vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
NationStart Mortgage is a fraudulent and incompetent mortgage company that failed to properly posting and applying my mortgage payment for XX/XX/2016. I demand a criminal and civil investigation into its unlawful practices and a full restoration of my credit history and a civil compensation to me for the damage it caused. 

My mortgage was transferred from XXXX to NationStar without my prior knowledge XX/XX/2016, while I continued my monthly mortgage payment of US {$1400.00} to XXXX. I later saw my USD XXXX was transferred to NationStar on XX/XX/2016. However, NationStar did not apply this payment to my account and falsely reported a 30 day late payment to the credit bureau, and hence, destroyed my credit score. 

I made subsequent payment of US {$1600.00} ( a higher amount demanded by NationStar for no apparent reason to my later knowledge ) subsequently on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I absolutely do not owe NationStart any late payment. In fact, I over paid due to the transition phase. 

I demand a Department of Justice investigation of this matter, and I will report this criminal practice of NationStar to my state senator, XXXX XXXX of Massachusetts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
NATIONSTAR MORTGAGE : I got behind in my pymts ( XXXX ) and got a foreclosure notice. Repeated attempts to contact my assigned 'loan specialist ' were ignored. I have never heard her voice. I did talk to someone at their 'call center ' and was mailed a package to apply for modification which THEY SUGGESTED and I did. I waited a week and had to call THEM back to see if they even received it. Once again I got their call center because my 'specialist ' does not return calls. I was told a decision would be made XX/XX/XXXX. I did not hear from them XX/XX/XXXX so I called on XX/XX/XXXX and learned I was DENIED this modification on XX/XX/XXXX but was not told! They set a foreclosure 'date ' for 30 days after the DENIAL which was XX/XX/XXXX ( still have not received a notice yet and it is XX/XX/XXXX ). So I have little over 2 weeks to find assistance with ZERO help from this company. Worst servicer EVER!!! I wo n't even get into the magical 'fees ' that appear on a regular basis. Not sure what good a complaint can do. There is no 'choice ' involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
loan XXXX ; Champion Mortgage/Reverse Mortgage placed loan in mortgage due and all due status because of {$2000.00} in property taxes paid several years ago. This abusive since I am XXXX years old and trying to refinance the loan from Champion Mortgage ; Champion is harassing and holding me up from refinancing and paying them off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I had the mortgage with XXXX XXXX XXXX, I had an agreement to pay extra money each month for the late balance, they sold my mortgage to Nationstar mortgage XXXX XXXX XXXX dint pass on the agreement and Nationstar want the all late balance at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
My Name is XXXX, I have been working with SPS on a short sale for more then a year, I also been writing complaints about that same amount of time, they ask for document 's I give them the asked for documents and by the time they are looked at, SPS needs more documents. as I keep going in the same circle with SPS not XXXX decision on the short sale has been made.it is now XX/XX/XXXX a new years, SPS is still asking for documents. my complaint is that SPS ca n't or wo n't complete the Short Sale Process, I have had a active buyer that is still waiting for a decision to be made, The purchase contract was submitted on XX/XX/XXXX, I started working with SPS in XX/XX/XXXX. 
I would like SPS to complete my SPS sale so I can move on. 
Thank you, 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 2017-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
We made a dispute with our credit card agencies agains Midland Financial Services because we noticed a debt that either my husband or I even knew about. We were out of country when they put this on our credit report. 
After investigation, the so called debt from Midland was removed from both my husband and I credit reports -3 times!!! This took place first XX/XX/XXXX then XX/XX/XXXX. 

Today, XX/XX/XXXX, Midland Financial garnished my husbands wages for a debt we have no idea about and they could n't even prove it because the credit agencies removed the debt off our reports. This is Illegal and unacceptable. We feel helpless in this situation. 

Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XX/XX/XXXX, I received a letter from my mortgage company, XXXX, that my loans will be transferred to Nationstar Mortgage ( My loans have been transferred twice since my refinance in about 2-3 years ) and that I need to send my XX/XX/XXXX payment directly to Nationstar. My monthly payment of my primary resident is {$1400.00} including principal and interest ( fixed at 3.5 % ). I sent a payment of {$3500.00} to Nationstar Mortgage, specifically indicating on a payment voucher that {$2000.00} should be applied to principal in addition to principal portion of {$1400.00}. 
Nationstar Mortgage assumed without looking at the payment voucher that {$3500.00} was a 2 months payment. They deducted 2 interest payments of {$680.00}. 
I called Nationstar on and spoke with XXXX. She could not answer what I was questioning. XXXX put me on hold for several minutes and came back on the line and told me that she spoke with her supervisor and supervisor advised her to tell me that it was an computer error and reassured me it will be corrected. I received a statement from Nationstar for XX/XX/XXXX payment. DOES NOT show any adjustments!! 
I called Nationstar again and spoke with XXXX. Again, XXXX could not give me an explanation. I demanded to speak with a supervisor. After being on hold for few minutes, a man named, XXXX, got on the phone who claimed he was a supervisor. When I inquired about the situation, XXXX said he already has been adjusted back on XX/XX/XXXX that he was looking right at it on his computer. Okay. I then asked him after looking at my XX/XX/XXXX statement, the difference in amount where XXXX claim it was adjusted. He could not answer me. I asked him to email my account history, which XXXX was looking at. He said he would. I sent via email and regular letter to Nationstar demanding that they send me a complete account history within 5 days. I HAVE NOT received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
SUBMITTING HEREWITH ADDITIONAL IRREFUTABLE EVIDENCES OF FINANCIAL CRIME COMMITTED BY NATIONSTAR MORTGAGE LLC. 
PLEASE SEE ATTACHED. 
THANK YOU FOR YOUR INVESTIGATION AND SUBSEQUENT ENFORCEMENT OF APPLICABLE FEDERAL LAWS TO STOP THE PERPETRATION OF THIS COMPANY 'S WHITE COLLAR CRIME. THEIR " INTENTIONAL AND WILFULL MISCONDUCT '' FOR THEIR UNDUE ENRICHMENT IS A THREAT TO PEOPLE 'S LIVES AND A THREAT TO THE U.S. ECONOMY - AND WARRANT URGENT SCRUTINY. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NH

Complaint narrative:
I faxed tax exemption paperwork ( veteran credit of {$300.00} for the year ) from the XXXX, NH town hall with selectmen signatures and state seal and approval from the state of New Hampshire to Nationstar on XXXX XXXX. I instructed them to speak with XXXX from the XXXX, NH town hall who is in charge of the XXXX, NH taxes. They told me it would take about XXXX business days to look over paperwork. Nationstar will not recognize the credit as they said they reached out the town hall and Nationstar said there is no credit on my account per XXXX. I do not think they called the correct town hall, as I told them to speak with XXXX. I then called the XXXX, NH town hall and XXXX from the XXXX, NH town hall verified that I have had the credit on my account since XXXX XXXX, 2016! So, Nationstar is overcharging me for escrow by {$300.00} since they are not doing their jobs properly. I have called Nationstar over 7 times and it seems that I am dealing with escrow customer service and managers that just do not want to look into the matter. I am very confused with the fact I submitted the appropriate paperwork and they do not want to recognize, this is illegal on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I built my house in 1992 and refinanced a 6.78 to a 4.3 with Quicken Loans I did not take any money out just wanted to get a better interest rate. I explained that I had 10 years on my current note and did not want to do another new loan and I had a conventional. When I received my paperwork after the closing they had transferred my conventional into an FHA and I was charged with PMI ..I never had to pay PMI on my first loan and they did not appraise my home for the proper size and rooms. I was told they DO NOT consider basements as part of the home but my basement is open and has a full bath, bedroom TV room and weight room. Quicken Loans told me I would have to wait until the 5 years of PMI was paid before I could do anything and now it is complete but I am still locked into a new 30 year loan which means I will be paying on my home for 60 years. This is atrocious in so many ways and I was told by the my loan director director that I could appeal after the 1st year but he quit and I could not get anyone to talk to me about what they had done I should have been notified before closing that my loan was being taken from the conventional to the FHA they just transferred without my knowledge. I was told also that I would be refunded on my credit card the {$500.00} that I had to put down but that never happened either. I am filing this complaint because I was deceived and now I am stuck in another 30 year loan on a home I built in 1992. My house is XXXX square feet and they only appraised XXXX square ft. and that is why they charged me with the PMI I have never been late on my house note and they had no right to transfer my loan and charge me with 5 years of PMI on a house that was 20 years old. Quicken Loans should be liable for what they have done on my loan and I am asking for your help in having my note re-written as I would have had only 5 more years to pay on my home. Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
XX/XX/2016 A week ago we got notice that our house was being foreclosed by Nationstar bank. We had been working on a modification of our loan and after losing our applications three times by facts as they wrapped up interest charges on our loan, XXXX XXXX, " our dedicated loan specialist '' told us that if we made six consecutive payments within a month without being delinquent we would then move on to the modification. We complied " to the letter '' and sent our checks of over {$1200.00} every month as instructed. Now we are told that we never made the payments although our bank statements say the payments were processed so we have proof. As an aside, XXXX XXXX called a while back, and not knowing ( or maybe he did ) he laughed the ENTIRE message and never said a word. No one seems to know where the money went! So over {$7500.00} is lost into thin air! In the length of time it would take us to find out what happened and remedy it if possible, we would lose our house completely without making a XXXX of the {$220000.00} that we put down on the house. So we Sold it immediately so that we do n't lose profit in the amount of approximately {$150000.00}. We were lucky to have a buyer, I guess. There is more to the story and all along the way we 've been lied to as it turns out. At one point, four months we could not contact anyone at nation star because every single XXXX number directed us back to someone that no longer worked there. So now, we are losing the beautiful house we love and have to be out of the house by XX/XX/2016. We are devastated. If there is anything you can do to help us we would be ever so grateful. We never thought something like this could happen to us, but it has. When this all began a YEAR AGO, we were one payment behind and could n't make it up. This IS an urgent matter, and if someone could get back to us as quickly as possible, we would be so so grateful. Our contact information is listed above in my name to be the person contacted. Again our number is XXXX and my name is XXXX XXXX. Thank you in advance! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I am working on a short sale through HAFA short sale program. The loan servicer has a very inflated value for the subject home. The buyer paid for a full appraisal to dispute the short sale lenders value. The short sale lender is NOT taking the buyers appraisal into consideration due to the status of the comparable - some comps are bank owned or in some form of financial distress / since the subject is a short sale - I feel that these comparable homes are suitable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
We are trying to refinance our interest only mortgage. This mortgage was obtained in 2007 with XXXX. When the mortgage was originated the house address was incorrect. At closing I told the title company the address was incorrect according to the XXXX XXXX but the title company said they did not care because they did not want to redo all the paperwork. XXXX XXXX XXXX then purchased our mortgage and never changed the address. Nationstar Mortgage Company now owns our loan and although they did make correct the address in their files they refuse to give this information to HARP so we can refinance our Freddie Mac loan. The bank that is willing to refinance our mortgage said Nationstar flat out refused to acknowledge the address change. Yet all the paperwork we received from Nationstar ( i.e., interest statement for tax purchases ) has the corrected address. We also received a notice of a change of address from Nationstar. How do we get Nationstar to cooperate with the bank that is trying to refinance our loan? 
As you can see from the attachments Nationstar acknowledges our address is XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. The original paperwork that XXXX had was XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. This address does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: General Information Services, Inc
State: PA

Complaint narrative:
On my background check report it states that I have a XXXX misdemeanor however, I have never been arrested in my life. This is inaccurate information and I am the victim of identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
Through a phone conversation today with NationStar ( XXXX/XXXX/2015 ) the representative was helping us with figuring out how to drop our PMI ; in which we met all the criteria ( particularly a perfect pay history ) except the XXXX equity ratio. In looking through our file, the representative brought it to our attention that we have been charged " corporate advances ''. When asked what those charges were for, she stated they were for " property inspections '' since they were unable to reach us. We have no record of them reaching out to us nor did we authorize a property inspection to be charged against our account especially when they should have no reason to believe the property is abandoned since they receive on time payment from us. The original loan is through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Quicken Loans mailed me a notice that claimed I was prequalified to refinance my home mortgage. ( My mortgage is currently with another lender. ) The notice claimed " You 're already prequalified to refinance your home loan at a low, 30-year fixed interest rate of 4.125 % ( 4.273 % APR ). This lower rate could reduce your monthly mortgage payment to {$1500.00}! '' The claim clearly indicates that my current mortgage rate is higher than their rate and that my monthly payments would go down with this refinance. They even mention my current approximate mortgage balance in the advertisement which gave me the impression that they have my current loan information from my recorded mortgage or credit report. However, my current mortgage rate is much lower ( 3.25 % fixed for 30 years originated in XXXX 2012 ) and later in the fine print they also planned to charge me 1.75 % in points to get their higher interest rate. The P & I payment they quote of {$1500.00} is slightly lower that my current P & I payment of {$1500.00} but they are re-amortizing my current balance over a new 30 year period to achieve that $ XXXXmonth savings! This refinance would cost me considerably more interest over the term of the loan despite the lower payment. Clearly, their claims are not in my best interest and are deceptive ; particularly, their claim that they will lower my interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
someone opened an account with Bb & t it was not me I have proff of the address I was living at I was living in XXXX and the account was used in XXXX Someone stole my identity and put checks into the account I would like to take care of this

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 2016-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Hi, I have XXXX mortgages with Nationstar Mortgage, all of which are automatically deducted from my checking accounts. In XXXX, I was the victim of identity theft which prompted my bank to lock out access to my accounts. Unbeknownst to me, this prevented my accounts from automatically paying XXXX of the loans ( XXXX ). 
Nationstar did not notify me of this problem in writing ; its agents called, but inexplicably failed to leave messages so I had no way of knowing who was calling. Moreover, I was on extended travel in a remote location and so could not access my accounts to investigate any potential problem. 
I called Nationstar and paid the past due amount, the current amount, the next installment and restored the auto-pay feature. I even paid the {$4.00} penalty. 
I asked Nationstar to consider removing the derogatory incident from my credit report given that it was caused directly by identity theft and that I had made a good faith effort to correct it. Nationstar asked me to submit proof - which I did - via email but then did not respond. In addition, it assessed an inexplicable {$3.00} charge to my next statement.

Company response to consumer: Closed with explanation