SO-CALLED BILL, WAS FOR {$140.00}. I PAYED THIS VIA MY ''BB & T BANK DEBIT CARD '', ON THAT DAY, BECAUSE I WAS ABOUT TO CLOSE ON OUR ''NEW HOUSE '', ON XXXX XXXX, XXXX, LOCATED IN XXXX, XXXX I WAS AFRAID THIS WOULD CANCEL MY NEW HOME DREAMS ...? SO EVEN THOU I DID NOT OWE THIS CELL PHONE BILL, I PAYED IT. NOW THAT I HAVE BOUGHT OUR NEW HOUSE, I WOULD LIKE TO FILE A DISPUTE WITH ''BB & T BANK '', FOR THE AMOUNT OF {$140.00}. 

PLEASE RETURN THIS TO MY CHECKING ACCOUNT, BB & T BANK. 

THANKS, XXXX Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? 
Threatened to sue me on debt that is too old to be sued on Describe what happened so we can understand the issue ... 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX SC XXXX BB & T CHECK CARD PURCHASE {$140.00} They told me I had to pay the CELL PHONE BILL FROM XXXX, EVEN THOU I DID NOT KNOW IF I EVER HAD THIS CELL PHONE #, OR NOT..? 

NEVER GOT ANY STATEMENT, OR BILL. THIS WAS SUPPOSE TO BE FROM WAY BACK IN XXXX OR XXXX? 

THE ''REP '', ALSO T0LD ME IF I DID NOT PAY NOW ... ( XXXX XXXX, XXXX ) ; THAT THEY WOULD TURN THIS BILL OVER TO ALL CREDIT AGENCIES.. ( XXXX ). 

AND THUS LOWERING MY CREDIT SCORE ... ... ( I TOLD HIM FRAUD HAD BEEN COMMITTED, WHILE I WAS LIVING IN XXXX, DURING THAT TIME, TIL XXXX. I MOVED TO THE XXXX IN XXXX XXXX, XXXX, RETURNING ON XXXX XXXX, XXXX. 
FRAUD HAD BEEN COMMITTED AGAINST ME, SEVERAL TIMES. I TOLD HIM ( XXXX ), THIS. 

AND THAT I WAS ''NOT SURE '' IF THIS WAS MY DEBT OR NOT. BUT THEY AGAIN THREATENED ME. AND I WAS TRYING TO BUY MY NEW HOUSE, THAT CLOSED ON XXXX XXXX, XXXX. 

I WAS AFRAID THIS WOULD HARM ME GETTING OUR NEW HOME, SO I PAID THIS UNKNOWN CELL PHONE BILL, THAT I HAVE NEVER HEARD FROM NOR ABOUT. 

THANKS, XXXX XXXX ... .EVEN IF I HAD OWED THIS..??? IS THERE NOT A TIME LIMIT WHEN BAD REMARKS COME OFF OF XXXX 'S CREDIT STATEMENT ...? LIKE AFTER 7 OR 10-YRS ....? BUT AGAIN, I DO NOT REMEMBER THIS SO-CALLED CELL PHONE BILL. 

Consent to publish the description of what happened? 
Consent provided What do you think would be a fair resolution to your issue? 

GET MY MONEY BACK, OR PROVE THAT NOT ENOUGH TIME HAS PASSED, THAT I HAVE TO PAY, ( IF I OWE THIS AT ALL ) ..???? 

PLEASE GIVE MY {$140.00}, & SEND ME A CHECK TO MY NEW HOME ADDRESS ( BELOW ). 

XXXX XXXX XXXX XXXX, XXXX XXXX THANKS, XXXX XXXX Information Edit this section Debt collection company XXXX Phone Number XXXX Supporting documents VA APPRAISAL $ XXXX ( XXXX ) XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
We are existing Nationstar customers for a couple of years since XXXX XXXX XXXX sold our mortgage to them. At the beginning of XXXX of 2015, we applied for another loan with Nationstar ; we had other options, but decided to go with them since we are already their customers. We spoke with XXXX XXXX # XXXX ( XXXX ) and were immediately told we were approved and asked us to send a lot of documents, documents we sent to them immediately. Once they received the documents he told us it will take about 30 days to close on the loan. We then received an email from XXXX XXXX introducing herself as the loan processor. We waited 30 days and nothing happened, we called XXXX to let him know our contract on the house we were looking to buy was about to expire and that we needed to close the loan no later than XXXX XXXX, 2015. We waited until XXXX XXXX and our loan was still in processing, we called him several times with no response. I called from a different number and he answered the phone, he told me he had been trying to call us but that the calls did not go through because they were long distance ; I still ca n't believe a bank as big as Nationstar is does not allow their employees to call long distance in order to reach their customers ( we live in the same state, TX ) XXXX told me to contact XXXX to ask about the status of the loan, I called her, sent her emails and a month later I am still waiting for her to call me back. We called XXXX again several times ( we have all the call records and emails we sent them ) and he did not call us back. I then decided to call his Manager, XXXX XXXX at XXXX to ask about the status of the loan because the realtor could not wait any longer to sell the house. I called XXXX several times as well, and left her messages to call me back, well guess what? A month later, I am still waiting for her to return my phone calls. I called their " customer service '' department at XXXX and was told to contact XXXX, we explained to them we had been trying to contact him, but he was not returning our calls/emails. We were told, they could not provide any information to us and to call XXXX. We asked to speak with a supervisor and again we were told to contact XXXX, they said a supervisor was not able to assist us because he was not processing the loan. We do not know what to do, they asked for all of our information and we sent them sensitive information, I am starting to think they are not even a legit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
To Whom It May Concern : I purchased a home on XXXX XXXX, XXXX in XXXX XXXX County, MD for {$220000.00}. It was a predatory loan ( s ). On XXXX, XXXX the original loan ( s ) were purchased by XXXX XXXX & XXXX ( XXXX ) for $ XXXXXXXX7.25 % interest rate. XXXX gave me a modification ( 5.25 % interest rate ) ( charged me {$18000.00} for the modification ) and XXXX owners went to prison for fraud. The loan went into default as the modification was insufficient to address my financial hardship. XXXX XXXX now claims to have been the financier of the loan and is demanding full payment and is in the process of foreclosing. I practiced poverty law as a defense attorney until I had to retire in XXXX due to a XXXX. I want to keep my home. It is now valued at an estimated {$99000.00} or less. I believe I am the victim of fraud, predatory lending, unfair business practices, and XXXX only knows what else. I have a foreclosure sale date of XXXX XXXX. A previous foreclosure sale was dismissed by the courts. I do believe it had something to do with the documents being altered. I spoke with the county prosecutor 's office. They agreed that the signature of the notary was potentially fraudulent on the documents but was under a mandate to allow the courts to proceed with the foreclosures despite the lack of integrity of the documents. Thank you for taking the time to read this. Best regards.

Company response to consumer: Closed with explanation