vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
My mortgage payment went up {$88.00} last year. This year it has gone up an additional {$430.00}. I ca n't understand how I 'm expected to pay {$1400.00} a month, when we bought our home knowing our payment was {$910.00} a month. I have read the explanation on nationstars ' website about the escrow amount going up. Still I can not fathom paying an additional {$430.00} a month. With the company making this change, our best bet to survive as a family will probably have to be to sell our home as we will not be able to make the payment of a nearly 50 % increase on our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
At the end of last year my statement showed I had {$550.00} in escrow. I paid another {$30.00} into escrow for the next 3 months for a total surplus of {$640.00}. Nationstar paid {$360.00} for insurance leaving {$280.00} balance surplus. 
Nationstar will not reimburse me the surplus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
A gentleman called my Granddaughter demanding she pay for a debt that she was n't sure even existed. He threatened to have her taken to jail the next day. She panicked, having XXXX small children. Called me to help her pay the amount of {$3500.00}. I had her tell the guy to call me, when we spoke he was very persistent. He would n't accept a personal check as payment, and had to be paid right now or she would be placed into jail, and he would take the house away from her. I 'm an elderly lady and was very scared for her. I decided to give him my credit card info because he scared me, and I was worried for the safety of my granddaughter and grand babies. I asked him to fax me the documents to prove that she indeed owed this money to somebody. He refused to send me any type of receipt. I then called the credit card company to cancel the transaction, the lady said I caught it just in time. That they would n't release that amount of money right away so I was assured the payment was stopped. The following day he called screaming at me for canceling the payment. He said to just give him {$500.00} and he 'll go away, he refused to send me any paper work so I had proof. He has damaged my soul, I 'm scared that this can happen again and to keep your family from harm you do what ever it takes. It 's sad that people take advantage of others. 
I then received a document from the credit card company saying that they have charged my account. This man that strong armed my account information from me turned out to be a scammer. Please will you look into this. I 'm living on a fixed income and do n't know what to do. I thank you much XXXX XXXX

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 2015-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services in XXXX 2015. Carrington sent me a new escrow statement indicating that they have decided to collect XXXX of our escrow amount in accordance with federal law. My payment is increasing by {$130.00} a month. XXXX XXXX XXXX never did this and even when an escrow shortage occurred my payment increases were no more than {$50.00}. I am angry that a mortgage company is allowed to get away with this type of treatment. Particularly when the shortage has been artificially manipulated by making escrow disbursements XXXX month before they are due!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Mortgagor is currently under contract for the sale of his property but servicer has a foreclosure date set for XX/XX/2016. Sadly mortgagor just realized he was scheduled for foreclosure the XXXX two days ago. I reached out to the mortgagee ( Nationstar Mortgage ) and requested a postponement of the foreclosure and let them know the current offer pays them in full but they said they wo n't guarantee me they will postpone. I am hoping they will but fear if they drag their feet I wo n't have time to stop the action. I am requesting the CFPB stop this foreclosure because the damage to my client will far outweigh any potential damage to the mortgagee and or investor on the loan. I know this is last minute but this case has compelling circumstances that warrant flexibility of the mortgagee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
In XXXX I began contacting my mortgage company to see if I could get a loan modification because my husband and I were going to be divorcing. I was told that they could not consider that unless my loan was in default. In that time mortgage company was shut down and turned over to another mortgage holder XXXX who could not help me because they were just getting the loan information entered in their system. I sought legal council because I was not getting anywhere and was told my loan was a XXXX and the courts had not determined how they would be handled. On XXXX XXXX, XXXX I went to mediation with XXXX the first default service assigned to my loan and was told to provide a list of documents for possible loan modification. I provided those and never heard anything. In XXXX the Supreme Court decided on the XXXX cases and I was served again. In the meantime the property was flooded in XXXX of XXXX causing approx. {$30000.00} damage and is still in jeopardy of recurring damages due to poor drainage. We went to mediation and the new servicer NationStar did not come with all their required documentation and the mediator sided in my favor. We went to mediation a third and fourth time always the same outcome the NationStar did not come with their required documents and sent representatives with no authority to negotiate. Now six years later I have been served with foreclosure documents and I do n't think NationStar even now have their required documents to proceed. NationStar even lied to XXXX XXXX at XXXX office they told XXXX they had never received anything from prior mediations. I sent copies of the e-mails to XXXX XXXX who has been trying to help but we are still at an in pass.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
My mother passed away XXXX months ago and she had a reverse mortgage on her property. We opted for a " Deed in lieu of Foreclosure Agreement '' on XXXX/XXXX/15. The mortgage company will not take ownership until the property is settled ( not scheduled for at least XXXX days ). On XXXX/XXXX/15 we discovered that the mortgage company placed a lock on my mother 's home without any notice or before they took ownership of the property. In XXXX, it is illegal to lockout a resident unless they have proof of ownership. I have the deed to my mother 's house in my possession and the mortgage company does not own at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
My husband had retired, right after he retired, within two weeks I was let go from my job for fribious reasons. This is during at time the company I was working for was under major Law Suite for firing XXXX ( XXXX ). They have introuded my computer, my cell phones, my personal bank account. They contact anyone that is attach to my personal financial affairs. My Mortatage company and the company XXXX plan I have. 
I am writing this early. I may not be able to do this later please call me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
My property at XXXX XXXX XXXX XXXX, XXXX, Tn XXXX was vandalized back in XXXX, I filed an insurance claim with XXXX XXXX. XXXX sent the insurance check to XXXX XXXX XXXX on XXXX/XXXX/XXXX or XXXX. I was also in the process of doing a loan modification on the house because my brother moved out and I could not pay the mortgage for that property and also the property where I reside currently. Needless to say, XXXX XXXX XXXX never gave me the check for the repairs. Soon after, they sold the mortgage to Select Portfolio. I tried to sale the property and when I got a contract, codes ended up demolishing the property before my closing date. Now, there is no property ... but I still get mortgage payment requests, calls from SPS, my credit over the years has been destroyed and now I have a lien against the lot for the demolition! I do not know what to do at this point! The mortgage company will not foreclose, they will not allow me to surrender keys, I can not file a chapter XXXX at this time either. I am seeking guidance on what direction to take to file suit against the parties that caused this adverse affect on my life. SPS were made aware of the demolition at lease 90 days prior to it happening and they were also aware of the insurance money being held for repairs! I tried for years to get the money with no success so that I could make repairs and put a renter in there to start paying the mortgage! XXXX I told them I would be seeking counsel, they sent me forms informing me that I should get a quote from a contractor for repairs in an amount close to {$9000.00}. This was after the property was demolished. Please help me!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Nationstar Mortgage failed to respond to my Qualified Written Request sent XX/XX/XXXX within the required period of time. 

Nationstar Mortgage failed to credit all of my payments on my mortgage after Nationstar acquired mortgage servicing rights from XXXX XXXX XXXX in XX/XX/XXXX, despite repeated requests to do so. 

