vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar is foreclosing on my home on XXXX/XXXX/XXXX despite the fact that I originally requested assistance from XXXX XXXX XXXX who serviced my 1st and 2nd mortgage. There has been numerous owners of my loan as well as assignments of which I was never given notice, furthermore, the Assignment of Deed of Trust executed on XXXX XXXX, XXXX, shows XXXX as Nominee for XXXX Lender transferring/assigning to XXXX Bank XXXX, the Holders of the XXXX XXXX XXXX Securities, with the Trustee being XXXX XXXX XXXX XXXX XXXX On XXXX XXXX, XXXX, a Corporate Assignment of Deed of Trust was executed for value received from XXXX XXXX as Trustee for XXXX XXXX which assigned and transferred to Nationstar Mortgage. On XXXX XXXX, XXXX a Substitution of Trustee was executed from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX which I received no notice, in addition less than one month a Notice of Default was filed on XXXX/XXXX/XXXX, how could XXXX Nominee for XXXX Lender substitute the Trustee when the loans was transferred to Nationstar prior? XXXX XXXX XXXX who serviced my loan after the fall of XXXX Lender wherein, my loan number was XXXX collected my mortgage payments for years however, I do n't see them on any transfers or assignments, and this point, I feel I have been shuffled around with no one offering any mortgage assistance. My home is currently worth {$600000.00} maybe? I have requested numerous times a principal reduction from XXXX XXXX I currently owe, however, Nationstar will foreclose the property with less money rather than assist me in keeping it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I have been working on a short sale with Select Portfoio Servicing since XXXX/XXXX/XXXX this loan was issued a HAFA program approval letter on XXXX XXXX, XXXX valid through XXXX XXXX, XXXX with a sales price based on a value of {$160000.00}. An offer was submitted to SPS at {$160000.00} along with the required documents as outlined in section XXXX of their letter. SPS has delayed the review of the file and continued to request documents over and over again even after approving this file. I filed a complaint with Making Home Affordiable and in retaliation SPS canceled file as they said the buyers offer was to low, this property had a value of {$160000.00} and a HAFA approval letter issued in XXXX. SPS updated their values on XXXX/XXXX/XXXX and increased the value to {$170000.00} after they had already issues an approval letter based off of the {$160000.00} value not an updated value of {$170000.00}. SPS has failed to follow the HAFA guidelines and has caused harm to the borrower and the buyer. 

Please see the below timeline as it relates to the buyers offer. 
XXXX/XXXX/XXXX - VALUE {$160000.00} ( This was the BPO value provided by SPS ) XXXX/XXXX/XXXX - SPS Issues HAFA Approval letter good through XXXX/XXXX/XXXX XXXX/XXXX/XXXX - {$160000.00} Offer Submitted XXXX/XXXX/XXXX - SPS requested all seller financials ( After HAFA approval letter had already been issued ) XXXX/XXXX/XXXX - {$160000.00} buyer increased offer to {$160000.00} submitted to SPS XXXX/XXXX/XXXX - Requested addtional seller & Buyer documents XXXX/XXXX/XXXX - Requested addtional seller documents XXXX/XXXX/XXXX - Requested more information on buyers down payment XXXX/XXXX/XXXX - Esicated issue with SPS XXXX/XXXX/XXXX - New value of {$170000.00} ( HAFA APPROVAL LETTER AND BUYER OFFER ALREADY SUBMITTED ) XXXX/XXXX/XXXX - Submitted Utilitie Bills XXXX/XXXX/XXXX - Still reviewing documents XXXX/XXXX/XXXX - Escilated with Ombudsman department XXXX/XXXX/XXXX - Reviewing MHA dispute XXXX/XXXX/XXXX - File cancled for offer being to low.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
I have tried to work with Nationstar Mortgage but they have said they prefer to short sale or foreclose. I believed I qualified for a HAMP loan but it was denied. They issued a Standard Loan Modification that I could not afford. Nationstar is forcing foreclosure and short sale only options. They have said that they are not obligated to provide me with a loan modification. My problem with this is ; I would never do business with this company, but I am forced to. Where is my protection from predatory non-bank lenders? 
