vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX . In XXXX, Florida, for over 15 years, with my Spouse, who passed away, and there began my struggle to keep my home with the reduced income, since I was only a part-time XXXX Instructor. At the time EMCserviced the Mortgage, and I had a difficult time trying to do a loan workout with them. Suddenly XXXX XXXX, took over and quickly sold the Mortgage to the current Servicer, SPS. I reached out to SPS and it took almost a year before I began receiving correspondence from SPS. I have submitted Loan Packages over and over, only to be told they never received any of them. Now I have an experience Third-Party who have managed to get a response from SPS, However, my dilemma worsen when my home caught on fire, and the Insurance Company moved me into a rented Apartment. This house was determined by the Fire Inspector, and the City Inspector to be inhabitable. The Adjuster, have determined that it will take {$100000.00} to restore the home to standard. They have sent the first Check in the amount of {$67000.00} as the first installment to get started. The Contractors are ready, but SPS IS HOLDING THE CHECK because they are not sure they want to rebuild it because I am in default. Meanwhile, the Insurance Company will only extend the time until XX/XX/XXXX. to remain in the rented Apartment. SPS, will not make a determination on the Request for a Loan Modification. I want to remain in my home, because of the memories and the incompetence of XXXX, and XXXX XXXX cavalier attitude, I am stuck with TIME RUNNING OUT, AND I WILL BE HOMELESS!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I unfortunately had to enter into bankruptcy and was advised by my attorney to close my checking accounts and open new ones. I had a checking account that was supposed to allow no OD/NSFs on the account and left approx.. {$2.00} in the account. I opened new accounts at a new XXXX. I had XXXX car insurance payments on auto draft that still attempted to draft on the old checking account, but were not paid and I paid online directly. The old XXXX charged me OD fees on a checking account that was not supposed to assess fees per my agreement. I tried to close the checking out prior with a positive balance, but was told I could not because I had a balance in the account. I tried to close the account out but again was then refused because I had a negative balance due to NSFs. I refused to pay the NSFs, due to having an account that was not supposed to assess NSFs. The bank refused to remove the NSFs and has now reported me to a collection agency.

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 2016-12-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: MD

Complaint narrative:
XXXX referred an alleged debt to a collection agency and the debt was not discharged in their favor. The have subsequently sold the same account to XXXX other collection agencies. 

I am being harassed by these companies for a debt that has been settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ

Complaint narrative:
Received emails and I asked them to send me something in the mail and they kept on emailing as if they wanted to annoy, then started calling and I asked them again! Then they waited a week and the calls started again! It was for a XXXX XXXX account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
Nationstar will not give payoff amt to Totle company to close on sale if my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I 'm having extreme difficulty with Quicken Loans 's unscrupulous business practices & breached or lack of commitment to what has been promised in terms of rates/costs for a potential refi in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I issued a Qualified Written Request to my servicer in XXXX. Shortly thereafter the servicer requested an extra 15 days to respond. Servicer still has not responded and has gone well beyond the 15 days requested. In addition, when I requested a mortgage assistance package I was told by a representative of the servicer that I would not be allowed to apply for assistance. Instead of responding to the Qualified Written Request or allowing me to apply for mortgage assistance, the servicer has scheduled a foreclosure sale. This is the preferred method of offering assistance with my servicer - Select Portfolio Servicing.

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 2017-01-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Rocket Mortgage, LLC
State: MS

Complaint narrative:
XX/XX/2015 I had applied for a loan with several lenders, one being Quicken Loans for money to build a house using land that I currently own and live on. In the course of the conversation I was treated fairly and basically told I had the loan but towards the end of the conversation I mentioned we own some XXXX not really thinking it had any reference. I was then told that the loan is denied as they ( quicken ) do not make loans to XXXX? I explained that we do not make a living from XXXX, we just have more or less a hobby..some XXXX and XXXX. 
Is this a legitimate reason for determination : I later received a written letter stating reason was unacceptable property type. My credit is excellent by the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I want to report US Bank for illegally foreclosing on my condo by committed fraud on the courts. Included with this complaint is a report from a forensic document examiner who discovered that US Bank and/or associates forged my signature as well as submitting fraudulent document to the courts. After reviewing my evidence file at XXXX XXXX XXXX XXXX XXXX XXXX and consulting with an expert foreclosure attorney, I uncovered several facts that reveal US Bank intentionally committed fraud to take my property away from me. 

Fact 1 : They forged my signature on several documents including the promissory note. 

Fact 2 : US Bank initiated a foreclosure lawsuit in XXXX XXXX, XXXX claiming that they had possession of my original promissory note at the time they filed their lawsuit. This is impossible as the original promissory note was in the possession of XXXX XXXX XXXX record from XXXX and was released to XXXX XXXX XXXX in XXXX XXXX. 

Fact 3 : In XXXX XXXX my mortgage assignment was transferred from XXXX XXXX XXXX XXXX XXXX Mortgage, XXXX four month after US Bank initiated their foreclosure on my property. I do n't understand how US Bank had positioned themselves to continue with their foreclosure when they were n't a legitimate party in this transaction. 

Fact 4 : My initial lender, XXXX XXXX XXXX XXXX, who went out of business in XXXX, acknowledged in XXXX XXXX that my promissory note was either lost or destroyed when they submitted a copy to XXXX XXXX XXXX XXXX. I do n't understand how US Bank or XXXX claims that they have the original when it was reported lost or distroyed. 

For over three years I have been fighting to save my property from banks who were not willing to work with me and my attorney. Despite me having the financial mean to meet their financial demands they still refused to come to any agreement. Today I am convinced that US Bank has been obstructing any chances of me keeping my property. They have gone to great length of committing fraud to take my property that is n't legitimately theirs. 

In XXXX XXXX, US Bank succeeded in foreclosing on my property but my case is on appeal since my bankruptcy dismissal. It will be months or even over a year before we can go before the judge share our discovery. I want to report US Bank for committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
Re ; loan # XXXX Over the past years Nation Star assumed servicing of my home mortgage from XXXX ( XXXX ), who assumed it from XXXX XXXX XXXX XXXX XXXX XXXX, who assumed it from XXXX who was the original bank on XXXX/XXXX/XXXX. XXXX invited me to a loan mod out reach event in XXXX RI years ago when they serviced loan in which they identified mine as " preditory '' however were unable to help me after it was determined the " investors '' didnt participate in a program of relief for my product ...??? 
Over the years since XXXX no servicer has honored my adjustable rate rider terms which was to drop my rate annualy & calculated an inflated arrears amt since I fell behind in XXXX that year. This inflated balance has also effected numerous in house loan mod denials as it throws off ratios. Last month Nation Star falsely claimed {$350000.00} amount in arrears on my loan mortgage ( if determined to be valid ) is incorrect. At time I fell behind in XXXX XXXX my principal was around $ XXXX & now I 'm informed its $ XXXX along with this additional $ XXXX in arrears! 
In past servicers such as XXXX & your own co. had indicated the wrong interest rate at 6.75 % beyond XXXX XXXX. My rate was to be fixed for 5 years per my adjustable rate rider originally signed with XXXX. Effective XXXX XXXX it was to have adjusted to 3.75 %, 2.875 % on XXXX XXXX, 2.75 % XXXX XXXX, & 3 % XXXX XXXX. Bank XXXX acknowledged the XXXX rate adjustment in XXXX prior to XXXX servicing the loan. Sls had acknowledged the rate however it was not consistently correct on statements nor in calculations as with your co. Although they now finally indicate the correct rate is being applied currently ; I retained a CPA who can not substantiate a past even less recent aggregate amount. In the past I had an Attorney, a CPA, & myself requested a review of this matter as well as a corrected amortization schedule. I no longer can afford to pay an attorney & CPA to make sense of the aggregate as its a waste of time & the Bank is unable to provide adequate info nor substantiate past inflated amounts. 
Ive requested they rectify this issue & recalculate this aggregate as well as provide an amortization otherwise I 'm trying to secure a loan mod on an inflated erroneous amount. In past I 've been denied numerous loan mods for for reasons related to insufficient income or not enough disposable income ; which this inflated aggregate is effecting the ratios on. I was most recently denied a few days ago & once again am facing foreclosure. Please Help me & my family. " Thank You ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I am very devastated with all the excuses SPS has used in order to prolong my loan and all the fraudulent actions that are being used against me to deny my loan for any assistance.This needs to stop! Our monthly income is {$3000.00} and my monthly expenses are for the amount of {$2500.00}, this includes my mortgage payment. I have a surplus of {$460.00} left at the end of the month. SPS has changed my income for their own advantage and to deny my loan.I have always provided my proof of income to SPS. However, SPS keeps forcing me to re-apply all the time. I am not working nor my husband and we only collect social security income and rental income. SPS has my rental lease and my Social security award letters for proof. However this seems to not be enough proof for SPS. My husband and I are elderly people and this is starting to affect our health. We just want to save our home and fighting our right as home owners. We did not want to do this but we are just tired and we are in desperate need of assistance. I am attaching proof of the last XXXX reviews done by SPS and you will see how my income has being changed for there own advantage. Please help us to stay in our house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Our review process for Nationstar 's furnished documentation was delayed by its refusal to timely accept our authorization to speak to our attorney. Now that our attorney has found and relayed our complaints regarding Nationstar 's misapplication of payments during bankruptcy, unauthorized charges, and multiple servicing issues, as well as statutory authority issues with the upcoming trustee sale, Nationstar has not postponed the trustee scheduled for XXXX XXXX, 2015. There is no way that Nationstar will respond in time, and the delay was its fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I have been disputing the alleged debt Nationstar Mortgage , LLC claims their acting in the capacity as servicer for the XXXX since XXXX XXXX, XXXX. I 've reported complaints to the CFPB as well. Nationstar consistently submit fraudulent and false information. All the information Nationstar has sent to me and the CFPB has been contradictory. In an effort to get clarification on this alleged debt, I requested my FHA loan history data to compare it to what has been submitted to me and the CFPB. I 've attached the FHA Case Details sent to me on XXXX XXXX, XXXX. It further complicates the matter. The status of the alleged loan reported to the FHA is incorrect as well. I will be filing an FHA complaint with XXXX, Secretary and XXXX, Inspector General of the HUD Administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: MS