Nationstar Mortgage has not cooperated in my attempt to refinance my loan through the HAMP program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Refinanced Home Equity Mortgage. Payment was sent to previous lender in the amount they specified. I have since received a bill requesting an addition {$100.00} to {$190.00} dollars to close the account. The payoff payment sent was for {$23000.00} and the last Nationstar statement balance was {$23000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am submitting a complaint with documentation by PriorityMail. My Lender is arbitrarily not responding to my request for a short sale, MHA relocation assistance and a property valuation report. Enclosed is everything my agent, the buyer and I submitted that has to do w/my request and a few letters from the Lender. Denied due to incomplete documents and moved foreclosure to XXXX. I have been in constant communication by phone with my lender since XX/XX/XXXX to help make sure we complied with their requirements but to no decent outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
In XXXX XXXX, XXXX XXXX filed a mortgage foreclosure action in the Circuit Court of XXXX County, Florida. XXXX sold the Note and Mortgage to Nationstar Mortgage , LLC. XX/XX/XXXX, It was negotiated that I give XXXX a Deed in Lieu of Foreclosure. See attached. The deed was never recorded in the Public Records. Litigation went on in the case. In XX/XX/XXXX, Nationstar Mortgage , LLC and I entered into an agreement that Nationstar acknowledged that a Deed in Lieu was given in XX/XX/XXXX and that they would pay me {$7500.00} upon a XXXX being sent to them, Nationstar would record the Deed and give information to the XXXX credit bureaus that a Deed was given in XX/XX/XXXX. Nationstar did pay me, they did dismiss the suit in XXXX County, Florida but they never recorded the Deed nor did they sent information to the XXXX credit bureaus that this account had been satisfied. I desire that Nationstar Mortgage LLC own up to its part of the agreement by recording the Deed and send information to the XXXX credit bureaus that this account has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
i was issued a wrong modification with XXXX XXXX XXXX after loan was sold to them and in turn now a servicer spf wont help. my home is legally entitled toa loan reduction from sandy damage and a real modification. this loan change hands three times and nowforeclosure is in process.. no one cares no one helps but when i was need in XXXX i did my part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE AND I HAVE APPLIED FOR MORTGAGE ASSISTANCE. MY SERVICER, SELECT PORTFOLIO SERVICING ( SPS ), IS PROCESSING MY REQUEST FOR MORTGAGE ASSISTANCE. IN A LETTER DATED XXXX XXXX, 2015 SPS REQUESTS ADDITIONAL DOCUMENTS FROM ME AND IN THIS LETTER THEY PROVIDE A XXXX/XXXX/2015 DEADLINE. IN ANOTHER LETTER DATED XXXX/XXXX/2015, SPS NOTIFIES ME THAT THEY HAVE SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/2015. ON XXXX XXXX, 2015 IN A PHONE CONVERSATION WITH SPS, A REQUEST WAS MADE THAT SPS RETRACT THE LETTER NOTING THE SALE DATE IN WRITING VIA EMAIL. THAT EMAIL OR RETRACTION HAS NOT BEEN RECEIVED. SPS IS ENGAGED IN DUAL TRACKING AND PREFERS TO PROFIT FROM THIS METHOD. THEY PRESENT A FACADE OF HELPFULNESS SO THAT THEY CURE LURE HOMEOWNERS INTO FORECLOSURES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
XXXX mortgage fraud and illegal debt collection practices. trying to foreclosure and suing under us bank on a mortgage loan that was settled in XXXX by us banks through their law firm when we informed then they just keep trying to collect what we believed to be a settled debt recorded in the public record and for 3 years they did nothing either in court or through us bank to address the situation until now after the filing a lawsuit for a property they claim to be the servicer of but county records show was assigned ( sold XXXX to them after we were informed the debt was satisfied in XXXX XXXX the fraudulent activity by all the parties from origination in XXXX to present false information with the court filing should be invested to see who to bring criminal charges against. will not provide the closing documents to show who ( XXXX bank or XXXX ) funded this loan if it was funde at all? charges to maintain a property I live in and they do not maintain it I do, charges for property inspection, some mouths shows XXXX or more of these charge. 

XXXX and us bank with the help from the XXXX circuit court of Florida who disregarded the facts and has foreclosed and stolen our home. I will forward XXXX of the XXXX judgment the last XXXX were removed. next please ask XXXX and us bank to submit a certified copy of the actual illegal and invalid mortgage documents they filed with the court. as it differ from the version they gave you what of the frauldant charges by attorney XXXX XXXX XXXX for mandatory mediation that we were never ordered to attend by the court and if mandatory mediation is required by law why did the court skip this step and her response to me in a email was XXXX County does not require mediation. I guest XXXX county has their own foreclosure laws I thought it was Florida law or federal law Moreover, these issues should have been raised by you to the Court prior to the entry of judgment. that would be the same court who does n't believe the facts of the case and a very clever scheme to defraud by nationstar and us bank and what of the relocation expenses for being forced out of our home with less than 45days. please forward this complaint to us bank for their response to this case now that XXXX and us bank stole our home I am formally requesting to file federal charge against all the parities and request that the dept. of justice investigate this matter and look up the court file to confirm my statements. nationstar and us bank needs to stop stalling and formally respond, now that they have completed their fraud and stole our home. I will e-mail all my documents to cfpb and the DOJ

