vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
I have been diagnosed with XXXX, XXXX XXXX, and XXXX and i am under a doctors care. The past XXXX years i have been unable to work steady i have fallen behind. In addition the current interest rate on my loan is 6.5 % and had tried XXXX times for a loan modification over the past 4 years and i was denied every time, had i had a reasonable interest rate i would have been able to hang on. I now have a family member that can buy my home from me for the note and stop the foreclosure but need to get in touch with the bank to see if they will work with me thru this process so they can get paid off and I can stay in my home. 
I have been unable to get a contact at XXXX XXXX or NationStar, The servicer, that can help me or put me in contact with someone that can assist me. i need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
since XX/XX/XXXX XXXX I have been working with my mortgage co. Nationstar. THE AGREEMENT WAS TO LOWER OUR MONTHLY MORTGAGE PAYMENT AND LOCK IN OUR INTRESET RATE AT 4 %. We went thru the XXXX California program for the funding of {$51000.00} that was paid to Nationstar on XXXX/XXXX/XXXX to pay down my principal balance to lower my monthly payment.This process took from XXXX XXXX to XXXX XXXX I would call to get an update I was told it is pending, it is in process, I was never told that any other paperwork was needed. I called in XXXX XXXX to get an update in my new monthly mortgage payment I was given the same monthly amount before the principal reduction payment. when I told Natonstar XXXX this is NOT CORRECT I was told that I needed to request a RECAST. I told Nationstar for the last 4 months I called for updates I was told it is pending from XXXX XXXX to XXXX XXXX. I called XXXX California for their help and I was told to handle it with Nationstar.. I have tried to get in touch with the recast dept.you cant reach them by phone. I have to leave a message or have someone within the company E-Mail them, so we play phone tag. I have filed a complaint with Nationsta NO response to date.Nationstar has had me contact several different depts. that cant help so this has taken too long and they have given me a final date of XXXX/XXXX/XXXX to have the recast paperwork in. Thanks for your time hope to speak with you soon ( My work days and hours vary from day to day )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
I was applying for a Laon modification thru XXXX, and the mortgage company told us that the propety was on foreclosure sell since XXXX/XXXX/2016. Which I was not notify about the action Being taken. I was not notified

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BB&T CORPORATION
State: NV

Complaint narrative:
Regional Acceptance Corporation dba BB & T Financial Services are constantly reporting inaccurate information regarding the auto that I have included in my BK-XXXX federal protection in XXXX 2013. I have contacted them several times and they keep reporting inaccurate, damaging and defamatory information against me to other auto lenders and car dealership that prevent me from obtaining credit under my own name. I have spoke to Senior Vice President XXXX XXXX at Regional Acceptance Corporation and he still has not corrected this negative and damaging information on my credit report. Regional Acceptance Corporation and its affiliated were contacted and served with prompt and proper notice of my BK-XXXX on XXXX XXXX, 2013 and lately have been reporting the car note to be late in both XXXX and XXXX of 2013 when in fact that is not true at all! There was never a late payment on this car note/auto loan. This BK-XXXX was fully discharged on XXXX XXXX, 2013. So they have no right to report damaging information as to the lates on the auto loan when in fact it was included in the BK-XXXX on XXXX XXXX, 2013. I want this OFF my credit report at once!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has been unable to afford the house payment and has decided to attempt the foreclosure alternative of short sale. Her attorney 's office contacted the lender to verify if we could attempt a modification or short sale review. On XXXX/XXXX/2015, the authorized XXXX party was advised by a representative at NationStar named XXXX, that the foreclosure sale is set for XXXX/XXXX/2015. He stated at this point they need at least XXXX days to review for a short sale and the borrower could do short sale. The attorney 's office had sent a HOME AFFORDABLE ALTERNATIVE PROGRAM ( HAFA ) notice stating that they have failed to provide the borrower in writing these options. That notice was sent XXXX/XXXX/2015 and has yet to be responded to. The borrower is prepared to list the property for short sale and just wants the opportunity to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: MNE Services, Inc
State: NC

Complaint narrative:
I filed a complaint to the XXXX Dept of Justice approximately XXXX years ago against a payday loan company after they continued to draft money from my bank account long after my loan was paid. NC DOJ wrote a letter to this company advising that their loan was illegal in NC and ordered them to stop all contact to me. I also closed that bank account. They are now calling me and my children and family threatening me with coming to my work and saying they have a case against me. Even calling my XXXX daughter at school. I only have the many phone numbers they call from. The main one is listed first. XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been a Chase Bank customer since XXXX, in XXXX XXXX I was selling an item on XXXX and the buyer paid me with a certified check the check was written for more than what I was selling the item for, I questioned the buyer he told me the excess funds were for the shippers in order to send the item to him. I deposited the check in my account but something seemed strange as he kept messaging me to wire money to the address he provided. I immediately contacted Chase Bank 's fraud department on XXXX XXXX and told them of my concern regarding the check and the way the buyer was acting. The person at the fraud department told me I was the second person this week who was scammed by XXXX and they put a hold on the check I received a letter in the mail verifying this the phone call was also recorded and I also sent an email to XXXXXXXXXXXX as instructed by the Chase rep in the fraud department. On XXXX XXXX Chase released the funds into my account even though I warned them of the potentially fraud that this check posed. I then went to use my card on XXXX XXXX my card was declined I called Chase to ask what the issue was they told me my account was scheduled for closure but would n't tell me why. I then went into Chase to talk to a account specialist she proceeded to call Chase and they told her my account was restricted and under investigation for fraud as a result of the check that Chase put through that I told them I felt was fraudulent. My account was then scheduled for closure all my checks written ahead of that time were returned and debits as well causing me to incur fees with those parties as well as damage my reputation further, my scheduled deposits were frozen as well causing me to miss my mortgage payment as well. Chase then sent me a letter regarding the account closure and also threatened that they would report this have it put on my credit report and inform other banks so I ca n't open an account anywhere. I was a victim of fraud and alerted Chase to this they took it upon themselves to process this check into my account even after the fact how am I liable? Besides the threating letter the lack of communication at Chase bank is appalling, as there customer service and fraud department gave me a different excuse every time. I understand that the bank reserves the right as to how to handle accounts my only issue is that I do n't want this to affect my credit, reputation, or ability to open a bank account as I exercised integrity and was forthright in this whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
The use of XXXX affidavit by myself and Attorney XXXX XXXX in an effort to show the existence of a material fact issues for trial were essential to the judicial process itself and the standards for affiant-submitted evidence that XXXX violated must be examined in this case. Due to the magnitude and importance XXXX XXXX Expert Opinion could have to safeguard Texas home owners TODAY, it was imperative that XXXX XXXX 's sworn submission be sufficient in execution and substance to ensure the integrity of his statement. XXXX XXXX demonstrates he does not understand the legal significance of his statements and opinions and should be advised that this behavior brings question to his integrity, ethics, and his lack of professional standards contribute to additional erosion in confidence that Texas residents rely upon from the industry he represents. 
The affidavit submitted by XXXX XXXX demonstrates his indifference to the potential for punishment and adds additional questions of moral value for all appraisal professionals in the state of Texas. The affidavit that was submitted by XXXX XXXX was utilized to protect the integrity of the truth seeking process and to support the integrity of my claims before the courts. At the interest of all future Texas appraisers, the affidavit XXXX XXXX submitted should be utilized as an object lesson for other appraisers offering Expert Opinions in the state of Texas on what NOT to do when supplying a sworn affidavit to the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: DC

