vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Dear Consumer finance, I am writing to you about my principle residence on XXXX XXXX XXXX XXXX XXXX. I have been trying to get a loan modification from Nation star for over two years and before that with XXXX XXXX XXXX who was the previous servicer. Even though the HUD councilor and my accountant and loan officer said that I am qualified to get a loan Modification, Nation star continues to deny my LOAN modification. 
In the spring and summer my husband and I travel to state and county fairs with our business and do very well but in the fall and winter the business is slower. When I submitted my loan package XX/XX/XXXX, they gave me a trial in the beginning of the fall that was double my original payment. My accountant said that it was unacceptable ; it was just setup to make me fall behind my payments again. So I resubmitted my loan package but the income was a bit lower because of the season. 
I have asked them many times, to communicate with me through email because of my business travels, but only after I have complained to the Customer Relations, did they assign someone. XXXX XXXX was communicate with me which was very productive, but shortly after, they took her off the case. No email communication after that. I have had about XXXX+ point of contacts ( the current one is XXXX XXXX ) and none of them has ever contact me. I have left many messages but no return calls. Very often I get an automated call on my cell after their offices have closed for the day. And when I call the next day, I get to speak to someone abroad ( their outsource servicer ) who generally asked me for items I have already submitted. I complied with everything they asked for but so far no communicate through email which makes it very difficult with my business travel. On XXXX/XXXX/2016, I spooked miss XXXX, and asked if i can have an email to communicate with my point of contact and she said that it is not possible. I told her that I will be traveling and phone communication may not be possible and I would like my husband to be the contact person in my absence. I did this a year ago and shortly after that, they sent a letter of denied loan modification, they figured that I was away and there will be no recourse from me and they can foreclose on my home in my absence. But fortunately, my trip was postponed this time and I was here to get the bad news of denied loan modification due to negative disposable income. This is very incorrect according to my loan assistant. They have previously done this using the wrong income or very old info to disqualify me. I strongly feel that because of my ethnic origins or religion, they are refusing to give me a doable or practical loan modification. Please, please help me in this matter. I beg you. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
In XXXX 2016 our mortgage was sold to SP Servicing. We had a XXXX modification with our former servicer that expired just before and raised our interest rate to the original XXXX %. At that point we could no longer afford our payments and fell behind. SP Servicing has had our Request for Hardship Modification since XXXX 2016. Since then they have repeatedly and consistently requested " additional '' information, clarification, redo a single line on this document, explain this ( six times ). In short, they are dragging this out with their endless quest for the perfect set of documents. I am well aware that there are specific requirements for XXXX, and we give them what they ask for EVERY TIME. I believe they are veering into fraudulent territory with their requests now. The " underwriters '' have reviewed our application no less than ten times since XXXX 2016, and today, suddenly, they ca n't read our names on the front page ( section one ) of the application. I have read online where they 've done this to other people over the years. We ca n't get our mortgage caught up without a modification, and we stay behind on our mortgage, trashing our credit, where we ca n't go to another lender and refinance. They have us stuck, and they are keeping us there, for no good reason. Either they want our home in foreclosure, or they are running up the loan balance and interest. Either one sounds like fraud to me. I will be filing complaints with the Federal Trade Commission, TN Department of Commerce and Insurance and TN Office of the Attorney General on Monday. If none of these agencies is able or willing to help, I will have no choice but to file a lawsuit against the servicer, which we no doubt will lose due to their " deep pockets '' and our " little voices ''. Please help us. Companies like this do n't deserve to be allowed to keep doing this to their customers. I 'm willing to fight, but what about others who do n't know how to fight? They simply lose their homes. Please step in and do something about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I voluntary turned the car in XXXX, BB & T bank charged the account off. XXXX later, they are still reporting it currently deliquent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
XXXX [ [ Reference to my property located at XXXX XXXX XXXX. XXXX, NC XXXXLoan # XXXX Serviced by Select Portfolio Servicing. Relationship. 
Person of Contact is XXXX XXXX, Relationship Manager, XXXX Extension XXXX. 
His email is XXXXXXXXTry and try again to contact him. Good Luck!. I have NOT been able to contact him. 
***************************************************************************************************This is concerning the papers I sign for the Deed-In-Lieu. I sign XXXX different pages and was given copies of all pages NOT sign by me. I met a Notary Public in XXXX, NC. 
Met at XXXX off XXXX XXXX on Saturday XXXX XXXX, 2015. Ever since that day, I have requested a copy of the pages I sign and I have received NO response from anyone. Emails to XXXX XXXX were sent in multiple days. Last email sent was just before XXXX. I have copies of other attempts to contact dated XXXX XXXX, XXXX XXXX, and others. I have made more than XXXX calls to SPS and it is a joke. I made sure that the conversations were recorded. 
It seems that SPS and the staff have no real desire to finish what they started.!!!!!!!!!!!!!!! 



I signed the Deed-In-Lieu paper

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX Select Portfolio Services SPS has communicated and implied that it is not liability for For the unfavorable governance and excess property taxes escrowed for XXXX XXXX XXXX. 
SPS has implied that XXXX is the owner of the mortgage and that it is simply an agent of XXXX. 

XXXX XXXX XXXX CEO SPS, Director XXXX XXXX CFPB, XXXX XXXX Georgia Attorney General, XXXX XXXX XXXX County Clerk, XXXX SUMMARY : The sale of XXXX XXXX XXXX has been impaired since XXXX due to excess or uneconomic property taxes. 
RESPONSE : XXXX XXXX, XXXX SPS increased XXXX XXXX XXXX property tax escrow. This is consistent with the history of the property. Historically, SPS has failed to responded to market conditions and home owner communicate. 
SPS 's bilateral valuation of the property taxes has made the property impossible to sale and have contributed to the financial distress of the property and home owner. 
SPS is conflicted by benefiting from the earnings generated by investing escrow funds prior to payment The XXXX XXXX letter increases tax escrow by 20 % from approximately XXXX in XXXX to {$30000.00} for XXXX. This would be base on an excessive valuation estimated at {>= $1,000,000}. 
This increase occurred after SPS appraiser devaluated the property from {>= $1,000,000} to {$900000.00} for a short sale. This occurred after comparable homes in the market as close as next door sold for approximately {$85000.00}. 
XXXX XXXX XXXX XXXX XXXX {>= $1,000,000}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: SC

Complaint narrative:
Our account is in foreclosure with BB & T bank, this is a FHA loan and they are the servicer, we have had nothing but headaches trying to work with this company to try and resolve our account, from them offering unaffordable modifications to them telling us we have a credit on the account, when in fact we do not, this is the XXXX time they said we had a credit and in reality, we did not, which brings me to this complaint ... ... ... .... 
On XXXX XXXX, 2015 we received a re-instatement letter from their law firm the XXXX XXXX XXXX, telling us if we pay {$1700.00} by XXXX XXXX, 2015 our loan would be re-instatedwith me being skeptical, because previously, they told us we had {$12000.00} in recoverable fees that should have been a credit, well after doing further research, the bank admitted they were wrong and we never had a credit of {$12000.00}, we had taking money out of our XXXX to bring the account current, only to find out after the fact, BB & T Rep pre foreclosure rep gave us the wrong information, moving on to the latest ... ... ... ... .. 
On Monday XXXX XXXX, 2015 I called the attorney office, re-instatement department, spoke to XXXX, informed him of the letter we received dated XXXX XXXX, 2015, I asked him is this quote correct? he told me yes, this is the quote that was sent over from BB & T bank, I then mentioned to him, we had issues with this bank, telling us we had a credit, when we did not, he told me pay the amount on the letter and your account would be reinstated, I then told him, we could get the funds from our XXXX to bring the account current, he told me we could use the letter the law firm sent us, I asked XXXX could you please give me the credited fees amount and what they are, he replied {$21000.00} they are corporate advances which are credits, they just use another term thanked him call endedI then called BB & T spoke to foreclosure department XXXX, told her of the the letter we received from your attorneys office, asked for the account number I gave it to her, she then turned around and ONCE AGAIN told me that figure is not correct, she will call the attorney office, I then ended the call and here we are once again, this is the XXXX time this bank gave us false information, just another example of the POOR servicing, they have done regarding our loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Mortgage Team 1, Inc.
State: TN

Complaint narrative:
I recently sold my home in XXXX, XXXX to relocate to XXXX, XXXX. The people buying my home hired XXXX XXXX with mortgage XXXX team as their lender. XXXX XXXX gave me a closing date of XXXX XXXX ( after an extension ), therefore I moved my entire truck into a moving truck that afternoon. Less than an hour before the time of closing, she called and said she was n't ready. We went through that XXXX more times. We finally closed yesterday on XXXX XXXX. I have been living out of a moving truck that is costing me {$100.00} a day since XXXX the XXXX. She did n't even submit the loan to XXXX until XXXX XXXX. I finally decided to call her and ask her what the holdup was. After being extremely rude to me, she put me on hold ( or so she thought ) and proceeded to call me crazy and make fun of me to her coworkers for XXXX minutes. My house was paid off, and I needed the funds from the sale to buy my new house. So I put off my other sale for several weeks. My experience with XXXX XXXX was so bad that my realtor ( XXXX XXXX ) said she would never do business with her again!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: NJ

Complaint narrative:
For the last few weeks I have been receiving calls from the Focus Receivables regarding 'a debt '. None of the calls ( always an automated recording ) provide any details. I 'm not aware of any debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: GU

Complaint narrative:
CFPB, I have previously submitted a complaint against XXXX XXXX on behalf of my spouse, XXXX XXXX. The CFPB case number for that complaint is XXXX. XXXX XXXX has recently sent my wife 's account back to collections and we now have a higher balance than before. Previously, the collections ceased and we no longer owed XXXX XXXX anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: TX

Complaint narrative:
I am receiving repeated calls, voice messages, from " United Recovery Systems '' with the representative using the name " XXXX XXXX '' Calls come from XXXX and he wants me to return the call @ XXXX. 

I owe no one anything, have an XXXX FICO, my wife has an XXXX FICO ( Just checked on it ), and I want the calls to stop. I think he is just phishing. I think they are just robo calling and there is no underlying debt whatsoever. I am concerned that if I call back and attempt to talk to them I will reveal my real name and other info he currently does n't have -- nor should he. 

A quick XXXX Search of this company turns up many reports of abusive practices, including phishing. 

I wo n't return the call to him as I am quite certain he is engaged in some sort of shady ( Illegal ) practice. 

I just want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
To whom it may concern : I have been paying on my children 's student loan for about 10 years now. During this time I have had many issues with the loans. Here are a few examples of the issues I have had. I had been paying on the loan and then it was purchased by another company. When I contacted the company, they kept telling me to go online and set up a new payment plan. I have also had many forbearance payments and was never informed of an income driven payment plan. In 2008, my husband and I lost our home due to the interest rates rising. We were in difficult times and I had to stop paying for a while. When I called to start anew, I was deferred. I did set up an auto payment and was doing well, paying on time when again the loan was sent to yet another company. I did n't realize this until I noticed for two months I had n't had the money taken out of my account. When I contacted XXXX XXXX I was told it was sold again and I needed to call them. I did try a few times and received such a run around that I just gave up. After quite some time I received a notice for the loan. I called to see what I can do. I found out that I now owe an extra {$10000.00} on the loan. I am worse off now than ever! I did call and the lady was starting to put me on forbearance but she said, " well if you worked for a non profit you could have a income base repayment ''. I am with a non-profit organization and am in the middle of filling out the forms for this. What I am looking for though is help to reduce the outrageous amount of interest in this situation. My XXXX daughter told me about a lawsuit that is in progress against Navient and I would very much like to know if I qualify to be a part of this. I do n't expect to come out rich. What I want is a forgiveness of this loan or at least a large deduction. I believe in repaying my loans, but now I feel I am being bled to death. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I was given my parents home in a trust and was deeded to the trust. It is a VA loan. The company Planet Home Lending was notified of this change in 2013. I continues all payments and they accepted the insurance all years. Now they have requested the insurance state the ESTATE of. There is no Estate it is a trust. They gave me the option of getting this stated or I would need to assume the loan. I in good faith have made all payments, insured and made this my home.

Company response to consumer: Closed
Consumer complaint received 2016-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
This is supposedly a medical debt I owe. Per HIPPA federal GUIDELINES on HHS.gov it clearly states medial information is not to be shared to a third party. I NEVER gave anyone permission to obtain my credit information, name, address, or anything about my medical record. This must be removed or they are in violation of hippa compliance, I am submitting a complaint to HHS.gov and the public should know the truth about this collection agency. 

Collection/Chargeoff {$1900.00} XX/XX/2015

Company response to consumer: Closed
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: FL

Complaint narrative:
This company is calling my parents, my children, my brother & past residences searching for me. I have no idea what this company wants with me. I 've tried to contact them, with out any success. If they would leave a clear vociemail, I would call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jonathan C. Frank & Associates, LLC
State: TX

Complaint narrative:
I have received several calls back to back from the same company saying they are going to send me to court for debt. The calls started on XXXX XXXX, 2016. They left a threatening voicemail to send me to court. The next day, the same lady that was on the voicemail called me 4 times back to back and I answered and asked that she please leave a voicemail and stop calling me. She says " I 'm gon na keep calling you until you pay this debt! So hang up so I can continue calling. '' The only reason why I have n't received any more calls is because I blocked the number on my phone. I then called to speak to the supervisor and he was rude saying " Well if you answered and paid your debt, she would n't keep calling you. '' I then told him that harassment is against the law and his associate was harassing me. He said " Well since you wan na report me, I 'm gon na go ahead and send you to court. We do n't care about a harassment charge. You should just pay us. '' I then hung up and proceeded to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: GA

Complaint narrative:
Calls coming about every other day. Sometimes no XXXX answers, other times tape says something about student loan debt. I never had a student loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 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: Focus Holding Company
State: CA

Complaint narrative:
I notice my credit had a negative reporting from this company. This debt was an older debt but they reported it as current charge off as of XXXX/XXXX/15 which isnt true. This was already sent to another agency who could validate the debt ad was removed off my credit. This is the XXXX time it has been reported. So now im being punished XXXX times for the same debt that was originally removed. Just because they purchase the debt doesnt mean they can lie and try and ruin your credit. Also i notice they do this all the time with many people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: TX

Complaint narrative:
Continuous calls several times a day for months, leaving no message. I had to call back to find out who they were.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
Freedom Mortgage does not document my current escrow balance. My loan originated with XXXX Mortgage and had been serviced there for 3 years prior to being sold. Freedom Mortgage does not reflect on their website or my monthly statement what my current escrow balance is. I am not provided enough information to determine what it is either. There is no starting balance for the year or disbursements for the year. Only the amount paid in for the year is shown. I have no way of knowing for certain how much of my escrow money Freedom Mortgage holds. I was told that I could call to get that information. I have done that several times and the reps are not very helpful. They just state the amount that I have paid in for the year.

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