vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
At the beginning of XXXX we received news from our home builder that we would close on it on XXXX XXXX. On Friday, XXXX XXXX, we received from the builder 's ( XXXX XXXX ) lending company XXXX a tax form to authorize them to obtain copies of our XXXX tax statements. By Monday, XXXX XXXX, we had found out that the form was being sent in too late to get copies and still make an XXXX XXXX close date. We also found out that the documents we were requested to send in and that we promptly sent back at the beginning of XXXX were the last XXXX months of bank statements, a copy of our HUD1 form and the contact information for our insurance agent. I had asked the representative to send me an email confirming receipt of the documents and she did. On Monday, XXXX XXXX we found out that all of the documents we had turned over had not been turned over to the underwriters at XXXX and our loan sat for XXXX weeks with no attention to it and no communication to my husband and I as to the status. My insurance agent also called me on XXXX XXXX to relay to me that she received a request for insurance certificate on the new home. The fax that XXXX sent to my insurance agent was dated XXXX XXXX and the fax requested that the insurance company provide a certificate dated as of XXXX XXXX when our original close date on the new home was XXXX XXXX. I have a couple of issues with this fax 1 ) the person who faxed the request to my insurance agent was the same person that I had just spoke with for the first time on XXXX XXXX and had informed me that none of my documents ( e.g., bank statements, HUD1 form etc. ) were on file ; and 2 ) the fax mentioned an effective date of XXXX which does n't correspond with a fax date of XXXX nor a close date of XXXX. On more than one occassion we have been asked to submit documents ( e.g., bank statements, W-2 's etc. ) after we have already submitted them and I never seem to deal with the same person. It appears as if XXXX XXXX has multiple people working on the loan but no one knows what the other is doing. It is at the failure of XXXX that we are now having to move our close date back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: KY

Complaint narrative:
Since XX/XX/XXXX I had my FHA mortgage with XXXX XXXX XXXX. In the middle of XX/XX/XXXX, whilst I was in the middle of a VA mortgage refinance with XXXX XXXX, unbeknownst to me XXXX XXXX XXXX, transferred my loan to Nation Star effective XX/XX/XXXX. XXXX XXXX paid off Nation Star on XX/XX/XXXX, before my first mortgage payment with them was due. However Nation Star has not refunded the balance in my escrow account and said that on XX/XX/XXXX they sent this money to XXXX XXXX XXXX to pay a Corporate Advance for an appraisal & I needed to call them. XXXX XXXX XXXX has told me they did not require any money, they did not request any money and they have not received any money ; that my loan was paid in full. I have spoken to at least XXXX different Nation Star Customer Service Agents and XXXX people in their Escrow Department and no one can tell me where my money is and why it has not been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX and XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO RECOVERY or any company associate with this account # XXXX and XXXX and XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
We have tried for nearly 2years to get a loan on our houses without success. Have also tried to, refinance our business property with out success. We are both in our XXXX. My husband is self employed and I am still working full time. Our home is not mortgaged and our business is with a high interest. The properties are worth XXXX XXXX.We have tried various loan sources who promise a lot. My husband is a veteran and we can not get at VA loan. We get no response as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar has a sale date on my home for XXXX XXXX, XX/XX/XXXX the Notice of XXXX was filed illegally with the wrong amount on it. The past due amount we were given was {$230000.00}, the Notice of Default which was filed 5 days prior the amount was {$310000.00} there was a XXXX difference increase without any justification. We challenged the validity of the debt which was never resolved, our loan was transferred by XXXX XXXX XXXX without a decision for 3 years to Nationstar, we filed a complaint # XXXX on XXXX/XXXX/XX/XX/XXXX The Notice of Default trustee was XXXX XXXX XXXX XXXX. The Trustee has changed to XXXX XXXX XXXX XXXX XXXX XXXX without any notice of a change of Trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
It has been very difficult for me to pay my mortgage by the due date of the XXXX of each month. I make payments on my account every month before the XXXX of the month. Nationstar charges me {$71.00} in late fees and {$9.00} processing fee for the 5-10 days that I 'm late. Currently I owe late fees of over {$500.00} in late fees and I do n't see being able to gather enough income by the XXXX of each month any time soon due to my financial situation/income. So every month to compound my financial struggle Nationstar starts to call me daily starting the XXXX of each month and I tell them that I wo n't be able to make a payment till the XXXX of the month. They call me each day after the XXXX of the month to harass me for this. It is very anxiety proking. So I am charged over {$80.00} and harrassed each month on top of struggling to pay my mortgage. I have been refused for a XXXX loan 4 times because they consider it a XXXX home because I airbnb out my home to help pay the mortgage even though all the utilites are in my name. All I need is to extend my payment grace period to the end of the month so that I can avoid late fees that I simply ca n't afford. My loan ballooned from {$1600.00} to {$1800.00} causing this issue. Also the only option I 've been given by nationstar is to pay extra {$2200.00} for 4 months so that I can pre pay 1 month of my loan adjusting the grace period. That is not a realistic option for me as I 'm struggling to pay my mortgage as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Quicken Loans used misleading tactics to attempt to have me sign an intent to proceed. Without prompting and months from expected closing date from a new construction home, I was contacted and told a few details about a loan estimate. However, most of the focus of the conversation was focused on signing documents within the next couple of hours and sending documentation to continue moving forward with the process. I did not know what that really meant, but when sent the information, I looked up what an Intent to Proceed meant. I clearly was not ready for this as I had not even received other lender 's loan estimates nor was I ready to start paying fees so far from being able to lock in a rate or close on the house. I told him as much, and the response I received was : " I 'm not too sure I know what you mean at not wanting to proceed. Even though the home is n't constructed yet, the most prudent thing to do would be to make sure the loan is approved through the underwriters and to lock in the credit I was able to get for you. What is your concern? '' This is clearly deceptive and unethical. No further response was received after I made it clear that " to lock in the credit '' was clearly not able to be done, that I did not want to pay fees so far out, and that other lenders wanted to give a more fair loan estimate at a date closer to locking in rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My loan was sold to XXXX and I have not received any information on how to make payments, including a new loan number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
on XXXX/XXXX/15 my paycheck was deposited in to my checking account i have wit bb & t bank .i made a series of purchases and payments that i had enough to cover from my paycheck which was XXXX .upon continuously checking the account my wife confirmed that the balance was going down as expected as normal .as the weekend approached we had XXXX bills that popped up unsuspectingly so we paid those not realizing we did n't have the funds to cover them fully until we checked the account later however all the prior purchases were covered as the available balance was decreasing as the purchases were being cleared. the last available balance was XXXX and the pending purchases did n't exceed that or equal it. the final to payments we made which ended up in overdraft would normally have placed us in the negative at least XXXX but instead we received an overdraft notice for XXXX for XXXX purchases that was supposed to be covered with XXXX that was left in the available balance.After at least XXXX phone call and tears from my wife 's eyes because we could n't get help as every person we talked to tried to cover the banks crooked practice in bank babble we finally talked to a young woman who acknowledged that because we overdraft on the final XXXX purchases the previous XXXX also went into overdraft which is basically saying the XXXX just disappeared into thin air and does n't matter and they charge us overdraft fees for things that were already paid for out of the available balance and the last XXXX purchases are still pending so that would be an extra XXXX in overdraft fees totaling to XXXX. if we made a mistake we have acknowledged it and were willing to pay the balance on the last XXXX purchases but the prior XXXX purchases were paid for as we had the money to pay for them and the digression of the available balance reflected and even thev last teller acknowledged that had we not made the final XXXX purchases we would still have been in the positive so what we have here is FRAUD basicaly they held all the smaller transactions that were made earlier during the weekend until we made the bigger purchase then they cleared the small purchases to be able to charge us overdraft fees for all XXXX of them .then a week later we received a penalty for a transaction we were told they could n't block although we told the it was fraudulent and the result of a dishonest broker who told us we were purchasing health care when in actuality we were purchasing life insurance .Ive reviewed many complaints about this bank by many people and have even seen a lawsuit over this same fraud. this bank is breaking the law and no one is doing anything about it .they even altered the transaction records to confuse us but we were constantly checking our transactions on the android app so we know we were doing the right thing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I attempted to get a modification from XXXX when my husband was XXXX and our income reduced to XXXX person working. XXXX XXXX XXXX could not figure out who our investor was. They claimed we had XXXX investors ; XXXX XXXX and XXXX XXXX XXXX, then changed it to XXXX on behalf of XXXX XXXX XXXX. They filed foreclosure proceeding with the XXXX XXXX court, and it was denied. 
After 4/12 years of sending in the same documents our mortgage was sold to Select Portfolio Servicing. The document requests started all over. Another foreclosure was filed with the court ; I appeared and presented evidence of deceptive lending by XXXX Mortgage my original lender, and XXXX XXXX XXXX inability to resolve the issue in 4/12 years. The judge instructed Select XXXX Protofolio 's lawyer speak with me get copies of the evidence I entered and make a decision within 30 days before she make XXXX for both parties. 
We received a trial payment period from XXXX XXXX 2016. All XXXX payments were made on time as agreed. 
My XXXX concerns are the modification payment is not reflecting on my credit report. Any type of payment a creditor receives from a consumer must be reported. Select Portfolio Servicing is telling me because the payments were trial payments they do not have to report it as payments, and I strongly dislike that policy and need your advice. 

The second concern I have is with the balloon payment we got for our modification and had less than 30 days to have a lawyer read it and advise us on it. This is how we got in trouble with XXXX Mortgage in the first place harassing us to refinance two years after we had just refinance our home with them. 
I do not trust the entire process and would like for someone to please review our case. 
Select Portfolio Servicing Property Owner : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Texas Account # XXXX My contact number is 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 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
In 2013, We went through months sending and re sending documents to " XXXX XXXX XXXX ''. For a modification, Harp or other wise. In the end XXXX XXXX XXXX kept our 6 % interest rate and changed us to a XXXX YEAR LOAN ... Not changing our payment enough, but makes nag them a lot more money. 
Right after that they sold our loan to Nationstar mortgage ... 

We 've checked on XXXX but though they claim to be able to get us a lower rate ... it will add XXXX dollars in fees back to the loan

Company response to consumer: Closed
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
My mortgage has been transferred several times over the course of XXXX yrs. It is now with Quicken Loans. I have received XXXX statements regarding my escrow account dated XXXX/XXXX/15, XXXX/XXXX/15 ,XX/XX/XXXX15. The first statement included a check for {$610.00} and stated my XXXX XXXX 2015 new payment would be {$1400.00} XXXX from {$1600.00} XXXX. The XXXX statement XXXX/XXXX/15 stated the same changed monthly payment and also stated a home insurance pmt of {$640.00}. The home insurance bill is actually {$570.00} and I called to advise this, they told me to call the insurance company. Later they left me a message saying they called the insurance company. I have still have not rec 'd the difference in any form of credit or refund. 
The XXXX/XXXX/15 escrow statement states I now ( after they just sent a check for {$610.00} on XXXX ) have a shortage of {$620.00} and my monthly pmt will be {$1600.00} if I send a check for {$620.00} or {$1600.00} if I choose not to pay the {$620.00}. I have checked my escrow balance through my online acct access this date and the escrow balance is {$1800.00}. This is enough to cover the next quarterly tax pmt of {$1700.00}. The homeowners ins is paid for the year. With the current escrow pmt of {$630.00} there then would be enough in escrow to pay the following quarter taxes. ( also I appealed my taxes this year and the result was my assessment has been lowered, but the final quarterly tax adjustment is not available at this time, I m told in XXXX weeks, but the tax will be slightly lower ) I have called Quicken Loans to resolve this but when I call I have not been able to speak to someone to resolve this and they do n't return calls as they say they will. Bottom line they have no Customer Relations at the number they give to call. 
How do I resolve this to keep my mortgage pmt at the correct amount, and why would a company pay out {$600.00} XXXX month and the next month send statement asking for $ XXXX payment. ( and when their online statement shows escrow has enough funds to cover next tax pmt )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Nationstar needs to correct my credit report from late payments to short sale that was completed on XXXX XXXX, 2015. This is for XXXX loans what had with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
We sent wire transfer payment, through XXXX XXXX XXXX for our mortgage payment in the amount of {$2500.00} on XXXX XXXX, 2015. The payment was rejected by NationStar Mortgage. We called NationStar Mortgage and spoke to upper manager XXXX XXXX ext. XXXX. He assured me that if I sent a new wire transfer, Monday XXXX XXXX, 2015, that it would go through without a problem. I followed his exact instructions and on Saturday, XXXX XXXX, 2015 I checked my bank account and they have rejected our payment a second time this month. They are closed today, since it is Sunday. We are simply trying to pay our mortgage and NationStar is not allowing us to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
Again today We had to send an document that had been previously sent many times. This is causing financial hardship on my mother. She is XXXX and has been trying for three months to get a modification with SP Servicing XXXX Loan number XXXX 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 2015-04-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
Denied sufficient time to complete a ( short sale ) payoff on my mortgage. Very difficult to communicate with Nationstar due to lack of requested information ( payoff statement ) and denied internet account access. Forced to proceed with foreclosure despite numerous efforts to rectify the 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 2015-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: DC

Complaint narrative:
I was not informed by XXXX XXXX XXXX that my mortgage was sold to Nationstar Mortgage Company. The only way I found out was to call XXXX when the payment was deducted from my autopay. I have since had extremely poor customer service from this mortgage company. They are now charging me fees that are not legal under my HUD contract with XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
XXXX has put me in collection and my debt was paid. I was not told I was going into collection as I was not aware of this at all. When I received the paper stating that I was in collections is when I paid the balance of {$430.00}. This was disputed and was suppose to be taken off my credit report as it is not. I just recently purchased a vehicle and it effected my monthly payment as it shows I am in collections. When I had fought this several years ago I was told it would be off and again it is n't and it is effecting anything I need to do in the future. I am not happy with this as XXXX is a big company and was paid with no problem. The collection name on my credit report is called GC Services on XXXX/XXXX/13. I would like this to come off my credit report so it does not effect me purchasing a house in the future, as stated it already has effected me purchasing a vehicle. I do not have any other debt on my accout as I pay everything on time and do not have anything out standing.

Company response to consumer: Closed with explanation