vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I was released from Chapter XXXX Bankruptcy on XXXX XXXX, 2016. Nationstar Mortgage Bankruptcy Dept. refuses to release two loans I have from their Dept. and start sending me statements. I have not received a statement in 5 years. I have called them 5 times, every time they say they will take care of it and here we are 5 months later nothing has happened. I have not received end of year interest statements either which I need for my income taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar mortgage bought my loan from Ocwen loan and it 's been nothing but trouble ever since. I have never made a late payment on my loan in 13 years. Suddenly this company takes over my loan and starts treating me like a deadbeat calling me morning noon and night to tell me they have not received my payment-TWICE the representative found the payment while on the phone with me and I still got ANOTHER call that same night telling me my payment is late. They also can not explain to me why my escrow payment is higher ... not a good sign. Then they call to sell me more products all the time-very disruptive. I 've never had a problem with my XXXX XXXX Bill Pay payments being received late yet these XXXX just ca n't seem to match up account numbers with money-they have no customer service standards whatsoever. So, they want to complain and harass me about my payment being late yet tell me that they want to sell me more products. I do n't get it. I wish they 'd never bought my loan. There are a lot of complaints out there about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, Thank you for responding. 
I am attaching the XXXX XXXX XXXX suit that XXXX XXXX group prepared for us in their findings on our loan history. 
They had proved mortgage fraud, but it seems like no one can get anything done in XXXX in behalf of the consumer. Our loan was illegally pushed by XXXX XXXX XXXX. The property appraiser that worked with XXXX XXXX was arrested for over appraising homes, to push and get loans approved for XXXX XXXX. XXXX bought the loan and would never really work with us for a loan remodification they just went through the motions. They had XXXX different offices in XXXX states within XXXX that sent us XXXX sets of fees and tacked them on to our loan creating a bigger mess. When we first applied for a loan remodification the representatives at XXXX financial had said they would work with us. We kept getting request for the same paperwork package three times not realizing that they had XXXX different offices within the same corporation in XXXX different states working on the same loan remodification. After they told us we did not qualify they tacked on all the back fees to our loan from XXXX different applications so it was times XXXX because no one from their company was communicating with anyone else. When I started to complain they sold us to XXXX. We found it so frustrating and wondered how they could get away with this. My wife XXXX and I then tried through the XXXX XXXX XXXX to get help out of XXXX, to see if through them, we could get results. In the beginning they put us through the process of applying for the loan remodification. When the XXXX XXXX group pressed they sold us again to SPS who decided to tenaciously hold ground and not help us. We found out later that XXXX owns both XXXX and SPS, How convenient. After XXXX XXXX XXXX proved Mortgage fraud committed by the banks which I have sent the prepared custom Lawsuit in an attachment to you XXXX XXXX XXXX gave up and said that because the Banks were not cooperating the only alternative was to sue. Since all this we had to pay back all fees and try to catch up the loan so as to avoid foreclosure. 
The banks are playing games with the consumer and the Federal Government and we are desperate to get help. If we had not been granted the refinance on our home loan that XXXX XXXX wined and dined us to process and get us to sign for, we would be only a year and a half from our loan being paid off. We felt stupid that we let the mortgage loan officers from XXXX talk us into thinking this was the right decision for us. 

Again thank you so much for even just a response. 

Please help us, XXXX XXXX XXXX XXXX. 
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 2017-03-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Due to several complaints regarding Champion aka Nationstar mortagage, and XXXX i have received documents from both companies. After reviewing the documents there are excessive red flags from different interest rates, loan amounts, to fraudulent signatures with different dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
My loan payment was adjusted by my lender due to a new escrow account analysis. I did not receive this analysis or notice of the new payment. My payment history is excellent. My normal payment was made in XX/XX/XXXX but was less than the new payment amount so the lender put it into " unapplied funds '' and sent me a delinquency notice. I promptly made an additional payment and the account is now current. My request for refund of late charges and interest has been denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
It most recently came to my attention that M & M ( Merchant Medical ) released false information to the credit bureau for a debt that I do NOT owe. In XX/XX/XXXX I was a student at University XXXX and had an outstanding debt. Once the debt came to my attention it was paid promptly directly to University XXXX. Weeks after this I was contacted by the collection company. I advised them that the phone call to me had to be in error because the debt was paid in full - ( {$250.00} ). They questioned the validity of my conversation. I contacted U XXXX and informed them of the call that I received. I was told to disregard because my balance was XXXX. XX/XX/XXXX I call the collection company and was told that the credit bureau had placed this on my report and that they had nothing to do with this, which is false. I was told that they would issue a letter of retraction and facilitate have the information removed because it was false. As of today, I have not received a letter and I 've verified that is not removed nor is there a request submitted from Merchants and Medical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: KY

Complaint narrative:
I had a bank account with Bb & t Bank. In XXXX Ky. They overdrafted my account by charging me a monthly service fee. I had the account for multiple months and was never charged it before. So of course I refused to pay it so now they have me blocked in the XXXX and showing up on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
HelloMy name is XXXX XXXX XXXX XXXX. I have submitted documentation to the BB @ T escrow dept XXXX to adjust my taxes and they still continue to refused to do so. 

The first time they wanted me to write a detail letter of why I was disable. ( this violate the health care privacy act ). When I told them I was n't going to give them this information they said they could not guarantee my form being processed. 
For the second time today I spoke with XXXX XXXX and I explained to her again that I was XXXX Total and Permanent and that I needed my taxes adjusted. SHE REFUSED TO DO SO.. 
BB @ T keeps asking for the same documentation that I have already sent them and then they say that it is n't sufficient. 
I spoke with the XXXX County Tax Collector Office and I was told that the document they provided me is what needed to make such adjustment. 
I was also told that the XXXX County Tax Collector 's Office that Banks in general were giving disable VETS a hard time in accepting this form that shows their tax information. 
I think someone should look at this issue. No Veterans should have to endure this kind of abuse from any institution. 

This is n't just for me but for every Veteran up there that has to deal with abuse and non sense daily. 

Included is the documentation that has been fax to them XXXX since XXXX with no positive result. 

Ps This directly violates Federal Law found in the Federal Registry Of Regulation. 

Please get the word out. I know I am not the only dealing with this abuse. 

Thank YouXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Nationstar Mortgage withheld money from my monthly house payment to fund an Escrow account from which they are to pay property taxes. They used the funds from my account to pay taxes on someone else 's property - landing me in collections with the XXXX County tax department. They have since paid off the collections, but are showing the additional amount as being part of my payoff amount ( meaning they are charging me XXXX for property taxes ). When my attorney and I have requested that they update the payoff since it was not my error, they are not helping me. They have told me they have to wait for the refund from XXXX County. When I contacted XXXX County, they advised me they do not refund mortgage companies for issues such as this. They said the mortgage company has to request the funds from the owner of the property that they erroneously paid. Nationstar is now saying they did not make a mistake. My attorney has documentation showing the issue and that I am being penalized for this, which is making it impossible for me to refinance my loan to a lower interest rate ( this is how we noticed the issue ). I have spent literally hours trying to get this resolved - many times being disconnected and given incorrect call back numbers or numbers that route to the wrong department. I also gave each of the representatives my call back number and no one has called me back. I left several messages with XXXX in the tax department and she never returned my calls. I want to move my loan from this company ( which could be accomplished through a refi ), but they are showing me as owing {$6000.00} more than I should, which means I would have to come out of pocket and hope for a reimbursement at some point.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
My mortgage was sold to Nationstar - they never rec'd the XXXX payment at the time of the switch- they didn't tell us until several months had passed and they started applying payments to the prior months and demanding we pay XXXX the amount due to catch up - meanwhile tacking on late fees every month.  (I finally did to shut them up)  They also have billed us XXXX for an alleged drive by to see if the house was occupied (despite getting mail from us at this location and not having any of their mailed statements returned by the Post Office.  Most recently, they started sending me electronic statements (WHICH I NEVER REQUESTED) - at first, I thought the statements were just lost- after a couple of months, I realized it wasn't me but rather Nationstar was up to their old tricks.  I sent in payments when I thought they were due... I never was able to confirm status.  XXXX payment was missed- again - they started applying payments retro-active and never communicated with me until I CALLED and Nationstar had applied late fees again. XXXX times- they report me as deliquent to the credit bureaus and accept no responsibility.  I've sent an email advising do not call b/c now they have started calling- XXXX day, XXXX times- XXXX of which were 15 minutes apart.  This wakes my husband who works night shift.  They have called XXXX yesterday and XXXX today despite having sent the do not call notice.  XXXX day - I spent over an hour on the phone with customer service with no resolution - the only way to get resolution is to make nasty posts on XXXX which prompts them to follow-up and respond or else they know you'll keep posting.  The internet (including XXXX is FULL of negative comments about this company.  I am honest in my banking - if you look at the prior 20plus years of home ownership, I never had a problem but now with Nationstar, I have nothing but trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In XXXX, I sold my home in a short sale. The XXXX mortgage was through XXXX XXXX XXXX. The house sold, and XXXX released the lien. However, Nationstar picked up the XXXX mortgage shortly after the house sold. They came after me in XXXX, and at that point I spent a great deal of time collecting paperwork and sending them information showing the debt had been cancelled through the short sale. I received a letter from Nationstar in XXXX of XXXX saying that the lien was released prior to the transfer date and that the account was updated and closed. ( They also wrote that they would not report to the credit bureaus. ) I thought we were finished. However, in XXXX, I started to receive certified mail from Nationstar asking for the debt. When I redirected them to their own letter, they stopped sending me mail. However, now I am doing a refinance to save interest on my new house, and my lender cant help me until Nationstar sends me a letter of deletion. Ive been trying to get them to give me a letter of deletion for a month. I get the run around every time I call them, and talk to a new person every time who has no knowledge of my loan. They have lost XXXX of my faxes and XXXX email. They have kept me waiting on hold for 30 minutes at times, only to have the call dropped or to reroute me to where I began. They have never been able to give me a manager or a supervisor. They are always NOT at their desk or on another line. (??? ) I have spent hours ( and I truly mean hours ) of my time trying to talk to someone who can solve my problem, only to end up where I began. To say Im stressed about this is an understatement. Now my husbands car is damaged, and I need to buy a new one, but with my credit damaged by almost XXXX points, I cant try to get a car loan until this is resolved. Please help me. From what I can see online, I am one of many hundreds who have been treated this way. I have spent money on faxes that were never received. I have spent HOURS of my time waiting on hold, scanning, faxing, and emailing them. I am now a XXXX car family because I dont want to get a loan for a new car until my credit goes back up ( and Nationstar is what has damaged my credit ... when they went away in XXXX, my credit was good and we bought our current house. Now I cant even refinance my house until the derogatory information is removed from my credit. ( This is costing me approximately XXXX a month in higher interest fees and higher PMI fees. ) I am also incredibly stressed out and am taking time off work since I am a teacher and cant sit on hold during my business day. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
I would like to know who is asking for loan modifiation on my behalf and pretending to be me? And how can offical federal documents be invalid? It sounds to me that you company is refusing to investigate by documenting invalid info. I want the info your documenting on my behalf with in the time frame you have had the loan and confidential documents wo n't work. You say you have me requesting stuff prove it. Because right know i have your company documenting stuff I do n't say as well as using it in validly to file false paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
My conventional mortgage was serviced by XXXX NJ. In 2015 the mortgage was purchased by Nationstar Mortgage, XXXX XXXX. XXXX, XXXX, TX XXXX. 
Nationstar requested proof that I had homeowners insurance but sent the request to the wrong address. When I sold the home in XXXX, 2015, Nationstar was given proof of homeowners insurance but withheld {$2600.00} as supposed premiums they had to pay. Since XXXX, 2015 I have attempted numerous times to get Nationstar to refund the money but they have obfuscated and confused the issue by requesting additional information which I have provided. 

The Loan Number was XXXX Their Research Reference number is XXXX Nationstar continues to send computer-generated letters stating : ... '' at Nationstar, we take your concerns seriously. '' But in reality they do not. These letters all contain the statement " We [ Nationstar ] will respond by [ fill in the date ]. Of course, they never do. 
This has dragged on long enough. Nationstar owes me {$2600.00} in a payoff overage. 
Please help me to receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
AfernoonMy nameis XXXX XXXX XXXX XXXX XXXX XXXX, florida XXXX I have filed a complaint in the website before. About the mortgage company which auction off my home without notifying me. I filled a motion at the courts for the mortgage company to address the injustice which they have done to me and many home owners. receive a letter from XXXX XXXX reference XXXX. CFPB case Number XXXX the mortgage company has not helped me now i have receive a letter from the court that ( Defendant objection to foreclosure sale and motion to stay final judgement pending appeal is hereby overuled. The Clerk of court is directed to issue the Certificate to Tile to Deutsche Bank trust company americans as trustee for XXXX Pass through Certificates XXXX on order at XXXX County, florida XX/XX/2016 is XXXX XXXX. I NeVer received any documentation to appear at court on any hearing i was not notified this was illegally done. through the lawyers, court, ( this is the address for the bank lawyers XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX ( XXXXXXXXXXXX ) Now i am in a situation school will be starting XXXX XXXX for my children and i XXXX not have a home for my family. XXXX letter states that no later than XX/XX/XXXX they would reply to me and inform of the status of assisting me they did not send me any notification of any help. XXXX letters states that our goal is to provide a response no later than XX/XX/2016. we have not received any notification from them until today XXXX XXXX we have received the Objection letter from the court ( Ordered and Adjudged ) defendant 's objection to foreclosure sale and motion to stay final judgement pending appeal is hereby OVERRULED ) the clerk of court is directed to issue the certificate to tile to deutsche bank trust company americas as trustee for XXXX pass through certificates XXXX Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
Champion mortgage foreclosed on my father 's home under a reverse mortgage and refused to deliver the excess funds to his estate after the sale. I called Champion and the representative assured me that Champion is entitled to keep these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
In reference to case number XXXX, you have closed the case although BBT gives me the run around and does not answer to charging {$36.00} per item when I opted out of the overdraft protection. In my view, you did a poor job. I did not report this to you so that you can compile statistics, I had hoped to get redress from the bank for abusive practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I was working with Quicken Loans for the loan I was trying to obtain. They approved it and ask me to get an appraisal on the house. After this was done Quicken denied the loan. I asked about a refunds on the appraisal and they denied it. According to them it was a service provide that is non-refundable. I was not told this upfront only after everything was done. Now I want to used another lender and they mentioned I might have to to another appraisal done. I am very displeased because this is money coming out my pocket and its not cheap.

Company response to consumer: Closed with monetary relief