vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
XX/XX/2016 I refinanced my home with Nationstar Mortgage company, and established an escrow account out of which taxes would be paid. In XX/XX/XXXX I received a bill from my county - XXXX , County Va - for my property taxes. I called Nationstar to make sure they would be paying taxes out of escrow and they assured me they would. In XX/XX/XXXX I received the first of many late notices from the County. I began calling customer service to find out why the payment of my taxes was n't paid, escalating to supervisors but not getting answers. Then, in XX/XX/XXXX, I received notices threatening seizure and sale of my property. During this time period - from XX/XX/XXXX to XX/XX/XXXX - I made over 15 calls to Nationstar only to receive promises that they would research my claim to find out why my taxes had not been paid. Each time I called was told they would need to do research and get back to me in 3 days, which they failed to do. I then called another service number which was supposed to be an escalation phone number. My escrow account had the funds to pay out the taxes but again I was told that there was research needed and they would get back to me but even they refused to follow up and the taxes did not get paid. Finally in XX/XX/XXXX, after receiving notices from the county that my income tax refund was being held until my property taxes were paid, I found the number of a VP of Customer relations and called to tell him my problem. Again I received promises of resolution but did not get returned calls. After recieving a summons from the County to appear in court, I emailed a copy to the VP requesting confirmation of receipt. I did not hear back from him nor anyone else at Nationstar. I found another number on the internet and I escalated to another VP. As of today, after over 20 calls to various parts of Nationstar over several months, I have another promise that the money has been sent to the county. The county has n't recognized the payment and I have 2 days to make sure the property taxes are paid or I have to show up in court. My income tax refund of over {$1000.00} is being held by the county, I have a summons to appear in court, and my previously pristine credit rating is likely destroyed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I have a complaint against Nationstar Mortgage. I had applied for a HAMP modification Loan in XX/XX/2016 only to find that the application was pulled in XX/XX/2016. I did not find this out till XX/XX/2016 after I called them and was told over the phone that the loan application was pulled. The person on the phone could not tell me why it was pulled. He did tell me that there was a note in my file that the property was condemned. My home is in the process of being rebuilt after Superstorm XXXX. In XX/XX/XXXX when they pulled my application, the structure was already built on piles. The siding and roof on, as well as the doors and windows in. Neither the township nor the county I live in is going to condemn a new house being built with a state HUD Grant under the NJ RREM program. Nationstar had to have made this determination that the property was condemned. I do n't know if this had anything to do with the pulling of the application, because I never received any form of communication that it was being pulled. Can a mortgage company decide to pull your HAMP modification loan application without giving you notice that it is being done? Or without giving an explanation as to why? I had just learned that XXXX had filed on XX/XX/2016 to foreclose on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AR

Complaint narrative:
My mortgage servicer has been changed from XXXX to Nationstar Mortgage. I received my XX/XX/XXXX statement yesterday, XXXX XXXX, 2015. I called to make sure they got my payment, and they said they did. I asked when they would be mailing me my next statement and was told on XXXX XXXX. I told them I believe I 'm supposed to get the statement prior to XX/XX/XXXX and I asked to have legal council call me. I was put on hold and I eventually hung up. I do n't believe they know what the laws are and I want to receive my statement on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I used to own a property with my ex-girlfriend. When we split, I quit claim deeded off the property so she could refinance the loan out of my name and solely into hers. Instead of refinancing, she modified the loan without my knowledge. The lender acknowledges that I was and am not an owner of the property and never signed loan documents for the modification but refuses to remove the modification from my credit report. This is severely negatively impacting my credit and I had no knowledge that the loan was modified in my name. I was able to obtain a copy of the deed and it even states that the borrower ( my ex-girlfriend ) claims that there was no change in ownership of the property since the original loan, but there was a change, as I was removed from being an owner. Also, it is my understanding that it is illegal to place a loan in someone 's name or modify a loan without the knowledge and consent of the person whose credit is being affected by the event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I 'm filing this grievance against Select Portfolio Servicing ( SPS ) for failure to record new terms to my loan with XXXX XXXX County records. A loan modification is a permanent change to the loan terms and I 'm seeking to reduce the possibility of future issues in the event that my loan is transferred to a new servicer. Primarily I 'm concern here is the fact that I 'm reassuming a debt that was previously discharged in XX/XX/XXXX prior to completion of a loan modification on XX/XX/XXXX. 
Per the California Bill of Rights it is required that lenders record loan modifications. 
A recent decision by the XXXX Circuit Court of Appeals underscores the critical importance of timely recordation of mortgage interests and the ineffectiveness of the " earmarking '' and " contemporaneous exchange for new value '' defenses in the face of the strict timing rules set forth in section 547 ( e ) ( 2 ) of the Bankruptcy Code. Lenders should take note of a XXXX Circuit decision earlier this year in which the Court of Appeals highlighted the importance of timely perfection of security interests and mortgages. Rejecting XXXX defenses commonly raised in preference actions, the Court of Appeals held that a lender who takes more than 30 days to perfect a mortgage interest in real property XXXX have that interest voided in a mortgagor 's bankruptcy case if the perfection occurred within the 90 days preceding the bankruptcy filing of the mortgagor. 
I 'm seeking assistance and demand that SPS immediately record my new terms accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: IL

