vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have a mortgage with Select Portfolio Servicing which Is paid on time and current. I had a fire in my home on XXXX XXXX, 2016. The insurance company issued a check in the amount of {$24000.00} which was made out to myself and the above Bank. I signed the check and sent it to the Bank on XXXX XXXX, 2016. I had all the paperwork they required signed by the contractor expressed mailed back to them on XXXX XXXX, 2016 they told me they received it and I would receive a check for the full amount of $ XXXXand would be mailed out in 5 business days and the mail would then take 10 business days to get to me. I called after the 10 business days and they said they never cut the check and again I would have to wait this 15 business day period bringing me now into XXXX. They have been holding my insurance check since XXXX now to XXXX. This is a rental apartment so I am losing 3 months rent which does n't seem to matter to them. I am a XXXX yr old widow and If I was 3 months late on my mortgage I would be in pre-foreclosure. Is there something you can do to them to make them overnight my money which I stressed to them I wanted done and they said I still have to wait an additional 5 business days before they could even cut the check. 
My account number at Select Portfolio Servicing is XXXX. Property address is XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. 
My mailing address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, phone XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
my house burnt down on XX/XX/2015. i finally received a check from my insurance company to pay off the mortgage on XXXX/XXXX/2015. i two day priority mailed a XXXX check to quicken loans on XXXX/XXXX/2015. the post office lost the check and it did not arrive until XX/XX/XXXX so now quicken loans wants me to pay an additional XXXX to avoid forclosure on the property because it did not arrive by XX/XX/XXXX eventhough i have tracking numbers and proof that it is not my fault and it was lost in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I spoke with Senator XXXX XXXX office and they said that I should file a complain with your department. 

I am writing to you to request your help. My wife and I are attempting to get a loan modification on our mortgage. We completed a trial modification and made all payments on time. When they sent us a final offer, it included the principle balance which was {$360000.00} plus an {$80000.00} balloon payment that covers interest that accrued when I was unemployed. The house is currently worth {$300.00}. I told them that we would accept an offer to pay {$360000.00} with no balloon payment. I believe this is fair as it is XXXX % above market value. They rejected this offer and put us back in foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Good morning, XXXX states : " In XX/XX/XXXX, Select Portfolio Servicing was purchased by XXXX XXXX, a financial services company, headquartered in XXXX, XXXX. According to a Securities and Exchange Commission report ( XXXX : XXXX ) filed XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX ), XXXX now known as XXXX XXXX, purchased Select Portfolio Servicing and its parent holding company for XXXX. XXXX XXXX Investment Banking Strategy [ XXXX ] included " the acquisition of Select Portfolio Servicing, a mortgage servicing company. '' In XX/XX/XXXX, the FTC conducted a review of Select Portfolio Servicing 's compliance with certain aspects of the XX/XX/XXXX settlement. The FTC and Select Portfolio Servicing negotiated and agreed to several modifications of the settlement. [ XXXX ] HUD has also agreed to these changes. 

In XX/XX/XXXX, Select Portfolio Servicing received a $ XXXX bailout from the US Government TARP program. As of XXXX XXXX, XXXX $ XXXX has been dispersed to the company. The company has not paid back nor are they expected to pay back the funds. [ XXXX ] [ XXXX ] '' Can you help me understand this? XXXX XXXX buys you for XXXX. You take XXXX as part of a " bailout ''. You never repay the bailout. How does this work? What did you use the XXXX for? 

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 2016-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
My origianal mortgage with XXXX / Three and a half years ago Social Sevurity stopped payments to the tune of {$10000.00} because they said I made too much money and that they had over paid me. As a result I was late in my mortgage payements to XXXX. I tried to modify the mortgage many times but my paperwork kept coming back as incomplete eventn though I was working with Mortgage Assisance from the XXXX Office of MA. Because of this I was forced to go into capter XXXX bankruptcy. Then my loan was sold to Selecto Portfolio Services of XXXX XXXX XXXX Utah I have been making payments to them and the Chapter XXXX trustee. A couple of weeks ago my lawyer called sayin that SPS claims that I owe them {$10000.00} and that I have not paid them since XXXX XXXX. They want to go to court to remove the protection and foreclose on my property if I do not comeup with $! XXXX dollars. I am about to send in my XXXX XXXX payment. I am very nervous that this payment and the other payments will not be credited to my account. 
I have gone over all of my bank statements for the past XXXX years and I have made every payment. So, I do not understand why my account is not being credited and why if there was some kind of a problem, why did SPS not tell me sooner. I have been reading so many complaints regarding the company that it makes me fearful of losing my property. I am a single senior and would really appreciate any help you can give me. My lawyer feets that mortgage companies are always right but from what I am reading I have serious doubts especially in the case of a company like SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
BB & T Provided Senior Vice President XXXX XXXX XXXX, provided false statements in Consumer financial Protection complaint, case # XXXX. Provided statement has no records of the account number or Social Security number provided. Account number is XXXX Letter date XXXX/XXXX/XXXX. This letter is the Lead to the International Complaint drafted. Under the Mines and Minerals Act of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Champion Mortgage Keep sending me Fraudulent Claim, what is not, on my Mortgage Note. Champion Mortgage Chooses to apply a Advance Payment to the Mortgage Note in which I never requested no is it allowed under the term of the Mortgage Note. 
They send me a DEFAULT DUE to non-payment of TAXES and INSURANCE in which I always Paid from since I obtain the LOAN Champion Mortgage has the Home Owner Insurance Policy the carrier and the Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
This is an ongoing complaint. You should be able to select more than XXXX issue. Yesterday, Select Portfolio Servicing ( herein ; SPS ) sent a Realtor XXXX XXXX from XXXX XXXX ( no address on letter, only a ph # XXXX & a Fax XXXX ) to put a letter on my residence of owner Occupied. To ask about moving out and receiving cash to avoid eviction. My matter is still in litigation. SPS still continues to make attempts to " scare me '' I am XXXX, my spouse abandoned me. I have been fighting this by myself. I am not on a " NOTE '' that had been lost, destroyed or stolen, that was never produced until the very last minute, with XXXX signature, ( ill gotten ) and XXXX endorsement, without recourse. SPS has never had a recorded chain of assignment only a fraudulent assignment by XXXX exists in the recorder office by a Robo Signer named XXXX XXXX. To which is what SPS came with. If they had at the time, why did they not bring it. They did not HAVE the authority to come to court or act on behalf of anyone. I have sent several XXXX and XXXX to SPS, and the recent Realtor. SPS has comitted fraud, along with XXXX Bank. I ask they Cease and Desist from further attempts to seize my home or have me evicted as THREATENED. my case is still in Litigation. THEY ALSO CONTINUE TO ASK FOR A PAYMENT THAT WAS PAID. I HAVE SUPPORTING DOCUMENTATIONS TO SUPPORT THIS FACT. THEY ALSO CAN NOT PROVIDE XXXX YRS OF ACCOUNT ACTIVITY. 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 2015-04-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. MY SERVICER HAS COMMITTED SEVERAL BLUNDERS THAT HAVE DELAYED MY SHORT SALE TRANSACTION. XXXX INCREDIBLE ERROR INVOLVED THE FACT THAT THEY MISTAKENLY COMPLETED A FORECLOSURE SALE WHILE PROCESSING MY SHORT SALE REQUEST. MY SERVICER, SELECT PORTFOLIO SERVICING ( SPS ), ADMITTED THE ERROR AND TOOK XXXX MONTHS TO UN-WIND THEIR MISTAKE. THIS CAUSED FURTHER DELAYS IN THE ABILITY OF MY REAL ESTATE AGENT TO PROPERLY MARKET THE PROPERTY AND OBTAIN OFFERS. NOW THAT I AM JUST ABOUT READY TO CLOSE THE TRANSACTION, I HAVE BEEN INFORMED THAT THE INTERNAL REVENUE SERVICE NEEDS A LITTLE MORE TIME TO PROCESS A PARTIAL LIEN RELEASE ( FOR MY HUSBAND XXXX ). THIS RELEASE IS NEEDED PRIOR TO CLOSE. IT IS ESTIMATED.THAT I MAY NEED AN EXTENSION FROM MY SERVICER TO XXXX XXXXXX/XX/2015. MY SERVICER HAS A SELF-IMPOSED XXXX XXXXXX/XX/2015 DEADLINE FOR SHORT SALE APPROVAL AND A XXXX XXXX SALE DATE. THE MAJOR ISSUE, XXXX AGAIN, IS THE PROCESSES AND PROCEDURES ESTABLISHED BY THE SERVICER. THESE PROCEDURES ARE PURPOSELY DESIGNED TO SET-UP FAILURE. A REQUEST FOR AN EXTENSION HAS BEEN SUBMITTED BUT THE PROCESSOR TAKES 10 DAYS TO PROCESS AND MANAGEMENT WILL TAKE ANOTHER 7-10 DAYS TO APPROVE. THIS SYSTEM IS BLATANTLY UNWORKABLE IN A SHORT SALE ENVIRONMENT. I HAVE ATTACHED EVIDENCE THAT XXXX IS ASSISTING ME WITH THE IRS MATTER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
THERE IS A INQUIRE ON MY CREDIT REPORT THAT I DIDNT MAKE AND NEED TO BE REMOVED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
so i am once again complaining, i 've done everything and provided everything as requested. all conditions have been met except one ... .my bank statements for 2 months needs an update/missing pages. there is nothing missing, i have even clearly indicated rental income and verify all the pages are correct. i am enclosing copies for you to see to make sure we are on the same page. i have make every effort to play by their rules. please step in as liason and figure out what is happening. there seems to always be something that has to be done " outside of the realm of what is consider reasonable and is required ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
After a death in the family we found IRA 's that were left to me by my deceased father and they also included my name. We had the will probated and began the task of dispersing his assets. The late part of XXXX 2016 we took all needed paper work including a death certificate to our local branch and were told we would receive the the money in a few weeks.The XXXX part of XXXX when we had n't received a check we returned to our local branch only to be told that our paper work was lost in a flood so we began the process again and told that a check would be mailed on the XXXX day of XXXX. XXXX XXXX no check has been received so we return to our local branch and told that due to the recent holidays and snow that its just taking a little longer. Upon further questioning we find out that they are now missing a death certificate which is supposedly lost in this flood and not located from the 2nd submission so we provide it immediately and now are told that a check will go out Friday XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
Needed a replacement title for a XXXX Ford Taurus. Did not know had lien from BB & T and paid agreed amount on XXXX/XXXX/XXXX. Was informed 7-10 business days to get title..Went back to BB & t on XX/XX/XXXX and found out out was n't posted until XX/XX/XXXX and would be another 7-10 days. on XX/XX/XXXX inquired again of status an informed title on its way. Went to branch on XX/XX/XXXX and was informed by corporate headquarters it it was just being released today and another 7-10 business day and once whatever that department that is will go to another department and another 7-10 days. Its looking like XX/XX/XXXX now until I receive title and I wonder if that 's true until I go into the branch again. They 'll tell me again XX/XX/XXXX business days. Very frustrating and punishing

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 2016-04-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
In Nationstar 's response to my complaints to the CFPB, they cited repayment plans offered to us on XXXX, and XXXX. The XXXX 2014 plan split the one month that we were behind into XXXX payments of {$1100.00} to be added to our regular mortgage payment of {$2300.00} for a total of {$3500.00} for two months. The XXXX 2014 plan was to split the one month behind into XXXX payments of {$760.00} to be added to our regular payment which would have resulted in XXXX payments of {$3100.00}. In my first complaint to the CFPB, case number XXXX, I stated that " The only plans Nationstar offered were plans that we could not afford. However, in their response to me and the CFPB, Nationstar invoked said unaffordable plans in an attempt to defend their stance that they had offered assistance to us, when in reality they offered nothing. At the end of the aforementioned response that Nationstar sent, a telephone number was included for " XXXX XXXX '' from the " XXXX ''. ( XXXX ) My husband attempted to call this " person '', from Nationstar 's home office in " Texas '', and was re-directed to the XXXX. This is always the case with Nationstar. Whenever we attempt to contact them we are connected to the XXXX, and more often than not -- we are forced to speak with people who are -- for the most part -- unintelligeble to due their thick accents. When asked this morning to be connected to " XXXX XXXX '', we were told that no such person nor extension existed -- however we could be helped by the agent who answered the phone. When we asked the agent what office he was speaking to us from, he stated that it was an " offshore location ''. We asked which offshore country? He evaded our question for as long as he could before he finally admitted he was speaking to us from the XXXX. Again -- MUCH, MUCH MORE OFTEN THAN NOT, THIS IS THE CASE. We like thousands of others across the XXXX -- based on what we have read in the newspapers and on the internet -- think that the Texas address for Nationstar is a shill for the real headquarters, which we believe is in the XXXX. If this is the case -- ours, as well as thousands of other American mortgages -- are in the hands of a foreign country. Perhaps this is the reason Nationstar is unwilling to assist its American customers. To deny us assistance in making our mortage payments more affordable, it serves -- in the long run -- to further weaken the American economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I received a trial plan offer for the XXXX Modification back in XXXX. I completed the required 3 months and am still submitting payments. My dedicated specialist had advised me that the XXXX had been approved and that my final payment would remain the same as my trial {$620.00}. I received an offer through the mail for a XXXX XXXX standard modification agreement, the offer in tails different terms than what I was told over the phone. I spoke to my dedicated loan specialist XXXX XXXX and he specified that the XXXX modification was present in their system. When I contacted Nationstar today, I was told that XXXX XXXX was my dedicated specialist, he was not available to speak so I spoke to someone else, XXXX. I was advised that the XXXX offer was not in their system. I am seeking clarity and hoping to receive the XXXX offer I was advised I was approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Nationstar Mortgage is not providing a loan pay off statement despite numerous requests. Are they not legally obligated to provide this in a timely manner. Also, they state on their website that I am charged {$25.00} every I request a payoff statement. I have requested it XXXX times. Yet, they have sent me nothing. So, they are going to charge me {$75.00} for them not doing anything?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I applied for a loan with QuickenLoans through their so-called " XXXX '' platform. I was quoted a rate on the first day and requested getting locked in. It took Quicken weeks to eventually tell me that I do not meet their underwriting guidelines, even though my loan rep continuously conveyed optimism that I would be approved. During those several weeks, rates climbed at unprecedented levels. I strongly suspect the decision to decline had more to do with the climbing rates and Quicken 's failure to lock in my rate.in other words, they did n't want to absorb the cost of their failure to hedge and declined me instead. 

Even if that is not the case, I lost several weeks thinking I was getting approved and was locked in. Now, with rates likely to continue to rise, I 've lost the opportunity to refi and their incompetence will cost me XXXX of dollars!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am in an active loan modification review with my lender Quicken Loans and have a trustee sale scheduled for tomorrow, XXXX XXXX, 2016 at XXXX. I spoke with Quicken Loans and was informed that they will not be postponing my sale. I believe this is a form of dual tracking and completely illegal and are unsure why they are choosing not to assist me in this matter. I am now forced to hire counsel and help protect myself.

Company response to consumer: Closed with explanation