vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Greetings, Through Select Portfolio Servicing Inc. 's ( " SPS '' ) extortion attempts, since they are complete strangers to the alleged transactions and that there is absolutely no default whatsoever [ see attached affidavit of ex police officer and currently private investigator under penalty of perjury, that all payments on a non existing loan has been received and there is absolutely no default ], and since i : am taking care of my XXXX mother, i : decided to list my property for sale so that the pretender lender SPS and its co parties can not even steal the equity i : have in my property. There has been XXXX offers, the first buyer offered {>= $1,000,000} and i : accepted that offer. Because of SPS 's extortion attempts and illegal conduct, the first buyers backed out of the deal. The new buyers have offered {$75000.00} less, we are in escrow and need to close the escrow in the next few day. SPS has charged me fees and expenses that they are not supposed to, like charging attorney fees of ~ {$70000.00} when that attorney was not even admitted to XXXX XXXX XXXX of California whose name is XXXX XXXX. XXXX of XXXX XXXX firm, see attached pdf file related to attorney woods, pages XXXX. In addition, SPS refuses to verify the amount of the alleged debt under oath. According to XXXX law dictionary, verification means to substantiate or to confirm under oath. All i : have been asking SPS is to verify the amount of this alleged debt under oath so that we can close the escrow and move on with my life. Stated differently, there is nothing stopping SPS to claim that i : owe them {>= $1,000,000} for example. SPS refuses to do that since they know that i : do not owe them anything. i : am therefore respectfully requesting CFPB to demand that SPS to verify the amount of the alleged debt under Oath so that we can close the escrow. SPS and its co parties have significantly damaged me and my family economically by their repeated misconduct and i : am reaching out to CFPB to please assist me and my family to get SPS to verify the amount of the alleged debt so that we can close the escrow.

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 2016-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I have not received this year 's {$21000.00} principal reduction promised to me in Nationstar 's XX/XX/XXXX HAMP approval letter to me on page XXXX, " [ s ] o long as [ my ] modified loan remains in good standing. '' Obviously that was a huge inducement and caused me to go ahead with the loan modification. I have never missed or even been late with a payment since my approval but somehow I am now being denied the promised inducement. 
On XX/XX/XXXX, prior to sending the completed loan modification paperwork in, I spoke with an XXXX ( or XXXX ) and a XXXX from Nationstar 's help line on two separate phone calls to their customer service line, XXXX. I wanted to make doubly sure that the promises and inducements referred to in their XX/XX/XXXX Hamp approval letter like the one referred to above still applied even though they were not mentioned in the modification documents I signed. They both assured me that those promises and inducements still applied as a separate agreement " [ s ] o long as [ my ] modified loan remains in good standing. '' They also said that those promises and inducements were not included in the modification documents because I do not become entitled to them unless and until I have qualified for them by keeping the loan in good standing for the requisite period. Based on those conversations and those promises and inducements, I sent the loan modification documents in. 
In addition I sent Nationstar a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) giving you Notice of Error, Complaint, Request for Information and written answers to my questions about this on XX/XX/XXXX. I understand that under Section 6 of RESPA they are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. I did receive a cryptic response from them setting up some new condition and calculation that was never mentioned or included in their XX/XX/XXXX Hamp approval letter to me. They did not give me any details as to why I did not qualify, what this new calculation is, why I was never appraised of this prior to my decision to go ahead with the loan modification and finally, they did not even send me that information within the required 60 day period. Their response letter was dated XX/XX/XXXX, some 76+ days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
I have previously submitted XXXX complaints regarding our mortgager PHH and the illegal sale of our home. We were in foreclosure in the XX/XX/XXXX and were in the process of completing a mortgage modification application. PHH sold our home on XX/XX/XXXX. The sale occurred prior the the deadline for submission of required documents. When we brought this to the attention to PHH and the XXXX, PHH rescinded the sale almost 2 months later. This was after we moved out of our home out of fear of a sherrif 's eviction and a local realtor pressuring us. We have experienced stress and financial burden as a result of this. In a prior complaint with the XXXX, PHH responded, stating that an offer for modification was given in XX/XX/XXXX and was not returned by us. This was immediately after the sale rescinding. We did in fact respond to the modification offer in a letter stating that we were officially opting out of the offer. A letter was sent to PHH and we verified receipt. 
We are in the process of suing PHH for fraud, breach of contract, and damages - as a result of the illegal sale of our home on XX/XX/XXXX. We are asking that you be part of the monitoring process, or if possible, assist us with this. 

We have made initial contact with XXXX XXXX, liaison to the office chairman at PHH - XXXX X XXXX We have tried unsuccessfully this week to speak to an attorney at XXXX and XXXX, who represents PHH, - XXXX. 



Please see attached documentation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
We began the process of a " Rocket Mortgage ''. After giving information online Quicken needed to get our credit report. After checking our credit ( XXXX and XXXX, for some reason it always comes up less in the mortgage process ), Quicken said we needed to contact them to continue as our income is primarily from rental properties. Had we know this in advance, we would not have approved the credit check and subsequent credit hit we would take from it, and I did let XXXX from quicken know about it. After an hour and a half online, Quicken need my tax returns. I was not quick enough in getting it to their online service and was told they would look at it when it was there and they ended the chat. This morning I tried to load my tax returns and I discovered a letter telling me my loan application has been denied for not having my income supported as I was about to do. This is clearly retaliation as I had indicated I would forward this to the CFPB. Now I have a second " ding '' on our credit for the loan denial. Something wrong is going on here and I hope you will examine it. I do have transcripts of the online chat, and the rejection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
BB & T purchased Susquehanna Bank. They are a horrible bank. I have a checking account and a line of credit which includes a fixed loan and the line of credit with them. I tried to take XXXX from my checking account and apply it to the principal balance on my line of credit. They, on their own, decided to split the XXXX between principal and interest on the line of credit and fixed loan. I called and fought with them about fixing this. Supposedly they fixed this but since then I have been locked out of my credit line account. You can see the balance only, but NO transactions, so I have no way of knowing if anything was corrected. I have called the branch manager and the IT dept., who XXXX can not access my account. Their IT dept informed me that they are aware of the issue and it was supposed to have been fixed on XXXX XXXX, but hope now to have it fixed by XXXX XXXX. So I have NO access to my account for 2 weeks. They told me they are trying to create an entire new web site, since the old XXXX is messed up, they new one also does n't work. Meanwhile, IT IS MY MONEY AND THEY HAVE BASICALLY LOCKED ME OUT FROM VIEWING IT, AND THEREFORE USING IT. I received a monthly statement from them which shows a fee/service charge for {$57.00}. I have no idea what that is, and i can not find out about it since I am locked out. Besides that, when I called the bank to find out about the fee, they can not find it as well. They have no idea what it is, no one there seems to know anything, but they have access to all my money, but can not tell me anything. THIS IS NOT A CORNER DELI, THIS IS A BANK. This is so entirely unacceptable. I have never heard of a bank with issues like this, I feel like they have stolen my money. There should never be a time when you can not access your accounts ; I do understand that they need to update their systems from time to time. That is usually late at night for a several hour window. This is for several weeks and should be against the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
This complaint is against Nationstar Mortgage, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. On XX/XX/XXXX, I received a letter from them indicating that my escrow account had more money than needed, They enclosed a refund check and lowered my monthly payment from {$1800.00} to {$1400.00} starting XX/XX/XXXX. I paid the lower amount monthly until XX/XX/XXXX. On XX/XX/XXXX I received a notice dated XX/XX/XXXX from the City of XXXX, NY that the mortgage company had not paid my property taxes of {$2800.00} plus a late charge of {$84.00}. I notified Nationstar and was told that I did not have an escrow account, however, after checking they sent me a letter dated XX/XX/XXXX that confirmed that my account should be escrowed. On my XX/XX/XXXX statement they kept the payment of {$1400.00} the same and indicated that if I made additional escrow payments that they would not raise the payment amount so I sent them a payment of {$2900.00} which included an additional {$1500.00} in escrow. In XX/XX/XXXX I sent them {$1500.00} which included {$100.00} in additional escrow. On XX/XX/XXXX I received a notice that they had not received my XX/XX/XXXX payment so I recovered my cancalled check from my bank which indicated that the bank paid the XX/XX/XXXX mortgage payment on XX/XX/XXXX. I notified Nationstar and they said that they mistakenly posted the entire amount to my escrow account and charged me a {$24.00} late charge which they have not recinded. On my XX/XX/XXXX statement they raised my monthly payment to {$2000.00}, a {$620.00} increase in an attempt to correct their inability to service my escrow account properly. I paid the {$2000.00} leaving me with XXXX dollars left for a three week period. I have now received my XX/XX/XXXX statement where they again want a {$2000.00} payment. I am retired and on a fixed income so I do not have the ability to make any further payments in that amount. They have caused me an extreme financial hardship and have refused to lower the payments. Just as a matter of information my property taxes are {$2800.00} and school taxes are {$1300.00} for a total of {$4100.00}. The additional escrow of {$620.00} plus the {$200.00} escrow already built into the $ XXXXpayment amounts to {$820.00} monthly for a yearly total of {$9800.00} which is more than double the required escrow needed. Therefore, I am making no further mortgage payments until such time as Nationstar reduces the monthly payment amount. I am also considering legal action against Nationstar for damages incurred by their inability to properly service my account, also, they have sold my mortgage to XXXX XXXX who I have been in contact with. They advised me to contact 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 2015-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
Sent in all the documentation required for a modification review on XXXX/XXXX/2015 and my lender is refusing to review the documents because of the foreclosure sale on XXXX/XXXX/2015. I had an authorized 3rd party call my lender on XXXX/XXXX/2015 and they stated that it was too close to request a postponed. They had previously reviewed me in XXXX of 2015, but at the time I was only a part-time employee. I have now received full time employment. Since my situation has greatly changed and I submitted the documents to my lender 11 days prior to the sale I am asking for them to postpone to allow for a proper 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 2016-09-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover Bank sent me a {$75.00} check as part of the settlement they reached regarding student loans. I deposited the check into my bank account electronically only to learn that Discover Bank had stopped payment on the check they sent me. I incurred a {$5.00} returned item fee due to a check that Discover Bank either ( 1 ) made in bad faith, or ( 2 ) should not have sent me in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Titan Receivables, Inc.
State: CA

Complaint narrative:
I was a co signer to bail a friend out of jail i she stop making payment and i can find her now it on my credit im looking at the term and amount it inncorrected and on my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY

Complaint narrative:
Improper contact or sharing of information. Contacted me AGAIN instead of my attorney. ( See previous complaint ). I received a letter from SPS, postmarked XX/XX/2015, addressed to me. It should have been addressed to my attorney, XXXX XXXX. This is the XXXX violation of consumer financial protection law, in my case, concerning improper contact. Letter and envelope is available on request. 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 2016-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
This is my second complaint against Nationstar Mortgage LLC, once again I have submitted a loan modification application to Nationsatr on XXXX/XXXX/2016 by e-mail and certified mail they signed for on XXXX/XXXX/2016, since then it has been over five ( 5 ) days and no response from Nationstar instead I received a letter saying that my home is being sold at a auction on XXXX/XXXX/2016 at XXXX XXXX. 
Nationstar and its attorneys have and continued to violate the rules and right now I am being Dual-Tracked where I have a loan modification pending and my home is scheduled to be sold. At this time I need help with this matter as this have been an on going infraction of my civil rights under the XXXX XXXX XXXX XXXX XXXX and President Obama making homes affordable. 
Just to point out that Nationstar and its attorney continues to violate Regulation X and is getting away with it I need not only answers but I need to have Nationstar, s CEO XXXX XXXX prosecuted for fraud since owing to the fact that instead of helping struggling homeowners get a reasonable modification he is acting like a Slum Lord where he just wants to foreclose and make a gigantic profit and our Government is letting him get away with it. 
At this time I have complained to CFPB before and I have gotten nowhere I need XXXX XXXX to look into my complaint and do something about it I have enough proof to show that Nationstar is committing fraud which I can submit to CFPB or to the general public including members of Congress. 
Please see attached documents also I can be reached at XXXX to further discuss this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XXXX/XXXX/2008 XXXX XXXX XXXX paid {$350000.00} on my account, XXXX. All that was remaining due on the account was some accrued interest in the sum of {$1700.00}, but it was enough to bring the account current, reinstate the mortgage, and the balance should have been adjusted. Instead, U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX, filed a foreclosure action, case number XXXX. It was dismissed for want of prosecution. XXXX attached. Then, ignoring payment was made AGAIN, U.S. BANK XXXX, AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX MORTGAGE XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX filed suit XXXX. Again, U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX filed suit. After we filed our answer and affirmative defenses, showing it was paid as stated above, they dismissed the case voluntarily. See the attached. If that were not bad enough, then U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX MORTGAGE XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX sued US AGAIN, claiming the amount that was paid as shown above, was STILL DUE, violating the federal and state fair debt collection practices act, malicious prosecution, abuse of process, and fraud, mail fraud, wire fraud, and civil conspiracy. This time, the bank got a foreclosure judgment BECAUSE I COULD NOT AFFORD AN ATTORNEY AND HAD TO REPRESENT MYSELF. I did not know what I was doing. XXXX lied about getting the money and did not tell the court they got paid. XXXX lied about having received the money and filed an affidavit claiming it was still due. The XXXX believed XXXX and granted a judgment. See attached. I requested an affidavit from customer service showing the payment was received, but XXXX is now claiming they do not have any information. They are concealing the receipt of the money. See the attached affidavit from the XXXX employees. I want the bank investigated, and either require them to return the money I paid, or vacate the foreclosure judgment, and give me a release of the mortgage, AS THEY HAVE BEEN PAID AS YOU CAN SEE FROM THE ATTACHED. If I had stolen money from a bank, I would be in JAIL. They stole {$350000.00} AND they are STEALING MY HOME. I was just served with eviction notice after the fraudulent foreclosure judgment. I NEED URGENT HELP. 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 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I modified my mortage with XXXX in mid 2014. As part of the modification, they forgave all unpaid escrows, past due interest, protective advances, etc. and I was only to repay the remaining principal balance over the remaining XXXX years from the original mortgage at a modified interest rate. Shortly after close, XXXX sold the loan to Nationstar mortgage. Nationstar mortgage is now demanding repayment of delinquent tax and insurance escrows which were already forgiven as part of the loan modification. I have spent over XXXX hours on the phone with them and they always seem to " drop '' the call when I prove my case. On Monday, they agreed to amortize the escrows over a XXXX period but then subsequently came back reducing the period to XXXX. On top of this, they are charging me a {$290.00} late fee which is only due to us not being able to figure out how much I owe them monthly with the {$300.00} increase in impounds ( which is not owed to them per my loan modification ). This is bullying and they know most home owners do n't have the time or resources to fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
I cancelled a phone line which was ported to a new provider. Former telephone company refused to close account for months. I receive 1st collection letter which I timely disputed. Collection continues to contact me with following written communication which states : " All I can do is explain the alternative to you. From there, you have to determine whether the potential cost in time or otherwise, is worhwhile. Let me reiterate-the choice is yours ''.

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