vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
To Whom it may concern, I 'm the owner of the property located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. My attorney is working on the title and we have found that there 's a problem, specifically there is a wrongfully recorded deed by your Selene Finance LP. Due to this wrongfully recorded deed, I can re-finance my property until they correct this issue! 
I 'm refinancing this property to be able to fix it on time, due to structural violations with XXXX of XXXX. For this reason, this property needs to be fix right away, before XXXX of XXXX orders the demolition of this building!!! 
On an email from XXXX XXXX XXXX from XXXX ( Former Selene Finance LP ) and the company who actually did the recording, the solution at my problem will be for Selene Finance LP to recorded a deed from them back to us!! 
I have this email and I 'm attaching this email to this complaint. 

I have called several times to XXXX XXXX XXXX ( the Grantor on the deed ) to phone number listed on public records, XXXX but this phone number is always busy. I have also tried to send them a fax, but your fax number is always busy! 
I was able to sent them a fax ( Fax confirmation is attached ) and several email without response as of yet ... 
I also mail them all a certified letter via USPS ( receipt attached ) I also contacted XXXX XXXX XXXX XXXX, Senior Closer & Team Lead, and XXXX XXXX XXXX, XXXX Lead, both employees from `` XXXX '' this company was previously named : Selene Finance LP and they are showing as the one who requested this instrument to be recorded. SELENE FINANCE LP is named on the top portion of the wrong deed with their address as the " Return '' to company. 
Please take whatever necessary action to resolve this problem immediately, so I can continue with the fixing of this property!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My original mortgage was with XXXX. In XXXX 2016, I was informed that my mortgage would be serviced by Nationstar Mortgage as of XXXX/XXXX/2016. I received an escrow shortgage statement from XXXX in XXXX stating what I owed for the escrow account. If I paid the {$530.00} in full, my mortgage would only increase to {$1600.00}. I paid the shortage in full. In XXXX I get a mortgage statement from Nationstar stating my new mortgage will be XXXX starting XXXX XXXX. I called XXXX and they confirmed the receipt of the escrow payment and confirmed my monthly payment is indeed {$1600.00}. I was also told I would get a new statement from Nationstar ( which I never rec 'd ) showing {$1600.00}. I made my XXXX XXXX payment for {$1700.00}. Today ( XXXX XXXX ) I get another statement from Nationstar telling me my monthly payment is now {$1700.00} I called Nationstar and spoke with representative XXXX and later her manager, XXXX XXXX. XXXX states they do not on file that the escrow amount has been paid. I explained that a check was mailed on XXXX XXXX for {$530.00} and XXXX confirmed on XXXX/XXXX/2016 that the payment was rec 'd and credited as of XXXX XXXX, 2016. Nationstar is claiming until they do a full account analysis, my mortgage payment is {$1700.00}. I was never notified that payment was not rec 'd ( because it was ) or that my mortgage would be increased. XXXX from Nationstar states they will review my account and will contact me in 30 days ( end of XXXX ) of their finding. I informed Nationstar that all future mortgage payments will be {$1600.00} until they put in writing why I should pay more. I then called XXXX and spoke with same rep I spoke with on XXXX XXXX, 2016, XXXX XXXX and she confirmed again that the escrow payment was posted XXXX XXXX and my new mortgage should be {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NATIONSTAR MORTGAGE LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX is a unknown debt collector who misrepresents herself as an attorney for the consumers debtor Nationstar. XXXX is not an attorney when attempting to collect a debt the consumer, creditor and Principal is due. Nationstar and XXXX filed a masquerading Foreclosure action attempting to seize the Lender, creditor, individual loan originator and secured Party consumers assets. A action of this type is also an foreclosure against the United States of America since it involved instrumentalities of interstate commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: RI

Complaint narrative:
This is the second complaint, after the 1st complaint to cfpb CASE # XXXX, My mortgage company Nationstar, lost XX/XX/2015 payment that I sent. So being 2 months behind I tried to make a payment, they rejected saying that I was 4 months late. Yeah, I was 4 months late because they lost XX/XX/2015 's payment. Of course they put the burden on me to find out where it went, they gave me a " fax '' line to a " research department '' to send proof. I sent them a XX/XX/XXXX statement on the XX/XX/2015,. I learned on XX/XX/XXXX they sent out a letter stating that to of no fault of there 's they could n't find anything & closed the case. The letter sent stated that if I had any added proof to send it. I then drove to the bank had them send over a statement and the electronic copy of a check on XX/XX/XXXX. I called on XX/XX/XXXX and they told me they ca n't tell if the research dep. received it or not because they ca n't talk to them, no one can talk to that department I was told. Today is XX/XX/XXXX, & I sent all the info again via fax,, its funny how they want me to send it to a fax #,, I 'm so tired of being helpless,,, I 'm mean really, There trying to force me into foreclosure because of the modification & the complaint to cfpb, when I called to ask why wo n't they accept a payment, they said I have to make a payment resolution or nothing at all,,, meaning I have to pay all 4 payments or they put me into foreclosure. 
How is this fear? I ca n't come up with four payments,, this is totally not fear, and people are losing their homes when they can afford them. I 'm losing my house because they wo n't let me pay them,,, and why is this modification taking so long? These people are making up rules & breaking the law in many cases and no one is looking into this stuff,,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Loan modification offer has been altered from the original offer. The " Principal Reduction Alternative '' clause was removed in the third modification package I received. 
HAMP affidavit has a " Rental Property Certification '' clause. it has been established that I am living in the property. 
The " Clarity Commitment '' sheet is missing in the third packageI received. 

Nationstar has been sending me package after package. that I have signed and sent back. The events are as followed. 
-On XXXX 2016 Nationstar sent the Loan Modification Package. I signed it and sent back. 
3 weeks later I inquired about it. They say that one of the papers was not signed. 
-Mortgage company sent a second set, replica of the first set. Signed and sent back. 
Did not hear from them in weeks, when inquired by phone, they say to wait for it to be " booked ''. 
-A third modification package was received on XXXX XXXX. This one is different in the following ways. 
1-In the summary page, the " Principal Reduction Alternative '' Clause that was in the original package is missing. 
2-HAMP affidavit was included this time, but it has a " Rental Property Certification '' clause, even though it has been establish that I am living in the property. Is this right? 
3- '' Clarity commitment '' sheet missing. Which I do not even know if it is necessary, but it was on the original package. 

On XXXX XXXX, email and an followed by a voice mail to my assigned loan agent. 
With these concerns. 
I do not received any answers. Few weeks later, what I got in response, was a XXXX package. Replica of the third one, urging me to sign and send back. 

XXXX XXXX, left a voice mail to my loan specialist, followed by an email on XXXX XXXX to ask him about the HAMP " rental property certification '' on the affidavit. 
And the other two issues listed above. 

Today I got a letter from Nationstar stating that they are going to look into the matter and will respond, latest XXXX XXXX. 
The issue with this is that Loan Modification Package is due by XXXX XXXX! 

This is really frustrating. It feels like I am been played around. 
Voice mail and emails addressed to my loan specialist are not been returned. 
I will attache the supporting documents to this complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
We were attempting to do a short sale. Nationstar mortgage changed the locks on the home and forced the utilities in their name. They supposedly winterized the home but the pipes froze and the home was flooded and had to be completely gutted. They have since been sued by XXXX XXXX for their negligence. Theyb forced utitlitiesn in their name but they never put on the required forced insurance. We had received an offer that if not accepted we could have put in the remaining funds to cover it. Nationstar and XXXX kept telling us it was tghen other parties problem. This now reports as a foreclosure. Our ability to sell the home was taken away.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
Nationstar Mortgage has kept my surplus escrow for XX/XX/XXXX and they are charging me an escrow in XX/XX/XXXX. I have paid my insurance directly per attached. I should be taken off escrow and refunded what they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I was let go from my job at XXXX, my job was moved to XXXX on XXXX/XXXX/XXXX. 

I looked for work in my field and i continue to do so but I coukldnt find anything with any salary close to that. 
I was making XXXX. 

I took a job as an XXXX XXXX, I am happy to be working but the pay is XXXX a year! 

So our income is down XXXX. 

I fell behind on my NATIONSTAR MORTGAE -it is a second mortgage at 10.75 % I have been paying XXXX a month since XXXX and ther balance is now XXXX on a XXXX loan! 

The company contacted me to say I ower all arrears noit just what I missed this year. 
I didnt know I was behind, They told me I was a year behind besides what I currently missed. 
I had been paying. I dont know where this extra year of being behind came from! I asked for a printout on my loan payment, they will not provide. 
I asked for a loan modification. I sent them documentation showing my hardship, they said I am not eligible. 
I tried to pay mothly payments in may - THEY SENT EVERY payment back and said, dont pay until you can catch up the full balance owed! 
I have this shown in my back - debit to Nationstar and they send it back! 
now i am father behind than XXXX and they will not work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My mortgage paymeny increased approx. {$600.00}. The mortgage company indicated that my escrow account did not have enough to cover property tax increase. 
I have spoke with several different mortgage reps. Its like a game of tag ( pass customer ) get them realy confuses or XXXX. 
I do not want to loose home to fore closure. A refinance counselor mentioned that I should ask if the mortgage would remove my Mortgage Insurance. He indicted that by the FHA guidlines a customer is requiredto make the payments for 5 years. Is there ant truth to that? I have been paying for over 5.5 years.. ( HELP )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
I was trying to lower my interest rate since it was too high ( 8 % ). Because of my work situation I could n't prove my income clearly, that 's why I could n't apply for refinancing, so I had to request for loan modifications. But even modification I got declined many times. But about XXXX years ago they send me an offer saying for XXXX years my interest will be 3.25 % but they increased my principal from $ XXXX to $ XXXX. Because of the pressure of losing home in foreclosure l accepted the offer and start paying on time. Even though after XXXX years they hicked up my interest rate back in 8 % driving my monthly payment from below {$2000.00} to almost double over {$3800.00}. I called many times for them to concider me to pay the same amount for few months so I can find the job and apply for modification but they said there 's no way to help me. After paying all those money and big principle balance now I am stock and in risk of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Select Portfolio Servicing caused an unauthorized individual to trespass upon my property for the purpose of harassment and intimidation on Friday, XXXX XXXX, 2015. I was alarmed and afraid in my own home. I reported the incident to the police who made an official record of the activity which is in violation of local laws as outlined in the attached affidavit which I submit for CFPB review and follow up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
My loan company Quicken Loans is trying to auction off my home. They have not allowed me the opportunity to go through mediation as required by Maryland law and they have not reviewed me for ANY programs that may help me save my home. This is an FHA loan and I have been told that there are several programs available on FHA loans to help homeowners who are struggling. I had a hardship and it caused me to fall behind on my loan but I have recovered from this and am working and trying to fix the problem with Quicken Loans. However, they tell me I have to pay them all the late payments at once or they will auction my home. I live here with my wife and XXXX children and I do not want this to happen. 

I bought my home in XXXX and completed an FHA streamline refinance through Quicken Loans in XXXX. In XXXX XXXX my wife was pregnant and she saw a large snake in our house. She was very scared and essentially refused to live in the house because she was scared for the baby and for our other small child. So we had to move out of our home and stay at my mother 's house for XXXX months. I had to pay my mother rent, as well as pay the utilities and mortgage payment on our home. A couple of months later I began falling behind on the mortgage payment. My wife insisted that I hire people to come out and clean out the entire house and treat it with reptile repellent. This was expensive and it took a while to get this done. 

