vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XX/XX/XXXX we were approved for a program called Keep Your Home California ( KYHCA ) for Unemployment Mortgage Assistance. Since I was unemployed I wan not able to pay my credit card bills and subsequently filed for Chapter XXXX bankruptcy protection. My bankruptcy was discharged on XXXX XXXX, XXXX. On XXXX XXXX XXXX my mortgage servicer ( Select Portfolio Servicing ) incorrectly informed Keep Your Home California that I was in an " Active '' bankruptcy when in fact I was not. My bankruptcy was discharged on XXXX XXXX, XXXX. Now that my bankruptcy stay has been lifted ( after the discharge ), Select Portfolio Servicing ( SPS ) said that they will no longer accept payments from KYHCA even though I still qualify for the program based on my unemployment & the fact that my bankruptcy was discharged on XXXX/XXXX/XXXX. I called their Ombudsman department & spoke with XXXX XXXX & XXXX XXXX and they confirmed not receiving the Federal Bankruptcy Court letter of Discharge in a " timely '' matter ( even though they are listed as a creditor on the Bankruptcy Court documents ). According to the SPS Ombudsman department, this is why they are planning to return the last payment made by KYHCA made on XXXX XXXX, XXXX and will cause us to go into default with their account. Both Select Portfolio Servicing XXXX KYHCA are aware that I am still unemployed & can not afford my mortgage payment. KYHCA has stated that they are willing to make payments on my mortgage but that it is up to SPS to accept these payments. 

I feel that SPS is taking this action after my bankruptcy discharge because they know that I am no longer under the bankruptcy court mandated stay. They have appraised our home above what we owe SPS and feel no risk in forcing my family into foreclosure even though they admit that they would be able to accept payments from KYHCA after the bankruptcy discharge ( if they would correct/update their records ). 

They admit taking the following action after the bankruptcy discharge date of XXXX XXXX, XXXX : 1 ) Knowing that we are no longer under a bankruptcy court mandated stay 2 ) Returning the last mortgage payment made by KYHCA on XXXX/XXXX/XXXX causing us to go into default. 3 ) Sending a letter to KYHCA on XXXX XXXX, XXXX stating that they would no longer accept their mortgage payments on our behalf. 4 ) Having an appraised value of our home greater than the amount owed to SPS. 5 ) Confirming that a payment would normally be accepted by KYHCA after a bankruptcy discharge. 

Any help would be appreciated. 
Thank you, XXXX 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 2015-11-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
An addendum to my complaint submitted early in the week : After becoming thoroughly frustrated with Nationstar Mortgage ' s horrible refinance process and giving them the red light, the company 's underwriting team ( Greenlight ) decided to send me a denial letter! Really??? It took you four months to make this decision? Poor! So what happens to my current loan with this company? Maybe I will blessed and Nationstar Mortgage will sell my loan! I suppose this is what happens when you file a complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I brought a car from XXXX XXXX in XXXX, Texas in XXXX, 2011 I found out my company had lost the contract at XXXX and I was GOING TO OUT OF WORK. I contacted the dealership and told them that I could not afford to pay for the car, they told me to contact the dealership. call Regional Acceptance CO a week after I brought the car and tried to explain to them my dilemma. They tried to talk me into keeping the car, and finally decided to come to my home and pick it up. I will be a first time home buyer and thgis is stopping me from purchasing a home. CAN YOU PLEASE HELP ME?

