vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
I was released from bankruptcy at the end of XXXX 2016 I received all my paperwork releasing me from that bankruptcy. On XXXX XXXX of this year I requested a payoff statement I was told it could take up to two weeks to get when I did not receive it I began calling and was told several times it was in the mail I have yet to receive it I also asked that it be faxed to me they took the fax number but i never received the fax. When I called back to question them I was told I can not receive a pay off and no one should have never told me I could because they consider me still in bankruptcy I contacted their attorneys office who told me they no longer have me in bankruptcy and I am entitled to a pay off. I still have not received my pay off which is only good until tomorrow XXXX XXXX. Every time I call there I speak to someone different and get a different answer none of them are right all I need is my pay off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
My husband passed away XXXX/XXXX/2014. The mortgage is in his name. We never had a reason to contact NationStar Mortgage Co. when they purchased our loan from our previous lender. Now that my husband has passed away, I have the deed placed in my name but can not assume the mortgage because I am not an authorized person to speak with the mortgage company. They have increase my mortgage and will not explain anything to me. I have been making payments since the death of my spouse. I received a letter from Nationstar stating my mortgage would increase if I did not pay the additional {$870.00} needed for escrow. I paid it, but they still increased my monthly payment. I went to probate court who explained the process to get the deed into my name, also explain there was no quick deed required for a death of ones spouse. I just need the mortgage company to explain the increase in the house payment and know what is needed to assume the mortgage and try to get a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
On XXXX XXXX super frustrated I went a head and reach out to you and describe HORRIFIC DISASTER of has happened to me.. I AM A XXXX. 
I am one of those with the XXXX. Who could no loner continue to work. 
I have defaulted on my mortgage and I am asking for help fro m Nation Star. Al I want is to be able to keep my home. I have XXXX children. 
I am requesting from Nation Star to stop the sale date which they moved to XXXX XXXX and review my file for a loan modification All I need is a work out plan that will benefit us all. 
I am asking that they extend the terms of the loan, lower the rate and adjust the principal balance. This will definitely make my home affordable and sustainable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I currently am in review for a loan modification with my mortgage company " Select Portfolio Servicing ''. I also have a foreclosure sale date scheduled on XXXX/XXXX/15 and need help getting is pushed back. All information has been provided to SPS but they still have not pushed the sale back and I am in jeopardy of losing my home to foreclosure. Please help me in any way possible to ensure the sale doesnt take place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Certified Services, Inc.
State: IL

Complaint narrative:
Certified Services, XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX was retained to collect a debt on behalf of XXXX. This debt was discharged in my Chapter XXXX, along with XXXX other accounts held by Certified Services. The other XXXX accounts were removed from my credit report, but even after an investigation by XXXX this account remains reported as an open collections account. I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
SPS ombudsman is refusing to give us a modification again after give us one!!!! XXXX is holder of our note and after govt fine they will still not 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 2016-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX - provide order that bears XXXX name. - XXXX XXXX XXXX attach the schedule stating this debt is secured or unsecured? 
XXXX XXXX XXXX - is a third party collection company whom appears to have paid a debt during a open bankruptcy that was not owed in attempt to collect from me. XXXX XXXX XXXX did not communicate with the attorney of record. 

XXXX stated : Please allow this letter to serve as XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to the complaint submitted to your office by XXXX XXXX XXXX ( the " Complaint '' ). XXXX is committed to customer service and we hope that this response addresses the concerns raised in the Complaint. 

In the Complaint, XXXX XXXX states that XXXX 's documents contain multiple non-corresponding dates ; that the transaction history appears to show that the debt has been paid ; and that XXXX has not confirmed how a lien remains on the property. XXXX will address each statement below. 

First, XXXX is unclear as to which documents XXXX XXXX is referring. XXXX 's records indicate that XXXX XXXX received a discharge of her personal obligation to repay the debt through her Chapter XXXX bankruptcy proceedings. Prior to that date, XXXX 's records indicate that the account was due for the installment payment for the month of XXXX XXXX. Due to the bankruptcy discharge, no payments on the underlying debt have been made since XXXX and XXXX 's transaction history indicates as much. A copy of the transaction history was provided to XXXX XXXX upon her request. This document shows a " due date '' in XXXX and a " trans date '' [ transfer date ] in XXXX, which is the year that XXXX obtained the right to collect payments on the account. XXXX hopes that this explanation helps to clarify some of the confusion concerning non-corresponding dates. Otherwise, XXXX denies that its transaction history or other documentation demonstrate that the debt has been paid in full or paid at all since XXXX. 

Finally, XXXX XXXX states that XXXX has not demonstrated how a lien remains on her property. On this point, XXXX believes that XXXX XXXX should seek the counsel of her bankruptcy attorney. It appears as if XXXX XXXX file a motion to avoid the subject lien within her bankruptcy proceedings, and that this motion was denied with prejudice. Otherwise, XXXX is unable to advise as to the legal reasons underlying the denial of this motion. 

XXXX hopes that this response was helpful. If XXXX XXXX has any further questions or desires any clarification concerning this response, she should not hesitate to contact 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 2016-04-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Lender refuses to postpone foreclosure sale to complete my loan modification review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
We received a letter from Select Portfolio Servicing , Inc. dated XXXX XXXX, 2015 which is an invitation to a Free Homeownership Preservation Event at XXXX in XXXX, NY. We will not be attending the event. We are not a customer of Select Portfolio Servicing and deny any contractual or other relationship with your organization. 

As SPS knows or should know, we have written previously informing SPS that there is no delinquency. We have disputed the debt -- as well as the authority of SPS to act in any capacity in regard to the alleged account number they reference. 

We have disputed this debt ; therefore, until affirmatively validated, SPS knows or should know their information concerning this alleged debt is inaccurate. Thus, since they have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, they must immediately inform them of our dispute with this debt. We have received a copy of such report from Experian where SPS still lists the debt as a mortgage debt. Reporting information that SPS knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. 
SPS continues to persist in pursuing collection efforts without validating this debt, we are herewith informing SPS of another complaint that will be filed with the Consumer Financial Protection Bureau based on their failure to comply with the FDCPA, Section 809. 

SPS has admitted that it is not the servicer of this account or any account in connection with us ; that it is only attempting to collect an alleged debt based on " servicing rights '' ; that SPS has made contractual arrangements with other parties for their own profit ; that SPS has harassed us and continues to harass us ; that SPS has not proved and is unable to prove that we owe any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: KS

Complaint narrative:
I started a modification in XXXX XXXX on my house, it took until XXXX XXXX to complete. the company SPS has shown me late on my payments for nearly 2 years, when I have not missed a payment since I took the loan over by myself. 

and the new company ( XXXX XXXX is n't much better!! )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
My wife and I are building a home in XXXX XXXX XXXX and we went to BB & T for a construction loan. We disclosed to the loan officer in XXXX of 2015 all of the conditions of our construction plans. We also disclosed that we had started construction and were going to build with {$200000.00}. of our cash of the {$360000.00}. estimated total cost. We disclosed that we owned the land outright. Our loan officer, XXXX XXXX, indicated that BB & T would be happy to make the loan after our initial submittal of tax returns, financial statements, retirement account statements, etc. 

Then the endless delays began in the processing of our application. We have been askedthree separate times to update information between XXXX and XXXX. Every time we have updated information for the bank, we experience one to three week delays then receive new requests. 

We explicitly requested that BB & T not move ahead with the appraisal unless they were confident that they could make the loan to us. When they ordered the appraisal and we paid for it, we took this as an indication that our loan was approved. We have never been told that we did not qualify for the loan yet we have never received anything in writing to confirm the loan approval. 

The closest we came to an approval was a request by BB & T to set a closing date on XXXX XXXX 2015. Mysteriously, the closing date was cancelled. No new closing date has been scheduled. 

Each time BB & T requires new information, and we provide, weeks pass with new requests coming. We received an email today, XXXX XXXX requesting information provided to the bank last week. 

Each time we lose our patience, and ask if we have been rejected, they say no, thay are eager to make this work. But there is no end in site. 

We have now spent our planned cash expenditure and are in need of the loan to continue the construction which is 62 % complete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Aurora Loan Services was the servicer of my loan in XXXX. XXXX XXXX purchased my loan from XXXX XXXX XXXX XXXX in XXXX. At the time this purchase was made, there was no assignment of the mortgage & or the note to XXXX XXXX or XXXX or Aurora in the county records. It is Florida state law that these records are to be recorded in the county records if transfer occurs of a loan. The mortgage and the note are to be kept together at all times. When Aurora purchased the loan from XXXX XXXX XXXX Mortgage, an assignment of mortgage mysteriously appeared which was predated back to XX/XX/XXXX. The assignment alleges that XXXX XXXX XXXX, XXXX F/K/A XXXX XXXX XXXX was the assignor and Mortgage XXXX, XXXX was the assignee. This document was not recorded in the XXXX County records until XXXX/XXXX/XXXX and the document was NOT recorded by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The document was recorded by Aurora Loan Services and prepared by a known robo-signing and false document mill by the name of XXXX XXXX. The document states that it should be returned to Aurora Loan Services after being recorded. There are XXXX loan numbers on the assignment. XXXX belongs to XXXX XXXX ( XXXX ) and the other belongs to Aurora Loan Services ( XXXX ). There is also a min number ( XXXX ) on the document and the first XXXX digits of the min number are the company number for Aurora Loan Services. At the time this document was prepared and signed, XXXX XXXX XXXX XXXX XXXX, had in fact been defunct for 2 years. When this document was recorded, XXXX aka Aurora Bank FSB fully purchased the loan from XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX and XXXX, llc have never been a member of XXXX and would not have had the authority or the membership to assign my mortgage to XXXX in XXXX. It is obvious that this is a fabricated document and there are XXXX DIFFERENT companies involved on XXXX assignment of mortgage. After this occurred the loan was securitized and there were several other servicers servicing the loan. Then, in XXXX XXXX BANK XXXX decided to buy the loan back and serviced the loan from XX/XX/XXXX to XX/XX/XXXX with a completely different loan number. In XXXX XXXX filed bankruptcy, so why the sudden interest in my loan? Aurora Bank FSB F/K/A XXXX bought back my loan from the trust and then sold the servicing rights only to Nationstar Mortgage, LLC so it could fund itself? XXXX governs the sale & securitization of a negotiable instrument. Once the asset is sold, the bank is no longer the REAL PARTY in interest. Aurora Bank FSB bought the mortgage and note XX/XX/XXXX. I have requested information from Aurora in a QWR and I have been refused the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hello ; I have been attempting to catch up on past due payments for my mortgage, however my mortgage refuses my payments and returns them to my bank. I either need to pay the full amount past due or I 'm at risk of foreclosure. I was XXXX for 2 months and out of work, I notified them of that. I sent them one full payment last week and it was returned. I have attempted to pay online via their website, and have contacted my Dedicated Loan Specialist to discuss the problem. I simply want to pay additional until caught up and do not want my home foreclosed. I faced a temporary issue that is now resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I HAVE APPLIED FOR A LOAN MODIFICATION WITH WELLS FARGO. WELLS FARGO COMMITTED MANY ERRORS IN THE LOAN MODIFICATION PROCESS AND FORECLOSURE PROCEEDINGS WITH MILLIONS OF HOMEOWNERS. WELLS FARGO SETTLED WITH STATE & FEDERAL XXXX AND PROMISED TO CLEAN UP THEIR ACT. THE HORRORS CONTINUE. WELLS FARGO HAS DELIBERATELY INFLATED MY INCOME IN ORDER TO ISSUE A DECLINE AND TAKE MY PROPERTY IN FORECLOSURE. WELLS FARGO ISSUED A DECLINE LETTER AND BACK DATED IT TO XXXX XXXX, 2016 AND I RECEIVED IT XXXX. MY INCOME IS MY WAGES $ XXXX, XXXX XXXX {$720.00} + XXXX SOCIAL SECURITY {$830.00}. THIS TOTALS {$3000.00} PER MONTH. WELLS FARGO INFLATED THE INCOME TO {$4200.00}. THIS WAS AN ARBITRARY ACT & THE INCOME THEY FABRICATED IS WITHOUT SUPPORT

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 2015-07-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
The lender repossessed my vehicle at XXXX months past due. This seems egregious, as I 'm on XXXX XXXX, and under medical care. This makes communication extremely difficult. The repossession charge makes it impossible to redeem the vehicle and the lender has shown no willingness to work with me regarding that. This is a hasty reposession and unneeded as I had been paying each month and had not exceeded XXXX days past due. I want to redeems vehicle, and think the hasty actions of the lender make redemption with the added costs unbearable. This is discriminatory and predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Municipal Collections Services, Inc.
State: IL

Complaint narrative:
I received a letter from secretary of state regarding notice/order of suspension. I attempted to call the collection agency for XXXX XXXX XXXX. However, I requested a print out of all tickets ( debts ). I was informed they could n't provide this information to me. Also, the collection stated '' that my driver license had been suspended and full payment was need :. At this time, I asked for her name and informed her that my license was not suspensed and I never received any information regarding the debt owed. XXXX, stated that she found that hard to believe. I asked to speak with her manager. I spoke with her manager regarding the incorrect information I received and the way I was treated. I questions why did tiffany give me false information and why I never received copies of this debt. XXXX, the manger stated that they reached out and sent me XXXX letters which she is stating its being returned back to them. I find that hard to believe when I receive all other mail. Please help me because I do n't have {$2800.00} and is willing to make payment arrangements as long as they can provide proof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 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: Municipal Collections Services, Inc.
State: IL

Complaint narrative:
My car was stolen XXXX XXXX 2014. The corresponding police report number is XXXX. I was issued few tickets between the time the car was under the possession of the thief. XXXX IL also issued me tickets within that time frame. I explained the situation to them several times and also mailed and faxed the copies of police report to prove I am not liable for the tickets. They still went ahead and referred the ticket to a collection agency. I then contacted the collection agency and explained the situation to them and provided copies of police report. However, they still went ahead and put the ticket on my credit report causing it to drop by a XXXX points almost. This adverse account on my credit is totally unfair. Other tickets issued by other agencies were removed once I provided the proper documentation. I was not liable for this ticket in the first place. I was instructed by the police to provide a copy of the police report to any agencies the issued me any violations to get them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
I have received numerous automated calls telling me to call back United Collection Bureau. Whether I answer or let it go to voicemail an automated recording tells me to call back. When I call back I give my name and nothing else. They want me to providentify further information, address, workplace phone and address, etc. They will not tell my why they called other than they are trying to reach me. Their calls are becoming more frequent. I have not received any written communication from this entity. They are harassing me without telling me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
XXXX XXXX, at XXXX I received a phone call from a man who stated his name was XXXX ( no last name ) and that he was with United Collection Bureau. He was rude, abrasive and continued to cut me off in the middle of my sentences. He was calling in reference to my Husband alleged account. My Husband 's name is XXXX XXXX ( there are over XXXX in our area alone ) so I informed XXXX that I would confirm last XXXX of social or date of birth if it was the correct person as we have had some identity issues lately. XXXX than told me that he would just call my Husbands employer and terminated the call. 

This behavior is not professional in the least. I have the recording of the call and did inform XXXX at the start of the call that I would be recording.

Company response to consumer: Closed with explanation