vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
I applied for assistance in saving my home with my servicer SPS. I hired an attorney to assist me with the process. On XXXX XXXX, 2015 I was denied for a loan modification. However, the lender missed part of my income in the review. My denial letter offered me 30 days to appeal the decision. My attorney submitted an appeal in writing to SPS on XXXX XXXX, 2015. I have attached the email confirmation showing my attorney sent the appeal and all corresponding documentation on XXXX XXXX, 2015 at XXXX. I have also attached my attorney 's internal notes where they called and confirmed my appeal was received and under review on XXXX XXXX, 2015 at XXXX. SPS issued me a letter on XXXX XXXX, 2015 ( See Attached ) - letter dated XXXX XXXX, 2015 - stating that my appeal was denied due to the appeal was not received within the 30 days after the denial. My attorney contacted SPS and SPS states that they are refusing to review the appeal because they did not receive the appeal in the 30 day period after the denial. My attorney advised them we have confirmation the appeal was in fact received by them on XXXX XXXX, 2015 at XXXX. SPS states their computer system takes up to three days for it to show up on their side so that was after the 30 days was up and therefore they are not willing to review the appeal. My attorney advised them that simply because their IT department decides to hold up all electronic correspondence for three days does n't mean they can use that as an excuse to evade review of a validly submitted appeal. SPS is unwilling to consider my appeal. My attorney states they are in violation of Respa Reg X ( 1024.41 ) and are in fact evading review. Please enforce any penalties against SPS for violating this Respa law. This is not only unethical they would hold my application for appeal past the appeal date, but it appears to also be illegal.

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

Complaint narrative:
I filed a lawsuit against Nationstar Mortgage for mortgage fraud that was settled out of court. During the course of actions that I sued them over they took a complete payoff of my mortgage debt, not a short-sale or other negotiation, they accepted in full the amount to satisfy the debt to their satisfaction from another company that I had never been in contact with. The problem is that they still show on my credit, two years later and after we have settled out of court on this matter and several others where they admitted guilt, that they foreclosed on our property and that we owe the total balance, neither of which is true. This is barring me from purchasing another home. This false information has been requested to be removed on multiple occasions. I can show legal court papers showing their payoff was complete two years ago. I believe that this should be enough to get them to remove the negative reporting from my credit, as I was not even delinquent to them at the time of this issue arising.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
My mother and I are currently in the middle of a bankruptcy. We are being contacted by representatives of our mortgage company saying that we are being foreclosed on. We had communicated with our mortgage company several times that we would prefer a deed in-lieu process. Our mortgage company claimed we were assigned to an expert that would help us in this process. The expert has never made contact with us and attempts from us to contact the expert resulted in automated emails or voice messages claiming the expert was on vacation or unavailable. I called our mortgage company by phone and I was told by a representative that the expert could not help us and we would have to apply for a modification before going through a deed in-lieu. We applied XXXX times for a modification process and our mortgage company continually denied our modification claiming that we did not provide paperwork despite proof presented that all paperwork was turned in with certified delivery. The mortgage company has made no effort to accept a deed in-lieu and is continuing with foreclosure proceedings. Our bankruptcy lawyer has also made no attempt to contact us or help us regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
To Whom It May Concern : Re : NationStar Mortgage Co. Loan # XXXX I am requesting that someone investigate this matter. I feel that NationStar Mortgage Company have discriminated against me concerning a Loan modification and a Short Sale. I owned a rental property at XXXX XXXX XXXX, XXXX, NC XXXX. It took them three months to make a decision about the loan modification because they would n't accept my information because I did n't have a mortgage statement on my primary resident. However, NationStar did n't want to accept the documentation I provided to them because they wanted a mortgage statement on my current resident. I sent NationStar all necessary documents showing them that I owned my primary resident. But, the underwriting in that department still requested that I send them a mortgage statement. At this point, XXXX XXXX XXXX my loan Specialist had to contact her boss regarding this matter before the underwriter would receive my documentation concerning the Loan Modification. The things this mortgage company put me through was truly uncalled for. Nevertheless, when it comes to the Short Sale they waited almost another 70 days before making any decisions about the Short Sale. They only gave the Real Estate Agent XXXX XXXX XXXX not even 30 days to sale the property. I was n't given due process in selling my property or receiving a Loan Modification on a home I owned for nearly 13 years. I stated in the beginning of this letter this company has discriminated against me as a US citizen. I know they do n't do all of their customers this way. I explained to NationStar that I had developed a number of health issues which has put me in position where I 'm not currently able to work. I tried to give them a partial payment and they would n't accept no payment unless it was the full balance. I tried everything I possibly could to get this company to work with me. But, they constantly discriminated against me in every way that was possible. Please investigate this matter for me. It not right for them to discriminate against me I 'm a US citizen and I have rights. If nothing else I do n't want this to happen to anyone else. 

Thanking you in Advance XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2016-10-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XXXX XXXX, XXXX Complaint Nationstar/ XXXX XXXX ( formerly XXXX ) I just want a mortgage amount of {$2000.00} and excessive forbearance reduced by 50 % with the my payment of the balance of the excessive forbearance waived for 2 years. 
Working diligently to get an affordable mortgage since XXXX. 
A reason given for not giving a affordable mortgage is excessive forbearance which would could have been prevented if I my income was calculated correctly and I was given an affordable mortgage. 
XXXX XXXX were given our first modification of {$1900.00} which included taxes and insurance, which had an excessive forbearance. We appealed this mount because the income was not computed correctly and should have resulted in a payment of {$1700.00} which we could afford. The income used was {$6200.00} but should have been {$5600.00}. 
My request to review this income calculation sent me through a dreadful cycle of unconscionable modification offers from {$50000.00} up front, my home being vandalized XXXX times ( by mortgage property inspectors ) to the present unaffordable modification of {$2500.00} with a forbearance of {$300000.00}, Just recently I was offered a {$2500.00} modification trial on XXXX/XXXX/XXXX and then was sent modification denial letter dated XXXX/XXXX/XXXX. The {$2500.00} modification trial on XXXX/XXXX/XXXX was for 40 years when I was told the previous modification trial offer of {$3100.00} could not be lowered. 
The XXXX report a Nationstar denial letter dated XXXX/XXXX/XXXX shows my home value at {$500000.00} when the Median price is {$270000.00}. 
The mortgage seems to have been sold to XXXX XXXX ( I was not notified ). XXXX XXXX filed a XXXX/XXXX/XXXX foreclosure which came to my attention from a XXXX foreclosure/modification advisory notice. 
I hope I can get The Bureau to help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: KS

Complaint narrative:
ever since XXXX mortgage sold our account to nationstar we 've been getting harrassed with written statements none stop. we went through bankruptcy XXXX last year in XXXX to be done with this but nationstar still harrasses us to this day. charging up insurance and other stuff to a non existent account. we 've had XXXX lawyers send them letters telling them to stop harrassing us but they twisted that into only verbal and not written. so now i ca n't contact them but they still harrass my family non stop with written statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
Nationstar Mortgage has mis-applied my advance mortgage payments previously. They have done so again, and It is important to me that the funds are applied correctly, as I am retiring. I must check online both XXXX bank and Nationstar ( first and second Mortgages ), or they change the way they apply the extra funds. The agent from another country jhad so much background noise going on, and was unwilling or unable to correct the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
My loan was recently transferred to Nationstar XXXX/XXXX/16. Prior to transfer I had property damage to my home XXXX/XXXX/16. My first contractor did not complete the necessary work, I hired a new contractor. I sent the documents to Nationstar who stated they would not begin paying since my claim was over {$300000.00} to my new contractor because there was no license submitted. Myself and my new contractor informed them my state no longer provides licenses, however they insist they did. My house can not be fixed since they will not disburse any funds without license. In my states old law required contractor license over {$30000.00}. I informed them I would just hire several contractors whose claims would not total over {$30000.00} each they said they still would not pay claim without license. I need to have my home repair so I can move back in my home. But do n't seem to be able to get funds to repair which my Nationstar will not release. My insurance adjustor has only allowed 3 months for repairs to be completed and my time is running low.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
I received a mortgage advertisement from Quicken Loans that is very misleading and factually incorrect. I work in finance so am able to see the errors in their ad quickly, however the mortgage market and economy does not work this way and I would n't expect an average borrower to be able to sort out Quicken 's erroneous representations. I would be happy to forward the email ad to you but I do not see a way to attach. I am sure they are going to get a nice boost of business before Fed Day. 

Here are the false presumptions the ad makes and can mislead a borrower. 

It implies that you can, as a borrower, front run the fed. 

Has the audacity to talk about market expectation STILL imply that even though everyone thinks that the fed will raise you can lock in now before hand and realized the benefit Conflates the fed funds rate with long term mortgage rates. Fed funds has a very loose connection to long term rates. 

Has a total non sequitur between post election vol and Fed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: AR

Complaint narrative:
I received an invitation to calculate my mortgage payment via email solicitation. ( See attachment ). I was not informed that my personal information would be sold and sent to other mortgage lenders who in turn checked my credit report. This has resulted in my credit score being impacted significantly. These practices are totally unfair to consumers and I am requesting your assistance in resolution of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
Nationstar is my mortgage servicing company since home purchase XX/XX/XXXX. I escrow my taxes and insurance and have done so with no changes in HOI company or escrow status since I purchased the home XX/XX/XXXX. This year my XXXX renewal was due XXXX/XXXX/XXXX and nationstar failed to make payment on my homeowners insurance. The policy lapsed as payment was not issued until XXXX/XXXX/XXXX and not received by XXXX until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX i recived a letter from Nationstar regarding forced placed insurance. When I called I was told my HOI had not been paid this year. I ESCROW MY HOI WITH THEM! After escalation I was told the reason it was not paid was they did n't get a renewal. They also said the only attempts they made to get the renewal were the 2 calls to my insurance agent on XX/XX/XXXX and XX/XX/XXXX. My policy lapsed on XX/XX/XXXX and they made no attempts to obtain renewal or make payment on my HOI after the 2 calls to my insurance agent on XX/XX/XXXX and XX/XX/XXXX. My HOI had not changed, same company they made payments to in prior years. They never called XXXX to get renewal and didnt notify me until the forced placed letter arrived on XX/XX/XXXX. When i called them XX/XX/XXXX they advised payment was issued XXXX/XXXX/XXXX. That was a lie! Payment went out on day of call XX/XX/XXXX ( regular mail ) and was not received by Acuity until XX/XX/XXXX. There was nearly a 1 month lapse in my HOI coverage due to Nationstar 's incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 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:
I believe BB & T is intentionally reordering transactions to cause overdrafts. Let me explain ; We were customers of The XXXX for 5-6 years and we never had problems with our account, but recently they were bought out by BB & T. Since the bank switched to BB & T on XX/XX/XXXX we 've had nothing but problems with both the level of customer service and OUR ACCOUNT in general. We have a business banking account and a personal account and both have been hit with fees totaling over {$600.00} since XX/XX/XXXX. This is after not having any overdrafts the previous XXXX years. The way they 've brought transactions through reminds me of XXXX XXXX XXXX, 6-7 years ago when they were reordering transactions from highest to lowest because they knew they would generate more fees. BB & T is doing the same thing to consumer, now, and they need to punished. I would print off my overdrafts to show you, but I think BB & T charges me for that service too. I would highly recommend you investigate BB & T as word is spreading quickly around XXXX Kentucky- other banks are getting new customers as people close their accounts at BB & T . We 've heard from a handful of different people complaining about the same thing and our credit union has even told us they 're hearing a lot of negative things going on with BB & T. Please do n't hesitate to contact me if you need me to provide more info. My email is XXXXXXXXXXXX and my phone number is ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I received a solicitation from Quicken Loans for a refinance, which grossly misrepresented the facts, and was basically a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Hello : I have recently received a letter stating my loan was transferred to SPS ( and during a previous attempt to satisfy my XX/XX/XXXX payment via XXXX XXXX ). A fixed 20 year term XXXX Mortgage Loan. 
With a new loan Number within SPS of XXXX. 

My due date is the XXXX of each month and a grace period of fifteen days. 
At XXXX I contacted SPS and spoke with a representative, whom stated a payment by phone, online, and or mail will not be applied to the account until the eleventh of the month ( at the earliest ). Claiming our account information has not fully uploaded from XXXX XXXX to SPS, therefore any attempts to set up online, or a payment by phone is not an option. 
And if a payment is received, it will not be applied to the account until XX/XX/XXXX. 

Here are my concerns : We will continue to accrue daily interest, due to SPS not having the capability to upload any mortgage information, until the eleventh ( transfer date occurred on XXXX XXXX, 2016 ). 
When the representative was confronted of my concern, she responded by stating, SPS was in compliance of RESPA. 
QUESTIONS : Does the correspondence, advise the borrower of the delay to apply credit to the loan, ( I have read the correspondence and saw no verbiage )? 
Why would your system take eleven days to upload from XXXX to SPS? 
If there are system limitations, do you feel you have the opportunity to upload mortgage loan in increments? 
Is SPS in compliance of REG Z ( Are you back dating payments? ). 
What does RESPA have to do with the transfer of my loan? 

Overall, I feel this appears to be unfair and deceptive practices. 

As stated earlier, I am concerned due to SPS not having my loan information immediately after transferring the loan, I am negatively impacted with accrued interest. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I was promised credits for a refi loan 1. {$500.00} promo credit and # 2 {$1500.00} lender credit. Now XXXX hours before closing they tell me the lender credit is {$740.00}. I have been promised both credits in the entirety several times in disclosures, emails and by phone bow that I am set to close the credits are going away. Deceptive practices

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar Mortgage LLC is still listed on my credit report even though it is past the FCRA retention time associated with the account. There is also a past due amount of {$19000.00} listed although the account was sold. There is a collection agency XXXX XXXX XXXX XXXX reporting the same exact amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
In XXXX we filed a chapter XXXX in XXXX ind, case XXXX, XXXX XXXX was Tha morgage holder, we paid payments every week on time for 6 years and 7 months, we completed our bankruptcy, it was discharged, XXXX and XXXX services were afilliated also, since then a few banks have filed foreclosure on us, but never got past the bankruptcy, since then, XXXX n XXXX and now nationstar claims we owe XXXX the loan was onlyXXXX, now they have harrasement us by mail n phone, they obtained a forclose without us being notified by the XXXX county court in XXXX ind, the only papers we recieved was from a lawfirm of XXXX XXXX XXXX, none of the papers were court filed or stamped, now they have our house up for sale in XX/XX/XXXX, nationstar the man 's name is XXXX XXXX , we only recieved a court paper stating nation star was substitute for us bank, it 's a federal crime that they somehow for closed on my morgage, without a court hearing, ,cause number XXXX, from what I could tell XXXX XXXX copied papers from a XXXX for closure that XXXX XXXX tried but was thrown out by XXXX XXXX, ,I 've obtained my documents from the federal court, and I will be taking them to judge XXXX office and the county clerk, nationstar is commiting a federal crime, please help us, sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
Account Number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
Charged {$320.00} in overdraft fees because my account was showing I had more money than what was available and the bank said it 's because some items were pending and the charges occur often the items go through regardless of the order of the purchases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation