vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I am a XXXX veteran of the XXXX on a fixed income. I proudly served my country as a XXXX, and was able to take advantage of the government VA loan program to purchase my home in 1998. I am contacting you to file a complaint against my current mortgage company Nationstar, who is pushing me into foreclosure. The problem started when the loan ( which was originally with XXXX ) went to XXXX XXXX XXXX after XXXX went out of business. I had an affordable payment and escrow set up and had no problems. However, after XXXX got involved they decided that they had to have their own insurance on the loan which was much more expensive. They essentially made me switch to their force placed insurance. Being on fixed income this created a problem for me. I hung on for quite some time and tried to get XXXX to accept my insurance but they refused ; it did not make any sense because that insurance had been fine for over 10 years. It seemed like XXXX XXXX XXXX was getting a kickback or something by pushing me to change. 

Eventually the well was dry and I started missing mortgage payments and the loan went to Nationstar. I have been trying to get Nationstar to review me for help. They told me that they could not help me because my income was just a little short. So I decided we would rent out a room in our house in order to qualify for help with this loan. I have since been trying to get Nationstar to take a look at our current financial situation but have not made any progress. They do not seem interested in helping me, I talk to a different person every time and nothing has happened since I told them that I have a higher income. It seems to me that they are more interested in foreclosure instead of trying to work this out with me. I feel that I deserve better, and I know that there are government programs set up to assist vets with VA loans and I believe I qualify but Nationstar is not giving me a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
XXXX XXXX is listed as a petitioner for the XXXX AS TRUSTEE SURF XXXX XXXX in a order for foreclosure of my property at sale for XXXX XXXX. ADDITIONALLY I SEE NOTHING LINKING XXXX TO XXXX AS A DEBT COLLECTOR. 

XXXX XXXX is a employee of a debt collector firm and is not associated with XXXX or XXXX. 

THE DEBT WAS disputed in XXXX. Servicing transfers give XXXX no right to pursue foreclosure. XXXX never reported this alleged loan to its shareholders for 8 years until XXXX sued me. 
XXXX is pursuing foreclosure for XXXX AS TRUSTEE of SURF XXXX XXXX,. there are several very illegal issues here and I face losing my homestead due to the lack of consumer protection in the non judicial foreclosure process in XXXX county. THE deed of trust is void due to the failure .assignment into a securitization trust occurred after the trust 's closing date so any subsequent alleged transfers were void and done to harass me and to try to perfect something that did not exist. 

FIRST - The debt was discharged in XXXX and XXXX - then a " servicer '' was granted relief from BK and in their petition attached there i no record of XXXX at all because it did not exist. the assignment recorded in XXXX may pass texas law for late file claim but it was done to fraud the court. It did not exist in a prior XXXX copy of note received in XXXX. 

THIS is discharged debt and void deed. The failure to take action through XXXX servicing transfers and 9 yrs is an extreme abuse as none of the servicers could provide a payment history of any kind. 

Back when XXXX had " servicing right they acknowledged there were no records from XXXX on any payments yet could not explain any change in loan amount of principal to the amount they claimed. 

the SEC cutoff date for submission to the trust was XXXX XXXX. NOW 10 years later a debt buyer is attempting to associate himself with a valid claim and has violated FDCPA rules against attempting to collerct a debt from me with dozens of statements claiming I owe past due payments. By failing to provide proof of claim. by executing a fraud assignment with XXXX XXXX XXXX when neither was a party to any alleged note and by continued property inspections of the home i live in for 20 years. 

They have reported to credit agencies a deficiency when none exists.

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: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX foreclosed on my property. XXXX XXXX XXXX never sought to collect after the foreclosure sale. 

Now, four years after foreclosure sale, Nationstar claims I am {$110000.00} in arrears. 

I have been litigating with XXXX XXXX XXXX since XXXX XXXX, 2012 to enjoin a wrongful foreclosure eviction. The case is currently pending in the XXXX Court of Appeals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Nationstar is the servicer on my loan and makes payments from the escrow it holds for taxes and insurance. 
My insurance agent sent on XXXX/XXXX/XXXX a certificate of insurance for XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and an invoice in the amount of {$4300.00} ( copy enclosed ). This invoice was not paid by Nationstar until XXXX/XXXX/XXXX ( proof enclosed ). In the interim period on XXXX XXXX, XXXX Nationstar issued a check number XXXX on a false and fraudulent invoice to a XXXX and check cleared XXXX/XXXX/XXXX. I finally got this payment information from Nationstar on XXXX/XXXX/XXXX after many calls and complaints. I was also given the policy number XXXX and the general phone number for XXXX XXXX XXXX ( XXXX XXXX XXXX and the accounting department XXXX XXXX XXXX and told to contact them for a refund. I have contacted that number and been told that the agent is out of the office and will return my calls. I have also requested from Nationstar a copy of the certificate of insurance issued by XXXX XXXX for the period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and none has ever been produced. 
I only became aware of this double payment when I was doing my income taxes for XXXX in XXXX XXXX and noticed on the prior escrow analysis ( copy included ) that Nationstar paid out of escrow {$4300.00} in XXXX XXXX and {$4300.00} in XXXX of XXXX. I had never received any notice from them regarding my property insurance after they double paid. Basic escrow management of insurance disbursements were ignored in a negligent manner. If I or my insurance company had been notified in XXXX of XXXX regarding this double billing we would have solved it. Since this double payment was a result of their negligence to follow basic requirements I should be reimbursed for their error and proper adjustment made in their procedures to avoid having this happen again. I have no idea who this XXXX XXXX XXXX is and never authorized their coverage. Nor should it be my responsibility to unwind their error and seek the reimbursement myself. 
This sloppy management gives my concern that Nationstar has far wider problems with servicing their loans and escrows and should be investigated further to get at the source of this mistake and if this is a systematic source of fraud.

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: CA

Complaint narrative:
I worked in the mortgage industry for over 20 years. In XXXX I purchased our home doing a XXXX with XXXX of XXXX, at XXXX Interest only, and a XXXX and XXXX for XXXX XXXX. Like everyone else I thought everything was going to be great. In XXXX the industry as you know took a great hit. Our value in 3 years dropped from XXXX to XXXX. I was underwater. I worked for over 2 years trying to get my Modification with XXXX. Always the same excuses and threats. They would lose paperwork and force me to start all over again. This was very distressing for me and my family. I spent countless nights XXXX. I then filed BK in XXXX XXXX. 
One morning I decided to give up. I contacted the bank and offer to do a deed in lieu with them. Two weeks into the process, the bank asked me to once again apply for the Mod. I did so without adding or taking away any information from my Modification application. A few weeks later I was approved. Very grateful, we agreed to the mod. My XXXX and XXXX forgave the debt I owed them and re-conveyed their deed. The BK protected me from any of their write offs. My balance with the bank was XXXX before the mod, but now is over XXXX. There was principal forbearance that added as a balloon payment in the amount of right around XXXX. My interest bearing XXXX was reduced to XXXX, but at the end of the day there was no real principal reduction. Sure the XXXX and XXXX was removed, but I still have a ton to pay. Once the modification trial was complete, they transferred the loan to Nationstar. I am grateful to XXXX for giving us the help we needed to stay in our home, I would only ask that they forgive the amount that was on the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Nationstar is the worst mortgage servicer in the world. They should be shutdown. Every time I interact with them, they mess up what they are supposed to do with my money. I just recently went on their website and processed a purchase and coded it as an extra escrow payment, and they coded it as a principal payment. I now have to call them and go through their terrible customer service to have them apply it to escrow. They will then lower my payment instead of just adding it to escrow, and I will have to have them run another escrow analysis. They will then send me a check that I do n't want. I will then attempt to send them back the money since I want it in escrow and they will mess that up again. The circle continues this way with no end in sight. I have contacted you before on their incompetence and nothing is fixed with this company. When do you plan on fining Nationstar? When will they be shutdown? Can you force them to switch me to a mortgage servicer that knows how to service a mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I had a mortgage and a Home equity loan thru XXXX and it was bought out by BB & T and has been nothing but problems and I received several late fees on an extra account that I did n't know I had. My payments have changed and the terms of my loan have changed and they stated there is nothing they can do about it. I did not sign anything to acknowledge any of these changes just that my prior company has been bought out and nothing will be changed but where I send my payments. Unfortunately this could n't be further from the truth. My mortgage payment changed nearly {$300.00} more and my home equity loan has another account which I owe another separate payment on which I had no idea I now have XXXX accounts. I tried getting this rectified and I am told they can not just keep it as one account and any time I want to borrow money again from my current home equity loan it will draw from that other account as a cash advance and I will have 2 monthly payment which is not what I agreed to per my original contract. This has to be fixed. No one ever calls back and when they do they have no idea why they are calling and no recollection of any of our previous conversations which I always save on my phone. Please Help, thank you

