vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
To whom it may be concerned : I submitted a loan modification in XXXX of XXXX ; however, I never received a decision for that application. Although I received a letter from NationStar Mortgage Dated XXXX XXXX ; declined my application and the letter states " You have 30 calendar days from the date of this letter to provide us with written evidence that XXXX or more of the NPV input values is inaccurate .... '' I am so confused with the letter that Nationstar sent to me in XXXX XXXX in which the letter dated for XXXX XXXX and it talks about NPV something that I do not understand. I am still waiting for NationStar letter to respond for my loan application back in XXXX XXXX XXXX. I did not receive any letter for decision since the loan modification application submitted in XXXX XXXX, XXXX. They have had XXXX recorded of Notice of defaults XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I recently received letter in the mail and postings on the door of my house for sale date is XXXX/XXXX/XXXX. 
I also believe Nationstar Mortgage was wrongly filed a notice of default on my house back on XXXX/XXXX/XXXX because I made 2 months mortgage payment over the phone in the amount of {$2200.00} on XXXX XXXX by Representative name XXXX and confirmation number # XXXX. They said everything was ok ; however they return the funds on XXXX/XXXX/XXXX and filed a XXXX on XXXX/XXXX/XXXX. I strongly believe Nationstar Mortgage is just trying to foreclose my home and not at all in compliance with the law. I am a XXXX with illness of XXXX XXXX and this situation with Nationstar Mortgage is aggravating my sickness. First they are wrongly initiating a foreclosure secondly they never respond to my loan modification application submitting on XXXX/XXXX/XXXX and also they sent me a letter in early XXXX of XXXX in which the letter DATED XXXX/XXXX/XXXX saying that I have 30 days to dispute their letter. This letter dated XXXX/XXXX/XXXX is very confusing and contradicting. In the meantime, I was still waiting for their decision on my loan mod application dated XXXX/XXXX/XXXX and now they gave me a sale XXXX/XXXX/XXXX with no other information. I feel that Nationstar Mortgage is wrongly taking advantage of my situation. They are NOT in compliance with the law because their paperwork and actions are NOT in compliance. Please document attached to be submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We have our mortgage with Nationstar. Went to their website on XXXX/XXXX/16 to set up an online payment for XXXX/XXXX/16. Printed out a confirmation. On XXXX/XXXX/16, they took the payment out twice. Said they have requests for XXXX and XXXX for online payment. I never made an online payment on XXXX. This is the fourth time in 18 months they have taken double pmts out of our checking account. It has wiped out our account and we are incurring overdraft charges. When I asked to speak to a supervisor, they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
Because they failed to validate the debt in the timeframe allotted according to the FDCRA and other applicable laws this item was legally deleted from my file. After my wife filed a claim against them with CFPB stating that had failed to validate her debt and therefore should remove it from her credit report, they in turn RE-INSERTED the erroneous information on my credit report on XX/XX/2016. Select Portfolio Servicing has worked overtime to ruin our life with their fraudulent reporting. They have further sought to even comply with the law in reporting to the credit bureaus and have cause me irreversible harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I got a new job in a town that is XXXX hours from where I currently live and work. I wanted to buy a house in the new town and move into it prior to my start date at my new job. I contacted Quicken Loans, and I was told by their agent that buying a house prior to the start date of my new job would not be a problem. I was pre-approved for a loan through Quicken, and I put an offer in on a house in the new town. My offer was accepted by the seller. When I told the agent at Quicken this, I was told everything was fine/there would be no problems. Then several days later, I was told that they would be unable to start the underwriting process until I had received my first paycheck from my new job. I have extremely good credit ; I have been employed in the same line of work steadily for 8 years ; I am currently employed and will be between jobs for less than one week ; I have a low debt-to-income ratio ; and I have an offer letter from my new employer which gives my starting date, the amount I will be earning, and that I will be guaranteed 40 hours per week. When I started the loan process with Quicken, they told me this was sufficient. Then, several days after the process was going, and after I had put down {$5000.00} EMD on the new home, they tell me that I will not qualify for a loan from them until I can produce a paycheck from the job in the new town that I will be moving to. They claimed this was because XXXX desktop underwriting program " requires at least XXXX pay stub [ Sic ] so we would n't be able to close until we have a new pay stub. '' I feel that Quicken loans purposely mislead me and was dishonest to me when they told me that I had everything necessary to get a loan and to close on a home prior to my start date at my new job. Furthermore, I do not believe that they are being completely truthful about the XXXX pay stub requirement, as I have multiple factors that point to my being an extremely safe borrower who has a guaranteed future income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My original note was owned by XXXX Bank and I was given a loan modification, at the same time I was offered the Loan Modification my loan was sold To Nation Star Bank and subsequently my loan modification offer was not honored and I was forced to resubmit for a new loan modification. All of the income and documentation was the same and I was turned down for a loan modification. I have resubmitted several times at the request of Nation Star and have been turned down each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I am completely shock of all the fraudulent claims Nationstar has come up in order to denied my loan. I have provided the same income as the previous review and I was provided a trial payment and now that I was forced to re-applied in order to safe my home, Nationstar refuses to approved me for a modification. Based under the guidelines my loan does qualify for the Hamp Tier 2. On the previous review nationstar offer me the Hamp Tier1 and on the final documents they switched the terms to the Clarity commitment modificaion. After I question them on why my modification was been combine with the Clarity commitment, Nationstar did have an explanation. This was not acceptable because under the Clarity commitment I know I should be offer some principle forgiveness based under the national settlement against Nationstar. At this point I have tried to work with Nationstar numerals times and they have switch my income in order to denied my loan, after many applications now they are stating I dont have enough for an affordable mortgage payment. When clearly I have the same income from the previous review and I was offer a trial, why is this any different. I have attached supportive documents to make sure Nationstar stops prolonging my loan. My intentions are to keep my house please help me my home is severely under water. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
My mortgage company will not give me a reason why I can not use the " Making home affordable Program '' again. By law, they say a person should be able to do this as many time as they need to. The first time I '' did it, they did not lower my payment enough and my interest is over 5 % still. I am XXXX years old and I do not make enough money for all the bills and mortgage and I never get to buy food. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
We believe that our loan servicer ( SPS ) is not following MHA guidelines in connection with their review of our Request for Mortgage Assistance. According to MHA Handbook XXXX XXXX, Section XXXX an Acknowledgement and Incomplete Information Notice " must include a specific date. '' They gave us a date of XXXX XXXX to send in a complete information package. They ignored the XXXX XXXX date and sent us a letter dated XXXX XXXX saying the had received a complete package. How could they say they had a complete package when we had not sent one?????? 
Our other even greater concern is that we believe that we qualify for HAMP and SPS does not acknowledge that we made a HAMP request in any of the letters regarding our loan application review that they have sent to us. We contacted MHA XXXX and they said that loan servicer should first consider HAMP before any other loss mitigation options. Below is a list of HAMP eligibility criteria : ( 1 ) Delinquent on mortgage ( 5 months behind ), ( 2 ) Obtained the mortgage before XX/XX/XXXX XX/XX/XXXX ), XXXX 3 ) Our property has not been condemned, XXXX 4 ) Owe less than {$720000.00} ( {$370000.00} ) ( 5 ) We have not been convicted of any crime in connection with a mortgage or real estate transaction, and ( 5 ) We pass the Net Present Value Test,. We wish that SPS would finally acknowledge this and give us a HAMP loan. Why are they not telling us anything about HAMP when reviewing our applications? SPS did send us separate letters about assignment of an appointed of a HAMP relationship manager. The last time I talked to one of the HAMP relationship managers they wanted us to pay our delinquency or agree to a short sale or deed in lieu of foreclosure. They also said that we could not request a HAMP. I do n't understand that. They have never given us a HAMP so why should we not be able to apply. But these conversations cause me a great deal of stress, and do not wish to talk to any SPS person that has the same old story.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
Failure to remove Private Mortgage Insurance despite Auto-termination date. 
I have a great deal of communication from Nationstar that my Private Mortgage Insurance would auto-terminate- various dates have been provided and they continue to dispute and indicate my home has not reached the 78 % loan to value- they provided the dates for which that would happen. They repeatedly say I must get an appraisal through a Nationstar appointed appraiser and go through the motions of the " borrower request to remove PMI. '' I am only requesting it be removed per the auto-termination dates I have been provided- I will not pay for an appraisal for something that should have been removed from my account per their paperwork and the loan documents.. 

I have been dealing with this issue for over a year- and I receive different answers with each call. I spoke with 7 representatives & supervisors on XXXX continually getting the run around and being told " this is not the right department to handle your request. '' I was transferred over and over again. 2 hours on the phone on XXXX/XXXX/XXXX with no resolution- meaning I had to pay the full amount due by XXXX/XXXX/XXXX to avoid late fees and penalties. 

Consumer 's Desired Resolution : I want the PMI removed from the account per the effective date in writing of XXXX XXXX, XXXX ( preferably to the XXXX XXXX, XXXX date that is shown on the original loan documents of XXXX and as stated in various conversations with Nationstar, most recently on XXXX/XXXX/XXXX with an Escrow representative ). I request a refund of the PMI amount paid in past the auto-termination dates. A loan modification was completed in XXXX, however the documents do not contain anew PMI disclosure. 
This matter has been sent to the XXXX and after three months of back and forth the case has been closed with no resolution. The XXXX has provided the following response as of XXXX XXXX, XXXX : " Business Name : Nationstar Mortgage LLC You have indicated from your Customer Response that you were not satisfied with the Company Answer in your complaint case. Because of this, we have conducted a case review which includes all of the available documentation contained within the Original Complaint, the Company Answer and the Customer Response. 
Based on this review, we have determined that the company did not do all that it could have been reasonably been expected or been responsible to do to resolve the issue. This case is being closed and will be reflected in our files as Unresolved. '' Assistance would be greatly appreciated as I do not understand why I am subject to an appraisal that must be conducted by a Nationstar appointed appraiser if I am well beyond the auto-termination date reflected in the loan documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 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 repeatedly reported late payments on a mortgage that clearly ( and repeatedly ) has been shown to not have late payments. Our most recent efforts to correct this began back on XXXX XXXX, 2016 and have been met with nothing but automatic email responses telling us : " Please be advised we have received your email and are currently reviewing your request. You will receive an email response once the review is complete. '' This is unacceptable! A phone call today seems to have resulted in an escalation, but this has happened before without permanent solutions with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
This message is a follow up to complaint # XXXX with the intent of modifying the " desired resolution ''. To recap the issue, my wife and I applied for a construction loan with BB & T bank in North Carolina. We spoke with the mortgage loan officer on XX/XX/2015, clarified our need for a construction loan for XXXX the cost of construction. We submitted all documents on XX/XX/XXXX requested from BB & T in their letter of XX/XX/2015. We were told by our loan officer that the loan would be processed in one week. I stated clearly that if there was any chance that the loan would not be approved, I did not want to go through with the appraisal at a cost of {$430.00}. I was assured that if the appraisal was ordered, our loan would be approved. 

There was not one representation made by BB & T that held true. They lied about the appraisal, they lied about the passive income limits from our retirement accounts, they lied about the loan to value ratio requirements, they lied about not having received documentation from us, and they lied about closing dates. 

We continued to be strung along by this group of unprofessionals for XXXX months with excuses about the underwriters and the loan processors " not communicating ''. We then reached our planned spending limit of XXXX the construction cost from our savings with new promises of closing on XXXX XXXX, 2015. XXXX days after being told the closing needed rescheduling, we were told that due to time limits on documentation, we would need to resubmit financial statements. This tactic occurred XXXX times. 

My wife and I finally decided to drop our efforts to close the loan one day after filing our previous complaint to this agency. That day, I spoke with XXXX XXXX, XXXX Manager, and had the same false assurances repeated that had been made by XXXX of her XXXX underlings. Once again we were told that financial documents previously submitted to the bank, would need to be submitted. At this point I realized that our efforts were in vain. 

I have been in and around the construction industry for XXXX years and have worked with at least XXXX other financial institutions with construction loans for projects/homes I have constructed ( all successfully ) and I have never seen anything like the incompetence and outright misrepresentation of the truth as exhibited by the entire chain of command at BB & T. 

I strongly urge anyone considering a construction loan to look elsewhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2015 we refinanced our loan with Nation Star Mortgage ( the loan was already with them ). All disclosures, Estimated Fees and Costs, the Federal Truth in Lending Disclosure Statement, the Payment Letter to Borrower, the Impound Authorization and Payment Notification, the Initial Escrow Account Disclosure Statement, etc., and the repeated assurance of our loan officer stated the same thing : our PMI payment was {$330.00}. The first payment statement ( in XX/XX/XXXX ) from Nation Star had PMI at {$330.00} as agreed. Now on XXXX XXXX, I get a statement telling me that my PMI is now {$540.00} - a SHOCKING increase of {$210.00} every single month - that is {$2500.00} per year! I called Nation Star today and they had absolutely no information except to say that they ( the escrow department ) had " just gotten all of the information '' and that my PMI is now {$540.00} per month and that they needed even more additional money per month because they " did not ask for enough up front at closing for their 'cushion ' so there is a shortage that is also going to require an additional {$65.00} for the next year so that they have the proper 'cushion ' on hand. '' This is a fixed rate mortgage. The principle and interest are {$2400.00} per month. The disclosed/agreed PMI was {$330.00}, the hazard insurance was {$100.00}, and the taxes were {$390.00} for a total monthly payment of {$3200.00}. Now they are claiming P & I is {$2400.00}, PMI is {$540.00}, insurance is {$120.00} ( which I expected because Nation Star told us to get more insurance in XX/XX/XXXX so it increased the annual premium by {$100.00} per year ), taxes are {$390.00}, and the escrow " cushion '' shortage payment of {$65.00}, for a new total payment of {$3500.00}. This is almost {$300.00} per month higher than disclosed and agree just one month after our first payment! Had we known that the PMI payment could fluctuate like this, we would NEVER have agreed to this loan - we had other options! We spent over an hour on the phone trying to get some answers, but got no where beyond " that 's just what you owe '' and " that 's how the numbers came in when we got them. '' This can not be right! Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I received a document that disputes the owner of the debt I am alleged to owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We have tried to get a loan modification for over 2 years and the bank always asks for more documents. We always send everything on time. Now Select portfolio Servicing is saying they will no longer give me any workout options. HOW MUCH LONGER WILL I HAVE TO TRY TO GET A LOAN MODIFICATION? It should not take over 2 YEARS to get a loan modification. This company is not doing anything for my benefit but only for theirs. They placed my home on foreclosure and this is a very big threat to me and my family. I have tried and tried to get a loan modification with them and they will not give me XXXX. They always say, we need this and this and this and once it 's too close to the sale date they say ooops sorry it 's to close we ca n't do anything for you now.I make {$3300.00} every month it 's enough to make payments and quality under the Government HAMP modification program. I have a close friend who recently got a loan modification from XXXX XXXX XXXX ; she has a very similar situation as me. Same size house, same year, and same loan amount and she received a loan modification payment in the amount of {$670.00} a month. Why ca n't I qualify when I receive more money than her? They are violating the " California Homeowner Bill of Rights '' law. 
" CALIFORNIA HOMEOWNER BILL OF RIGHTSThe California Homeowner Bill of Rights became law on XXXX XXXX, 2013 to ensure fair lending and borrowing practices for California homeowners. 
The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process. Key provisions include : see : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation