vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
Nationstar MortgageMonday, XXXX XXXX, XX/XX/2015nationstar IS NOT APPLYING MY PRINCIPAL PAYMENTS TO PRINCIPAL THEY ARE APPLYING IT TO FEES. i paid an additional {$20.00} to the principal and as you can see from the records below but when i login to my nationstar mortgage account they have the {$20.00} applied to FEES. they do n't say what kind of FEES it just says {$20.00} fees principal paid {$0.00}. 

why did XXXX allow me to get stuck having nationstar mortgage get my home loan from XXXX home loans??? 

Thank you for making a payment at MyNationstar.com! 

Below are your payment details : From Account : XXXX Bank and XXXX XXXX Account : Loan Number XXXXPayment Date : Monday XXXX XXXX, XX/XX/2015Payment Amount : $ XXXX Fee : $ 0.00Additional Escrow : $ 0.00Additional Principal : $ XXXX Amount : $ XXXX Payment : $ XXXX confirmation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
This is the request that i sent to the bank to make the credit correction to my credit report we did a short sale and they are reporting it was a foreclosure I have all docmuntation if you need itXX/XX/XXXX XXXX, XXXX Customer Service, XXXXAttention : Research DepartmentXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Loan Number : XXXXProperty Address : XXXX XXXX XXXX, CA XXXXBorrowers : XXXX XXXX XXXX, Social Security Number XXXX XXXX XXXX XXXX Social Security Number ***********Dear Madam or Sir, I am writing as the above referenced property closed through a short sale on XXXX XXXX, XXXX have provided a copy of the final HUD for your records. I need to have our credit report updated as quickly as possible, please to reflect that our home was not a foreclosure. Our credit report should reflect that our loan was indeed paid in full for less than the full balance, through a short sale and the date of XX/XX/XXXX 
We are in the process of purchasing a home now and are unable to move forward until this information has been updated. Time is of the essence as we have a non-refundable deposit of {$30000.00} on our new home. 
If there 's anything further you need from us, can you please contact XXXX at XXXX? And are you able to provide me of a fax of your determination?? Our fax number is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XX/XX/2016 I contacted by phone Select Portfolio Servicing ( SPS ), my alleged loan service provider, to inquire about the process of applying for a modification of my loan under the Federal HAMP program. I chose to start the program and sent some original documents to SPS. Under this program, and the California Homeowners Bill of Rights ( CA HOBR ), I am protected from the loan servicer or loan trustee ( allegedly XXXX XXXX XXXX ) from initiating any activities scheduling a foreclosure sale or trustee sale while I am applied for inclusion in the HAMP. The servicer ( and/or trustee ) is prohibited from initiating or continuing any foreclosure actions while a HAMP application is being considered. This prohibited action is referred to as " dual tracking '' and is prohibited by one of the main statutes of the CA HBOR and HAMP. After receiving correspondence on XXXX/XXXX/16 from SPS specifically saying that they will NOT be scheduling a foreclosure sale once I was participating in the Modification Loan process, I was shocked to discover that XXXX had filed a " Notice of Trustee Sale '' on XXXX XXXX, 2016 with the XXXX County Recorder, a direct contradiction to what the CA HBOR and HAMP require, plus their own statements in their letter to me dated XXXX XXXX, 2016. In the letters they called out that I would have until XXXX XXXX, 2016 to complete all of the documentation required for the HAMP application. 
On a second note, SPS also sent correspondence stating that XXXX XXXX, with the title of Relationship Manager, would be my " single point of contact '' during the HAMP application process, as required by CA HBOR. I have been mostly unable to contact XXXX XXXX, and have been directed to other individuals at SPS, who without fail have provided misleading and/or contradictory information. This is in direction violation of the CA HBOR 'single point of contact requirement '. 
See attached documents that provide a view of how SPS and Quality Loan Services have violated CA State and Federal mandates. Below is a copy of the body of an e-mail that I sent out to XXXX XXXX. As of XXXX/XXXX/2016, the " Notice of Trustee Sale '' is still listed by the XXXX County Recorders. 
I have attached an email and other documents that I sent to XXXX XXXX on XXXX/XXXX/16 that display the points I am asking the CFPB to investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing at XXXX Account Number XXXX On XX/XX/XXXX, I signed papers to turn a house, XXXX XXXX XXXX, XXXX, Md, XXXX to this lender under their deed in lieu of foreclosure program. I signed the deed in front of a notary with an attorney reviewing the papers. They wanted the house available as of XX/XX/XXXX. The property manager, XXXX XXXX, XXXX had everything ready for them and no-one showed. They have since missed several appointments and treated the property manager very unprofessionally. 
But the house is sitting empty all this time and things are happening. The company gave me tax forms stating that the house was transferred in XX/XX/XXXX and I filed those forms with the state of Maryland and the Federal government with my tax return under the advice of a CPA. But the company still has not taken the keys from the property manager and expects me to keep up the vacant house. It has been over six years for this servicer to make up its mind about the house. Even filling out and signing the deed has not gotten rid of this house even though I had it broom clean on the day they asked me. 

Back when I was going through the loan modification process, they told you I did not file the papers, but that assertion was incorrect. They continued processing the modification after they told you I had not completed the process correctly and later turned down the loan modificiation. Now they wanted to take the house but expect me to keep it up after I signed the deed over to them and filed my tax return with their information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MS

Complaint narrative:
NATIONSTAR OWES ME {$8000.00}, THEY OWE ME FOR LATE FEES, ATTY FEES, INSPECTION FEES, {$500.00} X 4 MONTHS = {$2000.00}. I HAVE PAID 8 MONTHS AHEAD OF MY MORTGAGE DUE TO FALSE BILLING. I WAS NEVER BEHIND ON MY MORTGAGE WITH XXXX, XXXX, NOR NATIONSTAR. 
NATIONSTAR threatened to foreclose on my home in XXXX 2015. XXXX, I paid more than {$17000.00} XXXX thru XXXX 2015, my monthly payment is {$1000.00}. They took false information from bank of am, whom I paid more than {$27000.00} in the past 4 years, never behind and payments went to their bank of am ch XXXX department FOR XXXX XXXX XXXX. MISAPPLIED FUNDS, FALSE BILLING STATEMTNS, HARRASSMENT, THREATEN FORECLOSURE NOTICES IN XXXX 2015 THROUGH XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I made a payment 3 payments on XX/XX/2017 and my account was not negative that day. On XX/XX/2017 I made a payment that made my account negative. According to BBT system the three payments posted on XX/XX/XXXX and that left a balance of XXXX. The next payment posted on XX/XX/XXXX for XXXX. BBT charged overdraft fees on XX/XX/XXXX before the account went negative and before the payment that did send the account negative posted.

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 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Hello, This Complaint is in reference to NationStar Mortgage in Texas and Aurora Loans { bought by NationStar }. 
I am stuck in a Financial Situation where I can not move forward with obtaining any type of Mortgage because by Debt Ratio is 97 % against a Property I no longer own or Reside in, but my X-Wfie still resides in. Because of a Court Ordered Decision Involving a Divorce Settlement in XXXX, I was forced to sign a Pro-Quit Claim Deed assigning ownership to my X-Wife. I insisted that since we could not refinance the property { XXXX prior attempts }, that my name would not be removed from the Mortgage at that time Aurora Mortgage. My X-wife mentioned to the Judge that a Loan Modification could be performed so she could make affordable payments to stay in the Home. The only Issue I had with that is even if the mortgage was modified to a lower payment, my name would not be removed from the Mortgage. 
Well, the Divorce proceeded, and after months of paying my x-Wife additional court order spousal support to maintain payments on the home until the payments were modified ( 10 months later ... ). But when i went to check a few months after it was modified, my name was still on the Mortgage. I called Aurora, and they said the mortgage was bought by NationStar. Then NationStar sent me a letter after I inquired about it, that they could not remove my name from the Mortgage unless i refinanced the Loan. I explained to them I no longer have ownership of the Home, due to the quit-claim-deed. This time frame was XXXX. 
After a few years of hoping my x-Wife would be reasonable and refinance the home under her own name, there still exists the same result as back in XXXX. She is either unwilling or unable to refinance the home, her payments are affordable but my name is still on the Mortgage. 
I have struggled financially since XXXX, unable to buy a decent Car, and unable to get approved for any type of Mortgage because my debt ratio is 97 %. The difference now is that in XXXX I got married and have a larger family. 
I believe this is Legally and Morally unfair to me and my new Family as I can not provide for them any type of Home, due to a mortgage that is sitting on my Credit Reports at 97 %, and again a property I do not own according to the County Reporters office, but only on NationStar Mortgage 's books. I have made multiple attemps this year with NationStar Mortgage, with Phone Calls and Emails, but unable to speak to a True Manager there. 
This situation is Fincially hopeless, unless my name is Removed from NationStar 's mortgage. I can then move on with my Life Financially for my new Family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I refinanced my mortgage with XXXX approximately XX/XX/XXXX, account # XXXX. There has always been a 15 day grace period with no extra charges incurred if paid within that time frame with this and every mortgage I 've ever had ( since XX/XX/XXXX ) including XXXX. On XX/XX/XXXX XXXX passed the servicing of this loan to Nationstar, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX account # XXXX. To date, they 've failed to pay my Property Tax on time, and now they 've informed me they will now be charging me a {$9.00} " Processing fee '' if I fail to pay by the XXXX of the month. I spoke with " XXXX '' from the account escalation team. She was adamant that this was not a " Late '' fee, but rather a " Processing fee ''? Curious. If that was so, this fee would always be charged regardless of the date so long as it was in the 15 day grace period, no? XXXX explained that most mortgage Servicers are banks, but Nationstar is not and thus uses XXXX XXXX for mortgage payments, thus they charge this 'fee '. This company, through it 's business model, is disguising this fee as a " Processing fee '' when the reality is it is a 'Penalty Fee ' or 'pre-late fee ' for not getting it to them a week earlier than the XXXX. This changes the conditions of my loan by accelerating the late payment date from the XXXX to the XXXX of the month. I do not agree with this action and it was clearly NOT part of the Loan agreement I entered into with XXXX. If this company wants to participate in the servicing of mortgages it must play by the same rules as everyone else or I should be able to op-out of XXXX 's transferring the servicing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
On XXXX XXXX, XXXX my husband had a XXXX which left him with a XXXX. He has been deemed XXXX by the U.S. Social Security XXXX Office. Three days after his XXXX, while he was still in the hospital I contacted the mortgage company to explain the circumstances. As my husband is self employed and we had no savings I knew we would be unable to make our mortgage payment. I have been working with the mortgage company for the past 16 months to keep our home from foreclosure and have worked with several agencies. ( I have documented over XXXX steps I have taken regarding this matter ) On XXXX XXXX, XXXX XXXX XXXX XXXX submitted a a request for forbearance on our behalf. It was denied due to lack of income verification and XXXX said we would now need to work directly with the mortgage company. I submitted the income verification by the XXXX deadline and never heard back from the mortgage company until we received a preforclosure notice dated XXXX/XXXX/XXXX. ( During that time my father-in-law passed away and my husband had emergency carotid XXXX XXXX. ) In speaking with my husband he was able to say " email '' and it turns out he had been getting email statements for the mortgage company the entire time and I was n't aware of it, he had n't thought to tell me because of his XXXX. I immediately took the last statement and paid over {$6000.00} which the mortgage company refused. I then contacted the MN Attorney General 's Office. Under their recommendation we applied for a Home Affordable Modification in XXXX XXXX. After making three monthly trial period payments we were given the terms of the modification in XXXX which included {$9000.00} in past due and interest fees, changed the mortgage from a 20 year to 40 year mortgage, increased our interest rate by .25 %, increased our mortgage payment by {$7.00} per month, and shows no indication of the three " trial period payments '' we made totaling {$2300.00}. I feel very strongly that the terms of this refinancing are unjust and unfair and in no way " helps '' our family. Although we are still able to live in our home we will now owe well more than the market value ( {$90000.00} ). This issue has been negligently and grossly mishandled by the mortgage company, has been discriminatory with regards to my husbands XXXX and has caused us an incredible amount of stress and hardship during a time when I should be concentrating on the health and healing of my husband ( he averages XXXX-XXXX XXXX per week ) and the raising of our XXXX XXXX year old XXXX daughters. I would like to file suit in federal district court to cover actual and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I started a loan modification with XXXX XXXX in 2011 which was supposed to combine a XXXX & XXXX. I was making payment under a trial period until they qualified me for the modification. XXXX months into the process they sold the loan to XXXX after 9 month of making payments which never reduced my principle balance and also they reported me late during the time I was making the agreed payments. SLS service called me and said they were starting foreclosure because I had n't made a payment in 9 months. I hired an attorney and all they agreed to do was start another modification. I agreed because I was afraid of losing my home.I was told I 'd only have XXXX mortgage so I assumed when XXXX sold the serving it included both the XXXX and XXXX because they were differing XXXX of the {$26000.00} I owed on the XXXX. Now the loan has been transferred once again to SPS and they are stating the deferred amount is {$24000.00} which is {$10000.00} more than I agreed to in the signed loan modification agreement with XXXX. My rate is 7 % so I 'm trying to refinance my loan with a lender I know. I 've been told I have XXXX liens against my property and XXXX of them was a XXXX from XXXX. I requested my note from SPS over 45 days ago and they still have n't provided it. XXXX reported to the credit bureaus ' that the original XXXX was paid and closed that is why I thought it was transfer to SLS and was the deferred portion of my current payoff. How can they do this? Say it 's paid and closed and refuse to provide me with a lien release. They are holding me hostage so I 'm not able to refinance to a lower rate. My complaint involves XXXX companies XXXX ( original lender ), XXXX ( XXXX servicer of my loan and loan modification provider ), SPS ( current servicer of my note which they have refused to provide in a timely manner and have added XXXX to the deferred portion of my payoff, which was not supposed to collect interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I have a list of XXXX companies that are reporting the same debt on my credit report and its affecting my score. the companies are XXXX XXXX XXXX, XXXX XXXX XXXX and Harvest Associates INC. they all say I owe XXXX XXXX Hospital

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FundLoans Capital
State: CA

Complaint narrative:
Drop Mortgage has failed to provide a payment location and amount for a recent loan. This is on top of a disastrous loan process, coupled with shifting data and what can only be described as fraudulent practices at best. 

Their organization is among the most incompetent I have ever had the misfortune of working with. The front end loan folks do n't know what they need for underwriting compliance - even when you use a broker. Across the board everyone I spoke with claimed to be XXXX XXXX compliant. I pressed them for answers about what parts of XXXX they are compliant with, what did they do that was XXXX. They spew these terms without knowing any of the underlying requirements, deadlines, or documentation standards. 

When pressed they make up random answers about delays, new random pieces of paper they mysteriously need after the deadlines, and pick an accuse of the day. That is if you can get them to commit to a date to begin with, XXXX yeah right they sent me a " post consummation CD '' with a note stating " you do n't need to sign this we just wanted to let you know now that you have signed that everything changed BY more than {$30000.00}. I seriously had them tell me my docs would be ready in the morning for over 20 days, they even demanded me to cancel using XXXX because they were done ... only to not be done. 

Even after several layers of management, I was unable to find anyone that could give me a straight answer. In 20 plus years of buying / selling property I have never come across a more inept lending organization. 

Please for your own sake and that of your potential property do not use these clowns.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
Deposited XXXX $ into an ATM, it spit back XXXX $ the machine then ended the transaction with no credit to my account. Contacted bank ( BBT ) they started a review and then credited my account XXXX $ shorting me XXXX $

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
While reviewing my personal checking account through BB & T I noticed an electronic check processing to XXXX ( XXXX XXXX ) and in the from section it had an unknown individual ( s ) from XXXX, VA and the account number on the electronic check was not mine. I have accounts payable to XXXX but they are not in this amount so I called BB & T and XXXX in the corporate office began looking into the matter. While I was on hold for several minutes I called my wife who is a joint owner of the account to bring her up to speed. After approx XXXX min. the BB & T associate came back on the phone and stated that he had begun an investigation into the matter. That the funds would be returned to my account by the next business day and the bank would cover any overdraft items. He inquired if I had any outstanding payments that would be affected by this debit and my response was not to my knowledge however I have taken the time out of my day to audit my account find your employers huge error, missed time at work, my wife 's missed time at work and the matter of distress that this has caused me and my wife to think that a banking institution can have an unk glitch in their system that indiscriminately takes money from one customer and pays the federal debt of another is a major problem and all my bank offers me is an apology???? But if I make an error you bang my account for an XXXX overdraft fee!!!! Unbelievable

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: General Information Services, Inc
State: AK

Complaint narrative:
Some of the Information Contained in my Consumer Report in inaccurate or incorrect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation