vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
I Understand that both your old and new servicers must notify you about the transfer of your servicing rights no less than 15 days before the effective date of transfer. 
Although the transfer letter was dated XXXX XXXX, 2015, it was NOT delivered to my home until XXXX XXXX, 2015. The transfer date expressed in the letter is XXXX XXXX, 2015. That is less than 15 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
I talked to them and they said it was for a old account But since I was on the way to work and driving I told them I will call them the next day and this person said " NO you have to call me today " I ended hanging up I was on my way to work and could not hear her I ask my wife to call them and they would not give her the physical address they gave her a po box and did n't want to provide anything alse unless she gave them information about me like birthday and she told them she would not provide any information to someone who will not give her more details about it. I need to know how much and if this is legit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Servicer : SPSLoan Number : XXXXProperty Address : XXXX XXXX XXXX, XXXX, CA XXXX : XXXX XXXX XXXXShort Sale Package was submitted XXXX/XXXX/2015. There is a foreclosure sale date coming up of XXXX/XXXX/2015. SPS is refusing to postpone the sale date, and they are refusing to submit the offer to the investor for decisioning. They are refusing to allow any sort of review on the file for a short sale. 

SPS is not delegated to make decisions on the file for the investor. By refusing to submit the offer to the investor and postpone the sale date, they are defrauding their investor and the federal government.

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: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I had a checking, savings and credit line account through BB & T for the last decade. Recently there were many errors and retaliatory actions that were done to my accounts. These subtle errors by the XXXX, MD team coached by XXXX XXXX was brought to your attention. I originally several times have requested formal arbitration information relating to this. My credit continues to be hurt and no resolve after months. I was told at some point there are repayment arrangements possibly I can enter into as to not hurt my credit further while a resolve/research is done. This being said, I want BB & T to know that during this entire process I have had XXXX from a car crash. I am still treating and XXXX from this car crash that was not my fault. I left in ambulance and have XXXX of dollars in bills, with plenty of documentation to substantiate. This being said I would like to see if I qualify for any medical or hardship related freezes or repayment plans? Repeatedly I have been asking for this and have not gotten any answers. I do not want my credit to be further hurt and want a proper working relationship with BB & T again without XXXX XXXX loose run ship of fools sabotaging my account because they do not like the frequency of my visits. Also XXXX pulled my credit for auto financing that I never authorized, this was never answered either. Errors to credit reporting need fixed. First things first, what can I do to repay the account into good standing while the above research and arbitration matters are resolved? Do you have any medical/hardship related payment plans, given the severity of my car crash and being limited to the amounts, types of work I can do. This medical XXXX has resulted in dramatic losses of income. Please offer me any programs I may be entitled to in writing to my home mailing address on file. 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 2017-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
This loan was originated XX/XX/XXXX as non-escrows and with a fixed mortgage rate. I have always maintained by own insurance and taxes as it was required. XX/XX/XXXX my payments increased. For months I attempted to find out what caused the increase but I was unable to get anyone to explain. After many calls XX/XX/XXXX I was told the increase was caused by a negative escrows due to Nation Star disbursing a premium for Flood Insurance. Because the payments had increase by more than {$150.00} a month I was unable to make the higher payment, especially without a clear reason as to what caused the increase. XX/XX/XXXX I was told that once the loan was current the account would be anaylzed and the payments readjusted to the original which was {$490.00}. After reinstating the loan to current XX/XX/XXXX Nationstar did not re analyze the account but instead said that I had a laspe in coverage and for that reason they added the escrows lines for taxes and insurance, On XX/XX/XXXX in a 3-way conversation with XXXX who identified herself as a supervisor in the escrows department at Nationstar, my agent XXXX from XXXX and a represetative from XXXX. It was confirmed that there had never been a lapse in Flood coverage. As a result of this conversation XXXX whose contact # she provided XXXX promised the account would adjusted back to its original payment. That was done. On XX/XX/XXXX I received a letter from XXXX XXXX from Nationstar Research and Response Department denyng my request to have the escrows removed. ( see attached ) The letter gave the process of appeal for their decision which was to show proof of coverage for the time period stated in the letter from XX/XX/XXXX to XX/XX/XXXX. As requested I provided proof of continueous Flood coverage from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX. ( see attached policies ). In addtion to the insurance line being added, Nationstar also added taxes. Nationstar did not give me time enough to pay my XX/XX/XXXX taxes before they paid them. Yes I agree I was late in paying them, they were due XX/XX/XXXX and Nationstar paid them XX/XX/XXXX but I had every intent on paying them with the late fee if given the chance. To date Nationstar has not removed the escrows lines and my payments have not been adjusted accordingly. This increase was caused by an error of Nationstar. As a result my payments were increase by nearly $ XXXX monthly and this has caused a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage has always Said they are the real CREDITOR of my XXXX Mortgage. payment were made. Applied for modification and made all my trials payment and yet they still go ahead a foreclose using some company call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. as Trustee to Sale my property. I have forwarded a R.E.S.P.A Qualified Written Request and Truth in Lending ACT. Nationstar Mortgage still revieled them self as a TRUTH CREDITOR and presented me with a COPY OF THE DEED OF TRUST. I Filed for Bankruptcy to stop the Sale and make some kind of payment arrangement. Confirmation hearing for my plan was taken place and the knew Creditor showed up in Court for a first Time as Plaintiff Deutsche Bank Lawyer. What happen to Nationstar Mortgage, I have being dealing with ever sinced ... I was told in COURT THE REAL CREDITOR NOW IS XXXX BANK. I have sent a R.E.S.P.A QUALIFIED WRITTEN REQUEST TO XXXX BANK AND AWAITING THEIR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
We had a water damage to our house in XXXX 2015. It has been a nightmare ever since to deal with Nationstar Mortgage. This is our 3rd complaint for the same claim. Nationstar told us after we complete final inspection, they will release the final check within 3 business days.We completed XXXX inspection, all repairs are done. We have report from inspector. I called them today and XXXX ( employee # XXXX ) told that they want a clean air test. They did not even look through the paper work. The air clearance test was done after mold remediation back in XXXX. Here it comes again, hours on the phone with Nation Star Mortgage, going in circles. Nation Star has a horrible practice of misplacing and mishandling documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BB&T CORPORATION
State: GA

