vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
Hello, I have called to speak with Finance System of Toledo on several occasions starting XX/XX/XXXX. During the initial call I spoke with XXXX XXXX and explained to XXXX that an account from XX/XX/XXXX was on my credit report and I am unsure what the account is. XXXX goes on to tell me that the account is paid and what it is from. I explained that I have never received any notification of this account in the past and that I am unaware of the account. XXXX said " No worries he would send over a request to have the account removed from my files '' which it is only listed on XXXX. I called XXXX to let them know they will be receiving notification to remove the account. I called back later that day to double confirm the deletion and a lady representative stated XXXX did send the request and it will be removed. I called again XX/XX/XXXX to confirm again because the account was still listed on my XXXX report and was transferred to XXXX XXXX and he confirms that the request was sent and it would be removed soon. On XX/XX/XXXX I checked my XXXX report and noticed Finance System of Toledo is still listed on my report. I called XXXX and they stated they they never received the request to delete but in fact they received information to keep the account listed and recommend me to contact the agency. I called and was transferred to XXXX XXXX and explained the situation again. This time he stated that he sent information stating the account was paid. I explained the account was already listed as paid so that request would n't have been requested and reminded him that he stated he was sending a request to delete the account. XXXX says " oh yes that request was sent and I will have our department resend it ''. I called XXXX to update them on what was stated. I then call Finance System of Toledo to confirm this " special department '' that handles deletions and the female rep stated there is no such department. I explained I am very confused and quite irritated with the lies XXXX XXXX and the other reps that confirmed this deletion. I asked to speak with a Supervisor. No Supervisor was available so I left a message for a XXXX. XXXX returned my call at XXXX EST on XX/XX/XXXX and stated she does not see any notes from any of the reps I spoke with and she would need to look further into the issue because she has no call history for me. I am done with getting the runaway from Finance System of Toledo and am willing to take the proper legal steps if the account is not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I 'm certain that Nationstar figured out my account wrong and the payoff - deducted and paid from the Escrow Company to NS - was incorrect in a significant way. If not refunded I 'll file a lawsuit against Nationstar with the State Bar of California. 

With Letter from XX/XX/2016 and XX/XX/2016 " Changes to Your Mortgage Interest Rate and Payments ( see attachments ) I get the information that my monthly payments are now {$2300.00} I paid this amount the entire year 2016 month for month. 
The statement shows clear that this amount contains the payments for PRINCIPLE, INTEREST and ESCROW! Payments were made in time. 

In the " Mortgage Payoff Statement '' from XX/XX/2016 Nationstar charged additional {$9.00} on Interest, XXXX for Escrow advances and {$5.00} for 'paid Expenses ' ( such one are included in the escrow account ). 
As a result the amount of {$22.00} can not be added to the unpaid principal balance and have to be refunded incl. Interests! 

I was calling several times, wrote several letters and an email ( which was delivered! ) but get never a corrected statement. This " Customer Service practices '' is shown in many complaints against NS. I get only a meaningless letter! The mentioned amount of about $ XXXX was paid via Escrow with the sale of my house in XXXX in addition to the Principal Balance. 

Nationstar : If you not refund the full amount I 'm asking you for separated, detailed breakdowns of each item in the payoff statement ( Principle, Interest and Escrow account ), also a detailed statement from all payments Nationstar get monthly for this account : mortgage payments, additional mortgage payments over the last year and the payments from my Trustee to Nationstar. 

