BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am facing a foreclosure and, despite many attempts, have been unable to speak with anyone at the mortgage servicer who can be helpful in what is a complicated situation - I am a first mortgagor but do n't hold title to the condo, having been foreclosed on by the second mortgagee, who took title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working on a short sale with Select Portfoio Servicing since XXXX/XXXX/XXXX this loan was issued a HAFA program approval letter on XXXX XXXX, XXXX valid through XXXX XXXX, XXXX with a sales price based on a value of {$160000.00}. An offer was submitted to SPS at {$160000.00} along with the required documents as outlined in section XXXX of their letter. SPS has delayed the review of the file and continued to request documents over and over again even after approving this file. I filed a complaint with Making Home Affordiable and in retaliation SPS canceled file as they said the buyers offer was to low, this property had a value of {$160000.00} and a HAFA approval letter issued in XXXX. SPS updated their values on XXXX/XXXX/XXXX and increased the value to {$170000.00} after they had already issues an approval letter based off of the {$160000.00} value not an updated value of {$170000.00}. SPS has failed to follow the HAFA guidelines and has caused harm to the borrower and the buyer. 

Please see the below timeline as it relates to the buyers offer. 
XXXX/XXXX/XXXX - VALUE {$160000.00} ( This was the BPO value provided by SPS ) XXXX/XXXX/XXXX - SPS Issues HAFA Approval letter good through XXXX/XXXX/XXXX XXXX/XXXX/XXXX - {$160000.00} Offer Submitted XXXX/XXXX/XXXX - SPS requested all seller financials ( After HAFA approval letter had already been issued ) XXXX/XXXX/XXXX - {$160000.00} buyer increased offer to {$160000.00} submitted to SPS XXXX/XXXX/XXXX - Requested addtional seller & Buyer documents XXXX/XXXX/XXXX - Requested addtional seller documents XXXX/XXXX/XXXX - Requested more information on buyers down payment XXXX/XXXX/XXXX - Esicated issue with SPS XXXX/XXXX/XXXX - New value of {$170000.00} ( HAFA APPROVAL LETTER AND BUYER OFFER ALREADY SUBMITTED ) XXXX/XXXX/XXXX - Submitted Utilitie Bills XXXX/XXXX/XXXX - Still reviewing documents XXXX/XXXX/XXXX - Escilated with Ombudsman department XXXX/XXXX/XXXX - Reviewing MHA dispute XXXX/XXXX/XXXX - File cancled for offer being to low.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I originally filed complaint number XXXX against Select Portfolio Services, and their response, which I disputed, contains some outright falsehoods and misrepresentations : In the first part of SPS 's response, they said since they are only the servicer of my account, they could not respond to any allegations regarding origination. Why did it take so long to tell me this? And why are you responding to my right to rescind? In which response you say that my loan originated XX/XX/XXXX which it did, but my right to recision is based on a modification done XX/XX/XXXX, which is well within the 3 year limit. 
SPS also alleges that another lien was not paid off in the modification ; the fact that this collecting of funds XXXX used to pay off XXXX XXXX without my knowledge or consent was not disclosed in the modification is a major part of my complaint ( which SPS says is not their responsibility to respond to XXXX. I have ordered the following from XXXX Mortgage : Copy of Payoff Request from XXXX ( which I never authorized ), a copy of the payoff letter directed to XXXX, and a copy of the payoff check from XXXX and a copy of the release of lien sent to XXXX. As soon as I receive these I will forward to CFPB. 
The above is in response to SPS 's non-response. 
I have also registered a complaint against 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 2016-11-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been working and trying our hardest to modify our mortgage with SPS, it 's been nothing more than stress for us. We do n't talk with the same person, no one knows the same answer. You can call one minute and talk with someone get an answer, call back and get a completely different answer. We 've been trying since XX/XX/XXXX to modify our mortgage our interest rate is 7.5 %. Also the paperwork we need to fax, one person says it 's all complete then we get a letter saying missing information we fax, then they need another paper. So we have a customer rep that we ca n't get a hold of. It 's been exhausting we do n't want to lose our home we are trying but they just delay in reviewing our case. Why our mortgage was given to them, it 's been XXXX. Our mortgage is {$1100.00} we live in a twin home and have bad credit we are trying to work with them but they do n't seem to really care. I know the answer they will give as I 've seen the automatic response so all complains. Then we 're getting act XXXX letters, why are we getting them and foreclosure when we are in middle of modification, is n't it dual tracking. We just want results and save our home we 've had for 32 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We were XXXX in XXXX, XXXX until XXXX. We then XXXX transfer to XXXX XXXX, XXXX and decided to leave our family in XXXX so our daughter could complete her final year in high school. We then rented our house out as we were unable to sell it after being vacant for 6 months. We lost the renters in XXXX XXXX. We began working with XXXX XXXX XXXX in XXXX to obtain a work out because we were upside down with the mortgage, behind in payments due to my wife 's medical issues, and unable to rent the house for enough to cover the mortgage. XXXX then sold the mortgage to Select Portfolio Servicing ( SPS ) but did not transfer the work out request to them in XXXX XXXX. We have now been dealing with SPS since XXXX XXXX with no resolution. They continue to ask us for the same paperwork that we have already sent them and this is confirmed with their agents that they do in fact have the requested documents. Despite these confirmations they continue to ask for documents that their agents have assured us they have thus dealing the decision and forcing us to accrue late charges and interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Atlantic Recovery Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A XXXX XXXX XXXX, left a voice mail on a distant relatives phone stating his name and that he was with an " Altantic Recovery Solutions debt collection agency ''. Stating '' that its an extremely important matter against her that she contact me immediately. That this was not a solisitation. Tell her to contact me here immediately '' This same message was left on my husbands family, unlisted public answering machine for all to hear. 
Ive never received anything in the mail by this company or ever heard of them. 
they have violated the 3rd party disclosure law and i will pursue any charges that are available to me. 
Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: Consumer Real Estate Finance Co.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/XXXX my husband and I started working with Crefco financial located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. XXXX XXXX was our loan officer and originally pre approved us for a Usda loan ... We signed our agreement with the realtor and home owner in XX/XX/XXXX paid for and had appraisal done in XX/XX/XXXX and was told repeatedly we were closing soon ... By XX/XX/XXXX we were told we did n't qualify for Usda loan but we could get Fha loan and close it by XXXX so we started Fha loan and once again had to pay for new appraisal for Fha loan ... This does n't include all the the times we had to update purchase agreement and tons of other paperwork. By XX/XX/XXXX the home owner ( understandably ) was ready to walk so we had to fire Crefco and go with another lender who closed on our home in thirty days ... But no thanks to Crefco because they refused to release the Fha loan number to our new lender which held us up even longer. My main reason for reporting this company is I do n't want anyone else have to go thru the mess and disappointment that my family went thru. They took my dream and absolutely turned it into a nightmare. If you need to contact me please send me an email to ... XXXXXXXXXXXX ... 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 2015-09-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My rental home has been in a short sale for 7 months and the company that bought my loan out from XXXX is SPS portfolio managing. Both companies have made the processing time on the sale of this home unbearable. They have had several offerss and a XXXX where offers began and they have still found every reason to not allow this loan to close. They never give me nor the title company involved the same or correct information. I have emails strings that go on for months about contacting the company and what they say they need in order to close this loan, yet they have not be efficient or effective in communication with myself, and the closing company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello! I have had a loan with Navient ( formerly Sallie Mae ) for XXXX years now. My interest rate is nearly at 10 %, which is absolutely unfathomable in a market where the average rates are 3-4 %. I have been told multiple times ( including most recently on XX/XX/21 at around XXXX ) that there is no room for negotiation or refinancing, but this seems like an inaccurate and positively unfair response. Please help!!! It seems like they are purposefully preventing me from getting ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Quicken Loans ( NMLS # XXXX ) advertised ( advertises currently ) a program for a {$500.00} rebate for my company 's employees that close their loan with quickenloans. I visited the quickloans website via their special link and proceeded to shop loan programs. After some time reviewing, I clicked on the pop up to chat and was connected with XXXX XXXX XXXX : XXXX. I shopped loan programs and he asked if he could arrange a phone call. I informed him that I saw their special offer on the company intranet site and was interested in getting pre-approved to buy a house. I met all the criteria in the fine print, and eventually found and closed a house. I confirmed at several points both via email and phone that I would be getting the rebate. I emailed XXXX and he replied that he would look into it for me. A XXXX later I still had not heard back. It has been almost XXXX months since I closed on my house and I still do n't have my rebate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Merchants and Medical Credit Corporation, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do not recall owing any medical, this might be my fathers whom past away which was also XXXX XXXX past away XXXX/XXXX/2013. I have requested verification several times in a dispute nothing received. I want this off of my credit report.

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 2015-09-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SPS Select Portfoloio Servincing , Inc. continues to send someone every month on Saturday to deliver notes to contact them at XXXX. In addition, they take photos of the property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: ORG GC GP Buyer, LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XXXX XXXX, my XXXX tax refund was offset by GC Services who has purchased my student loan account from the Dept. of Education.When I initially contacted GC services they ignored my request for any proof that I owed any money to them. 
I decided to take my dispute up with XXXX, who later advised me that the debt was valid w/o so much of proof provided. 
So I decided to take it a step further and request GC Services validate the debt sent certified mail on XXXX/XXXX/XXXX and which they received on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a letter from GC Services indicating that I received a loan from XXXX University. Since I never attended XXXX University, I requested a formal letter from the school indicating that I never attended and borrow any Title VI loans from there school. The notice and proff was sent again certified mail on XXXX/XXXX/XXXX and signed for on XXXX/XXXX/XXXX. 
It has been now 16 days and I see that GC Services not only has the amount listed on all XXXX credit bureaus as a derogatory account, but still has a balance owing of around {$3000.00} in which they just assigned back to the government for collection. I feel since they know they did not have the right to collect {$7200.00} on this account and I was seeking reimbursement, they decided to sale the account by taking my money and running.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09
Company: Daniels Norelli Scully & Cecere, P.C.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The offices of Daniels, Norelli, Scully & Cecere, P.C. mailed a letter to an address that I 've never resided in. Such address belongs to a friend. Therefore, my privacy was violated when they disclosed information regarding this particular debt to a third party. I 've never been associated with that address whatsoever. Even if my credit report was ran with permissible purpose, it would not display such address. I 'm not sure what means the debt collector used to obtain my friend 's address. I would surely hope that they did not run his credit report without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: ORG GC GP Buyer, LLC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I always saw my son growing up with as a stellar career in the future. He was and still is very brilliant and unique. As a young child, he was very interested in XXXX, therefore ; when he graduated high school, he wanted to pursue to have a XXXX XXXX in the XXXX field. After 2 years of hard work and dedication, my son graduated from a promising XXXX XXXX XXXX in XXXX, MA ( Honors : XXXX ) with an XXXX XXXX in XXXX. I was very proud of him and mostly importantly happy that my son was fulfilling and living his dream. The school was highly expensive but My son and I were assured by the Financial Department, Career Advisors, Professors and The Dean of College ; my son would lend a profitable job and career soon after graduation. My son has always been curious for education, with my help, we took Federal Student Loans ( Parent Plus Loan ) to help pay for his " promising school '' tuition. After graduating with an XXXX XXXX in XXXX, my son realized moving to XXXX and continuing his education to receive a XXXX XXXX at a reputable XXXX XXXX was the next chapter. Since College Education is extremely expensive, we had no choice but to take additional Federal Loans to pay for my son 's school in XXXX. While in school, My son excelled in XXXX to be exact, to having a XXXX complimenting his unique sense of presence. We were very naive. We truly believed if my son gave his best ( which he did by being top of his class with a XXXX XXXX XXXX in XXXX ) after graduation from a recognizable and reputable school, he would lend a steady job. As a mom, there no other moment like seeing your son graduating from College. I was so very proud of him. After my son achieved his goal, we then realized Jobs in XXXX are very scarce and low paying. we took out massive loans only to realize I will be stuck in a " Debt Bubble '' for the rest of my life. A Parent Plus Loan makes me responsible for all the loans my son and I took during his college years. Unfortunately, my son has n't landed a job for more than 3 years after graduation. He truly had a hard time landing a job. As for me, I do not make enough to pay off his loans, therefore ; I am always harassed by Collection Companies. I have an issue with the federal loans my son and I took out but what i 'm frustrated with is that Collection Agencies raised the interest rates up to 400 % of the loan taken. I sometimes can believe my eyes when I look at my bills. The fact that I will never be able to make enough money to pay off my sons school federal loans is disheartening and depressing. Today, my son is working in a total different field from XXXX and unfortunately, his school degrees have never been useful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: ORG GC GP Buyer, LLC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My expense account was not paid from my organization. XXXX XXXX referred the account to GC services XXXX. At approximately XXXX XXXX XXXX called my cell and left a voicemail. At XXXX, my husband called and told me he spoke with XXXX XXXX and she disclosed that there was an outstanding debt. 
This is in direct violation of the FDCPA ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a pos tjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-21
Company: Turning Point Solutions LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Company called advanced capital solutions says i owe them and has said they would take me to court and have me arrest. But they still wont provide me in writing any validation. This has been going on for years now. It has started back up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: Eastern Account Systems of Connecticut, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Eastern Account System reported a debt from XXXX XXXX NJ Service on my XXXX account. XXXX had mistakenly sent the account to collections even though the equipment was returned. I resolved this with XXXX and they said it would be removed from my report. It was n't. I then repeatedly contacted Eastern Account System and was repeatedly treated rudely on hung up on. They have still refused to remove the item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: CNG FINANCIAL CORPORATION
State: IN
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I told the employee of Checkngo that I wanted to pay off and take out the loan again. She took my money and said oh your on the cool off you have to wait 8days. I told her that was all of my money if I could n't take another loan why did n't I get to do the extended loan when you take the last loan and split it into 5 payments and she said I did n't ask. I spoke to the manager also and she said I should 've asked and they do n't know until the end of the process. I got the extension before and the employee looked at me like I should not have known about that. I feel the way they are acting like its a secret is because they are taught to not give this extension to customers by all means. I needed that extension because I 'm left with no money and I have XXXX kids to feed ; they need to be fined or something because the state of Indiana came up with them implementing this extension for a reason and they are trying to play on a customers responsibility saying they ca n't keep up with the numbers of loans and they do n't know until the end of a transaction. This happened Friday and they have n't contacted me yet and they really do n't have a resolution contact ; the manager and the other employees are friends so nothing will get resolved at that level. They just gave first names did n't want to give last names or employee numbers so I know they were trying to be slick. Please help me.

Company response to consumer: Closed with explanation