vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
Select Portfolio Services ( SPS ) is my mortgagr lender. In XXXX XXXX I applied for a loan modification, and they granted me a trial modification, from XX/XX/XXXX-XX/XX/XXXX. Despite making the required payments, they dropped me, and on XXXX XXXX declared me in default. Since then they have harassed me with field service inspectors coming to my home ( 3 times last week ). 

In a phone call today they stated that they have no contractual obligation to grant me a permanent modification even if I make the payments. They said in a letetr I was in default unless I paid 3 months of payments of about {$3700.00}. Their phone staff have stated that if I pay one installment of XXXX it would delay my default, but they will not confirm that in writing, and it turns out it is a false statement. 

They delayed posting a payment by 3-4 business days in order to cancel the trial modification. I believe their motive is that they want to get out of the deal and obtain possession of my home because it has strong positive equity. 

They posted my last payment XXXX/XXXX/XXXX, and did not apply it to the trial modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage acquired my home mortgage from XXXX on XX/XX/2016 after I made my XX/XX/XXXX payment. I was not notified of this until early XX/XX/XXXX via a letter from Nationstar dated XX/XX/XXXX which I did not receive until XX/XX/XXXX. The letter said I had a XXXX day grace period to make my first payment to them. I made my first payment on XX/XX/<YYYY> They reported my first payment as XXXX days past due and because of this I do not qualify for Harp. I have made repeated requests that this be corrected and they just send me letters saying they are investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
We applied to refinance our mortgage ( same company as the present mortgage, but at a lower interest rate and for fewer years ). I was told it should take 20 XXXX days to complete but it seemed there was XXXX issue after another ( some of which I did n't understand ) and it ended up taking XXXX days til we signed. Communication between the mortgage company and us was very poor. When I would finally get through to the person I was to talk with, I got excuses why things were n't moving along as promised and they were very slow to return my phone calls. I never did talk to the loan originator that was listed on the paper work, only the loan processor who seemed never to have answers, only vague excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: OH

Complaint narrative:
I submitted a previous complaint # XXXX against Regional Acceptance Corp. Please refer to my original complaint which is the origin for contacting XXXX. Contacted the IRS when I received these letters stating I owed {$990.00} in which the IRS said ; it did not send no such letters. Attached XXXX scheme letters using the IRS as a way to obtain money.

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 2017-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I applied for and was approved for the Making Home Affordable Modification and was assigned a single point of contact. I madd mt trial payments as required andcwas told I had turned in all documents. I followed up on XXXX and was advised I was set on my plan and was good on my modification. I received a call XXXX XXXX advising I was removed from my modification due to not returning the signed trial document from XXXX which I was never informed of. This is poor communication and misinformation as I was given confirmation I had completed all required steps to compjete the trial. I was then told I was no longer eligible for MHA as it was no longer offered and I would have to restart the process. This is negligent and criminal in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: TN

Complaint narrative:
I applied for a {$55000.00} loan against my current home which has no mortgage. I went to my local BB & T branch to do so but they called a dept. in another state. While at the branch the loan officer on the phone took information and was made aware that I was a long time customer. He told me what information he would need. I gathered all the info, took it back to the branch the next morning where they scanned and emailed him the documents. I asked that he rush the loan through. A week later he called and asked for all the same info again. He had let it sit for 7 days without doing anything. The loan finally made it to the appraisal process. BB & T made the appraiser aware of it on a Tuesday, he came on Friday and submitted the appraisal to them on Sunday night. Another week and a half went by. The loan officer asked for XXXX more pieces of info she said was supposed to be attached to the home. The appraiser had asked for the same info and was given it from a file I kept on the home, he took a picture of it and said I had everthing he needed. By this time, 22 days had passed. On XXXX XXXX, 2016, I sent an email asking BB & T to cancel this loan application as I had obtained a loan at a local credit union. Five more days later, she responded, 'Okay, thanks for letting me know '. When I received the appraisal in the mail, XXXX of the pictures was not even of my house and XXXX of the comments was not describing my house. 
On XXXX XXXX I received a Reason for DENIAL form letter with a check mark by Value or Type of Collateral Not Sufficient. I contacted the original loan officer who told me that wether they deny or I withdraw a loan, they mark it as a denial. For example, since I did not submit the document they requested because I withdrew the application, they mark it as a denial because documents were not submitted. After further questioning he said Federal Guidelines dictated this. The FDIC has confirmed that this is not correct. BB & T should have listed this loan as a withdrawal by the consumer and that is what I want them to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
With full XXXX party authorization from my client who is the seller in a short sale, I instituted a sale of the concerned home. Mortgage service company has used numerous delay process and has ignored all documentation and request from the seller. Time is of the essence whereby the buyer of the home will abandon the sales process if short sale approval is not obtained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My current adjustable mortgage was about to become variable. NationStar called to refinance into a fixed rate note. I was introduced to a XXXX speaking translator. I was told that I did not have to make the XXXX Payment because the payment would be made through the payoff. I had not refinanced before and did as instructed. The end of the month approached and I began to panic, I was told not to worry. Tuesday the XXXX I receive a call telling me that I must urgently make my XXXX payment. By the time I got off work to make a payment it rolled over to the XXXX of XXXX causing a 30 day late. I have had this loan for 10 years and " never '' made a late payment. This fact is reflected on my credit report. As it turned out, NationStar did not complete the refinance and I am unable to refinance with another mortgage company for up to 1 year due to the XXXX late payment. I have repeatedly called NationStar, spoke to various managers and no one is willing to take any responsibility and will not remove the late payment. XXXX is not my first language and considered broken XXXX. I feel foolish and misguided. I was willing and able to make the XXXX payment, why would I be instructed not to. I asked repeatedly if this could harm me, I was told the refinance would include the XXXX payment. I relied on the expertise of the person representing my best interest in a financial transaction. They should have never advised me to not make my payment. This not only harmed my credit but severely impacted my ability to refinance out of an adjustable rate mortgage. This is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I filed a chapter XXXX bankruptcy proceeding XX/XX/XXXX, to include my 1st and 2nd mortgages with XXXX XXXX XXXX. My filing was discharge XX/XX/XXXX. XXXX XXXX XXXX then sold my loan to Nationstar Mortgage, who then began reporting 120 day late payments on my credit report from XX/XX/XXXX through XX/XX/XXXX illegally as I was no longer responsible for this debt. I have filed disputes with the credit reporting agency, I 've contacted Nationstar directly. Nationstar acknowledged my requests to remove the 120 day late reports from XX/XX/XXXX to XX/XX/XXXX, however denied my requests by stating that " they could continue to do this even after my bankruptcy was discharged for this debt ''. I have now been denied credit from this illegal reporting at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: McCarthy, Burgess & Wolff, Inc.
State: NJ

Complaint narrative:
This company somehow not only received my personal cell phone number but my parents, friends and family members. They call every day and if I do not answer they call all of my family members. They are threatening me with a lawsuit to show up in court for a outstanding bill that they wo n't tell me what it is ... They are extremely rude and hostile on the phone. They will not give me any address or location. I have spoken with in-house legal and they told me to report it to the FTC. 

They say they are a law firm McCarthy Burgess & Wolff but are a debt collection agency. I have ZERO debt and my credit report is rock solid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Borrower 's applied for a XXXX short sale along with an offer from a pre-approved XXXX. The XXXX, XXXX asked the lender for XXXX. The XXXX did not respond. Consequently, he requested XXXX directly from XXXX. The valuation determined by XXXX is {$320000.00}. The XXXX, submitted a Valuation Dispute and submitted a XXXX from an independent party. The XXXX was {$280000.00}. Current offer is for {$270000.00}. The foreclosure sale date is scheduled on XX/XX/2017. XXXX has requested a postponement of the sale to allow time to review valuation dispute. To complicate matters the property is listed on XXXX for {$200000.00} as an opening bid. XXXX has asked the lender to remove the XXXX listing since it conveys to public that the property can be bought for this amount. Meanwhile, the XXXX as the property listed for {$290000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: C & M Associates Group, Inc.
State: NC

Complaint narrative:
I received a call on XXXX/XXXX/XXXX from a " XXXX '', who did n't say what organization she was from until I asked. She said she was with C & M Associates group trying to collect a debt from a XXXX XXXX Account I had. When I questioned the validity of the debt and asked to speak to a manager to obtain more information regarding the amount and more specific details, I was referred to a XXXX XXXX who essentially berated me on the phone in a derogatory manner. When I asked for his address or physical location address he could n't provide one. On XXXX/XXXX/XXXX -- The next day I called XXXX XXXX XXXX, but they were unable to provide an update status due to the age of the account, they could n't tell me how much was owed, what was rented or the last date of payment or what address it was associated with. It just stated it was a " skip '' account, but nothing more. The fact that they it did list an account, I assumed perhaps the account was valid, so I called the collection agency back to see what arrangements could be made to settle account. ( Note this account is not appearing on my credit file currently ). She ( XXXX ) said they would be able to settle the account from the {$5000.00} that was owed to {$1000.00} via way of 5 monthly bank drafts which I had initially agreed to. But then when I hung up and researched the company more, I could n't find them on the internet, no physical location listed or anything. I did see numerous complaints filed via XXXX though. The one phone number I did find was an XXXX #, and when I called it, an " XXXX '' answered the phone but she sounded very much like " XXXX ''. XXXX said that once the arrangement was made she would be sending me a confirmation email of the arrangement. I have yet to receive such confirmation. By XXXX, I contacted my bank to close out my account for I felt that request was payment was fraudelent and changed my phone number also to prevent harrassment. This person was also calling my family members harrassing them. I was advised to contact the police who advised me that this sounded like a collection scam and that I should contact the FTC -- who advised me that I should file a complete here with Consumer Finance. If possible, please stop the activities of this collection agency. This is the only number I have for them XXXX XXXX XXXX. Any assistance you can provide would be great. If I do owe XXXX, I would gladly work with XXXX to get that resolved, but they do n't even have that information in their system anymore. What would be my rights be at this point for an account that old when the company has no record of any information for that account. Any information you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
My home is on XXXX parcels of land. The first year I lived in my home, I mailed all XXXX real estate tax bills at the same time to my mortgage company, as I have an escrow account and they are supposed to handle those bills. Flash forward to XXXX XXXX of this year, when I received XXXX delinquent tax notices in the mail! I called Nationstar to ask why they paid for XXXX parcel when I own and sent them XXXX. I was asked to fax the delinquent tax notices to them directly, which I did on XXXX XXXX. I was told it would take XXXX-10 business days to be handled. By XXXX XXXX, I had not heard an update so I called back. I was told they contacted my tax collector and she said all my taxes were up to date. So I called the tax collector to confirm this and was told that they only contacted her about XXXX of the XXXX parcels, and it happened to be the one that was paid. They did not ask her about the other XXXX ( unpaid ) parcels, but she did tell them that there were XXXX parcels total and only XXXX was paid. I called back a 3rd time to let them know that they asked my tax collector about the wrong parcel. I 'm not sure why since they were faxed the XXXX unpaid parcels and never once was the paid parcel number even mentioned. A woman named XXXX had me on the phone for 40 minutes supposedly taking care of the situation. She was given the XXXX unpaid parcel numbers multiple times. I asked if the mortgage company would be paying the additional fees and penalties, being that this was their mistake, and was told that they would. XXXX said she sent out requests to inquire about the XXXX unpaid parcels and that she would call me on XXXX XXXX to give me an update. After NOT receiving a call with an update on XXXX XXXX, I called them again on XXXX XXXX. XXXX got the whole story again, put my information into the system, and proceeded to tell me that there are only XXXX parcels listed in my file, not XXXX as they have been told REPEATEDLY that there are. XXXX said she put in the request to confirm the third parcel ( even though this was supposed to have been done already by XXXX previous people ), and said I should call her back on XXXX XXXX to confirm that everything was verified and the taxes are being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I am involved in what has to be the longest re-finance of a loan ever!! I own a rental property and because of divorce, losing my job and the interest rate adjusting, I couldnt afford the payment so I applied to XXXX to refinance the loan instead of defaulting. This started in the middle of XXXX and was going along great when XXXX decided to sell the loan to SPS ( select portfolio servicing -approx XXXX ) -- this has to be the WORST company ever!!! I have been submitting the RMA since then monthly and have had to submit one section ( section XXXX ) no less than 9 times ( I am not kidding-I have the copies )!!!! I am supposed to have a relationship manager, XXXX, who never calls back or takes a week to call back -- why have one then?? Everytime I call I put in her ext. and it goes to someone else? Anyways, the problem with section XXXX is that this is a rental property and not my primary residence ( I am renting now ). I have had to send it on with the different boxes checked, my primary home address, mortgage payment and HOA payment -- did I mention I am renting now? Everytime I call there is a new customer service rep that says send it in this way after talking to underwriting and EVERYTIME when i call to see if they have received it, there is a problem??? I have asked to talk to underwriting numerous times but they dont take calls?? So here I am almost 2 years later and no closer to refinancing?? I just want to know if they are going to approve this or not so I can tell my tenants what they need to do, or if I can short sale it, or just have them foreclose on it?? At this point I am considering the later but really dont want to do that. I need help with this so called company and let me know if underwriting is ever going to get its act together and make a decision????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
My Complaint is with Select Portfolio Servicing , Inc. and Me. XXXX XXXX the Manager of the Ombusman Dept., I have been for ( 9 ) months sending documents to SPS to get a answer on if they will accept a buyers offer on the Condo, I 'm trying to Short sale for ( 9 ) months and can not get a answer XXXX XXXX said on XX/XX/XXXX that he would have an answer with in 24 to 48 hours it is now XX/XX/XXXX, XXXX, I have left message and I 'm always told he is in a meeting. 
I have received as of today a letter dated XX/XX/XXXX, requesting a profit and loss for ( 3 ) months they have almost a years of them, but I did send them. also asking again for Social Security awards letter I have given them one for the year, I have tried to explain that the XX/XX/XXXX awards letter will not be out until XX/XX/XXXX Taxes have been done and then I will get and give them XX/XX/XXXX, award letter!!!! ( the Soc Security comes goes auto into my bank, and SPS has all statements for ( 9 ) months ) which matches my XX/XX/XXXX award letter they have. 
the other documents is a PRE HUD that the title company has redone ( 4 times all different times ) goes back and forth takes weeks changes to lines XXXX, and XXXX,XXXX,XXXX, now on line XXXX they wanted to know what the exhibit is so the title company broke it down it is from the association dues, ( which do not have anything to do with the acceptance of the Buyers offer to purchase the condo, and to give me a answer if they will except the offer. 
SPS has told me to have line XXXX removed off the Pre Hud, the Title Company can not just take off lines??? 
I hope this answered your request for more documents, and now you can do the job of reviewing my Short sale request! 
There is one Document I have been asking for, as you know this property has a XXXX lien it is with XXXX, they need from SPS the approval letter this needs to be " the full payoff '' they need it for there Calculations, they also can only keep the file open for 30days. so I 'm asking again for this document, or XXXX XXXX can not complete the approval for the short sale. 
Thank you

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