vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I received a Proposed Modification from Nationstar Mortgage, which I accepted via phone conversation with XXXX customer service representative, XXXX, which stated, 'If you successfully complete the Trial Period Plan by making the required payments, you will receive a modification with an interest rate of 2.750 % which will be fixed for 40 years from the date the modification is effective. ' The correspondence continued by stating, 'Step XXXX : To Accept This Offer, You must make your first trial period payment by the first payment due date designated below ' which I did. The correspondence continued stating, 'Once you have successfully made each of the payments above by their due dates, you have submitted the required signed copies of your modification agreement, and we have signed the modification agreement, your mortgage will be permanently modified in accordance with the terms of your modification agreement. ' I successfully made the XXXX trial payments and, with my attorney 's guidance, tried for months to formally execute finalization of the new mortgage without being able to contact Nationstar. Their recorded phone message cited bad weather in the XXXX area as a reason for being unable to answer the phone and I left voice messages to have them call me or my attorney which they never did. XX/XX/XXXX Nationstar sent me a mortgage modification with an interest rate of 4.50 % fixed for 40 years which we have, and are continuing, to contest as not the modification terms agreed to XX/XX/XXXX. XXXX additional documents received from Nationstar, dated XXXX and XXXX, have cited 2.750 % as the interest rate. Nationstar offered another modification at 4.25 % fixed for 40 years XX/XX/XXXX. I have continued to make my monthly payments since XX/XX/XXXX. It appears Nationstar feels they have the right to change, unilaterally, an agreement we entered into XX/XX/XXXX with impunity, even though I kept my end of the agreement. This is tantamount to moving the goalposts or changing the rules in the middle of the game when it suits them, and I feel is illegal. We are to have a court hearing XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
My complaint is that, I have been working with SPS for over a year on a short sale, as of XX/XX/2017 the first lien holder has agreed to an amount of XXXX to move forward with the short sale, the second lien holder is asking for XXXX this is a XXXX approved loan and should be accepted by SPS, both institutions have give me dates to have the short sale closed on, I have been waiting for a approval since XXXX XXXX. 
with out having a negotiator to follow thru with this request, when i call i just get a person in the ombudsman Dept. updating me with no answer yet!! this need someones attention, for this matter is time sensitive. 
thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I contacted Nationstar mortgage about refinancing my home. After they gather all information from. Right the appraisal they ask me for large sum of amount of money. when i did my research from legit site which my local assessor, XXXX, property shark. I 'm seeing that they are not treating me fairly based on the comparable of the home which I 'm going to send you information. as well I email the loan specialist many time for the appraisal to re look at the value. every time he comes back tell me a different story so i would like to get to the bottom of the real truth which I already know. it is about money not fairness of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
THIS IS BBT BANK 'S NINTH KICK OF THE MULE AND BOY ARE THEY THICK HEADED. AT THE SAME TIME I AM A TOUGH OLE BIRD. BBT YOU REALLY ARE N'T PORTRAYING YOURSELVES AS BRIGHT AT ALL. THE CONSUMER FINANCE PROTECTION BUREAU IS BRIGHT ENOUGH TO REALIZE THAT I WOULD NOT BEAT A DEAD HORSE. YOU ARE TRYING TO SKIRT THE ISSUE BY STATING YOU STAND BY YOUR PREVIOUS RESPONSE. WELL, I STAND BY MINE! THE CONSUMER FINANCE PROTECTION BUREAU REALIZES AS DO YOU WITH YOUR FAKE DECEPTION ATTEMPTS THAT YOU HAVE AVOIDED/ NOT ACKNOWLEDGED THE FACT THAT ( IN ADDITION TO NOT REVEALING WHAT YOU DID WITH THE CONTENTS OF MY SAFE DEPOSIT BOX ) YOU HAVE NOT/REFUSED TO ADDRESS THE ISSUE OF THE SAFE DEPOSIT BOX KEYS THAT I HAVE ARE NOT THE ONES I WAS GIVEN WHEN I RENTED THE BOX AND YOU APPARENTLY ARE REFUSING TO CHECK YOUR CAMERAS THAT WOULD REVEAL WHO WAS IN THE BOX ON THE AFOREMENTIONED DATES-OH WAIT, CAMERAS CAN BE ALTERED/TAPES CAN BE ERASED. THIS CAN AND MAY HAVE HAPPENED BECAUSE THERE ARE ALSO PLENTY OF DISHONEST PEOPLE IN BANKS!! AND NOW YOUR ( BBT BANK ) SENIOR VICE PRESIDENT IS SNEAKING INTO THIS MATTER. WELL, TO HIM/HER I SAY WHAT I HAVE SAID IN MY PREVIOUS RESPONSES AND IN CASE YA HAVE N'T NOTICED I AM NOT TIRED YET-WHERE ARE THE CONTENTS OF MY SAFE DEPOSIT BOX!!! SO XXXX, I LOOK FORWARD TO ADDRESSING YOU IN THE TENTH KICK OF THE MULE!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
I was in a XXXX XXXX Bankruptcy which just discharged in XX/XX/XXXX. I was notified that there was a delinquent balance on my loan and I asked for a summary of payments, 15 days later I asked again before it was finally sent. I was never notified of the supposed delinquency from XX/XX/XXXX, nor was my bankruptcy attorney.In fact on XXXX/XXXX/XXXX I called in to make my payment and was given a payment amount of {$1000.00} which was represented as the total amount due.I realize the XX/XX/XXXX payment was late but it was paid prior to a 30 day late and it was paid in the amount quoted to me by the lender 's representative. I was also notified in a separate conversation in XX/XX/XXXX with the bankrupcy dept, that I did not make a payment in XXXX of XXXX which is impossible. When I finally receive the accounting of all the payments, it shows a XXXX XXXX payment which was put in to suspense as was the XX/XX/XXXX and XX/XX/XXXX payments. Again I was never notified of any of this and when I became aware I did immediately pay the balance due with assurances that there would be no negative reporting. I have paid the outstanding amounts to avoid a late reporting on my credit while this was being investigated. I contacted the lender 3 separate times and was assured that I would not have a derogatory reporting as I am in the process of working on refinance out of this 10 year IO in which my payment just increased {$400.00} I pulled a credit report on XX/XX/XXXX and there is in fact a late reporting as of XXXX XXXX. I spent 35 minutes on the phone so far with a customer service rep trying to get this corrected. They acknowledge the reporting however they have required me to provide a credit report showing it. This will take weeks from when they receive it and I 'm sure they have records of what they reported so why require me to provide information on what they reported? When I asked to be transferred to a supervisor I was put on hold and 58 minutes later. was connected to a supervisor who found the payments I have made but is still requiring that I provide documentation for erroneous information that they have on file since they are the ones who reported it. This is a blatant disregard of federal bankruptcy law and a blatant lie to me as a customer. My attorney should have been notified of the increased payment if not me, the payments should not have been arbitrarily suspended and the lender 's bankruptcy department should have been fully aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Certified Services, Inc.
State: IL

Complaint narrative:
Medical bill was not paid by my father. It went under my name and into collections for me. It was paid in 2015 by myself and it still has not fallen off my credit.

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

Complaint narrative:
I have a mortgage account with Nationstar mortgage. We made a payment today but they reversed it, kept the money ( unapplied ) and refuses to give us explanation. I feel like they just want our house. Years ago, we ran into financial trouble due to unemployment. We seek for loan modification. They took years to process it. Then when they finally modified our house. They added over $ XXXX towards our balance, unpaid payments, and raised our payments to {$3500.00}. This caused us even more financial trouble. They robbed us. We put so much money down to buy this house. We have been paying for 9 years. Loan started at $ XXXX but now it 's $ XXXX because of the greed of this mortgage company. We want help to get forgiveness for amount they capitalized, put us in an affordable payment and help us stay in our home. Now the website shows I am not eligible to make payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Please see the attachment and cover letter for the CFPB. As a description this case involves a debt collector and account debtor consistently refusing to comply with consumer Creditor laws. Enclosed are several communications from and to the debt collectors. The debt collectors which include a attorney firm moonlighting as counsel for the account debtors are threatening illegal seizure to the Consumers Private Personal Property obtained for personal, family, or household purposes, which can not be seized at any point, especially a debt collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
On XXXX/XXXX/2016 a short sale package was submitted to XXXX and sent to Nationstar who is the servicer for the investor XXXX. They responded with a counter stating that the listing price should be {$500000.00}, The property is in no way worth that amount. I then requested a XXXX review of value expecting the lender to send a 3rd party Appraiser but they did no such thing, instead they used a computer program to determine that there will be no value adjustment. They are using the system called XXXX which does not factor the property conditions or contractors estimate for repairs. This has been on going for well over 1 year and we are getting nowhere. The system they use is tedious and extremely frustrating as i cant even speak with anyone, there is no live person or point of contact but instead agents are forced to use this defective system called XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
To give you some back ground : I, along with many others, have had my home partially destroyed by Hurricane XXXX. We are in the middle of a disaster. I am making all of my mortgage payments on time while not even living at my house. FEMA flood insurance provides no coverage for living expenses so being out of my house while still having my regular bills is draining my bank account. I would like to have my house fixed as soon as possible. 
Nationstar Mortgage is making the process of getting my house fixed very cumbersome and they are causing everything take longer. 
The first issue : FEMA issued me an advance check to be able to start repairs for {$15000.00} prior to an estimate of total damages. Nationstar is also listed as a payee. I sent the check to them a week ago, paying money I ca n't afford to have 2 day delivery because I desperately need the funds to start repairs. Nationstar is requesting an estimate to endorse the check when there is no estimate yet. Now they are indicating it will be 3 to 5 days more to review all while my family and I are sleeping on couches and repairs are being further held up. Contractors have plenty of work due to the disaster and they will not work without being paid. I still have an equity loan I need to endorse the check as well. 
The second issue : Once the claim goes over 20,000, Nationstar says that they get to hold all of the funds. I do not get to have the money I need to fix my house. This is money that I am receiving from a flood policy that I paid the premium for, not Nationstar. It is not Nationstar 's money. Nationstar says that every estimate, every check, every contractor, it all has to go through them, and they will decide whether to release the funds. This will make the process even longer. At this rate, I will not be back in my house until XXXX. 
Banks should not treat people like this. They are costing my 1000s of dollars by delaying my repairs. We are in the middle of a disaster, and they are showing no flexibility. 
This business practice by Nationstar seems very shady and is having a huge affect on those in need. 
I appreciate any assistance that you can provide. Please feel free to contact me. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
my loan was sold from XXXX to nationstar. nationstar failed to send me a letter so i was sending my payments to the wrong company. I tried to pay them this month and realized my mortgage had increased {$20.00} a month. when i called and questioned them they said that it was " projected '' that my taxes would go up so they needed more money. They claimed they sent me paperwork explaining this months ago but they did not. I do n't have the extra funds available because they think my taxes are going to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
My mortgage was sold to Nationstar Mortgage, they have called me everyday multiple times even after I sent them a cease and desist notice. I have never missed a payment on this loan and have transferred auto pay to this bank, they will not stop calling me on my house or cell phone, they are harassing me for no reason, I need help to get them to stop!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I have Nationstar Mortgage company for my home equity loan and they forced place flood insurance on me for {$560.00} I have recently payed them back plus paid them for anther year, then I went to buy my own so they don, t have a escrow on me and they refuse to except my own and refuse to cancel the escrow. they have been charging me extra and holding my check until the grace period is over and charging more interest. They even told me they would do that if I don, t continue to pay a escrow!!!! WHAT CAN I DO?

Company response to consumer: Closed
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BB&T CORPORATION
State: SC

Complaint narrative:
On XXXX/XXXX/XXXX, I accepted an offer on my home. BB & T is the current financial institution holding the mortgage on the property and it is also the lender the buyer has chosen. All required paperwork was provided in a timely manner by both myself and the buyer. Everything moved along smoothly with the appraisal and inspection. Everything that was required from myself, the buyer, the realtor, and the closing attorney had been provided to BB & T over a month ago. A later closing date was scheduled for XXXX/XXXX/XXXX by BB & T to account for the new regulations. No communication was provided at any point by BB & T about any additional delay. When I inquired my realtor if the closing on XXXX/XXXX/XXXX was confirmed he stated that BB & T did n't indicate a delay but he would check, he later stated that BB & T drop the ball and the closing is delayed without an expected date. 
I contacted the MLO XXXX XXXX in regarfs to payment as it was due on XXXX/XXXX/XXXX the scheduled closing date, she stated to just wait as surely we would close in just a few days. Fortunately I decided to make a payment to avoid a late fee since a closing date was not provided. On XXXX/XXXX/XXXX a new closing date of XXXX/XXXX/XXXX was set. At XXXX XXXX on the night before the closing, I received an email from the realtor copying the MLO email stating that paperwork was n't ready and she was sorry for " the mess ''. 
Thus far I have lost over {$1500.00} in interests, taxes, insurance and utilities due to this unreasonable and unprofessional delay and at this point I do n't even have a closing date.. 
BB & T actions ( lack thereof ) are grossly negligent as they are not loosing funds by delaying the closing, the buyer and myself are. BB & T should reimburse XXXX of my and the buyer added expenses as well as punitive damages to the CFPB to set a presidence that such irresponsible behavior is utterly unacceptable!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have a collections account on my Equifax credit report that is incorrect. I disputed an account back in XXXX of 2016 ; from a company by the name of XXXX XXXX XXXX XXXX XXXX XXXX The account was removed on XXXX XXXX, 2016 because the company failed to verify the account or provide any contracts that I may have signed with them ; because I do not have a contract or agreement with XXXX XXXX XXXX, XXXX The account has since been added back to my Equifax report. According to state and federal laws and my rights as a consumer ; I am supposed to be notified within 5 days of the account being reinserted onto my Equifax report. I was not. I was also never given proof of a " verified '' account or contract that I signed with XXXX XXXX XXXX, XXXX Aside from all of the above, the statue of limitations are up on the account for the state of Arkansas and reporting to credit agencies. To go even farther, they are not authorized in my state. This situation is preventing me from being a productive citizen. It makes me look unstable and it is unfair credit reporting of an account that does not belong to me. I would like this item removed from my credit as soon as possible and all information pertaining to me be deleted between myself and the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau of Bessemer, Inc
State: AL

Complaint narrative:
I have asked CB Bessemer Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My daughter recently tried to help us move and get a mortgage through Quicken Loans.. She was at my home and on the phone with them.. My wife was also in the room. I was busy playing with my grand kids and on the computer when this conversation was taking place.. I got alerted when I heard some personal info being shared. I immediately took notice and informed my daughter that whatever she was working on or with whom, to not let them run a credit inquiry on my behalf. I am in the midst of rebuilding my credit and did not need this at this time.. Too late. The Quicken loans representative informed me that he had spousal permission to authorize the inquiry.. I do n't understand that this is legal.. My daughter had been in conversation with my wife at the time and told my daughter it was ok to run a report.. However I did not authorize this action.. Is spousal consent legal?? I have contacted Quicken Loans and disputed this but to no avail. They tell me this is legal.. I feel very angry as I do n't think this is a good business practice.. Whom does it benefit? They did n't write the loan, my credit suffers and they walk away.. I thought Quicken Loans would do the right thing and remove this inquiry as they clearly stated they can hear me in the conversation strongly urging them to not pull my report. Quicken Loans absolutely wants to do nothing to help me the consumer. they told me to come back when my score was better.. They hurt my score by an unfair tactic.. Why would I ever want to do business with such a company! Again I never authorized this inquiry and our family is busy as others and I think Quicken loans was being very deceitful in the process of talking to my daughter.. I thought they would do the right thing when they pulled the tapes, but they refuse to do the right thing and let me the consumer suffer.. Please people do not allow your family to do business with Quicken Loans!!

Company response to consumer: Closed with explanation