vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Borrower suffers from XXXX and has been through a grueling process to try and keep his home. Now, he is in a short sale and we were able to obtain an all cash non-contingent offer at a price we believe is more than what the banks own BPO came in at. Nationstar has been made aware of the borrowers medical condition and how the stress of the process continues to affect him yet they have not responded to the offer stating the borrower has to list his home on their auction site and go through an auction process to " validate '' the sale to make sure they are receiving an offer that is in line with fair market values. We have asked the bank to provide us with a copy of their own BPO or to tell us what the BPO came in at and they will not. In addition, strangers came to the property today and knocked on the door stating the property was listed online as going to auction today. When I called the bank, the bank said they have not scheduled the online auction and did not provide a time frame. I have checked with foreclosure advocates and attorneys and a few of them had said that Nationstar has not made this a requirement for ALL borrowers and the fact that the borrower informed them in writing of his medical situation and his disagreement with having to be placed in an online auction should have been enough for Nationstar to provide him with an exception to the online auction like they have done for other borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We would like to pay off our mortgage. Sent what should have been final payment according to our statement which included {$600.00} over the amount due for that month which should have paid our balance principal and it was credited to the impounds rather than principal. Since we were so close to paying off the mortgage, in the 3 months prior we had made exactly the same payment in exactly the same method and they credited the principal correctly. We have both been calling requesting it to be fixed, telling us we would hear back within 7-10 days. Then we receive the next month 's statement, still not fixed, no reply back on the email, no calls that it 's been corrected and no record of our previous calls or requests for the situation to be fixed. 

In speaking with the operator this morning, I requested to speak to a manager. After being left on hold for an amazingly long period, she comes back on the line, assures me that she will take care of this and call me on Monday but that the manager is on another line and will not take my call. 

It 's like they do n't want us to pay off our house and we absolutely can not reach someone in the US to save our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
Bank issued counterfeit bills and refuses to thoroughly investigate the issue to prevent reoccurrences and make the claimant whole again. The bank in question is the BB & T bank in XXXX, Virginia.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I received a letter from McCarthy , Burgess & Wolff, their reference number is XXXX. They are representing XXXX. I have never done business with that company. McCarthy, a debt collection company, claims that I owe XXXX I called them and told them that I did not do business with this company and that I will not pay this bill as I have never done business with XXXX. I continue to receive letters From McCarthy , Burgess & Wolff. Whom ever incurred this debt in my name is a criminal and the victim, XXXX, should file a police report in the proper jurisdiction. I am not responsible for this charge. 
Respectfully, 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 2017-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
My wife and I have a FHA mortgage with Nationstar. We have met all of the requirements as of XX/XX/XXXX to remove the mortgage insurance from our loan. I submitted a request in writing and Nationstar acknowledged the request, but, as of XX/XX/XXXX I have not heard anything from them and they have not dropped the mortgage insurance from our loan. My attempts to follow up with them have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
What has not happened. I mail payments and they post weeks later. I get statements that say a balance due of XXXX amount and then customer service tells me another amount. They cant explain why. Today I get on the phone to ask a question about my escrow analysis that was done XXXX/XXXX/XX/XX/2015 which decreased and I have been on hold so far XXXX hr and XXXX minutes, transferred XXXX times, verfied my account all XXXX times and STILL waiting on help. Nationstar purchased my account and ever since they have had it, it has been a nightmare. I get charged {$63.00} for a PMI " insurance '' that I have requested to drop and no one can assist me on this. Why in the world do I make monthly payments to this company and can not get helped ever. Just FYI I am still on hold and it has now been XXXX hr and XXXX mins. Still on the phone XXXX hr XXXX minutes and no solution. Please help what can someone do who never choose this company to be their mortgage holder in the XXXX place ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I applied for a home loan with quicken home loans.Quicken chose XXXX XXXX Appraisals to do the appraisal of XXXX XXXX XXXX XXXX XXXX XXXX Cerification # XXXX did the appraisal and stated XXXX Square feet causing my loan to fail. Quicken chose this appraiser and I paid XXXX dollars for a bogus appraisal. I had no part in choosing this appraiser and should not be penalized for her errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI

Complaint narrative:
I XXXX. I have been working on this short sale with Select Portfolio Servicing since XXXX 2016. They keep telling me that a form ( XXXX ) needs to be completed. I sent them the completed XXXX form several times. Today XXXX/XXXX/16 they are saying that the form is old. I have a buyer that is living in a hotel since the XXXX this month that is threatening to cancel. The seller is XXXX military that just wants to sell.

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 — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing in response to recent conversations with Select Portfolio Servicing, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. For the past XXXX years, I have been in dispute with SPS regarding a Foreclosure Action that commenced in XXXX, at which time XXXX was the Servicer. SPS has adamantly refuted that a foreclosure action previously occurred and the foreclosure action did not commence until they initiated the action, XXXX XXXX. There are numerous phone calls, discussions far and in between the past month. 

I spoke to XXXX XXXX of Select Portfolio Servicing Advocacy Department, XXXX XXXX, XXXX. XXXX XXXX advised that she would be sending out a response letter stating that SPSs position remains the same regarding the on-going dispute that a foreclosure action occurred in XXXX. XXXX XXXX also asked what my intentions were with the property and questioned why I was not evicted if the property was already foreclosed upon. For more than two years SPS has denied knowledge of the mortgage servicing deficiencies that were unresolved prior to XXXX XXXX XXXX transferring the servicing rights to SPS, XXXX XXXX. Yet, SPS and its third party Attorney, XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX, now known as XXXX XXXX XXXX attested to having full knowledge of the information filed with the XXXX Courts XXXX XXXX XXXX, Maryland and Maryland XXXX XXXX. 

I am vexed at SPSs repeated failure to acknowledge my inquiries and questions regarding the unresolved mortgage servicing deficiencies that were initiated at the commencement of the foreclosure action in XXXX, which resulted in the purchase of the property XXXX XXXX, XXXX, by the alleged secured party, XXXX Bank, XXXX, NA, Trustee for XXXX XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX. The trust is in fact governed by New York XXXX XXXX. At the time of the commencement of the foreclosure action the note had not been assigned to the trust. In fact, the note was transferred to the securitized trust XXXX XXXX, prior to XXXX XXXX XXXX transferring servicing to SPS, XXXX 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 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
There is a late payment reporting on my mortgage loan Nationstar Mortgage. That late is the one that was n't my fault. I gave them my account info for that months payment and an auto set up for the next month. They got it right for the auto payment for the next month but somehow did n't get it right for that month. But it was on their end not mine. I did address and it was to be corrected and the remark still has not

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been approved for a loan modification by the Servicer SPS andthey continue to foreclose on my family even after I have reached out tothem several times for help. They are clearly ignoring our cries for helpalthough we have qualified and have been approved for a loan mod. 
I have spoke to several different reps ( XXXX in all- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX @ XXXX XXXX XXXX @ XXXX and XXXX @ XXXX XXXX ) All of them gave me the run aroundevery time I called and they said that the foreclosure would be stoppedand that I would not lose I home because we qualified and they weresending the approval by mail which has not arrived yet. However theTrustee sale is set for Monday XXXX XXXX, 2015 by XXXX XXXX who I also called to request help and all they saidwas to file bankruptcy which is the only option they claimed I hadto save my home. I am very frustrated and scare about the foreclosuresale date and have not been able to get anyone to confirm the stoppageso I still face losing my home on Monday. I need help to stop theServicer from foreclosing on my home. They have negligent and abusivetowards us and now they want to steal our home and kick us out onto thestreet and be homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
Hi, My name is XXXX XXXX I have a car loan with BB & T Bank ( XXXX # XXXX ) and It looks like the interest payment amount keeps going up instead of going down every month. I thought interest payment should decrease over time and monthly payment applied to Principal should increase. However, payment applied to principal keeps decreasing every month. 
This Bank is going opposite I need help.

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 2015-08-16 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I received a letter from Champion. mortgage, dated XX/XX/XXXX titled mortgage due and payable notice, in total it stated the mortgage was in default due to non-occupancy of property as principle residence, with balance due in 30days from the dated letter. I have lived in my home for almost 45 years. I have had a reverse mortgage since XX/XX/XXXX. This year I have completed and submitted the annual occupancy certification three times. I have never left my home, I am XXXX and do not travel. I received letter dated XX/XX/XXXX from champion mortgage company stating they had denied my request to return the property by completeting a deed in lieu of foreclosure,, which I never requested, or submitted, I have been in almost daily contact with champion mortgage and I do believe they are trying by fraud to take my home. I have a lot more information, please contact me.. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I have Nation Star, and yes I pay on the grace period date, but they would call my place of work and I was not technically late. Just very embarrassing when at work and everyone can hear your conversation. I have redirected them to call my cell phone. But they call non stop again it's before the grace period is up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I inherited a house years ago and the banks did not keep up with the paperwork. I did not know anything. Thought the house was free and clear according to probate court. Now I try to get a loan and can not. Have not been able to to find anything on who is servicing this old mortgage so I can get it released. 4 companies so far and no ones has it. I am tired of the run around and mortgage companies being able to do what they want and leaving people helpless. They need to be filing proper information like everyone.

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 2016-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
Fees charged are excessive are fraudulent. BB & T sent an email showing an item was unpaid, it was a CC payment. Looking at the statement it showed that another bank had removed funds and it failed by a few cents. I immediately put in another CC payment for a lesser amount so that the bill was paid on time. That transaction also failed so once again I put in another payment, that XXXX failed also. Come to find out the original email was wrong, the XXXX item was paid. This caused fees to rack up and for me to suspend any future deposits to the account. When I sent BB & t a message regarding these failures on I did n't receive a reply until weeks later and it was a typical canned response. I do not understand why you ca n't do the right thing for your customer and work with me. Also please communicate via email or if you must via postal mail. I do not have time to do the run around on the phone as I have a XXXX month old daughter that I am taking care of. I attempted to resolve this with them but they are n't budging and have reported the account to XXXX. All that was needed was a reversal of the fees charged, this is n't money they earned its ridiculous fees they made up. Had the original message been correct then the other fees would n't have occured in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
I have case number with CFPB already ( XXXX ) and I still waiting for a resolution. My complaint is with Nationstar Mortgage in XXXX, Tx. They are now giving me less than 30 days to pay a payment of {$770.00}, which is for the remaining escrow payment they never informed me about until they sent me certified letters threatening foreclosure on my home back in XXXX 2015. I paid back half of what I owed from that time which was {$1100.00} but they refuse to work with me and continue to tell me wrong information. Such as. I setup a repayment plan in XXXX to pay back money they did not disclose to me. In XXXX. I asked for a month extension only to be told I was never approved to do a repayment plan. I am a senior citizen and have lived in this home for 39 years. I am on a fixed budget and can not come up with fund at a drop of a hat. Nationstar continues to take no ownership in this problem. I assume that if I do not pay the {$770.00} by XXXX XXXX they will again start foreclosure on my home. I need help to save my home. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
I made a repayment contract with Nationstar Mortgage , LLC XX/XX/XXXX, as I lost my job in XX/XX/XXXX and fell behind. I have paid {$150.00} extra ( per our arrangement ) every month since XX/XX/XXXX for a total of {$890.00} but none of my extra money has shown on my payment history. I keep getting threatening phone calls and letters with none of them referring to the repayment plan letter sent to me. I need Nationstar to show & apply these extra funds to the principal of my account as well as fix my credit report they keep reporting to as I am delinquent. I also need them reported to the governing body of mortgage banks as they are disreputable and should be investigated. It took them 14 months to approve my mortgage modification loan and then did it for 40 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My name is XXXX XXXX. My husband, XXXX XXXX, passed away on XX/XX/XXXX due to a XXXX. I am on Social Security and XXXX. I have been raising my Grandson since he was an infant. Nationstar states that I can not be granted a loan modification because I was granted a loan modification in XX/XX/XXXX. That modification was granted to my husband, and not me, as I have only assumed the loan recently, and after his death. My Nationstar loan is set to go up yet again in XXXX, XXXX. I am barely keeping my head above water as-is, and Nationstar states that I would have to go late on my mortgage to be reviewed for modification. I find it unfair that I am being punished for making my financial obligation to Nationstar my XXXX priority. From what I understand, my income qualifies me for a loan modification and I, personally, have never been granted a loan modification as I was never on the loan prior to my husband dying, so there denial of my last assistance request is unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
While I was in bankruptcy from XXXX to XXXX I had my Mortgage modified to 2 % and was making payments of XXXX. After some time NaitionStar bank pulled the modified terms claiming the the person who did it did not work there then they said she was not authorized. Clearly someone authorized it and the banks computer system was taking my modified payments. I ended up making several payments over XXXX during my bankruptcy. I ran into financial trouble and missed some payments and was under the impression that because I was in bankruptcy I was not required to make payments. When I tried to pick up on the payments I was told that was not enough. So since the terms and interest rate was changed for 2 % to 7.875 % there have been XXXX thousands of interest over charges and the told me I had to pay {$250000.00} when the principal balance is only XXXX At any rate I am going through another modification attempt to reduce the balance and make the payment amount 30 % of my current income. I have been granted a Trail payment plan for XXXX from XX/XX/XXXX to XX/XX/XXXX I have submitted all the required documentation to reapply for the FHA HAMP modification program. The websites states it could take up to 30 days for NationStar to process. However I was told by XXXX XXXX around XX/XX/XXXX that they will do nothing until all XXXX trail payments are made. He also told me the loan terms will stand as is and not change. So they have clear blatant disregard for the HAMP program and have no intention on modifying my loan terms as it could be under HAMP. 

Attached are approval letter for the Trail payment, screen shot showing they have all required docs for the modification, Mortgage statement showing a minimum payment over {$260000.00}, And a Nationstar screen shot showing the principal balance with the raised interest rate of 7.875 %

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Nationstar mortgage i feel like is harassing me.Im not even 2 months behind they sending me different amounts saying they are going to foreclose

Company response to consumer: Closed with explanation