vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
I filed complaint # XXXX. Nationstar Mortgage was a part of the complaint. The Company answered backed on the complaint stating they were unable to locate the account in question. The account number in question is XXXX should n't have been a problem to find the account that referred to me, especially since Nationstar transferred a check out of my name and refuse to return it to me. They had me to endorse it and had me under the impression that they would be sending it back to me to make repairs on my home. The check was never sent to me. I also have other documents showing an account was in effect with Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
Mine and my husbands mortgage has been sold a few times in a couple of years. We have been trying to refinance for a few years now. We were with XXXX XXXX Loans until XXXX 2015 when they sold our mortgage to SPS Select Portfolio Servicing and that is when the trouble started. When we were with XXXX we fell behind a month and we were trying to get it paid back but because my husband lost some income and a few unforeseen bills we were unable to catch it up. When SPS took over our mortgage we had explained the issues we were having but they did not care did not want to hear about it. I tried to go thru a hardship with them but when XXXX of the people there started telling me what documents they needed I started to ask questions. She then said they needed a copy of our bank statement and I said to verify our income right and she said " NO WE NEED TO SEE WHERE YOUR MONEY IS GOING TO ''. I said that where our money goes is really none of their business she said well we need it. I would not send them anything after that. In the middle of XXXX I called SPS to try to make arrangements for the Payment for XXXX which I did set up and the person I was speaking with said that if I made a half of the payment we were behind they would put it aside in our account until we could make the XXXX then we would be caught up. A couple of weeks after that I received a letter from SPS saying that we were three XXXX XXXX ) payments behind and they were going to forclose on us. I called them and the gentleman I spoke to said that they did not receive a payment for XXXX when I ask why I was just now hearing about it he really had no answer now where they are coming up with three payments I have NO idea. We knew we were behind XXXX ( XXXX ) payment but where they came up with XXXX we do not know. We were told to contact you to see if you could handle this for us. We have been trying to do a refi on our house for a couple of years now we do n't qualify for harp because we are upside down. We are paying 8.5 % interest and no one wants to help us. I think SPS is trying to just take our home. We are a family of XXXX our XXXX daughter is XXXX and lives at home with us and I do n't know what I would do with her if we lost our home. I was told that XXXX XXXX Loans sold our mortgage because they were afraid that they were going to get in trouble for being a Predatory Lender. Please help. 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 2015-11-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX my husband and I took an auto loan from Regional Acceptance Corp for a XXXX Ford Escape. In XX/XX/XXXX the vehicle was totaled in a car accident that was not my fault. At this time we were still making our monthly payments of {$370.00}. Our insurance company, XXXX, required a payoff amount from them and XX/XX/XXXX sent a check to them for {$6600.00} to pay off the vehicle. We are now buying a house and found out that they have been reporting us late to the credit bureau every month since then stating that we still owe them {$3700.00}. I have been calling them to discuss this 4 times a day everyday for the past week. I can not get anyone to answer the phone and I have left over XXXX messages and have not received a call back at all! This false debt is the only thing standing in the way of my husband and I being approved for an FHA mortgage to buy our home. I do n't know what to do now. I have had nothing but problems with them since we acquired our loan XX/XX/XXXX and I have read nothing but negative reviews about them concerning all of the same problems as we are having!!! Please help!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I been been late with my payment and tried to get accommodation i was calling them and they said i was to late and now full payment is on demand. They finally told me to try to remodtional my loan and just got the run arond till someone took the time to go over my fininial need. They do n't like to commution via email you have to all and wait XXXX to XXXX mins to get a hold of someone. I reply to the spvr who was in charge of my loan via email and never a reply back. When your in the process of remodation no dept speaks to each and now I 'm getting letters from they mortgage attoney about suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONS LENDING CORPORATION
State: FL

Complaint narrative:
First off I did not receive disclosure XXXX days prior to closing neither did seller. Then at closing my disclosure numbers were different from sellers. I thought the figures should be the same. We did not see this until a few days after closing in meeting with sellers. They deducted {$4800.00} from sellers check that was a deposit already taken of top of loan. Also sellers copy of disclosure date issued XXXX and it is a faxed copy which I did not see at closing. The date issued on my disclosure is XXXX so why were these numbers not on my disclosure and mine is a original and not a fax.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
XXXX XXXX of Quicken Loans. Every time I come close to closing the mortgage loan.. He would come up with an document that he could have asked me for several weeks ago. I have a high credit score and he has asked me for a document on four separate closing occasions. Today close to closing he stated that 60 days of account activity were missing on my bank statements that I 've faxed to him two weeks ago. The bank teller printed out those statements and signed those pages. I have been going through this with him for almost three months. I have searched the internet for complaints. I found XXXX people who had the same problem with XXXX XXXX of Quicken Loans. There are many who had the same complaints about Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
As stated on the Consumer Financial Protection Bureau website, " Your mortgage lender is the financial institution that loaned you the money. Your mortgage servicer handles the day-to-day tasks of managing your loan. Your loan servicer typically processes your loan payments, responds to borrower inquiries, keeps track of principal and interest paid, manages your escrow account, and may initiate foreclosure if you miss too many loan payments. Your servicer may or may not be the same company that gave you your loan. '' Specifically, we are disputing a ) the identity of a true secured lender. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender to the alleged current lender. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender. I would also like to state that there is a difference between a LENDER, a SERVICER and an INVESTOR. We are specifically asking WHO THE LENDER is and this is the question that needs to be answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I XXXX went to my mortgage company wanting a modification they give me XXXX saying it was in house I could afford my mortgage then they came back saying the house mortgage is over an give me permanent modification that was to high I ask for a lower interest rate other than the 6 % they give me they said they do n't have to I could not afford the mortgage an it got me behind in my payments. I had to go to my XXXX to get money to try an make those payments an that got me in trouble with the IRS an trying to make the house note left no money for anything else

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
the servicer for my mortgage Nationstar Mortgage has given XXXX to Service instructions to commence with a sale date of XXXX/XXXX/2015 without my knowledge, my knowledge while I am in the Modification process, this is totally illegal. nationstar has been a " nightmare " to work with. they have been giving me the run-a-round for months, with the same XXXX for months. I get phone calls once in awhile, which I respond to but they do n't leave a message often, I happen to check my calls. 
alls. It 's the same story, they did n't receive certain info, could n't read some forms, different Reps working on my packet and never calling you back until they feel like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: WV

Complaint narrative:
In general, I have been erroneously charged nearly {$500.00} in fees since year 2010 by the Branch Banking and Trust Company ( BB & T ) ( hereinafter " the bank '' ) I have reported this to them, and they have responded inadequately, and continue to deny to me in an unethically and likely illegal fashion reimbursement of these funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I am an XXXX member of the XXXX. I purchased my home in XXXX, paid the mortgage every month as agreed till now. Unsure how Nationstar Mortgage damaged this consistent payment, but they stated i did not pay my Mortgage for XXXX, XXXX and XXXX of XXXX then reported me 120 day past due in my credit report. My bank XXXX faxed documents ( Bank Statements ) proving all payments were sent electronically directly to them on time. Multiple calls were made, 3 internal Nationstar investigations/research completed, with no conclusion other than letters from Nationstar threatening FORECLOSURE!!! Nationstar has not only cause Pain to me and my family mentally and emotionally they have disrupted my financial standing by double dipping in to my checking account causing overdrafts and NSF. After informing them that i have the Credit Trace and File trace number for all the transaction made, they informed me over the phone it will be adjusted. I requested all findings be forwarded to my email for proof to my employers ( XXXX ). How is it that this company gets to XXXX up with no consequences? the damage has been done to my family and way of living, the mental and financial scares are deep. What is even sadder is i literally have fought and continue to fight and placed my life on the line to protect the freedom they enjoy today. Months without my children and wife, yes i understand i chose this, but does that make it ok for them to treat me like an XXXX or second rate citizen? I plan on taking legal action, i need help please. 
XXXX in need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Hi! I called Quicken Loans to get some rates for a home mortgage refinance. They quoted me some rates for the 20 year loan that I was looking for. I have been very clear that I was shopping around for rates. The rates they gave me were worse than what I was getting from another lender. Then I decide to proceed with another lender who run my credit report and I see in that report that Quicken Loans has run my credit without my authorization or giving them any documents. 

This has adversely impacted my credit score and increased the cost of my refinance mortgage by {$3000.00}. 

Two days later I get documents in mail from Quicken Loans asking me to sign on the documents to proceed. This is when I have not agreed to proceed with them on the loan even. 

Pls help. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolios Servicing and XXXX Bank as trustee for the holders of the XXXX Mortgage Trust XX/XX/XXXX are attempting to foreclose on my property located at XXXX.The assignment that is being used was created and robo signed after the cut off date of the trust ; according to the pooling and servicing agreement filed with the S.E.C all mortgages were to be conveyed by XX/XX/XXXX. The assignment was also created, and notarized in Florida when the property is located in XXXX. I submitted two Qualified Written Request to select portfolios and neither of these documents have been addressed. 
SELECT PORTFOLIO SERVICING 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 2016-07-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I wrote a letter to XXXX on XXXX/XXXX/2016 stating that I have no money to make payments on the credit card. I stated that I am now on a fixed income & the income that I receive from Social Security XXXX are totally used up covering my minimal living essentials. I ask them to close the account & to please cease and desist from all future attempts to collect on my balance. Any correspondence related to my account should be conducted in writing to the address. Do not attempt to contact me by phone. And not to discuss or contact anyone regarding my account. I also wrote that I have become XXXX. I have received calls from debt collectors. The call I received Saturday XXXX/XXXX/16 had me crying so hard because I could not pay my minimal. I told her {$25.00} I could and it would take away my food. She started questioning me about if I had stocks, investments so I could pay. Told her no and she made me feel so ... .small, upset because now that I have become XXXX my life has changed dramatically and it 's really tough. I told her that I mailed a letter to the billing inquiries in XXXX, NC and she told me that I should 've sent it to XXXX, NC so I sent another one. ( If it is recorded, I ask BB & T to listen to it. I felt harassed, bullied and her demeanor was very mean. ) I received another call XXXX/XXXX/16. The lady was nice and kept apologizing because I felt so bad. She mentioned that they also had to close my XXXX and I said that was fine because I never used it. Now I am receiving letters from the bank saying that they 've denied me of the XXXX and turned it over to XXXX XXXX XXXX XXXX. I will continue receiving the statements with late fees of {$37.00} continuing to add up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
We tried for years since XX/XX/XXXX to get a modification after my husband got sick and was not able to work driving long distance trucks any longer. We started with XXXX XXXX Mortgage but they sold our loan as soon as I made the request for a modification. We were sold to Nationstar Mortgage. It took over a year to get everything done with them. The modification went through on XX/XX/XXXX. Our mortgage was lowered from {$1400.00} to {$1100.00} with fees of {$15000.00} and 10 years added to our mortgage. Around XXXX we received notice that our land/house taxes with the county was not paid. I called Nationstar and they realized when they did the modification they left off the taxes from the escrow. They paid the taxes BUT when they reassessed XX/XX/XXXX, they notified us that the payment would go up due to the reassessment to the {$1400.00} which was the same payment it was before the modification. Therefore we paid {$15000.00} and got 10 years added to our loan to get a modification and lower our house note only to once again see the payment go back to the original payment because they made a mistake in the initial paperwork. This does not seem ethical or fair to a consumer already in trouble with making the payments. Please help us with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
agents from Ocwen keep calling asking for a XXXX XXXX and that person do n't live here and I do not know anyone with that name. I have asked this company to remove my phone number and explained to them that the person they are asking for does n't live here. the first call I requested to be removed was on XXXX/XXXX/2015. on XXXX/XXXX/2015 they called and we went through the process again on XXXX XXXX and again on XXXX/XXXX/2015. I called the company back on XXXX/XXXX/2015 and asked for a manager and gave that person the same information. Every time the call has ended with them letting me know my phone number has been removed and they were very sorry. They called again on XXXX/XXXX/2015 and we went through it all again this time I called back and was on the phone with them for over an hour being switched form person to person and the were confident my number was removed from there list. Well they just called again on XXXX/XXXX/2015 and I lost it this time. yelling at them to remove my number. Sorry but these people need to be stopped. there phone number is XXXX and company Name is Ocwen Debt Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN Loan services added {$420.00} to my escrow balance for lender-placed insurance coverage for 3 months. I had this mortgage for more than 10 years with GMAC. OCWEN took over servicing the loan 5 or more years ago. They sent me letter about getting a XXXX insurance in XXXX 2015, I told them my XXXX provides insurance that covers both the inside and outside of my condo unit. OCWEN was going to check with my XXXX, then call me back to let me know if I need additional coverage or not. They never call me back and in XXXX they send me a letter saying that they bought an XXXX insurance covering for {$320000.00} ( this how much my whole unit is worth ) on my behalf for {$1400.00}. No one could tell me why I was n't told, that after checking with the XXXX, which they did not, that I need a XXXX coverage for the interior walls. While discussing with OCWEN I went and bought an XXXX coverage for {$320.00} for the whole year, sent them a copy and they credited my escrow account for {$1000.00} and said I 'm responsible for 3 months or {$420.00}. The following month they raised my payments more than $ XXXX month, I had to call them several time to have them reverse the new monthly payment. The lender-placed insurance OWCEN said they bought for me, show on a " declaration page '' that is was issued by XXXX XXXX XXXX. I called XXXX XXXX XXXX and I 've been told the policy number I 'm given does n't exist and they said they do not do " lender Placed '' business with OCWEN and they were surprised OCWEN will have their name on a fake evidence of insurance. 
I called OCWEN to tell them and ask them for a copy of the Master Policy. they said they do not have XXXX, all they have is a declaration page. They ca n't prove that they bought an insurance policy on my behalf! all I 'm asking at this point is a copy of the master policy of the XXXX insurance they bought for me, I think I am untitled to the master copy if I am paying for the coverage, or my money back, {$420.00}. 
How can this happen in XXXX! OCWEN is hiding in XXXX and running the most fraudulent and unethical business practices I 've never seen. It has to be something we the consumers can do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: First Associates Loan Servicing LLC
State: FL

Complaint narrative:
I went to XXXX XXXX and was told i needed to get a Peaks loan to cover my Temporary Credit balance, or else i would need to pay the full amount of the temporary credit and the follow years tuition or else I would n't be able to finish my degree program.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Several times this past year for example, Ocwen has sent notification of loan payment increases. Three times claiming to be for Escrow shortages. Once within two weeks. Now I get after sending in the amount, posted, now another increase. They seem to either can not add or subtract or are attempting to commit fraud by claiming false chargers.

Company response to consumer: Closed with explanation