vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NH

Complaint narrative:
I have a trial period of loan modification HARP. My mortgage was sold. Mortgage company will not send a statement. I sent my payment to the address on time. They will not acknowledge my modification, and take my payment and wo n't apply to loan. they say I 'm 49 days overdue. It is absolutely impossible to get a human being on their telephone, you can go around in the same circle for hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
My mortgage raised my monthly payment. XXXX furnished a statement on XXXX/XXXX/2015 showing an interest rate of 2.625 % and a notation that the Interest Rate is good until XXXX/XXXX/2015. Then the following month they sent another statement dated XXXX/XXXX/2015 that raised my interest rate to 2.75 % and a notation that the Interest Rate was good until XXXX/XXXX/2015 and increased my payment from {$1400.00} per month to {$2500.00} per month. 
I called the loan servicer to let them know of the error and they told me to disregard the XXXX/XXXX/2015 and to make the payment {$2500.00}. I told them they were the one that generated the statement and they said to again disregard the XXXX/XXXX/2015. They did not want to help in this matter and again, just stated to disregard the XXXX/XXXX/2015 and make the new payment. I feel that Nationstar Mortgage should be consistent in their notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I sent a check to pay my Citibank credit card bill in full, {$13000.00} and the check was cashed on XXXX XXXX and cleared the bank account on XX/XX/XXXX. As of today, XXXX XXXX, Citibank can not find the check and has not applied the amount to my account. 

After 5 calls from me and 5 calls from XXXX XXXX company, the company that sent the check, we have been stalled, asked to supply various details ( check number, account, etc. ) and have on multiple occasions with no resolution. Citibank hung up on me today when I called again for a follow up and answer to the issue of where my money is. 
This is unacceptable. They need to be able to find that check and respond in a courteous and professional manner. They are unwilling to call me in a proactive process and instructed me to just follow up in 72 hours for an update. 

NOT GOOD!

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 2016-04-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI

Complaint narrative:
SPS ( Select Portfolio Servicing ) sent me a letter making claims regarding my case. The XXXX claims that they made were erroneous. The letter appears to be a threat of impending eviction.

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 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX Dob XXXX/XXXX/1962 Please remove the security / fraud alert from my credit profile, I never asked you to place this on my credit profile. It is illegal to place things on MY PROFILE WITH MY PERMISTION!!!!! 


XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Universal Account Servicing, LLC
State: IL

Complaint narrative:
I signed up for the real estate investor 's education with XXXX. XXXX has a relationship with the Universal Account Servicing ( UAS ) to finance the tuition. When I got the call from UAS asking me to verify my address, I told them to send it to the address they received from XXXX if they are associated with them. 
I received XXXX letters dated XXXX XXXX ( please see the attachment ). The first XXXX had the privacy policy. 
The second letter was dated XXXX XXXX, but the first payment was due on XXXX XXXX. 
The first bill received on XXXX was for the period of XXXX to XXXX ( 13 days ) and it already had past due amount of {$200.00}, interest charged {$35.00} and payment for those 13 days also {$200.00}. There was the new amount on the loan too. 
When I called them on XXXX to talk to them thinking without any doubt that they will correct all these errors on the spot, I was in for a big surprise. In a very impolite and unprofessional manner, they refused to correct anything, they said that the charges are justified and that they are in business of making money on charges, so there 's no way they will wave any of them even though it was the first bill. It is important to mention that they 're calling me every day several times, from early in the morning, while I 'm at work, but when I call them back, they are very uncooperative ( I have also attached the list of their calls ). I tried calling several times asking to talk to different people ( XXXX ext XXXX, XXXX ext XXXX, XXXX ext XXXX ), but I was never able to reach these people at these extensions. The last time I called and they told me they are recording the conversation, I said that 's a good idea and I will be doing the same because they are so unprofessional and not very knowledgeable in my opinion, and they simply hang up on me. I wonder how legitimate is this business.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NM

Complaint narrative:
We are waiting on a modification so that my mother and I can assume the loan. We completed the package and we did not get an answer from the company. XXXX. I have had some mail returned by the post office, like for court dates or for the Human Services Department for Medicaid or XXXX. The post office at my home is staffed by people who change every couple of months and the issue restarts, misdirected mail. I recently came back to my home and I was alerted that the mortgage is not going to honor their modification/assumption workout and instead has filed a notice of completion of briefings and demands foreclosure by summary judgement. 
We did all the company wanted, we can afford the house, we receive income, and we just made the payment, I am including the statement of the Escrow company who is taking the payments for over two years, which is really, credit worthiness to so good on the loan, however, the interest rate and the legal fees and interest that the company alleges is due make the loan so inflated! The rate is XXXX points higher than ( high cost ) the prevalent rates and my mother XXXX XXXX is dropping all her social security ( SSA ) income to make the payments at the demise of all her other bills. I was helping until I got physically incapacitated to work ( letter from doctor ) and I am better, I will be able to reintegrate to the workforc soon, XXXX. I am asking for XXXX accomodations on the issue or response, I was XXXX. Instead of reaching out to us, via mail, phone or else, the bank filed a completion of briefings and demands the court to foreclose. We are occupying the property, keeping the lights and heat and water and repairing it and maintining it and we want to keep our house, please do not let this house go to the XXXX investors, this is an owner occupied home, please help us to decrease the blight eyesores in the neighborhood that depressed values and that contributed to our inability to refinance in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX since the property was and still is underwater. we just made the payment and will include proof of that. We put the property in my name as per request of the bank so that they will grant the modification, we did all they wanted. I will include the XXXX payments I will soon receive through the division of vocational rehabilitation which I qualified for and the social security of my mother, our tANF assistance for my minor child, SNAP and all again, if they wish, current statements but keep us communicated, now word from the bank about a modification and they filed in court a completion of briefings, what is that??? Let us keep my mother and I ( XXXX and XXXX XXXX XXXX XXXX ) the home that we are living in and raising a family with minor and XXXX kids

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have been dealing with my mortgage company for 7 years. The problem first started when I lost my husband. He was killed XXXX, whilst in the XXXX and the guy/people that originated my loan are in Federal prison for predatory lending. My loan was originally with XXXX and then bought out by XXXX. Who then illegally foreclosed on me and I went to court and got a judgement in my favor. In the meantime I had to close XXXX because my daughter was diagnosed with XXXX and I had to work with her. I still receive my VA benefits and Survivor benefits to afford my mortgage. When the housing market crashed I initialized a modification with XXXX, it took two years of submitting documents. I also was n't allowed to make payments during this time. So my past due kept going up. Also my original loan balance was going up too. Finally they had all my papers together and I was in underwriting and on the final day they sold my loan to Natiionstar. They told me I had to do the whole thing over again, which I did that has been going on for two years. So it started at XXXX and now is XXXX and they having me owing {$300000.00} in fees and paments and XXXX in escrow arrears. They wo n't send me copies of the fees I owe or the original note or XXXX. Statements or Countywide documents or anything I request actually. I am a XXXX widow and have my late husbands daughter who is XXXX. This is the only home she 's known and I got completely messed over with my original loan. I feel like I 'm being walked over and I ca n't get any answers or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
Nationstar Mortgage has not issued a subordination agreement which they are required to do. The client qualifies for a new first mortgage and needs a subordination agreement from Nationstar for his 2nd mortgage so he can refinance the 1st mortgage. XXXX XXXX will save over {$200.00} by refinancing. We sent the request on XXXX/XXXX/2015 and followed up with other required info on XXXX/XXXX/2015. We have not received anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: E. A. Uffman & Associates, Inc
State: LA

Complaint narrative:
EA Uffman & Associates CSD CollectionXXXX XXXX, LA XXXXXXXXCheck my credit ( causing another inquiry on my credit report ) that I never approved. I want them to recant that and no longer be allowed to use my credit info in any capacity not only do I not owe then anything but I have not applied for anything from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
issues for years : Problem now will not show me how last payment posted always some kind of fees to make my 'Unapplied balance '' disappear. 
, I think at some point converted loan type from original XXXX, convention fixed rate to interest bearing loan '' done by servicers. that is why money is not correct, balance not going down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
During my first attempt to refinance with with cash out from my current mortgage holder, my information was submitted incorrectly to underwriting. I did not have access to neither was I able to view/authorize any of the information submitted on my behalf. I have no idea if my application was submitted for a FHA or a Conventional loan. Upon being denied after a more than 30 day process, I questioned the submission of my application. A representative of the company mistakenly stated several things requested on my application that I did not request. When I began to question this incorrect, I was told he could n't speak with me any longer regarding my application. When I requested a copy of mu application I was told, an application was never submitted on my behalf. Additionally, I never received a good faith estimate ( GFE ). 
During my second refi attempt with the same company, the process was going smoothly and my existing loan was at the point of being verified and paid off. My information was submitted correctly this time around, however when I began questioning the incorrect processing of my initial refi attempt things took a turn for the worse and I was denied again. I am positive my income to debt ratio is more than qualified. They went to the extreme of telling me none of my income from my full time job would be accepted. 
I have all of this information documented through email exchange and will attach them to this complaint to explain what happened in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I got approved for HAmp modification and partial claim. 
XXXX trial period they stated was for 4 months from XXXX/XXXX/2015 thru XXXX/XXXX/2015 but, pmnt wa XXXX $ XXXXper month. problem was they continued to leave the normal pmnt of {$1400.00} per month and this diference of {$220.00} was going to be put on my credit as 30 days late based on the 4 months trial period I would have been late 120 days late. I discussed it with loss mitigation and they stated I could pay for the trial period up front and thee would not be any latenesses. 
Unfortunately Nations Star has done this to thousands of persons. I you are XXXX pmnt behind on your mortgage and request a modification under hamp that means your credit will reflect anywhere between XXXX pmnts late and that will result in a foreclosure plus all legal cost among other things. heavens knows how many forclosure they have created. nations Star is a servicer/collector and has been scaming people. 
They took my 4 months pmnt and never added my XXXX scrows to my account. then they added a interest of {$2000.00} XXXX and reverse it same date. 

My Hamo modification was approved in XXXX I paid trial period XXXX/XXXX/2015. 
I started so many emails to no avail same response and lies from the personel as well sttaing that they were part of scrow dept/lossmitigatiom/socialmedia/insurance/modification and mad ebeleive they would transfer you. 
On yanuary I even got anotgher Hamp modfication with a trial period from XXXX and interest of the same amount as the {$2000.00} that wa sreverse and added to my partial claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
We paid our mortgage payment over the phone and the rep applied a different amount to another person 's account out of my bank account! Then they called to let me know that our payment had n't been made. My mortgage payment was {$690.00}, they took {$1200.00} out of my bank account causing my bank account to overdraft and incurring {$140.00} in bounced check fees. I called numerous times and got the run around several times until I threatened criminal charges. The rep even lied to me stating the recording said my husband agreed to {$1200.00}. I was the one who figured out they applied it to another Nationstar account number. Then she back peddled and finally agreed to give us back the {$530.00} and I told her she needed to give us the {$140.00} in bounced check fees as well and she said she might be able to give me XXXX fee. I said no, she would give me all plus any more that would occur due to her delay. She refunded me the {$530.00} plus {$140.00} but in the delay in getting the funds, another {$64.00} was added in fees to my bank account. I faxed the bank statement to her and phoned her twice and left messages with absolutely no response in over a week. It 's only {$64.00} but it was n't our fault, it was Nationstar 's screw up. We want our money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NH

Complaint narrative:
My Toyota financial payments are made through EFT transaction. On XX/XX/2017 XXXX deducted the wrong amount from my bank account. My correct payment amount is {$380.00}, but Toyota deducted {$310.00} which is an incorrect amount. I was not aware of this until my credit monitoring service notified me on XX/XX/2017 that I had a derogatory mark on my credit report. After investigating I learned that Toyota Financial had reported my XX/XX/XXXX payment 30 days late. After checking my bank statements for the prior three months I noticed that the XX/XX/2017 payment amount that was deducted from my account was not the correct amount. I logged onto my Toyota Financial account and saw that I had an outstanding balance of {$63.00} and a late charge of {$3.00}. Next, I called Toyota Financial and spoke to a customer service representative. I explained what happened as best as I could, but the CSR had a heavy accent. I could not understand her well and she could not understand me - she repeatedly asked me the same questions over and over and could not understand my answers. In the end she told me there was nothing she could do and that I would have to dispute the matter with the XXXX credit reporting agencies. This error on Toyota 's part has cost me XXXX points on my credit score. That 's exactly how much lower my score is now. I spent several hours on the phone this morning with the XXXX credit reporting agencies : XXXX, XXXX, XXXX and XXXX. XXXX told me they would remove the error immediately. XXXX told me they would file a complaint against Toyota Financial and review the dispute and rule on it within 30 days. XXXX and XXXX told me they would review the dispute and rule on it within 30 days. This error has caused an undue amount of hardship. I want Toyota Financial to correct my credit report with all of the agencies they report to and refund the late charge to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar has been pursuing debt collection activity that they alleged was transferred from XXXX XXXX XXXX, XXXX XXXX. 

The loan XXXX transferred from XXXX XXXX XXXX had a zero balance. 

On XXXX XXXX, XXXX, Nationstar indicated the loan was past due and in default of {$80000.00}. 


On XXXX XXXX, XXXX, Nationstar 's statement indicated the loan is {$100000.00}. 


Here 's a timeline of the controverting issues on the Loan XXXX Nationstar is pursuing debt collection activity : 1. On XXXX XXXX, XXXX Defaulted loan in the amount of {$80000.00}, past due since XXXX XXXX 2. On XXXX XXXX, XXXX, Nationstar sent me a letter stating they were abandoning the acceleration of the maturity of the indebtedness. 

3. On XXXX XXXX, XXXX, Nationstar 's Mortgage Loan statement indicated there 's a balance past due of {$100000.00}. 

4. On XXXX XXXX, XXXX, Nationstar reported the following to XXXX Bal. Due XXXX Amt past due XXXX Actual payment XXXX XXXX. On XXXX XXXX, XXXX, XXXX Credit Report indicated the following : 1. Account Status Closed 2. Payment Status Foreclosure proceeding started 3. Status update XXXX XXXX, XXXX XXXX. Past Due amount {$110000.00}

Company response to consumer: Closed with explanation