vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: FL

Complaint narrative:
After the transfer of my mortgage loan from XXXX XXXX to Selene Finance. A payment was not credited to my account. Furthermore, the loan, at the time of transfer was in payment 4 of a trial loan mod. All of the payments had been made and cashed early : between 8 and 26 days early. Instead of receiving permanent modification documents we received notice of the transfer of the loan to Selene Finance. We continued to make payments under the terms of the modification. Selene offered a modification but with terms substantially different than those in the program we were in. The terms are very unfavorable to us with the interest bearing amount they want being {$170000.00} on a principal balance of {$100000.00} and a house valued at {$110000.00}. They now have rescinded even that offer and have asked for the total amount due because they say that payments are late. In fact all 9 payments have been early - an average of 22 days. Selene Finance has not credited one of the payments - that for XXXX, and therefore they are saying XXXX, XXXX, XXXX and XXXX were " late. They returned the XXXX payment which was made XXXX XXXX and returned XXXX XXXX. They have rejected the payment because they will not accept a partial payment and want the entire delinquency. After the transfer we contacted Selene several times using for a permanent modification under the terms we were offered. They have this trial modification documentation. I know this because they sent it along with other paperwork to us. We have asked them, in writing, for an accounting several times of the Attorneys fees and corporate advances totalling over {$10000.00} together. To date we have not received and answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: WY

Complaint narrative:
My complaint is regarding my mortgage loan, and my unsuccessful attempts to achieve a loan modification or a short negotiated pay-off. 
Since the origination of my mortgage with XXXX, there have been several transfers, both in the owner/certificate holders, as well as the servicers. A securitization audit was completed, to find the current owner of the mortgage. After the dissection of the securitization audit, it was discovered that XXXX did not follow the proper chain of title. 
The loan originated on XX/XX/XXXX. The XXXX for assets to be transferred to XXXX XX/XX/XXXX XXXX, was XX/XX/XXXX. According to courthouse documents, the transfer took place on XX/XX/XXXX, in XXXX, New York. The assignment misses the cut-off date by XXXX years. 
In addition, I was never notified by XXXX, that my mortgage is now owned by their certificate holders. It is my understanding, that by law/regulations which have been established by the government, I should have been notified by the new owner, within the first 30 days. It is by these same practices that XXXX and other banks were fined billions of dollars for the improper transfer of mortgages, and not following the proper chain of title. 
Below you will find an excerpt from a website which lists the guidelines required by the government. 
Transfer of Loan Ownership The ownership and servicing rights of your loan may be handled by XXXX company or XXXX. If ownership of your loan is transferred, the new owner must give you a notice that includes : the name, address and telephone number of the new owner of the loan the date the new owner takes possession of the loan the person who is authorized to receive legal notices and can resolve issues about loan payments where the transfer of ownership is recorded. 
The new owner must give you this notice within 30 days of taking possession of the loan. It is in addition to any notices you may get about the transfer of the servicing rights for your loan. www.consumer.ftc.gov/ ... XXXX Furthermore, upon one of my many inquiries to XXXX XXXX in my attempt to find the current lien holder, I was sent a document with a notice date of XX/XX/XXXX. The notice explained that effective XX/XX/XXXX, XXXX, would be the servicer of my mortgage. This is very strange, since I have never received correspondence from XXXX. This is yet another discrepancy which has taken place, which shows the lack of proper business etiquette and compliance/adherence to the established laws. 
At my request, from XX/XX/XXXX-XX/XX/XXXX, XXXX separate XXXX did extensive research with their XXXX. They could find no record of my mortgage which was associated with XXXX or in their data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I responded to an advertisement to get alarm system protection for my house at a promotion rate by company called XXXX. Few days after I got contacted by a company called XXXX stating they are the party that was hired by XXXX to install my service that was ordered from them. Obviously I contacted XXXX to make sure it is correct what they are telling me because I do not trust anyone to come in to my house. One week later they came in to install my security system and they spend 2.5 hours in my house and told me they need to come back to finish the installation and at that time they give me a paper for contract to sign and I refused to sign it at that time and told them I will sign the contract once the installation is finished and my system is ready to operate. This transaction happened in XX/XX/2016. Since then I have been contacting XXXX and XXXX to schedule a time to finish the installation. Both companies had given me so much run around which I told them I do not want to do business with them any longer and I hired someone to take all the wiring what they done and boxed them and put it in my garage and whatever the equipment they brought in originally which was in opened and was in box still sitting in my garage. I had received phone calls from XXXX requesting money for service that was not done and every time took me 20 to 45 minutes explaining that my security equipment was never installed and I have everything in the box to send back to them and all i need return authorization which i never received. About two weeks ago i got a collection call which followed up with a letter from a company called MCCARTHY, BURGES & WOLFF demanding {$970.00} from me. Immediately I requested a debt validation from them .Earlier today I received their validation paper which showed my signature on the contract that someone has forged my signature. The great part is I have the original and the copy of original contract that was never signed by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Please allow me to introduce myself, my name is XXXX XXXX. I have a legacy of issues with Specialized Portfolio Servicing XXXX SPS XXXX. This company is far from being a competent, fair and honest mortgage servicer. 

I have a history of the SPS miscalculating and property tax escrow funds. As a result, a local Georgia out sourced collection company XXXX XXXX has taken the negative action of placing a property lien on my property without notifying me prior. I only received a tax lien noticed from XXXX without prior communication or warning. SPS did communicated to me on this matter. 

In XXXX of 2015 I received a large check from SPS due to a miscalculation of my mortgage payments when my mortgage servicing was transferred from XXXX Mortgage. I received no interest or compensation for this error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
To Whom It May Concern, I am a co-signer on my son, XXXX XXXX XXXX loans. I became XXXX XX/XX/2010. I spoke with them about taking me off the loan because I had no ability to pay this loan. This began an avalanche of threatening phone calls. I ca n't help my XXXX or my lack of income. You can not work with these people. My son and I spoke with a gentleman at Navient/XXXX about making 12 consecutive payments to have me removed as co-signer. My son set up pre-arranged schedule autodraft payments to satisfy the requirement for taking me off as a cosigner. My son made each and every payment as scheduled by Navient/XXXX. When the 12th payment was complete, we called to have me removed. Each person that we spoke with did not have any record of the arrangement and stated one of the payments was late even though it was scheduled by them to be autodrafted out of my son 's account. 

In addition, I asked for a copy of the individual loans complete with signatures and got some documents but none were signed. I again requested the documents and was told they were not available and even if they were available, that I could not have access to them. 

Some time later XXXX had an agreement with them to make payments at a specific interest rate ( 3 % ). After paying as agreed for a year I received a phone call threatening default. I asked if XXXX had made payments as agreed and why he was behind when they had processed the payments per the agreement. They had no response but that he was behind and if additional payment was not made it would begin legal proceedings. 

The most frustrating part of it all was the lack of communication and the lack of records kept from previous interactions with XXXX/Navient. Each person we would speak to would have record of any of the previous calls/interactions with their company and we would get transferred to multiple departments. The whole time I felt like I was receiving the run around. My son and I tried to continually make arrangements with the company but they had no records of previous communication. We asked for records but they refused to give us anything. We finally gave up and hired a lawyer. Awaiting default/collection notice as the loans defaulted XX/XX/XXXX or XX/XX/XXXX and still not communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hello I tried to file a deed in lieu of foreclosure with Nationstar mortgage ( account number : XXXX ) and I submitted all the required forms to my rep, XXXX XXXX, but she never responded. The first time I submitted the forms via fax was on XXXX/XXXX/2015. She did respond. I called and emailed her again on XXXX/XXXX/2015 and XXXX/XXXX/2015 and again, no response so I refaxed all requested documents. She still did not respond. I finally reached a deed in lieu representative on XXXX/XXXX/2015 who told me my home now has an auction sale date of XXXX XXXX and I can no longer qualify for a deed in lieu because there is a sale date. At that point I then enlisted the help of my agent XXXX XXXX to try to attempt a short sale and he submitted a request that same day. Still my request was denied because I was told there was not enough time to review my short sale request. I 'm very upset because I initially did everything I was told to do to complete the deed in lieu on time before a sale date was even put in place and because the rep refused to return my calls or emails I 'm not unable to complete a deed in lieu or even a short sale now. 

Please help as I feel my lender did not operate in an ethical manner and I 'm now unable to pursue any other options. 

Thank you. 

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 2017-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We have had a home equity loan with Chase Bank since XXXX. In order to get the loan, a walk through appraisal was done at the time and the value of the house was given at {$620000.00}. We have a first mortgage with another company and the total borrowed amount was under 80 % of value. All accounts were paid on time and the full amount of the home equity loan was used for projects in the home. During the housing downturn of XXXX, Chase notified us that because housing prices were down, their electronic valuation tools put the home value at just over {$400000.00} and they placed a lock on the home equity loan. We used all the funds and were paying on time, so we had no problem with it. In early XXXX, while purchasing a new car, we were told the lock on the loan was a red mark on our personal credit reports. Now that home prices have returned to their former value, we contacted Chase to remove the lock and asked them to use the same electronic valuation tool they used before to value the house. They refused to remove the lock or tell me what the value would have to be. They insisted I had to pay for a full walk-through appraisal in order to remove the lock. So I paid an appraisal company to do a full appraisal - almost XXXX pages, with photos and XXXX local comps to justify the value of the house - now at {$530000.00}. The XXXX mortgages would still be under the 80 % of value required. It took three weeks and multiple visits to a local branch, faxing, emailing and communication before they finally got acknowledged receiving the appraisal copy. After a few more weeks and phone calls, they rejected the new value and refused to remove the lock because they did not order the appraisal - after telling me I had to do it myself. Again, we were not looking for more money, all I wanted was the red mark removed from our credit reports. We were told we can re-apply for the home equity loan using their appraiser. I was never told the value they were looking for to remove the lock.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
Hi my name is XXXX and I 'm writing in cause i was lied to about my opinions to save my home through the government program called harp i told that the program had ended and disputed that cause i had received lots of information from harp telling that i qualified and do n't let my morage company tell me that i do n't i told my rep at nationstar only to be told that is program had stoped and no longer exist which was totally not true i told him that i wanted to save my home and that did n't believe what he was telling me but i when out looking for someone to give me a second cause my home was given to me by my mom and it was paid off which i sent him the proof in an email and i only borrowed XXXX which my ex wife stole from me I 'm really trying to take care of this my one opition is to go into my XXXX and another fund at my job or harp or file bankruptcy but i do n't want to lose my home and i want to be told the truth about the programs

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My mortgage servicer, Select Portfolio Servicing , Inc. ( " SPS '' ) has since about XXXX claimed to be the authorized servicer of my mortgage, Security Deed and Promissory Note, on behalf of XXXX XXXX XXXX Bank, XXXX. the successor in interest to XXXX XXXX XXXX XXXX EXHIBIT A. 
In fact, on XXXX XXXX, XXXX, XXXX assigned all rights and powers under my mortgage, Security Deed, and Note to the Bank XXXX New York. EXHIBIT B. 
SPS never notified me that my mortgage, Security Deed, and Promissory Note had been assigned and transferred from XXXX XXXX XXXX Bank to Bank XXXX New York. 
SPS never told me that, after XXXX XXXX, XXXX, that only the designee of the Bank XXXX New York, AND NOT SPS, was authorized to act on behalf of Bank XXXX New York with respect to my mortgage, my Security Deed, and my Promissory Note. 
Instead, SPS falsely, fraudulently, illegally and wrongfully continued to act after XXXX XXXX, XXXX, through to the present day, as though SPS was authorized by the Bank XXXX New York with respect to my mortgage, Security Deed, and Promissory Note when SPS was not so authorized. 
On XXXX XXXX, XXXX, XXXX recorded a second " Corrected Assignment, '' which assigned all rights and powers under my mortgage, Security Deed, and Promissory Note to " XXXX XXXX XXXX XXXX XXXX XXXX. '' EXHIBIT C. 
In consclusion, since XXXX XXXX, XXXX, mortgage servicer SPS has fraudulently, falsely, wrogfully, and illegal represented itself as being authorized to act as mortgage servicer for my mortgage, Security Deed, and Promissory Note when SPS was not so authorized, and I have been greatly damaged thereby. 
In connection with SPS 's misrepresentations, I have repeatedly requested in writing, by means of valid QWR 's, documentation setting forth SPS 's conduct and for an accounting as mortgage servicer of my mortgage, Secuirty Deed, and Promissory Note. SPS has violated RESPA, XXXX XXXX. XXXX XXXX XXXX XXXX, by failing and refusing to provide an accurate report of and accounting for its actions as mortgage servicer of my mortgage, Security Deed, and Promissory Note. 
SPS ' failure and refusal to take corrective action with respect to an accounting for and the proper servicing of my mortgage, Security Deed, and Promissory Note also violates the Fair Debt Collection Practices Act, 152 U.S.C. XX/XX/XXXX, and I have been greatly damaged thereby. 
SPS has been wrongfully threateening me with foreclosure over an arrearage of mortgage payments, the amount of which SPS has greatly exaggerated by ignoring the fact that the Note is an interest-only note.

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 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I was laid off of my job in 2011. My mortgage was with XXXX XXXX XXXX at the current time. XXXX XXXX XXXX was working with me in a forbearance on my loan. During the time I was in my forbearance period my loan was stole to Bayview Loan Servicing llc. Bayview stated to me that they was n't honoring the forbearance that XXXX XXXX XXXX had granted me before the loan was sold to them. Since my loan has been with Bayview I have tried getting a modification several time with no success. While looking for avenues to save my home I learned that my loan was switched from an FHA to an conventional loan without me signing any paperwork. Bayview has attempted for foreclose on my property which led to me filing bankruptcy. Since I have filed bankruptcy I tried for a modification again. It has been several months with no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
My wife and I needed a vehicle but due to our financial situation we had to get our loan through Regional Acceptance Corp based at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a subsidiary of BB & T banks. We paid the amount of the loan {$440.00} every month, but due to other financial situation we ended up having to declare bankruptcy. We decided to keep the vehicle as the asset we could retain, in lieu of the house, as per the bankruptcy proceedings. Our lawyer stated that we could delay payments on the vehicle, But I Repeat, we did not delay or defer any payments to XXXX XXXX prior to, during or after the bankruptcy proceedings. XXXX XXXX however locked us out of our account on the internet and informed us that we now had to send the payment to XXXX Bankruptcy Dept. XXXX XXXX XXXX XXXX XXXX XXXX which we did each and every month. We have not received a statement from XXXX XXXX XXXX for over 48 + months. We have sent to them along with our payment check our new address and our new phone numbers when we moved from XXXX to XXXX, but we still have n't received a statement. We inquired about this several times and still received no answer about this, we did receive a phone call from a person named " XXXX '' from their bankruptcy dept. that we could not refinace the vehicle loan but that our payment would not have any late fees attached if they received the payment at or before the XXXX of each month. 
Our loan was for six years and should have ended in either XX/XX/XXXX or XX/XX/2016. It is now XX/XX/XXXX, we have not received the title to the vehicle or a statement. 
Are we suppose to pay for this vehicle for eternity or what?

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 2016-07-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: COMMERCE BANK
State: KS

Complaint narrative:
I paid off my car loan five months ago. I have asked 3 times for a lien release. I traded my car to a local dealer who is threatening to repossess my new car because i can not provide them a copy of the title or a lien release on my old car. Each time i call Commerce Bank they tell me that they will process my request and mail it out to me. I called them again today and told them that i need this done today. They refused to accommodate my request and said it would take XXXX to 10 more business days to process the lien release.

Company response to consumer: Closed with explanation