vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
Nationstar Motgage will not give me a copy of the Lender Placed Insurance they placed on my property for the last 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, XXXX agent foreclosed on my house. After the completed foreclosure sale, the substitute trustee executed a trustee 's deed to the XXXX XXXX XXXX XXXX XXXX. XXXX filed an eviction suit and was awarded Judgment of Possession. 

On XXXX XXXX, XXXX, I filed a lawsuit to stop a post-foreclosure wrongful eviction. This lawsuit XXXX is currently pending in the XXXX XXXX XXXX XXXX XXXX because the Defendants ( XXXX and XXXX XXXX XXXX ) was granted leave to file an answer to the complaint more than two years late. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX filed a late answer to the lawsuit and included the following affirmative defense : XXXX. Should Plaintiff be awarded any damages, Defendants are entitled to offset and recoupment in the amount the funds due and owing at the time of the foreclosure sale plus reasonable market value rent from the date of foreclosure until the service release of the loan to non-party Nationstar Mortgage , LLC. 

As per the aforementioned defense, Nationstar 's predecessor, XXXX XXXX XXXX, is asking for rent after the foreclosure sale on XXXX XXXX, XXXX in their answer. However, Nationstar contends I owe them more than {$110000.00} for the same loan their predecessor foreclosed on. I have not executed any loan agreements to XXXX XXXX XXXX or Nationtstar since the foreclosure sale on XXXX XXXX, XXXX. 

Nationstar is reporting this fraudulent, incorrect, and false information to a third party, the credit bureaus XXXX XXXX XXXX XXXX is claiming the house was foreclosed and they are seeking rent post foreclosure. 

Nationstar is claiming I contractually owe them from XXXX XXXX. 

To add on, Nationstar is reporting to XXXX that the loan is a contested foreclosure. 

Nationstar is reporting contradictory and false information to XXXX the credit bureaus, and me. 

Nationstar has not been able to validate their debt collection activity. 

XXXX XXXX XXXX and Nationstar are colluding and harassing me to collect a loan that was satisfied from foreclosure proceeds four years ago. 

I will be filing this complaint with the XXXX, XXXX XXXX XXXX XXXX ; since my loan was XXXX insured loan. 


I 've included the following documents to substantiate my claims : 1. The Defendants ' Late Answer excerpts XXXX XXXX. XXXX ) 2. The most recent docket entry of the pending lawsuit, XXXX. XXXX ; Order Continuing Stay dated XXXX XXXX, XXXX These are records that are documented in the Federal Court that are undisputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I refinanced a loan with Nationstar in XXXX XXXX and every since I have been making Bi-weekly payments and since then I have to send an email through the website on my account to correct the total payment every month. All other financial institutions I deal with accepts biweekly payments accordingly with no issues. Why cant nationstar? They advertise biweekly through there system but I do automatic payments through my bank. I have used there XXXX XXXX XXXX in the past with biweekly payments and the money was placed in full once a month therefore not reducing principle and interest as it should have as advertised. I do n't understand why they cant handle biweekly payments as others do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Hello. I live in an " XXXX '' rated XXXX area as designated by XXXX. Therefore I require Flood Insurance. My house has a replacement value of {$160000.00} and I owe less than {$130000.00} on the house. My mortgage with NationalStar Mortgage was satisfied with my policy of {$180000.00} as this was more than both the amount I owed the bank and also was more than my replacement value. Then more than two years into the loan I received a letter saying I was not in compliance. I called NS and shared the requirements as stated on their letter to prove that I was in compliance. The issue went away for about seven months. Then I received a letter in which they changed the requirements whereby I had to meet one of two criteria 1 ) match the amount of my homeowners policy or 2 ) carry {$250000.00} ( the max under XXXX rules ). I disagreed by way of numerous calls. NationStar then took out an expensive supplemental policy for me to bridge what they say is a gap. This has created a real hardship as it has pushed our monthly to a place where we are exhausting our savings. I want to know if this is legal or simply unethical. True that I can refinance with someone else, but not without expense and an expense that I should not be subjected to if not for the predatory ways of this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
Hello, It has come to my attention that Nationstar sent an unsolicited payment of {$1800.00} to XXXX County Treasurer for property taxes. As clearly shown in the attached escrow statement prepared by Nationstar in XXXX 2015, only hazard insurance is being collected in escrow. Furthermore, attached are the property tax bills that were addressed directly to me, and not Nationstar. This error has caused duplicate payments to the XXXX County as I made a payment to them directly since it is not part of the Nationstar escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar took over my loan in XXXX, but I did n't receive notification until a demand letter on XXXX XXXX. I may have tossed previous letters thinking they were junk mail refinance offers. I tried to log onto my previous servicer 's website to make payments several times XXXX through XXXX. 
I called Nationstar as soon as receiving the letter and stated I could make payments but wanted verification that they had the note and did indeed own my debt. They said they would send it and never did. I forgot to call them back until XXXX XXXX, asking about the note. They said they could e-mail it, leaving me wondering why they had n't done that before. They also said they had initiated foreclosure that day. I offered to pay the outstanding payments in full, but they said they would have to determine legal fees. Despite calling on the very day they initiated foreclosure, they called back a few days later and demanded {$900.00} of legal fees. I contacted their law firm and was mailed a letter saying no attorney had reviewed my account. 
I spent many hours on the phone attempting to get them to reduce the fees. They tried to force me to apply for a modification that would involve a new XXXX-year mortgage that would end up costing me a lot more in the long run. I considered hiring a lawyer and taking them to court, but it seemed like too much risk. I finally gave up and was forced to pay the exorbitant fees. 
In sum, my complaints : They foreclosed on my loan less than a month after I was notified that they owned the loan, and without providing me documentation of the note. My previous payments were not considered late until the XXXX of the month, yet they foreclosed before the XXXX. They claimed I owed {$900.00} in legal fees despite the fact that I attempted to pay in full within hours of them " initiating foreclosure '' - and I had previously expressed willingness and ability to pay in full on XXXX XXXX. I was only 4 months behind in the XXXX place because I could n't figure out why my previous lender was n't accepting payments XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Hello CFPB team, please look into this situation with mortgage rate through Quicken Loans # 1 lender in America. On XXXX/XXXX/16 I filled out on line form and received a call from a Mortgage Banker XXXX XXXX XXXX # XXXX. I told the person that was referred by a coworker that just completed a refinance through Quicken and was able to low his mortgage payment. The loan representative told me that the lower rate available is 3.25 % today. She collected some basic information and asked permission to run my credit. I gave the persmission because I was under the impression that I am getting a lower rate, what I was quoted by her at 3.25 %!! After a few minutes into a phone call she told me that there is some savings for me to do this refinance and gave me a dollar amount for the payment. The payment was {$80.00} less then what I am currently paying. I told her I want to start the process. However, in a sudden XXXX indicated that it is going to cost me {$8000.00} to get this rate, but it is the lowest rate available!! Really?! Is it still required under Reg. Z to provide consumer with APR once rate is quoted? Why credit was ran and personal information was collected to mislead me from the start that the quoted rate is available at no cost if no APR was provided?? How many people fall into this trap with the # 1 lender in a country that 's running their adds on TV, radio and all over the internet. My question is : " Will the Quicken Loans Company going to be held accountable for this? Is Senior Management going to provide resources to train their mortgage bankers to provide the benefits for consumers and not just generate more business for the company? Or trap more homeowners to do something that has ZERO benefits? The call was recorded. I wish Quicken to honor what they stated over the phone to me. Thank you for looking into this & hopefully less homeowners will be in such terrible situation. I felt very bad after this call.. plus I keep getting emails from Quicken to my Inbox with more attractive deals.. Are they REAL?!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
BB & T MADE A HARD INQUIRE ON MY CREDIT REPORT DATED FOR XXXX/XXXX/2015 AND HAS FAILED TO SEND ME PROOF OR REMOVE IT FROM MY CREDIT REPORT IN A TIMELY MANNER

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 2015-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
XXXX XXXX with Nationstar on XXXX/XXXX/XXXX @ XXXX called to informed me AGAIN my loan modification had a problem, he noted that it was an accounting error. The papers were re signed on XXXX/XXXX/XXXX for the XXXX time. He noted they would offer {$300.00} cash gift card. I received a letter tape to my door offering {$150.00} stating my MOD loan was rejected. My loan modification has been booked several times once in XXXX and XXXX now they 're saying it has been rejected. Please see previous compliant on case # CFPBXXXXXXXX On XXXX/XXXX/XXXX Nationstar deducted out of my checking account than what is agreed according to my Modification. My agreed amount is XXXX, they deducted {$990.00}. Solution provide correct documentation my loan should also remain as per noted on Loan Modification documents, refund the amount they taken out of my account unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
In XX/XX/XXXX, I signed a Deed-in-lieu of Foreclosure with Select Portfolio Servicing Company and was told I would be receiving the {$10000.00} relocation assistance check. I never received the check and in XX/XX/XXXX I was notified by the IRS that Select Portfolio Servicing Company submitted a XXXX stating that I received the check. I have contacted them weekly since XX/XX/XXXX and keep getting the same answer that the escalation department has to verify my mailing address information before they can resubmit the issuance of the new check. Every time I call I 'm told this every week and they verify my new address and tell me it will be issued in 7-10 days and then call next week to verify the issuance of the check and once again no check has been issued and they are waiting for the escalation department to verify my address. Unfortunately this department is not available to the public. I do n't know why it is taking so long to reissue a check that they have had in their possession for over a year. I do n't want this to be delayed any longer as I already am dealing with the IRS over doing an amendment of my XXXX taxes due to the document that Select Portfolio has submitted.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AR Resources, Inc.
State: NY

Complaint narrative:
Creditor has twice reported me delinquent on XXXX separate accounts with out ever having contacted by phone or mail regarding debt nor have they identified the debt nor have they provided me with any information regarding this debt. i have received no validation notice proving this debt before they reported this debt negatively to the credit bureaus. This is a violation FACTA and the Fair Credit Reporting Act because they are have provided inaccurate information regarding a debt I have no knowledge and despite my two attempts to contact them regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI

Complaint narrative:
Charged wrong amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We signed a Home Affordable Modification Agreement with XXXX XXXX XXXX on XXXX XXXX, XXXX. The agreement included {$130000.00} in deferred principal, to be forgiven in XXXX installments - specifically on XXXX XXXX XXXX, XXXX and XXXX ( anniversary dates ). Each installment should have been for XXXX of the total, and we should have received a XXXX in XXXX, XXXX and XXXX for the corresponding amounts. 

The loan was subsequently transferred to Nationstar Mortgage on or about XXXX XXXX, XXXX. Nationstar failed to provide a XXXX for XXXX, and XXXX the amount of the deferred principal on the XXXX provided for tax year XXXX. This constitutes a breach of the agreement XXXX XXXX XXXX, page XXXX ). I have contacted Nationstar MULTIPLE times and their answer is that the XXXX XXXX reflects XXXX of the deferred principal balance. Whilst the figure is XXXX of the total - it was to be forgiven in XXXX portions in year XXXX, XXXX and XXXX. In XXXX, I am subject to taxes on principal reduction in the state of California, whereas I am not subject to taxes on that amount for XXXX. By providing ONLY the XXXX XXXX for XXXX the actual amount of principal reduction, I will be required to pay taxes on XXXX the agreed upon amount from the HAMP document. By lumping together the 2 years forgiveness in violation of the agreement, Nationstar has exposed me to additional tax liability in the state of California. I need either a corrected XXXX that ONLY reflects the XXXX forgiveness portion AS AGREED in the documentation or compensation for the additional California State Taxes I will be subjected to because of the breach of the HAMP agreement by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: MCLEAN MORTGAGE CORPORATION
State: NC

Complaint narrative:
I was denied a mortgage refinance for a lower interest rate, VA guaranteed for my personnel property. The decision to deny the loan was based on my credit report. At that time my credit report carried XXXX negative items. XXXX items were paid off XXXX XXXX and the third items should not have been on the report. Currently, all negative items have been removed from the credit report. We dealt with the mortgage company five months ( XXXX XXXX thru XXXX XXXX ). During that period they ran my credit report four times. Bringing my credit score done even more. The appraisal expired, the appraisal fee {$450.00} was non refundable and the low interest rate also expired. A written request was mailed to the mortgage company, recently asking that the inquiries be removed and there has been no response. First, I did not give them permission to run my credit report four times and second because the numerous inquiries lower my credit score, it prevented me from acquiring financing from another institution

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
This is an amendment to claim # XXXX that was submitted on XX/XX/XXXX. In that complaint there were XXXX issues that were of concern regarding the servicing of the my mortgage loan and of the unauthorized disbursements of premiums and taxes. On XX/XX/XXXX I received a call from XXXX, who previously identified herself as a manager in the escrows department in a conversation of XX/XX/XXXX. During that conversation she acknowledged Nationstar was receipt of the documented proof of flood coverage, but the flood line had not been removed as promised.She said there were notes in the files of previous calls regarding these issues and the promises made to resolve them going back months. She informed me that based on our conversation on XX/XX/XXXX and the documents I provided she has removed the flood escrows line but has refused to remove the tax escrows line from my mortgage although she found that I had the escrows shortage in the amount of {$400.00} XX/XX/XXXX but the tax escrows line was not removed as promised. The 2 reasons for the denial of the tax escrows I was told was that ( 1 ) the loan was delinquent ( 2 ) the taxes were late. I believe Nationstar is acting punitively by taking such a hard stance on one of their policies regarding non escrows accounts. The delinquency was caused when Nationstar made the error in increasing my payments. It remained delinquent because Nationstar was negligent in the servicing of the account. Nationstar did not resolve the issue in a timely manner even after showing proof that they were in error. Finally, Nationstar has never provided anything regarding the implementing of an escrows on account that were originated as non-escrows accounts. I agree my XX/XX/XXXX taxes were not paid until XXXX. They were delinquent for 6 months and I had every intent on paying them but Nationstar had already disbursed payment. 

It is customary for " any creditor or company '' to issue a late notice when payments are late. The city of XXXX XXXX did issue send a such a letter. However, the property was not in imminent danger of being sold for a {$360.00} tax bill and Nationstar, being a major lender in home mortgages and serving industry is well aware of the time lines associated with tax sales. 
By taking such a punitive stance it appears Nationstar, who is a leader in the mortgage and GSE servicing industries, is saying it is ok for a major company to to make egregious errors, display poor customer service, and to make adverse decisions without quick resolutions, but the consumer in non exempt and must adhere to all the rules and regulations regardless to whom erred. I believe this has been the a very poor display of customer serivce and of servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar mortgage co. play a game with me for four years, I can pay, but they do not modify the mortgage. The account number is XXXX. I was robbed from many sides and my house was damaged and my XXXX was destroyed, so I could not pay for few months. I could pay after that, but they said I should apply for modification. Four years they played a game with me and collect a lot of late fee and attorney fee and now because I have a lot of equity in the house they want to forclose the house that I live in for 16 years. I am XXXX years old and worked 45 years as XXXX. I can pay now, but they want the whole money and do not coopeate and or make modification. I paid also a co. for reverse mortgage, but they sharge money and they did not do the reverse mortgage. It is not fair and just as I was robbed and they misused my situation.

Company response to consumer: Closed with explanation