vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV

Complaint narrative:
I bought my home back in 2000 the mortgage company I had sold out to XXXX other companies Now a company called Select Portfolio Servicing which they say the are a debt collector. I have issues from the start with them. They can not tell me whom has my mortgage. They recently put an ad in the paper to auction my home. Thank god I got hold of the Attorney General and they got hold of XXXX XXXX XXXX the attorneys who are handling it. Which they will not give me any information. Even when I was making payments I was getting harassing calls and letters saying I was behind. When I call them they are rude and they are always losing the paperwork for a modification. I am at my wits end with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have been going through foreclosure hearings this year, and it was decided XX/XX/XXXX that the sale date would be XX/XX/XXXX. I was offered a short sale on the property XX/XX/XXXX, and SPS day on their hands, and did nothing up until a few days before the sake date, then it was extended until XX/XX/XXXX, however SPS decided to deny the short sale because of the original sale date. Thus company does n't care what they do to consumers. 4 months of sit ting on a short sale offer, only to deny it because of their own laziness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a 5 year ARM home loan, the loan matured to my knowledge XXXX XXXX, my rate and payment are suppose to remain the same for the remainder of my loan. I was told I had a five year increase beginning XXXX XXXX and finishing XXXX XXXX. My payment as been the same since XX/XX/XXXX, now for no reason they are trying to change, increase, the payment, this is very unclear to me because I was told that this would not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Nationstar has agreed to approve a borrower 's file for a short sale ( see attached docs ). I 've complied with all the terms and conditions of the initial approval docs sent to the borrower and received written instructions that the process will take 2-3 weeks once docs were submitted. I have experienced the reassignment of this file 4 times in the last 30 days that has caused unbearable delays. The last POC on XXXX required that I upload docs which I did promptly and received information that the approval should be within 2-3 weeks. After several attempts via phone and emails via equator to obtain an update, the file was sent to the Auction Dept after Equator showed the file owner changed again to XXXX XXXX? XXXX. I was informed by XXXX that because the first buyer " walked '' the file went to Auction. Actually the first buyer did NOT walk! It was determined by Nationstar that his offer was too low and would not meet the net required.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
On or about XXXX XXXX, 2016 a Complaint was filed against BB & T with Case # XXXX. 
As of today my requests were either delayed, denied and or flat our ignored. There is still a total of XXXX deposits that are " MISSING '' from the account in question. The Deposits total an amount of {$2100.00} and was given to the bank or about XXXX XXXX. As of today the money is still not available and not showing in account, even though Banking Institution have the funds. This banks continues to inflate and or " COOK '' the books. Where is the stolen and or Lost funds?

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 2016-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NE

Complaint narrative:
Due to hospitalizations and loss of income due to time off our mortgage payments fell behind. We never received a demand letter. I called on XX/XX/XXXX to find out about our options since they would not take a partial payment. I was told I would need to pay {$3100.00} in full and no partial payment would be accepted. I was advised to apply for the Mortgage modification assistance and Nationstar representative would email me the forms. I was also informed that if I applied for this it would put the foreclosure on hold until a decision was made. I did not receive the forms, my husband XXXX called back in later on XX/XX/2016 and requested them again. We did not receive them so I called back in on XX/XX/2016 again was told they would email them to me and I never received them. I went out to the website and found the forms and sent them on XX/XX/2016, however, it was not all of the forms needed since I was just guessing since the representatives never sent them. I called Nationstar again on XX/XX/2016 because I received a letter from an attorney about the foreclosure. I was assured that nothing had been done with it yet since we did n't have a foreclosure date yet. I also verified the forms needed and the minimum payment they would accept as {$3100.00}. I resent all forms and documentation again on XX/XX/2016. XXXX called to try and make the payment of {$3100.00} on XX/XX/2016 as well and was told that now the minimum would be close to {$5500.00} due to additional payment and fees including {$850.00} of legal fees. XXXX called the attorney and they said they have not billed Nationstar for any charges yet since they have not done anything with the paperwork yet. I called Nationstar back and explained that in all XXXX of my phone calls I very clearly asked repeatedly to verify the minimum payment of {$3100.00} and to verify that once these forms were submitted for the modification the foreclosure processes would be put on hold. The supervisor I spoke to said there was nothing they could do and it will take XXXX days to listen to the phone calls, but it does n't change the fact that the new minimum payment as of XX/XX/2016 is {$5500.00}. I am frustrated that we have made several attempts to make payment and they refused and did not inform us that the amount was almost {$2200.00} more than what we were told on several occasions. They will not accept my payment and more legal fees could be added daily. The representative I spoke to on XX/XX/XXXX also refused to give me any information on filing a complaint due to unfair banking practices. I am hoping this is the correct agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I received collection calls from Nationstar Mortgage on XXXX XXXX, 2016 at XXXX and XXXX and again on XXXX XXXX, 2016 at XXXX. The first two calls I did not answer because I thought it was a telemarketer. The final call I answered and was advised that my mortgage was 3 months delinquent. My mortgage is current, and has remained current for the entire duration of its term. After checking their records, they said the calls to me were in error and the account is current. They claim the calls were initiated in error due to my recent recast request. The Nationstar website ( screenshot attached ) also shows a delinquency. The rep I spoke with claims my payments were placed in some sort of " holding account '' due to my recast request. I requested the recast because of {$10000.00} in HAMP funds which have been paid towards my principle in the past 5 years. According to HAMP guidelines, I may be eligible for recast to reduce the payments due to these principle payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Atlantic Recovery Solutions LLC
State: NY

Complaint narrative:
XXXX XXXX from Atlantic Recovery Solutions has repeatedly contacted numerous members of my family. XXXX XXXX has left threatening and intimidating messages with not only myself, but with multiple members of my family on more than one occasion. XXXX XXXX has not disclosed the purpose of his call and only asserts that he is calling regarding a very " time sensitive business matter. '' I have never received written verification from this company regarding any debts that they claim I owe to them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I have a business account with BB & T. There was an unexpected transaction which overdrafted the account. The problem I 'm having, is this has been two weeks ago, and now everyday they are charging me {$100.00} in bogus returned item fees. The fees have now accumulated over {$1000.00}. There have been no debits, only credits, and I still can not keep them from charging additional fees that are overdrafting the account. I get charged overdraft fees even when the account is positive. This practice is unethical, and it 's hurting my business. They have taken an entire weeks worth of revenue, and it 's still going. They refuse to freeze or suspend the account, nor will they allow me to close it. I 'm stuck paying {$100.00} for unexplainable fees. If you see the account, you wo n't believe it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
Had my first mortgage with Nationstar XXXX. I refinanced my home second and first into XXXX new loan with a new company. Nationstar would not send me my refund of my escrow payments. I contacted them 9 times, each time I was told the " checks been sent '' and " we can reassure you the check has been mailed. '' They escalated my refund up to a supervisor three times and I still had to call regarding my refund check. Today was call # XXXX and again was " reassured the check has been sent via overnight by XXXX ''. Absolutely ridiculous company to work with and completely inefficient customer service and supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc.
State: PA

Complaint narrative:
I previously made a complaint to the CFPB that was resolved in my favor. AR Resources, Inc. responded that " Please be advised that AR Resources , Inc. has closed the consumer 's account and requested that it be deleted from the credit report. '' While they did delete it from my XXXX and XXXX reports on or around XX/XX/2016, they never deleted it from my XXXX credit report. They, they reported it again to XXXX on or around XX/XX/2016. They are also reporting it as open, even though they promised the CFPB and me to close the account and remove it from my credit reports. Please have AR Resources , Inc. follow through with their promise to the CFPB and me to close the account and remove it permanently from all 3 major credit reporting bureaus and any other credit reports or other parties they reported it to.

Company response to consumer: Closed
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: DE

Complaint narrative:
Nationstar Mortgage LLC Is my LENDER and SERVICER, I have an existing complaint filed with your office relating to XXXX QWR letters I sent in XXXX 2016 and XXXX 2016 that was answered incomplete and when I filed a complainton your site you granted thier requested for another 60 days which would be 4 months worth of time all together to answer the start of the QWR letter dated, this XXXX XXXX th, which is well over the required 30 days to answer, I do n't think they should of been granted a total of 4 months, I sent the XXXX QWR letters by certified mail return receipt requested and received the returns by the post-office signed. 
NOW I AM FILING ANOTHER NEW COMPLAINT! 
I requested that Nationstar allow me to submit for a loan modification, XX/XX/2016 they sent the loan application by way of e-mail to go to the line site and download the documents with instructions, I did and completed the forms, signed the data and sent all the required documents by our state library fax machine, i received an e-mail from Nationstar the documents were received and completed on XXXX XXXX, and would review for approval. 
I called few times for the status, a rep would say something is missing and it was n't, and later I would call and another would say all is complete and nothing missing, this happened a few times, than out of the blue I went to check my mail and found a notice of sheriff sale date notice for XXXX XXXX, 2016, I m XXXX years, and my husband is bedridden, this notice shocked us and panicked.us, I called our state attorney 's office and faxed the proof that we made application and proof the documents were complete, and the sale is stayed-attorney as shown on the sheriff 's site. THIS IS DUAL TRACKING AND WE WANT YOUR OFFICE TO INVESTIGATE THIS MATTER., PLEASE! 
I am attaching the verification with this complaint,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hi, I obtained an FHA loan with NationStar Mortgage XX/XX/XXXX. My house value has increased dramatically and I have contacted the NationStar many times in regards to removal of my mortgage insurance. They have declined. The most recent request was XX/XX/XXXX and they declined again. I am hoping the CFPB can help me to resolve this issue as since I have this loan, I have never once being late for my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Entered into a short sale 1 month before the seller declared bankruptcy. A {$170000.00} judgement from default of a business loan. A third lien holder was assigned to the home. After the dust settled and with consent of the sellers we provided a HUD-1 to the bankruptcy trustee to move forward with the sale of the house. The cost of the house {$800000.00}. The HUD-1 represented the payoff to XXXX and XXXX mortgage holders and {$25000.00}. for removal of the lien from the judgment. This appeared to allow the short sale to move forward. Because of the HUD-1 showed funds that would be available for her creditors. The trustee petition the court to hire an attorney, then used our HUD-1 to file an adversary case ( XXXX ) to remove the judgment. After nine months we expected a revised HUD-1 with the trustee as the third party to develop and move forward with the short sale. To everybody 's surprise Nationstar the senior lien holder changed the price of the house and increased it by {$90000.00} which was way out of align with the value of the other homes. Nationstar has around {$750000.00} payoff. You could ask yourself why does n't Nationstar sell the house and just take what 's owed. Four months, after trying to negotiate a sale, we were told that Nationstar is like a bank. Unlike a real bank that requires to have percentage of cash in its reserves Nationstar uses the asset as the reserve. If the house was bought buy the previous seller at {$1000000.00}. the bank looks at its book value and compare is liability. They are {$250000.00} into the money. Immediately this property became a valuable asset to their portfolio. Nationstar uses advances through securitization of servicing agreements. Unlike XXXX and other banks Nationstar business is building a portfolio of performing assets. Nationstar had acquired a lot of properties in the last 2 years. The regulatory agencies have n't caught up. As far as this short sale is concerned Nationstar over stepped by misrepresenting to the Bankruptcy court. What 's in it for me. I am half of the HUD-1 the buyer. Half of that government document is me and Nationstar used it to remove a judgment for their own financial gain. I just wanted to buy the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: E. A. Uffman & Associates, Inc
State: LA

Complaint narrative:
Received threatening letter stating that the collection agency would consider going after my tangible assets for an old medical bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have held a mortgage with Nationstar since XXXX 2013. Since that time, I have received revision to my monthly payments based on changes in taxes, the value of the property, and the balance of my escrow account. Last week, I received a notice from Nationstar that they were again revising our monthly payments based on a dis-balance in our Escrow account. This is all well and good, but the disconcerting fact was that they were raising my monthly mortgage payments by {$600.00}. Even worse was the fact that I was receiving less than 30 days notice as the new payments would be in effect starting XXXX XXXX. Upon further investigation, I discovered that the majority of the increase was due to a dis-balance in the Escrow account. Apparently, Nationstar had anticipated county tax for the to be around {$500.00} but the actual amount was around {$2000.00}. How could they not have accounted for such a huge discrepancy? Either their analysts are highly incompetent or ( which is more likely the case ) they intentionally lowballed Escrow payments the first year so that we would sign with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
This is a second complaint in reference to the same issue. The original complaint number is XXXX. My complaint is with regard to my FHA XXXX Mortgage which is serviced by Nationstar Mortgage. In XX/XX/XXXX I received an unsolicited call from Nationstar to offer me refinancing options. In the course of my conversation with their representative, they determined I may no longer need to be paying mortgage insurance, and a request was submitted on my behalf to have it terminated. The request was successful and I am no longer paying the insurance. However, it is clear that I was needlessly paying the insurance for a period of at least XXXX months prior to its termination without my knowledge. The response to my initial complaint only correctly restated the date of when my insurance was terminated, but failed to address my concern about the previous months of unnecessary insurance payments. 

Since receiving their response I have had more conversations directly with Nationstar and also more accurately pin-pointed that time at which I was eligible to terminate mortgage insurance. My understanding ( which was not disputed by Nationstar ) is that given that my loan has been open and in good standing for at least XXXX years, I would be eligible to terminate insurance when I reached a XXXX % loan to value ratio. 

I have obtained statements now which show I reached that value in XX/XX/XXXX. My insurance was finally terminated in XX/XX/XXXX, but only after I serendipitously recieved an unsolicited phone call which led to the discovery that I was eligible. After more conversations with Nationstar, they acknowledged that all of this is true, but that the onus is on the lendee to request termination prior to the date it was originally anticipated. As I make significant extra payments to my principal, I am well ahead of the payment schedule which was projected at the time my loan was originated. 

If it is true that the onus is on me to know when I no longer need to be paying mortgage insurance, then this is an issue which desperately needs to be addressed in the law. It is completely unreasonable to expect consumers to remember years if not decades after a loan was originated, the exact terms and conditions of mortgage insurance, and be montitoring their loan to value ratio on a monthly basis. If I had not received that unsolicited phone call, I would undoubtedly be paying mortgage insurance unneccarily for years to come. 

My home value at the time of purchase was {$160000.00}. So by my math I should have been eligible to terminate mortgage insurance once my balance was below {$130000.00}. The balance on my state from XX/XX/XXXX was {$130000.00}, and in XX/XX/XXXX it was {$120000.00}. I will attach those statements as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Borrower is in review for loan modification but NationStar refuses to postpone foreclosure sale to complete review in violation of 12 CFR 1024.41 ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I made contact with Quicken Loans regarding a potential mortgage ... ..they provide no way to unsubscribe from their email distribution list. Also, even when you are emphatic that you do not want any of their services, they will not stop calling you on the phone. 
I would never recommend this company to anyone, they are a nuisance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation