vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: LA

Complaint narrative:
I lost my job in XXXX XXXX, was granted deferment until XXXX with BB & T mortgage. Started a new job in XXXX XXXX. Resumed my mortgage payments. Sent {$1700.00} on XXXX XXXX, XXXX, they refunded it on XXXX XXXX. Paid them {$14000.00} on XXXX XXXX, they refunded it on XXXX XXXX, XXXX. All I 'm trying to do is keep my house. I will not allow them to take it. I do n't know what they 're problem is but I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Again I just received today XXXX XXXX. XXXX a letter from Nationstar asking me to fill out an application for Making Home Affordable Modification Program. 
I can not remember making any inquiry about Making Home Affordable Modification Program. The only Making Home Affordable Modification Program I ever asked for was in XXXX which is HAMP Loan Modification Program and is yet to be resolved. Again, Nationstar is trying very hard to steer me away from the HAMP Loan Modification Program to entirely different program I did not ask for. This has been their scheme since XXXX. See attached the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My previous lender acknowledged they made a mistake in charging me over {$21000.00} for taxes I did not owe on my house in XXXX, which forced me to modify my loan. They charged me over {$53000.00} in interest on the loan modification. They admitted to the error and took the {$21000.00} off my account but did not take the interest off the loan, nor did they take the loan modification off, which I would not have ever needed. Now, I am unable to obtain a loan for a home in XXXX after relocating for my job, because of the error of XXXX XXXX XXXX on both my mortgage payoff quote, and because they are reporting a loan modification on my credit report. I believe this is a violation of the Fair Credit Reporting Act, and I must have this resolved in the next 10 days because I am in escrow. To avoid resolving the issue, XXXX XXXX XXXX sold my loan to Select Portfolio Servicing, who is now documenting the erroneous amount in excess of {$53000.00} as part of the principle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: ID

Complaint narrative:
In XXXX XXXX our fresh start loan was sold to. Nationstar mortgage Plc. 
We tried to make a payment each month but they did not have all the paperwork from XXXX. After a few months of this excuse my husband actually called XXXX they stated to him all paperwork had been forwarded. Finally my husband thought he was being scammed they stated they could not accept any phone credit card check by mail only XXXX XXXX. Even though they kept sending monthly statements to us. They decided to foreclose on our home, I requested a modification through MHA they sent out the paperwork I got it back to them. They used my overtime to calculate my acceptance so instead of us having a smaller monthly payment now it 's way more and they wanted escrow for taxes and insurance. Our first payment did include a down payment first month payment and escrow. Two days ago I received notice my homeowners insurance is being cancelled for non payment. I also included this with my contract a copy of the invoice. Tried to call my contact person to find out why? I was. It going to leave one more message. Pressed zero got on the phone with XXXX told her what was happening she agreed to get a team lead on with us he said it will be a couple more days until they have it figured out Really!! I do n't have that my house insurance will expire on XXXX/XXXX/XXXX. I was on hold for over twenty minutes I had to go lunch was over. The foreclosure is not closed yet as of XXXX/XXXX/XXXX. " They are not done processing my loan ''! I have heard a couple days for everything now they said my foreclosure was moved to XXXX XXXX XXXX. I have an attorney and I am willing to go to any length to make sure this does not continue for us or anyone else. Also when we first got approved it was 8 % then the contract comes they know they have me by the nose it 's adjustable every two years until it 's 10 %. Is n't there a truth in lending? Or am I just stressed out enough over all this! You bet I 'm stressed I have been dealing with this for two years now! Can or will someone help me? I need an injunction and someone there the person who owns this company needs some jail or prision time. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
On XX/XX/2016 I filed a complaint about fraudulent loan modification practices by Nationstar Mortgage LLC ( Nationstar ). I was told on by XXXX a manager to rerequest a Loan Modification on XX/XX/2016. I spoke to XXXX on XX/XX/XXXX. XXXX emailed me the paperwork, I faxed them to Nationstar on XX/XX/2016. I emailed bankstatments on XXXX/XXXX/2016. I was told to call and check on the process within 48 hours. A weekend elapsed so I called on XX/XX/XXXX. I reached XXXX who laughed at me and told me I could reapply all I wanted, I would never be given another Loan Modification because I failed the first trial. The first loan Modification they added an extra payment on without notifying me and cancelled without notifying me. Additionally, they sent paperwork that I did n't sign informing me that not making exact payments could ( not would which is a legal term ) result in the possible cancellation of the modification. Additionally, XXXX laughed and said I could n't get a loan modification because my XXXX loan is a Home Equity loan. It was the same type of loan when I was granted a loan modification in the first place. He emailed me a copy of the loan - laughing at me. I know that if a mortgage company does not have the original loan they can not repossess a house. This company planned to repossess this house. Had I not made a trip to XXXX XX/XX/XXXX and borrowed money from family and friends they would have been well on their way to evicting me. This is the slimiest example of fraud and attempt to repossess a home I have ever seen. They knew I did not have the resources to pay back the money on my own. If I did n't have rich family and friends I would be out of the streets with a surprise eviction notice. I am disgusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Subservice XXXX Nationsart Mortgage LLC On XXXX XXXX, 2011 I sent QRW and the information I requested in the letter are proprietary information exceed the scoop information under XXXX. I have the letter here form XXXX XXXX XXXX. 
Email XXXXXXXXXXXX I have been paying PMI on this loan for 10 years and N/S will not tell me any information. At the end of the year and every month I see where they take the payment out but other I do n't not statements. N/S say I making payment to a company that has been out of business for years RMIC. 
N/S inadvertently would not disclosed and release any information too me about loan and did so intentionally. to charge fees and interested that I would not be aware of. It was not until I contacted H.O.P.E for a modification anyone started offing me help. I had to mail N/S everything I mailed HOPE two and three times over and over. But if they have continued to honor XXXX Modification the XXXX modification I would not have need this set me back over XXXX and 120 Day late on my credit report. 
I feel N/S needs to be investigated for Modification Abuse The incentive payment from the Federal government HAMP were used for profit and big business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
I received HAMP modification on XXXX XXXX. Now I have been told that I still owe over {$180.00} in past dues fees from XXXX, XXXX and part of XXXX up to when my loan got modified through the hamp government program. 
How could it be that Nationstar is still asking me to pay for all those back fees. No fees should be remaining apart from anything that pertains to my new modified loan from XXXX XXXX moving forward only.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: CT

Complaint narrative:
The collector has called several times per day and left messages for approximately one week. On XXXX/XXXX/2015 they called my wife 's cell phone, she asked for the debtor 's name and they refused to tell her. Today I called back and left a message, soon after the collector called me back. At that time he refused to tell me who I owed the debt to until I gave him more personal information. I refused and said who do I owe the debt to and he refused to tell me. 

To date we have not received any validation notice as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
XXXX XXXX payment made on XXXX XXXX. As of XXXX/XXXX/2015 still not applied to my loan. They have added escrow charges for paying my Home Owners Insurance that was already paid and expect me to get a refund from my insurance company. Because I refused to pay the escrow they put the mortgage payment in a suspense fund and will not apply it to the loan. And then they added late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
When will the victim ( s ) who has been and is continually torn down to His or Her or their lowest level of Characters Worth receive restitution? I am victim of Identity Theft By my former Mortgage Company who now has Reorganized, but under their new Organization has filed Bankruptcy but has been given the privilege to Reorganize for a third time. Throughout their reorganization process My family and I have suffered tremendously with little help and comfort for our loss for local, from federal and our Government agencies. Why are n't the laws catered to the American individual. The right to sue big business and corporations for their illegal practices and financial damages. I note us as individuals and families that owns our homes and yes once upon a time held great creditable reputations until a criminal or civil act has been committed against us and continues to happens but goes unpunished at the lowest level what are we to do? I am in Bankruptcy now, in order to prevent the legal system local authorities from using a court order to throw my family and I out of our home. I have consulted with everyone ... .. but congress and our President. I am and will always be an American citizen and I served our country faithfully, but yet I am not receiving the proper justice because I am not at the corporate level to bring charges against a corporation but a individual as stated by the FTC telephone representative. I know we can perhaps undo the wrong for all citizens who have been affected like I have. It may take some time, but it will alleviate many nights of despair and discouragement I have due to someone else 's inability to serve the American people within their legal rights in their pursuit of happiness in obtaining the " American Dream ''. Although, I am a innocent Homeowner in American, now a victim of my mortgage company crimes, but labeled and viewed as having the inability to obtain and maintain obligations and responsibility financially because wrongful placement of the credit worthiness I have to wait until all the law is put into place to correct this issue, shuewww!!! How will this new law help me and my fellow Americans?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Complaint against Nationstar Mortgage LLC, in its continued " misconduct '' ... against its illegal attempt to take our home..for its undue enrichment. 

Please find attached. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar 's counsel, XXXX XXXX XXXX, the attached correspondence serves as my objection to Nationstar 's Rescission of Acceleration of Maturity Indebtedness that was dated XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Here is the records from XXXX XXXX Note Date:XX/XX/XXXX2006 XXXX XXXX XXXX, XXXX. 
XXXX XXXX, CA XXXX Note Date:XX/XX/XXXX2006 Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX, UT Apparently Select Portfolio Servicing , Inc. transferred a monetary instrument belonging to me to another institution on XXXX/XXXX/2006. However, after this date Select Portfolio Servicing, Inc. continued to demand payments from XXXX XXXX. This sure sounds and looks like fraud. 

How is this possible? What can Select Portfolio Servicing XXXX Inc. say to explain this fraud?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
Nationwide is raising my interest rate above the contractual limit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I applied to for a modification of my loan and got approved for a monthly payment of {$2900.00} which is more than 31 % of my income. There was no explanation as to how the mortgage company got that figure or how the payment is going to be distributed. 
I can not afford that high payment and will like any help available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
For over a year I have been attempting to get my mortgage lender to work with me on a modification of my loan. I am seriously under water on the loan and have repeatedly asked for help in determining how that might be corrected with a modification. Rather than continuing to throw more good money after bad I stopped making payments. This caused the lender to change course of the conversation and processing to a foreclosure, which is pending. I have received an offer to " modify '' the loan but it requires that I continue to make payments through a trial period of 3 months before they will finalize the process of defining the terms of the loan. There is no indication the loan will be reduced to reflect what the actual value of the property to be which is {$130000.00} less than the loan I am expected/projected to have modified. Aside from this, there are erroneous declarations on the documentation that do not reflect the actual circumstances. There 's is never anyone to actually discuss this with since it 's always a phone bank of minions who all have the same script. I can not get through to a real decision-maker even with the help of my attorney. The problem is not that I ca n't afford to make the payments. The problem is why I should continue to do so when I know I have negative equity. 
I applied for this modifictation by declaring in clear and concise terms that my wife is handicapped and I would have a difficult time finding a comparable home where I could take care of her. She is cognitively impaired due to a brain aneurysm. Not only do they ignore that appeal, I continue to receive documentation for her to sign. They have a copy of her power of attorney as well as medical documentation showing her handicap. It 's like the balance of this situation - the lender simply is moving toward a foreclosure without any consideration of the actual matters that brought us to this point. My question is : How do I get this problem addressed with the lender? We 're at 20 months since the process started and I am no closer to having an answer. For the record, the lender is Select Portfolio Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
On XX/XX/XXXX i lost my job by the company i work for doen sized. I had my morgage with springleaf and they sold my morgage to nation star. i got behind in my payments so they sugested a loan modification so i agreed. on XX/XX/XXXX it was done had to make qualifing payment of {$1200.00} for starters then XX/XX/XXXX making payments {$100.00} principal & interest and {$89.00} escrow. i made my payments of {$200.00} from then till XX/XX/XXXX i had got serveral letters from them saying i was makeing parciel payments i called XXXX said it was a misstake then wad looking at old loan. i received a call from XXXX telling me he was sending me a paper to sign where they had a made a mistake on my loan. I receives the paper sighned it and sent it back. to make a logn storie short now my payments is XXXX plus. they sent me back and check for {$92.00} AND A CHECK FOR {$400.00} ONE TIME. I DONT UNDERSTAND ANY OF THIS AND NEED ALL THE HELP I CAN RECEIVE. THANKS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I 've contacted Nationstar Mortgage on a number of occassions regarding my escrow account. Specifically, I am concerned that I am being charged mortgage insurance due to Nationstar 's negligence. The negligence is based on the appraisal that they ordered at the time I re-financed my mortgage. I understand that they contract an appraiser that is independent from the underwriting process, however, they should have qualified individuals on staff to determine if the appraisal they are considering is appropriate. First, Nationstar has a lien on XXXX separate properties with separte property index numbers. The appraiser combined XXXX properties and valued it as XXXX. By combining XXXX properties, the comps used to determine a value were not similar to my property. An additional issue was that they used foreclosed properties as comps. This type of property was not an indication of market value but distressed value. I 've researched this issue and it is in contravention to prudent appraisal guidelines. 
What is especially troubling is that the customer service departments ( general customer service, escrow department, etc. ) are not helpful and do not have the knowledge to handle my inquiry. After an over-extended period of holding, being transferred from department to another, and not knowing what " mortgage '' insurance is -- I somehow get disconnected. Regarding mortgage insurance, they continue to think that I am referring to property insurance. 
I understand that mortgage insurance is required on loans with an LTV higher than XXXX %. At the time I purchased my property this was, in fact, the case. However, the values are not being properly reflected. I have asked for another appraisal - one that values each property seperately and uses like-kind properties as an approriate comp. 
In my last contact with Nationstar, they informed me that I would be contacted by some representative from the appraisal department. I asked if this individual was an employee of Nationstar or an independent appraiser -- they were unable to discern the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a mortage with Nationstar Mortgage. Every few months I have to request payment history to check how the money is applied. Most of the time they do n't apply it correctly. I have been sending extra {$200.00} a month towards principal. XX/XX/XXXX I got the payment history and {$1000.00} ( XX/XX/XXXX-XX/XX/XXXX ) was not applied to principal. The money went to Corporate Advance??? account, Misc. account not to the Principal like I requested on the check. XX/XX/XXXX I sent an e-mail to NationStar. To this day I did not receive the copy of the corrected account which I requested. Nobody got back to me. The only letter and e-mial is the confirmation of receiving the complain. When the mortgage was with XXXX XXXX XXXX everything was clear. With Nationstar nothing is clear and the fact that they refused to sent me a statement make them do what they want.

Company response to consumer: Closed with explanation