vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Yet another complaint against Nationstar for the fraudulent fake auctions, made up values, and belief that they are not required to adhere to XXXX and FDCPA guidelines. Honestly, when will the CFPB actually do something about this organization? 

Nationstar has run this property through their fake auction system ( in order to gain a 5 % buyer 's premium for their own personal benefit at the expense of their investor ) and surprise surprise .... No bidders. The counter offer then made to the original buyer was once again ridiculously over market value. When asked if they could explain the value -- - we were told that they do not release value information in direct violation of ECOA guidelines. When asked the last time that they had had someone inside the property to value it ... ... NO RESPONSE AT ALL. This is likely because they have not had anyone in the property and the limited pictures that they do have were given to them by us. Which raises the question .... Where did the value that they countered us at come from? They made it up and it has no basis in fact. While I know that Nationstar 's business model ( as outlined last XXXX in the XXXX ) is to defraud their investors, borrowers, and the federal government ( yes, we just caught Nationstar again defrauding the Treasury Department on a HAFA short sale and have an ongoing complaint on that file ) at some point the CFPB needs to stand up and say enough is enough. 

I would appreciate if Nationstar would actually complete an interior value on this property and counter the buyer appropriately ... .. I know that their goal is to attempt to get this buyer to leave so that they can attempt to run this through their fake auction again in hopes of getting a 5 % buyer 's premium ( once again at the expense of their investor ), but enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
My mortgage was financed by Nationstar. 
I contacted this company several times to give my attorney what he needed in order to close on this property. 
He called them asking for a DEED assignment, and he was told he would receive an email. He contacted them for Several days and still nothing. He finally contacted me again to see if Nationstar would just send it to me. I was told they had it on file but would need to contact the dept that had this document. I contacted them again, asking, begging, for this document so I could close on my house, and they had the nerve to give me another website to visit to obtain this Deed ... CAN YOU BELIEVE THIS! To this day, it has been several weeks, and I still do not have from Nationstar what I requested. This has been a nightmare. Selling your home, and paying off a mortgage should be a GREAT experience, but Nationstar made this so difficult for me! I will never do business with this company again! Please run, and not walk from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
We are XXXX citizens who own our own home and are trying to reduce our mortgage payments. We have never missed a payment, but our income has been drastically reduced and we BOTH have been diagnosed and treated for XXXX this year, causing major medical bills. We began filing a mortgage modification with our mortgage holder : Nationstar Mortgage on XXXX XXXX, 2015. Each time we provide the forms they request, they wait a week and ask for more information. Then we provide that information. Then they show they received the documents and when we check the status in few days -- hoping we have been approved- they show they need the same documents again. So we have sent them again. They keep asking for documents like IRS form XXXX, which we do n't file, so we send them the form we do file ( a XXXX on form XXXX ) with a letter of explanation and they ask for the XXXX form again. This is all on the website -- we can never actually speak to anyone when we have tried to call. Then someone will call us ( the caller is only a messenger who knows nothing except what he 's reading on the website ) telling us we need the forms, I explain we have sent the forms and they say send a letter of explanation and we do, then the status shows we still need it anyhow. We have uploaded all the forms and letters of explanation again and still no response. In fact, this morning it showed we only needed to send XXXX more thing ( again, the XXXX form ) so we sent another letter, with documentation from the IRS site showing we file the correct form, a XXXX on form XXXX, and now when we looked it shows we need ALL the forms we have already submitted ... twice. We are at our wits end and have no idea what to do. Can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I obtained a construction loan using XXXX XXXX and XXXX XXXX as my loan officers at US Bank. When I went to signing at XXXX title the initial loan amount was incorrect based on the fees and total contract price of the construction minus the funds I brought to closing. During the signing we called and spoke with XXXX about the discrepancy and he recognized it as well and said go ahead and sign and that he would look into it and get back to me. He did not get back to me. 
Since then I have contacted he and XXXX several times about this issue via phone and email. When I contacted XXXX via the phone he has said he would have XXXX look into it, which he did not do. After I emailed XXXX multiple times, she finally sent an email back saying that was based on 80 % LTV, although her numbers were incorrect, and never offered any explanation as to when or how that number would be adjusted to account for the discrepancy. I replied with what I believed to be more accurate calculations, which she ignored. 
I followed up by attempting to contact XXXX XXXX multiple times in order to get a reasonable explanation and find out what he had found out, since he said he would look into it, but he does not return my calls or answer is phone any longer. 
This whole lending process has been the worst I have experienced. The communication has been worse than sub-par and the lenders knowledge about their own product appears to be extremely lacking. I have had several mortgages from online banks and felt that since a construction loan may be more involved and I may need more explanation I should go with an established bank who has brick and mortar business as well in the hopes they would be more professional and knowledgeable. Unfortunately I was proven wrong by their lack of communication and apathy towards making sure things were done correctly. 
I still need to know how this initial loan amount affects my loan. During the conversation XXXX and I had on the phone during closing, he specified that the Builder, XXXX, would not be able to draw any more than our contract price. He did not, however, specify when or if the extra amount would go away. It may very well be that at the end of construction the amounts are added up and at that time will be correct, however they need to explain this and not assume customers who admittedly have never had a construction loan will figure that out on their own. It also seems unprofessional and suspicious that the number was not adjusted prior to closing even though they had all the information necessary to correct it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
NationStar is calling my work, they called XX/XX/2017 at XXXX. Now 1st of all they have my number XXXX, if Im working I cant answer it. Sad part is I have until XX/XX/XXXX to pay my payment and its sent out, but they call non-stop sometimes 5 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: PLANET HOME LENDING, LLC
State: VA

