vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
XXXX XXXX, XX/XX/2015I would like to file a complaint against NationStar Mortgage. They refuse to consider modify loan, that I now believe was inappropriate to begin with. I have been trying to get this loan modified for several years. The only reason they will not even consider modifying the loan is because I am not delinquent. If I can not get any assistance, I will become delinquent. I do not want to ruin my credit or become delinquent on the debt. 
When I purchased my home as my primary residence, I was put into an interest only commercial loan by Aurora Mortgage ( now Nation Star ) for 80 % of the loan amount. The interest rate was XXXX. In addition, there was a XXXX mortgage with XXXX Mortgage at a rate of 7.5 %. In XXXX of this year my loan will change from Interest only to Principal and Interest. I will not be able to afford this loan. In fact, I know believe it was inappropriate to put me in a commercial loan for my primary residence, especially since I have excellent credit. I was sold on this loan not really knowing what and why? 
Over the past several years, I have attempted to get these loans modified. I was told several times that no one would talk to me because I was not delinquent. In addition, it seems I am not eligible for a XXXX because it 's a commercial loan. 
I have tried everything to avoid damaging my credit and losing the property. Since I could not get the loan modified or refinanced, a few years ago, I rented the property and moved with family. The rental income covers the interest only loans, but will not cover the principal and interest payment amounts. I continued to try to get the loan modified to no avail. It was my hope to modify the loans and return to my home. 
When the loan was approved, it was based upon my stellar credit and my household income including my income and the income of my husband. I was told I could refinance this loan. In trying to modify these loans, I have had nothing but trouble because I have never made a late payment. In addition, I am now going through a divorce and my household income is reduced, however, I maintain my stellar credit. I am unable to refinance the loans because the value of the property is less than the loan amount. This is my last effort to try and get some help to modify these loans. I am in a situation at this point that if this modification does n't happen I will be forced to walk away from the home completely and allow the property to go into foreclosure. I know I can pay the modified mortgage amount as agreed. 
I keep getting the run around by rude people that stops my process of saving this house. I would like to modify it so I can move back into my home. I need help, quickly and I am resorting to you as I do n't know what else to do. 
RespectfullyXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
We purchased our home in XXXX and the loan was sold to NationStar in XXXX. Due to the market crash of XXXX, the value of the home never recovered. We moved to a different state and began renting the house in XXXX due to better job opportunity. At the 10 year mark, the ARM Loan reset with Nationstar to a 20 year fixed rate mortgage, about double our current monthly loan amount. No notification was sent, no updated paperwork, nothing, just automatically reset. My wife contacted them ASAP and began the modification process and was advised that the modification was in the terms of XXXX. Disputing this, we decided to move ahead with a modification to retain ownership of the property which we have been renting with a property manager since XXXX XXXX. We submitted pay statements 4 times ( via email and to their upload site ), letters of explanation three times, lease agreements on the home we are renting four times, rental agreements between the property manager and renters three times, property management agreements between us and the property management company three times, bank statements twice, etc. over the course of four months. Now, we get approval in early XXXX and were advised that paperwork on the modification would be coming ... no details other then payment will be about {$150.00} less then the refi 'd amount. Week goes by, two weeks go by, three weeks goes by and my wife receives a phone call, advised it is recorded and was pressured to agree to the new payment. My wife countered by saying..wait, we have not seen any paperwork ... what are we getting for interest, loan type, etc? Woman acted surprised and said she would email but wanted confirmation that we would pay ... WITHOUT SEEING ANY PAPERWORK. What sort of high pressure pushing is this? My wife confronted her about this and said she would email ... We both do not feel this is legal or a fair way to do business ... pressure people to approval a loan payment without any paperwork in front of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
FORECLOSURE FRAUD CONSPIRACY. PLEASE HELP INTERVENE.. THANK YOU, CFPB. 

Attached documents for your examination ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
This is a DEMAND FOR VALIDATION OF DEBT to US Bank, As Trustee, Successor in Interest to XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Acct # XXXX / XXXX To Whom It May Concern : Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

We have received correspondence indicating that U.S. Bank National Association, as Trustee, Successor in interest to XXXX XXXX, XXXX XXXX, as trustee for XXXX XXXX XXXX XXXX XXXX is the Noteholder for the above referenced mortgage account. 

This request for information is submitted pursuant to Regulation X 1024.36 under RESPA. This request is not duplicative of any prior request for information on the above referenced loan account ( s ). 

Please provide a validation for the above referenced account # XXXX including amount owed, principal, fees and interest payments made since the inception. To wit, this is a request for a complete, correct and exact copy of the loan transactional history. This is also a request for deal side transactional history. 

Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
i am really trying to save my home i have called and asked for a loan modification and a loan modification package ... ... .. this company has given me the run around and i am afraid they are trying to take my home by pretending to provide me with help that they do not intend on giving me ... ... ... this company has been hard to work with

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hello, Im writing this letter because im having difficulties with my mortgage company, As of XXXX 2016 i was no longer able to afford my monthly mortgage payments due to the company that i work for is going thru some bad times and they had to cut my hours. 
i called Nationstar Mortgage and at the beginning they told me i was eligible for a HAFA Short Sale in order to avoid foreclosure, they told me to hire a realtor to place the property on the market. 
After 60 days on the market we finally received offers and were submitted to my mortgage company for approval, Nationstar told me that in order to continue they had to perform a Brokers Price Opinion which it was done a week later. After 2 weeks waiting for Nationstar Mortgage to call me back, i reach to out to them and they told me that their report came back at {$470000.00} value. 
I told them that i did n't agree to that value since there is no homes selling for {$470000.00}. Nationstar told me that i had an option to dispute the value and i had to pay for a full appraisal in order to take my dispute in consideration. 
So i paid for the appraisal out of my pocket, 10 days later Nationstar told me that my value dispute will be under review since they confirmed that the appraisal that i paid for show a value of {$340000.00}. 
Now Nationstar told me that they will reduce the price to {$440000.00} otherwise they will foreclose on my home. I believe this is not fair since the current offer that we have is {$380000.00} over {$40000.00} from the current value and Nationstar seems to have bad intentions against our home. 

Now after i called to speak to a manager and no one wanted to help me, Nation star has placed a Foreclosure Sale Date on my home set for XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I have been trying to do a short sale for almost a year. The bank seems to think that I can afford the mortgage and they keep forcing me into a modification. I am desperate as I can not afford the mortgage, the bank is being unreasonable and I have had several offers on the property for the current market value, but the bank is trying their hardest to set me and my family up for failure. they are not doing what the government says the lender should to provide alternatives to me as a homeowner. Now they are talking about foreclosing if I do not sign off on a modification. I thought that the bank was supposed to assist me with foreclosure alternatives? If so, they are failing miserably.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
WE filed for a loan modification, due to hardship, illness and low income, with Nationstar in XXXX 2016. It took 2 weeks for the 'time sensative ' application to reach us. We were assigned a loan specialist, XXXX XXXX, to oversee the process. We sent the documents requested, sent more documents when the first were deemed insufficient and so on. XXXX XXXX was never available for the telephone, when he would call and reach our screening message he would hang up, and when responding to a message left for him would call back, but always at the wrong phone number. Finally we reached an individual that saw what the problem with our documents was and we sent the correct one on Thursday, XXXX XXXX, 2016. The following Monday, XXXX XXXX, our application showed all the requirements had been met and it had been forwarded to the underwriters. Tuesday, XXXX XXXX, the message had changed, and we were informed that our application had expired XX/XX/2016, and we could re-apply if we wanted too. 
My wife was able to get through to a different agent on Thursday XXXX XXXX, 2016, who informed her that the reason the action had been taken was that there were better programs, ones that fit our needs better. Friday, XXXX XXXX, in a one hour phone tag event, she was informed that had the loan modification gone through, we would have had lower monthly payments, but Nationstar would have added an additional 20 years to our loan duration. We currently have 20 years, 7 months left, I am XXXX ( soon to be XXXX ), and had a XXXX 2 1/2 years ago. My wife is XXXX and does not receive any XXXX payments. 
It is unrealistic for Nationstar to expect us to maintain a mortgage until I am XXXX years old. There never was a communication that shared their intent, the loan 'specialist ' XXXX XXXX was never available, was non-responsive and intentionally obfuscated the actions of Nationstar by returning calls to the wrong number. The last agent my wife talked to had no idea who XXXX XXXX was, and said that he would institute an investigation into why he was allowed to act on Nationstar 's behalf. 
We were applying for a loan modification under the auspices of HARP, in an effort to remain in our house. We are current on our payments and have never missed a payment, but have had some bad luck and ill health lately. We proceeded in good faith. It does not seem that Nationstar has done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
I am a homeowner having problem receiving services from my XXXX XXXX plan that covers Systems and Appliances in my home. Coverage for this program is covered through my mortgage payment. Payment amount is {$34.00} paid monthly through my mortgage payment at Nation Star Mortgage ; I had problems with my up stair air condition unit for two years. XXXX XXXX sent several different companies to our home none of them fixed our air condition ; also, there records should indicate several telephone calls that was made to them by my wife and I covering the above conversations ; However, our air condition was never fixed and continued to leak water and damaged our ceiling, I had to pay {$1500.00} in repairs. I am having problem with my garage doors, I was informed that my doors are not covered ; only, the roller and the sensors. boxes thethe the rest of the cost is the owner responsibility. My wife and I was informed that this plan would cover most used systems and appliances in our our home. I was informed by the representative today ( XXXX/XXXX/17 ) that the contract have changed. I asked to speak to a Supervisor but my request was denied!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I applied for assistance in saving my home with my servicer, SPS. I hired an attorney to help me submit my paperwork to my lender. My attorney confirmed SPS received my full and complete application and all financials and that my loan was under an active review for loss mitigation ( Loan Modification ) as of XXXX/XXXX/2016. My attorney again spoke with SPS on XXXX/XXXX/2016 and confirmed my loan was still under an active review. I was previously denied for a loan modification and my appeal was closed on XXXX/XXXX/2016, however SPS told my attorney that another review was open and they were working on it starting immediately after my last application and appeal were denied on XXXX/XXXX/2016. On XXXX/XXXX/2016 my attorney spoke with SPS and confirmed my loan has been under an active review without pause since XXXX/XXXX/2016 and is still currently under review and awaiting a decision. My complaint is that SPS via XXXX XXXX XXXX, recorded a Notice of Default against my home on XXXX/XXXX/2016??? According to my attorney : RESPA Reg x ( 1024.41 ) states no foreclosure action shall be ordered while a homeowner is under an active review for loss mitigation assistance. It appears SPS allowed XXXX XXXX XXXX to order ( start ) foreclosure against me while I am under an active review ( DUAL TRACKING ), my foreclosure process. Another complaint I have is that they have had my application with everything they would need to make a decision since XXXX 2016. They keep stalling, evading making a decision in order to dual track my foreclosure process and then leave me with no alternative once my time runs out and I am foreclosed. I am told they are required by RESPA to make a decision in 30 days or less. Instead they are making up excuses and dual tracking me and after XXXX/XXXX/2016, THIS MONTH, I will face a Notice of Sale. I feel this is not only wrong, but something the DUAL Tracking laws and RESPS Reg X was supposed to protect me from. My attorney states SPS acts as a co-conspirator for the investor of my loan in evading, stalling and dual tracking me PURPOSELY in order to block me from getting help before it 's too late. PLEASE STOP this very bad servicer from hurting me and everyone else they do this to. It 's unethical and apparently 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 2015-10-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I submitted my application for Loan Modification assistance. My request for modification assistance has been under review. On XX/XX/XXXX I received a collection call from a representative at Nationstar Mortgage that said my request for modification assistants had been denied due to negative disposable income. She wanted to know what are my plans for the home since it is in foreclosure. I asked her why have n't I received a denial letter. She then stated it would be mailed. Today is XX/XX/XXXX and I still have not received a denial letter. Additionally I received a notice of a class action lawsuit XXXX Nationstar Mortgage LLC, Case No XXXX. This notice states that If I was charged for lender placed insurance by Nationstar ( which I was ) for your residential property this settlement will provide you with the opportunity to claim a credit towards what you currently owe the Nationstar Defendants if you did not pay but still owe the premiums for that LPI Policy to the Nationstar Defendants during the class period. XX/XX/XXXX - XX/XX/XXXX. Claims must be postmarked by XX/XX/XXXX. Here is the link for more information XXXXXXXXI told the representative that called on XX/XX/XXXX. How can Nationstar have accurate reinstatement figures if this settlement had not been taken into consideration? I still receive collection calls from Nationstar.

Company response to consumer: Closed
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Merchants and Medical Credit Corporation, Inc.
State: AL

Complaint narrative:
Has contacted me repeatedly via a third party. Insist that they have sent me information regarding a debt. I have never seen the original debt nor the communications from the collection agency because they refuse to send. Agents have refuse to give me adequate information to validate the debt such as account number, original debt amount, company, and dates. Agents will not give me information regarding their agency and its validity such as name and number of who is calling. One particular agent used heated conversation as well as said " I have to pay or else '' and implied I was breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION
State: NY

Complaint narrative:
I can not begin to tell how frustrated I am. For the last 3 years I have been affected by health issues related to multiple back conditions. These conditions impacted my ability to continue to earn a living.. My family and my performance suffered. XXXX I was diagnosed with XXXX .I tried to avoid XXXX to no success. I began to default in my mortgage when the condition preventing me from XXXX etc.. XX/XX/XXXX I had no other choice then to have the XXXX. I was out of work I spend four months recovering. I return to work XX/XX/XXXX. Shortly after I was laid off.. 
I immediately continue to panic and provided a request for a loan modification from BB & T. XX/XX/XXXX I receive correspondence that they are unable to continue with a loan assistant option based on evaluation performed in accordance with my loan investor/insurer guidelines FHA/XXXX. 
This is my primary residence. We want to keep my home. I defaulted due to circumstances beyond my control. Understand that I would have not have gotten to this point If I had not experienced the medical hardship. These were circumstances beyond my control. I am now able to make payments on my mortgage. I am requesting my file be reviewed. I am providing a full financial package again with all updated documents. 
Thank you

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 2015-09-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I have been paying my mortgage without missing any payments and my mortgage company send me a letter on XXXX saying that I own them money and I send them proof of payments made and cashed by them since then and I have no answer from them. they keep sending asking about all that money and they hired a lawyer to star foreclosure I send the lawyer all the proof of payments no answer from them neither and the mortgage company is not accepting my monthly payments I keep sending them my normal monthly payment and they send it back to me because they said I have to pay total amount I own. since 3 months ago they are sending me back my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: DC

Complaint narrative:
In XXXX, we sold our home and closed our mortgage, which had been serviced by BB & T. BB & T was supposed to send us our remaining funds held in escrow. BB & T claims that they did so on or about XXXX XXXX. However, we never received the funds. After XXXX calls to the company in the late-XXXX time-frame, we were advised that we could call on or after XXXX XXXX in order to have the check re-issued without penalty. We did so. A replacement was allegedly sent to our new home address on XXXX XXXX. As of XXXX XXXX, we have still not received the escrow funds amounting to over {$4900.00}. After another call to the company, BB & T claims that we can wait again until XXXX XXXX to have a replacement check cut again without penalty. However, the company has offered no proof that the checks were ever transmitted before, no willingness to waive its " penalties '' ( which are likely booked as profit ) to re-cut the check and no interest in providing us with tracking information to confirm that the check is mailed or received.

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