Shortly after I began missing payments I tried to start the review process with Quicken Loans. I was assigned a case manager but I was rarely able to speak with this person, and instead talked to other workers who were not knowledgeable. This went round and round for XXXX months -- I would be told I am now in review with the underwriter, then I find out a couple of months later that the review was not completed because of this or that document and now we need to start over. 

This is not acceptable. We have moved back into our house, so the hardship has passed. I am gainfully employed and can afford a fair mortgage payment. However Quicken Loans has not given me any options other than full reinstatement, which I am not able to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
My loan is currently serviced by Nationstar Mortgage. This letter is in regards to excessive fees that I feel I am being charged on my loan. I tried to make contact with Nationstar Mortgage numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Nationstar Mortgage advised me to contact their law firm XXXX XXXX. That law firm advised that they can not talk to a represented client, so, Nationstar Mortgage advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. 

On XXXX XXXX, 2015 a request was made to XXXX XXXX for updated Reinstatement & Payoff figures on my loan. 

On XXXX XXXX, 2015 I received a copy of the XXXX & XXXX quote from XXXX XXXX. After reviewing the payoff quote provided by XXXX XXXX, there are numerous fees that I feel are excessive and no explanation is given in regards to the fees. The lender paid expenses are unexplained and excessive, the pending advance expense is unexplained, corporate advances are unexplained and excessive, charges for reinstatement & payoff quotes have been charged on my loan and the payoff quote includes non-adjudicated attorney 's fees. Examples are listed below for your review. 

Escrow Advances $ XXXXXXXX Recording Fee $ XXXX Advances : $ XXXX Inspections $ XXXX Fees $ XXXX Fees MET XXXX $ XXXX Fees XXXX Hearing XXXX ( XXXX $ XXXX Fees XXXX XXXX XXXX $ XXXX Fees XXXX Hearing XXXX ( XXXX ) $ XXXX Fees XXXX XXXX $ XXXX Exam $ XXXX Recording $ XXXX Fee $ XXXX Filing $ XXXX - XXXX - XXXX @ {$40.00} $ XXXX $ XXXX of Process $ XXXX of XXXX $ XXXX of Process $ XXXX of Process $ XXXX Attorney Fees and CostsAttorney Fees Mediation/Conc Conference Estimate $ XXXX Fees Mediation $ XXXX Fees XXXX Estimate $ XXXX Fees XXXX Hearing XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXX. XXXX Release Estimate $ XXXX letter good through XXXX $ XXXX letter good through XXXX $ XXXX XXXX Fee $ XXXX loan number is XXXX state of Florida XXXX XXXX of XXXX case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nation Star refuses to update on all XXXX credit bureaus. Since XXXX they have not properly reported our on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
Last year our family needed assistance with our mortgage and taxes, so we sought a HAMP modification. It has/was approved, however there were 4 late payments reported on my credit report. However these were not late, they were paid at the reduced agreed upon payment. I would like these late payments removed from my credit as they were not late.. Thank you

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 2017-03-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
1. I had a fire in my home. 
2. The insurance carrier issued a check to cover damage payable jointly to myself and the mortgage company. 
3. I endorsed the check and sent to the mortgage company. 
4. They deposited it and requested I send them numerous docs then more docs. I did but there is no end in sight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: AR

Complaint narrative:
I contacted XXXX re : list of lenders for home refinance. Several cont-tacted me, including Quicken Loans. I told them I was shopping around for a re-finance loan and they gave me information. I specifically told them I was notready to do anything just yet. I did NOT apply for a loan, or indicate that Iwould at a later time. When I checked my credit report I saw their inquiry onmy credit report. My understanding was that my inquiry of rates would NOTbe reflected on my credit report, and none of the others were. I contactedQuicken and was told if they had my ssn # and dob they could check mycredit. If they do, why was theirs shown as a " hard '' inquiry? I do not believe itshould be.

Company response to consumer: Closed with explanation