Complaint narrative:
My business failed and my partnership dissolved. BB & T, after being notified that I am looking into bankruptcy options and am working on all my debt starting withdrawing money out of my personal account for the business credit card. They did this until I was over drawn and left with nothing. After complaining they stopped but now are steadily calling and harassing me and I am in fear of them draining my account again leaving me with nothing and no ability to pay any bills. I am committed to doing the right thing but I think it is an atrocity that they can take money directly out of your personal account for a business debt without notice and then allow your account to be in default to other creditors and then charge your account fees on top of that. It 's insanity.

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 2015-08-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
This is a case of deception, fraud, and misdirection with an XXXX ( stream line loan adjustment ) attempted with QuickenLoans. {$400.00} dollars were taken from me under the guise of a home appraisal, ( that may not have even been required ) and then applied it as Good Faith Deposit which I was never told was required. It was n't until after they had taken my money that they emailed me ( to sign ), a Good Faith Estimate indicating the {$400.00} as a deposit. This good faith estimate then changed XXXX more times before I could stop the process. In the latest GFE, they list not only the {$400.00} dollars as a good faith deposit, but {$500.00} dollars for the home appraisal. There are other factors of fraud which I will attach separately such as misleading interest rates, intentionally underestimating tax and insurance numbers, but the bottom line is this is a company in the practice of predatory and fraudulent loan activities. As such I want my {$400.00} refunded and Quicken Loans has stonewalled me at every turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, attorneys for Select Portfolio Servicing ( SPS ) have threatened foreclosure of my house see attachments. The CFPB has been clear through amicus briefs, examination procedures and guidelines that when mortgage servicing rights are purchased subsequent to a loan being in default, the Fair Debt Collection Practices Act ( FDCPA ) applies and a non-judicial foreclosure is in clear violation of the FDCPA. A XXXX of my house remains on XXXX stating there was an auction and updates are awaiting. SPS nor their attorneys have been able to provide historical loan records from inception of the loan. Recently, their attorneys sent me a Notice of Rescission of Mortgage Acceleration which supports the fact that a non-judicial foreclosure should not and can not occur. Despite my request for SPS to stop calling me, they continue to call. Please review all attached documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
I have a mortgage that is being serviced by Nationstar Mortgage. I tendered my deed in lieu of foreclosure back in XX/XX/XXXX and was told to move out of my house by XX/XX/XXXX. Shortly before the XX/XX/XXXX date I was informed by my contact person there that there was a problem with a " power of attorney '' that was delaying the closing of the transfer. After more inquiry I learned that Nationstar alleged that they did not have all the documents necessary to have an interest in the property since XXXX, the former servicer of the debt, had not sent in all the proper paperwork in XX/XX/XXXX or so. This " delay '' has continued since. I was informed via letter received XXXX ( although dated XX/XX/XXXX ) that matters would proceed to a closing in early XX/XX/XXXX. I again hustled to move the remainder of my items out of my old house to meet the deadline when I was informed by another letter that things had been pushed back to XX/XX/XXXX, then subsequent identical letters to XX/XX/XXXX and then XX/XX/XXXX. I made contact with XXXX in the Fall of XX/XX/XXXX and they informed me that they had completed all the paperwork and there was no problem from their end. I examined the chain of title to my property, and I found that Nationstar did not have a recorded interest in the property from XXXX to them. They did have a recorded transfer from Nationstar to XXXX in the Fall of XX/XX/XXXX. Coincidentally, XXXX filed their transfer from a prior servicer, XXXX, in the XXXX of XX/XX/XXXX, but the actual transfer took place in XX/XX/XXXX. I am upset that I have been paying Nationstar since XX/XX/XXXX and they do not have any proveable interest in my mortgage, and still do not have XXXX to this day. They apparently transferred whatever interest away in XX/XX/XXXX, but have failed to disclose that to me. Consequently due to the delay I have incurred multiple moving bills, had to maintain utilities on XXXX locations, and lost my original house that I was moving to to an arson fire because I could not move in to secure it. My phone contact person at Nationstar told me that the original letters indicating the need to vacate by XXXX and then XXXX were not sent from her office, but by another Department at Nationstar. Incidentally, I was on the verge of filing to participate in the national settlement that XXXX had entered into about these mortgage loans when they abruptly informed me that they transferred my servicing to Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have been working with SPS on a Deed in Lieu of foreclosure since XX/XX/2015. I signed the intent to vacate agreement on XX/XX/XXXX and vacated the premises on XX/XX/XXXX. As of today, I have not received the Relocation Incentive as promised and noted in the agreement. I continue to get erroneous status updates. The latest is that the check has been issued and is awaiting Manager 's approval. This was the update on XX/XX/XXXX ... .when I called today, they informed me it was manager approved on XX/XX/XXXX but they are unable to tell me when the check will be sent. I am without a place to stay because I have been waiting on the incentive to put down on a new place. I simply need the check to move on with my life. I feel like I am being taken advantage of by the bank since I surrendered and vacated the property on XX/XX/XXXX. I call almost everyday and I get conflicting responses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
I mailed a written request to my mortgage company Nationstar requesting stopping my mortgage insurance payments. They acknowledged the receipt twice. It has been over six months and they have not made any further contact regarding my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
My husband died two years ago. I have XXXX boys in college. My husband left me with significant financial issues, including outstanding medical bills, debts I was unaware of, a mortgage at a very high interest rate, etc. I began to try and refinance the mortgage over a year ago, with no success, due to my credit report. I tried repairing the credit history and still was not able to refinance. Finally, the mortgage lender NATIONSTAR MORTGAGE , LLC, told me I could be eligible for the mortgage assistance program. They told me to skip one month 's payment in order to show my need. Then, they signed me up for the new loan and told me I had to pay 90 days at a higher rate ( I assumed this was to make up for the payment that was skipped ). At the end of the 90 days, they lowered my interest rate from 8.3 to 7.8 percent - but my monthly payments went from {$2800.00} to {$3200.00} per month, plus accrueing fees of over {$200.00} per month which I ca n't get anyone to explain to me. In addition, Nationstar reported that I was late with those 90 days of payments, when in fact they were not only paid, but they were higher than the original mortgage payments. This then scarred my credit report yet again. Several more attempts have been made to try and refinance so I can get the monthly payment down to something manageable - but my credit report continues to hinder me. Not only has NATIONSTAR made the monthly payments higher through their " MAP '' program, they have added considerably to the amount of the loan itself. Before I started the MAP program, I owed approximately {$260000.00} on the house. I now owe over $ 270K. How does this happen when I literally begged for months for someone to help me? I do not want this to happen to others. Please help me and help others.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Jvs group
State: TX

Complaint narrative:
JVS Group based in XXXX, Texas continues to violate the Fair Debt Collection Practices Act ( FDCPA ) .They continue to report an erroneous collection on my credit report ( XXXX ) and continue to fail to communicate with me after 3 attempts to notify them by US Mail. They are in clear violation of Statue 809, validation of debts. 

I have requested to furinish the name and address of the Original Creditor in all XXXX instances and all XXXX are now over 30 days without any response or communication. Additionally, I also disputed directly this erroneous trade line with XXXX only to come back as being " verified '' when in fact JVS as not supplied XXXX or myself what I requested within 30 days of the law. 

Additionally, this erroneous collection trade-in appeared without JVS giving myself any warning nor any opportunity to notify me that I have the right to dispute any debt. 

Additionally, they are also violating the Texas Debt Collections Act State Statue 392.304 number 4. 

Not only have they not communicated with me within the 30 days allowed by law, they have never notified me once nor within 30 days after request by mail, who the original creditor, amount owed is. 

As of Tuesday XXXX, XXXX, 2016, I have also file a complaint with the Federal Trade Commission and the Attorney General Office here in Texas. 

I have consulted with an Attorney and will file both a State and Federal lawsuit if this erroneous collection trade-line does not get removed from my credit file by close of business XXXX XXXX, 2016. At minimum, either myself or my attorney must have a AUD showing the deleting of this erroneous collection trade-in. 

Please let it be know that this also has caused massive financial harm which is another violation of not only the FDCPA but also the Fair Credit Reporting Act ( FCRA ). 

They have been warned and will be receiving complaints from addition regulatory agencies. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Our adjustable mortgage has become unaffordable for us. 
1. Because we lost significant employment in 2014. 
2. One of us has just retired, the other is semi-retired. 
3. We asked our mortgage company for a mortgage modification and they refused. 
4. We listed the house for short sale, and the mortgage company continues to refuse the offers. 
5. Now we 've learned that they 've put this house up for auction, claiming that we consented to that. However, we never knew that we did. We believe that " consent '' was hidden the short sale agreement deceptively. 
6. We have stopped making our house payments effective XX/XX/XXXX as a result of all this. However, we want to stay in the house. 
7. We have called the mortgage company repeatedly asking to speak to someone about renegotiating our mortgage, but they never call back. 
8. They have revised their Website. We can no longer log on to our account or obtain any of the correspondence we had posted with them there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
My mortgage is currently in foreclosure with an auction date of XXXX. The nationstar agent and i reviewed my transaction report and agreed i am no only current but ahead of payment schedule. They said they could not complete due process by the XXXX date and the only alternative, given the time frame, is to send them almost XXXX. I began in XXXX trying to find out why they think i owed them XXXX. It was the last of XXXX when i received a foreclosure letter. I have documentation but the form will not allow me to upload it.

Company response to consumer: Closed