vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
ON XX/XX/XXXXI SIGNED DOCUMENTS WITH NATIONAL CITY FOR A PIGGYBACK OR SECOND MORTGAGE TO PURCHASE MY FIRST ANY ONLY HOME.I WAS LATER INFORMED BY NATIONAL CITY THAT PNC BANK HAS MY MORTGAGE, I CONTINUE TO MAKE MY MONTHLY PAYMENTS TO PNC BANK WITHOUT ANY MONTHLY STATEMENT. I LATER RECEIVED A CALL FROM PNC BANK INFORMING ME THAT THEY WILL SEND ME MONTHLY STATEMENTS WHICH I RECEIVED.IN XX/XX/XXXX, I PAID OFF ALL LATE CHARGES AND PAYMENT DUE FOR THAT MONTH. I RECEIVED A PAYMENT BOOKLET IN THE MAIL AT WHICH TIME I CONTACTED PNC BANK AND ASKED WHY WAS I NOT RECEIVING ANY MORE MONTHLY STATEMENT. I WAS TOLD I HAD MADE PAYMENTS BEFORE SCHEDULED DATE BUT I WILL BE MAILED MONTHLY STATEMENTS AS I REQUESTED. THE WOMAN I SPOKE TO KEPT REFERRING TO THE MORTGAGE AS A HOME EQUITY LOAN ; I EXPLAIN TO HER THIS IS A SECOND MORTGAGE OR PIGGYBACK MORTGAGE THAT WAS GIVEN TO BE ALONG WITH ANOTHER MORTGAGE. ON XXXX XXXX ; I RECEIVED A STATEMENT IN THE MAIL. PMT AMT DUE {$31000.00}. LATE CHARGE {$3100.00}. PREV. LATE CRG {$260.00}. TOTAL AMT DUE {$35000.00} DUE XX/XX/XXXX.THE PAYMENT BOOKLET I RECEIVED EARLIER HAD PRINCIPAL BALANCE OF {$31000.00}. I CALLED PNC BANK AND WAS TOLD THAT MY MORTGAGE HAD MATURE AND I AM EXPECTED TO MAKE THE BALOON PAYMENT OF FULL PAYMENT.I ASKED WHY I WAS NOT INFORMED BY PNC BANK BY EMAIL OR MAIL OR WHEN I HAD CALLED ABOUT THE BOOKLET I RECEIVED IN THE MAIL? I WAS NOT GIVEN AN ANSWER OR EXPLANATION.WHEN I ASKED IF THE INTEREST RATE WAS FIXED OR VARIABLE I WAS NOT GIVEN AN ANSWER. I HAVE MY OTHER MORTGAGE WITH XXXX BANK I RECEIVE MAIL INFORMING ME OF CHANGES I MY MORTGAGE PAYMENT. WHY IS NOT PNC BANKING DOING THE SAME?. I HAVE BEEN MAKING PAYMENT ON THIS MORTGAGE FOR THE PAST 15 YEARS I DID NOT OWN A HOME WHEN I TOOK THIS MORTGAGE WITH NATIONAL CITY ; HOW COULD THIS BE A HOME EQUITY LOAN? I AM REQUESTING HELP BECAUSE THIS DOES NOT APPEAR RIGHT OR LEGAL. WHEN I WAS PURCHASING MY HOME I WAS VERY EAGER TO OWN MY FIRST HOME AND DID NOT PAY ATTENTION TO THE FINE PRINTS AND WAS NEVER INFORMED BY PNC BANK OVER THE YEARS OR AT ANY TIME THAT MY MORTGAGE HAD A MATURITY DATE. I NEED HELP PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was forclosed on my home and I did not get the support from HARP and I had several XXXX party agencies helping me. I had the home up for short sale for a year with a buyer at the onset of the foreclosure notice and the bank ignored it and gave me the run around. The home was foreclosed on and HARP did not compensate me with relocation funds and ignored all faxing and documentation that I complied to. This situation was an unlawful and harmful situation not only to my self ( now XXXX and mental strain caused by the situation at the time. my credit is distroyed )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My father passed away on XXXX XXXX, 2015. There is a reverse mortgage on his home in Arizona. I notified Champion Mortgage of his passing and provided a copy of the death certificate and will. I noticed them of my intention to payoff or potentially sell the home. I have requested from them payoff information and copies of documents. The only thing I 've received from them is a XXXX % of Current Appraised Value Loss Mitigation Option Acknowledgement. I was told that it would take 72 hours to process and provide me with payoff and the requested information. We are now at 10 days and I still have not received the information. I 've made several calls trying to speak with the same person I first spoke to ; I 've requested calls back from that person to no avail. They are completely unresponsive. One person will tell me they can not correspond via email ; another contradicts that. I 've been recording the calls since they are recording me and have talked to XXXX different people and not one has been helpful. Mostly I get put on hold for lengthy periods. This company is the worst. I am at a loss to know how to proceed at this emotional time. I simply need to know what the legal rights are for my sister and I and how to proceed to payoff/or sell. I actually went on-line and read the feedback on Champio Mortgage and it 's frighteningly negative. This is XXXX XXXX and I was led to believe I only have until XXXX XXXX to act or this company can begin forclosure. That 's not what my father would have wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc.
