vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.

Complaint narrative:
In XXXX XXXX my wife and I applied through the Michigan Hardest Hit for assistance with our mortgage due to a reduction in income and layoffs and XXXX XXXX the Michigan Step Forward program approved us for a pay down off {$24000.00} on our principle mortgage balance. At the same time we applied with Select Portfolio Services our mortgage company to refinance the balance of our mortgage to reduce the rate and payment. We sent all our current tax returns, paystubs, bank statements, paid property taxes, proof of insurance and a written letter from my wife 's employer and was told bu Select Portfolio they would not accept the pay stubs and letter because they were hand written, we were also told that they would not accept my wife 's XXXX as verification of employment. My wife has worked for the same company for over 6 years and has kept her stubs until she receives her XXXX and we file our taxes. All we want to do is refinance our mortgage to lower the rate and payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 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: IL

Complaint narrative:
NATIONSTAR FALSELY REPORTED TO XXXX AND XXXX THAT A JUDGEMENT WAS ISSUED IN MY NAME IN XXXX 2014 AND REPORTED 60DAYS PRIOR TO ANY SERVICE OR COURT DATE IN VIOLATION OF FCRA, FDCPA ETC..LASTLY LOAN WAS TRANSFERRED AND AWAITING DISMISSAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
We have been the victim of criminal and systematic loan fraud by XXXX different Loan Servicing Companies. First, a company called XXXX produced and had us sign a fraudulent HUD statement that appeared to make our payment appear low. When the payments were made there was an escrow shortage and the payments kept climbing. After my dad died, we had approximately {$1500.00} stolen from our escrow account by loancare and they PAID SOMEONE ELSE 'S PROPERTY TAXES WITH OUR ESCROW. They used this shortage to DOUBLED OUR HOUSE PAYMENT. When confronted, they never corrected any of the issues and they sold the loan to Nationstar. 

Nationstar, after discovering the criminal fraud on the HUD statement, has never corrected the issue and they have now engaged in their own predatory loan practices. The escrow due/paid each year is XXXX a year for taxes and insurance in 2015, but they collected almost {$6000.00} for this XXXX bill in 2015. The payment went up yet again and now is almost double the original amount on the fraudulent HUD statement. 

I think they are actually preying on widows and widowers intentionally. The fraud started when my husband died and it has accelerated. I had a complete nervous breakdown and my son had to rescue the home from foreclosure. 35 years we had a loan and no problems. This behavior I have witnessed is intentional, criminal and it needs to be stopped. The fraud seems to be concentrated around escrow manipulation in numerous forms. 

HELP!!!! Please and thanks!!!

Company response to consumer: Closed
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My wife passed away on XXXX 2015 after a long battle with XXXX. This was our primary home when we first got married and it carried sentimental value for me. The lender received a full modification request package on XXXX 2015. Up until my wife 's passing the file was in active review and the sale date kept getting postponed. In or about XXXX XXXX, we informed SPS of my wife 's passing and were informed we needed to send Death Certificate and Trust information. The death certificate was sent to SPS immediately thereafter. 

SPS continued giving me a hard time regarding other documents that were sent in but SPS claimed not received. I have been coping with the loss and as well with my own health issues with XXXX . I was never informed of a denial at all nor was a denial letter sent to me, up until today, I was in active review and only today I was informed the file was denied and they are moving forward with the sale on Monday. How can they dual track and review me and then last minute say Im sorry too bad you are denied, we are foreclosing on you, Please do not allow them to pull these fraudulent antics on hard working Americans, I have paid property taxes and mortgage for years, this is not how Americans should be treated. I am willing to pay my mortgage but they are not playing fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been trying to refinance my XXXX Mortgage, this was an interest only loan from XX/XX/XXXX that went to a 6 month ARM. the value is finaly such that I have enough equity to refinance. The process was started on XX/XX/XXXX. I also have a XXXX mortgage that must be subordinated through Select Portfolio Services. All requested documents were sent by me within days of request. both companies have dropped the ball on loan processing. the XXXX lien holder took XXXX ; 30 days to complete the subordination agreement. When it was sent back to them for signature, they said it did not match the good faith. When it was corrected and sent back for signature, the signature line was incorrect!!! Now for the XXXX time the subordination agreement is with them to be completed and they are still dragging their feet. this was to refi my ARM to a fixed rate loan lowering my payment by over a {$1000.00} per month. To get either company moving I keep escalating my complaints but they both are so incompetent. They are happy to take my payment on time each month for the last 10 years of course when I refinance, they will make less money. Not sure if there is anything you can do about this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
My husband and I requested our credit reports for the first time on XX/XX/XXXX and in the cases of XXXX and Equifax , we were asked questions about possible loans that we might have. For example at Equifax : " Your credit file indicates you may have an auto loan/lease, opened in or around XX/XX/XXXX. Who is the credit provider for this account? '' There were multiple choice answers. When we checked, " None of the above. '' we were told we must submit a request for the report in writing, and could not locate a person to speak to as to whether or not there is a listing under our name for a car loan. A similar question about a mortgage was given at XXXX. We have no loans, but now can get no information about whether someone has appropriated our identity to obtain loans. However, Equifax offered to sell us a better security system ( lock ) to ensure that no one in the future could use our information. Is this a scam on the part of the credit agency? I feel we are entitled to immediate information from them as to our credit rating and possible abuses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX an alleged Attorney Firm, but debt collector defined in the FDCPA along with XXXX XXXX, XXXX XXXX and Nationstar Mortgage has criminally engaged in XXXX, abuse and harassment XXXX against the named consumer and her family, household.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NM

Complaint narrative:
Nationstar Mortgage fails to drop the PMI after passing 22 % paid. Currently own 27 % of the home and the PMI is still being charged. No late or miss payments have ever occurred. I signed the form requesting the PMI be dropped and they are demanding I pay for a appraisal to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Consumer Finance Complaint On XXXX XXXX, XXXX my husband, my brother and I closed escrow on a home purchase. The initial loan had all of our names on it but when it sold the new lender dropped my brother 's name from the loan. It was n't until XXXX XXXX when he ran his credit did he notice the home loan was not on his report. I started the first of many unsuccessful attempts to reach someone from Nationstar Mortgage who could help in XXXX XXXX. 
The first experience was speaking with a customer service rep who noted my concern and said I 'd have a written response in two weeks. The response I received was a letter explaining our loan was not assumable. 
The second experience was with a representative contacting me from Nationstar 's social media department after I gave them a bad rating. XXXX XXXX asked me to send the original settlement statement, which I did. He was going to forward it to another department and I never heard another thing, neither did he respond to my follow up inquiry in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
I have filed QWRs with both of my mortgage holders. I believe that the response I received from both companies does not meet the legally required guidelines that have been set forth. They seem rather condescending and unwilling to provide the requested information. I do n't believe that said information is proprietary or restricted in any way, after all it is my loans that we are discussing. 
I would greatly appreciate any assistance in obtaining my requested information from these XXXX companies. I would like to know the legal status of my loansl I have attached my initial correspondence with both companies. 
Thank you for any assistance you may be able to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
See attached letter, e-mails and documents None of the mortgage options as to where in the process is my issue, suits my situation. Had to select one to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I am 3 months behind in mortgage payments on a rental property. I contacted the mortgage company to discuss options like short sale, deed in lieu of foreclosure, etc. The mortgage company refused to speak with me or even to transfer my call to the short sale or deed in lieu department unless I gave them my husbands social security number. I bought this property before I was married and my husbands name is not on the lien, the title, nor anywhere else related to this property. My husband and I do not file taxes together either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I have been since XXXX of 2016 requesting a short sale I have been working with SPS, I Have submitted many complaints to try to get the problem of SPS asking repeatedly for document 's they say need to be updated only do to SPS not processing them in a timely manner, as of XXXX/XXXX/16 the complaint I submitted was answered ( with SPS needs more updated document 's ) ( that is the Complaint ) it has been almost a year. on XXXX/XXXX/16 I was referred to the Ombudsman XXXX. to expedite the paper work for my short sale request. I have spoke to a number of people in the Dept. the last to be supervisor XXXX XXXX XXXX who on XXXX/XXXX/16 I was told I would have a answer, in XXXX to XXXX hours since then, I have not been able to get a phone call back and I did not receive a answer but I did get a request for more updated document 's, on XXXX/XXXX/2016 my biggest concern is that SPS has required the title company XXXX XXXX ) different times to change the PRE HUD this last request is that line XXXX be correct to have a number that Bank XXXX XXXX gave them as a payoff amount 8 months ago, be changes, this is a Pre Hud the numbers are not to the penny, and will not be XXXX SPS has a closing date I have spoke to Bank XXXX XXXX, they close the file, in 30 days by law iff a short sale is not completed. SPS has cost me to lose my lawyer to represent me, due to the repeated request for updated document 's, they have had XXXX XXXX XXXX restart my file over many times, causing the realtor, to redo there part of the short sale, and my husband and myself costing me money to keep the unit overhead paid every month, that we do not have. I have now had to go to a debt consolidation firm to help with my bills, I need this to be over with. 
I have been not able to get a return call from XXXX XXXX in the XXXX XXXX. to tell me what happen. 
I have made many complaints, and I get the same response fro SPS we need more document 's updated, I am hoping this time XXXX XXXX will contact me, with a solution to this on going problem. 
it has been 8 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Good morning, Acct # XXXX name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX , XXXX , Pa XXXX. My mortgage is with Nation Star Mortgage. The facts of my complaint are as follows : under RESPA a mortgage company is required to remit overage paid in escrow upon notification and proper due diligence. I have such an overage and I notified Nation Star Mortgage as soon as I received a letter from the county clerks office. Nation Star instead of following standard procedure botched the process and the county office did not remit my payment as required. Additionally, I have a cease and desist order on, my account. This means all communication must be done via mail ; Nation Star continues to harass me with solicitations and on XXXX Nation Star representatives called me XXXX. I need them to fix their incompetents and correct my escrow as soon as possible. Please have them stop call me. 

Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Nationstar had acquired my mortgage from XXXX XXXX XXXX sometime in XXXX XXXX after I purchased my house on XXXX XXXX XXXX XXXX, NY XXXX in XX/XX/XXXX or XX/XX/XXXX. I subsequently sold the house on XXXX XXXX, XXXX to XXXX XXXX. It came to my attention in XXXX XXXX while doing my income taxes, having received tax documentation from NationStar, that they had paid {$5500.00} of my escrow for the XXXX taxes for XXXX XXXX . I contacted Nationstar, they agreed it was an oversight however, they REFUSE to refund the {$5500.00} to me. I am requesting that not only the {$5500.00} be returned but also treble damages be attached in the amount of {$16000.00} for Nationstar 's blatant refusal to address my issue, even after having admitted to their mistake. I also ask that a 3.99 % interest rate be added ( current mortgage interest rate in my area ) making a total of {$23000.00} to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: AR Resources, Inc.
State: PA

Complaint narrative:
This company is charging me a debt I do not owe. There are errors that are reflected on my credit report of debts that do not belong to me. I want this collection removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This company, Select Portfolio Servicing , Inc ( SPS ) is a mortgage loan servicer. 
The company calls our phone number, a cell phone as early as XXXX in the morning repeatedly. We have asked them to stop XXXX times. We have been patenbtly clear they are calling early. 
They claim since the phone they 're calling has a XXXX area code ( time-zone difference ) they do not have to stop. Even though all our account information including the mortgage property address is in California and always has been. On occasion they apologize and say they 'll resolve the issue. They do not/have not resolved it. Occasionally SPS is combative and claim no responsibility to solve the problem. 
We need to communicate on that phone but not before 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 2015-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
The XXXX mortgage on my house was bought by Nationstar Mortgage during my Chapter XXXX bankruptcy and the XXXX mortgage was legally discharged when I successfully completed the bankruptcy in XXXX 2014. I completed and filed the legal documentation in XXXX XXXX County, CA re : stipulation resolving the complaint. Instead of reconveying the mortgage within 30 days, I then began receiving bills from Nationstar, saying I owed them XXXX of dollars and the company reported the false info to the credit bureaus. After several calls and faxing proof, Nationstar kept insisting that I had to pay the XXXX mortgage. After I got my lawyer to send proof of the discharged loan, Nationstar finally noted that they would reconvey the mortgage, but it is still " in process ''. Nationstar should have stripped the lien last year. When I was in escrow to sell the house after having to move for a new job, I found out the lien was still there and I am now losing XXXX of dollars and will probably lose the house to foreclosure because of Nationstar 's delay in reconveyance of the mortgage. I 've called Nationstar weekly and it is still " in process '' although I was told it takes about 30 working days to reconvey it. Is there anything else I can do to get this resolved legally?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
My mortgage company is auctioning my house XXXX XXXX, 2015. I never received court notice of them trying to do this, I was lead to believe that they were trying to help me save my home. All of the modification paper work that they have sent me, I have faxed and mailed back, each time I finally get them to answer they tell me, I have a page or XXXX missing, so I resend the page they say is missing only to be told a different page is missing. I have even resent the whole packet of paperwork. They are also saying I owe {$30000.00} on a loan that was refinanced through them 14years ago. that was originally XXXX. I recently submitted the modification paperwork again, and have been leaving messages and have not received a call back as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I had a fraudulent flood insurance policy taken out on behalf of my mortgage company ( Nation Star ) and rolled into my escrow account. On numerous occasions proof of new zone/mapping areas where sent to highlight and prove that flood insurance was not needed. I live on the XXXX floor of my building where FLOODING would never occur. 
My mortgage payment ballooned from {$1600.00} to {$2200.00} from one month to the next. 
As the policy was the most exuberant one, it was {$2400.00} for the policy - my XXXX only cost XXXX. 
I was late in paying my XX/XX/XXXX bill and had a foreclosure package delivered to me the XXXX week of XXXX. My credit score has gone down XXXX points for this horrific and erroneous mistake. The Florida Supreme Court has filed a class action law suit against them, as they defrauded XXXX customers out of their homes. Nation Star also owns the insurance company XXXX XXXX in which the fraudulent insurance policies where processed. In addition to the fraud, I was denied a refinance to assist me in my debt and change lending companies. 
Can you help me?

Company response to consumer: Closed with explanation