I want to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
In XXXX 2011 I took out a Reverse Mortgage With XXXX Mortgage ( now Champion Mortgage, same address ). My loan check was received on XXXX for a year and a half. Then it started slipping over the years, to the XXXX, then XXXX, XXXX, XXXX, and this month the XXXX, I received my check. It is supposed to be here on the XXXX. I am a XXXX that ca n't pay bills on time because if this corrupt companies actions. Contact with their customer no-service Dept., over the years, has been fruitless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
My company, Nationstar, refuses to process my mortgage check in a timely manner and has only sent my XXXX billing statement, although I have been with this company for 4 months. It took XXXX days from the day that I mailed my check until the day that the company acknowledged that it received my payment. In the XXXX years that I have had a mortgage I have never, ever had a late payment. I had to cancel the check and pay over the phone. The company still has this check, and apparently can re-deposit it after XXXX year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Nationstar has refused to release my much needed insurance claim funds that are required to repair my fire damaged property. Have spoken with countless agents in the Loss Draft Department and managers in the corporate Customer Service Department only to be given a further run around. Nationstar has held on to these funds for over a month now without releasing any funds for the remediation of my property. Had been told that the reason they ca n't release the funds to me is because the state of Virginia where I live requires a licensed contractor to do the repairs. Title XXXX in the code of Virginia allows for Homeowners to repair their properties without the need for a contractors license. This has been a very horrendous experience and definitely is a bad faith and deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I am facing a foreclosure and, despite many attempts, have been unable to speak with anyone at the mortgage servicer who can be helpful in what is a complicated situation - I am a first mortgagor but do n't hold title to the condo, having been foreclosed on by the second mortgagee, who took title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
My mortgage was sold by XXXX XXXX XXXX to Nationstar Mortgage. I looked up Nationstar online and read all of the horror stories about how inept of a company Nationstar is. So I refinanced my mortgage with XXXX XXXX and the process went smoothly. XXXX paid my loan off on XXXX XXXX. I was told many conflicting stories about when I would receive a check with my escrow balance when I called their support center multiple times. I was told my balance was cleared to be sent on the XXXX and a check was mailed on the XXXX that I never received. They will not send my check by certified mail/XXXX/XXXX with a tracking number and they wo n't wire my money to me. They are purposely sitting on my escrow balance of {$1800.00} and wo n't send it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I am so frustrated and fed up with this company that defaulting on my mortgage would be a XXXX send so that I would n't have to deal with their lackluster customer service and lack of feedback or response to any of my valid complaints. I am delinquent and have tried to see if Nationstar would work with me on a possible loan remodification which I was unsuccessful at. I have made dozens of calls trying to get some assistance but nationstar does not have a customer service line where you can actually speak with a representative. I am disgusted and unfortunately out of options and the only thing I have left to do is file yet another complaint. I have filed NUMEROUS complaints on this company from using this agency, to the BBB, the DOJ and anyone else XXXX search tells me wlll help. All I want is customer service and assistance. I quit my part time job so I can get my XXXX out so I can catch up on my mortgage while I attempt to find new FT and PT employment. My goal is to have this mortgage caught up by next month but I want to know of my options which no one at Nationstar is willing to divulge because they have no customer service department and the person handling my account does not exist. I missed her call today and called back immediately only to get her voice mail. I left one of numerous messages for this XXXX XXXX but have been unable to reach despite my numerous attempts. Please investigate this company for its deceptive practices. I feel this business is a fraud, a cloak and a front to steal people 's homes from under them by not offering them customer service or assistance. I do n't know what else to do except to file yet another complaint. And I will continue to file complaints until Nationstar addresses my concerns regarding their deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
mortgage company issued credit remark that house was foreclosed. Currently, my credit history reflects a foreclosure. The house was sold at a profit of $ XXXX and the mortgage was paid off. There was no foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Select Portfolio Servicing, Inc. ( SPS ) has falsely responded to our request to provide an ORIGINAL Power of Attorney ( as required in our state of XXXX ), to accompany SPS 's invalid discharge and assignment recorded in our County in XXXX XXXX. We have requested this information, and document, through prior Qualified Written Requests sent to the CFPB and to SPS. Attached is email received from SPS and Power of Attorney ( POA ) sent to us. First, the POA is not original ( is from a filing in XXXX ). Second, the POA is granted to XXXX XXXX XXXX - which no longer exists ( date of the invalid POA is XX/XX/XXXX ). Moreover, we have repeatedly asked SPS, through Qualified Written Requests, to identify the name of the OWNER of the loan at the time SPS received our payoff check on XXXX XXXX, XXXX. SPS has not responded to our Qualified Written Requests, and continues to instead provide responses as to a " note holder ''. As the CFPB is aware, a note holder and owner of the loan are not the same thing. In fact, SPS account number does not match our original loan number. We request that SPS provide a valid original power of attorney, provide the owner of the original loan number, and provide the owner of the SPS account number. These loan/account numbers must match any original provided Power of Attorney to be filed in our County. The original loan number is XXXX ( see attached ), and the SPS account number is XXXX. 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 2016-11-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I have a mortgage that was with XXXX XXXX XXXX. It has been sold around. I lost my job and then found another job. I tried to get a loan modification. Each time I was denied for bogus reasons. Now my loan is with SELECT PORTFOLIO and they are doing the same thing. Denying me a modification. My home was almost paid for and now they are adding balances and fees from everywhere. I requested validation of the debt and my payment history from SELECT PORTFOLIO, UNDER THE LAW OF THE FDCPA. I NEVER RECEIVED ANYTHING FROM THEM, YET THEY ARE THREATING TO FORECLOSE ON MY HOME. SELECT PORTFOLIO IS NOT ON MY PROMISARY NOTE OR DEED. IT IS LISTED WITH XXXX AS THE BENEFICIARY. A LOT OF MY FULL PAYMENTS WENT UNREPORTED. THIS IS WRONG. 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 2016-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
We had a short sale in XXXX, it was paid and closed XXXX ... Well since then Nationstar has reported it FORECLOSURE paid, and reported a 120 day late payment in XXXX and another one this year XXXX!!! This account has been closed and paid since XXXX and they are affecting my new VA loan right now because they are reporting seriously inaccurate information. They are in violation of the FCRA. I have disputed it and they have not fixed it and they continue to do new updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Within the past 3 years SPS Servicing has been servicing my home loan. My original lender was XXXX XXXX. I have been trying for 3 years to modify my mortgage, butTime after time I am met with a request for further details and paperwork. I do not want to lose my home but I am not able to fight SPS Servicing alone. They have also refused to issue me any information regarding who actually holds my mortgage note while threatening foreclosure via mail and with notices left on my door. 

I have been working XXXX jobs in order to pay my mortgage, but they will not issue a modification so that I can afford to stay in my home. 
Please help me figure out how to save my home.

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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
My mortgage payments are in a post suspense balance as per poc/ as per pcn. My mortgage payments are not being applied to the loan. I have paid a partial payment a few times but I am current on my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On XXXX XXXX, I received a letter from my Select Portfolio Servicing dealing the events in regards to the loan servicing of my loan. What they indicated was as follows. My taxes were sold and were not paid because they felt it would be a loss etc. What they did not indicate is in XX/XX/XXXX I was in a active Special Unemployed Loan Modification and I faxed and spoke with them in regards to not being able to make my XXXX installment payment. Reason was it was a delay in my XXXX benefits on XXXX XXXX. According to the RESPA Guidelines Program for loan servicing amendments. The SPS was suppose to do any means possible to assist me in stating in my home. I did have a hardship and SPS failed to extend my hardship being unemployed per RESPA Guideline and additional 60 days which would be me at XXXX XXXX doing the time they received notice of my unemployed hardship, On XXXX XXXX why were my taxes sold when SPS new I was in a active modification and within my 60 day grace period for unemployed borrowers protection per RESPA loan servicing rules for Loan Servicing Guidelines for Unemployed borrowers. I was also in a active foreclose case filed in the United States District Court for the XXXX District of Illinois XXXX Division docket number XXXX XXXX which had never been dismissed when my taxes were not paid by SPS. As of today 's date the case still has not been dismissed against me. I was lead to believe that SPS was working with me since I was trying to save my home. My PI payment was {$870.00} per month and my Loan Mod payment was around {$1200.00} per month. Why that did not cover my taxes which would have protected me from loosing my home. I do n't understand the life of me. I was under the impression by entering into this modification I would be fully protected not to loose my home. SPS voluntarily to pay {$290.00} of escrows per my statement attached. However they failed to pay the other tax years. SPS has made a ERROR on the RESPA amendment to the loan servicing guideline that President Obama put inplace to assist borrowers like myself. Now I have lost my home. I have been talking with the tax buyer they are willing to sale me the home but their are no programs for me to be approved for a loan to buy my home back at this time. If SPS had not made the ERROR in the RESPA loan servicing. I would have still been able to save my home with all the great programs President Obama have to help borrowers like myself. Please see attach documents and assist by calling the tax buyer paying off my taxes per notice SPS received on a {$95000.00} federally related mortgage conventional loan that taxes were not paid because of the economy per SPS. That was no EXCUSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 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:
My husband and I both have direct deposit of our paychecks to our checking account. We are very strict on our spending and record keeping. So when we use our debit cards or write a check, we know how much is in our account from not only the check registry, but our online banking. Except in the last 6 months we have ended up with over {$2000.00} in overdraft fees. When I inquire about it at the bank, I am told the reason is that when we use our cards, it puts a hold on that amount of the money in our account. Then when it clears, if there is not enough to cover it, because of the pending amount they are holding, we ars charged an overdraft fee. How is this possible if the money has already been set aside for this item that was pending? Example : my husband 's paycheck was {$500.00}, and we spent {$350.00} out of that using our cards. We should still have {$150.00} left in the account. Except our bank says we are over drawn because they put a hold on that {$350.00}, so therefore when those pending items clear there is no longer {$350.00} in the account to cover those pending items. How is this possible if they have already put that money on hold? This happens frequently anymore and it has cost us quite a bit of extra money in late fees, because we end up having to hold off on bills because our paychecks are gone as soon as they hit the bank account, just pay off the overdraft fees. Please help us, as we are drowning now in financial debt because of this bank. And are unable to switch to another one, because they show up on any chex check that is done, in order to open another account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
NationStar has XXXX in less than 6 months reported erroneously Loan No. XXXX. I received a letter from there research Dept in which they acknowledged an error in reporting this information and the correction and updates to credit bureaus to be performed in XXXX 2015. After having made the corrections and updates, today XXXX/XXXX/2015 they have again fro a XXXX time reported erroneously this loan information on my credit profile and have directly impacted my credit worthiness reducing my credit score by more than XXXX points from XXXX to XXXX. 
Because this is already a XXXX time I would appreciate an investigation and any all sanctions applied due to clear Violations of FCRA. 
I may be contacted directly at XXXX or email at XXXXXXXXXXXX. 
Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar refuses to communicate with me regarding my mothers loan in which I am the Grantee. I have provided them copies of the Quitclaim Deed and informed them of my mothers passing and that I would like to do everything possible to save the home as I have been living here and plan to live here. There is a current auction on the property

Company response to consumer: Closed with explanation