vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I opened an account with XXXX XXXX XXXX in XX/XX/XXXX .... made a final payment in XX/XX/XXXX .... the home was foreclosed on in XX/XX/XXXX. Why am I still receiving negative marks on my credit report in XX/XX/XXXX? 

I spoke with XXXX and they said they no longer had the loan and that Select portfolio took this loan over in XX/XX/XXXX. 

I would like this removed as it is well beyond the time limit. THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I acquired a reverse mortgage from Champion Mortgage XX/XX/XXXX for {$170000.00}. I received approximitely {$150000.00}. by the time they took all their fees. My question was will there be no prepayment penalty because it was always my intention to repay. I was assured that it was not a problem. I have found that the interest is very high and I sent them {$75000.00} to pay down the mortgage. I have had a great deal of trouble with their insurance department because they want flood insurance but my agent at XXXX XXXX said I was not in a flood zone. They refused to listen to her even when we sent FEMA charts. They charged me {$5000.00} a year for flood and will not change the amount. The mortgage co. paid my house taxes on XX/XX/XXXX without my knowledge and when I sent them a check for the taxes they refused to accept it. They held on to the bank check for several months before they returned it to me and it was out of date. luckily my bank went the extra mile and gave me my money back. They are now foreclosing on me and in order to try and get a new mortgage I checked the liens on the property and found that they had put a XXXX mortgage on the property for {$570000.00}. I never got one cent more than the first payment. I can not get any bank to even look at me untiI straighten it out. Please help a XXXX out of this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
SPS Servicing frequently calls my home phone and when I answer the person who called me has no idea my they called. SPS states that their computer told them to call me. I wish this practice to stop. I would like SPS to know why they call 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 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I have had an account with BB & T since before XX/XX/2007 with no fees. I had no activities so I rarely looked at my account statement. After 8+ years of no fees some time this year my account has been assessed fees greater than {$100.00}. I feel it bad practice and possibly against banking regulations to arbitrarily begin feeing a customers after years of no fees. 

I made no changes and was not notified of the new fees placed by the bank. With the XXXX XXXX scandal I want to make you aware to make sure your bank is not following the same path. 

I feel I was robbed of my money just like a bank robber now it seems the bank is the robber.

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 2015-08-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MS

Complaint narrative:
Over the past 8 months that SLS has had my XXXX mortgage That BAC sold to them. 
They have always sent a monthly bill for the interest only portion of the loan. 
We caught on early and always sent an additional XXXX above the required XXXX there is a line to add to the principle X amount. This has been done every time we paid a note. 
In almost every month they would apply the additional money to the interest for the up and coming month and what ever was left would go to the principle XXXX. 
We would get the next month bill say XXXX XXXX and it would say that our next payment is due by XXXX XXXX. My wife is a wonderful women but did n't realize that was going on until I recently paid a bill while she was out of town. 
I have sent a Error Resolution letter with the needed documentation XXXX pages of it by fax as directed, as of 48 hrs they have n't responded and may have lost it who no 's. 
They have corrected the last months paperwork. 
I had printed out the statement history and was making notes to what the Acronyms where. 
While doing so my page refreshed and the statement history changed in no longer was what I had printed out. ( It was like they were making changes to cover something up ) Hence the XXXX pages of paperwork that I Faxed to them Print copy 1 and # 2Is there anything that I came expect them to do for the lost payments toward my Principle loan or am I just another person that got screwed by the big guy? 
Any Idea how long I have to wait for them to get in touch with me? 
The very least I should get credited for the interest on my load for 2 months or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
I haved lived in thos house for 7 years+. Every year my mortgage goes up and XXXX Mortgage says its because of escrow. When we moved in the payment was 570.00 dollars and has went up like five or ten dollars every year. We get letter this year it has went up to XXXX when will it stop? we almost cant afford the increase!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
XX/XX/XXXX my mother ( XXXX and XXXX ) refinanced the mortgage the house through XXXX. This was sold to her by an aggressive mortgage broker using a interest only negative amortization loan, which I advised her not to due, because these were bad products. 
XX/XX/XXXX, I took title to the property and to refinance the loan. The bank ( now XXXX XXXX XXXX ) then started to return the Mortgage checks. I was then subject to foreclosure proceedings. In the midst of the mortgage market implosion. 
Them HAMP was made law and I met with a representative of XXXX and supplied them with all of the info that was required for a Loan Modification. When I called them back they never responded. I then received a letter offering HAMP and I faxed the info to the XXXX Office in XXXX, following up with them they advised they lost all of my paperwork. I was then advised by XXXX to send the package to their XXXX office which I did and followed up. But it was again lost. 
I was then served with Foreclosure papers that were fabricated by a foreclosure mill in XXXX and filed in the XXXX County XXXX Court, via an Attorney how was sued in XXXX County for filing false paperwork and was forced to cease operations. I now was being " Double Tracked, '' The interest and fees were increasing, they added on late fees and Forced Placed Homeowner 's insurance. 
Then everything went silent, as XXXX sold the Mortgage to Select Portfolio Services based in XXXX. Oddly enough the attorney group that was shut down earlier, then restarted their operation under a different name, XXXX XXXX XXXX. Literally the same guys. 
I have filed Mortgage Modification papers with SPS on 4 different occasions. Each time they ask for additional information and it is supplied. We have had at least a half dozen meetings ( Follow up Conferences as directed by the court ). 
This brings us to the end. I now have 45 days before the Stay on foreclosure will be lifted and the foreclosure will proceed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
For over six months I have been disputing a payment made to Nationstar mortgage co. from my XXXX XXXX XXXX XXXX bank account on XXXX XXXX, 2015. This dispute has been going on since XXXX and I 'm still trying to resolve this matter. I 've sent Nationstar multiple faxes to document the payment made on XXXX XXXX, but nothing I 've sent resolves this matter to my satisfaction. I have talked to multiple customer service agents, but no one has managed to fix this for me to date. I 've faxed Nationstar my bank account statements from XXXX & XXXX and, according to their records, a payment of {$1900.00} was transferred by my bank to Nationstar on XXXX XXXX which has yet to be acknowledged by Nationstar ( see attached pdf document ). I have furthermore e-mailed all the documents for Nationstar 's files so there is no dispute that I 've provided the company everything that they requested. 

Since XXXX my mortgage has become delinquent because they have not acknowledged my payment, thus I 've had to make additional payments to catch the account up. I 've received multiple assurances from the customer service department that this matter will be resolved, but no one has resolved it to date and I 'm out {$1900.00} plus late fees now ( over {$1500.00} by Nationstar 's accounting ). 

I am extremely disappointed in how Nationstar has handled this matter and I plan to follow-up with legal counsel to determine my options.

Company response to consumer: Closed
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Company failed to provide me with my signature to validate the debt. Only send credit card statements saying this is there validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
On XXXX XXXX, XXXX we lost our home to our a fire. The home was a total loss and in accordance with Georgia law, our insurance company paid us the coverage maximum on our house. We endorsed our payment check and sent it to our mortgage company Nationstar Bank in XXXX XXXX. Since recieving that check, Nationstar has not been of any assistance to us at all. We originally told Nationstar that we were going to act as our own general contractors to which they said fine. we started taking the steps to rebuild our home and 6 weeks later Nationstar told us that we could n't build our own home. We called them and explained we were n't actually building the house but would be managing the sub-contractors who would be. They said fine. At this time I clarified payment procedures and was told what I needed to submit in order to get the sub-contractors paid. I followed up this conversation with a written letter confirming what I had been told. 

As of XXXX XXXX, XXXX, Nationstar has still not released funding to start the construction of our home. Because of some issues we ran into with our septic system, we decided on hiring a contractor. All applicable paperwork required by Nationstar has been sent in to them. We need them to release funds to our contractor and also to reimburse us for funds we expended that we were told we would be reimbursed for. We called and complained when they said they were n't going to pay us. Approval was granted to pay our reimbursement by corporate headquarters but when I called today to check on the status of any payment, I was told that we could n't be reimbursed until 90 % of the home was rebuilt, something that was never ever told to us. We just want to get this process done and our home rebuilt, something Nationstar in apparently not interested helping expedite

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My loan has been sold several times. My taxes were not escrowed into my loan at closing XXXX 2005, the loan officer told me the taxes were {$1000.00} per year not {$5000.00} they are like {$6000.00} now. When the loan was sold the taxes were now escrowed and since I had a negative escrow account my monthly payments were re-directed to the escrow making the principle and interest payments delinquent. I have tried for years to get caught up. Every year I give them my tax money, I enter into these crazy re-payment plans that I can not afford so I use all my savings to keep up with the plan then I have one bad month ( I work on XXXX ) then the plan gets cancelled because I have no way to come up with an extra {$700.00} - XXXX a month extra on top of my regular payment that also includes taxes and insurance. I have no savings because every cent goes to covering this extra amount. They will not update the payments I make on my credit report so I can not re-finance or even get a loan to catch up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
On XXXX XXXX XXXX my mortgage was sold to Nationstar Mortgage. On XXXX XXXX XXXX I sent a letter of financial hardship to Nationstar describing the fraudulent circumstances that were induced upon me at the signing of my closing documents. 

On XXXX XXXX XXXX XXXX XXXX XXXX of Nationstar replied to my complaint to both Nationstar and the CFPB by stating simply, " We have conducted an investigation, and it was determined the error asserted within your correspondence did not occur on the account. Please be advised Nationstar can not attest to the prior servicer 's actions, including their origination, underwriting, or lending processes. XXXX XXXX then threatened me with the full impact of the sales contract stating, " we will continue to service the loans in accordance with the valid, binding documents that you signed at the time of origination. '' I replied to both XXXX XXXX XXXX XXXX with citations and an Error Resolution Notice under 12 C.F.R. 1024.35. I then supplied additional documentation from the XXXX XXXX XXXX XXXX XXXX in addition to two separate professional opinions of the site description on the property for a re-assessment of my complaint. 

XXXX XXXX of Nationstar contacted me in XXXX of XXXX to say that my case had been escalated and they would be conducting their own internal investigation into the fraud allegations. XXXX XXXX contacted me shortly afterwards and told me the internal investigation confirmed my fraud allegations after escalations reviewed my case in detail and they would then approach XXXX XXXX with their findings. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX e-mailed me with the decision of Nationstar to fully enforce my mortgage contract despite the open records documentation of the fraud that has been confirmed and supported when initiating and servicing my residential mortgage contract, XXXX XXXX replied to my complaint saying there is nothing he can do for me. 

Specifically XXXX XXXX replied saying, " They realize an error was made '' however as they are not the investor they can not help me further and will enforce any and all contractual obligations that have been imposed upon me by the now defunct XXXX XXXX XXXX that was put out of business by the FBI for fraud in XXXX. 

I am XXXX and my XXXX was established in XXXX. As we are associated with the XXXX my business has survived however as of the XX/XX/XXXX and more recently for all of XXXX I am no longer able to receive a paycheck and my savings has depleted to the point of desperation. 

I am seeking a Loan Reduction to equate to the value of equity that was and still is being grafted from me and my family for the remaining balance of this loan. XXXX excessive taxas, closing costs, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
I am writing to file a complaint against Nationstar because of their predatory lending practices reporting negative item for last 9 years Illegally appraisal of my house at $ XXXX in XXXX. All comparable were XXXX to XXXX. they illegally compared the house form outside the subdivision to get XXXX unlawfully Charged 7.87 % interest on my house Dishonestly started foreclosed process in XXXX and took my home from my family. ( See Court Process ) Unlawfully reporting negative and foreclosure in my credit file since last 9 years a. XXXX and Nationstar has changed the date for last delinquent payment date so they can report negative item until XXXX After 9 Years -I am still ca n't buy house because they have changed the date of my last delinquent payment with XXXX It should be only for 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STME LLC
State: OR

Complaint narrative:
I have signed a contract stating that, the seller of the property I am buying can refuse unreasonable offers, over the specified monthly payment. I have placed my home on the market and am in escrow. I have been told, as well as the title company that the home ca n't be sold, if she refuses. The reasoning is due to taxes that would have to be paid for capital gains. I have consulted an attorney - been advised that this is very close to crossing lines, since the seller is an attorney who is selling homes, loans money, etc. Multiple emails have been sent to the seller, with no response ; until pay off information was requested by title company. I was told that if she knew I was going to end up selling, she would have charged me more to buy the house. I had previously requested a home equity loan, and was given a XXXX separate loan, so I am now paying additional interest on the home. Apparently, because this person does n't want to pay additional taxes, I am not able to sell my home, obtain my equity so I can move on in my life. She is expecting all of the people who are under contract with her company to stay in their for 30 years at a high interest rate, rent the home out, have someone assume their loan, or give the property back, so that it can be resold at a higher rate. The homes are as is, I have found out that there is an oil tank in my back yard that has not been decommissioned, and the house is over XXXX XXXX XXXX, so I am not the first buyer of this property. Also, I have recently found out that paperwork has not been filed, showing proof that I am currently purchasing the property. When I did have someone who was interested in assuming my loan, the current seller wanted to charge me {$350.00} to file the paperwork. According to the title company, nothing has been filed on my home purchase and I have lived in the house, paying taxes for the past 5 years. The list goes on and on.

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 2016-10-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
My mortgage was bought by Nationstar Mortgage. In fact, in XX/XX/XXXX, I almost paid my mortgage to XXXX because the alert that mine had been purchased came when I already had a bill to pay XXXX rather than the new owner. I had already written my check when I noticed that Nationstar was not announcing that my new owner wanted payment when the switch was complete, but instead, I needed to switch NOW. A very shady conversion and shoddy timing an unfair amount of time for the consumer to adjust. 

I sent my payment in XX/XX/XXXX and my check was cashed on XXXX XXXX, XXXX. I just opened my new statement and my XXXX XXXX payment was not noted on the Nationstar statement for XXXX. My new bill said that I am a month behind. I owe a penalty and the last payment and the new payment. Again, shoddy timing on their part. 

I called to see why I got this bill since I can prove that my mortgage payment check was cashed on XXXX XXXX, well within their 15 day requirement. In other words, their new statement for XXXX was sent on XXXX XXXX, interestingly, the same day they cashed my check. My check was not late. In my phone call I confirmed that a payment for the first of the month is not late unless it is after the XXXX of the month. 

I have never been late on any mortgage payment for more than 30 years. This mortgage is on property that I still own because of the crash in XXXX. I live in Ohio but I have not been able to sell the property in question because of a depressed market that has never fully recovered. I am upside down if I try to sell it so I keep it and rent it out. 

I want this corrected. I want everyone to know about the timing of this crooked mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
XXXX XXXX and Quicken Loans is not excepting my Cert. Of Eligibility I received from military service. I was issued one XX/XX/XXXX and had it renewed XX/XX/XXXX. They say that the COE is not any good.

Company response to consumer: Closed with explanation