vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
In 2014, my business, as I am XXXX, had a downturn in gross income. The decline in income was temporary as my business is strong, but I lost personal income and fell behind in my mortgage for three months. I explained the circumstances, and asked my bank BB & T to help me with a deferment and modification as my interest rate is 5.75 %. As I am XXXX, my income was not high enough, to refinance, get a deferment, get a modification, and they suggested I sell my home. If I had not come up with the money that was owed, and the late payments that accrued, I would have lost my house. I am in the XXXX, and I can tell you, they were quick to turn on me, and begin foreclosure proceedings. BB & T fraudulently appraised my house {$200000.00} less than it is worth. I was surprised at the quickness that their resolution to me was to sell the house in a short sale. My house is worth, {$580000.00} they said it was worth {$380000.00}. As i look through title work daily, XXXX, I wonder how many people, who were unable to understand the process, and do not have the means to fight the banks, have lost their homes. I see foreclosures daily in my work, and hope that I may avoid this same scenario in the future by being proactive and speaking out about the banks unfair practices, especially toward the self employed. BB & T bank, if they would have just refinanced my rate, would have allowed me to save monthly. The bank, if they would have put the money I was late on, at the back end of my loan, modified the loan, I would have benefited. But they were not interested in helping me. BB & T would rather own my property like the many bank owned real estate inventories rising in America by pushing the little guy aside, throwing us all out on the street, and out of our homes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: OH

Complaint narrative:
Debt collector has falsely represented itself as working in real-time with my former wireless carrier ( XXXX ). I have alerted them several times to a dispute I have over the amount alleged as my debt, as well as alerted them to a complaint I have with XXXX lack of accurate customer service, or possible intentional misconduct. Requests I have made to have debt collector and XXXX verify my claims of overcharging and deceptive business practices have gone fully ignored. Debt collector tried to furnish xeroxed copies of disputed records as " debt verification. '' Debt collector continues to portray itself as a 3rd party, in the employ of XXXX. The more likely scenario is that they bought the debt from XXXX, and are trying to squeeze every dollar they can out of 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 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
We received a purchase contract on XXXX XXXX, 2015. SPS is the XXXX lienholder and for over a year we can not get a short sale approval. The XXXX Lienholder will not issue a short sale approval until the XXXX lienholder releases their short sale approval. I filed a complaint with the Ombudsman Department at SPS and I called in today to make sure they have received my complaint and a Rep. in the Ombudsman Department named XXXX told me that they will never issue a short sale approval until the XXXX Lienholder sends out their approval XXXX. I have both lienholders telling me that neither one will ever issue an approval until the other one does first. The XXXX Lienholder is a Conventional Private Investor. The Buyer has been hanging on for over a year and the seller has cooperated and provided everything needed for the file. I will be reaching out to our Liaison with our local Sentor 's office as well. Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
This is for XXXX XXXX XXXX, I paid this off I spoke with a XXXX from XXXX XXXX XXXX she also agreed I do not owe this money she has tried to get it taken off. her number is XXXX I sent a copy of my o balance to XXXX XXXX at AR Resources XXXX fax XXXX sent this fax XX/XX/XXXX I have been trying to get this off since XX/XX/XXXX, This is affected my score. I really want this off. I do not owe them. I can send a fax to show you the XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
NATIONSTAR MORTGAGE CONTINUES TO LIE TO CUSTOMERS ABOUT OWNERSHIP OF THEIR MORTGAGES. OVER AND OVER THEY CLAIM TO BE THE FEDERAL GOVERNMENT WHILE ACTIVELY DEFRAUDING IT THROUGH A COMPLEX BUT EASILY UNRAVELED FORECLOSURE SCAM. 

NATIONSTAR CONTINUES TO LIE ON THE CFPB RESPONSES, IGNORING NEW EVIDENCE WHILE PENCIL WHIPPING THE SAME, LYING, DISHONEST ANSWERS FROM PRIOR DECEPTIVE ANSWERS. 

NATIONSTAR TOLD THE CFPB THAT OUR PAYMENT IS {$940.00} THIS MONTH BUT OUR STATEMENT IN THE MAIL IS JUST UNDER {$2500.00} .... INTENTIONALLY DECEPTIVE WITH FEES ADDED AND GROWING FOR NO VALID REASON. 

NATIONSTAR REFUSES TO MAIL ACCURATE MONTHLY STATEMENTS. 

NATIONSTAR CONTINUES TO STEAL PRINCIPAL WITHOUT CREDIT. 

XXXX AND XXXX ARE RUNNING A WELL ORGANIZED, MULTIBILLION DOLLAR, CRIMINAL SCAM. 

FORTRESS INVESTMENTS AND NATIONSTAR ARE CRIMINAL ORGANIZATIONS AND XXXX SEEMS TO BE THE SOLE SOURCE OF ALL OF THE VIOLATIONS BELOW HIM. THEFT, DECEPTION AND WRONGDOING ARE STANDARD. 

COMPLIANCE IS NEAR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
On XX/XX/2017 I opened a letter from IQ Data Collection in regards to an amount they are claiming I owe to an apartment of some sort that judging by the address I have never lived at. I asked the debt collector to provide me with more information and she refused saying she talked to me on the phone and I know it 's my debt. I have no idea who this lady has talked to and what she is talking about. She proceeds to overall me and say that I lived there. The conversation got aggressive and I ended the phone call. Still concerned that they are trying to hold me accountable for a debt I did n't make I ask to send me information and she began to refuse. This company is fraudulent and trying to bully money out of me for something I did not do and then refuses to show me proof.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc.
State: VA

Complaint narrative:
Debt collection company called XXXX 1 day and XXXX time the next day. Spoke to rep on XXXX/XXXX/2015 on a day I was XXXX asked not to call me, he called back ... 

Collection company refused offer of payment plan. XXXX said I was to get XXXX bills then they send to collections. I only got XXXX bill in XXXX, then was submitted to collections on XXXX XXXX, 2015 ; received NO NOTICE from XXXX that I was being submitted to collections. This is only XXXX XXXX, 2015. The rude calls from collector and the disrespect is " not professional. " Request that CFPB work on my behalf ; stop the calls, get company to send letter acknowledging collection status ; accept a payment plan. Also Collection company needs " full disclosure '' of their identity and their company address and contact information.

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

Complaint narrative:
I have a mortgage loan serviced by Nationstar Mortgage # XXXX. My XX/XX/XXXX Principal payment they totally screwed up. I submitted a handwritten and signed instructions to apply to principal only. They disregarded and applied to the XX/XX/XXXX payment of interest. I obtained a payoff from Nationastar and sent good funds in the form of a cashiers check drawn on XXXX XXXX XXXX in XX/XX/XXXX and mailed it to their payoff address on the demand with extra days interest. On XXXX XXXX, Nationstar cashed my cashier check. They started contacting me about being delinquent on my loan. After talking to them I provided from my credit union a copy of the endorsed and cashed check ... .endorsed by Nationstar Mortgage. They submitted the dispute and on XXXX XXXX they send a letter XXXX saying theyXXXX made no error and that they were unable to locate my XXXX last check. I called on XX/XX/XXXX and talked to one of their service people who said he could clearly see they endorsed the check and cashed it. I am getting calls from Nationstar daily for being delinquent on the account. Obviously now that it is almost two months later and still unresolved from when they cashed my check they will erroneously report my credit profile as being 30 and now 60 days late. This is ridiculous. Within the past couple days I received a notice of a certified letter. My wife drove 30 minutes to the post office and back XXXX cities away to find a certified letter saying I am late on this account. I have had upwards of XXXX mortgage loans and this is by far the most incompetent servicing I have seen in my life. I called today and it is still not resolved. There is no process to expedite resolution which is a major flaw in their system. You should not go to the back of the resolution line and start your 7-30 day process over again. They should be able to email a manager and get it done now. Instead evidently I will continue to be harassed day and night and perhaps by mail on my so called delinquent account that I paid off just short of two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I purchased a New XXXX Dodge Dart from XXXX XXXX. This vehicle was a Lemon and at XXXX miles the Head/Upper Engine Block failed, I took it to be repaired and after attempting to blame me until I verified the Oil I performed my XXXX oil changes with as being appropriate The dealership repaired the vehicle. My confidence in the vehicle was broken and I went online to XXXX to complain. The XXXX company responded via a Public relations spokes person. 
I received a XXXX % employee discount and rebates toward the purchase of the vehicle. 
Unknown to me at the time of purchase the cost of the Lemon was " rolled into '' the cost of the new purchase. 
I am now contracted to pay XXXX on a vehicle appraised at XXXX In addition I testified against the Veterans Administration and gave congressional investigators information. The VA retaliated and my pay was affected. 
I went to work for the Texas Department of Criminal Justice and currently earn XXXX LESS per month. 
This affected my ability to pay my XXXX loan payment monthly. 
After receiving and recording threatening Phone calls from Regional Acceptance Corporation, I asked for a supervisor to speak to me regarding my case. 
The Head of the XXXX office spoke to me and arranged a separate arrangement wherein I paid XXXX per Month to " Catch Up ''. I made Five Payments, those payments were documented as being XXXX with the consumer credit bureaus and the website. It is notable that during this good faith payment attempt, I was purposely mis-documented and reported, a repossession order was claimed and shows up on my credit reports. 
When repercussions of my ongoing retaliation from the VA again affected my Pay, The account was closed and Because I was unable to make more than a good faith payment on one occasion. 
I formed a trust because I am unable to continue making exorbitant payments on a XXXX Dodge Ram of XXXX when the value of the vehicle at its highest possible valuation is XXXX.

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 2016-03-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I was subjected to systematic and institutional XXXX at Branch Banking and Trust. I requested copies of XXXX checks ( i.e. made payable to XXXX XXXX XXXX that cleared my BB & T Checking Account between XXXX and XXXX and bank officials refused to perform a search for the checks. After bank officials refused to perform the search, I received an email to bring money to any BB & T Branch in order to have the search performed.

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 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I am a XXXX veteran on a fixed income. I have a mortgage which is owned by Nationstar mortgage of XXXX, TX. I have paid the original mortgage amount down from {$100.00}, XXXX to {$85000.00}. I have requested the removal of the current monthly PMI amount up to of {$47.00} from my payments. Well, they are requiring my signing of a formatted letter generated by Nationstar mortgage that states that I will be charged up to {$600.00} for an appraisal that they will acquire. Well, from my understanding of XXXX once the mortgage balance reaches the amount of 20 % been paid off that the mortgage company was obligated to drop the PMI. My mortgage is well past that point but they refuse to cancel the PMI. The following is applicable info : :Mortgage Company : Nation Star Mortgage Phone # XXXX or XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX XXXX TX XXXX

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

Complaint narrative:
I have at great length described the trouble I have experienced since 2008 with my modification applications for my home, a negative arm XXXX loan which has ballooned out of proportion during my applications. 
I did file a complaint against XXXX. But in the mean time, my loan was sold to SPS, a new company which continues to press me with modification applications even though no such application can be successful unless XXXX -- and the investor XXXX -- consider the numerous mistakes that were made during the modification process and then look for a solution. While reviews are under way, SPS continue to press me for documents, for filled out application forms, and threatening foreclosure on my 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 2016-08-21 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, XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; This is XXXX XXXX 's response to following SPS compliant responses : Based on the generic quality of the SPS responses I assume the following : Attached is my most recent SPS mortgage statement. 

Please note that the escrow exceeds P & I, which is an uneconomic position that I have carried for 11 years. 

Please not that I did not get a principal reduction from XXXX at the point of my XX/XX/XXXX modification. This would have brought be great relief. 

XXXX substituted the principal reduction with a {$140000.00} Deferral. A reduction would have opened refinance options and reverse mortgage My monthly payment after the XXXX modification is higher that my payment prior to modification. 

Today I am seeking a short sale or a long-term principal reduction because I can no longer afford the payments since I am a XXXX XXXX. 

SPS is not interested or willing to investigate and negotiate with me. 
All of my savings are in this home. 

Another interest point in the amortization and home payment history. 
My principal balance remains equivalent to the origination principal after 11 years and paying off XXXX mortgages. 


SPS consistently avoids the Fraud Challenges of the original Mortgage and modification. I would encourage CFPB to instruct SPS to contact and work with the originator and modifiers Sincerely, 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 2015-12-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
Please forward the attached QWR per RESPA to Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 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: Law Office of Joe Pezzuto, LLC
State: CA

Complaint narrative:
I was part of a XXXX with my ex-spouse, until XXXX XXXX, 2008, at which time I was terminated and released of all company liabilities, present and future. My ex-spouse received the XXXX as his separate and sole property in the settlement agreement. He also completed legal paperwork to have me removed from a XXXX XXXX XXXX business line of credit. The ex-spouse warranted to me that he completed and submitted a Release of Guarantor Agreement to XXXX XXXX XXXX, thereby legally removing me as a guarantor of his companies ' future financial liabilities and debts. XXXX XXXX XXXX claims they do not possess that paperwork, and sold the debt fraudulently to XXXX , XXXX, who hired the Law Offices of Joe Pezzuto in Arizona to attempt to collect the debt from me. 

I requested in writing, well within the XXXX day time frame, for XXXX , XXXX and the Law Offices of Joe Pezzuto to validate this debt, and and my request was IGNORED. XXXX , XXXX, reported a collection account to all XXXX credit bureaus : XXXX, XXXX XXXX and XXXX. It is my understanding that if the collection agency does NOT validate the debt, they are violating my rights under the Fair Debt Collection Practices Act. Furthermore, since XXXX , XXXX, has reported information that they know to be inaccurate and incorrect to the above listed XXXX agencies, they have violated the Fair Credit Reporting Act 15 USC 1681s-2 Section 623. If XXXX , XXXX attempts to pursue a judgement without validating the debt, they are again failing to comply with the Fair Debt Collection Practices Act. This is not my debt. I requested validation, which I have NOT received, yet they are continuing to attempt to collect this debt. I now have negative, harmful and inaccurate information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
This is yet another complaint in a series of many I have filed against Select Portfolio Services : I exercised my right of rescission on a cash out refinance that SPS tried to call a simple modification ... my basis was I was never given any RESPA documents ( HUD 1, TIL, right of rescission, etc ) so therefore my right to rescind was 3 years. In Case # XXXX SPS acknowledged that XXXX XXXX ( the original lender ) paid off my XXXX mortgage with XXXX XXXX. The fact the the XXXX mortgage was paid off made the " modification '' an actual cash out refinance loan ; they ( SPS ) admitted paying off the XXXX mtg yet they claim it does n't count as a cash out refinance?!? It was obviously a cash out refinance, despite the fact that they do n't want it to be a cash out refinance.

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