Complaint narrative:
I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I contacted Select Portfolio, my mortgage servicing company, in order the obtain a letter entailing the amount I need for reinstatement to avoid eminent foreclosure. They sent a letter of reinstatement, but it did not state that this amount was the amount needed to avoid eminent foreclosure. When I contacted them to inform them of this, they related that they do n't write letters of this nature. They also stated that they are not in the processing of foreclosure upon my property, but 'in litigation '. I was confused. " Foreclosure is the legal process in which a bank or other secured creditor sells or repossesses a parcel of real property after the owner has failed to comply with an agreement between the lender and borrower called a 'mortgate ' or 'deed of trust ' ". Since they are in the process of trying to force a sale of my house through the courts, and represent XXXX bank, how can they say that I am not in danger of eminent foreclosure? They further directed me to make a payment immediately. I am unsure where that payment would go nor am I sure it would be used to avoid eminent foreclosure. I am in the process of getting help to work with the bank, but they do n't seem interested in working with me. They said all of our conversations are recorded, so there should be no discrepancy as to each conversation that transpired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NM

Complaint narrative:
Nationstar provided a HAMP modification to my primary mortgage, XX/XX/2013, with a provision they failed to deliver : XXXX Rev XXXX says and I received the " annual incentive payment of up to {$1000.00} for the first XXXX years after the loan modification. '' However, despite XXXX Rev XXXX saying " In addition, once your loan is permanently modified, you may be eligible to have some of your principal forgiven on a deferred basis. So long as your modified loan remains in good standing, we will forgive {$49000.00} of the principal balance of your loan each year on the anniversary of your first trial period payment date for XXXX years. '' that provision has been ignored, despite never missing a payment, remaining in good standing and several attempts to communicate the desired principal reduction XXXX my house is still underwater XXXX years later XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
I recieved a call on XXXX from a debt collector saying that a XXXX account with a balance of over {$5000.00} was in default and that they were debt collectors looking to settle and that if I did not, I would end up in court and sued. When I heard this, I made no promise of payment or agreed to any form of contract payment and then they said I had 3 days to call them back to with my decision or else they would go to court. After this, I felt something was wrong and realized that the account they were referring to was not one that I had opened myself and that I had flagged prior back in XXXX as a possible fraudulent account. After looking into it more I realized that the account in question was opened as a factoring company type account, something which I have never done before. Therefore, I decided to take steps to report my identity as being stolen most likely along with the fraudulent activity.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I have a mortgage that is a XXXX account. I have been trying to get a loan modification from Nationstar Mortgage and without success. Finally they sent me a letter offering a modification with the monthly payments higher than what they were before. My home has been sold from one lender to another. The balance they are reporting is not accurate. many of my payments are not showing and only a small portion is showing. Please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I have a car 72 month fixed rate Loan with BB AND T bank. 
I never had late payment I always make payment on time but the interest keeps going up. 
I want to know why it 's keeps going up. I usually pay total {$470.00} per month with interest of {$61.00} BUT it keeps going up and I 'm currently paying interest charge of {$75.00}. 
I want to deduct principal so I pay extra per month but the bank always charge more interest every month. 
I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I had a car loan through Regional Acceptance that I paid the last and final payment on XXXX/XXXX/16 of XXXX. I spoke to the company on XXXX/XXXX/16 to confirm m my new address so that the title could be sent and was told by the rep that it was sent out on XXXX/XXXX/16. On XXXX/XXXX/16 Regional processed a debit of XXXX on my checking account without my knowledge or authorization. I would not h have made a payment after I had paid a final payment previously. This company y did this once before earlier this year and I had to block any checks from them on my account. I am concerned that they held my personal debit card informat on file from a previous transaction, this is dishonest, unethical and a violation to the Fair debt collection practice act. Please hold them accountable and keep them from doing this again in the future to other consumers.

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 2015-09-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I am replying to the response of Nationstar to the Consumer Protection agency. New laws have been passed recently to protect homeowners against predatory lenders,. that try to take properties from homeowners. Nationstar refused to take my checks sent in the total amount of {$11000.00} when I owed {$12000.00}. I should be allowed to pay this money to nationstar or be able to do a short term forebearance. I can pay my payment of {$1300.00} a month plus {$1000.00} extra every month until caught up. Nationstar is not helping me to catch up or to keep my home. I have senior parents living with me XXXX ahd XXXX. I need to stay here. P, kease check these new laws for me and try to get Nationstar to work weith me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
We have been working or a Short Sale for Select Portfolio Servicing for a Loan for XXXX Bank Loan No. XXXX for XXXX XXXX at XXXX XXXX XXXX, XXXX, Florida XXXX. We had an approval letter that expired on XXXX/XXXX/2015 we asked for an extension on XXXX/XXXX/2015 with a credit toward closing cost and provided how the roof has no life left and the plumbing needs to be all re done. 
We were told on XXXX/XXXX/2015 that it would be XXXX business days. Then we were today XXXX business days. We were contacted by a lady named XXXX from XXXX on XXXX/XXXX/2015 asking for changes to the HUD and saying we should have approval by Friday XXXX/XXXX/2015. We called each day and then on Friday we called and were told by XXXX XXXX at EX XXXX that a manager would contact us by XXXX EST. Ofcourse, this did not happen, we called back to be told by XXXX XXXX a Manager that the file for extension was declined on XXXX and that us resubmitting on XXXX/XXXX/2015 is too close to the short sale date of XXXX/XXXX/2015. I have had many files with XXXX and know this is how they do this. I advised them on a recorded line that they were going to pull this game. 

This is not working for the homeowners or for the best interest of the economy. You have a ready willing and able buyer to purchase a run down property and make it habitable and the Banks are not willing to proceed. 
The Offer on this property is XXXX with a Net to the Bank XXXX XXXX on a Loan amount of XXXX. I would say the numbers work on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc.
State: NY

Complaint narrative:
My client, XXXX XXXX, was a low level employee of the XXXX XXXX for XXXX XXXX in the New Hampshire officeXXXX XXXX was instructed by the XXXX to create an internet account with XXXX XXXX for the exclusive use of the XXXX. Thereafter, he called XXXX XXXX, used the XXXX 's credit card for payment of all fees, including future charges, and provided his name and phone number as XXXX required a contact person. 
Shortly thereafter, XXXX left the XXXX New Hampshire campaign. Over the past several weeks, XXXX has been hounded by an abusive debt collector even though she was apprised of the above facts. XXXX then contacted my office to represent him in this matter. On XXXX XXXX, 2016, a representative from McCarthy. Burgess and Wolfe contacted me, at first refusing to identify themselves. When I informed the McCarthy, Burgess and Wolfe ( hereinafter, MB & W ) representative to either identify herself or I would end the call she stated that the call would be recorded and that she was calling in response to a claim against XXXX XXXX. I informed the MB & W representative of the facts set forth above, told her my Client had no fiduciary responsibility for the Campaign and was no longer employed by XXXX and that she was to discontinue efforts to collect through my Client. She continued to press for information and I informed her that the debt was not my Client 's, he was not responsible and that she was to discontinue all efforts to collect through my Client. Lastly, I told her that should they initiate any proceeding against my Client, we would countersue. Thereafter, I ended the call. 
Previously, I informed MB & W of the above facts and informed them that XXXX XXXX would not be responsible for the debt as it was not his, and they were to discontinue all collection efforts through XXXX. I also told MB & W that if they had facts to counter my claims, they were to send those fact directly to me and discontinue all communications with my Client.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
In XX/XX/XXXX, I refinanced my FHA mortgage to XXXX XXXX XXXX. The refinance resulted in ARM of more that 10 %. My payment went from {$1300.00} to {$1900.00}. Within 4 months of the refinance with XXXX, I received notification that loans servicer was transferred to XXXX XXXX XXXX. In XX/XX/XXXX, I sought XXXX 's assistance and received a loan modification which converted my ARM to a fixed rate of 5.125 %. I had a hardship in XX/XX/XXXX and obtained a modification agreement requiring a trial period of 3 months. Due to another hardship in XX/XX/XXXX I obtained another modification which required a trial period on XXXX payments. I made the first 2 payments timely however failed to make the third payment by the due date. This was because my wages were being garnished at the time of the trial period. Nationstar returned the 2 payments. Later in XX/XX/XXXX I contacted Nationstar to ask if I could re-apply for a modification. I was informed that I was able to re-apply. I reapplied and was granted an in-house modification rather than a HAMP Tier I or HAMP Tier II. I was denied the HAMP Tier I because I received the maximum number of modifications permitted under the modification program. However, I dispute this because I was not granted a modification in XX/XX/XXXX due to my failure to make all the payments on time during the trial period. Further, I have concerns about the initial integrity of the XXXX XXXX XXXX. Lastly, I did not experience any reduction in my mortgage payment through any of the modifications offered by the lender.

Company response to consumer: Closed with explanation