vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
I was in the process of re financing my home, I was working with a few different mortgage companies trying to find the best deal. XXXX of these companies was quicken loans. I made a decision to go with a local company but the banker I was dealing with at quicken loans using their aggressive tactics told me " the rates went up this morning but lucky for you I locked you in already. '' Not knowing everything about mortgages like most people, He made me feel like I was already stuck and I had to go with him. So I went ahead and filled out the mortgage application and within minutes they had my credit card info and charged me a {$500.00} deposit for the appraisal and credit info. I felt this was quite quick but knew It was part of it so it was fine.. 
I was rubbed the wrong way from the very beginning and felt uncomfortable using this company, so I asked around and also the lender I wanted to work with and found out I can back out and cancel the loan and if I did it soon enough I could get all my {$500.00} back. So this is what I did, I called Monday morning the XXXX of XXXX and cancelled my loan. I told the banker I want to stay on the phone until it 's 100 % finished. He then told me it 's done. There is nothing more you need to do. I then asked him to transfer me to the right person to talk to about getting my refund to my credit card. As I spoke to the woman in that department she told me everything was final and it would take 7-10 business days and I would see my refund. So I waited until Friday XXXX XXXX and never saw my refund, so I called to find out what was going on. A lady in customer car looked up my info and said you 'll see it on Monday and to call again if it 's not there.. Monday comes, no refund. So today, Tuesday morning the XXXX of XXXX I called again to find out what 's going on. I get another lady in customer care, as she looks up my account she tells me they have n't even started the canceling process, and this process will take their team 8 days to complete and then the refund will come 7-10 business days from that. It has been 15 days and I will not receive my {$500.00} refund from a multi-billion dollar company for at least another 2-3 weeks! 5 weeks in total is completely unacceptable. It 's a credit card, very easy to refund a charge.. 
The high pressure, plus using tactics to make me feel trapped just to take my money as fast as possible and then give me the run around and hold my money hostage for as long as possible so they can make more money is downright disgraceful and I am absolutely disgusted with this company. Hopefully something happens with this and consumers are warned about working with any company like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
We just paid {$100000.00} to a {$290000.00} loan modification. 
{$49000.00} field adjustment was the amount paid to XXXX and {$32000.00} was the amount we paid to midland. I guess they gave us partial credit for the {$55000.00} we paid to XXXX XXXX XXXX. 
XXXX collected the money paid to commerce bank and XXXX. 
This means that NONE of the {$670000.00} I have paid to my house has been applied to principal. Which means I have paid {$640000.00} to interest. Which again I will point out is OVER 18 % interest on a 15 year loan disclosed at 4.34 %. 
When are they going to release this lien that XXXX bought for {$90000.00} XXXX reported {$80000.00} extinguished but it was never removed from the balance. We were not given credit for the {$5000.00} HAMP incentives. We did not get credit for the {$17000.00} paid from XXXX other properties. We paid it again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, GA XXXXOffice of Consumer ResponseConsumer Financial Protection BureauConsumerfinance.govRE : SPS ACCOUNT : XXXXXXXXXXXX Relationship ManagerSelect Portfolio ServicingXXXX UT XXXXDear CFPB : I have reviewed Specialized Portfolio 's Services ( SPS ) response to my XXXX 2015 complaint and find it inadequate. 

My initial complaints remain valid. 

Damages Due Withholding Funds Of BorrowerSPS has reported derogatory credit information on me while holding a significant amount of funds belonging to me since the transfer of my account servicing from XXXX to SPS. These funds were held due to an error by the XXXX servicing organizations. 

I am requesting compensation for damages to my credit and compounding my ability to refinance my home. Resulting from withholding this cash. How can you report payments when you are holding funds of the borrower? I was refunded over {$5000.00} in 2015 from SPS due to this error. These funds would have offset any delinquencies. 

An investigation by SPS and communication with XXXX will reveal this. 

Uneconomic and Unethical Mortgage UnderwritingMy mortgage payment of principal and interest is less than my local property payments. A simple review will reveal that this financing is uneconomic. 

Failure to DiscloseWhen I receive my initial mortgage and modification it was not disclosed that I would pay PMI insurance. I would like this payment eased. 


Damages Due to Property Tax Escrow MismanagementI don not pay my property taxes. My properties taxes are escrowed pay SPS. 
SPS has often miss calculated the tax escrow resulting in additional derogatory credit information and tax liens. 

Uneconomic Mortgage UnderwritingMy current mortgage payment after modification is much higher than my originalMortgage PI. Again this underwriting is uneconomic. 

I have applied for a review of this modification, which has been hampered by time lags on SPS, request for up dated in formation. 

I would appreciate your assistance in resolving this matter or directing me to a legal agency. 


Thanks. 

Sincerely, XXXX 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 2015-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX ENGAGED IN UNFAIR PRACTICE AND PATTERN TO DENY US FAIRNESS AND JUSTICE. THE XXXX COMPANIES HAVE MADE SEVERAL FALSE STATEMENTS AND PATTERNS OF OBSTUCTUIN OF JUSTICE. : " INDENPENCE FORECLOSURES REVIEW '' AGREEMENT HAVE BEEN VIOLATED FOR ( {$10.00} ) ... XXXX AGENTXXXX XXXX PREPARED A BREACH AGREEMENT FOR XXXX XXXX, XXXX XXXX XXXX XXXX FHA XXXX XXXX WITH ' '' UNCLEAN HANDS '' AT 5.875000 % .FALSE AND MISLEADING. 
AGENT XXXX XXXX OF SELECT POTFOLIO SEVERING, INC. WERE EMPLOYED AS SEVER WITH " '' UNCLEAN HANDS '' '' THE CONTRACT IS " NULL AND VOID '' AND " MOOT '' .THE CONTRACT VIOLATES THE " GENERALLY ACCEPTED ACCOUNTING PRINCIPLES ( GAAP ) ,18 U.S.C.///926C , FEDEERAL CRIME VICTIMS RIGHTS ACT ( CVRA ) TITLE 18 U.S.C.//3771, MANDATORY VICTIMS RESTITUTION ACT ( MVRA ) 18 U.S.C.//3664 AND THE FEDERAL MONDATORY TO VICTIMS OF CERTAIN CRIMES : TITLE 18 U.S.C.//3663 ( A ) ..IN A SIGNED AGREEMENT WITH THE UNITED STATES OF AMERICA ( DOCKET XXXX ; XXXX AND NO : XXXX ... MAKING US A VICTIM UNDER THE ''DEBT PEONAGE '' AND ''INVOLUNTARY SERVITUDE '' ACTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
My property was originally appraised at XXXX and I currently owe XXXX resulting in a loan to value ratio of 76.5 %. Nationstar mortgage is refusing to remove my Private Mortgage Insurance despite the fact that I 've exceeded the 78 % required as documented by the CFPB on their website here : http : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I sent a certified mailing to Nationstar Mortgage company and they received it on XXXX XXXX 2016. A XXXX XXXX signed for it per the returned certified mail documentation. 
This mailing pertained to a document they were supposed to sign for my refinance process. 
I have not yet received any return document in the mail from them. 
I have been in telephone conversations with various agents of Nationstar and no one can tell me about this particular document that I need to finish the refinance process in about 2 months, when it normally takes about one month to complete! 
My main agent is XXXX XXXX at XXXX. He has tried his best to remedy this problem with the head office and he says has had no luck. 
The main issue for me is that no one has contacted me with any information ( except for XXXX ) to let me know if there is a problem with the document or anything else!! 
I 'm just not sure what else to do at this point!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
On XXXX XXXX I qualified for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ - Program, and was supposed to be in this program for the following 3 years, with the option of getting a modification on my mortgage as soon as my financial situation change for the better. The program assigned an amount of {$38000.00} for my mortgage payments which was managed and disbursed by XXXX XXXX XXXX XXXX. XXXX made the payments directly to my mortgage bank XXXX, in the amount of {$1600.00} and I was advised to send a monthly payment in the amount of {$180.00} to XXXX XXXX. In or around XXXX XXXX XXXX sold my mortgage to Nationstar Mortgage Acct. By around XXXX XXXX I contacted Nationstar and communicate my desire to restructure my loan and to keep my property, in return Nationstar sent and individual to evicted me from my home, furthermore nationstar sent me documents offering cash for keys in the amount of {$3500.00} so I could re-locate, but this offer was never honored. I tried multiple vias to solve my situation and keep my property to no avail. By XXXX XXXX, XXXX I was out of my property afraid that I was going to be destitute, but no representing Nationstar ever showed up to get the house keys and full fill their cash for keys promise. My calls were never answer or return and my belongings were on its way to the other side of the country. By XXXX XXXX I started receiving calls from nationstar saying that the property was still mine. Short story, Nationstar Auction my home in XXXX and in XXXX XXXX I received a letter from nationstar stating that they were sorry for their mistake with no explanation of what happened or offer to compensate for their ineptitude and lack of professionalism

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
BB & T employees XXXX, Assistant Vice President, and XXXX, Retail & Small Business Leader, have independently and together colluded to ; obstruct the instructions given to me by BB & T Branch Banker, XXXX ; and, prevent the refund of bank fees to my account.

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 2015-11-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I had an agreement to resolve my loan via " deed in lieu ''. 
The loan processor required me to vacate on XXXX/XXXX/15. 
They with held assistance until XXXX/XXXX/15.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV

Complaint narrative:
For the last three months I have been working with XXXX XXXX torefinance my home. I had currently had my loan through XXXXWithout notifying me, XXXX XXXX XXXX sold my loan to Select PortfolioServicing, Inc. In fact when I opened the letter I thought it was a collectionagency, even though I knew my payments were paid it made wonder what wasup with this. I know that when a loan is transferred it is supposed to betransferred as it was with the previous lender. However, here is the problemMy property taxes are paid in my payment. When I called the new Loan companySPS they have not paid my property taxes. The representative stated thather supervisor stated that my loan was being analyzed and would not beprocessed for 60 days or more. In the mean time my taxes are not paid, eventhough I have paid SPS, and my new mortgage loan is put on hold becauseof XXXX XXXX XXXX selling my loan to SPS. Please help me with this matterI do feel I have not been treated fairly in many ways. thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I have a case with you is XXXX I receveid a letter from nation star saying tht I was missing documents when I had printed out from there site that all paper work was recived so what are they doing playing with my feelings all I ask is for me to keep my home iam XXXX XXXX XXXX and all I want is to lower my mortgage payment that there going to raise in XXXX to XXXX wich I can not afford due to the fact that I I lost my wife along are the papers that they send and the papers that I printed out from there web site that everything was completed please help me Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Complaint : Nationstar Mortgage Loan # XXXX Complaint Date Filed : XXXX XXXX, 2016, XXXX XXXX On Wednesday, XXXX XXXX, 2016, I received a letter from Nationstar Mortgage. The letter ( see attached ), dated XXXX XXXX, 2016, informed me of an updated Dedicated Loan Specialist to assist me. The name of the updated Dedicated Loan Specialist, XXXX XXXX. 

I have been working with XXXX XXXX since XXXX XXXX, 2016. Call and E-mail communication from XXXX XXXX, 2016, sent to XXXXXXXXXXXX : Follow up to my call and message I left on Friday, XXXX XXXX, 2016, XXXX Hello XXXX XXXX As per XXXX, Customer Relations Specialist, letter dated XXXX XXXX, 2016, CFPB Case Number XXXX, you are my Single Point of Contact. 
Please E-mail me detailed instructions for all needed paperwork for loan modification assistance, all documentation needed XXXX. 
Thank you! 

What does this letter mean? 
Why am I being informed of an " updated '' Dedicated Loan Specialist, when I have been working with such " specialist '' since XXXX? 
What is happening to my previously submitted documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX XXXX 2014 I sent a letter to XXXX XXXX XXXX, Chief Financial Officer of Bank of America requesting certified copies of " any and all documents '' relating to my loan ( see attached ). I received a response from XXXX XXXX, Consumer Advocate with Bank of America which contained several documents. None of the documents were signed or stamped by a notary or had any indication that they had been certified to be true copies of the originals. 

The documents indicated the ( original ) lender to be America 's Wholesale Lender/Countrywide Home Loans. There was no document advising that the loan had been transferred among the documents sent. 

On XXXX XXXX 2014, I again sent a certified letter to XXXX XXXX XXXX, Chief Financial Officer of Bank of America stating that the documents received had no indication that they had been certified as true copies of the originals. I also informed XXXX XXXX that there were no documents indicating compliance with Title 12, Chapter 27, Section 2605 of the USC. I again requested certified true copies of the original loan documents as well as certified true copies of the notification of transfer of the loan. 

I again received a response from XXXX XXXX, Consumer Advocate with Bank of America which contained the same documents sent previously. Again, there was no stamp, signature, or letter to indicate that the documents had been evaluated by a notary or other impartial entity and determined to be true copies of the originals. Again, conspicuously absent were copies of the transfer notification documents, certified true or otherwise. 

The nature of my complaint is as follows : Bank of America has violated Title 12, Chapter 27, Section 2605 of the USC. Specifically, Bank of America has failed to provided requested documents on more than XXXX occasion as provided for in paragraph ( e ), ( 2 ), ( C ), ( i ) of the above referenced code. Specifically, Bank of America ( and America 's Wholesale Lender/Countrywide Home Loans ) failed to provide timely notification of my loan transfer as directed in paragraph ( f ), ( 1 ), ( A ), ( B ), and ( f ), ( 3 ). 

Based on Bank of America 's inability ( or refusal ) to provide the requested documents, and coupled with the fact that Bank of America has been fined for 'irregularities ' in its handling of mortgages it is doubtful that Bank of America is in fact the legal mortgagee and that I am actually indebted to Bank of America XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 've contacted Equifax in writing multiple times requesting a correction for wrong/inaccurate information reported on my credit report, they failed to investigate the item carefully or verify it and they did n't correct the item either, I have all the proofs to support my claim and shows their violation to compliance with the FCRA. 
the item remains as a negative derogatory on my report, it 's negatively effecting my personal and financial life big time. 

the item information is the following : XXXX XXXX XXXX vehicle loan paid off and closed in around XXXX XXXX the negative reporting is : 30 days ' late payment 3 times XXXX XXXX, XXXX & XXXX of XXXX ). 
the negative reporting is : 60 days ' late payment 2 times ( XXXX & XXXX of XXXX ) I 'm negatively very effected by this matter as a consumer and I 'm asking the Consumer Financial Protection Bureau to protect my rights as a consumer and to take full and strong action against this company striping our rights by reporting wrong inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
Identity theft and foreclosure for a trustee that nation star mortgage said they were the owners. As per the trustee XXXX stated they were never the owner ever of XXXX XXXX XXXX XXXX tn XXXX so how can you assign the loan to yourself without the actual owner saying they were n't the owner ever?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
I fell behind on my mortgage after my payment increased from {$1800.00} per month to {$2400.00} per month. Basically I am on a fixed income. My loan is serviced by SPS and the owner/investor of my loan is XXXX XXXX. I was denied for a loan modification on XXXX/XXXX/2015 by SPS for HAMP 1 ( Denial letter attached ). The reason given was due to " excessive forbearance ''. However my attorney ran the exact same numbers given to me on my denial letter through the Making Home Affordable web site and it came back Positive NPV ( See attached copy of NPV ran ). My attorney states, I qualify for HAMP 1 and there is no reason they should not be approving me for HAMP 1. That SPS is acting as a co-conspirator for XXXX XXXX in BLOCKING/EVADING approving me for HAMP 1 on purpose. After my initial denial that had a false reason for denial, I re-applied again twice. Both times SPS denied me for HAMP 1 stating " Investor/Guarantor Not Participating '' and " HAMP-PSA RESTRICTION ''. So the first time they acted like they reviewed me for HAMP 1 and I did n't qualify. The next two times, they say the investor is not participating. I looked up online with the XXXX web site and it says ... '' If a PSA contains such a restriction ( HAMP PSA RESTRICTION ), the servicer MUST make " reasonable efforts '' to get the investor to waive the restriction. I do not believe SPS has made any effort to get XXXX XXXX to waive the restriction. My attorney states XXXX XXXX IS participating in HAMP 1. Bottom line is that I qualify for HAMP 1. XXXX XXXX is participating in HAMP 1. SPS is acting as a " bad actor '', " Co-conspirator '' in blocking/evading approving me for HAMP 1.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation