vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
We recently received a mortgage statement showing our escrow account increased by a little over {$460.00}. Which is over double what the current escrow payment amount was. We never received an analysis until we called and requested it ( which is attached ). We were previously in a bankruptcy, but were receiving other notifications from Nationstar through our attorney, such as interest rate changes due to our ARM loan. They are stating they sent one to our attorney and to us. However, this analysis is dated after the date of our bankruptcy discharge. We logged into our online account and there was also no analysis available. We called and realized that the reason for the increase was because they had not completed an analysis on our loan in years so the deficiency/shortage that is showing of over {$4500.00} is made up of years worth of items. We called Nationstar asking for previous years analysis and were transfer several times until the call was dropped after an hour of being on hold and/or transferred this happened twice. The third time after holding for almost an hour we were finally told that it is their policy that they do not preform an analysis unless the customer requests while they are in bankruptcy. There were new bankruptcy laws passed in 2011 to prevent this sort of action by lenders as well as RESPA law does not make an exception for bankruptcy loans. It just requires that the analysis be done at least annually. Due to their lack of compliance with laws we now have to figure out how to make a payment that is {$500.00} more than normal on a loan that is 12 years old and only had increase of disbursements of less than {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
Terms are inconsistent with original contract for payment and balance and inconsistencies with the legality of loan reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Quicken loans contacted my father while he was XXXX and was not legally supposed to sign any documents. The documents were hidden from me and I found them when my father passed away. I advised quicken loans that he passed away and they told me I could modify or refinance my fathers house. I told them the house was not worth what the amount of the loan was. I had the house appraised in XX/XX/2016 and the house appraised for {$230000.00}. When quicken loans sent someone to appraise my fathers house, they used comps that were not comperable to my fathers home. They used comps not near my dads home and homes that were for sale and did n't sell yet. I opted to do a short sale on the house, quicken loans approved the short sale as well as the va. I have had nothing but headaches since my father passed with quicken loans. They did. A loan with a man that was XXXX, XXXX, XXXX and when I asked them how they could do that, their answer was if he can sign his name he can have a mortgage. Quicken loans is the worst place and I would never recommend them to anyone. What they did to my father was a predatory loan and is illegal. I will let everyone know what they did to my father and the home that was in our family for 48 years. They would rather sell the house to a complete stranger then to his daughter. They will receive less then the $ XXXX I offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: SC

Complaint narrative:
We applied for and received a Trial Period Plan toward a modification from Caliber Home Loans. 
The first payment was applied on XX/XX/2016 to the 'Transaction Activity ' on the XX/XX/XXXX statement. 
The second payment was applied on XX/XX/2016 to the 'Transaction Activity ' on the XX/XX/XXXX statement, and then removed the same day. 
In a letter dated XX/XX/2016, our check was returned. 
We sent a replacement check with a letter on XX/XX/2016 outlining the fact that this check was intended as the second payment on the Trial Period, and requesting this payment be posted XX/XX/2016, the original date it was received. 
Caliber again returned our payment, along with the same form letter. 
Our XX/XX/XXXX payment was received today, XX/XX/XXXX, and we are concerned that Caliber may deny our modification on the basis of late or missing payments. 
All payments were sent by Certified Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
on XX/XX/XXXX i was on difficult with my payment and was trying get a modification for get a comfortable payment but on XX/XX/XXXX my home was sold on foreclosure but one lawyer review my case and accept help me for bring back my property because he saw a lot of irregularity in the sale then the XXXX XXXX XXXX offers to us a modification and XXXX for dismiss the case ans we accept for recommendation of my lawyer the modification was XX/XX/XXXX and my first payment will be on XX/XX/XXXX but the bank dont send to my the bill for send my pay then i call to the XXXX XXXX XXXX and they said my loan was sold to nationstar mortgage then i call them for request my statement under my name for send my pay they answer they do n't can talk to me because i have a lawyer then i return with my lawyer and explain the situation and he said wait don ; t worry nobody know your door ok then i wait for two month and i ask for my name on the title and he said i ; m working on ok but he was charge to me XXXX for the modification and the litigation then i suspend the total payment until he finish the job the he let me know came back for sing the settlement agreement and release on XX/XX/XXXX after singed he promise my property title will come under my name then I trust on my lawyer and paid in total XXXX dollar for the job but pass the time and the property do n't see my name the property continue under XXXX, then I when at the assessor information and they do n't can give me information because XXXX XXXX XXXX on XXXX ca XXXX is under XXXX not at XXXX XXXX then i when with the lawyer on XXXX county and they said no body can help me for bring to me at the title then SOMEBODY help me for contact to you after talk to the consumer protection the XXXX XXXX XXXX call me and they send to me a REQUEST FOR DISMISSAL on XX/XX/XXXX and I SINGNED BECAUSE Iwas looking for my title on my home after thats the XXXX XXXX XXXX made a request for tranfer ( notice of proposrd escape assessment with date XX/XX/XXXX i have the evidence for all i said for myself and and on XX/XX/XXXX i filed a case no XXXX AND I HAVE THE MINUTE AFTER of judge court i hpe you have idea and also I TRY STOP the sale foreclosure that is for XX/XX/XXXX i hope you can help me for my case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I have received phone calls from Regional Acceptance four to five times a day! Sometimes even more than that. Over the past few days they have called at least twenty times and from several different numbers. This includes calling and hanging up right after. They even called me 4 times within an hour! I ca n't answer the phone most of the time because I 'm at work. They will call all the time. I 'm behind on my bill but they did n't honor an agreement made. I made a payment recently online and saw that they are still charging me for XX/XX/2016. I have paperwork stating that it is pushed to the back of the loan. I have had harassing calls in they past from Representatives, supervisors, and managers alike. It got so ridiculous I had to speak to a branch manager. This company is very unprofessional and they do not honor their agreements. I 'm a single parent and had to deal with many hardships when I got my vehicle financed through this company. I have tried my hardest to play catch up but XX/XX/XXXX I took a pay cut. When trying to pay up my balance XX/XX/2016 that also became another issue with multiple problems. I kept getting quoted different amounts and no one could give me a straight answer. They tried taking a payment and it did n't go through. When I called to find out how I could resolve the issue they said oh just pay x amount and then I wo n't have to pay XX/XX/XXXX. Completely differen again from what I was told days before. And I did pay. Now they are n't keeping their word. I do n't trust this company or the workers there. I do n't know what to expect while I 'm on the phone with them. Majority of the time I 'm met with hostility and do n't feel comfortable speaking to anyone there.

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 2016-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
Was charged a {$50.00} return item fee by BB & T on a loan payment that is {$100.00} per month. I did make the error as I tried to make an electronic funds transfer however I incorrectly entered my account t number. There was plenty of money in the account and I a, 3 months paid in advance. It seems ludicrous that the bank can charge a fee at almost XXXX % of the payment and get away with it.

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 2017-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
NATIONSTAR is manipulating the numbers ( costs ) shows on my ESCROW ANALYSIS. I received my escrow analysis on XXXX/XXXX/17 and it was incorrect because it showed PMI. I requested an updated escrow analysis be performed on XXXX/XXXX/17. With the new analysis, to my surprise, the result is the same : " There is a shortage of $ XXXX '' ; however, the new anticipated annual disbursement without PMI is nearly {$1000.00} less. So I need NATIONSTAR to explain to me what calculation do they do to estimate the lowest projected balance and the minimum required balance. I have both escrow analysis for review upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
The lender has been provided sufficient documents for a decision to be made on the loss mitigation review - the docs provided give the lender more than enough information for them to complete the review, but they refuse to do so. the client has stated several times that due to the transfer of servicer 's that she can not obtain a mortgage statement on the property she lives in due to the new lender having to update there system- A new statement will be mailed to her on XXXX/XXXX/17, but the lender has been provided the statement the new lender has sent which shows the mortgage payment amount. - the lender also has a problem with the HOA statement provided because it is not from XXXX 2017, the statement is in fact from XXXX this. These are unreasonable request by the lender and they are not willing to complete the review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Nationstar reported for a year on my credit that I was late but I was never late. I continually called and called asking them to take off the late payment. It showed i was late in XXXX of 2015 but was not. Every time I would call they said they did, but would never provide proof that they did then they would tell me they would take care of it. It took me putting in a dispute to the credit agencies for them finally send me the notification. It took them a year for them to fix it and now my credit is screwed up because of this. I am now paying higher interest rates on XXXX loans I took out because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My mortgage company NATIONSTAR ruined my credit rating for no reason. 
I just received my annual credit report from XXXX in which it states, that I have not paid my mortgages for over 5 months and I 'm seriously delinquent. 
They also state, that I owe Nationtar an amount of {$2100.00} --, which is also untrue. 
Nationstar in fact owes me approx. {$800.00} in overpaid escrow fees, I owe them no money. 
And I have also never been late paying my monthly mortgages during the 10 year of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: CA

Complaint narrative:
Creditor originally was sending me a bill for emergency medical services that were pending to be covered under the state 's XXXX program and I was working with the hospital for coverage, but it was taking quite awhile. I called and notified them of this. The hospital forwarded the debt incorrectly to this collection agency when it has been covered by XXXX. Additionally, the hospital eventually provided me with grants to cover ALL outstanding debts. Also, legally in PA the hospital and it 's contractors can not charge me for uncovered medical services regardless of the cause because I was covered under XXXX. I have never been contacted by phone or mail regarding the debt after my notification to them of my pending XXXX coverage and they have not identified the debt nor have they provided me with any information regarding this debt. I called and requested proof of the debt. I have received no validation notice proving this debt before they reported this debt negatively to the credit bureaus. This is a violation FACTA and the Fair Credit Reporting Act because they are have provided inaccurate information regarding a debt I do not owe despite my attempts to contact them regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
I REQUESTED MY LATE BE WAIVED BECAUSE MY PAYMENT WAS NOT POST MARKED LATE. THE MANAGER XXXX XXXX, CALLED ME AND TOLD ME NO. I ASKED FOR SOMETHING IN WRITING THAT MY REQUEST WAS DENIED. I WAS TOLD NO. I ASKED WHY DID I NOT GET A LATE FEE FOR XXXX, SHE WOULD NOT ANSWER. THEY HAVE NO MAIL REPECTICAL AT THE ADDRESS. THIS IS WHY MY PAYMENT WAS LATE. MY PAYMENT WAS NOT POST MARKED LATE. THEY ARE CHARGING A XXXX DOLLAR LATE FEE AND EVICTION DUE MY PAYMENT BEING RECEIVED ON THE XXXX INSTEAD OF THE XXXX. THEY WERE CLOSED ON THE XXXX AND DO NOT ACCEPT POST DATED CHECKS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Universal Account Servicing, LLC
State: AR

Complaint narrative:
We were in a pet store, wanting a {$2000.00} XXXX. We were told that we could apply for financing. We did, and they told us we were approved. I asked how much my interest rate and payment should be, and the salesman told me he was n't sure, but it should n't be much. The salesman took me around the store shopping for accessories while another store employee helped my husband load a cage into our car, and yet another salesman was assembling a pet carrier, that we also had to purchase, to place the bird in for travel. They kept us very busy. Finally after they had the cage loaded and the bird in the assembled pet carrier, they called me into the office, to " sign '' the contract. The contract was on a computer, and they scrolled through telling me where to click. I never got to see and touch any paperwork to really look over it. After it was all said and done, I later found out my payment that " should n't be very much '' according to XXXX salesman was {$180.00} per month and my interest rate that " should n't be very much '' according to previously mentioned salesman, was 59.99 %. I was in total shock over that interest rate and knew I could n't afford that kind of payment. I 've made calls to the store, I 've made calls to the finance company AFTER I got a bill from them. I go to their website, and there 's not even a way to review my contract terms. I can not get any help at all. I 've shared their website with a few people and I 've asked people about the interest rate, and everyone thinks the website is bogus and the interest rate is illegal. I need help figuring all of this out. I am very upset with the pet store for how they handled everything, and they wo n't take the bird back. It has been 3 months now, but I was willing to return the bird as soon as I realized all of this. Here is a link to their website : XXXXThe pet store is XXXX in XXXX XXXX , Kansas and the finance company is XXXX. When I went to the XXXX to try to submit a complaint, I put in XXXX of the addresses on the statement sent to me by the finance company and it was n't a legitimate address. I reentered it thinking I 'd made a mistake, and I still got an error. So, I used the other address on the statement, and it did take that. The address that I am supposed to submit payment to, is the one that I kept getting an error on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
On XXXX XXXX, XXXX XXXX XXXX BANK purchased our mortgage loans from XXXX XXXX XXXX. Since XXXX 's purchase has been battle between lender and borrowers. Finally, after a long battle, on XXXX XXXX, XXXX under the Home Affordable Modification Program ( HAMP ) we were qualified to reduce our monthly payment for a fixed rate until Nationalstar Mortgage ( in this year ) got our loan from XXXX. 
Right away our monthly payment made a drastic jump from {$1000.00} plus to {$1200.00}. On numerous occasions I have tried to discuss the situation with the office manager, but he or she is unwilling to cooperate. Finally, I spoke to a loan specialist explaining me it because " California had tax higher collection '' and we need to maintain some amount in XXXX to " pay city '' tax. I was off balance because where they gave such of increasing. They have not sent us a statement or affordable application XXXX. I want to know : If there was an agreement left from XXXX Why they refuse to give us an enclosed ( purchase agreement between XXXX and Nationstar? 
Why they are offensive Why the monthly payment has increased besides escrow. 
In short, I can not solve the problem myself, and I want to avoid hiring a lawyer unless it becomes absolutely necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Dear Consumer Financial Protection, I am writing and lodging this formal complaint over what I believe is my mortgage company, Nationstar Mortgage Company ( " Nationstar '' ) deplorable and likely illegal conduct in refusing my monthly mortgage payment ( as will be detailed below ) to create a situation that allows them to foreclose upon my house even though I can make my payments. 
By way of background, I had been speaking with Nationstar on regular basis in regards to my account. In XXXX XXXX I was instructed by Nationstar to make a payment through XXXX XXXX XXXX XXXX for XXXX, XXXX. I made the payment on XXXX XXXX, XXXX which covered the month of XXXX. I called Nationstar and informed them that the payment was made ( keep in mind I was only a month behind in my payments ). At that time Nationstar instructed me to make XXXX payments in XXXX which would have brought me current. XXXX XXXX, XXXX I went to the XXXX XXXX to make a payment I only had the money for XXXX 's payment, Nationastar would not accept the funds, and then they ( Nationstar ) returned the payment I had made in XXXX. 
So now not only am I calling everyone including XXXX to get answers and explaining if Nationstar just have accepted the payment I would not be in this predicament today owing over eight thousand dollars. Nationstar has made this situation worse than it was. Also, Nationstar has stated that I owe for the month of XXXX I have sent them several copies of my payment, and they refuse to note that to my account. Today I am facing all types of mortgageproblems. Nationstar is refusing to assist me stating that they have given me XXXX modifications. The only modification I can say I agreed with was in XXXX after a terrible divorce. I was unemployed in XXXX XXXX until XXXX XXXX. XXXX XXXX I went to the hospital XXXX which caused to some hardship in mortgage payments. But, never did Nationstar assist me with XXXX modifications. 
It is clear that Nationstar is aware that I have a good deal of equity in my house ; that is why I believe ( as does my attorney ) that Nationstar is being so aggressive in creating this situation and why, over a relatively small sum ( now about XXXX mortgage payments ) they are refusing to work with me. As an aside, even though my finances are tight, Nationstar 's conduct has resulted in my having to retain a law firm who has experience in obtaining loan modifications in Maryland. He too shares my view of Nationstar- please compel them to explain their actions and also to allow me to have my attorney submit my full loan modification package, which is all together and ready to go but Nationstar refuses to review.

Company response to consumer: Closed with explanation