vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In XXXX 2015 and in an earlier Qualified Written Request ( QWR ), both Congresswoman XXXX ' office ( via XXXX XXXX XXXX ) and I inquired in writing about who in fact is claiming ownership to my loan and under what authority was Select Portfolio Servicing ( SPS ) given the right to service the questionable loan. In a letter dated XXXX XXXX, 2015, SPS again did not provide written proof of their financial or legal interest they are claiming they have in my property. 
Upon researching recorded documents at the XXXX County Recorder 's Office, the Mortgage-Backed Security ( MBS ) SPS cited in its correspondence ( XXXX XXXX Trust XXXX ) as connected to my home ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) does not exist within any records submitted to the XXXX XXXX XXXX Recorder 's office. It does not appear on any documents connected with my residence. More important, this MBS ( XXXX XXXX Trust XXXX ) does not exist within the records of the Securities and Exchange Commission ( SEC ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
A third party debt collector is contacting me claiming I owe a medical bill. I explained to the debt collector my insurance covered those charges, but the debt collector continues to claim I owe this debt, they have yet to provide me any further proof that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I was approved for Mortgage Modification by Nationstar Mortgage. This approval allowed me to seek a short sale or possibly pursue deed in lieu. I then found a buyer for the short sale. The short sale was eventually approved and we were moving towards an appraisal and requesting a title. That process took 10 months and literally dozens of emails, phone calls, attachments, etc. I went through XXXX realtors just to make it happen. Then I got this message from the bank : " There is a sale date on XXXX/XXXX/2015. The inspection is set for XXXX. there is no way to postpone the sale date so we will remove this file due to not having sufficient time to complete the short sale. 
The short sale transaction on property located at XXXX XXXX XXXX XXXX, XXXX TX XXXX has been cancelled by the seller. " In other words I believe that they stalled this process long enough to where they eventually had to approve the short sale, only to schedule the foreclosure auction before they allowed it to go through. I truly do not believe they ever had any intention of allowing Loan Modification ( required by the Dodd-Frank law ) to take place. I have multiple witnesses and dozens of emails which reveal either their ineptitude or their intention to deceive me through this process. As a result my house is being foreclosed on and I am being left out in the cold for 7 years of bad finance, despite the fact that I qualify for government relief.

Company response to consumer: Closed
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
I was informed by one of the employees and XXXX XXXX that that had had computer problem and that they reported old info and paid info to the credit unions on account they should not have. I have also notified them that they were not to call my personal cell and XXXX XXXX continues to call my cell ... .XXXX has informed me that they do n't work with Advanced Bureau of Collections located at XXXX XXXX XXXX XXXX Ga XXXX 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 2015-08-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
The bank charged higher interest rate than the loan contract for two and half years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Have been trying to modify for the last three years. Every time I try documents go missing and things are delayed. I 've been turned down a few times but am told that I may apply again for a different program. I 've been told that my principle would be dropped and many other things that were lies. When I was finally approved the conditions were outrageous. I just want a fare modification so I can get back on track. This company has been XXXX me around for years and I am suspicious of their accounting as well as far as my account goes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Mortgage company Nationstar refuse to send me itemized info about arrears and breakdown of XXXX dollars in coporate advance. They are already charging me extra monies for escrow and can not justify ir explain the corporate advance fees. Trying to reinstate my loan but they are not helping me to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar Loan number XXXX. Payment was XXXX per month. 

XXXX 2015 Nationstar billed me XXXX, When I phoned customer service to inquire, the rep said that they had raised the payment. Nationstar never sent any letter of explanation. This is my homestead property and I am an XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
My mortgage is currently held by Nationstar Mortgage. I have a 30yr FHA loan. About a month ago I received an unsolicited phone call from Nationstar offering refinance options. In the process of discussing that, their representative discovered that based on the amount of time I have had my loan, the fact that I had missed no payments, and my loan to value ratio, I no longer needed to be paying mortgage insurance. I have no idea how long I have been needlessly paying MI, and Nationstar certainly did n't offer to tell me, or to refund the unnecessary payments. Had I not happened to have this phone conversation I NEVER would have realized that I no longer needed the insurance. I foolishly assumed it would stop being charged when my loan to value ratio reached the threshold. When I did a XXXX search about this issue, I came to find this is an industry-wide problem, and one of the articles I read led me to the CFPB web site. So at this point I 'm assuming I 'm just going to have to take this one on the chin, but this company has provided me with such horrible service in general I felt moved to file a formal complaint about having been truly XXXX out of money for insurance that I did n't need.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
On or around XXXX XXXX, 2016 I received a letter from XXXX XXXX XXXX ( my mortgage servicer at the time ) stating that my loan would be transferred to SLS on XXXX XXXX, 2016 and I would receive information about my new loan number, accounting details and mortgage coupons. On or around XXXX XXXX, 2016 I received a letter from XXXX XXXX XXXX a foreclosing attorney dated XXXX/XXXX/2016 stating that SLS was going to foreclose on my home 19 days after the loan was allegedly transferred to XXXX. Which enlisted an amount of {$800000.00} which was a different payoff from the amount due prior to XXXX XXXX XXXX transfer of loan. I want proof that SLS is the current servicer of my loan. I want proof of accounting from SLS and XXXX. I want to know why I was denied the right to pay my loan, offered a loan mod, deed in lieu, or short sale prior to sending the loan into foreclosure as required by law. Especially when your loan was transferred to a new servicer and sent into foreclosure less then 30 days from the alleged transfer. I want XXXX and SLS to cease debt collection practices until they can prove that SLS is the actual and current servicer, accounting details, a mortgage coupon, current pay off and payment options as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Nationstar Mortgage Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My name : XXXX XXXX E-mail address : : XXXXXXXXXXXX Phone number : XXXX XXXX XXXX Dubious Financial Practices and failure to post ypricipal as requested I have tried to modify this mortgage several times in the past but Nationstar would not allow me even after my wife died. I applied to refinance it and yet Nationstar refused to assist me. 

I have owned the property since XX/XX/XXXX and it remains on Adjustable Rate and the principal has remained same since then. 

Even though I applied for modification of the loan, when it was denied, Nationstars put the house on foreclosure. i had to pay back all the owed amount including the late fees when I appplied for modification, before the foreclosure was lifted Now I paid XXXX extra in XXXX XXXX and instructed Nationstars to apply this under the principal. The following day, I saw that the money had been divided into smaller amounts which they called legal fees and LATE FEES, I called and spoke to a lady who told me she has put in request to apply the posting towards my principal. 

I checked my account again today I noticed it had not been changed. I called Nationstar 's staff by the name XXXX, at about XXXX ET, who told me the amount was applied towards late fees and it would not be changed.or credited towards the principal as I requested I told him I have not made any late payment since the house was out of foreclosure and I had paid the accumulated late fees when I applied for modification. He insisted that my payments were late and when he went through my account he could not find any late payment and he now told me the amount was applied towards Corporate advance, which I am not aware of. I asked XXXX to let me talk to his supervisor, he kept me on hold for some time and later on hung up the phone at XXXX Eastern time.I have the following complaints 1 ) When I applied for modification and it was denied, I did not have to pay late fees but nationstar made me pay the late fee with the threat of foreclosing on my house after the death of my wife 2 ) I have Adjustable Rate and I am allowed to pay down the principal since my application for modification and refinance were denied. I request Nationstar to post my payment according to my request, towards principal reduction 3 ) Nationstar should reimburse me the money I paid on late fees when I applied for modification and it was denied 3 ) XXXX is unprofessional and rude. He should never hang up the phone on a customer. I have the right to speak to his supervisor if I am not satisfied with his response I would appreciate if my complaints arfe properly reviewed and a response sent back to me at XXXXXXXXXXXX Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I applied for a loan modification with Nationstar, based upon the qualifying hardship of a legal separation which will result in a reduction of household income and a significant increase in my expenses, because I will need to pay spousal support once my former wife moves out. I filed an appeal which was also denied because they do not consider legal separation the same as divorce, even though the hardship affidavit list them together, another reason given is that the loan is in just my name, which is not a valid reason because I will be retaining ownership of the property, and my former wife, even if she were on the loan, would need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
Trying to get mortgage assistance. I have a XXXX and XXXX degree and a XXXX XXXX XXXX. I spent 12 years in XXXX and consider myself an expert. I can not imagine a person without my background working with these people. I am doing this for the greater good. For example, they asked for a Profit and Loss statement because I am self-employed. I prepared it and sent it. I called to follow up and they asked me why my Profit and Loss statement was negative. I said it was negative because it was a loss. They asked why I sent it in then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2016 I was mailed a request for payment from this collection agency. On XXXX XXXX, 2016 I responded disputing the debt and asking for validation. Thirty ( 30 ) days later I had not received a reply from the company. On XXXX XXXX I mailed them a letter per Texas Finance Code that the time to validate the debt had passed and they could no longer continue pursuing payment. On XXXX XXXX the account was placed on my credit report as a unpaid collection. This company has violated my rights under the FDCPA and the Texas Penal Code as they are illegally attempting to collect debt in Texas since they do not have a surety bond registered with the Secretary of the State. As the attached file shows along with fax info this company has received info informing them of my dispute yet they placed the erroneous info on my report anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
we refinanced our mortgage last year when rates were lower and we had nationstar, they gave us to XXXX who said they are the parent company. 
XXXX told us how much our payment would be a month which was {$660.00} and we wanted the lower payment from our {$720.00} range so we decided to do it. At that time we owed {$76000.00} and after the refinance it went up to {$78000.00}, the problem now is we get a letter telling us not enough was estimated for the escrow and now we have to pay the extra {$64.00} a month. 
Now we are paying the same as before if not more because someones mistake, not on our part.And after it was refinanced they sold us back to Nationstar I have called to talk to someone and they gave me the specialist who could not answer my question as to how someone only estimated half our yearly taxes into the refinance when we have 5 years history showing what it was, I feel like it was done on purpose and they knew what they were doing and took our {$2000.00} we paid to refinance also, something does n't add up here at all, why are we paying 3.5 % and its the same as the 5 % thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
I started the modification ( RMA ) process with XXXX in XXXX of XXXX After processing reams of paperwork, all of which were redundant items asked for over and over again, a modification was given in XXXX of XXXX. I was put into a 3 month payment trial which I lived up to. In XXXX regular modified payments began. I was sent the modification agreement to be signed and notarized in duplicate. I signed and had notarized both and sent it in, but put a note on the bottom stating I was signing under duress as I was told this would be a principal reduction. It was a standard modification. They called and told me they could not accept this with the note and would not do the mod with the note. They said they would send XXXX more forms for the original mod agreement. After 5 days I called and they said they had sent it. The woman I spoke with, XXXX XXXX on XXXX/XXXX/XXXX asked me if she could fax it to me. I agreed, she faxed the form, I made a copy of said form and proceeded to have both notarized and placed my original signature on both. Sent it in through regular mail and they in turn called to say they do not accept fax copies! The form itself was a fax sent by them! The signature and notarized RAISED stamp were original. I said you people sent the fax. What are you talking about? Well, the person faxing should have told you we did n't accept faxes. Why would she have faxed me then? Here we are after being told they were OVERNIGHTING another mod agreement XXXX, said which never came. Called again and was informed I have been put back into foreclosure!! Something untoward is going on here. The only explanation that makes any sense to me is they are attempting to get out of doing the mod already offered and payments accepted until the last XXXX I sent and they received on XXXX XXXX. They refused the XXXX XXXX payment ( of which I have proof of them receiving on time through XXXX XXXX ) so now they can claim I have n't paid, I guess. After nearly three years of being put through a ringer when I qualified from the very beginning and to now have them pull this kind of under-handed game with the roof over my head is reprehensible and unconscionable.

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 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Contacted by my my mortgage company, Nationstar Mortgage that I was eligible for a recast of mortgage due to paying HARP refi on time for 6 years back in XX/XX/XXXX. Since that time, I have been told repeatedly that all was in order. Then when I pay the new amount, they keep saying I am denied and owe more money. This has happened 3 times! What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am forced to reach out to you for assistance as a last resort. It 's been well over 3 years ago that I closed my short sale successfully and " cleared '' my debt with XXXX XXXX XXXX ( loan # s : XXXX & XXXX ), But for some reason I am still being harrassed by debt collectors from Nationstar ( # XXXX ) trying to collect on a debt that was settled on the shortsale transaction with XXXX XXXX XXXX ( # XXXX ) on XXXX/XXXX/2012. 
They are also falsely reporting this debt to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
i would like to file a complaint against BB & T for unfair overdraft fees. I appreciate that the banks offer of overdraft protection however, in 2015 I have paid over {$1000.00} in fees. Just in XXXX 2015/XXXX 2015 my fees alone totaled {$360.00}. I have reached out to the bank for assistance and they will only adjust your account for overdraft fees every 24 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: HI

Complaint narrative:
I 'm a renter and our rental home has been foreclosed on. Nation Star offered a cash-for-keys settlement in lieu of going to court to get a vacate notice. I accepted their offer and moved all our things into storage. 3 days before Nation Star was to send a realtor to the house to give the check and I hand over the XXXX keys they called me to back out. I was told the offer still stands and that they will still give me the settlement offer but they have stopped calling me and taking my calls. Whenever I call to get updates they put me on hold and never come back on. Because of this it has caused me stress which I now have XXXX and have been hospitalized XXXX times. I 'm also now on the verge of losing my job because of my medical condition. I was told by an XXXX XXXX that my XXXX is being caused by all this stress I 'm going thru.

Company response to consumer: Closed with explanation