Complaint narrative:
My home was foreclosed in 2014. Nationstar mortgage company has continued to want payment on XXXX Mortgage though the XXXX mortgage no longer exists. I have written them 2 times, and emailed them as well to resolve the issue and offer a payoff amount. They finally sent a letter back that I received on XX/XX/XXXX stating that they are looking into my request for a negotiated payoff. In addition to the first issue of paying off the XXXX mortgage, I also have a company named XXXX and XXXX that is stating that they took over the portion of the foreclosed loan from the XXXX mortgage that was left over after the foreclosure sale took place ( approximately {$170000.00} ). I need Nationstar to verify that Nationstar mortgage has authorized XXXX XXXX XXXX to act as debt collector and that I owe a balance of $ over XXXX on the first mortgage that went into foreclosure at my home located in XXXX. The letter sent back to me from Nationstar made no mention of nor did it answer to my request to get verification of this other debt collectors authorization to collect this debt since from what I know, once a foreclosure has taken place, I am no longer responsible for the foreclosed loan. I have also called Nationstar numerous times about settling the second debt and getting clarification on what if any, amount I owe on the XXXX mortgage after foreclosure. Whenever I call, the customer rep attempts to get me to make a payment on the XXXX loan and tells me to call another department regarding my questions. It has been a nightmare trying to communicate with Nationstar since we had initially agreed to do a deed in lieu to avoid foreclosure and without direct notice to me, Nationstar decided to put the home in foreclosure when it would have been very easy for me to do a short sale if the deed in lieu process was no longer an option. I spoke to a housing agency that helps consumers try to avoid foreclosure and they mentioned that they have never heard of another company like XXXX XXXX XXXX take over as a debt collector on a home that has already gone into foreclosure and continue to attempt to collect on and claim that I owe a balance of {$170000.00} on the first mortgage that went into foreclosure at my home. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
We mediated with Select Portfolio Servicing , Inc. in XXXX XXXX to allow us an opportunity to sell the property through a short sale prior to foreclosing. On XXXX XXXX, XXXX we received an offer of {$50000.00} cash. SPS had a broker price opinion done and said the property was valued at {$64000.00}. We disagreed with this price and they suggested we go out and pay for a third party certified appraisal. We did and that appraisal came back at {$52000.00} on XXXX XXXX, XXXX. SPS then told us we needed to update the contract with the new price, get a new proof of funds and produce a new HUD statement. All of which we did. They denied the new offer stating it was still too low in mid XXXX. In XXXX, the Realtor got the same buyer to go up to {$57000.00}, {$5000.00} above an appraised value of {$52000.00}. SPS requested that we get an updated proof of funds and a new HUD statement, which we did. SPS sent out for another Broker price opinion. After we went through this appraisal process for the third time, SPS sent me a letter stating that two and a half weeks would not be enough time to consider this new offer. I contacted SPS multiple times asking them to postpone the sale for 30 days to give us time to complete the short sale and they have refused. I truly feel that SPS purposely strung us along making us think we had a chance at a short sale, making us jump through many hoops with no intention of allowing for a short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
After reviewing documents, I have discovered that A mortgage was given to my deceased father without my consent. I am also an owner of the property and since he is dead, no longer has any entitlement to said property ... nor does the mortgage company.

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: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
My mortgage company, ' Nationstar ' has not been applyingmy monthly payments! 
They changed the payment amount, but did not inform me! 
I have talked to at least XXXX people at Nationstar over the past 7+ weeks, Every time I talk to someone, the story & amount changes! 
I talked to a Rep on XX/XX/XXXX who said the amount was {$1300.00}, However Nationstar says that was the wrong amount!? 
They have put on my credit report that I am 60+ days Late! 
I have made ALL of my payments on Time & in FULL!! 
I have contacted an Attorney!! 
" NATIONSTAR MORTGAGE " is a CRIMINAL JOKE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
I started the process of a short sale on my home in XXXX 2015. I hired a reputable real estate agent and we got a contract. The lender is refusing the offer and insists on an unreasonable and unrealistic price for the house. When we asked for the basis of the figure they proposed for the sale they refused to answer. Now, they 've served me with a second set of foreclosure documents falsely indicating that they have never received an offer and the last time they contacted me was in XXXX 2015. My letter to them is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
New cell phone number was assigned to me over 1 year ago and then shortly thereafter, Harvest-Inc. Medical Debt Collectors have contacted me almost daily using phone numbers XXXX ; XXXX ; XXXX ; XXXX in attempt to collect an apparent debt from another person. When I called them over a year ago and told them this was an assumed phone number from a previous owner and they told me who the debt was for, I informed them that person no longer had this phone number and did not reside here. Despite telling them this and also complaining to Do NOT Call Federal and State agencies, they continue to offend almost on a DAILY basis. My cell phone number filed with the DO NOT CALL agencies and which Harvest-Inc continues to call is XXXX. I have also sent Harvest-Inc. a letter form developed by the XXXX XXXX XXXX titled : Request for Debt Collectors to Stop Contacting You that gives them formal notice in writing under the Fair Debt Collection Practices Act to cease contacting me-EVEN though they were informed OVER 1 YEAR AGO they are contacting the wrong individual and that I am registered on the DO NOT CALL list, yet they have offended by continuing to contact me almost daily for OVER 1 year despite telling them to cease all contact OVER 1 YEAR AGO.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Nation Star Mortgage bought my mortgage from XXXX XXXX XXXX several years ago. I have n't lived there for over XXXX years and it has been in various stages of the foreclosure process for years. Nation Star changed the locks on the doors, so I ca n't get in. 
On XXXX occasions last week, someone has left a hand written envelop with information from Nation Star on the front porch of my current house. They have hand written " Personal and Confidential '' and my name on the envelope, but there is no identifying information of who left it or how we can contact them. They are trespassing on private property to leave these envelopes. When we contacted Nation Star to find out about this practice, they refused to answer any questions or let us talk to a supervisor. My husband, who owns the property they are trespassing on, does not have an account with them, but they would not acknowledge having someone deliver these documents to his house. 
This is unprofessional and seems predatory to have hand delivered items left on a door step with no identifying information. That the company refuses to answer questions about their practices is also troubling. If they are authorizing this type of behavior, they should be able to acknowledge this is their practice to anyone who asks - especially someone who has had it happen to them. Also, to not allow us to speak to a supervisor, or someone other than the phone rep who has no authority, is horrible and leaves people feeling helpless. We will call the police and report the trespasser if they do it again, but they should not be treating people like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XXXX XXXX, 2016 Quicken Loans, NMLS # XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : XXXX 2016 payment Please note that we are requesting that you remove your late fees that were applied to our account effective XXXX XXXX, 2016. The attached check copies ( XXXX - XXXX 2016 ) notes the dates our checks have been mailed to your processing and accounts receivable department well within the given grace periods allowed. 

Your average timeline of 10-15 days to receive and process our checks to be presented to our financial institution is at minimum concerning, thus need to be investigated by the U.S. Federal Trade Commission. There are no other creditors we are in relationship with present this business practice concern. We prefer to use checks when paying our creditors and for the exception of Quicken Loans , Inc. this method has been successful. 

The U.S. Postal Service branch offices have assured us on more than one occasion that once we place our mail with U.S. first class postage stamps in their receptacles ; whether at my local branch or within my subdivision, it should reach it assigned address and zip code within less than 10-15 days. Why is your organization the exception? When receiving mail delivered by the U.S. Postal Service from Quicken Loans, Inc. dates noted on the documents have never shown the 10-15 day time span. No, online or auto-pay are not options we would like to put in place, there have been several instances of fraud through these methods and has not proven worthy to us. 

Please review the attachments as consideration for removing your fees and processing your check payments in a timely manner in order to honor your noted grave period. 

Best regards, Cc : U.S. Federal Trade Commission Bureau of Consumer Protection XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation