vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
We filed for chapter XXXX and our home was not included. It was discharge XX/XX/XXXX. I called SPS in XX/XX/XXXX to discuss our options ( short sale, deed in lieu, etc. ). The rep stated, since we have children we could get {$3000.00} for moving expenses. On the advice of our attorney, he said to call the opposing law firm ( XXXX ) to find out the sale date of our home after XX/XX/XXXX. I called them on XX/XX/XXXX and left a message asking for this information. No one ever called back. I checked with my attorney and he was unable to find out when the sale date of hour home would be. On XX/XX/XXXX, we received a registered letter stating our court case would be XX/XX/XXXX to confirm the sale of our home! Talk about no notice!!! Three weeks??? Plus, no one would let us know the sale date. I called SPS and they said that we were not eligible for the {$3000.00}. They said because the sale had already taken place. What? I asked why this was n't explained in fall. The CSR said I should have provided a contact number. I replied, " Why did n't the CSR ask for XXXX in fall? Plus, SPS has our mailing information. They could have mailed it if they did n't have the phone number. '' The CSR blamed me for not following up. I told him, " I have never been through this process before, so how would I know? '' He said it was still up to me. Due to the short time frame, we have no place to go to and will be living in a hotel. We have XXXX children and XXXX of them are XXXX. I ca n't imagine how this could have been made any more difficult than it has been. Coming off of a chapter XXXX, we are cash poor and desperately need this money to sustain us while living in a hotel, to cover moving expenses, and to set up residence elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I sold a home in XX/XX/2016, and a refund for final escrow closing in the amount of XXXX should have been sent to me, a year later I received the check, and when I took the check to my bank, it bounced, I contacted Nationstar mortgage co to have them reissue a new check, and I still have not received my refund after two separate conversations with reps, assuring me, a new check will be mailed in two business days. I contacted Nationstar on XX/XX/XXXX, and again on the XX/XX/XXXX, both times I was assured a new check was sent to me, it is now the XX/XX/XXXX, and no refund as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
My lender Nation Star changed the locks on my house with all my belongings inside before they were legally able to take over my house due to foreclosure. They never followed the eviction process required by the state. Also it is my belief that the house was rightfully mine until XXXX XXXX. Please see attached documents in order to review foreclosure details. After contacting the bank it took over a month to be able to re enter my home. Once I got into my house I found that all my valuables were missing\stolen. When I contacted the bank to report the issue they referred me to XXXX which is their property preservation team. XXXX then instructed me to file a claim through them. In order to file a claim I had to file a police report. Once I filed the police report the officer stated he closed the investigation per XXXX direction as stated in the police report attached. After a long period of calls and emails XXXX finally got back to me stating they questioned their employees and they had not taken anything. There was nothing further they could do and I would not receive any compensation for my valuables or early eviction. I then contacted Nation Star which in turn has also stated there is nothing they can do to rectify the situation. I have lost a total of {$50000.00} in personal property due to this wrongful eviction and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
Home values have increased dramatically in my area. I believe my LTV is high enough to drop the PMI on my loan. I have had offers to purchase on my home above the required appraisal amount to drop my PMI. I went thru the process with Quicken and paid {$550.00} for their appraisal. The appraiser neglected to count one entire floor of my home and counted only 1/2 of my total livable square footage in the appraisal. Even though he included pictures of XXXX floors and a floorpan in the appraisal. None of the comps used had more than half of my homes square footage. The appraisal was obviously in Error. Quicken has denied my request to drop PMI and appraised my home at the original value I purchased it for over five years ago. Something needs to be done to rectify this obvious false appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Sierra Holdings LLC
State: AZ

Complaint narrative:
I previously filed a complaint against Sierra Auto Finance for harassing me in regards to an account for my brother, CFPB Complaint # XXXX ( XXXX XXXX, 2015 ) The complaint was responded to by XXXX XXXX - VP Collections. He had said at that time that a permanent block had been placed on my phone number. I received another call on XXXX XXXX again apologizing for the call but still asking if I can get a message to my brother. This seems like a polite way to continue to break the law. I contacted an attorney after I received the call. My attorney sent a demand letter to their address XXXX XXXX XXXX XXXX XXXX, Texas XXXX. No response was ever received to the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I have a mortgage with Nationstar Mortgage. I have been paying my mortgage balance every month. However, during last three months, the entire payment was posted to Escrow balance linked to my mortgage account twice. This resulted in getting several notices from the Mortgage company that I may lose my home due to non payment. This is very frustrating to deal with them over the phone with long wait times and had to email the mortgage company. However, by the time they waive late fees and apply payments correctly in subsequent months, it has already impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX ; Again, SPS is not flexible and does not have the capable of addressing my concerns beyond a packaged administrative response. 

Please intervene on my behalf a review my proposed settlement. 

In addition, it has recently come to my attention that SPS is challenged with privacu and mananging authorizations. 

I am requesting that SPS submit the history of authorization request and confirmations for servicing of my account.. 

Thanks 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 2015-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I have received instructions from Nationstar that I have to place a property into XXXX so that it can go to auction. We already have a purchase contract on the property and have submitted it for review of a short sale to Nationstar. How does adding time to the short sale review process by placing the property in auction benefit the consumer. It potentially could make the current buyer walk and we are then at risk of not getting any other offers. Now the seller has suffered as he has no buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
Nationstar LLC has failed to respond to my pertinent questions of them, that only Nationstar, as the servicer for XXXX XXXX 's mortgage with myself, can correctly answer in writing to me. I have been working on these Nationstar issues, since XX/XX/XXXX. 
Over the past year, I have contacted Nationstar FIFTEEN ( 15 ) more times by email since that first one noted above. I have also contacted Nationstar by telephone many, many times during the past year, all to no avail. 
This complaint is being created on Thursday, XX/XX/XXXX. 

The below is a copy of my latest email to Nationstar on XX/XX/XXXX. 
" Mon, XX/XX/XXXX at XXXX XXXX XXXX XXXX ;, XXXXXXXXXXXX XXXX and XXXX : It is outrageous that I have been on the telephone, since XXXX EST until now XXXX EST, over two and one-half hours, waiting for a customer service representative in the REO department to talk to me. 

Please have someone call me back at XXXX???.???? that can easily discuss and solve with me, my questions about these XXXX outstanding Nationstar issues : 1 ] a detailed mathematical spreadsheet showing all items that Nationstar used to calculate the XXXX that I received today, showing {>= $1,000,000} as Nationstar 's accounting of cancellation debt. 

2 ] Nationstar receiving a refund check from my flood insurance company in the amount of {$1400.00} that now shows as a credit in my escrow account, thereby requiring Nationstar to forward that same amount directly to me. 

3 ] Nationstar 's refusal to acknowledge that Nationstar has no interest in my former property at????????????????. 

4 ] Nationstar 's refusal to acknowledge that Nationstar is owed nothing by myself. 


Please kindly acknowledge your receipt of this requesting email from me. 

Thank you, from myself????? " The above is a copy of my latest email to Nationstar on XX/XX/XXXX. 

Please contact Nationstar LLC about my XXXX issues and this currently created complaint. 

I thank you for your help and look forward to hearing from you and Nationstar soon. 
Thursday XX/XX/XXXX complaint filed with CFPB Consumer Financial Protection Bureau. 
END

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I refinanced my Mortgage through quicken loans. I feel that their practices are predatory. I was first told I would have no problem getting cash out. Well, a couple months into the process I was told that would not be possible, but I decided to continue, as I was told I could reduce my monthly mortgage payment. So after adding {$8000.00} back to my mortgage for closing costs, and going back up to 30 years, there is no change in my mortgage payment. So I gained nothing but a lower credit rating. Quicken miss calculated my home insurance and did not pay it when they bought my mortgage. I called them XX/XX/XXXX, and was told it would be " researched '' but as of yet, no research, and now the rep tried to blame me, because they called me but my voicemail was full. So apparently they needed to speak with me before they could begin their research, because XXXX reps was n't enough, I had to speak to a third. In the meantime, my house insurance was cancelled. It has been re-instated, but Quicken does not seem to want to take responsibility for their mistake, and want to put it on me as the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
The deed of assignment was put in a repurchased remic XX/XX/XXXX. XXXX bought cwmbs reperforming loan remic trust certificate series XXXX back. And if the remic was valid then how come the security exchange commission, XXXX. XXXX, XXXX, XXXX, And XXXX, etc have record reports saying it was closed XX/XX/XXXX on a XXXX form. So again if the that deed of assignment is actually valid the how come no one has been reporting it to the sec since XX/XX/XXXX. Also again concidering its been repurchase then XXXX XXXX XXXX sold the mortgage to XXXX as the trustee violating the sec regulations. And giving the service rights to nationstar mortgage as well with the improper deed of assignment. And how come all of a sudden hud has no record of any of the paperwork on this mortgage as of XX/XX/XXXX. So it is clear that nationstar mortgage thinks official documents from the the sec are invalid. The master remic paperwork for the remic series XXXX, XXXX XXXX mortgage pass-throught trust XXXX file number XXXX is invalid as well.

Company response to consumer: Closed
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I would like to file a formal complaint against my current mortgage servicer, SPS ( Select Portfolio Servicing ) I am in the process of applying for a loan modification with SPS. Letter dated XXXX XXXX, 2016 ( attached ) indicates I have until XXXX/XXXX/16 to complete the application process. I received a 2nd Letter dated XXXX/XXXX/16 ( also attached ) indicating that my home is scheduled for Foreclosure on XXXX/XXXX/16. 

Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I submitted an application for a modification along with all documentation requested. I was told they needed a XXXX for 2014 and current profit and loss statement for a business that no longer exists ( I sent the P & L for 2014 ). I advised them on numerous occasions that I did not receive a XXXX for 2014 and that the business was not operating. I went so far as to write a letter about each and upload it to my representative so he could place in the folder marked XXXX and profit and loss statement. After 3 attempts the only response I received was that my application had expired for failure to submit all documentation. All documentation was submitted in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
My mother passed away XX/XX/2014. I contacted the mortgage company about the situation. They told me i needed to send them the letters of authority. i did, called them back and they said they did not receive them. so i sent them again, called them, said they did not receive them. called them again and finally got some one to help me. they told me what i needed to send over to them and what email i needed to send it to. i did. never received a response. called them multiple times. would not talk with me. I called the estate attorney and he sent them the letter of authority four times. with a documentation of the fax going through and they received it. He also called them and they told him they did not receive it.I have tried to call them for almost three years now and still get no corporation. Now they are trying to foreclose on the house. The mortgage company is SPS select portfolio. This has been very frustrating to deal with besides the lost of my mother. I am also on the deed of the house. But not the mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: WY

Complaint narrative:
Hello, I am writing regarding my mortgage loan which is serviced by Nationstar. There has been much discrepancy on who is the owner of my mortgage and if the mortgage was bundled legally, within the required time period, when it was sold. 
Because Nationstar could not or would not answer these concerns, a securitization audit was done on my account. The securitization audit revealed that the bundling of my loan was not done legally, and in the required time period. After obtaining this information, I sent the necessary documents for the rescission of my contract with Nationstar MortgageI will be attaching documents which explore these complaints more fully. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I am filing this complaint because Nationstar Mortgage LLC purchased hazard insurance when my mortgage was transferred from XXXX in XXXX of 2015. I have had continuous homeowners insurance coverage through XXXX XXXX. I have provided proof of insurance to Nationstar, and I am still waiting for confirmation that the hazard insurance payments will be waived. When I call Nationstar Mortgage LLC, the phone bank employees : a ) can not find proof of insurance documents that I uploaded to their website, b ) can not locate documents that were FAX 'd to Nationstar by my insurance company, c ) can not locate the documents that I mailed by certified mail, d ) claim that my insurance has had a lapse of payments, e ) refuse to escalate phone calls to supervisors, and f ) if they have trouble speaking fluent english they refuse to transfer the call to someone who can speak fluent english.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Select Portfolio Serving, SPS, is not acting in " Good Faith '' in the underwriting and preparation of a loan modification which was in fact already granted in XXXX of XXXX by the former bank note holder, XXXX. 
I have fully complied with all their requests for financial information for the past 6 months. They are requesting the same financial information over and over again. I have sent them " proof '' of income several times only to be informed it is not enough. 
I have already given them the following Documents:XX/XX/XXXX TaxesBank StatementsInsurance statementsrental income for the house in questionrental income fore the XXXX XXXX XXXX income for investment property located at XXXX XXXX XXXX XXXX XXXX Fl5 months of consecutive rental income direct from the Federal Government ComputersProfit and Loss StatementsDetailed listing of my ExpensesRMA formAll this information can be verified by my Taxes which were professionally prepared by XXXX XXXX and XXXX XXXX CPA, XXXX New York XXXX 
SPS has formally acknowledged the receipt of this information via email confirmations to me dated:XX/XX/XXXX, XXXX confirmations of receipt XXXX/XXXX/XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX, XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX. In total, there are XXXX separate emails from me that they confirm were in fact received by them. 
Despite my total cooperation and a deluge of information from me which can be easily verified, SPS continues to deliberately delay and or sabotage the recognition of a Mortgage already put in place by XXXX or grant a new mortgage taking into consideration the failures of XXXX and now XXXX Bank to accept my mortgage payment of {$1700.00} for several years. In fact, XXXX had accepted my payments for 9 months. 
I have attempted to correct this situation through personal phone calls, letters and lawyers. To date, no one is listening. 
Once again, the loan had been modified in XXXX and I was current on the payments when the note was transferred to the new servicer. The new servicer required me to re-apply for a loan modification which put me at risk of foreclosure because the new servicer did not accept payments after the loan was transferred. 
Florida is a XXXX XXXX and Foreclosure matters are referred to XXXX XXXX. The bank and I are required to participate in a Loss Mitigation Workout Solution. 
This matter has been placed on the court 's calendar and I submitted opposition papers to a Summary Judgement Motion on the basis that the Note to the Subject Property was not attached to the Bank 's Motion papers. 
There is a sale date scheduled for XXXX XXXX, XXXX and the bank has all the documents to approve a Loan Modification, but is not in COMPLIANCE with FEDERAL GUIDELINES. 
XXXX XXXX XXXX XXXX

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