State: CA

Complaint narrative:
An account with XXXX was opened fraudulently using my name and social security. This is the 2nd time that my information has been used fraudulently by this person. First with XXXX and now with XXXX. As a California resident I am entitled to the original documents that were used to obtain this account ( XXXX ). I called XXXX and spoke to XXXX on XX/XX/2017 from the fraud department, who said since he was in Colorado that request was invalid. I advised him I was in California and do have the right to make that request. I was looking to send the request in writing. But XXXX refused to provide me an address. I requested to speak to a manager. After waiting 20 minutes i was transfered to a voicemail. I feel that my rights have been violated. I am planning to go to the media with this breach of rights. 

The fraud activity was noticed in my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Homeowner is currently foreclosure and, by and though his XXXX counselor, XXXX XXXX XXXX, has submitted a completed loss mitigation package. In XXXX XXXX XXXX XXXX confirmed with Nationstar that a full and complete modification packet had been submitted. On XXXX XXXX and XXXX XXXX, XXXX XXXX contacted Nationstar to re-affirm that the loss loss mitigation was complete and under review.Meanwhile, the foreclosure sale had been reset seven ( 7 ) times in anticipation of Nationstar making a decision on the loss mitigation application However, before Nationstar informed Homeowner whether he was approved for a loan modification to reinstate the loan, Nationstar informed Homeowner that the loan was transferred to Sharepoint on XXXX XXXX, XXXX. Homeowner has since been advied that the will need resubmit his application for a loan modification to Sharepoint. Because of Nationstar 's blatant disregard for the servicing loss mitigation rules, Homeowner is at risk of losing his home. Furthermore, Nationstar failed to advise client or his XXXX Counselor as to whether Homeowner was approved or denied for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
Nationstar is our mortgage company ( Loan No. XXXX ). They send information on sharing our personal information with affiliates, etc. along with opt out options as required by law. But perhaps on purpose they make the process needlessly hard. Their phone option ( calling XXXX ) does not work because this is a general number with automated options, where opting out of sharing private information is not even a choice. Resolution of problem is they should be made to make opting out easy as per the spirit of the law ( that they seem to want to undermine. ) We wish they could be penalized to discourage playing such games in future and wasting our time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Had a storm loss on our home, received a check from Insurance carrier to us and bank. 
Bank is stating we have to endorse and send to them, hire a contractor, get proof of his insurance and have him sign a w-9 ( for each contractor ) than have bank send out inspectors before they will release $ .I want to do allot of the repair work myself, as I am skilled in construction. They said I can not!!???? I asked to speak with a manager, they would not let me, I had a XXXX send them a letter, they have ignored so far with no response to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
The company did n't contact me by phone at all for a bill that is now reported in my credit record. I had some previous bills that was with the same company and i used to have really tough phone calls with threatening of reporting and not resolving. my main problem now is that they report a claim which I had no problem to pay it on time if they called me. I just settled all my debts with this company by calling them around 3 months ago. the company suddenly reported failed payment for medical bill without contacting me with previous knowledge where I am and my situation from previous experience. please advise if I still have to call them and accept what they say to remove the collection while it is still there in the removed collections or I have any rights to dispute this claim for not contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Loan Owner : : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Series I am repeatedly denied requests for loan modification by Loan servicers due to language in the PSA 'Loan owner does not authorize loan modifications ' Loan owner XXXX backed XXXX , XXXX XXXX XXXX XXXX for XXXX Mortgage pass through certificates '. All historical and current servicers ( XXXX, XXXX, XXXX and SPS ) of my mortgage that originated in XXXX by XXXX indicate the same. None of these servicers have contacated XXXX XXXX backed XXXX on my behalf requesting a waiver allowing me to modify my mortgage. When i contact XXXX XXXX, XXXX as the 'trustee ' they indicate that they do not have the authority to provide permission to modify my loan and refer my back to the service. the servicers will not provide me with contact telephone number nor contact name at XXXX XXXX backed XXXX so that I can reach out on my own behalf. the last filing of XXXX XXXX backed XXXX XXXX was in XXXX with the SEC. I have been informed by historical servicer that my loan was not propoerly securitized and that there is evidence of fruad. XXXX XXXX backed XXXX is a subsiduary of XXXX. My current servicer is Select Portfolio Services ( SPS ). My loan note and mortgage still indicate that XXXX as the originator from XXXX even though XXXX ( aka XXXX ) is no longer in business. XXXX and XXXX were purchased by XXXX. XXXX was dismissed as servicer by XXXX XXXX, XXXX in XXXX at which point i was tranbferred to SPS. Loan # 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 2016-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XXXX issues : 1. Took additional month payment and booked against " Principle '' not " Payment '' so stated online and in automated phone system I was delinquent, when in fact I was ahead of schedule. There is no option to allocation additional payment to your chosen category 2. I decided to pay bi weekly instead of monthly. They hold that bi weekly payment not applying to your account/principle/payment until a full months amount is recieved. Therefore they garner interest on that cash for thier business while charging me interest on the partial payment I have given them, but they do n't apply to my loan 3. When attempting to reach thier " Equity Acceleration Team '', to discuss the mechanics of a bi weekly payment, I was kept on hold 45 minutes between XXXX different customer service reps. I was then told when the rep tried to reach the Equity Team they get disconnected. Therefor I should call back. Basically they are either not staffing thier service lines during working hours, they do not resolve technical problems, or they do not answer on purpose. There are numerous reviews from others stating this happened to them. This is a tactic to delay the bi weekly payment option therefore mitigating the chance that I reduce my principle faster which would reduce NationStar 's interst/earning on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I fell for a scam on the Internet. I was supposed to be a collection agent for a XXXX manufacturer. They sent me a check and advised me to deposit in BB & T bank. I did. After ten days the bank assured me that the check had cleared to bank and not to worry about it. 
I transferred {$28000.00} via wire transferred to a third party. Now the bank is holding me responsible for a mistake that they made. They put a hold on my wife 's account that had {$3500.00} in it. 
I 'm XXXX years old and have no other income than social security. They had no legal right to hold me responsible or to put a hold on other family accounts. I need to have my money released. Please take care of this matter ASAP. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I lost my job in XXXX 2015. From XX/XX/XXXX - XX/XX/XXXX, I received unemployment and continued to make my monthly mortgage payments. I applied for a mortgage modification ( unemployment forbearance ), on XX/XX/XXXX, when my unemployment payments were about to end. After 3 months of numerous requests for additional documentation, including requests for duplicates of documents already submitted, my application being sent to the underwriters at least 3 times, and numerous harassing phone calls, I was denied, without explanation of why I do not meet the requirements ( though I asked ). I am still unemployed, and now have no income. It seems to me that Nationstar is deliberately trying to await a default on my loan so that they can foreclose and take my home from me and my family. I am qualified for the Unemployment Program, and that could mean I would pay no payments for up to 12 months, which would greatly help me. My mortgage is paid up to date, yet I continue to receive harassing phone calls from Nationstar Mortgage, including calls with hang ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My mother passed away XX/XX/XXXX, at that time her Nationstar Mortgage account was past due {$1500.00}. In XX/XX/XXXX a cashier check and XXXX money orders were sent to Nationstar in the amount of {$1600.00} with a letter from my Attorney. They applied {$800.00} and I requested they research the other {$800.00} since no one was able to tell me where this money went. We sent proof of payment with copies of the money orders and the cancelled cashier check. Payment was sent monthly to Nationstar but unbeknownst to me the payments were short ( XX/XX/XXXX - XX/XX/XXXX ) but cashed by Nationstar. I discovered through calling the money order company " XXXX XXXX '' that the Money orders sent with the cashier check in XX/XX/XXXX were returned to them. The XX/XX/XXXX payment was also sent back to the XXXX order company. The payments for XX/XX/XXXX - XX/XX/XXXX were returned to my address and I received a Foreclosure Notice. The statement due on XX/XX/XXXX was for the amount of {$5000.00}, I submitted a payment of {$5500.00} through Certified Mail on XX/XX/XXXX. They did not apply this amount to the account and returned the checks to me on XX/XX/XXXX indicating this was insufficient amount and that {$6000.00} was due. The next payment is due on XX/XX/XXXX, the statement amount is {$5900.00}. I have tried to make the payments to Nationstar Mortgage, tried to contact the Assigned Foreclosure Prevention Specialist XXXX XXXX several times but this person has only returned my call once and he left a message. I have spoken with him once. Each time I have called Nationstar I have gotten a different story as to how much is owed, where to send it and if the account is still active. I need assistance with getting this account current. 

Any assistance you can give me would be greatly appreciated. 

Thank you, XXXX XXXXcell XXXXhome XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IA

Complaint narrative:
Paid off mortgage with SPS Select Portfolio, Account number XXXX. Loan was paid and closed on property, XXXX XXXX, XXXX, IA XXXX, loan paid off as of XX/XX/2016. Escrow funds have not been returned. We have not been able to get anywhere with calling their customer service. We since then, have purchased another home, and will be moving again and just want our funds back that they owe us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My attorney XXXX XXXX sent Nationstar Mortgage a letter over a year ago demanding them to itemize everything from when I cured the default because they claim I still owe {$600.00} for leagal fees they claim they paid. I cured the default and the loan was assumed. My attorney XXXX XXXX said the amount I paid to cure the default included all fees and peneltys so he was curious as to why out of the blue I owe {$600.00}. XXXX XXXX sent Nationstar Mortgage a letter demanding they itemize and prove I owe the {$600.00}. It has been over a year since he sent that letter and Nationstar has not responded. 
My father died nearly 3 years ago, I sent them a death certificate right after he passed in XXXX, in XXXX I get a letter from them saying they just found out my father passed and wanted to know who was handling his estate?????? 
That 's just it there is no estate of XXXX XXXX XXXX, it was handled years ago by XXXX XXXX and I. How many times do I have to prove it??? 
Nationstar is a horrible company that does not respond to Letters from attorneys and obviously cant file documents I have sent 2 different times. 
I have filed a complaint here on this site in the past for the exact same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX, I refinanced my mortgage with XXXX for XXXX. On or about the end of XX/XX/XXXX, we fell delinquent on our mortgage. My wife and I applied for assistance with the State of Pennsylvania, our application was approved and XXXX brought our mortgage current. At the time, we signed a note for approximately {$28000.00} ( which I am currently repaying ) and it is my understanding that this brought my mortgage fully current and my balance with XXXX was now {$220000.00}. Within 30 - 60 days of bringing my mortgage current, the loan was sold to Select Portfolio. Soon after Select received my mortgage, my mortgage was current but they contacted me to tell me that it was their policy that my property taxes and homeowners insurance would need to be escrowed. My wife and I were fine for several years, I was not delinquent but I am not sure that an escrow account was established as there was no change in my payment. In XX/XX/XXXX, my daughter passed away. I was on a fixed income and I was responsible for yet another funeral and I decided to contact the mortgage company to see if there was anything I could do to reduce my payment. Over the phone, the specialist was able to reduce my mortgage to {$230.00} from {$1500.00}. That is the amount that we began to pay on or about XX/XX/XXXX. I was under the impression that Select had established an escrow account and this was my payment. My wife died in XX/XX/XXXX, in XX/XX/XXXX, I received a notice that Select Portfolio needed to modify my mortgage because the escrow account was behind XXXX dollars. This was the first I knew that the escrow was behind. The balance of my mortgage went from {$220000.00} to {$250000.00}. They did help me modify the mortgage and my principal and interest payment is now {$330.00} and the escrow was approximately {$400.00} bringing my payment to approximately {$740.00}. I did not understand why my mortgage payment steadily increased though apparently it is the result of my escrow continually increasing. My question is how is my mortgage balance increasing when I am making my payments. In XX/XX/XXXX I received a call from a company called XXXX FL XXXX. According to a gentleman named XXXX, they had evidence my mortgage company Select Portfolio was mishandling my account and that if I could pay a fee of {$1500.00}, I would have the deed to my home free and clear. I was able to pay them {$400.00}, but they could not help me if I did n't pay the rest of the funds. I sent them my statements from both XXXX & SPS for that time period. Is it possible that there is a violation? I have not heard from XXXX since that time. I really just want to understand what has happened and if the balance of my mortgage is correct.

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