vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
Ocwen Loan Servicing had me agree to a trial period for modification. At the end of the trial period, I received a notice that I would need to pay over {$3000.00} to reinstate my loan. I submitted needed documents and I feel like I was mislead in the way it was handled. By them having me pay the schedule that they set up, I should not be behind anymore and my mortgage should me now current. However, they did not do that. They put me under a trial modification and then at the end told me I did n't qualify with no explanation other than an issue with the title that had nothing to do with me personally. I submitted the appropriate documents to them and they are still trying to charge me over {$3000.00} to get my loan reinstated. I was only behind XXXX payments of {$740.00} to begin with and then they had me skip a month before beginning the modification which was another {$740.00}. By my calculation, I should only be behind the two months I did n't pay seeing that they had me skip a month for the modification. I am a single mother of XXXX and working XXXX XXXX jobs trying to stay afloat. I can not afford to loose my home. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Wells Fargo, the owner of the loan, is not allowing loan modifications to occur. XXXX and I qualify for loan modifications based on both XXXX and loss of income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I called to get a quote from Quicken Loans and they insisted they take my social security # to give me a quote based on my credit score. It would be a soft check like a car insurance company would do. It was a XXXX minute phone call. The guy calls me back and gives me a quote for XXXX for a 15 year loan or a 20 year loan for XXXX for {$250.00} XXXX refinance. I told him I was not interested as it is not beating what I had. Within a couple of days I have an estimate in the mail with a 30 year rate for XXXX APR which I never inquired about. I also got calls from the company asking me how my loan was doing. They started an application process even though I never asked for XXXX. I feel like there is fraud and misrepresentation going on with that company and I am outraged. They not only started an application without my knowledge or permission, but they sent a quote for a term I never inquired about or was interested in. It shows me the quote on the phone was a lie as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Residential construction loan. Bank and title company failed to disclose XXXX requirements that would have influenced decision to enter into construction loan agreement with bank. Bank failed to properly administer loan during draw and final funding processes. Title company failed to pay property taxes with funds collected directly from borrower. 
Specific issues : The day before closing the bank notified me that they needed certified funds of {$110000.00} from me at closing to complete the construction agreement. The funds were to be held in a " loans in process account '' and given back to me through the construction draw process. This was never disclosed prior to scheduled closing. I was stuck at that point. I paid the funds and never received any accounting of the funds being held nor was I paid interest on the funds that were held for months for disbursement. In order to recover the funds I was required to submit notarized affidavits to the bank certifying that all work was completed before it actually was completed. Final draw funding was refused by the bank until I complied with a different set of requirements, separate from prior draw requirements. After final funding and modification to fixed rate loan, title co. Collected 2016 taxes not yet due. They failed to pay the taxes when they became due and taxes remain delinquent and unpaid.

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 2015-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar Mortagage proceeded to make late payments on my property taxes incurring fees that I am now being charged for. I have called them on numerous occasions and they will not give me any explanations. They re-analyzed my escrow mid year so that they would be able to place these fees on my account. They are now stating that my mortgage will increase XXXX % percent. I went from a mortgage of XXXX dollars to a XXXX dollar note. Customer Service XXXX and they are very rude and incompetent. The supervisors are worse and no one ever tells you the same story, everytime I have called it is a completely different explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hello My wife and I filed bankruptcy and have been out bankruptcy for over a year now. However our loan on or Mortgage being serviced by Select Portfolio Servicing says the following : " Our records indicate that your obligation has either been discharged or is subject to an automatic stay order the United States Bankruptcy Code. Even though your personal liability on the note may be discharged or subject to an automatic stay, the terms of the mortgage remain in effect and the owner of the mortgage, as a lien holder, continues to have a lien on the real property. '' After repeated calls to SPS they told us that we needed to re-affirmation letter while we were in bankruptcy in order to change the status of our lien. 
For the last year we were unaware that SPS and previous Mortgage servicing company XXXX bank had kept us in this protected category. Basically keeping us in their " debt collection status '' Both XXXX and SPS when we called for assistance have said on their recording " you have reached the debt collecting department attempting to collect a debt '' When we called SPS our current servicing company they said " We will always be in the debt collection status because we needed to have a " Re-affirmation letter of debt while we were in bankruptcy '' within the last 12 months of making payments on our mortgage they have not recorded any of the payments to the credit agencies and this has caused issues for our credit reports as well as wanting to refinance our loan. We are current on our loan and all payments. 

From our Bankruptcy lawyer : Hi. 
It is a total lie that assistance on a mortgage is linked to re-affirmation. In fact, the federal regulations preclude this. 
To refresh your memory we do n't re-affirm mortgages. Only personal property ( a car, a boat etc ) is subject to re-affirmation. In fact, some Judges have suggested that re-affirming a mortgage is malpractice if supported by an attorney. 

What we do with mortgages ( and you DID DO ) is file a Statement of Intention to retain the property ( pay ). This should be in with your records and can also be pulled from the bankruptcy court 's electronic website. 

If you are having this trouble I strongly suggest that you file a complaint with the federal cfpb. It is super easy and done entirely online. The mortgage company ( or more likely the assigned rep ) is just taking a bogus position in so far as what you are relaying. 
XXXX We are looking for help and hope that your department can place pressure on Select Portfolio Servicing , Inc to follow the rule of law. 
We are tired of receiving bogus and inflammatory mailing every couple of weeks from them keeping us in the " debt collection department '' and ruining our credit. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
In XXXX 2015 I started a loan modification process with Nationstar. 
Over the next few months I was never able to upload docs through their online portal. 
I started sending documents via e-mail. 
Over time they would ask for updated documents. 
They started asking for the same documents I already sent. 
This went on for a while and it started to look like they were not receiving the documents I was sending over and over. 
After a while I gave up sending documents via email and started faxing them but they were still telling me nothing was received. 
About 3 months into this process I was XXXX and spent 4 days in the hospital. 
This accident aggravated an already XXXX and I am having XXXX separate XXXX in the next 6 months. 
At one point one of the representatives told me " it looks like your updated documents were being thrown away thinking they were duplicates. 
Additionally they continued using a PO Box address that was closed 3 years ago. 
They said they sent me a letter of denial due to unreceived documents. 
They in fact had all documents requested. 
I never received a letter of denial and never got any notifications in the notification area on the internet portal. 
I had conversations over the phone and they never mentioned a letter of denial. 
They never notified me for lifting the foreclosure postponement I found out about the foreclosure postponement being lifted 30 minutes before the sale. 
I never got the chance to finish a loan modification because of nationstar 's ineptness. 
I have over 140 emails demonstrating this fact. 
By doing this they have denied my children an education and denied me any security in my older age.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION
State: IL

Complaint narrative:
I purchased a vehicle from XXXX XXXX XX/XX/XXXX, A XX/XX/XXXX Sonata. Regional Acceptance financed the vehicle for XXXX months at 16 percent interest. I have had the car for 4 years making monthly payments of XXXX. As of today XXXX payments have been made totaling XXXX dollars. Regional Acceptance says I still owe XXXX on the loan, which is not correct and impossible for a loan that is 48 months into the XXXX month term.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
Quicken Loans " allows " me to make bi weekly payments, but then states they do not apply them bi weekly to reduce the interest on my loan. This is at the least unethical and deceitful. I want my biweekly payments that they take automatically out of my checking account credited when I make them. My loan was taken out with biweekly payments as part of the conversation with my loan officer so I can pay the loan faster and keep the interest down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
XXXX years ago I began to suffer financially due to a downturn in XXXX. I contacted my mortgage servicer, SPS, and requested that they modify my mortgage so I could keep up with the payments. They made me fill out paperwork and told me they would review for loss mitigation options. They came back stating that all I qualified for was a repayment plan because that is all the owner of my mortgage would allow. The owner of my mortgage has since gone out of business and the rules to loss mitigation have now been moved into the master servicing agreement held by XXXX XXXX. Their master servicing agreement allows for modifications. I have been calling SPS frequently and each time I call I get a different answer as to whether I can get a modification or not. Each loss mitigation representative i speak to says i qualify then they come back and say I do n't. Some dont know they answer and some are completely unable to speak about what the servicing agreement allows. My interest rate is 6.99 % and they could have helped me when this all started. Now my loan is close to foreclosure and I Need a modification to stay in my home. I have asked my son to come live with me in order to help with the bills and he has agreed so I can afford a modified payment but SPS refuses to help. All I am asking is that they adhere to the terms allowable in the master servicing agreement and modify my loan to an affordable monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
Nationstar has not responded to the attached Notice of Error from XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: RI

Complaint narrative:
I have been working diligently with Nationstar Mortgage on a loan modification. I was given a loan modification but never received any documentation. I made payment in accordance with the terms in the loan modification as required and had assumed that the new loan would be implemented as stated in the agreement. Since the loan mod has been completed I expected the my credit would reflect the change. Instead Nationstar has started over again with threats to my account, has not credited my account t with the loan payments which were made with certified checks and my credit has been damaged by their errors. I believe the firm is trying to commit both credit and mortgage fraud an d I have received not one call or notice regarding the status of my loan mod or what happened to my account to put it in arrears. This is either incompetence or fraud. I need someone to act as an honest broker to address this matter because I can no longer trust the firm. 

I would like to have my loan modification reinstated, my payment credited to my account, and my credit score to reflect that I have made all my payments on time. 

The account number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I am in the process of refinancing with quicken Ioans, it 's been over 45 days and still do not have a closing date. They keep giving me the run around and its been nothing but a headache.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Nationstar MortgageXXXX XXXX, Texas XXXX am writing because of the nightmare we have experienced since Nationstar purchased our mortgage from XXXX 's First 10 months ago. This will be my last attempt to resolve this before I file a lawsuit and register complaints with all of the relevant government agencies. 

We purchased the residence in XX/XX/XXXX and took out a mortgage with XXXX XXXX. We have never had a late payment and always maintained proper insurance. In XX/XX/XXXX our house was completely ruined by Hurricane XXXX. We requested permission and received it to knock down the house from XXXX 's XXXX. XX/XX/XXXX we knocked down the house, gave XXXX 's XXXX all required documents proving the house was gone and they gave us permission to cancel the flood and hazard insurance. 
Nationstar purchased our mortgage XX/XX/XXXX. After a few months, Nationstar asked why we did not have flood and hazard insurance. We explained and sent all the required documentation at least 3 times. XX/XX/XXXX, Nationstar put a charge in my escrow for {$2200.00} for purchasing flood insurance. We immediately called and called and after months of calling, they credited the {$2200.00}. 
We started building a new house in XXXX, XXXX and received the Certificate of Occupancy XX/XX/XXXX. As soon as we received the Certificate of Occupancy, we purchased Flood and Hazard Insurance paid both for a full year naming Nationstar as the Mortgage holder. Now XX/XX/XXXX, I see a new charge of {$2100.00} for Hazard Insurance. We again called and called, resent all of the same paperwork that we did in the previous months and the escrow department told us that they are sorry, the charge will be deleted. It was not deleted in XX/XX/XXXX, I called and they said it is OK, it is set for deletion. It was not deleted in XX/XX/XXXX, I called and called and when I got through, they said it was set for deletion. Now I received my XX/XX/XXXX escrow statement and not only was the charge not deleted, they estimated my XX/XX/XXXX insurance and the same rip-off rate that they are charging me through this company XXXX. Now due to the incompetence of the insurance and escrow departments, my mortgage is {$1600.00} per month when I was paying {$1000.00}. My new payment should be {$1000.00} plus insurance ( {$570.00} for floor and {$610.00} for hazard ) which is {$99.00} equals {$1000.00} plus taxes {$87.00} equals {$1100.00}. Very simple. 

My wife and I are exhausted dealing with this, I tried calling 3 times today and after waiting on the phone for a long time, I was suddenly disconnected. I would refinance with another company, but simply do n't have the time right now. I need Nationstar to remove the charges for the insurance, refund the escrow money and estimate my escrow correctly within 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
Wrongful Foreclosure, Unlawful Detainer and not including all documents in a Qualified Written Report request. So I could ascertain any and all issues. The attachments are everything I received in my QWR packet which I requested on XXXX XXXX XXXX. The report was run on XXXX XXXX and the DEED of TRUST was not signed over until XXXX XXXX XXXX on XX/XX/XXXX Also Banking Branch and Trust Co. did not have the Assignment of Deed of Trust until XXXX XXXX XXXX after the foreclosure process had been started. That is just a few issues I found once everything was done. There was nothing in the QWR about my REFI i did in XX/XX/XXXX but according to Banking Branch and Trust they already owned the debt. That is not everything but that is just some of the main points.

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 2016-06-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
mortgage service charging borrowers ' excessive fees : late fees - swept onto accounts on or before the grace period actually expires. Issuing " late fee '' correspondence to accounts that have been set-up or on Auto draft, EFT or ACH and triggering inspections leaving borrower to absorb costs that they have no knowledge of ; healthy corporate advances and misapplying payments due to error in payment process ; reversing payments ( long enough to collect " per diem ( s ) '' ) and, then applying late fees after corrections ; calling borrowers who have asked company to Do Not Solicit ; letting bankruptcy accounts walk away without the knowledge that they can reaffirm thus locking them into payments that eventually cause foreclosure because of no reaffirmation ; not reporting on-time payments to credit bureaus and borrower has no knowledge until they are into re-financing ; borrower 's are told not to make the current month payments while awaiting for re-finance decision and if the re-finance is not approved, then the payment considered late and [ borrower ] absorb late fee and are now a month behind and struggling to catch up. Not sending borrowers ' [ their ] time-stamped collateral after payoff and much more. 
The systems algorithm is primarily set-up to sink the borrower thus, these malicious atrocities and others leaves one scrambling for payments that could have easily been applied in a timely manner had Borrowers been told to make the payment so not to affedt their credit report. Borrowers are aware of this and know that this particular mortgage service is getting worse... now they are trying to re-brand because of a lawsuit payout. Nothing has changed, they are still predatory lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Credit Bureau of Jonesboro, Inc.
State: AR

Complaint narrative:
I have disputed this account with the Credit Bureaus as well as Credit Bureau of Jonesboro Collection. I disputed this account with this company on 2 occasions ( see attached letters certified return receipt documents ) and on each occasion, they were unable to provide me a summary of all account activities, payments made, copies of charge slips, invoices, copies of documents sent to me regarding my account and any papers that bear my original signature that reflect that I agreed to pay what they say I owe. See attached letter I sent them as recent as XX/XX/XXXX of this year responding again to their letter and seeking validation of the accounts they were listing on my credit report. I have never heard of this company nor have I ever did business with them. I have never signed any contracts nor had any obligation to them. This item is not 100 % accurate, the statute of limitations has expired and it is not verifiable ; therefore, these items should be deleted from my report immediately.

Company response to consumer: Closed with explanation