A Civil Suit with the State Bar of California ( with the request of a general audit of this NS practices ) will be filed if the case is not solved within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
I had for the last 12 month been receiving correspondence offering a refi with the company that holds my property mortgage, Nationstar Mortgage. I called to inquire and was told that although I had received the mailing I was not eligible for the offer to refi. Several months passed and I continued to receive additional offers. I called back and was told that I was in fact eligible and was transferred to a licensed specialist whom proceeded to ask me a series of questions. She determined based on my answers that I was eligible. She asked if she could pull me credit report and I told her I first wanted to know what type of rate and product she could offer me. The representative quoted me rates of " low to mid 3 % for the same 30 yr fixed product '' based on me telling her my credit score was over XXXX. I was EXTREMELY clear that I only wanted her to pull my credit if those were in fact the rates she could get me. She assured me they were. After waiting on hold for about 30 minutes for her to pull my credit report she returned to the line to tell me that although my credit score was very high the best rate she could get me was 4.15 % which is essentially what I have now. I asked her what had happened to the " low 3 's '' she was quoting prior and she proceeded to tell me that " it does n't make sense for you to get that rate you 'd have to pay almost {$20000.00} at closing ''. I then asked if those rates she quoted included paying points which not until after the fact did she stutter and hesitate but did confirm that the rates she originally quoted included points. Had i known that information I would have NEVER authorized her to pull my credit. As a result I now have XXXX hard inquires on my credit reports which I have worked extremely hard to get and maintain. I was given misleading and incorrect information. I was baited for the opportunity for her to write a mortgage. I can not have the inquiry reversed and as result my credit score will drop. In this new environment one would think mortgage companies would exercise extreme caution when quoting rates and giving the consumer correct and ACCURATE information. Plain and simple I was lied to and am extremely upset. I left several messages for XXXX XXXX at ( XXXX ) XXXX whom is the representative 's supervisor only to not get a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I had a XXXX mortgage with Nationstar and I tried to get that loan modified, but was turned down because they said that I was current on my mortgage. I explained that I was running into terrible because I could not seem to rent this house out. I had been covering that loan along with the XXXX mortgage on that house with my savings, which was depleting. 

So I called to do a Deed-n-Lieu in XXXX 2015 and the representative that I was working with never contacted me. I would leave voice messages and he would never call me back. I would take days off from work to reach him, every now and then I would get lucky and he would pick up and immediately, he would say that he emailed me. I would hang up and check my email and it would be no email from him. 

Apparently, they gave the case to another representative who seemed to work diligently on the case. When I spoke with her towards the end of XXXX she received an email saying that, I had ran out of time and that the house had a sale date of XXXX XXXX. 2015. I asked, how could that be, if we were working on a deed n lieu. I asked, does it normally take this long to do a deed n lieu? She responded by saying, i 'm sorry. I have to close the case. 

Now the second lien holder has been calling me, asking me what 's going on with the loan. I keep telling them, that the house foreclosed. Also, I received a violation from the city of XXXX, va regarding the cutting of grass. 

I feel my case was n't handled property with the first representative and he sat on the case and then when they gave the case to someone else to handle it, it foreclosed and now i 'm stuck. Apparently, they did not sale the house after all, I think it 's in their REO department and Nationstar never contacted the XXXX lien holder which is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
I have been trying to do a short sale on this property since XXXX/XXXX/XXXX. Every time we submit documents, the servicer says they can not move forward because the foreclosure sale date is too close. So, either our attorney or the servicer goes to court and requests an extension. The extension is granted and I try to move forward with the short sale. The servicer again says they need more time, so the short sale is denied. I just called them, after getting an extension to XXXX/XXXX/XXXX, and they said they need at least 6 weeks to complete a short sale and said they want it to foreclose, they wo n't do the short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: PA

Complaint narrative:
I have not been receiving notices. I have sent in paperwork fromthe doctors because im XXXX XXXX. Im on XXXX. When i was getting voice mails I was in contact with any agency that contacted me and each time without fail It was we have no record of getting a doctors note concerning you. After a bit of searching with a few respresentatives that took the time to look deep into wherever they looked one was found. my account was put in deferment. I kept getting calls and I kept calling and explaining. The next set of calls I have been receiving are for student loan forgiveness. then I call them back and I got we cant help you. I get the message I qualify but still cant get the help I need. Im confused and frustarted

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
I was denied home affordable modification, then they offered me a thing called cash for keys on my property. ( I ca n't be worried about losing the house when NationStar forced me out.All I want is my money back so that I can move forward and have a safe roof over my child and I heads. ) I found out XXXX years later, that my original lender was a predatory lender. My original lender back in year XX/XX/XXXX was XXXX XXXX XXXX XXXX. XXXX XXXX was in the process of modifying my loan ( so they say ). Next thing I know is I received papers in the mail saying that XXXX XXXX XXXX would pick up were XXXX XXXX was in modifying my loan. Then it was an on going cycle with XXXX XXXX XXXX til XXXX day I received another letter from Nationstar Mortgage. In my opinion, Nationstar was very rude and unprofessional. They say that they were going to modify the loan. But I caught them in plenty of lies. Nationstar does not communicate well with there staff. I have all of the documents and conversations written down concerning this entire matter all the way to XX/XX/XXXX, when I surrendered my keys to Nationstar for the cash for keys program. As you can see, at this point I got tired of their lies and foolishness. I hope to hear from you seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: BB&T CORPORATION
State: PA

Complaint narrative:
They are calling my cell phone and work number every hour to 15 minutes ...

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 2017-01-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
I have been trying to modify my loan with the XXXX/Nationstar for the past 4 years. I have attended 3 mediations where they have participated in bad faith. They have never proved ownership of the note. The note was securitized into a trust then sold as certificates to investors with NO RECOURSE. XXXX has recorded an assignment in my county recorders office that they are acting on behalf of their investors. They are a Trustee and only a trustee, they do not have any beneficial ownership rights to my property and since the investors have no recourse they should not be allowed to foreclose on my home. Since the 3 failed attempts at mediation I have filed a petition for judicial review. The judge ordered us back into a 4th mediation. Four years ago I tried to negotiate a principal reduction with the help of the TARP funds. Nationstar is a participant of the TARP funds however never offered me any help or assistance with not losing my home. From day 1 it was their sole attempt to foreclose for the cash funds. I wish I would have let them get the {$60000.00} my home was worth then compared to the {$180000.00} it is worth now along with my arrears now of {$43000.00}. I have basically maintained the home for their benefit. I am sick to death of their extreme unprofessional behavior as well as no care or concern of helping me through this situation that has drug on for 4 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I was told my mortgage company participated in the deed in leui program with relocation assistance. I have been trying to get this since XX/XX/XXXX, SPS has been playing games making me get the same documents 12 times, reapply 3 times, then denied me outright. I am getting the run around for 4 months. I filed bankruptcy and can not afford to keep this home., I was told in XX/XX/XXXX it would take 45 days to get this help. In XX/XX/XXXX I started looking for a new place to live, SPS is still playing games. we are now out of our home, and broke. We are trying to do the right thing, we qualified for this relocation assistance and we are getting jerked and from what I am seeing online many people have gone through similar with SPS. I feel they are getting government funds for " pretending '' to participate in this program. PLease help us!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS sold our property at auction on XXXX/XXXX/2016 despite sending us a letter which arrived XXXX/XXXX/2016 requesting " additional documentation you would like us to consider while evaluating this account for an alternative to foreclosure ''. We believe this is a detrimental reliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My Investor on my property is XXXX XXXX. Select Portfolio Servicing Inc is servicing my loan. In XXXX XXXX I was approved for a HAMP modification and given XXXX trial payments. XXXX and XXXX XXXX and my last XXXX XXXX XXXX. I have made all my trial payments on time and verified that with the modification represenative and the mortgage company refuses to permanetly mondify my loan stating that HAMP wants a LOMA on my property. I called HAMP and they stated that the servicer is wanting that information due to it being about insurance not behind payments.This servicing company that XXXX XXXX gave my loan to be serviced by is sabotaging my HAMP modification so they can get my house. I want flood insurance, they lender placed it but state it does not meet their minimum requirements. Based on a letter sent to me the lenders placed insurance DOES meet the requirements. That makes no sense to me at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
My mortgager is foreclosing on my loan. I have been trying to rectify the problem, directly. 
I 've had no luck in getting any response. A friend suggested I try here before my trial. I have a trial for foreclosure on XXXX XXXX 2015. That is XXXX days from now. Can your help me to get a continuance on the trial. I have, again filled out the paperwork for modification of my loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We completed an application package for XXXX in XX/XX/XXXX when we entered into a purchase contract with XXXX XXXX , XXXX for a house located at XXXX XXXX XXXX, XXXX CA. XXXX was the " in-house '' lender for XXXX XXXX , XXXX We cancelled that contract in XX/XX/XXXX due to us not being able to sell our home in time ( to satisfy the contingency in the contract ). In XX/XX/XXXX we entered into a contract to purchase a different house From XXXX XXXX, XXXX ( our current home ) The closing would take place in about 3 weeks from the time of signing the contract. We asked for the application package. XXXX XXXX, the loan " specialist '' we dealt with at XXXX, stated they did n't require a signed application package. We also asked several times to see the Good Faith Estimate. Finally, it was sent over to us. There was an origination fee showing that we never agreed to be charged in the amount {$860.00}. Furthermore, XXXX was the lender for almost the entire neighborhood, XXXX XXXX was the loan specialist for the majority of the homes, he KNOWS what the closing costs would be. As per our sales contract, the seller ( XXXX XXXX , XXXX ) was to pay up to {$5000.00} ( part of that stipulation was that we HAD to use XXXX for our mortgage ). It was n't until we signed our closing documents did we notice the difference in the actual closing costs amount and the number that was shown on the GFE. The GFE quoted {$5500.00} as the total estimated settlement charges and the actual was only {$4200.00}. We know it is called a Good Faith Estimate, but over-estimating the closing costs by {$1300.00} when XXXX and XXXX XXXX was the only lender for the same homes, in the same neighborhood with the same title company for years, is unacceptable. Had we known what the actual costs would be, we would n't have waived escrows/impound account or we would 've asked to buy down the rate using the remaining concession. We never signed an initial TIL on this property, application, rate lock agreement, intent to proceed, change of circumstance, etc. In addition, XXXX tried to get us to sign the " appraisal waiver '' when we kept insisting that we wanted a copy. With all of the restrictions and safe-guards put in place to prevent predatory lending, XXXX has broken several regulations and in the meantime cost our family {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I submitted a form requesting acknowledgement within 5 days and response and proof of who is the legal trustee of my mortgage to Nationstar Mortgage, they finally submitted a letter with a forged and falsified balloon note on XXXX XXXX, when the request was sent on XXXX XXXX. They claim only XXXX holds the note, when I sent an email to the company it came back non deliverable. XXXX XXXX claims they hold the note but can not figure out how to reach them as when I call the company my s.s. does not come up. I have also tried to get a loan modification and they have said I did not send in the paperwork when I did and XXXX went to the bankruptcy court to dismiss my case when they have no proof of holding and certificate or note to foreclose without offering me any assistance to catch up. We had to make them an offer but I never signed any paperwork nor did the bankruptcy judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I have a mortgage whose principle is currently at 79.4 % of the original value of the property. I asked the lender to drop PMI but they originally told me that I had to be at 75 % LTV - after calling and getting passed around a XXXX times it seems as if they finally fixed it to reflect the proper % but they refuse to have a manager call me back or drop the PMI without using their appraiser which will be an unrefundable cost to us somewhere between $ XXXX no matter whether they decide to drop it or not. I have requested they tell me the amount I need to pay down on my loan instead of throwing money on an appraisal that is worthless as even if you look at XXXX the property has increased in value by $ XXXX since the original loan date. There is no good way to talk to a live person, they pass you around from uninformed person to another uninformed person and all I want is somebody to tell me what amount I need to pay towards my principle to drop the useless PMI fees. We have never been late and we always pay more than the minimum on our loan and just need to understand ( besides throwing money away for a useless appraisal ) what we need to pay to drop PMI.

Company response to consumer: Closed with explanation