vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
My mortgage company is Nationstar Mortgage. I pay $ XXXX/month in PMI. The PMI company is XXXX XXXX. I closed on my loan on XXXX XXXX, XXXX. My PMI certificate cites that my PMI rate is 1.83 % the first 10 years. Starting the beginning of the 11th year, the rate drops to .002 % which means that the PMI will drop to {$44.00}. That means my payment will drop {$360.00} starting XXXX XXXX, XXXX. I have sent certified letters to the company about the decrease in and initially they would only commit to the fact that the PMI would decrease. They refused to give me a quote on the amount of the new PMI rate. I continued to call, email and send certified letters to the company. They committed on several occasions to mail letters with the new amount and I never received the letters. I spent many hours on the phone to the company and made no less than XXXX calls since XXXX. I finally was able to talk to a XXXX XXXX XXXX from Nationstar on XXXX XXXX, XXXX. Within XXXX minutes, he emailed me a letter stating that the new PMI rate would drop from {$400.00} to {$44.00} starting XXXX XXXX, XXXX. Since the beginning of XXXX, XXXX, I have either called or emailed the company almost every day about the reduction in payment. My XXXX house payment is currently due and they have not reduced the payment. I refuse to pay the additional {$360.00}. 
The XXXX Homeowners Act specifically addresses PMI and disclosure. The company is supposed to disclose annually all the details of PMI. I have fought for several years with Naitonstar for information. If my property was appraised today, I would be able to drop out of PMI. But I have been unable to get the company to make any type of commitment or put in writing what would get me out of the PMI. They have violated the law by not disclosing this information. Unfortunately, I think I will have to result to legal action to make them do what they are legally supposed to disclose. They without a doubt have many individuals that are not qualified and the I am appalled at the their customer service. On one day, I made a total of XXXX phone calls and was on hold for hours without getting any help. My mortgage is the most important bill and to have the company so obviously disregard my emails and complaints is beyond ridiculous.

Company response to consumer: Closed
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
This is supporting information to verify all of the facts in complaint Case # XXXX where I report that my " modification '' was indeed a cash out refinance loan because XXXX XXXX did indeed pay off XXXX XXXX without my knowledge or consent and then did not disclose these funds on what they called a modification but which was really a cash out refinance that was done without any RESPA documents including HUD-1 and Right of Recision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
US Bank National Association Has served me twice XXXX CA XXXX XXXX CA XXXX Its 2016 and nothing is resolved we did meditate they cant make their minds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
We have a File that is an REO purchase, we are having issues with the sellers closing agent, this is adding cost that is the REO lenders responsibility to pay. The company is refusing to communicate with their client and is holding us hostage and we are trying to close this transaction. The Seller is NationStar/XXXX, the person we are working with for Natonstar is XXXX XXXX XXXX, Law Offices of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, FL XXXX Phone ( XXXX ) XXXX Facsimile ( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I called Quicken Loans to ask a question about a mortgage- The customer sales person asked me for my name etc. before I received an answer to my question! Unbeknownst to me my credit score was impacted because of a " Hard Inquiry '' - It does not seem right to have your credit score come down, when your just want a question answered about the company in question services! 
Your question " Which part of the mortgage process is your issue related to? '' Does not apply so I put Applying for a loan - which I am not or did not!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I applied for a primary mortgage refi w quicken loabs XXXX this tear 2016. They told me on a number of occassions I was approved and even had conditional approval on their website under my application. For weeks I was told to expect someone calling for a closing date and all that would happen us a request for another payment I made or account I paid off. The debts that were clearly paid by my company were rejected by quicken. How can they include the monthly debt but not the income from my company that clearly pays it every month?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
This company AR Resources has put a deragatory collection account on my XXXX credit bureau reports as of XXXX/XXXX/16 but did n't pop up until XXXX/XXXX/2016. For a medical collection from XXXX XXXX XXXX. I have never ever heard of them and I believe that this is fraud. I have attached a police report and FTC Affidavit and I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
I believe the lender, Nationstar Mortgage, is effectively changing the terms of my loan. Although payments are not late until the XXXX of the month, and my payments have been set up on autodraft since the inception of the loan, recently the bank has had oversees callers calling me beginning on the XXXX of the month or earlier asking for payment. These are call center employees without access to my account records. I feel this is harassment plain and simple, to get people to pay earlier than they need to in order to be in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Champion Mortgage refuses to process any of the documents we have submitted, we have on multiple occasions sent in residency verification letters, authorization letters, copies of our insurance and they continually deny receiving the paperwork. I have been placed on hold for very long periods of time and can not get anywhere with them. They are negligently and purposely not processing paperwork in order to have an excuse to foreclose. They have now begun foreclosure proceedings due to non occupancy and an incorrect insurance and taxes balance because of their negligent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
My husband and I had our mortgage with aurora loan services. Theysold it to Nationstar Mortgage. We had moved and rented the house and werewere late with payments but never missed. Many times aurora tried topush us into foreclosure but we were late with payments but nevermissed. they put XXXX the amount of late fees, etc. 
in a non interest bearing account and then sold the loan. When Auroraremodified the loan they never put a monthly late payment in. 
Repeatedly we asked nationstar to get us an underwriter to explainand send a loan packet explaining the loan. Nationstar neversent us any paper work and could never explain the loan. They sent adocument on XXXX XXXX, 2015 stating that XXXX XXXX owned ourhome. 
I called a loan officer from another mortgage company and asked aboutmy credit report they ran and she said they have put me late 8 times thisyear and it was only XX/XX/XXXX. XXXX months into the year. I expressed thatno late payments were established in the remodification of the loan. 
But that I had repeatedly asked Nationstar for a written documentation. 
We needed to make one extra payment. I started looking closely at themortgage statements and they were also charging me fees such asproperty inspection fees, etc. they said they would take them off. Theywere also changing our payments monthly. I asked for paperwork toexplain why. Nothing was sent. We bought another home in southCarolina and XXXX XXXX XXXX sold our loan to Nationstar. They raised our loan payment and we continually asked to talk to an underwriter forboth homes. To explain the extra chargesetc. They let our insurance lapse and we called them and they said without our consent they let itlapse and were paying the premiums with my moneyusing their insurance company. Again I had a charge on my statementand questioned it. They said it was a late payment. I said that you justbought the loan and it stated no late payment. I told them they werediscriminating against us. They sent me a welcome letter I then askedfor an underwriter and the paper work that we owned the house andwhat we were paying and why they were raising our payment. Then theysent me another letter with a few more pages still not showing me thatwe owned the houses and what we were paying for. 
I called the XXXX and they have XXXX complaints. 
They have only resolved maybe 5 to 10 percent. someone suedthem and won. 
I feel they have committed mortgage fraud and are beingsecretive. they have discriminated against us becauseof our age and maybe ignorance. 
The telemarketers say they cant give their names and to sell our house ifwe do not like the way they are doing business. 
They sent me a letter to resolve and I called the number listed andextension and it does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I called the transunion credit bureau using the phone they gave me XXXX as of XX/XX/XXXX16. It is not a working number. see photo herein. Transunion listed my request for a my free annual report as a credit card application on my credit report listing it as " factact free disclosure '' .Further they listed " commonwealth financial '' as a application for credit from me. 
further they listed " XXXX '' as an attempt by me to hire a credit enhancement company. These inquiries should be deleted because I did not apply for these services and they should not be listed as inquiries on my credit report.

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 2015-07-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My mortgage company Nationstar Mortgage. I live in California. My mortgage is currently in default. I have secured the funds to reinstate my loan. I have attempted, and my lender has attempted to get a written breakdown of the costs, fees and payments that need to be made to the mortgage company in order to bring the account current. I have been told that the company will not, on advice from their leagal department, give me the document that I need. Their reason is that in 2008 I had a bankrutcy ( that was discharged ) and that they are " not allowed '' to provide the written document that I need to give to my lender. Meanwhile, the foreclosure sale date is looming. My lender has called and spoken to them, I have called and spoken to them and they simply will not provide the document. I am afraid that they will foreclose even though I have the money and income to make this right. They keep changing my " point of contact person '' even after assurances that they will not. ( I 'm up to XXXX ) The phone number that is on my mortgage statement is a loop that goes nowhere. ( I 've told them this ). My latest mortgage statement was incorrect. This affects the amount that I owe. They keep sending people to my house to see if I still live there, and charging me for it, even though they know that I do and I have kept in consatnt communication with them. They keep denying my requests for modification. The latest reason was that it would affect the potential equity ( I have plenty ) of the home. I am happy to use some of my equity to modify my loan! I put the money down on the property to begin with! I can not provide you with any documentation because it is written and they wo n't give it to me! I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
XXXX This is not a duplicate *** There have been many activities of fraud activities on my mortgage account XXXX due to NationStar lack of security. With NationStar lack of security my account was compromised and harm has been caused to me. 

There were multiple delinquencies due to my tenant compromising my account and changing my contact information to her contact information. This was done without my awareness or consent. There has been falsified letters written by my tenant and a loan recodification also done by my tenant. All done without my awareness or consent. 

NationStar wo n't cooperate with such evidence. There was a letter written by my tenant pretending to be me requesting for authorization. The phone number on the letter is her cell phone number. The letter is page XXXX of a fax, but NationStar wo n't provide page XXXX XXXX fax cover page ) which will show that the fax was sent from her place of work. 

Also, there was a loan modification done to my account by my tenant by her contacting the " Making home affordable '' department to reduce the amount of monthly payment. In the documentation provided, Page XXXX shows the fax cover sheet which shows that my tenant XXXX XXXX was the one that did the loan modification. Upon bringing it to NationStar 's attention, NationStar was quick at looking the other way, yet forge the documents by removing page XXXX XXXX Fax cover page ) and then stating that no fraud has happened on the account. Yet, after forging the document, upon still requesting other information, another rep provide the same document and this time the document had page XXXX ( fax cover sheet ) So NationStar forged the document to hide the fraud evidence. 

After bringing the multiple fraud activities to NationStar attention, NationStar then stated that there was a voice call in 2006 of someone granting my tenant authorization over to my account. Yet NationStar wo n't provide me with a copy of the recording that would also proof further fraud activities. I have not requested nor granted authorization to anyone over to my account. The letter, loan modification and voice phone call was all done out of fraud activities of someone pretending to be me. 

If someone pretending to be me, that is Identity Theft and is considered fraud and NationStar is supporting it by forging documents removing evidence and not providing other proofs which will further proof fraud. 
The delinquents that happened on my account were fraud, cause by my tenant compromising my account due to NationStar lack of security.

Company response to consumer: Closed
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
On or about XXXX/XXXX/16 and offer and acceptance was asked and granted on real estate in XXXX XXXX XXXX. The loan is a VA and loan application for property was submitted to Arvest Bank in XXXX XXXX, XXXX. The problem begins here ; the VA appraisal request was submitted to the VA Regional Office in XXXX, XXXX on XXXX/XXXX/16 and was due back by XXXX/XXXX/16. As of this date XXXX/XXXX/16 it has not been submitted to the bank or the VA, even though XXXX XXXX, and XXXX XXXX were on the real property, inspected the home and outlying buildings on XXXX/XXXX/16. The bank misspoke when I was told that the request for VA was given on XXXX/XXXX/16 for appraisal. The situation has cost me money, delayed shipping/moving problems with contract carrier, storage costs and extension of money spent in an apartment without hardly any of my household goods, including limited clothing. All of the belongings are in storage. The seller is having the same problems. 
The appraiser, XXXX XXXX and XXXX XXXX need to be dealt with. I have left several messages ( XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX to no avail. They have not returned any calls. I have filed a complaint with the VA in XXXX and assured me that the appraisers have violated the time constraints established by their dept. The bank, Arvest has not been forthcoming in their communications with me and are of partial fault in my thinking, due to a lack of communication and misspoken facts on the loan time and closing date. It was originally to be XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I 've have been trying to complete a loan modification since XXXX XXXX 2013 because. I 've been submitting all required documentation to SPS financial and have not seen any results. I 'm currently working with a realtor to help me complete my loan medication because it 's been very overwhelming for me to complete this on my own. At this point, the lender continues to request new information and I 'm scared to lose my home to foreclosure.

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 adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
I recently worked with XXXX Housing department and theyhelped me with the modification packet and helped prepare me with alldocuments to make sure the evalulation could be done. That was onXXXX XXXX. My mortgage company NationStar wrote a letter confirmingthey received my request for modification on XXXX XXXX and theyalso informed me that they would not forclose or that I would not loosemy home during this time of evaluation. I provided all documents as re-quest of me on the time frame that was asked from me. attached is allthe documents and dates, and faxes that pertain to my modification. onXXXX XXXX the mortgage company posted a legal court documentstating that my property was sold. They sold my property without noticeand without a fair chance at the modification or notify me that I did notqualify for the modification. My rights have been violated. I have lived inmy home for over XXXX years and I am devastated. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
This bill was discharged in bankruptcy 2 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
I called BMW Financial Services today, XX/XX/XXXX, in regard to payment owed on a totaled vehicle, a XXXX XXXX XXXX XXXX. The rep I spoke with could not discuss account due to a cease and desist on account, he requested I send an email to XXXXXXXXXXXX, which I did today. I did not receive a reply as of yet. The purpose of the call was to see if a settlement amount is available, there was an XXXX % settlement offer made prior, however, I could not accept it at the time as I was waiting for a legal settlement. The attorney handling the case against XXXX, the insurance company who paid off vehicle, called today stating settlement check would be sent soon. He was able to recover amount owed on loan as part of settlement. I called BMWF to accept a settlement amount of what is owed, the rep said to email the address mentioned earlier but did not hear back. Please advise BMWF I will accept settlement offer of XXXX % as previously offered. I will call in to make payment once offer is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I pay rent every month for my off-campus college house, collecting rent from my XXXX other roommates. At the end of every month, I deposit {$2800.00}, collected from my roommates, into my checking account to pay rent. In XX/XX/XXXX, my roommate was late on his payment so I transferred {$530.00} into my checking account to cover his portion of rent. When he paid me in cash a few days later, I deposited the money into my checking or savings account at a PNC branch location. When I went to pay rent a month later, I noticed that the {$530.00} deposit made in XX/XX/XXXX was missing from my account. I opened a dispute with PNC and their department said they could n't find anything. I asked if they could do anything further and they said without a deposit receipt, there was nothing else that could be done. I proceeded to ask, " If I handed a teller {$530.00} in cash and did n't receive a deposit receipt, then that teller could essentially walk away with {$530.00} and I ca n't do anything about it? '' Their answer was " Yes, that is correct. '' I found this to be very upsetting because, as a college student, {$530.00} is a lot of money. Their only solution was to find the deposit receipt, which I did n't have.

Company response to consumer: Closed with explanation