vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My father died in XX/XX/2014. He had a reverse mortgage on his home. This company, XXXX, initially told me to provide a copy of the will, death certificate and request for extension on the loan so that I could sell the property once the probate court issued the Letters of Administration to me as the executor of the estate. XXXX then for XXXX months refused to speak with me advising that I was not the borrower while simultaneously acknowledging that the borrower had died. I filed a complaint with the California XXXX XXXX and XXXX finally acknowledged I had provided everything they needed to speak with me and to review an extension, but they also began foreclosure proceedings on the home. Now, although they have provided me an extension until XX/XX/2015 to sell the home they have filed default with the county where the home is located. They have yet to respond to any of my requests asking to resolve this seemingly unethical behavior. Their hired attorney refuses to return my calls or requests for information in writing. They filed the default while having all of the information they requested to provide an extension. There is equity in my father 's home and I believe this is why they are acting unethically. I believe they are trying to obtain the property through underhanded tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Consumer Real Estate Finance Co.
State: IN

Complaint narrative:
I applied online to Consumer RealEstate Financial Co I was instantly prespproved for a {$15000.00} loan I found a home sent all necessary paperwork this company had me send paperwork more than 3 times I had to pay {$570.00} for an appraisal that they picked and had to take a class which I paid {$75.00} they said if I took the class I would get a better interest rate all this went on for months by the end of the 3 month they said I would have to pay my car and a credit card off my realestate agent also had trouble getting someone to call them back about certain questions at the end of the third month the seller was ready to put house back on the market because this fianc was still slacking on the loan my realestate agent told me to submit everything to a local fianc company I did so and closed within 10 days for a fixed lower rate that the other company was gon na do those 3 months were a nightmare I feel that I should be reimbursed the monies for the appraisal ( which the fianc company I was approved ) could not use and reimbursed for the class I had to take. I appreciate help getting my money back XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We submitted documentation requesting a modification for several months due to a financial hardship. The company Nationstar continue to say documents are needed after documents were sent several times. It is a burden and very frustrating to comply with the systems request of documents and they fail to process them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My mortgage company continues to call from the XXXX of the month asking me if I have made my mortgage payment. It is technically not late until the XXXX of the month but they start calling on the XXXX of the month until I either answer the phone and state it 's on automatic dialer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
Nationstar Mortgage has kept my excess escrow from 2015. They still are charging my account an escrow fee even though I 've paid the taxes and insurance directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My lender is Select Portfolio Servicing. And, not by choice! My loan was sold to them by XXXX XXXX XXXX a year and half ago. Its been XXXX ever since! 
I had XXXX messages from my Relationship Manager so I called back SPS. While I am waiting for a human being to pick up, the recording is giving me the latest update on the status of my account. It starts off with " your forbearance payment of $ XXXX was received on XXXX XXXX, 2015. Your next forbearance payment of $ XXXX is due on XXXX XXXX, 2015 ''. 
I was shocked and horrified! I am NOT in default on my loan payments and yet, according to this account update from SPS, I am! When I do get XXXX ( relationship manager team ) on the line, I ask her about this. Mind you, this conversation is being recorded. I say, good! We will need the proof! XXXX starts off by telling me that I am confused! She says I am paid up ahead and that my next payment is not till XXXX 2015 ; further that since I paid extra, the XXXX amount is that much less. 
So, I ask her what happened to my XXXX payment that I made -- -on time, mind you. I get silence! Then XXXX insists that I am paid up ahead and that my payment was applied to XXXX 2015. Again, I question this statement and action on the part of SPS because I paid for XXXX 2015, on time. Finally, XXXX says that my XXXX payment triggered the Trial Loan Modification that I was approved for. 
Yet again, I am shocked and not a little terrified! Because, from what XXXX of SPS is telling me is that SPS took my XX/XX/XXXX-on-time payment, applied it to XXXX thereby forcing me to be in default!!!!!! Further XXXX is telling me that the Trial Loan Mod that should not have been triggered except by MY payment of their required amount by XXXX XXXX, 2015 was triggered by my XXXX payment! Even though the correspondence from SPS clearly indicates that the trial loan mod would only be triggered by my payment of $ XXXX by XXXX XXXX, 2015! 
So, I want CFPB 's help with this problem with SPS. SPS is operating outside the law and has committed FRAUD. What they did by forcing me to be in default when I am not is ILLEGAL!!!!! 
I would appreciate guidance as to what my options are in this case where my lender is corrupt and committing illegal acts as well as fraud with the mortgage loans that they service. 
Thank you in advance for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
mortgage holder changed hands. New provider escalated interest rate in excess

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
With all payments current at the time ( XXXX our current mortgage company XXXX XXXX XXXX took {$49000.00} in mortgage payments and decided to move it to other and as of that point we were indtsntly 3 yrs behind on our mortgage then they flipped our mortgage to Nation star who as we all know at that time was a collection agency under XXXX XXXX XXXX since XXXX in court papers we were being foreclose on by XXXX XXXX n Nation star all our dealings with the foreclosure were always directed to Nation star who refuse to deal with us in any manner saying I was not XXXX of the owners and to this day I never had an act with Nation star so how did the manage to get a deed in XXXX ( XXXX ) without ever having a note transfered by law the last recorded legal deed was by my original loaner XXXX witch Nation star kindly sent me a copy of in my foreclosure packet I want my home back no refinance the broke every law in the book and should be punished according shut them down from ever doing this to any more Americans

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX SPS currently has an authorization for XXXX, and a complete short sale package. SPS is refusing to work on this short sale until the Broker from the Listing Agents firm is authorized by the homeowner. This is absurd and unnecessary. The homeowner has NOT authorized this person ( the broker ) to be on the authorization. SPS is claiming the investor is forcing this to be a part of the short sale. The investor does not yet own the property and has no right to determine who is the authorized party. Nor does the listing agent need to be authorized with SPS in order to list the property for sale. 

SPS does these types of delay tactics on EVERY SHORT SALE WE HAVE EVER HAD WITH THEM. Another delay tactic used by SPS- on this file and every file we have ever had with them - is to piece-meal their document requests. In this way, they are dragging out the decisioning process, collecting additional servicing fees, and defrauding their investors. 

We have had multiple investors pull all of their loans and move them away from SPS -- likely they have gotten wise to SPS ' FRAUDULENT ACTIVITIES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage XXXX XXXX XXXX XXXX Tx XXXX are not provide homeowners with prompt, regular, and accurate information about their mortgage loans statements before XX/XX/XXXXbsince the life of the loan beginning XX/XX/XXXX. Under the new federal rule, which went into effect on XX/XX/XXXX, mortgage servicers must send monthly statements ( there are some exceptions ) that contain detailed information about your payment, delinquency, and who to contact for questions. I have called three times regarding statements not being sent timely. I have to waste printer paper and ink to print my payment coupon. The also have a pending class action suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Merchants and Medical Credit Corporation, Inc.
State: IN

Complaint narrative:
The company failed to provide me with a right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I applied for a mortgage loan with NATIONSTART '' s lender. 
the closing date was on XXXX/XXXX/2016. 
I spoke all the time with XXXX XXXX Purchase Mortgage Professional NMLS : XXXX Greenlight Loans, a division of Nationstar Mortgage LLC Corporate NMLS : XXXX Phone : ( XXXX ) XXXX. 
I summited all DOCS to them. 
they knew that after 30 days of the contract, I will loss the DEPOSIT AND THE HOME INSPECTION as it was stipulated on the contract of the house. 
On XXXX/XXXX/16, I called XXXX and I asked him that the closing was on the next day XXXX/XXXX/16, he got upset with me and told me that he will return me all my documents. I NEVER requested my documents. Anyway, he sent me an e - mail saying that I requested my documents then after I requested to finish the process. XXXX XXXX sent me a DENIAL LETTER. 
I could n't understand if they told me before that the loan process was OK and that the only thing they need was to verify one document.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I submitted a request for mortgage modification from my Nationstar Mortgage and I am into the 3rd and final month of trail modification awaiting new loan. I found yesterday from my home insurance company ( XXXX ), after I notice they have not been paid by Nationstar and we called to see why. I have left several messages for my ever changing " Dedicated Loan Specialist, '' who is now, XXXX XXXX ( XXXX ) but, have yet to speak with her. Her assistant call me and I attempted to call back at number provided, but of course no one answered. Get to the point, my insurance company was told by a Nationstar representative that they were going to forclose on my home and they do n't intend to paid escrow insurance payments to them. They never intended to give me a modification! They are valuing my house at {$320000.00} and I had an independent real estate company pull comps and they determined that our home at max is worth {$100000.00} on today 's market and that they suggested it be listed at {$94000.00}. I sent all info since they said assumed the value at about {$160000.00} initially. Well if that is the case then why are you basing the modification loan at {$320000.00}? Also, I had asked who is my lender and they would not give me a straight answer. I am still trying to find out who actually brought the foreclosure or if even they had the right. It was not XXXX XXXX the trustee and it was n't Nationstar the servicer. The court just walk over the issue and allowed this to happen without have them produce valid proof. We did not sign anything in bright blue ink! Loan documents or at least ours, was done in black! I do n't believe that there assignment docs are in order either and I have been unable to get copy. That was part of my formal request to them to know who the real lender and holder of my mortgage was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NH

Complaint narrative:
On XX/XX/2016, our home was flooded after a pipe froze. We filed a claim with our insurance company. They in turn released checks in my name and in the mortgage company 's name, NationStar. I contracted with XXXX separate contractors to conduct the repairs. NationStar deposited the check and, after sitting on the money for XXXX months to presumably earn interest on it, released a portion of the money to XXXX # XXXX. XXXX # XXXX conducted their work and submitted a bill on XX/XX/2016 for {$18000.00}. The mortgage company is refusing to pay XXXX # XXXX because XXXX # XXXX has not completed their work. Late fees and interest will begin accruing on XX/XX/2016, and yet the mortgage company is still refusing to release any money to XXXX # XXXX, whom has finished his work. I have spent dozens of hours on the phone with NationStar speaking to several representatives as well as a " XXXX '' without success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
In reference to complaint number XXXX, we have not received a response from Nationstar. Per their last communication to us, Nationstar was to provide a response by XXXX/XXXX/15. It is now XXXX/XXXX/15 and we have not heard from Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
US BANK, As Trustee, Successor in Interest to XXXX Bank, NA, as Trustee For XXXX Mortgage Trust XXXX XXXX XXXX, MN XXXX XX/XX/2016 QUALIFIED WRITTEN REQUEST XXXX : Acct # XXXX / XXXX To Whom It May Concern : This request for information is submitted pursuant to Regulation X XXXX under RESPA. This request is not duplicative of any prior request for information on the above referenced loan account ( XXXX ). 

We have received correspondence indicating that a certain XXXX was consulted and named as a " Foreclosure XXXX '' representing US Bank, As Trustee etc. in a foreclosure matter in New York. Please provide the following information within the time frame pursuant to applicable regulations : 1. Is XXXX an employee of US Bank XXXX XXXX? 
2. If so, How long has she worked there? 
3. What is her official title? 
4. What is her job description? 
5. What training is required for her title designation? 
6. Provide the name of the department or division she works in. 
7. Provide the name of the department or division head. 
8. Is XXXX XXXX authorized US Bank to participate in a foreclosure action? 

Thank you for your cooperation and timely response. 


Yours truly, XXXX Cc : Consumer Financial Protection Bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
To whom it may concern : I had a loan with Nationstar Mortgage since 2010 I was selling my home and I missed 2 payments and had set up a repayment plan and paid the first of 3 installments. I had an offer on the house as it was for sale and talked frequently with Nationstar as we got closer to closing and even though I missed payment 2 of the payment plan I told them the closing date was just 15 days after the payment was due. Then XXXX XXXX from XXXX called to get payoff and all documents needed for closing, the day after that happened Nationstar all of the sudden put {$4700.00} in legal fees 5 days before closing after I had been in constant contact with them. No one from Nationstar or the Attorney themselves can justify what was done for the {$4700.00} XXXX also looked up my home and there was nothing started or posted about a foreclosure on my home. I have paid off this loan and am disputing with Nationstar about the fees but they are giving me the run around and are not providing any documentation as to what the fees went to. I admit I was behind but i was very open and honest with Nationstar and told them this was a done deal with the sale of the house and the way they conducted themselves and put the fees on right before closing was very questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
Nationstar Mortgage is forcing me into foreclosure. My husband passed away in XXXX of 2014, and we had a credit life policy with XXXX XXXX. After paying for the policy for 8 years, the lender cancelled the policy with no option to renew. My husband passed away two months later. Currently, Nationstar has, in its possession, more than a full monthly payment. I have attempted to make a payment in XXXX and XXXX, but Nationstar returned XXXX payments. At this point, Nationstar says I am XXXX payments behind, but if they would post the money they already have held in a suspense account, and they would 've accepted the XXXX payments I attempted to make in XXXX and XXXX, I would only be due for XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
We applied for a residential mortgage on XX/XX/2017 directly with Quicken loans We locked the rate in at 4.375. My co applicant was the main point of contact and over the course of 90 days, she expressed frustration on the lack of response, confusion over fees which changed constantly I took over as the main contact in XX/XX/XXXX, identified what I perceived as the fees disclosed from the various disclosures and an assurance that we would close by the next rate lock of XX/XX/2017. I was told that everything was in place and no problem going forward. The process moved from person to person with a complete lack of timeline. The XX/XX/XXXX rate lock passed despite earlier assurances to the contrary. XXXX was told that there would be no problem with the rate lock being extended at no cost. We received a disclosure dated XX/XX/XXXX which was agreeable. 
The process continued to drag and when the final numbers were put to us, the closing costs were XXXX compared to the XX/XX/XXXX disclosure of {$3500.00} in closing costs after a constant flipping between the discount rate and the credits back to us. This is a difference of {$700.00}. The responses back from Quicken/XXXX XXXX were unbelievable " I would be upset if I was in your place ''. " There is nothing that you did wrong ''. " This is as good as it gets ". At my insistence on speaking to his supervisor, I was told " You can but it wo n't do you any good '' XXXX supervisor XXXX XXXX gave me the same message " There are no more credits to give '' Since the rate lock was coming up again and the appraisal was due to expire, we reluctantly proceeded to closing and signed the papers as is. 

When I reviewed the documents, Quicken had put both of us on the Deed of Trust despite our agreement that I would only be on the loan and not the property. When I questioned this with a Quicken " title expert '' XXXX XXXX, I was told that the deed only affected the loan and not the property. Wrong! 

Now I am having to employ an attorney to prepare a quit claim deed and have it recorded and pay a transfer tax ( as well as legal fees ) in order to remove my name from the property. I am damaged in that by paying {$700.00} more in fees, there was less cash disbursed to me and now my co applicant has to pay me that cash out of her pocket. Overall I feel that we were deceived and having to pay additional fees. I have no doubt that Quicken wanted this loan to go away because the rate was under market and at no time did I feel that they were making the process clear and helping us close the loan. I am a banker and know what I am doing so I hate to think what an unsuspecting lay person would be subjected to.

Company response to consumer: Closed with monetary relief