vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am the trustee of my parents estate, my parents had a reverse mortgage with Champion Mortgage. They had a credit line mortgage with no monthly payouts and still maintain XXXX dollars in equity in the home. I contacted Champion Mortgage, in XXXX of 2015, informing them of my mothers death and was told I needed to send a letter of intent and a copy of the death certificate. I sent XXXX by fax, my letter of intent stated I wished to refinance the loan. I hired an attorney who started the legal process of having me put on title. I also faxed a copy of the trust which I had to do several times as Champion stated that not all pages were received. I know this to be false as I had XXXX person there count the pages to me. My attorney had a court date in XXXX of 2015 of which I informed Champion and my attorney sent legal papers to to them. The court date was put off till XXXX XXXX 2015 of which we also informed Champion. I and my attorney received letters of default as of XXXX XXXX 2015. I contacted Champion and was told that the reason I had gone into default was that my trust was incomplete and was misssing page XXXX. I contacted my attorney and she also contacted Champion, and also was informed that page XXXX was missing.My attorney faxed a copy of the trust to their document department, and was told to have me check back in a couple of days. I checked back and they stated that they had not received the trust and the reason for default was that I had not secured funding for the refinance. I told Champion that I had contacted several mortgage companies, and was told that since I was not on title they could not help and to call back. I contacted a mortgage broker and explained my situation and my wife and I met with her. My mortgage broker explained to us that with a foreclosure listed on the property we will be unable to secure financing. I believe that Champion is trying to take advantage of this situation, I have kept them informed of the process and have been working the goal of refinancing the home. Champion new of my court date in XXXX and still filed the foreclosure knowing I would be unable to refinance. I have stated that Champion is still charging a monthly mortgage on the home and also list many fees which I do not understand what they are for. They have fees for inspections and mortgage insurance that I do not believe should be added on. My mortgage broker had me request a payoff, original copy of the note, and list of all disbursements. I contacted Champion and was told to submit in writing via fax, we have not yet received the information.. I have received tons of mail from their attorneys in Texas with the huge postal charge which I assume with added on to the mortgage. 
I have kept Champion Mortgage informed of the process and have followed their instructions all along the way. I can only assume the roadblocks they put up are so they can foreclose on the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: KS

Complaint narrative:
XXXX XXXX ( servicing company ) sold my mortgage to Select Portfolio Services ( SPS ) in XX/XX/XXXX. I was approx XXXX months behind on my mortgage when the change occurred ( XX/XX/XXXX ), once the loan was transferred to SPS, I paid {$3000.00} on XXXX in effort to catch up to what I was behind, per the statements from XXXX, with a remaining balance of {$300.00}. In XX/XX/XXXX, SPS sent a statement indicating that I was behind {$7600.00} which included the arrears, there was an amount of {$2800.00} was assessed in compounded interest which was deferred interest that should have been added to the end of the loan per a XX/XX/XXXX loan modification agreement I signed with XXXX. The {$2800.00} was instead added to the loan, and I was also advised of a {$1900.00} escrow shortage. I received XXXX notice of a escrow shortage, and there was no indication there was an issue. As a result of the escrow shortage, SPS placed Forced Insurance on my mortgage, and my payment went from {$1200.00} to {$1500.00}. I spoke to SPS about the problem and explained to them the lack of notice about this escrow shortage, and the forced insurance was cancelled but after XXXX months. I was not returned the amount that was assessed as a result of this insurance, when in fact, this insurance should not have been placed on the account in the first place. I ask that CFPB look into the practices by SPS as they have placed a financial burden on me, due to having to my payment going up, and this has caused significant stress this has placed on my personal life.I want to stay in home and would like to continue to make my payment, but the lack of miscommunication, and the error by SPS have been become far too many, and I bring this to your attention, as there very well may be other in my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: LA

Complaint narrative:
My account with Sheffield Financial Corp was opened XX/XX/2008 and paid off, they keep reporting the account on my XXXX Credit report even after I keep asking them to remove it because its over 7 years old.

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 2015-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am claiming that SPS, " select portfolio servicing '' is purposefully holding up the process of the short sale on my rental property. They have drug their feet on XXXX offers and have sent me several letters that I do not qualify when in fact they have received every document they have requested and many times duplicates had to be sent because of them saying that the documents were lost. This process has been dragging on for 5 long, grueling months with a tenant who also has no idea what is going on or a reasonable time frame in order for her to move and find another home. They have sent me threatening letters and gave me incorrect information on several occasions about the processing times. They just recently told me I could n't access my own property/loan information. Because they had the wrong zip code in for my property and because I could not verify the zip code ( because it was in their system wrong ) I was not able to get an update of my short sale. This company is a crooked, useless group, which bought out my loan with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
Dear Sir or Madam : In Re : loan # XXXX reason for me writing is that I am in the middle of a loan modification but are also in the middle of a foreclosure file by Nationstar Mortgage behind your back, who scheduled a sale of my property for XXXX XXXX, 2015, that I was not aware of, feeling secure while relying on the mortgage company 's promise that they " we will not foreclose while I am in the process of obtaining a loan modification. 

Furthermore, I believe the mortgage had already turned my loan over to a foreclosure attorney while luring me into believing that they are trying to work on a loan modification. This due process is called dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan modification process and this is a violation of the National Mortgage Settlement. 

Lastly, I have submitted the form XXXX, Hardship Affidavit ; and Dodd-Frank Certification to my dedicated loan Specialist XXXX XXXX XXXX who is working on my file. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX XXXX

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: FL

Complaint narrative:
Hello my name is XXXX, I am purchasing a home that has a reverse mortgage and is a short sale. The short sale lender is refusing to pay the past due property taxes. After doing some research, I came across a master servicing agreement that states ; its the servicers responsibility to pay the property taxes. So why am I being forced to pay a fee that is the servicer responsibility as per this agreement. They are forcing this additional cost, which may cause me to have to come up with an additional {$4300.00}. Also, since they owned the home prior to me closing, should they not provide me a credit proration on my CD from XX/XX/XXXX till the day of closing, and how would this work if I 'm being force to pay such fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
XX/XX/XXXXTo Whom It May ConcernREF : Borrower requested cancellation of PMI and refund amount of excess PMI paid alreadyThis is in regard to the communication I have been having with NationStar Mortgage in regard to my PMI Cancellation requestBased on my PMI Disclosure statement which was provided to me when we ( my wife and I ) signed up on the closing of our house and obtained mortgage XX/XX/XXXX, it clearly states that, irrespective of the outstanding loan balance, my PMI should be immediately removed XX/XX/XXXX. 

The date for my principal balance of the loan to reach 80 % has already passed by, and I sincerely requested them to cancel the PMI payment immediately from the total amount of my monthly payments. 

In fact, as further stated in the document, the PMI will automatically terminate on the date the principal balance of my loan is first scheduled to reach 78 % of the original value of the property, based solely on the initial amortization schedule for my loan and irrespective of the outstanding balance of my loan on that date. This date is XX/XX/XXXX. 

The mortgage company told me to follow up with them after making the XX/XX/XXXX instalment, and I did contact them again in this matter. 
They are now responding that I still need to continue and pay PMI till 70 % of the original value of property. 
This is not right, since the PMI disclosure already has 78 % XX/XX/XXXX for PMI to be removed. 

Please look into my case and kindly take necessary action accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: HI

Complaint narrative:
Is Quicken Loans a Fiduciary or is their advertising False or Misleading. 

A Quicken Loan advertisement running on many podcasts states, " A company that has your best interests in mind. XXXX Mortgage.. '' I believe the plain meaning of these words that a reasonable person understands is that having " Your best interests in mind '' means Quicken Loans will do what is best and right for you, the customer or borrower. It means Quicken Loans will do what 's right for you, even if not necessarily best for them. They want you to believe they will act in your, the borrower 's best interest ... that is with a Fiduciary interest. This on its face seems false. The lender wants a high interest rate, the borrower wants a low interest rate. If they are not a Fiduciary with " your best interests in mind '', then Quicken loans is misleading. 

