vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: RI

Complaint narrative:
My mortgage servicing was recently transferred XXXX to Nationstar. I received a letter from Nationstar telling me that " recent changes in Flood Maps '' now required that I obtain flood insurance. It says the property is in an A flood zone. From what I can determine it is in an X zone. I assume this was done due to recertification though a vendor at transfer. The letter is dated XXXX but not received until XXXX giving me 30 days to place coverage thus giving me 3 weeks to act. They are threatening to force place coverage and increase my payment. ( I have 40+ years dealing with mortgage servicing, lending and risk and taught classes on the subject ) I assumed that this was an error and would be quickly resolved but information on the internet regarding Nationstars complaints and class action suits give me a sense of urgency and aggressiveness to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: WV

Complaint narrative:
In XXXX XXXX, my XXXX XXXX XXXX was deemed a total loss by my insurance company ( XXXX ) after I hit a deer. The loan for my car was financed through BB & T and I also had GAP insurance ( XXXX ). XXXX insurance paid for everything except a remaining {$2800.00} on the loan. On XXXX XXXX, XXXX, I received a notice from BB & T stating that my vehicle loan, in it 's entirety was " Paid and Satisfied ''. The document was signed by " XXXX XXXX '' and dated XXXX/XXXX/XXXX. I immediately called BB & T and verified that no further action would be required from me regarding my account. A BB & T representative in the customer service department named " XXXX '' assured me that no further action was required. On XXXX XXXX, XXXX, I received a late notice for my account, stating that I owed BB & T my monthly payment of {$330.00} for the month of XXXX and that I had a late fee. I checked my BB & T account online and it stated that I still owed {$2800.00} as well as the additional late charge fees. I contacted " XXXX '' GAP insurance company and they stated that they were still finalizing my claim. I received a notice from GAP dated XXXX/XXXX/XXXX, stating that a check for {$2800.00} had been mailed to BB & T. I received another statement from BB & T on XXXX/XXXX/XXXX, stating that my account was still overdue and that I owed {$700.00} for the months of XXXX and XXXX. When I checked my online account, it still stated that I owed the {$2800.00}, plus additional fees. When I contacted BB & T, a representative of the total loss department informed me that they had received the check from XXXX GAP Insurance, but that the check would not be cashed until a thorough investigation had been completed regarding the " Paid and Satisfied '' statement mailed in XXXX. I have called on multiple occasions throughout the months of XXXX and XXXX and I receive the same answer. BBT representatives from the " Total Loss '' department state, " The case is being reviewed by upper management, whenever a solution for this situation is reached, we will call and advise you of the outcome ''. Whenever I ask to speak directly to management, I 'm always referred to the general customer support number for " Total Loss ''. In the meantime, I continue to receive notices that my account is overdue and that I am being charged late fees. I called again on XXXX/XXXX/XXXX and received the same answer. I contacted a representative with the West Virginia State Attorney General 's Office, " Banking and Finance '' division, who recommended filing a claim with the CFPB.

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 2015-11-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I signed a statement with every complaint stating that the information given is true to the best of my knowledge ; I believe it is a criminal offense to give false information. 
I believe that the subject of my complaint should be held to the same standard. 
In Case # XXXX, Select Portfolio Services flatly stated that there was no payoff to XXXX Mortgage included in my " modification '' ( actually cash out refinance ) that XXXX did. As the new servicer, SPS should have had full documentation of EVERYTHING, including the paying off of XXXX Mortgage. 
They ( SPS ) continued denying paying off XXXX until I sent proof from XXXX Mortgage, as well as proof that XXXX never communicated with XXXX as to the status of my account. 
Therefore, I would like to add this to my list of complaints : Select Portfolio Services gave you false information in response to my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
Despite multiple requests by mail, e-mail, and voice-message, NationStar would not issued a corrected Form XXXX for many months, wasting many hours of my time. It took me until XXXX XXXX to get them to issue the corrected form.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
RE- XXXX XXXX To whom it may concern, I am horrified of SPS , and here is why : In or around XXXX XXXX SPS allegedly bought our loan from XXXX on or around XXXX XXXX, XXXX I received a letter from XXXX XXXX XXXX stating that my loan was in foreclosure SPS had my loan for less than 20 days prior to sending my loan to the foreclosure department I filed a complaint against the servicer with CPFB and also highlighted the fact that they never gave us a welcome letter, a mortgage coupon nor did they offer any alternative programs as required by law Within their response SPS stated that XXXX XXXX was hired by the previous servicer and they stopped a foreclosure that was never supposed to take place ( PLEASE SEE ATTACHED ) Unbeknownst to me SPS sent documents through the CPFB portal and never mailed said documents to my house SPS also stated that the reason that they did not offer any alternative programs is because they do not have a phone number when in fact I have had the same landline for over 20 years As I reviewed the documents I noticed that the payment history/accounting details they provided were only for the fiscal years of XXXX-present SPS to the best of my knowledge based off the documents sent have no accounting history or details from XXXX to XXXX. So how do they feel the accounting is proper when 6 years of details regarding my account are undocumented or missing from accounting. 
SPS also cancelled my homeowners insurance and told my insurance rep that the house was foreclosed on in XXXX ( PLEASE SEE ATTACHED ) when in fact a foreclosure never took place in XXXX or XXXX I also became aware as of yesterday that XXXX XXXX XXXX XXXX XXXX XXXX does not own my loan XXXX XXXX XXXX owns my loan however XXXX XXXX is advertising that the XXXX XXXX XXXX XXXX XXXX owns the loan Please also note that the mailing address on file is an unauthorized mailing address and was taken off my mailing list over 2 years ago SPS and XXXX XXXX, have not followed the laws regarding accounting, the fair debt collections practices act, privacy act, GA foreclosure codes rules & procedure HAMP, RESPA, XXXX and I am sure many other state and federal laws Lastly in XXXX we were involved in a Class Action Law Suit which stated that XXXX did not have any relationship with me to offer a loan modification pull my credit and or attempt to foreclose SPS is not a listed creditor on my credit profile as a mortgage servicer and shortly after the class action notice XXXX stop reporting to my credit report as well.

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 2016-04-27 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 continue to receive between 30 and 45 calls per week from Regional. I have received 3 voicemails within the last 2.5 hours during the work day. They continually call at exactly XXXX including on Sunday. Any reasonable person would agree that this is a violation and excessive. There is already a payment scheduled and I am still being harassed multiple times daily.

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 2015-09-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I paid all of my debt off on my credit report and XXXX company ( AR Resources ) has not reported it paid, so it 's still showing open and it 's hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I bought my family from 2006 and iwas given a loan by XXXX XXXX XXXX {$80000.00}, I told the broker I am receiving SOCIAL SECURITY {$600.00} per month XXXX due to XXXX. 
I was told my monthly mortgage is only {$1600.00} .The loan was negative ARM.When it started to increase the payment it was harder and harder for me to pay and i ask for modification, I was told not to make payments for 3 months to be able to qualify for modification for the meantime my loan is getting to the point that i exhausted all efforts to make payment .Nationstar mortgage LLC took over the servicing and colecting the mortgage payment but while on the process of modification Nationstar mortgage forclose my property by XXXX A LAW CORPORATION FOR BANKING INDUSTRY address XXXX XXXX XXXX, XXXX XXXX XXXX, CA,XXXX, XXXX XXXX and sold my property on trusstee sale XX/XX/XXXX.I beg to them that i have people helped me to save my property but they never gave me a chance. telling me I am allready forclose.On XX/XX/XXXX I filed for bankruptcy Chapter XXXX, again the BK is on process and the was trustee continued to auction my property. .I send a written request to give me the original copy of my property DEED OF TRUST, TRUTH AND LENDING ACT AND THE NOTE AND SECURITY INSTRUMENT, I have the physical possession of said documents in my name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX ..As of now I have not receive a response from XXXX. 
,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
I filed for bankruptcy XX/XX/XXXX, a Proof of Claim was filed by Nationstar Mortgage XXXX as Trustee as Creditor.Objection to the claim by my Attorney XXXX XX/XX/XXXX because Nationstar Mortgage could not show a transfer from Nationstar to XXXX Bank. XX/XX/XXXX Nationstar Mortgage Claim was ( Denied ) because Nationstar could not show a transfer to XXXX Bank. Incomplete escrow statements. attachment Did n't show what was actually paid from escrow Balance. I received Certification of Resolution. After the claim was denied XX/XX/XXXX I tried communicating with Nationstar and XXXX Bank on the phone could n't get no were just a run around.Doing that time I experience multiple hang-up and call transfer unable to communicate with anyone. XX/XX/XXXX there was a assignment of Deed of Trust filed by Nationstar Assigned Deed to XXXX bank Eleven months after I filed Bankruptcy and was asked show transfer they made up a Fraudulent assignment. XX/XX/XXXX Filed filed for Motion for relief, Stated that I had defaulted on payment. I was current on payment before they were denied payment because they could n't prove owner of note. XX/XX/XXXX I sent Nationstar and XXXX bank a Letter To who was owner ot note. XXXX XXXX received response from Nationstar stated they would get bank with me by XXXX XXXX still have n't heard back from them as of today XXXX XXXX. XXXX XXXX XXXX received response from XXXX Bank stated they are not the Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Had to retired from federal job due to XXXX problems current loan is with SPS as the servicer. This loan was a XXXX subprime loan generated before 2009 that XXXX had dump to SPS. We applied for HAMP due to financial loss of income and property value is XXXX and mortgage is for XXXX so under HAMP my understanding is Principal Reduction would be included. SPS and Investor approved a trial mod but not principal reduction need to know what they do n't comply with the HAMP rules. The account number XXXX for this mortgage. The HAMP modification does not help without a principal reduction. I have contact a lawyer to work with me and SPS on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
A company supposedly affiliated with my mortgage company is requiring me to get flood insurance when we do not live on a flood plain. There is only a phone number in the XXXX to call and they refuse to tell me anything or who is responsible. They do say they are affiliated with a company that sells flood insurance. There is only a XXXX XXXX to respond to. I have forwarded documentation to them that we are not on a flood plain and sent it certified mail, but they sent a second letter saying they are buying it for us and charging it to our escrow account. I have also sent duplicates to the president of Nationstar with no response either. They are going to bill us more than {$2000.00} if we do not show proof of flood insurance. The last time this came up, supposedly our former mortgage company was using a third party called XXXX who apparently was using wrong flood maps. We have checked with our county and with the main surveying company in this area asking about getting a Letter of Map Amendment for XXXX, but were told that we should not have to spend the {$1000.00} to get it done as we are not on a flood plain. It was suggested that this is a scam being perpetrated on people who live in areas where there have been minor floods in the past year. None of our neighbors received anything from their mortgage companies and judging from the complaints filed against Nationstar, there seems to be questionable practices against their mortgagees. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS has confirmed my investor is not XXXX, f/k/a XXXX ( is Trustee only ) however was vague as who is my actual investor on my mortgage Trust XXXX Mortgage Pass Through Certificates, Series XXXX is the owner of the account letter went on to say loan ownership status may change from time to time? please clarify SPS has been servicing loan since XX/XX/XXXX and should know who the current investor is as of XX/XX/XXXX. 
As the investor is whom denied my KYHC because it was over XXXX by less than XXXX XXXX dollars. 
I am sure SPS with removing some servicing fees would have met the XXXX limit to except Keep Your Home California. 
I have a right to know whom the 1. investor is as of XXXX XXXX XXXX copy of all assignments to make sure SEC guidelines were met XX/XX/XXXX-to XX/XX/XXXX. 
3. A complete breakdown of all transactions including insurance, fees, legal cost, and copy of mailing/shipping receipt I have been charged on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I received an e-mail yesterday at XXXX from Consumer Financial Protection Bureau asking me to dispute a response from Nationstar Mortgage. The problem with the e-mailmessage was that there is no response from the company to be disputed. Who ever sent it asked me to click on a link and that link took me to my own complaint case # XXXX. Instead of reading Nationstar Mortgage response I was reading my owncomplaint about Nationstar Mortgage. I do not understand the e-mail message. Could someone explain to me better or let me have the company response instead of reading my own complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
I applied for assistance in saving my home with Select Portfolio Servicing my servicer. They denied me on XXXX/XXXX/XXXX. I have an attorney helping me with the paperwork and they filed an appeal for me on XXXX/XXXX/XXXX. SPS sent me a letter on XXXX/XXXX/XXXX stating they received my appeal and they would respond to me within 30 days. I then received a denial of my appeal on XXXX/XXXX/XXXX. The problem and illegal action for which I am complaining is that SPS recorded a Notice of XXXX against my property on XXXX/XXXX/XXXX. According to my attorney, RESPA Reg X ( 1024.41 ) States no foreclosure action shall be ordered while a borrower is under an active review for loss mitigation. My appeal was not yet denied and I had not cancelled my request for appeal or review. The fact that they recorded a notice of sale on XXXX/XXXX/XXXX, which is 6 days before I was denied, is against Respa Regulations. In addition the denial letter makes no sense and basically confirms that they could appprove an affordable payment that is below XXXX % of my income. It also confirms they are using the wrong interest rate for my review. My current interest rate is 2.75 %. However, as you can see in the letter they are using my contractually due interest rate of 7.75 %. This is not how the guidelines are written. The review must use the current interest rate of the loan and not the interest rate of my loan from XX/XX/XXXX. SPS is basically just making up excuses and at the same time dual tracking my foreclosure. PLEASE ENFORCE RESPS REG X. What is the point of having Respa regulations without doing anything to enforce it. This CLEARLY shows on XXXX/XXXX/XXXX they confirmed my review was open and under review ( See attached letter ). How can they record a Notice of Sale on XXXX/XXXX/XXXX? RESPA Reg X states that the only way they can order a Notice of Sale to be recorded is after the appeal is denied or after I have advised them I am no longer appealing the denial. I never advised them I was cancelling my appeal. There are no questions regarding the timeline. They simply violated Respa Reg X by fling the Notice of Sale on that date. My attorney tells me that every time this happens, the servicer simply does nothing and continues with the foreclosure. CFPB does nothing except collect information and then I lose my home. CFPB in my opinion should demand the servicer rescind the Notice of Sale and re- record it if necessary after the XXXX/XXXX/XXXX date. Otherwise I am advising both CFPB and SPS that this home will be foreclosed illegally and I will pursue all legal action to reverse and cloud the title after the foreclosure if the Notice of Sale is not rescinded and re-recorded legally.

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: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Servicing is attempting to alter the original terms of the mortgage. 
i currently have a {$10000.00} home insurance deductible and SPS is requiring that I rework the insurance policy to lower the deductible to {$5000.00}. The {$10000.00} deductible also covers all contents within the home. The current assessed value of my home is {$970000.00} but the mortgage balance is {$400000.00}. 
This mortgage originated 10 years ago and met all insurance requirements. mortgage was bought and sold several times. SPS is the only company requiring I alter my insurance policy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage loan was with XXXX but they sold it in XX/XX/2013, was told they sold it to XXXX then XXXX and now SPS. Nobody can prove or show me paper work that they own my mortage. I pay SPS every month but when I call to get any documents they never send them to me. I have requested the Doc 's numerous times, even tried online but it says I have to call. Nobody can prove they hold my note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation