vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
Attached with this complaint there will be a letter of complaint, modification proposal documents, mortgage payoff statement, QWR letter that was sent to Nationstar, QWR documents sent to Nationstar, Nationstar response and envelope, QWR letter XXXX, and QWR documents to be sent XXXX. 
In brief I have been dealing with this mortgage matter for over 6 years. Due to stage XXXX XXXX that was diagnosed in XXXX 2007 that require XXXX treatment. Because I could n't work for a year I was encountering financial hardship. Due to the advertising on behalf of banks XXXX I inquired on the possibilities of getting a modification. I was at the time accepted by XXXX XXXX XXXX to enter into the process based on financial information and hardship letter. additionally, XXXX XXXX XXXX stated repeatedly " There is no reason the bank should n't give you a modification, your the poster child for the program and reason it was formed ''. From the onset and hence forward I have encountered deceptive lies, intimidation, and abusive unethical trade practices and getting the runaround on behalf of XXXX Nationstar Mortgage. I spent 2 years 4 months in the mortgage modification process, and basically another 3 years 10 months in the legal system. I was illegally foreclosed on, and therefore subjected to the illegal foreclosure mill process. Where the is evidence of robo signing, illegal assignments, transfers and double tracking. I 've been through and FED eviction trial and have had to file for an appeal. The case is now in the Oregon Court XXXX. At some point the foreclosure was rescinded and am now being a modification with excessive, advances and expenses. 
I would greatly appreciate your help with this matter in determining the truth, ownership and history of my loan and a just resolution to all the pain and suffering that has affected my career, physical, mental, spiritual, and financial wellbeing beyond any level of comprehension.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
On many occasions Nationstar Mortgage has been unprofessional and disrespectful towards me. I was XXXX military and XXXX ( XX/XX/XXXX ) when they bought my loan from XXXX XXXX XXXX. I had never had any issues, was never late, my monthly payment never changed. When Nationstar took over they had been cashing my monthly payments and applying the funds to another person account that only had the same last name! On my credit report, due to their incompetence, I had negative hits for 6 months showing I was delinquent. I came home from XXXX to find my mail box full of foreclosure threats. To this day ( XX/XX/XXXX ) I still have the negative remarks because they have refused to remove them saying I should have been following up on my account even though I was in a XXXX! Once being home and making my payments to them my amount started changing and they would n't apply the money I was sending because it was short. My monthly payment increased by almost XXXX and no one could tell me why. They would never contact me telling me my funds were short and I would n't find out until the next month 's statement. I received negative hits on my credit again and again they refused to remove them. I just sold the house and the title company sent them the amount they said we owed plus 3 days of additional interest funds just to be safe. Days later Nationstar called XXXX XXXX XXXX left a voice mail stating that the funds were short XXXX. When myself and XXXX from XXXX called them they said the payoff that was sent was more than enough to cover the payoff in their system and they were unsure of the XXXX. I refused to pay the amount until I was notified of a breakdown describing what the extra charges are for. Nationstar has refused to tell me what the extra charges are. They refuse to let us talk to a supervisor. They refuse to put in writing that I wo n't be charged the extra daily interest fees that are accumulating while they 'straighten out this matter '. It is now 10 days past our closing date. Nationstar refused to apply the fund towards my account until they figure out the extra bogus amount and have now returned the payoff funds to XXXX XXXX XXXX. The following email is attached from the President of XXXX XXXX XXXX validating my complaint, an email from XXXX XXXX at XXXX XXXX XXXX showing the amounts and Nationstar 's additional fees being requested, and the payoff sent by Nationstar. All backing my complaints with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I have submitted numerous loan modification packages to Nationstar Mortgage and keep receiving requests for additional information even though Nationstar has received complete packages. I do not have a specific customer relations manager assigned to work with me. When I call I am transferred to whatever worker is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: DC

Complaint narrative:
A letter dated XXXX XXXX, 2016, from Nationstar Mortgage stating that ( XXXX ) I 'm currently behind on my payments which put my mortgage at risk. ( 2 ) It 's important that you contact Nationstar immediately before the foreclosure review process is initiated, which could lead to loss of the property. If you are interested in an option that would allow you to leave the property and avoid foreclosure, the Mortgage Release Program below can provide a graceful exit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My mortgage was sold to Nation Star Mortgage servicing by XXXX XXXX XXXX ( XXXX ) After the mandated settlement with th US XXXX, Bank XXXX sold my loan. I have no chance of negotiating with XXXX XXXX XXXX - directly. XXXX purposely removed itself of responsibility once it settled because - the settlement did not require that XXXX keep the troubled mortgages -- THIS IS CALLED A LOOPHOLE. all the while hopeful homeowners were waiting for stipulations from the multi milllion dollar, XXXX sold our loans.Therefore once again finding a loophole to beat the system and not pay money back of help the consumerI have been trying to negotiate a reasonable mortgage payment since 2009.I have never accomplised the goel. 
XXXX bought my loan from XXXX in 2009. Realistically XXXX will never negotiate my mortgage because Bank XXXX XXXX in New York is true owner of my loan and multiple investors. Instead XXXX continues to lie year after year. 
This information is sent to XXXX credit reporting agencies and my credit score is very, very low. You see, I stopped paying the mortgage about 4 years ago because fo financial hardship. The payment that XXXX offered me as more than I was paying before I stopped paying them. 

Recently, I have rec 'd a letter from XXXX of Nation Star 's group of lawyersthreatening FORECLOSURE now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have signed the auction agreement with the lender and they promised the will help to short sale. However, it look like they just want to foreclose my house. I have been complying with their request. The lender forced me to sign all the letter and agreement to list the house with XXXX to avoid foreclosure but end of nobody auctioned the house with their ridiculos price. Then they came back and said the current buyer must counter with higher number. But they cant and lender told us they will foreclose our house. It look like they never respect what they request and help consumer. They discriminated my hardship and being ridiculous on selling price

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
My monthly mortgage went from {$480.00} to {$870.00} over the past two years. I have a fixed interest rate loan and the mortgage company listed the extra money due as Escrow for insurance and taxes. My property taxes are less than {$400.00} a year. I have called the lender numerous times only to get transferred to the " correct '' department that places me on hold for over an hour, then disconnects. This happened over the course of two days and more than XXXX phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I entered into an agreement with Regional Acceptance in XXXX to finance my car. I did not realize that the cost of this loan would be more than double the cost of the car ( and I do take responsibility in not reading the paperwork fully prior to agreeing ). I recently noticed when reviewing a few statements that the way things are being done will cause me to be paying for more years. For example, XXXX XXXX my balance owed was around $ XXXX and XXXX XXXX my balance owe sits at around $ XXXX. So after paying $ XXXX monthly in 3 years my balance only goes down about {$1500.00} per year? This is scary! I am a single parent already struggling and I definitely need my car to keep working. I do appreciate the company working with me since I fell behind on payments after losing my job of 15 years and I am still working towards getting back on my feet. But I am so confused as to how it is taking me so long to pay off my car since XXXX. I was only able to pull up my statements starting from XXXX XXXX to recent. I do not have anything before XXXX XXXX. I am really trying to understand and grasp the best way for me to get out of this hole. Again, I do not want to cause any uproar because I truly need my car to live and I am trying and pushing on a monthly basis to pay the monthly amount but at this rate it looks like I will be paying for 5 more years. How is this possible?

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 2017-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
on XX/XX/2016 we was told by a guy that came to our front door that our loan on our home was sold, to nationstar mortgage, and was told by this guy that he was from XXXX and he would collect XX/XX/XXXX payment, we gave it to him, he gave us paperwork from nationstar that our other payments go to them, he left and we called nationstar the guy on the phone said yes, and that we didnt half to make a payment for 90 days because they dont have our loan yet, but later found out we was told wrong by him, now were in forecloser because of this., and was told by supervisor later that she was sorry he told us wrong, and that they would fix this, to file another loan modification to fix this problem, but was denied because was given one by XXXX in XX/XX/2016,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
After I submitted a complaint on XX/XX/2017 ( complaint # XXXX XXXX, Nationstar Mortgage said : Put my trustee sale " on hold ''. In fact, the trustee sale scheduled for XX/XX/2017. This is not on hold. It is on schedule. When your property is on auction, the public bombaded you by mail, by phone and by physical ( pound the door ). On XX/XX/2017, I sent a request to Nationstar to remove the sale from their calendar, I do not receive any response. This is a double cross ( Dual tracking ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
XXXX XXXX, 2015 received notice from XXXX XXXX XXXX that servicing of my loan account number ( XXXX ) would be transferred to Nationstar Mortgage new loan number ( XXXX ) effective XXXX XXXX, 2015. The letter also related that the transfer " does not affect terms and conditions of the loan. '' XXXX XXXX payment was sent to XXXX XXXX XXXX and forwarded to Nationstar, no issues. 

I then received a letter from Nationstar on XXXX XXXX, 2015 detailing a principle balance of {$80000.00} with an interest fee of {$460.00}. The principle balance was correct as far as the transfer goes but the {$460.00} interest fee was a clear error ; given the APR and amortization table the first payment five years ago was not this much interest. 

On XXXX XXXX, 2015 I telephoned Nationstar 's customer service line to clear up the discrepancy. The customer service representative told me that he sent a form that explained I demanded an explanation of the interest fee. 

Also on XXXX XXXX, 2015 I mailed a letter following the process to dispute the validation of debt ( {$80000.00} + {$460.00} = {$81000.00} ), and to ensure all my bases were covered. 

Yesterday, XXXX XXXX, 2015 I received a letterRE : FHA Case Number : XXXX Loan Number : XXXX Payoff Requested : XXXX XXXX, 2015It was a mortgage payoff statement. 
It is my belief that Nationstar Mortgage received my dispute and instead of correcting their mistake is intentionally misinterpreting my letter as a request for a mortgage payoff statement. 

I also computed the math on the Mortgage Payoff statement that I received and the discrepancy still exists in the amount of {$390.00}. 

Thank you for your assistance it is greatly appreciated. 

Sincerely, XXXX XXXX & lt ; Copy of Letter sent & gt ; Loan Number XXXX XXXX XXXX XXXX XXXX, CO XXXXTo whom it may concern : I dispute the validity of the total debt {$81000.00}. 

I received correspondence from XXXX XXXX XXXX explaining that my mortgage was being transferred and the terms would remain the same. I also received correspondence that the principle balance at the time of the transfer was {$80000.00}. 

I was on hold with one of your nationstar representatives for XXXX plus minutes to uncover the discrepancy without an answer. If it is your companies ' contention to steal money from your customers I will be notifying my congressman and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
Was told I could be helped to refinance my property. I was never ever late but facing overwhelming debt and taxes owed by ex spouse and and SPS services left me facing worse situation. They told me to switch my bank loan to them which was perfect credit and then promised to help me.. SPS told me I had to miss a payment so I would go into foreclosure so they could continue to help me..but the reason I even applied for help was to avoid foreclosure!! I was trying to avoid foreclosure as they promised they could lower my payments. I thought it was awful they told me to miss a payment.. Even though I had never been late.. 2years of XXXX with them caused me to lose a rental property I had since 2002 for retirement income as SPS as I am close to XXXX ... I needed the property income. They made the situation worse, my renter moved out and nobody wanted to move into a property that now was possibly going into foreclosure!! and so then to try to save my credit I desperately had to try to sell the property and even when I found a CASH buyer to buy full price they waited 4 months and finally let me sell after pleading with them to please take the offer. They did but only after charging me tbousNds and thousands of dollars to them! I never got ANY help just pure XXXX!!!! The address listed is the property address that was sold. I never got the help they offered only a lost rental for income and had to pay them thousands at the end!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I have vehemently contested the wrongful foreclosure of my home by XXXX XXXX XXXX since XXXX 2012. Notwithstanding, the lawsuit I filed on XXXX XXXX, 2012 is currently pending in the XXXX Circuit Court of Appeals. 

I have filed complaints with the CFPB, HUD Inspector General, and the Courts. 

However, while the lawsuit is pending, XXXX XXXX XXXX has transferred the servicing of a zero balance loan to Nationstar Mortgage to collect. 

XXXX XXXX XXXX has never tried to collect any debt from me after the foreclosure sale of the property on XXXX XXXX, 2012. 


I 've attached documents to substantiate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
This is the third time I am reporting Nationstar mortgage to the consumer protection agency. My track record on payments have been bad due to XXXX layoffs and most lately expensive medical tests for my XXXX year old father, who lives with me. I am XXXX in arrears. I have tried to catch up by paying them {$1000.00} on XX/XX/2015,XXXX on XXXX/XXXX/15, XXXX on XXXX/XXXX/15 all of which has been returned to me with the explanation, that is was not enough. I just sent Nationstar, on XXXX/XXXX/15 a check for more than half of what I owe, {$6000.00}. I fully expect it to be returned to me. Then I will receive a letter from the prevent foreclosure dept. offering help in keeping my house. I need someone to take them to task for not working with me the way that they should. I am trying to get caught up to no avail. Please see if there is anything that you can do to help. Your involvement in the past has helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been trying to get help from Select Portforlio 's loss mitigation department unsuccessfully. I fell behind on my mortgage payments and requested a loan modification or any useful method to avoid foreclosure. Unfortunately, SPS has not reviewed my updated loan modification request without bias.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
XXXX does n't have my information right like XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XXXXI applied for a refinance mortgage with Quicken Loans XX/XX/2015.I was told that there could be a charge of {$500.00} dollars when the loan was approved at a later date. I faxed them the information they requested on three different times, each time XXXX plus pages. Each time I would receive a call it would be from a different person in a different part of the country. within days of applying they took {$500.00} dollars from my XXXX XXXX credit card. When I called to find out what the charge was for, I was told it was for a credit report and an appraisal which did not happen at that time. I asked why was AN Appraisal being done since the add on the TV says they hardly ever need one. then I started getting calls from different people asking for more information, some that I had already sent. Then I was told they had everything and it would be closing within days. A day or so later I got a phone call from yet another person asking for more information. At that point I made XXXX phone calls to XXXX different people telling them to Pull the Loan that I was not going to try any longer to get the loan. I also sent a Fax to another person stating the same thing. then I started getting Phone calls from several different people trying to change my mind. I asked again about returning my {$500.00} dollars and received several more calls still they were trying to move forward with the loan. One of the calls they talked to my wife and told her they would return {$250.00} dollars.Then today I received another call still trying to move forward with the loan asking me what they could do to { fix } things. when I told her that it was pulled and I was told I would get {$250.00} dollars back she said that I would not get anything back. After a lot of talk she said I would get {$130.00} back. I am so angry with everyone at Quicken Loans I just want my {$500.00} dollars back and get them out of my life .They changed their story so many times I do n't know what to believe and I do n't think they act very Professional at all .They say in their TV add that they close in 30 days on most loans and my loan was not difficult at all and we were not close to closing as they still wanted more information. Thankyou for looking into my problem

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I applied for a loan modification with select portfolio who is my mortgage company.. we were approved for a modification however the amount that we are being charged is outrageous, we currently owe XXXX dollars and the terms of the modification increases the note to XXXX dollars. we contacted the company and were basically told " take it or leave it '' We were led to believe that we applied for a modification to improve our circumstances not worsen them. We were given a timeline of XX/XX/XXXX to either accept or decline the offer.

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