vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Nationstar refuses to postpone Trustee sale despite the fact I have a signed contract and approval from Nationstar to short sale the property. One two separate occasions, the agents lied to me ( borrower ) by telling me that they are unable to postpone the auction without approval from XXXX ; however, XXXX told me that it is the servicer who requests the postponement of the trustee sale. It was n't until I spoke to XXXX at Nationstar today, XXXX XXXX that explained that Nationstar will NOT postpone a sale despite a signed contract if Nationstar has already postpone it twice. My XXXX seller 's offer of $ XXXX backed out after the short sale process took 2 months to even get a counteroffer from XXXX which XXXX turnaround is 3-5 days. My XXXX offer of $ XXXX was signed on XXXX XXXX, 2016 ; however, it was n't until XXXX XXXX Nationstar submitted the offer to XXXX, which XXXX counteroffer came in on XXXX XXXX. When I asked the agent why it took that long, the agent agreed it took too long and could n't explain why. Remember this is the XXXX offer Nationstar has submitted on this property, there 's no reason why it needed to take 16 days to submit an offer on a house they have already submitted to XXXX. Furthermore, the Trustee Sale is approved to start at $ XXXX, but Nationstar refuses to push back the Trustee Sale when I already have a signed contract with a Buyer for $ XXXX. A nice family is going to learn that they lost the house they put down XXXX % in escrow because Nationstar is unwilling to postpone the Trustee Sale. Nationstar needs to postpone the Trustee Sale and allow me to short sale the home which is what they agreed me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AR

Complaint narrative:
Nationstar Mortgage company has continuous stated that I owe a balance for XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015, & XXXX 2015. I have contacted multiple representatives and supervisors from the customer service department, fraud department, and foreclosure department. I have provided money order receipts for each XXXX of the payments they state I have not paid. Each time I have called, I owe a different month or it is under investigation. I recently received another letter stating that I have overpaid {$4000.00} in escrow and they were taking that money for my outstanding loan payment. I believe this company is acting fraudulent and trying to scam for extra interest or late fee payments. I have all letters, money order receipts, to substantiate my claims. I would like this matter corrected urgently. I am a senior citizen and this is my home. I rely on my limited income and I can not be threatened to be foreclosed on and my home taken away when I have sent them the proof that I have timely paid my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
We are sending this information to you in reference to all of the illegal, and criminal activities of the Bank of New York Mellon F/K/A The Bank of New York XXXX. 

You should know that this has been a very long and drawn out case over the years since 2007, because of multiple law firms hired by the Bank of New York consistently practicing criminal behavior maneuvers on us as well as the many courts involved for this case. Therefore, we will try to keep this complaint as short as we possibly can without injury to ourselves. 

To begin we went to the closing table with {$130000.00} of our hard earned money the day of closing not expecting to be defrauded by XXXX XXXX and their closing attorney but we were and here is how. 

1 ). XXXX XXXX XXXX XXXX, Texas was not registered with the XXXX XXXX to do business in the state of Virginia as a loan broker or to do business in any capacity with the citizens of Virginia! This is called " embezzlement '' or " theft '', either way, it is a Federal offense, criminal and not civil. 

2 ). XXXX XXXX then secured a loan for us for the remanding {$490000.00} which was attached to a Deed of Trust and Note that were Illegal and Fraudulent because these documents were filled with XXXX ( XXXX ). Same Illegal XXXX scam that DOJ, XXXX XXXX, XXXX XXXX, and The Consumer Financial Protection Bureau has been compensated for by the XXXX and has not trickled down to American Citizens such as myself to date. Therefore, we were fraud victims from the beginning at the closing table according to the law. 
Look up the U.S. XXXX XXXX Appeals Court recently ruled in a case very similar to our situation, namely in the case of " XXXX XXXX XXXX XXXX '' ; the Appeals Court opinioned : " ... XXXX cognizable injury occurred when she purchased the loan not upon payment of XXXX-affected interest. '' 3 ). We unknowingly purchased an illegal XXXX SIX MONTH ADJUSTABLE RATE LOAN, by XXXX XXXX XXXX XXXX XXXX, herein after XXXX ' ( LOAN # : XXXX ). XXXX ( now a defunct and expired corporation ) was a XXXX License holder - granted by the XXXX ( XXXX ), the creator and XXXX XXXX of XXXX. Due to the illegal 'Rigging/Manipulation ' of XXXX XXXX ( as demonstrated in the XXXX XXXX XXXX CONVICTION CASES ), all U.S./American Consumers were damaged when they signed the Notes/Deeds of Trust for these illegal financial products. 
We made several notices to XXXX XXXX, their XXXX XXXX partners, Substitute Trustees, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, et al, that the subject ILLEGAL XXXX Loan was " Void XXXX '', and therefore immediate 'Rescission ' of said loan was required. These demands were all willfully and illegally ignored by all named parties, with the assistance of the " XXXX XXXX-in-house-conspirators, et al '', who all had full knowledge of the mandates made by the U.S. Supreme Court in the " XXXX XXXX XXXX XXXX XXXX, XXXX '' decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
W currently have a home loan with Select Portfolio Service. We are looking to refinance with another company to lower our interest rate and they informed me that with Select Portfolio in 20 years we will have to come up with a balloon payment of approximately XXXX dollars or lose our home. This information caught us completely off guard. We bought this house XX/XX/XXXX with a " coffee arm loan '' soon after we refinanced to a 30 year fixed rate at 4.75 % so we thought. I called Select Portfolio yesterday to discuss this with them and they proceeded to tell me we have a Loan Modification with a balloon payment due XX/XX/XXXX for XXXX. My husband and I feel we were misled in regards to the terms of this loan. The lender I am currently speaking with suggested I contact you, he calls this a " Toxic Feature '' I hope you can help us with this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I wanted to pay off my mtg. No information provided on statement. Had to call XXXX, Cust. Serv. Teleprompt - provide loan #. I did. Additionally, I had to provide last 4 digits of S.S #. I did. " XXXX '' identified herself. I asked for loan pay off quote, as written on my statement. She did not understand the ques.. I ask if she is located in the United States. Her response, no. I ask for representative in USA. I was supposily provided one, XXXX, and I have no way to verify that she was in the USA. In this era of identify theft why is my identifying information allowed to be collected from outside of this country? Should n't I have received a warning first? Company is Nationstar Mortgage. Please stop this from being allowed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: McCarthy, Burgess & Wolff, Inc.
State: NC

Complaint narrative:
Hello ... 
I was told to go to a company named XXXX and they would give me a Loan on one of my Rental Properties. I went to this company and they told me that I would receive a loan but I asked if I paid the Loan off early would that change my payback amount and they told me no. I refinanced my House and paid XXXX on a XXXX loan but they told me that I still owed them XXXX in which I didnt understand. 
They turned the Loan over to McCarthy Burgess and Wolff Collection agency and they keep telling me I owe them XXXX. I have all my documents from my bank that shows I paid off the loan. 

What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In 2014 I made XXXX payments by mistake, and ever since Ive been calling because XXXX of thosepayments was applied to principal when I never said that it was for the principal. Whenever I call, Imtold that everything is fine, but when I get me statement, they charge me for XXXX months and withpenalties. I always send them what is necessary for the monthI never send them any more. I needsomeone to call them and to have them tell me the truth, since theyre always lying to me. Thank you. 
Im writing in XXXX because I dont know how to write in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I recently re-opened a checking account with BB & T to go with the savings account I had with the bank. When I opened the account, I linked my savings account to the checking account for overdraft protection. I deposited the funds and used my debit card as normal. A few weeks ago I need to make a purchase with limited funds in the checking account. Mobile banking and online banking would not allow me to transfer funds from savings to checking to cover the transaction. 

A few days later, after all of my pending transactions posted, BB & T charged me several overdraft fees though I had overdraft protection. There was no real explanation given. I was charged nearly {$370.00} in overdraft fees though I had the funds in savings to cover all transactions and had overdraft protection. 

When I spoke with bank associates, I was told that they can only credit one fee ( which they did and later reversed ) and that my checking account was dormant though I had made deposits and withdrawals from the account at a branch. 

I understand paying for overdrafts if the bank pays for something for a person ; but if the person has the funds in a linked account and opts into overdraft protection, the person should not be charge such insane fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient received a total of XXXX payments from me that were never added to my account. The money was withdrawn, but my Navient Account history did not show them. I called ( with a wait time of over 1.5 hours ) to find out what was happening. XXXX of the many phone calls I made said an extra digit was added to my social security on my end. This was just not the case. They saw the money was taken and processed by Navient, but they never contacted me or tried to add this money to my account. I accrued more interest, since these payments were not processed. After another phone call they said XXXX of the payments would get processed soon, and to wait on the other payments. None of the payments ever came through again. So once again I called. Finally they found the payments and said they will be added to my account with expedited processing request. ONLY ONE PAYMENT GOT ADDED. The other payments are STILL not being processed. The only advice I was told by Navient was to CANCEL autopay, and re-enroll in order to lower my payment amount. I followed there direction, but my interest rate when up after removing autopay. I tried to re-enroll in autopay to get my interest rate lowered again, and they said they ca n't process this for two months. I filed a formal complaint with Navient, and they stated they will put another request to process my payments with an expedited request, but still no payment has been processed!

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

Complaint narrative:
Dear XXXX XXXX and CFPB representatives, I am writing this letter to inform you of the wrongful foreclosure that is occurring on my mortgage loan and to formally request that Nationstar Mortgage remove the foreclosure sale date presently on my mortgage loan against my family home/property scheduled for XXXX XXXX, 2016, to allow for a complete RMA review. As of XXXX XXXX, 2016, I submitted a compete request for mortgage assistance ( RMA ) per multiple account representatives at Nationstar Mortgage to include XXXX XXXX and XXXX ( XXXX XXXX on XXXX XXXX, 2016, and XXXX - Agent ID # XXXX on XXXX XXXX, 2016 ). 

I have every intention of retaining my home and have already submitted a complete Request for Mortgage Assistance ( RMA ) as of today in an effort to restructure my mortgage debt to retain my home. The only document that had been missing from my RMA was a current dated MHA HAMP RMA ( only requested 12 days ago on XXXX/XXXX/16 ), which has already been submitted to Nationstar Mortgage and is attached for confirmation. This document was delayed as a result of the lack of communication by Nationstar Mortgage to convey what was needed to submit a complete package. I was advised on XXXX/XXXX/16 that I submitted a complete package, which means that the foreclosure sale should have been removed at that time by Nationstar Mortgage to not engage in unlawful dual-tracking practices. Additionally, I was also advised that Nationstar Mortgage created a missing documents letter but NEVER SENT IT OUT to me perpetuating the wrongful foreclosure, which in unjust at a minimum. 

I have now submitted a complete Request for Mortgage Assistance ( RMA ) to include the current dated MHA HAMP RMA that was the justification for moving forward with the foreclosure from Nationstar Mortgage to date. Per the California Homeowner Bill of Rights, RESPA and the CFPB ; foreclosing on my mortgage loan while currently in a RMA review would be wrongful, in violation of multiple state and federal laws, and illegal. 

Please help me to postpone Nationstar Mortgage 's foreclosure sale date immediately to allow for a complete review for mortgage assistance on my mortgage loan. Please also ensure that Nationstar mortgage provides a missing documents letter to me detailing what documentation is still missing on the file to deem it complete since it is confusing as to what is needed when and in what time frame. 

Thank you in advance for your assistance with this matter. I look forward to hearing back form you in an expeditious manner since time is of the essence with the sale date pending for tomorrow!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I have a Fixed Mortgage Loan in the amount is XXXX I have been paying Mortgage Insurance Premium ( MIP ) {$670.00} The Mortgage company did n't remove the MIP when a reached XXXX % of the mortgage loan. According to the MORTGAGE INSURANCE ANNUAL DISCLOSURE Automatic Termination of PMI : If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach XXXX % of the original value of the property. If you are not current on your loan payments as of that date, PMI will automatically terminate when you thereafter become current on your payments. In any event, PMI will not be required on your mortgage loan beyond the date that is the midpoint of the amortization period for the loan if you are current on your payments on that date. 
I Reached XXXX % on my loan {$89000.00} back on XXXX XXXX, 2013 XXXX/XXXX/2013 Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2013 Payment XXXX XXXX XXXX XXXX XXXX XXXX The Balance in my house is {$24000.00} and I am requesting the full refund of my MIP overpayment since I reached XXXX %. 

Thank you in advance for you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: IL

Complaint narrative:
I attempted to lower the current, 7 %, interest rate of my home by refinancing. I was contacted by Cardinal Financial Company to refinance my mortgage ( recorded ). I told the Cardinal representative about prior attempts to refinance and prior appraisal fees paid. I was NOT willing to pay for another appraisal. I also gave the Cardinal representative underwriting information that would be on my title search. I was trying to be as transparent as possible. This representative assured me that I should have NO problems acquiring refinancing. I subsequently paid the {$470.00} for an appraisal. After 82 long days of meandering, Cardinal denied my refinance. I feel that if lending institutions did the underwriting, credit check, etc. FIRST ; they would then ascertain what an appraisal amount should be. Instead they collect appraisal fees FIRST. Sounds like a scheme to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX my husband deposited {$400.00} through a Chase branch ATM at XXXX XXXX Florida XXXX at around XXXX. He read and took with him the receipt but ended up misplacing it and loosing it. On arrival home he checked the account online only to find out that my bank account was closed and a negative balance of {$140.00} still remained. I called the bank right away and they confirmed my account was in fact closed and the {$400.00} were nowhere to be found. They explained that there was no deposit dropped in to my account on this day, at this time. ( The argument is that when an account is closed the ATM should not accept any money but this was not the case ). The ATM failed to notify me that my account was closed too so i proceeded to make my deposit. I went to the same branch to get someone to help me but they said for me to wait for the claims department. I sat in the XXXX branch with another representative for about an hour while he spoke to the claims department and this was useless as well. I have called the claims department at XXXX well over ten 10 times through out the last year and I get the same response every time - they are still reviewing your case, someone will contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
My main concern is that Nationstar Mortgage is not my creditor nor the holder of my mortgage. Nationstar Mortgage is filing forged documents with my Recorder of Deeds ( Mortgage Assignment ). The assignment has been proven fraud and to make more insult of this situation, they have charged my alleged mortgage account for the filing and completing of the charges to file the forged assignment. The entire mortgage from inception was a sham and we just recently received information from the XXXX settlement that state that there is no way that the loan was originated with XXXX XXXX XXXX XXXX. I have provided this proof to Nationstar Mortgage and yet they continue to send me billing statements claiming that I owe a mortgage to them by way of assignment from XXXX XXXX XXXX XXXX. They even threatened foreclosure on my home without any right to collect but the evidence that I provided the court made Nationstar Mortgage mark that case settled, discontinued and ended without prejudice, so that they can now go back and create more fraudulent documents to probably start again. This company is violating debt collection rights and other offenses. I asked this company to provide my original paperwork and they even forged that information ; on their forged original application it states that we are both white and I am XXXX and my husband is XXXX. I am submitting a copy of all forgeries for your review. This company has also offered me an illegal payment plan including a new mortgage agreement which they would not be entitled to payment for. I asked for a copy of their business records and even in the records are transactions that say advise to call XXXX to create a mortgage assignment. The records also include a line saying that they are aware that the title is corrupted and that the assignments are fraud. I asked them to provide an original copy of the note and mortgage and both were forged and the mortgage even shows a different return to address, different signatures and initials. They were even so sloppy that they put part of the notary seal on opposite sides ( compare the mortgage fake document to the mortgage recorded mortgage to see the forgery ).

Company response to consumer: Closed with explanation