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

Complaint narrative:
Nationastar Mortgage has taken over our home loan as servicer and agreed to do a deed in lieu instead of a foreclosure. Now we are getting the run around after XXXX months of trying to finalize the process, this is still impacting my credit on a monthly basis. No one will give us a direct answer on the status and it is always the same thing that is it is being processed for XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
New Complaint against Select Portfolio Servicing. We have received a response from XXXX XXXX XXXX XXXX regarding our complaint file # XXXX. A DISPUTE has been filed, and since XXXX XXXX XXXX XXXX has no record of us, or our loan, as to any trust, or by which XXXX XXXX XXXX XXXX has a record for security investors, and XXXX XXXX XXXX XXXX forwards us to the servicer - Select Portfolio Servicing ( SPS ), we hereby file a new complaint against SPS. 
While XXXX XXXX XXXX XXXX claims to be a trustee to certain XXXX trusts, XXXX XXXX XXXX XXXX can not, and does not, state that our loan was in any trust to which they were a trustee. XXXX XXXX XXXX XXXX can not, and does not, state that XXXX XXXX XXXX XXXX, as trustee for certificate holder investors, received payoff of our loan, for the benefit of investors, by us, in year XXXX, as evidenced by our mortgage payoff cancelled check. XXXX XXXX XXXX XXXX can not, and does not, provide a Mortgage Schedule for any trust, that XXXX XXXX XXXX XXXX claims to be a trustee for, by which our mortgage loan is included for cash pass-through to security investors. XXXX XXXX XXXX XXXX can not, and does not, provide any documents in their possession, either as trustee, or in any capacity, by which our mortgage loan is referenced. XXXX XXXX XXXX XXXX can not, and does not, provide a Power of Attorney for Select Portfolio Servicing ( SPS ), or any other entity, to act on their behalf. No Power of Attorney is attached to SPS assignment and discharge, recorded in our County, for SPS to act on behalf of XXXX XXXX XXXX XXXX, for such assignment and discharge recorded in our County Registrar 's Office. Such assignment was recorded in XXXX XXXX, without Power of Attorney from XXXX XXXX XXXX XXXX, by SPS, many years after actual payoff of loan by us - XX/XX/XXXX. XXXX XXXX XXXX Bank can not, and does not, state that any certificate holders/investors to any trust, by which they were trustee for, and, responsible to - by SEC filings for servicer compliance, received payoff of our mortgage payoff proceeds on XXXX XXXX, XXXX - as provided as paid by documents submitted by us. XXXX XXXX XXXX XXXX only refers us to SPS. Thus, it is up to SPS to respond as to what happened to our loan, and to our mortgage payments and payoff. At this, juncture, a referral to the Securities and Exchange Commission is warranted. The CFPB has informed that they do not refer to any other entity other than the Federal Trade Commission. Thus, we request that SPS respond to this complaint so that appropriate action may be undertaken. Not only is title to our home at stake, but, also, investors rights have been discarded, with payoff owed to them diverted, by both XXXX XXXX XXXX XXXX, and SPS. We would appreciate an immediate response. 
Thank you, XXXX and 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 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
on or about XX/XX/XXXX I was trying to refinance my home. My mortgage was currently held by Quicken loans. I called the XXXX business office and was referred to their Arizona office. In the meantime I searched reviews on my pc about Arizona Quicken loans and they were negative so I declined to do business with them. I was receiving calls from Arizona and XXXX offices and declined to do any business. I then went to my bank and inquired about refinancing my home. When they checked my score I was told that there was high rate of hard inquires ( 6 ) from Quicken for one month. That lowered my score. Recently ( XX/XX/XXXX ) I was attempting to refinance with my current mortgage holder XXXX and they contacted me expressing that they wanted to keep servicing my loan. I am refinancing with another company and received from XXXX a packet for mortgage loan. I feel that XXXX contacted the credit companies as Quiken has without my authorization. Can you please help me with this problem

Company response to consumer: Closed with explanation