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 2015-06-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My servicer, Select Portfolio Servicing ( SPS ), has made major errors in the following areas : XXXX. SPS mailed my trial modification to a strange company and did not use my address. XXXX. I became aware of my approval for a trial modification in XXXX and the XXXX payment was XXXX XXXX. XXXX. SPS has grossly inflated my income. All these errors were made in an attempt by SPS to cause a deliberate default on the trial modification. SPS prefers to profit from foreclosures. See attached - SPS mailed an approval to XXXX at an address that is not mine. I have never conducted business with XXXX. SPS informed me of my approval in XXXX and told me my XXXX payment was due XXXX XXXX. Finally, my pay stubs are attached. SPS falsely claims I make {$9300.00} per month. It is blatantly clear that they have confused my file with another. I have additional income with a rental property. This income becomes a wash when using the 75 % underwriting standard. My income was inflated by a XXXX dollars each 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 2015-07-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2015, I filed the paperwork to start a chapter XXXX bankruptcy and advised Select Portfolio Servicing and XXXX XXXX XXXX ( trustee handling the foreclosure action ). Without getting a relief of stay, the foreclosure sale was rescheduled to XXXX/XXXX/2015, which is a violation of the stay. Both SPS and XXXX sent letters advising the sale was rescheduled. The sale should have been cancelled, since all foreclosure activities are supposed to cease, and the trustee 's sale ca n't be reset until after the bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: First Data Corporation
State: NC

Complaint narrative:
Went to XXXX in XXXX, NC and wrote a check for {$57.00} The check was improperly denied. I received a call number slip with Telecheck as the point of contact. The denial code I received was Reason XXXX XXXX XXXX. I spent XXXX minutes on hold and I was abruptly dropped as soon as my call was transferred to a live person. I demand a copy of my Telecheck credit report. Also, if Telechecks fails to clear my file and resume authorization of check writing, I will have no choice but instruct my Chapter XXXX Bankruptcy Attorney, XXXX XXXX of XXXX in XXXX, NC, to file a Federal against Telechecks. 

Telecheck should know that their competitor, XXXX, engaged in similar practices and had a Federal lawsuit brought against them. XXXX lost the lawsuit had to pay XXXX in fines and punitive damages to customers. If need be, I will bring a similar lawsuit against them and if need be, find others to pursue a multi-party class-action against Telecheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank was alerted XX/XX/2015 and XX/XX/2015 that they had failed to properly post information on my credit reports. The misreporting showed me serious delinquent for 5 years instead of the account being charged off and no longer past due. Including the fact that it never properly stated the date of last payment. 
After being notified, my XXXX credit report was amended to properly show the date of last payment, no longer delinquent and the charge off. 
However, my XXXX and my XXXX were never amended and I continue 6 months later to be showing as serious delinquency. 
For intentional violations of the FDCPA for 6 months after being properly notified Citibank should be fined {$1000.00} at minimum. They had a duty after being informed to properly respond, not partially. 
If they choose not to amend the records AND pay a fine to me then I will start a small claims filing for the amounts due under Federal Law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
In XXXX XXXX my Mortgage was transfered to a new company Nationstar Mortgage account # XXXX the terms of my original Mortgage agreement signed XXXX/XXXX/XXXX states payment are due on the XXXX of every month but I have till the XXXX of ever Month to make payment. 

Today XXXX/XXXX/XXXX I arrived at work to an excitable co-work who explained Nationstar had called about my Payment. being Late and leaving a call back number and code ( XXXX ) XXXX code # XXXX. Why am I getting an embarrassing call at work about a Mortgage payment that is n't late till XXXX XXXX. In the pass I have received lots of Email from Nationstar about willing to help me with payments. Once again My account is n't late Example of Email : Dear XXXX, Everyone at Nationstar is committed to " helping homeowners succeed. '' To keep things easy for you, we offer multiple ways to make your monthly payments. There are XXXX convenient ways you can pay right now : You have XXXX ways to pay right now : Click here to make a one-time payment online. ( No fee if received within nine days of XXXX/XXXX/XXXX ) Call to make a payment using our automated phone system : XXXX. ( Fee applies ) Call and pay by speaking to a Nationstar Representative : XXXX. ( Fee applies ) Remember, we 're here to help! If you have any questions or concerns about making your monthly payment, please call us now to discuss possible solutions at XXXX. If you have already made your scheduled monthly payment, you may disregard this email. 


Thank You, Nationstar Mortgage XXXX # XXXX My Mortgage is n't Late till XXXX XXXX but for some reason I 'm being harassed by Nationstar

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
I made a request to Nationstar Mortgage to cancel the ongoing private mortgage insurance. A few weeks after a home inspection by an authorized Nationstar approved appraiser, I received a form letter with a reason checked off that my mortgage balance had not reached a qualifying percentage of the " Original Value '' meaning the contract sales price of the property. I called the phone number associated with the appropriate department at Nationstar and was told that the correct percentage is not computed on the home 's contract sales price but on the amount financed through the mortgage. I believe this to be incorrect and attempted to explain my views to no avail. What is the correct way to calculate a balance subject to the PMI? The contract purchase price of the home was {$400000.00} with the remaining balance of approximately {$280000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I was in a repayment plan for past due taxes on my reverse mortgage with XXXX Mortgage. When the servicer changed to Champion Mortgage, I even increased the monthly amount and then was told, after having made XXXX payments, that they would no longer be accepting my payments. Subsequently, I was unjustly forced into default and served with foreclosure papers. I am now being told that they can not offer a repayment plan because the loan is in default. In addition, after having sent proof that I have been paying the homeowner 's property insurance, they continue to this day to state that I defaulted on the insurance payments and they have been adding the amounts to my loan balance, which is completely inaccurate. I am currently working with XXXX XXXXXXXXForeclosure Prevention Counselor who works for XXXXcertified agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
This company calls me at my job every month to remind me to pay my mortgage. I have never been late. This company just bought my mortgage recently from XXXX. I consider this harassment especially if the payment is not late and calling me at my place of work. I do not need a reminder to pay my debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Name of the product or service involved. - REFINANCE The dollar amount in dispute. - {$400.00} APPRAISAL FEE The date of the transaction. - XXXX/XXXX/2016 Identify your attempts to resolve the issue ( s ) with the company, corporation, or organization. - I COMMUNICATED WITH QUICKEN LOANS MY BELIEF THAT I WAS N'T TREATED FAIRLY DURING THE REFINANCE LOAN APPLICATION PROCESS, IN PARTICULAR, IN THE HANDLING OF THE ENTIRE APPRAISAL PROCESS. ESSENTIALLY MY GRIEVANCE WAS THAT I MAY HAVE BEEN A VICTIM OF A " BAIT AND SWITCH '' TACTIC. IN SHORT, BEFORE I APPLIED TO REFINANCE WITH QL, I SHOPPED AROUND FOR THE BEST DEAL AND SHARED QL 'S LOAN ESTIMATE WITH MULTIPLE LENDERS. THE FEEDBACK I RECEIVED FROM THE OTHER LENDERS WAS THAT THE XXXX PROVIDED BY QL WAS BELOW MARKET AT THE TIME AND TYPICALLY WOULD REQUIRE PAYING POINTS TO BUY DOWN AT QL 'S QUOTED RATE. I ELECTED TO MOVE FORWARD WITH QL IN GOOD FAITH. AS THE APPRAISAL PROCESS UNFOLDED, THERE WERE RED FLAGS. IN PARTICULAR, THE APPRAISAL COMPANY USED ( XXXX XXXX ) IS AFFILIATED WITH QL AND BOTH XXXX AND QL ARE OWNED SUBIDIARIES OF XXXX XXXX XXXX AS THE APPRAISAL PROCESS UNFOLED, THE OUTCOME WAS ME BEING CHARGED POINTS FOR THE LOAN WHICH TURNS OUT TO BE WHAT THE LENDERS FORETOLD ME. I SHARED MY CONCERNS WITH QL AND REQUESTED FOR A REFUND OF MY APPRAISAL FEE DUE TO THE POSSIBLE CONFLICT OF INTEREST BETWEEN XXXX AND QL. UNFORTUNATELY, WE WERE NOT ABLE TO COME TO A SATISFACTORY CONCLUSION. I HAVE ELECTED TO WITHDRAW MY REFINANCE APPLICATION AND PURSUE RECOURSE SUCH AS THIS COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The borrower 's was notified of a Trustee Sale scheduled on XX/XX/2016. They received a notice on/before XX/XX/2016. When they contacted the lender to request Mortgage Assistance on XX/XX/2016, they were informed by the lender that they needed 37 days prior to the Sale date to consider any mortgage assistance options. Consequently, the borrower asked the representative why were n't they provided the notice at least 37 days before the Sale date so they have had enough time to request mortgage assistance. The representative said that that was something that they were not required to do and that the Sale date will go through as scheduled unless there was a purchase offer submitted for the property, and even if there was, they may not be able to postpone the Sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
My home has been foreclosed upon and we have exhausted all appeal remedies ( even though the appellate court had to rule against itself in denying my appeal ). However, I have also been asked to participate in the Servicer 's Home Retention Program. The Servicer is Select Portfolio Services , Inc. They accepted my application in the program awhile back, and numerous stays, all at only 45 days each, from selling my property, have been granted by the court. However, since there have been so many of these, the Court required that a hearing take place to stay the next sale, set for XXXX XXXX, 2017 -- a week from tomorrow. 
I received a decision letter from SPS ' home retention program, where they denied working with me to retain my home, but will allow me to short-sell it for an amount far less than they say I owe with all the fees and attorney charges added on. I have offered them an amount roughly {$50000.00} above what they will accept on a short-sell, but they refuse to work with me. However, I do have thirty days from their decision date ( XXXX XXXX ) to appeal their decision and seek explanations as to why they will not approve me for some sort of repayment plan. The denial letter is attached, and interestingly enough, since this is a rental property I own, the Tier 2 program was of great interest to me. Their reason, shown on page XXXX of the denial letter, for not being able to offer me the Tier 2 program was that I have " not missed two or more mortgage payments. '' If that 's the case, as they state in writing, why then will they not just start accepting payments from me? 
We assumed since it would be in violation of RESPA laws for my property to be sold while I still have an appeal in the works, the judge would grant our motion to stay today. She did not. We are now looking into options to appeal her decision to district court or wherever, to keep them from selling my home while I still have an opportunity to appeal and perhaps retain the home by reasonable negotiations. 
I have attached below the copy of the affidavit we submitted with the motion to stay that resulted in today 's hearing. If you read through that, you can see all the ways in which I have been jerked around by SPS, and I have several prior complaints from their telling me they were refusing to follow the law and stay previous sales ( that we 've managed to get stayed up until now ). I need your intervention to compel SPS ( who showed up at the hearing today and opposed my request for a stay ) to follow the law, and for THEM to request that the judge recant her decision of today so that SPS will not be in a situation of dual-tracking me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
I recently refinanced my mortgage with Quicken " rocket ''. Quicken repeatedly tried to charge me points for rate locks where ( 1 ) the cost was not disclosed prior to the charge being assessed ; and ( 2 ) no options were presented with regard to the length of the lock or the cost of various alternatives. I refused to pay and Quicken removed the charges but showed no remorse and apparently think there was nothing wrong with their behavior. I believe this practice is costing consumers many millions of dollars per year in needless charges that they are not astute enough to recognize or complain about. I would hope the CFPB would require fuller disclosure of rate lock costs and options. ( I am a XXXX, and had no idea this type of behavior was permissible ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). the lender has also not allowed the clients counsel to assist the client in retaining the home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar Mortgage, debt collector, sent me an " ABANDONMENT OF ACCELERATION '' on XXXX XXXX, XXXX. However, XXXX agent foreclosed on the property on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Instrument XXXX was recored and executed in the XXXX XXXX Real Property records. 


CAN ACCELERATION BE ABANDONED AFTER THE FORECLOSURE SALE IS COMPLETED?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: BB&T CORPORATION
State: NC

Complaint narrative:
It 's BB & T calling every morning at XXXX in an attempt to collect a debt for a charged off account. This phone number does not belong to the person owing the debt, but does belong to a relative of the person. It 's annoying because its not a live person but a recorded message. Please stop these calls

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar has reported false and incorrect information to the credit bureaus indicating I am more than {$110000.00} delinquent. Nationstar 's predecessor, XXXX XXXX XXXX, NEVER attempted to collect after the foreclosure sale. 

There 's been active litigation between XXXX and myself since XXXX 2012. I have included the most recent docket entry on the Federal lawsuit.

Company response to consumer: Closed with explanation