Complaint narrative:
In 2015, I was approved to purchase a house. I never made this purchase. In XXXX of 2015, I decided to contact my current mortgage holder in regards to refinancing. I spoke with XXXX of Nationstar mtg. I was told it would n't be a problem and passed along to the closing coordinator XXXX XXXX XXXX XXXX. A couple weeks later I was contacted by the closing coordinator and told that we would be closing at the end of the month. I then asked the closing coordinator if I needed to continue making my mortgage payment, and she stated that there was no need to continue making payments and depending on exactly what day we closed I could possibly have two to three months before the first mortgage payment would be due on the new loan. I was eventually contacted by XXXX and asked why have I not made my mortgage payment. I explained to her the conversation that I had with XXXX XXXX, to which XXXX responded that this would probably keep me from getting the loan and that XXXX XXXX must be new and did not know any better. Since that conversation I have tried contacting XXXX XXXX and XXXX XXXX and I can not get them to answer the phone and they will not call me back. Now I have tried to get reapproved to purchase another house and I can not get approved due to the current late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
I originally had bought a condo here in XXXX in XX/XX/XXXX with an interest only XXXX loan. The XXXX % was a 5-yr ARM and the XXXX % was a Heloc. I had used a loan officer in XX/XX/XXXX to deal with the bank at the time ( XXXX was first then XXXX then XXXX XXXX XXXX and now Nationstar ) which was XXXX XXXX XXXX. They told us no as I did not qualify for any programs at the time even tho I was never late and had high credit score. At 5-yrs I contacted them myself to same end. Then with the rates so low it adjusted in half and continued to remain low with each adjustment at every 6 months. Then I retired XX/XX/XXXX and XX/XX/XXXX they sent letter saying they were charging me XXXX dollars each month towards principal along with the continuing XXXX plus dollars interest. I have paid at least XXXX dollars interest only on the loan. I called them after receiving the letter only to be told i had XXXX options. Lower rate which I was already at lowest or extend term of loan but that it would cause me to have higher rate which would wash out savings. So they told me to best stay at where I was. I paid the principal only for XX/XX/XXXX then just stopped paying both banks, Nationstar and XXXX. I know Nationstar has several lawsuits against them thus far. No harrassment as of yet, but My loan is going into default then foreclosure soon. I am contemplating seriously Chapter XXXX Bankrupcy. My credit was at XXXX plus or minus til this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Select Portfolio send me a refund check from my escrow account. I did n't cash the check for over a month but when I did select portfolio cancelled the check. My bank charged me XXXX for a bad check. I called Select Portfolio after a 40 minute run around they said they did cancel the check. They could n't tell me why I was n't notified but stated if I faxed over the document from my bank they would reimburse me the XXXX. That was back in XXXX. When I call they just blow me off and say they are working on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
My loan was refinanced under HAMP XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX I received a letter From Nationstar Mortgage that I qualify for the {$5000.00} principal reduction because I was in my 6th year with no late payments. I just need to fill out the form ( XXXX ) and return it to them. I sent the letter XX/XX/XXXX. By XX/XX/XXXX I did not hear back from Nationstar. A couple more months went by and XX/XX/XXXX I reached to Nationstar and was told it was denied because it was after the deadline of XXXX XXXX. Even though they told they received the letter almost 3 months earlier. Then I spoke to a CSR on the phone they told me I was denied because the form was filled out incorrectly. My wife & and I signed the form, but only put the last XXXX digits of our SS #. Even though we were never contacted or received any correspondence regarding missing information as they stated. the form was received so I sent an email to get a confirmation. They responded saying they received the letter and would contact me if additional information was needed called and emailed Nationstar if my form was received with no response. Finally I got a person in the research department that said it was an error by Nationstar and we would receive the principal credit.Then in next month I received a call regarding refinancing my loan. I asked specifically if I refinance the loan under HARP if it was affect us getting the principal reduction. I was told it would not affect and that Nationstar would either send us a check or deduct the new loan. Now that the loan was refinanced XX/XX/XXXX Nationstar is saying the loan does no qualify because to was paid off. At every turn Nationstar dragged their feet getting me information, answers, the opportunity to correct any errors and flat out lied about the pay incentive program to make money on a refinance I would not have done. If they were doing this to me they have done it to others. This could have been avoided with a simple phone call, email or letter stating it was denied so I could have sent an corrected for which was only missing the beginning of our SS # s.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have had a very difficult time with Nationstar. It originally started with XXXX, then XXXX XXXX XXXX. I am now with Nationstar. I have never been offered help to save my home. I am 9 years late with an 8 % mortgage. We are over our hardship and would like to apply for a modification. We have never received a modification. Nationstar is saying XXXX XXXX is our investor and they do not do modifications. They refuse to offer help to save my home. I know for a fact that is not true, XXXX XXXX does loan modifications. For the the past 9 years the lenders would not help me with modification to avoid a foreclosure. Because of there dysfunction by mortgage is huge from interest and fees.

Company response to consumer: Closed with explanation