This ad was on the XXXX XXXX of XXXX XXXX, 2017 in the first few minutes. 
XXXX. Also I heard it on the XXXX out this cool episode : XXXX. I continue to hear Quicken loan ad including today on the Economist podcast. 

I have called Corporate Offices at Quicken Loans and asked about this ad I have not received a reply. 

I would appreciate appropriate actions to end Quicken Loans apparent false or misleading advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
In XX/XX/2008 my wife at the time withdrew XXXX dollars out of my IRA acct. XXXX individual times with forged signatures infill acct was closed.I did not give her permission. During this time the banker at the time witnessed to me that my wife at the time had her totally fooled. The bank was bb t XXXX branch on XXXX nc. Bankers name was XXXX. I am seeking retribution or someone to own up to the XXXX dollar mistake

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 2015-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Hi. I had been contacting Nationstar since XXXX of 2015 to apply for a loan modification. They told me call in a few weeks to check the status and I did. I contacted them XXXX XXXX, 2015 and they said they never received them so I resubmitted on XXXX XXXX and again was told to check in a few weeks. Called them XXXX XXXX, 2015 and the same we never received them, resubmit. After this time of resubmitting I get a response saying to refprmat the documents to PDF, now I knew I had the right email all along because I received a response. I have a buyer interested and he needed the oay off information with reinstatement fees and all so I requested the fees on Monday XXXX XXXX, 2015 and was told to call back in 24-48 hrs, so I did. I called XXXX XXXX, to try to push the date further to allow my buyer to get the funds. They said they would send me an exacted pay off with in 24-48 hours. At this time ( Friday XXXX XXXX, 2015 ) I received an email at XXXX ( after hours ) with a link to get in to get the payoff, and was unable to get it yet alone call them back. First I was told to call the lawyer representing them so I did then told to call Nationstar which already have. I am on XXXX and explained to them my situation since about XXXX XXXX, 2015. Today is XXXX XXXX, 2015 the day before the foreclosure auction and now they want me to get the funds from my buyer and that is impossible because I still need the pay off amount. Being that they have been doing this for 4 months really show that this was there intention all along and also I have heard similiar situations like this happening. It 's not right. Once I told them I was on XXXX for 11 years and limited on income they stopped everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
I listed my house for short sale due to the banks inability to negotiate a loan mod, that loan mod has been going on for XXXX yrs. ( 2009 ) so as I was mentally exhausted from the ordeal I tried to sell my house via short sale and I feel they delayed the deal due to incompetence and we lost the buyer. They took over XXXX months and still have not accepted or denied the original offer. I thought they had XXXX or XXXX days to conclude the process?? I would like someone to validate their efforts or recognize their inefficacies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
I requested to cancel my escrow account and Nationstar refuses because they say my LTV ratio is above 80 %. It is 89 % according to their calculation. This is not possible as I put down 20 % of the purchase price when I bought the home in XXXX of 2009. I am located in a very desirable neighborhood in XXXX, CO. This home has only gone up in value. I have paid my hazard insurance in full for the year, I have never missed a payment or even been late with a payment. This is a simple request that is well within my rights a responsible home owner and I have wasted way too much time trying to get this request fulfilled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I am a resident of Florida suffering from multiple XXXX including XXXX. 
I have had my howeowners insurance, XXXX XXXX, since I bought my home in 2011. This year I notice my mortgage holder was about to double my rate, from {$960.00} to about {$1900.00}, and I noticed that my insurance had changed from XXXX to XXXX and that I had gone from paying {$2800.00} to {$6800.00}. 

XXXX, my mortgage lender, had just informed me via letter that this had been switched the year before, but they never adjusted the amount of mortgage ( just a few bucks so I - thought it was property tax increase ) ; hence, a BIG SWITCHAROO was done by both XXXX, WITHOUT MY CONSENT. And then concealed by my mortgage holder as I would have known if the monthly payment would have doubled. 

So even with me correcting this and switching back to XXXX, there is still one year of monies that I am now being forced to pay my mortgage lender ... This is roughly {$4000.00} for the year that is being included in my monthly payments now and I ca n't afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: AR

Complaint narrative:
Last year ( XXXX ) we bought a house and financed it through XXXX Bank. Later the loan was sold to BB & T bank. Last month ( XXXX ) we refinanced our loan. With the refinance process, a new escrow account was set-up with the new lender XXXX XXXX Bank XXXX and it was funded at the close ( for about {$2500.00} XXXX We have already received the letter from BB & T ( the previous lender ) that the loan is paid off. At the time off the refinancing, BB & T had about {$2100.00} dollars in the escrow account. Since then I have asked BB & T various times over phone and via their secured online email process that when the escrow will be refunded back to me. So far I am not getting any straight answer. 

I want them to return BB & T my full escrow amount without delay and would like your help in resolving this without delay. 

Thank you for your help in this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Called SPS Portfolio Servicing to make my XXXX mortgage payment on a permanent loan modification and was transferred ( 6 ) times to different representative. Lastly XXXX XXXX, SPS Collections Manager tel : XXXX working hours XXXX -XXXX ( Monday through Thursday ) indicated that the instructions from SPS Attorney, XXXX XXXX was to refuse payment and transfer the call to her office. I have tried at least 6 times to make the payment over the phone. On hold now for 1 hour 45 minutes. I have asked to speak to upper management by XXXX XXXX indicated that he is the manager on duty and can not accept my payment per SPS Attorney, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
ILLEGAL FORECLOSURE AGAINST OUR HOME ... AUCTION SALE XXXX XXXX, 2016. PLEASE HELP! 
NATIONSTAR MORTGAGE LLC- THE SERVICER TURNED " LENDER-ASSIGNEE-MORTGAGEE '' WITH NO MATERIAL PROOF ... ALLEGED LOAN ACCOUNT RECENTLY DISCOVERED TO BE LEGALLY NON-EXISTENT ( DELETED BY XXXX BUREAU FROM XXXX XXXX CREDIT REPORT IN XXXX 2016 ) ... FAILED DEBT VALIDATION REQUIREMENTS -- WITH MULTIPLE VERSIONS OF THE AMOUNT OF DEBT, AND THE IDENTITY OF THE HOLDER OF THE BENEFICIAL INTEREST ... .SUBJECT TO COLLATERAL ESTOPPEL AND WAS ISSUED A CEASE AND DESIST PENDING DISPUTE OF ALLEGED DEBT ... .YET, BLATANTLY IGNORES EVERY FEDERAL AND STATE STATUTE ... '' AND MAKES CLAIM THAT ITS COLLECTION EFFORTS ARE OUTSIDE OF DEBT COLLECTION given it is foreclosure-related.. '' RECORDS THE UNLAWFUL NOTICE OF DEFAULT THAT IS BEHIND THE FORECLOSURE AUCTION SALE OF OUR HOME ON XXXX XXXX, 2016 ... WITHOUT AN IOTA OF MATERIAL PROOF TO THE RECORDED FORECLOSURE INSTRUMENTS PURSUANT TO CA CIVIL CODE 2924.17. 
PLEASE FIND ATTACHED. ( The additional exhibits are being sent via fax. ) THANK YOU FOR YOUR URGENT INVESTIGATION AND ENFORCEMENT ACTION!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have attempted to save my home from foreclosure for the past 3 years : I have {$200000.00} to pay towards my mortgage and I am getting no where with Select Portfolio Servicing : They say my investor XXXX does not participate in modification but I find information that states that they do : I just want to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have been trying to get a re-modification for 3 yrs now. The mortgage company continue to ask for the same documents over and over again for the re-modification which has prolonged this process now for about 7 more months. During this re-modification process I had a house fire XXXX/XXXX/XXXX and now the mortgage company SPS XXXX Select Portfolio Servicing Inc ) has a hold on the funds provided by the insurance company to pay for the repairs. All moneys had been sent to me, I endorsed the checks and forward them to SPS for repairs now they wo n't let the contractor draw the funds to do the repairs. I have a deadline for my temporary housing paid for by the insurance company of XXXX/XXXX/XXXX. Loan # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation