vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This complaint is about being self sufficient. The only thing that we have ever requested form Select Portfolio Servicing Inc. hereafter referred to as SPS. From the beginning our position was to pay our taxes and insurance ourselves, by doing this we could pay their principal and interest ever month that they require, We fell by doing this we would pay SPS payment BY THE XXXX of Each Month. We would also have some money left over to get other things, such as XXXX, ( see XXXX ) to protect our investment. Whereas, then we could put some money on the principal to bring the loan amount down within a year considerably. 

d ) We also know our finances and when they come in doing the month. Therefore, we know how to schedule out those payments so that we would not ever fall behind on any of our Loans, Home and Car. We could even put a little something up to pay on our credit cards which would improve our credit score, thus improving us sell our house and move into our dream house, or we could get another Bank to take our loan with a lower interest rate. SPS want to take advantage of consumers. So we can see why people filed complaints against Select Portfolio Servicing Inc . The Company is trying to steal a property that was appraised at {$320.00} XXXX home for XXXX dollar investment as of XXXX 2016. We feel the second reason for this is that SPS knows when we receives our income and how we receive it because of our last modification when we had to show the income that which was coming in, therefore, this is why SPS put our payment plan to pay by the XXXX of the month, so they could always report to the credit reporting agencies that we are late on our monthly payments. Our We also know our finances and when they come in doing the month. Therefore, we know how to stretch out those payments so that we would not ever fall behind for them to every foreclose on our property ever again. XXXX knew they would taking half of our resource monthly by placing an escrow account on us. So we can see why people filed complaints against Select Portfolio Servicing Inc . 
1. See the XXXX Attached complaints XXXX XXXX XXXX pages XXXX. See the XXXX Attached complaints Why Wo n't the Government Help Against Select Portfolio Servicing Inc. Fraud. 3 pages XXXX. See the XXXX Attached consumer complaints and reviews about Select Portfolio Servicing Inc. XXXX pages We are asking The Department of Housing and Urban Development, Consumer Federal Protection Bureau, to investigated these allegations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: RI

Complaint narrative:
Since XXXX of 2013, I have been going submitting documents to modify my home and the company who I have my mortgage with has been asking me to submit the same documents over and over again. My interest is going up this month XXXX XXXX XXXX 4.75 %. The reason I need to modify my home is because I was getting child support of {$750.00} and it ended in XXXX. I submitted my documents 3 mths in advance in order to give them ample time to work on my modification. However, they are giving me the run around and continue asking me for documents they already have. I have continued paying my mortgage and because of this I can no longer pay.. I want this resolve asap. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I lost my full time employment the end of last year. I had been looking work and to start my own business since that time. Earlier this year my wife 's employment also changed, during the same time my father came to stay with us for a few months due to failing health. We had to look to assistance from the government. I submitted a hardship to BB & T for help with the payments we were behind. I had to submit this hardship XXXX. Both times BB & T has declined the hardship, stated unable to verify my employment or income. I submitted all paperwork I was asked for. I am still employed at the same place part time, I have been employed there for almost 5 years. We do not receive paper checks or stubs, the office staff printed out a stub for me to send BB & T. BB & T stated to my wife they would not accept this stub. I have no other way to show my income. BB & T has my tax records, bank statements and copies of wages, all that prove we are in hardship. During the time of the hardship process we had tried to send in some kind of payment. My wife spoke with BB & T, they advised her if we could send in the remainder of XXXX and another full payment by XXXX XXXX that it would be accepted. The payments were returned now causing us to be a total of 5 months behind. My wife called about a repayment plan, the first lady stated to return the payments that were sent back to us and try to add to it, the repayment plan would be a little over our original payment. When my wife called back to try to set up the repayment the next lady stated the payments would be almost double, in which my wife told the lady there was no way we could pay that. We are at a lost and trying to set up a repayment and keep our home, BB & T is trying to take our home. We just wanted a fair chance, but BB & T would not even process our hardship request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I have asked them to provide me proof of this debt ie {$66.00}. never been able to provide, but yet they have submitted to XXXX three ( 3 ) times. XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Irrespective of the fact that no proof has been submitted of this debt, posting multiple times is not acceptable practices. 

Referencing prior complaint Case number : XXXX they did not remove the entries from XXXX as I clearly request where the posting was made but their tactic was to remove from XXXX as per their response below : Response disputed Harvest and Associates said : Explanation of closure Due to the age and amount of the debt, the original creditor has agreed to close the account from collection and remove from XXXX. 
Relief The debt of {$66.00} has been written off. 
{$66.00} XXXX XXXX of {$66.00} has been written off and deleted from XXXX. It may take up to 45 days for XXXX to remove the debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BB&T CORPORATION
State: TX

Complaint narrative:
After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I am writing this to inform CFPB of what I see as predatory and alarming that a government program setup to assist homebuyers to avoid mortgage crisis are denied access into programs that could help the both Homebuyer and Mortgage Service. I find the reasoning for denial of application with Nationstar Mortgage troubling and this is the reason that I am asking for help. My qualifications meet the eligibility requirements and are to close for the door of opportunity to close, which I should have been approved. I have had great credit since I was XXXX years old and this situation, which is due to hardship and not poor financial planning on my part, should not be held against me. I was just Employee whom showed up to work one day and was informed that they would no longer need my services. I am in disbelief that something like this could ruin my credit and am asking for your consideration in reviewing this matter. I have documented the events that happened throughout the application process and am willing and able to share them with you in support of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I have my property at XXXX, Georigia - XXXX. My loan is with Nationstar Mortgage LLc., I have reached 78 % of LTV on my loan on XXXX XXXX, XXXX. As per 'Home Owners Protection Act '' of XXXX, Nationstar Mortgage LLc., has to automatically terminate collection of PMI which is private Mortgage Insurance from XXXX XXXX, XXXX onwards. They are still collecting XXXX dollars every month knowing full that as per the Act they will have to refund. I took the matter to XXXX and they are not removing and say the principal balance to reach 78 % is XXXX XXXX, XXXX and when I reach the Principal balance of 78 % on XXXX of this year, XXXX, they will not remove even though I have reached the 78 % LTV one year before and they treat the earlier reaching as early removal and as borrower requested PMI removal at 80 %. I want the PMI to be automatically removed since I reached 78 %. My loan account number with them is 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 2016-04-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
In 2007 I purchased a rental home in XXXX XXXX. Needless to say this was probably the worst timing in the history of the world. It took until XXXX to finally get it short sold. XXXX is reporting as a Foreclosure and that is not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX and my property was foreclosed on XXXX/XXXX/2016 by SPS " Select Portfolio Services '' located on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, I was currently working with the lender to obtain a loan modification, I am confident I qualify for a government program that would have saved my home but the lender refused to work with me, I do believe i was the victim of a wrongful foreclosure as i feel this was a predatory loan.

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 — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I was charged XXXX dollars for a chance to refinance my mortgage by quicken loans. They accessed my credit twice which had an adverse on my credit account .I was denied my mortgage and a refund. They told me that if I paid them XXXX XXXX dollars they would give it to me. They laughed at me when I said I did n't have the XXXX XXXX dollars. I would like a refund. please accept this as a formal complaint by me. I am mentally XXXX and live on a fixed income. I may be able to provide supporting documents if I am able. Quicken loans is in XXXX michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
Nationstar Mortgage used my escrow account to pay property taxes which were not to be escrowed. The mortgage states I am to pay the property taxes out of pocket. Now, Nationstar Mortgage is raising my monthly payment to increase the amount of the escrow account. This increase is to happen for the next two years or I can pay {$1000.00} up front costs. I believe Nationstar Mortgage should reimburse my escrow account for their error and take the loss. If this would happen, my escrow account would be in the postive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
We have been having problems with select from the very beginning. We tried to do a modification, we made every payment on time. We never received the final paperwork to complete the modification. We later tried again and the same thing happened that time as well. We want to stay in our home but we want to do a modification. We continue to make payments every month and they send them back every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I filed a complaint against the bank before and the problem still has not been rectified. By the time I spend money in legal fees it will certainly not be worth it for me to try and get answers. However, I do plan to file complaints with other agencies until I am vindicated of this awful trail of unjust events. Starting with the account was a joint account and there were charged that were unauthorized. I should not have to suffer because someone else has done something wrong. Reporting me to XXXX is unfair and especially since the bank has already gotten over in fees. A collection agency kept calling me on their behalf until I just gave in and paid. However, during the process my bank account for my XXXX year old daughter has been closed because BB & T decided to report me and not my husband to XXXX. I have NEVER EVER been in XXXX and this just is n't right. I now think it is a smart investment to hire someone on my behalf to fix this since they want to just play dirty with the whole thing. BB & T is the worse bank to ever have in life and I never thought I would have such a problem with them even reporting ect. However, let the record reflect that I have tried to contact several sources inside of BB & T to help but they are just not qualified to get the job done. There is no XXXX number you have to go in and do everything and unfortunately, I do not have that type of time or means. I am a mother and recently had a XXXX that does n't allow me to even drive. Either way this is a ongoing problem even after their unreasonable request for fees have been paid. I 've been lied to and now cheated out of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: KS

Complaint narrative:
I lost my job 4 years ago, so I tried to get help with a Hamp loan modification. Nationstar told me I was not in enough hardship and denied the modification. I had to file bankruptcy so I worked XXXX sometimes XXXX jobs to make my over {$700.00} house payments. I could not miss payments because of my bankruptcy. Now I tried again to get help because I ca n't find a part time job any longer. Again I was denied because not enough of a hardship. XXXX paycheck does n't even cover XXXX house payment. If XXXX or hamp is a federal program, why ca n't I get help now instead of when I get deeper and deeper in debt. I am XXXX XXXX XXXX old, and only have XXXX years on my loan. So what am I suppose to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I 'm a XXXX year old XXXX that has a 10.99 % interest rate on my primary property with loan servicer Select Portfolio Servicing. I requested a refinance so that I can lower my interest rate and mortgage payment and SPS advised my to apply for a loan modification. I was approved for a loan modification with an interest rate of 9.74 % and they added {$2000.00} to my principal balance. SPS claims they based the loan modification on the information that I sent in. However, the information that I sent illustrated an income lower than they income they used to structure the loan modification. SPS wants me to start a trial loan modification that I strongly disagree with because the income is n't correct and the interest rate is too high

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
After weeks of applying, XXXX with XXXX from which my mortgage was transferred to Nationstar, I was approved for a loan modification. First, my mortgage total amount was increased by approximately {$20000.00}. from the original amount. I thought that the modification was for the life of the mortgage, however, my mortgage payments have increased by over {$250.00} since it 's inception.and is scheduled for yet another increase in 2016. Once the increase was supposed to be for escrow shortage even though the expenditures had been met. When I try to reach the bank for clarification, the connection is dropped and clear and direct answers are never in writing. I have not missed a payment in five years, however I am besieged by by calls as early as the XXXX until the payment is posted. Since XXXX of the qualifications was that you have to be in foreclosure, shopping around for a less predatory and transferring my modification is not an option. What other options are available to me? I am a senior citizen who is retired and became XXXX about XXXX mos. ago. Because of the initial increase, my house value has been under water for the last 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
For over two years, I have spent hours on the phone trying to lower my monthly payment. I have been enrolled in many programs that were affordable, but was kicked out of each program upon further review from auditors. 
Navient claimed my co-signer could afford to pay the amount, therefore I did not qualify for the program. 
When I was kicked out of the programs, my payment remained the same - high amount - which I can not afford. 
Navient would send letters stating to call them, as there are many repayment options. I would call, and again, I would be enrolled in programs of monthly payments I could afford - then upon review - was dropped due to my cosigner being able to afford higher payments. 
For over two years, I have received multiple credit hits, ruining my credit. This is my debt, not my co-signers. 
It has been a nightmare dealing with this " company! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
My mortgage was sold from XXXX XXXX XXXX to Nationstar Mortgage. I never received any information from XXXX about the sale until it already had happened. When my wife attempted to contact Nationstar about our payment ( since it was XX/XX/XXXX ) they told us that they did not have our recorded updated so they could not accept a payment. They said we would get notification when everything was in place to make the payement. The notification came on XXXX XXXX and said that we were overdue on our payment and a late charge was assessed. When we contacted Nationstar they stated that the payment was due on the first and we were overdue. My wife explained the situation of what happened and was treated poorly. When she asked to speak to a manager she was informed that they did not have one. She attempted to pay the amout due and was told that she would still have to pay the late charge plus a fee since she was paying over the phone. She said that she would mail the amount but refused to pay the late charges due to the fact that it was an error on their part. Soon after we started receiving notices that Nationstar was starting paperwork to forclose on our house. How can this be legal? We have n't been with them a month and already getting notices of forecloseure. We still never received any other information from the company other than a bill. I would expect to receive information about my loan to verify there is no changes, a list of contacts and numbers to call for any questions, and something about the company that now has this very large loan against me.

Company response to consumer: Closed with explanation