vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
Select Portfolio Servicing ( SPS ) is refusing to apply payments me and my husband made when we individually filed bankruptcy. Attached are XXXX payment abstracts from the Bankruptcy Trustee for me and my husband. Please note, not only was XXXX paid but also XXXX XXXX. I was not able to find either of these payments posted or applied to my account on the summary provided by SPS. Therefore, SPS has engaged in coercive and deceptive collection practices by falsely claiming that certain amounts are due, misapplying my mortgage payments, improper calculation of interest, and has failed to credit payments properly which are in clear violation of the Federal Real Estate Settlement Procedures Act ( RESPA ). Also, note other payments were not sent because XXXX/XXXX rejected them but kept XXXX and held it in suspense as documented on the summary provided by SPS. 

As a result of refusing to accept and accurately apply payments, they are attempting to foreclose on our property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Their is a property foreclosure sale set for my home XX/XX/XXXX. The state of Tennessee requires a 30 day notice be given prior to a property foreclosure sale being set, the letter is dated XX/XX/XXXX and the sale is XX/XX/XXXX. I have resubmitted a modification request and financials. I do want to keep my house. I need your help to assist me in getting my mortgage modified. i want to keep my home. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
I found a foreclosure that never happened. I found many other loans that were obtained by using our identity. We are victims of ID theft reported to our local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
regional acceptance is in violation of disclosing the details of my debt to a third party not authorized on my account to receive information. also i am getting at least 20 calls per day and i feel like this is stepping into harassment especially when they dont allow the phone to ring long enough to be answered or hang up when i do. please help

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 2016-03-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
My father died in 2012 and I have been paying on his mortgage under his name for the last 4 years that my fathers estate has been in probate ... ... Finally I am allowed to purchase the estate, I am financing through my credit union and they are requiring a purchase letter from Nationstar Mortgage, my loan is at the under writers and this is the last document they need from Nationstar ... ... .I submitted a request 4 days ago, I have called at least 20 times and keep getting different answers to fax numbers ... XXXX faxed his death certificate and the simple purchase letter that my FHA loan requires XXXX I have even faxed over my court papers stating that I have 30 days to finance the home or it will go on the market which is XXXX XXXX ( 2 weeks away ) ... ... .THEY ARE AVOIDING GETTING ME THE LETTER I NEED TO PURCHASE MY FATHERS HOME I HAVE BEEN FIGHTING FOR FOUR YEARS AND THOUSANDS OF DOLLARS IN LAWYER FEES. All I need is XXXX piece of paper stating the payoff amount and Nationstars signature is that so difficult???????????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 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: Universal Account Servicing, LLC
State: TX

Complaint narrative:
i inquired about their services only and refused it and they to charge me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AP

Complaint narrative:
From my understanding that Nationstar will not give extension until they get the approval from XXXX. The first had approval for Nationstar was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor Greentree. 

This is disappointing. It starting to feel like a tug of war, if we do not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 
At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and XXXX XXXX member is XXXX and I have to tell him this disappointing news.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I applied for a loan modification which has been in progress for some time now, with select portfolio servicing, i have spoken to them in the month of XXXX, XXXX on XXXX XXXX. XXXX XXXX. XXXX and XXXX /16 regarding varies requested documents that were sent in and received the last person i spoke to was a XXXX XXXX XXXX on XXXX about XXXX ; XXXX in the afternoon, i was told that they had everything in that was needed, at no time was there ever mention that some thing was wrong or there was something missing, well today i got a letter stating that my file was closed because of missing documents and my home is set for sale on XXXX/XXXX/16. I really dont know what kind of games these people are playing nobody said anything to me about this all the times i called, they never called to say nothing just like that they closed the file, and the excuse was and they waited until a few days before the sale to tell me was my non borrower income provider didnt prove that he lived in the property even with a telephone bill, electric bill and a bank statement with his name and our property address on it select portfolio is full of it, this is nothing but XXXX, to take my home they make XXXX XXXX look like XXXX. ps I also included the dated letters they sent to show they are liars they never said nothing about the documents!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Company refuses to withdraw PMI from our mortgage even though the numbers are correct to drop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I refinanced my mortgage with BB & T because they had a better rate at 4.49 %. I told the loan officer that I wanted a fixed rate not one that fluctuates. I was specific with her. She said that it would n't change, that a fixed rate did n't matter because they hardly ever change. I received a letter 4 months after stating that my rate increased to 4.74 %. I was so upset! Because she told me that it would n't increase. I went into the branch and spoke with her and she said there was nothing she could do because I signed the papers that said that it was n't a fixed rate. Finally, the last bill that I got had an interest rate of 5.99 %. I am so upset. This is more than I was paying for my mortgage before I switched. I felt that XXXX XXXX ( Loan Officer ) was not clear and was misleading. She said that my credit was n't good and this is why I received the 4.49 % and not lower. Please help me in this matter I am an eighty year old and ca n't handle all of this aggravation.

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 2016-12-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
In late XX/XX/XXXX my wife and I changed wireless cell phone carriers from XXXX to another carrier. We agreed to pay an early termination fee of {$140.00} which we paid. 

On XX/XX/XXXX we received a collection letter from XXXX claiming we had a debt of {$140.00} to XXXX. My wife wrote to the collection agency and soon that company wrote back saying they were no longer pursuing payment on behalf of Verizon. In XX/XX/XXXX XXXX sent me a collection notice for {$140.00}. on behalf of XXXX. My wife asked them to provide validation of the debt. They wrote back to say they were no longer taking action against me. At this time XX/XX/XXXX McCarthy, Burgess , & Wolff collection agency is demanding XXXX be paid the same {$140.00} that we paid in XXXX. M, B, & W have placed an additional {$26.00} as a collection fee. I have dates and the amounts paid to XXXX for a full year and I can not find any thing that would disputes my claim, we do not owe XXXX any money for a debt that does not exist. I thank you for being a consumer financial protector and hearing my concerns. 
Respectfully, 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 2015-09-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
I have a low income condo in XXXX, Massachusetts. My mortgage loan has been sold XXXX times and is now with a disgraceful company called Nationstar. I sent in my monthly payment in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, thinking my mortgage was fine. In XXXX they sent me back all XXXX payments, which had not been cashed telling me my mortgage was in foreclosure because I missed a payment in XX/XX/XXXX. 
Then a few days later I got a very poorly written letter from a lawyer in XXXX telling me I was in foreclosure. 
I do not understand how Nationstar is allowed to be un-regulated by the State. There are XXXX of people beingforeclosed on an the Atttorney General office of Massachusetts told me there 's nothing they can do. 
If you go to the website called consumers affairs and put Nationstar into the search bar you will read XXXX of reviews by consumers about being illegally foreclosed upon with no aid from any state or federal agency. I guess this is what banks being un-regulated has created. Nationstar says it is a Mortgage company, it is not it is a debt collector, they just collect monthly payments, the Attorney General 's office told me, " oh, we know all about Nationstar, they do n't want monthly payments they want the loan paid off, because when the loan is paid off is when Nationstar gets paid in full. " So I am bewildered why our Attorney General is allowing this to occur to Massachusetts residents. 

There are several class action lawsuits taking place across the country suing Nationstar, XXXX of which in XXXX, Washington that I am a class representative for. A couple in Michigan sued NS and won a XXXX XXXX dollar settlement with NS for fraudently forclosing on them. 

If anyone can offer me any assistance it would be greatly appreciated,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: LA

Complaint narrative:
I sent the Branch Bank and Trust a payment of XXXX on the XXXX of XXXX 2016. The bank applied XXXX dollars to my loan and put the rest in there little hole. This is the XXXX time that this bank as done this to me. I filled out a complaint before but did not follow thru but I am going to follow this XXXX thru, the bank is stealing money my not applying the full amount to loan and holding it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
Since the purchase of my house throughout the tears I have been switched mortgagers several times. My newest one is Nationstar, recently through filing an insurance claim due to a hailstorm I found out that the previous insurance company I had always been insured with had been dropped because it had not been paid. Money for them was set on escrow and so they should have been paid. Bc of the drop I was assigned another company which is completely expensive. 
My claim is geared towards Nationstar for not paying XXXX XXXX XXXX and therefore getting me dropped from their service. The money was there. I will not accept this change due to the irresponsibility of a company that should be taking care of me! But of course, is very punctual when it comes to requests of getting paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
Nationstar doubled my payment based upon an error in their escrow analysis. 
XX/XX/2015 they increased my escrows for property taxes to {$330.00} a month. 
My property taxes are only {$730.00} every 6 months. or {$120.00} a month. 
I have tried in vein to get this issue corrected and I have proof that Nationstar was made aware of the issues in written correspondence dated XXXXI have offered to make principal and interst payments but was advised that I need to get escrows corrected first. 
Now i am four months behind. They have no record of my issues and have started a foreclosure action. They also sent in a crew to winterize the property and they did damage.to my property. 
RESPA doesnt allow Nationstar to collect that excessive amount of property taxes. And obviously this type of service abuse shows that predatory lending still exists

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
Sps will not send me valuable information that I 've requested thet keep giving me the run around please help me save 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 2015-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
I went through a home modification in XX/XX/XXXX. XXXX sold my mortgage to Nationstar Mortgage. Nationstar tends to go up every year and I have a fixed rate. I asked why and the representative stated the taxes are going up. When I get my notice from the tax assessors ' office, the taxes were going down but the mortgage was constantly going up. Lately whenever I try to lower my rate by refinance, streamline, or any type of service, they say I do n't qualify or you need to wait a year. When the year is up, the hit my credit stating I am late. Recently I paid my mortgage and the representative stated I was late and I know I was n't. she stated that by the time it posted to my account on their end, it was late. I told her that I have no control over their posting system but I should n't have to suffer for their error. My mortgage went from XXXX to in XX/XX/XXXX XXXX. I told the representative that this mortgage is getting to be ridiculous. The representative asked why am I complaining? I told her I was complaining, I was merely mentioning the practice of this organization. She laughed. I have not done any additions or modifications to this property. To me it seems like this company price gauge the property to keep customers locked in to them. Businesses should understand that word of mouth goes a long way and they should n't abuse the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: ERC
State: NY

Complaint narrative:
I have no idea what ERC is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: ND

Complaint narrative:
I have paid the supposed amount that central credit services claims to be attempting to collect. I have contacted XXXX to make sure that I did in fact settle all my debts to them prior to my moving from Idaho to our new duty station. Central Credit Services has now put a debt collection on my XXXX credit report. I have not ever not paid any of my bills and do not appreciate a company attempting to collect money that I have never owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
American Credit Acceptance has an entry on my credit report for an auto loan with open date XXXX/XXXX/XXXX. They also have an entry on my credit report for an auto loan with an open date of XX/XX/XXXX-terms of loan mentioned and all. I 've never had an auto loan contract with those dates and none signed under the name American Credit Acceptance.I purchased a vehicle XXXX/XXXX/XXXX from XXXX in XXXX XXXX and XXXX financed it. Certificate of title for the vehicle states date acquired XXXX/XXXX/XXXX and lienholder XXXX XXXX XXXX. Turned in my vehicle and keys sent certified mail in XX/XX/XXXX, email sent to XXXX telling them where vehicle left and that keys mailed. Credit report does not have any information from XXXX XXXX Now for my XXXX/XXXX/XXXX signed contract. American Acceptance showed upon my credit reports with the dates listed previously and I did n't know who this was. XXXX XXXX bought the charged off 'american acceptance ' account I knew nothing of and put an entry on my credit reports that they owned the account that was opened XXXX/XXXX/XXXX ( what account? ). XXXX XXXX suing me for american acceptance debt ( what happened to XXXX? who is XXXX ) and provided copy of a sales contract in my name and a signature dated XXXX/XXXX/XXXX purchased from XXXX but balance owed statement from american acceptance ( summons ) stating I owe money for a contract dated XXXX/XXXX/XXXX. What contract is that? I disputed on credit reports all of this and american acceptance-XXXX confirmed it. Had court hearing today XX/XX/XXXX and judge asked if XXXX changed the date would that help? And also said that the dates did n't matter. A signed contract date does matter. Info falsely reported on my credit reports for years and no one trying to take it off. No resolution in court because I refuse to pay for something that is not mine and for info falsely reported against me ( no payment arrangements and XXXX used info they bought from american acceptance to sue me, when that info is false. Was said in court that attorney for XXXX did not get my credit report by I checked and their law firm completed an inquiry on my credit file XX/XX/XXXX so they should have seen that those reported dates by american acceptance did not match a contract the attorney states was mine. I 'm XXXX over this because if a judge says dates do n't matter and that if they changed the date would that make a difference ( wanted to try to get it all resolved ) and if they dismiss this case and re-file with correct dates on paperwork, I 'm doomed for not fault of mine. Please help me. I called the court back to see if I could get a transcript of today 's hearing but was told by rep who answered the phone that they do n't record for that type of case. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Mid-Atlantic Consumer Services
State: NH

Complaint narrative:
Continue to get repeated automated calls from a local number of XXXX and leaving a message to call XXXX I 'm getting these calls at work, on my cell phone and my daughters cell phone. Person never leaves their name and/or company name. They state that if i do n't call them back they will contact my HR dept and once that has happened the process can not be reversed. Now getting what appears to be another message on my cell and work number stating they are going to prosecute me to the fullest of my states laws. Law states they have 5 day to send me a letter of intent to collect on a debt with a company name, phone number, and a valid address. I have not received any of this. After googling the phone number they requested i call back, I 'm finding many complaints by others. Several people reporting the company name of XXXX. XXXX the name and could n't fine anything on the company.

Company response to consumer: Closed with explanation