Complaint narrative:
My mortgage lender, Planet Home Lending, contacted me about refinancing my existing VA Home Loan. I decided to pursue a cash-out refinance with Planet Home Lending and during the closing ( XXXX XXXX, 2015 ), I was made aware that the money in my current escrow account ( $ XXXX+ ) would be used to pay my real estate taxes ( due XXXX 2015 ). During the closing, I noticed I was charged another {$4100.00} for escrow to pay the taxes ( due XX/XX/XXXX ). I called the loan officer ( XXXX XXXX ) and he informed me that it 's imperative to get the loan closed, and he would research the issue and get me my refund of the Escrow. To date, Planet Home Lending has paid me {$240.00} ( balance between taxes due which was {$3200.00} and the total amount in the escrow which was {$3400.00} ). However, they charged me the {$4100.00} to pay the taxes again and they have flat out refused to refund my escrow of {$3200.00}. To make matters worse, I am paying on a loan that includes the additional escrow amount that should be refunded to me. I really need help resolving this issue.

Company response to consumer: Closed
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: BB&T CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX has sued XXXX XXXX for purported damages to a leased vehicle that either do not exist or were inflated. Any condition of the car resulted from normal wear and tear for which XXXX XXXX was not liable. XXXX refuses to supply the only evidence that it claims it has/had to show damage -- but refuses to provide : actual pictures of the damage. It appears that XXXX is seeking to collect money not owed in a deceptive fashion. Scores of other consumers are making similar complaints as reflected in XXXX reviews : ( XXXX ) Simultaneously, XXXX reports delinquencies to XXXX XXXX XXXX credit reports that bear no reasonable connection to the purported debt. XXXX is reporting a balance of {$64.00} on XXXX XXXX 's credit history but has sued her for {$2300.00}. Aside from misrepresenting dollar amounts, XXXX is misrepresenting the identity of the creditor to XXXX XXXX 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I applied for a loan modification as a result of a loss of employment. The program offered by Nationstar was appreciated but I respectfully declined. The program offered did not make good financial sense considering how severely underwater my mortgage is. 

On multiple occasions, I submitted written/verbal requests to Nationstar Mortgage declining the deferred payment plan. Nationstar has failed to remove the Home Affordable Unemployment Program. Additionally, my most recent payment remitted to Nationstar Mortgage was n't applied correctly. 

I have attempted to contact representatives from Nationstar Mortgage on several occasions for a resolution to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
As of XX/XX/XXXX I have been seeking help from my bank .SELECT PORTFOLIO SERVICING, the process was back and forth with documents. During the process, every time I follow up over the phone, representative says that I am not qualified because I have done a modification before and could not do it again. After a year XX/XX/XXXX received a denial letter showing NPV. 
This year my husband got laid off and all we are seeking is for us to start anew from our behind payments. Started processing application on XX/XX/XXXX and same thing.. 
1 ) Documents processing is too long..Thought processing take only 30 to 45 days. but asking back and forth for documents2 ) sent all the application together with the attached documents, bank statements, pay stub, tax return and others. Calls to verify if threy received..said yes but everytime I call to verify or follow up once a week, a new documents needing again. Asked to process because im afraid theres an expiration to each documents categories. My account manager said " NO '' theres no expiration. Then talked to another representative, ,yes there is an expiration. I am still sending documents here and there. Theres a lot of things happen 8 months. Within 8 months they still asking for documents. Last one is the statement..they said that I have not circled my income within the statement. But I circled it previously, keep sending it until wait again for another expired document ... .then theyre going to ask to send again. 
please..all im seeking is an answer and help. These faxing back and forth is a time consuming and its expensive per document. Please help.. bank statement will expire in another month..and pay stub will expire in one week..and no answer yet. All I receive a call is when they ask for documents to resubmit or say it expire. I hope to hear from you soon..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: HI

Complaint narrative:
I filed a complaint with you about Nationstar, this year, requesting that they give me the loan modification that would allow me to keep my property and stop the foreclosure that was in the XXXX, Hawaii court system. They did " satisfy '' the complaint by responding with a " loan modification '', higher than the original mortgage amount, and a trial period of XXXX months, that, if satisfied, would stop the foreclosure. The original mortgage for the loan was {$1200.00} and the trial loan modification was set at {$1200.00}. Nationstar said that the amount owed was now too high for a lower mortgage. Now the permanent loan modification is {$2000.00}. 
With the trial loan modification the new mortgage was higher than the XXXX they modified. The interestrate was also not lowered, but made higher. After the successful trial period- from XXXX 2015 to XXXX 2015 -The permanent loan modification- offered in XXXX 2015 with an even higher mortgage amount- $ XXXX was adjusted from trial period to include an escrow account, an additional {$81.00}. In XXXX 2015 an additional escrow amount of over {$670.00} was added to the {$1300.00} to equal {$2000.00}, which they are asking for on XXXX XXXX, 2015. 
Now, with the " loan modification '', Nationstar has not been fair in making it unaffordable to keep the property. I believe that the foreclosure was not done legally and that Nationstar was not prompt in offering me a " loan modification '' which was in process for XXXX XXXX years as they denied me more than once and continued to ask for more documents in an untimely fashion, as the foreclosure proceeded and the delinquent amount increased. There is a strong possibility that what they have done is illegal. They have added the possibly " illegal foreclosure '' fees, accruing delinquent amount, and escrow to my loan and all with a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
It started with a login issue and my inability to reset my password on the Nationstar Mortgage website since I did n't know the answer to a security question I did not setup. After a few long phone calls, I finally got access to my account after getting my password reset. When I logged in I was seeing someone else 's information. When I called Nationstar Mortgage back, they did n't seem alarmed at all. I had them reset my password again to prevent anyone else from getting into it. The concern I have is after they updated their systems if I can see someone else 's information, and right now I can still see it, how many other instances of this is occurring. Using the information after I logged in I obtained the email address of the person who 's mortgage I was able to see. I emailed him to let him know Nationstar had mixed up our accounts and I was able to see his account. I even sent him his account number as proof. It turns out we have the same name and very similar login IDs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
NationStar 's loan officer and underwriter generated a malfeasance loan by encouraging an XXXX XXXX applicant to enter into a mortgage loan and requesting that the non-applicant spouse execute a waiver of rights which would allow the applicant to sign loan documents as a single borrower. NationStar indicated that the name of the non-applicant spouse would remain on the deed however, the mortgage obligation would be in the name of the single applicant. The mortgage loan documents were approved with the single borrower executing all required loan documents. The borrower maintained the mortgage loan in good standing until he deceased several years later. The remaining spouse continued to remit mortgage payments until NationStar stated that because the widow was a non-borrower on the loan, she had no rights to the account or the property. NationStar could not negotiate any refinance options nor communicate any loan information because the non-applicant spouse was not a borrower on the mortgage. The non-borrowing widow subsequently purchased another property with different lender and therefore stopped remitting payments on behalf of the deceased applicant. Subseequent to relinquenshing the property, NationStar filed legal actions against the widow who is a non-borrower and requested that the Illinois XXXX County Courts require new loan documents be executed by the widow and that she be financially obligated on the deceased spouses mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2015 Nation Star and XXXX XXXX Trustee are threatening to sell my homein XXXX XXXX Ca XXXX XXXX bought and owned by me for over 15 years ). 

This is very disturbing since this threat along with Nation Star and their Trustee are NOT following Federal and State Law, The California Home Owner Bill of rights and the settlement that was made by the California Attorney generaland Governor specifically : OFFICIAL NOTICE TO STOP ILLEGAL SALE by the trustee Offices of XXXX XXXX and NationStar1. Nationstar is breaking the law. 
2. Your office is a California Law Office and as such must advise your client and follow the California Laws. 
3. We have requested over 5 times to have a " single point of contact '' this has never happened and is still not happening!!! 
4. As you know under California law : " GUARANTEED SINGLE POINT OF CONTACT '' NATIONSTAR failed to do so. 
5. QWR and alleged Debt Validation : We have requested over 5 times. 
6. NATIONSTAR has failed to provide. 
7. Account Reconcilliation of the alleged debt : We have requested over 5 times. 
8. NATIONSTAR has failed to provide Reconcilliation accounting. 
9. Accounting and Re-instatement figures : we have requested over 5 times. 
10. NATIONSTAR has failed to provide Accounting Re-instatement. 
11. Loan Modification has been submitted as a consideration ( if Nationstar provided ample proof of the alleged loan ) 12. Severe violation of the " DUAL TRACKING '' law. 
13. Defective documentation and defects in alleged loan and alleged foreclosure. 
14. NATIONSTAR has failed to provide all requested items from the foreclosure procedure and guidelines as provided by the California Statutes and law. 
15. NATIONSTAR has failed to comply with the proper notification of at least 30 days " trustee sale '' by not mailing " certified '' nor " registered mail '' nor even " regular mail '' nor with an email nor with the " single point of contact '' as provided by California Law and Protection. 
Due to all of these reasons and more ( as we have other items that have been requested as part of the '' debt validation process '' ), it is hereby Demanded that the illegal " trustee sale '' come to a complete Hault and that at thevery least be placed on an immediate " HOLD '', " POSTPONEMENT '' while a FULL INVESTIGATION takes place. 

Thank you,

Company response to consumer: Closed with explanation