vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I have been fighting with Nation Star for a long time now, this company keeps giving me XXXX. I have been denied several times due to discrepancies on their behalf. I used to have a business before and they kept asking for proof of my business even though I had informed them that I had lost my business. They also denied me for not having proof of occupancy even though they had utility bills and much more under my name and property address. Moreover, this is my only property. I do not own or have any other properties. To make matters worse, I recently got denied for having negative disposable income. How can this be if I have a surplus at the end of each month. I have sent bank statements, my paystubs, and my expenses. I also got denied for a modification because according to them I did not submit enough information regarding rental income which I do not have as I live in the property myself. They also said that I had marked that my home was a rental property. How did they get this information? Again I do not even have renters or a rental property and I sure as XXXX never checked that I have rental property. When I called in to Nation Star several representatives refused to acknowledge the internal mistake. Finally, after threatening to involve my attorney general XXXX XXXX I was transferred to their escalation and was advised an internal investigation would be open on my behalf due to all discrepancies on their part. At this point I have not received anything in writing regarding my complaint with Nation Star therefore I am reaching out to you directly for help. I was supposed to receive the Clarity Commitment modification as part of the settlement from the Department of Justice from XXXX XXXX XXXX but before my modification was completed my loan was transferred to Nation Star. They were supposed to finish the modification on behalf of XXXX XXXX XXXX however that never happened. Thus me still being on the verge of being left homeless due to their incompetence. They refused to honor my modification despite providing proof I received from XXXX XXXX XXXX. Nation Star excuse was that the investor was no longer participating in the settlement. Please help me shed light to this unjust matter. I am tired of going in circles and not getting modified. Please I am begging for your assistance in this stressful matter. I do not want to lose my home. I should have been modified years ago, yet Nation Star continues to prolong my foreclosure so I end up losing my home. Thank you in advance for your assistance. I hope to hear positive news from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
The issue I have with my mortgage lender, Nationstar, is that during my modification review the underwriter calculated the incorrect income and expenses that did not correspond with the supporting documents I submitted. My monthly expenses total {$3700.00} and my monthly gross income total {$5400.00}. The expenses the underwriter used for the review was {$4100.00} and monthly income of {$3700.00}. I have requested an appeal and escalated this matter with the lender. I want my loan modification application to be re- reviewed and I have submitted the most recent income documentation to the lender. The underwriter did not review the income and expenses that reflect my financial situation or correspond with the supporting income documents I submitter per lender 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FACTUAL DATA CORP.
State: FL

Complaint narrative:
This is a complaint against Factual Data, to request removal of my XXXX credit report dated XXXX/XXXX/2015 and XXXX/XXXX/2015. This inquiry to my credit was not authorized by me, has been without my authorization, I do not have any product or relationship with you, no Loans product, therefore I make this request to immediately remove this inquiries that appears in my report and that affects my score negatively, and request adhere to the laws of fair credit and stir to eliminate an error that is not mine and never authorized, I appreciate your prompt help to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I received a foreclosure letter from Select Portfolio Servicing on XXXX/XXXX/XXXX. This after they had turned me down for a Modification saying that they had not received all the information to review the modification and they were closing out the request. They consistently tell you that they did n't receive information or something was missing from the application, which is not true. 
I spoke with XXXX XXXX from the Ombudsman dept. On XXXX XXXX, and she told me the the foreclosure sale date would be on XXXX/XXXX/XXXX. In researching this I noticed that the foreclosure sale had not been posted to any local papers. The law state that .... The foreclosure sale must be advertised in the official county newspaper where the property was located once a week for four consecutive weeks prior to scheduled sale date. This had not happened as of XXXX/XXXX/XXXX. Sale date set for XXXX/XXXX/XXXX. 
I spoke with the foreclosing lawyer, XXXX XXXX XXXX and he referred me to his paralegal, XXXX XXXX. She told me the the foreclosure had been put on hold due to a dispute. I relayed that information back to the XXXX office at SPS and spoke with XXXX XXXX again. I informed her of the postponed foreclosure and she put me on hold to talk to her supervisor. She came back on and told me that they were working closely with the lawyer to keep the date of XX/XX/XXXX.I informed her that they would n't be taking the proper. She said they were doing it anyway. If they do this is an illegal process and I take issue of this. They are trying to set me up for failure with the modifications and then trying to foreclose on me .... illegally. The paralegal, XXXX XXXX, was in full agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar Mortgage Complaint. 

I have called nationstar on several occasions to rectify an issue that they created and still waiting a response. 
The issue has to do with my Escrow account. XX/XX/2015 I refinanced my home loan with Nationstar and after the refinance went through ( XX/XX/XXXX ) I changed my XXXX XXXX policy to another provider. For some reason this year I received an letter from nationstar that I was without Insurance from XX/XX/XXXX so they purchased a plan on my behalf for nearly 4 times the cost. 

As you can see I had insurance did n't expire until XX/XX/XXXX and to top it off the policy should have been auto-renewed. Nationstar did n't pay the renewal and have asked them multiple time to fix it. 

The representatives that I have talked to all tell me they will get back to me and never do, that 's not true one lady did, but then told me she would call back in 3 days and never has. As this point I am very frustrated and do not want to deal with them anymore for their constant failure. I want them to fix my escrow account and return money to it as this is clearly their fault. 

Can I sue them for incompetence as I feel like doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
XX/XX/2015 I contacted Quicken Loans after received an offer from them for a home loan. The offer I received was for 3.625 APR FHA 30 years. After speaking with a few folks and agreeing to our credit being pulled and putting a good faith deposit up, we began the processing of refinancing my partner 's home so that I could be included on the deed to the property and the mortgage. The mortgage broker only offered us a FHA Streamline Refinance and I asked several times if this option will ensure that the Warranty deed for the property is updated to include me name. Each time he assured me that it would ( another Bank had told us we could not do this type of refinance because they would n't be able to add me to the Warranty deed and Title. ) We were quoted an APR of 3.99 % for the FHA streamline and told we should go with this option because any other option would be too difficult since it would require a home inspection etc. We proceeding and closed in about 3 weeks on the refinance. No issues over the last year, until recently we had to sell our home because we are relocating across the country. During the closing process, the title agency determined that in fact my name was never added to the Warranty deed for the property and that while I was liable for the mortgage, had something of happened to my partner I would have had to went through probate court because Quicken failed to update the Warranty dead as promised. This not only slowed down the closing on our home, but added frustration because for a year I had believed based on what I was told I was added to the Warranty Dead for the home and never was. Therefore I was paying on a mortgage to a house which I did not legally own. It was very shady to know that Quicken either failed to update the proper paperwork with our Country regarding the Deed or flat out lied in order to get me secured on a mortgage even though I would not legally own the property. It was very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My property was foreclosed on while under Bankruptcy protection by NationStar Mortgage Services, I had filed a bankruptcy petition on XXXX/XXXX/2016 and my property was schedule for action on XXXX/XXXX/2016. I was under the XXXX XXXX XXXX which I believe was violated by my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
When I refinanced my home in 2006, the broker placed a {$2500.00} home insurance on my policy that I never agreed to. Eventually the loan was sold to XXXX XXXX XXXX and they contracted Select Portfolio Servicing to collect payments. In 10 years, {$25000.00} have been added to my loan in the form of forced hazard insurance on which I have to pay interest. Select Portfolio Servicing refused to cancel this insurance and I now have my home owner 's insurance which I paid myself to XXXX XXXX. Last year, Select Portfolio Servicing told me on the phone they would take it off, but I am still being charged for it. They have been found liable in the State of Florida ( XXXX Class Action ). 
Also, they do not respond to my mortgage modification application, except to place a door hanger on my door stating I am late on my payment and to contact them, plus sending a letter asking to cure the outstanding balance within 3 weeks or risk foreclosure. 
The amounts over the regular monthly payments do not get applied to the outstanding balance, but are put in an unapplied payment account, no doubt earning Select Portfolio Servicing interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
Citizens bank deducted {$1300.00} from my joint checking account. When I called they told me it was for an account that was in overdraft since 2007. I have no recollection of this account and wanted proof that i opened it, they said to contact the branch for that. The branch where it supposedly was opened no longer has those records. I have never been notified about this account. I have a joint account and recently opened a business account at this very branch and NEVER has this " bad debt '' account been mentioned. When I spoke with the Branch Manager he could n't find the account in his system. Neither here nor there, they have violated Vermont 's Statue of Limitations. According to the Federal Reserves, Citizen Bank is is not federally regulated on deposit accounts and it automatically defaults to state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
We have received No response from our mortgage lender to consumer finance protection bureau Case number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar is not posting payments in the amount received. We are sending XXXX they are only posting XXXX. They are also not posting in a timely manner. We paid our XX/XX/XXXX payment XXXX/XXXX/16. As of the statement we received on XXXX/XXXX/16, the payment does not show how much went to Principal and interest. The online website does. Also their statements are only sent out 4 days before the duedate. See XX/XX/XXXX statement date of XXXX/XXXX/16 due XXXX/XXXX/16. We have made our XX/XX/XXXX payment on XXXX/XXXX/16 and it has yet to show on their website or the statement. It is taking sometimes up to a month to post a payment. 
They are also charging a XXXX legal fee. after much discussion and no reason as to why that was charged they finally removed the charge. This has happened every month since they bought the mortgage. 
I have tried every month since XXXX 2016 to resolve the issue with the payment amount without success,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC
State: MA

Complaint narrative:
I applied for this payday loan but the interes charges are too high. the amount I applied for was XXXX and they have been taking money from my back account every payday. I need help. the interest rate is XXXX % for a total of {$1600.00}. I think they are stealing from me. this is not supposed to be so high!! htey did not tell me that when they called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
For the second time in 6 years I am being forced to defend my property pro se. 
It does n't seem to matter that the XXXX foreclosure was FIRST a XXXX, Aurora, Aurora XXXX XXXX XXXX, robosigned MERS, mortgage, that was thrown out of court in XXXX. And I guess the 5 year statue of limitations law in Florida, means XXXX is above the law to have to refile the foreclosure now, claiming this time, ownership of a XXXX securitization by blatently altering the records. 

Their fraudulent actions, killed my marriage of 15 years, stripped my 50 year 's net worth and has frozen my ability to work as a XXXX figure XXXX since XXXX. Around XXXX while conducting my own forensic audit, I found that DeutcheBank is and ALWAYS WAS the bad actor here and served a QWR to NationStar servicer, that never responded to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: NY

Complaint narrative:
I returned a lease vehicle to auto mall XXXX in XX/XX/2016 and I made monthly payments to Hann leasing. The lease was for 39 months and I drove the car about XXXX miles. I had a few scratches on the car. I expected to pay something for wear and tear but I received a notice XXXX months after the car was returned for {$2300.00}. I was charged {$1900.00} for paint labor and parts and they indicated I was in a collision?. The car I leased was a XXXX ultima. I would like to pay them a couple of XXXX dollars to conclude this matter. I have read stories on the net they attempt to rip off other consumers with over the top charges. They have an in house mechanic XXXX who is part of this fraudulent charges. My lease was XXXX per month and their charges just happen to be XXXX year of payments. I obtaine the lease thru XXXX XXXX and they obtained the loan for hann leasing.

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 2016-06-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In 2006 ( approx ) we refinanced our home with what we did not know at the time was a predatory broker ending in a predatory loan. The company which we were refinanced with was originally XXXX XXXX but then we were shortly sold off to Select Portfolio Servicing ( SPS ). At the time we refinanced our home we were not in any financial difficulty. We had, and still have " XXXX '' credit. We were refinanced for more than the home was worth at the time and given a adjustable rate that we were told we would be able to refinance out of before it adjusted. We also were unaware that the company and agent we started with, XXXX XXXX at XXXX XXXX XXXX did a comp on our home and not a true appraisal, which is why they were able to give us the amount of money they did. We were unaware of this as we were first time military home owners. They also gave us an 8.625 % interest rate ; we had a 5 % interest rate when we bought and had the same credit ( probably better, at the time of the refi ) We have been turned down for refinances because the mortgage is not XXXX or XXXX XXXX backed and because we were forced to XXXX they look at this as a second home and not our primary residence. SPS has turned us down for modifications telling us to sell property and continue to pay. We have now opted to short sale as we have been XXXX two additional times, and my spouse is now going out of the country. We have not been late but there is no help for those who have not been late. This year we started the short-sale process. SPS has taken over three weeks to approve the offer and in their documentation they state that once they get all mandatory paperwork it will take 10 days for a decision. The buyers have now backed out of the deal because SPS is not giving us any updates. SPS assigned us to a Relationship Manager who we are never able to speak to, and does not return calls and does not speak to our Broker who has been working the short-sale. Each time we call we have to talk to who ever answers the phone though they say they have a division in the company that handles Short-sales we are't allowed to speak with them. We have rented out our home for the majority of the time we have been unable to live in it but suffered damages due to renter. The home has been on the market since last year, we have adjusted the price several times and now that we had the luck of a contract SPS has stolen this from us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Good afternoon, my name is XXXX XXXX XXXX, I have lived in my property for over 10 years and have been having financial hardship due to loss of income. I recently submitted a request for a modification loan and have been told someone is reviewing my paperwork. I gave another call back this week and they stated that their attorneys are looking to foreclose on my home without evening completing my modification request. also my loan was transferred to this company and I was approved for a modification for XXXX they never honored my modification through XXXX XXXX before the took over the loan. They are the ones who made it impossible to keep up with my payments and they never called to tell me what the results were when i asked them to correct their mistake. i was already approved for a fixed loan for XXXX years through XXXX XXXX before the gave my loan to select portfolio can some one please help me stay in my home. I am back working now but still need my pymts adjusted like they were.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
i have been falling behind on my mortage payment due to work related injury- since i have fully recovered i have made all payments on time since y injury 2 years ago, and now close to caught up and only a payment behind. Nationstar offered a modification ( this has been going on for quite sometime ) unable to do so because there is always missing documents that re required that i summit -and its always changing. for example first we needed bank statements and rental income documentation. i send copys of checks and bank statements to justify this, the first phone call from XXXX XXXX clearly indicated that was good enough, ( either/ or will work ) i didnt ' ask for the modification -now it changed again. i need to " circle '' where the rental income is as far as deposit. i already gave copy of check, they can verify this. Today i got a phone call from XXXX XXXX. XXXX XXXX XXXX now saying its not good enough. i have been constantely " harrassed '' by her phone calls and all the mailings i consistantly get in the mail. i receive at lease XXXX phone calls a month if not more - i am requesting to have the recorded phone conversations send to CFPB to listen to.

Company response to consumer: Closed with explanation