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 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I received a check to cover damage to my house from XXXX Insurance ... the check was made out to Me and note holder Nationstar. They refuse to endorse the check so I can receive the funds. I sent a letter, certified mail to their attorney in Texas ... they received it and they still have not endorsed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
To C.F.P.B, I would like for you organization to start entire investigation on my case, the said complained NationStar Mortgage LLC, XXXX they have try to show legal standing close action again me, and or XXXX XXXX XXXX, XXXX, Florida XXXX. The bank must show the original documents, mortgage and promissory note, the bank also have to show a proper shine of title recorded on the country where the property is located, is required by law, the bank must show assignments of mortgage and endorsements notaries with acknowledgments and the penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
We just received a dismissal of bankruptcy in XXXX of this year. The next month we recived a call from Select Portfolio stating that our mortgage payment was late. I called to find out what the problem was and was told that every payment we had made with them fro the past year ( they took over the loan from XXXX XXXX XXXX, 2013 ) was late. I stated that we were current with our loan, and have subsequently spoken with them XXXX more times and told to get a payment history, and they just have the same answer every time. 
We did recive a letter from XXXX in XXXX of 2014 stating we has a late payment at some time in the previous 12 months. I called the number provided but they would not talk to me about it because we were in bankruptcy. We also were getting the " pay for performance '' incentive until XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: TX

Complaint narrative:
I was contacted by AR Resources about a medical bill that I did not know existed. When I contacted the medical organization ( XXXX XXXX XXXX ), I realized that the invoice was wrong and I submitted a dispute. While the dispute was active my invoice was put on hold so the correct amount could be determined. 

About a month later I got another call from AR Resources saying that I owed the money. I told them that I had disputed the charges and the invoice/account was supposed to be on hold. 

He told me that the medical organization had contacted him 2 days earlier ( XXXX XXXX by email ) and told him that my dispute had been denied and that I owed the full amount. I was so confused as to why I had n't heard directly from the medical organization and I asked him why XXXX XXXX XXXX had n't let me know and why was I only hearing about the dispute being denied from him. 

He told me that XXXX XXXX XXXX would n't call me about the dispute because AR Resources was the point of contact on the issue. He told me they were going to put it on my credit in a couple of days if I did n't pay him. I could n't risk my credit getting damaged by this, so I paid him. 

I then called XXXX XXXX XXXX to ask them why they did n't contact me to tell me they had denied my dispute. They told me that my account was still on hold, nothing had been determined yet, and they had never contacted AR Resources saying the dispute was denied. They said they are n't allowed to talk to anyone about the rulings of my dispute except for me. They said they had it on record that they had contacted AR Resources to let them know the invoice/account was on hold and not currently due. 

AR Resources lied to me about how much was owed because at that point nothing was owed, my account was on hold until the invoice could be corrected. He lied to me about the dispute being denied. He lied to me about him being the only point of contact on the issue. And now I 've paid money on something that I have no idea the actual amount that 's due on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
I am a customer of Nationstar Mortgage. 
I requested a chain of custody on my deed of trust from them. While incomplete, the documents disclosed a robo signed document dating back to XXXX XXXX & XXXX 2007. It was signed by XXXX, a known robo signer. 
When I brought this fact up to Nationstar they said they take fraud allegations seriously and would investigate. XXXX they denied any wrongdoing. 
They have moved forward with foreclosure proceedings that will take my home I have owned for 11 years. 
I am a XXXX year old man. XXXX VETERAN. 
I seek your assistance in stopping them from taking my home away from me under the 4th Amendment of the Constitution. 
XXXX XXXX XXXX XXXX XXXX. NEVADA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I HAVE A LINE OF CREDIT THAT I GOT XX/XX/XXXX TO FIX MY HOUSE - THE LINE OF CREDIT WAS THRU ONE BANK AND SUBSEQUENTLY SOLD TO ANOTHER BANK. 

NATION STAR HAS SCAMMED ME AND TOOK MONEY FROM ME. 

NATION STAR IS REFUSING TO GIVE ME THE COPIES OF THE CHECKS THAT SHOW WHAT I TOOK OUT AGAINST THE LINE OF CREDIT. 
THE ORIGINAL LINE WAS FOR $ XXXX I ONLY USED {$30000.00} TO FIX MY FOUNDATION - WHEN MY HUSBAND DIED ( XX/XX/XXXX ) THE BALANCE WAS ONLY {$27000.00} + INTEREST. THE PAYMENT INCREASED DRASTICALLY I NOTICED THAT THE BILL WAS DOUBLED. I ASKED MY DAUGHTER TO HELP ME GET THE INFORMATION THE BANK IS REFUSING TO SHOW ME MY CHECKS TO PROVE THAT I TOOK AND USED THE WHOLE {$60000.00}. 
I THINK SOMEONE IN THE BANK TOOK MY MONEY AND IS MAKING ME PAY ALL OF THE MONEY BACK -THAT IS WHY THEY DONT WANT TO SHOW ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I have a condo mortgage payment with Nationstar mortgage company. Nationstar mortgage has placed flood insurance into the escrow payments on my current mortgage payments. The flood insurance that they charged me for is for the entire building, not just my condo, which increased my monthly payments by {$620.00}. Flood insurance is paid by the condo association of my building and was paid in full in XXXX 2015 for the year. Nationstar collected money from me for this payment for the flood insurance for the entire building even though it was already paid in full. I make the monthly mortgage payments each month, but due to Nationstar 's inaccurate billing they are saying that my account is delinquent, when in fact it has been overpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
A XXXX party authorization, signed by the homeowners is within the attached NOtice of Error. 
Ocwen has obtained forced placed homeowners insurance even though they have been shown repeatedly that the homeowners have compliant insurance in place. Worse, Ocwen is collecting escrow and PAID the premium on the homeowner chosen hazard insurance, which is proof they KNOW lender placed insurance is inappropriate. Payments for the homeowners ' chosen hazard coverage, and the lender placed insurance are both reflected on a single escrow statement. As noted in the NOE, the homeowner provided proof of insurance coverage in XXXX or early XX/XX/XXXX, I faxed proof again in XX/XX/XXXX. Nevertheless, in XX/XX/XXXX, Ocwen obtained lender placed insurance. 
A Notice of Error has been filed, and is attached here. So far, Ocwen has not acknowledged the NOE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AR Resources, Inc.
State: DC

Complaint narrative:
I got a credit report from XXXX while I was applying for a job with XXXX in XXXX, XXXX. The XXXX. sent a false report to XXXX causing me not to get hired. These are some of the problems with my credit reports : 1. AR Resources is a collection service that said I owed XXXX dollars to XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. When I called XXXX, I had a XXXX balance because XXXX has paid all of my bills. 
2. I never lived at XXXX, XXXX XXXX 3. I do n't know what these are because I never made or met these : XXXX and XXXX and XXXX Card.

Company response to consumer: Closed with explanation