vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
I ordered XXXX service. XXXX XXXX XXXX setup XXXX accounts. ( why I do n't know ) I was only serviced by XXXX account and paid on time every. They took me to collections for the implementation fee of the XXXX account. I disputed the charge and they removed it. after a few month they re-established it in collections with another collection service. I called them and all I get is that the account is in dispute. 
When I closed my account with XXXX XXXX XXXX they even gave me a refund for my overpayment. 
It was in collections with XXXX XXXX XXXX on XX/XX/2016. AS per XXXX " The creditor agreed to remove charges and/fees, This account is settled '' Now the collections shows up again with XXXX from Franklin Collections services Inc. my valid account number with XXXX XXXX XXXX was paid in full. As shown on my invoices the activation for my account was charged and paid by me on invoices XXXX and XXXX copies attached. When I closed my account with XXXX XXXX XXXX I was refunded the credit that was due me ( copy on final invoice attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Northstar Location Services, LLC
State: IL

Complaint narrative:
Northstar Location Services , LLC has resurrected a XXXX year old collection account that was written off by XXXX 9 years ago. It was also disputed with XXXX two years ago with CFPB ( Case # XXXX ). XXXX XXXX XXXX and XXXX XXXX XXXX wrote this debt off and deleted it from my credit report. This debt/account ( see attached document ) is over 9 years old. I have not had any communication from XXXX XXXX since filing bankruptcy in XXXX 2007 and XXXX XXXX. XXXX. since they informed me that they were writing it off and deleting it from my credit reports. I have not and do plan on reopening a closed old account with NorthStar collections. I have not contacted them. I have only received these letters and occasional phone calls which I do not answer.

Company response to consumer: Closed
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC
State: VA

Complaint narrative:
I am in the process of paying this debt collector the amount owed, and I am using the online payment system to minimize communication with them. Their website ( XXXX ) allows you to make payments, no matter what date you choose to make your payment it will be drawn on the day you go to the website and make payment. For example, last month I scheduled the payment for XXXX/XXXX/2016 and I processed the information for the payment on XXXX/XXXX/2016, the payment was drawn out of my bank account on XXXX/XXXX/2016. I have the printout of the information that I submitted for the payment and it clearly indicates XXXX/XXXX/2016 for the payment date. This is deemed as a deceptive and false payment practice of Northstar Location Services and should be investigated, ASAP.

Company response to consumer: Closed
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services

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 2017-02-04 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: Metro Collection Service Inc.
State: CO

Complaint narrative:
I had made a agreement with Metro Collection service, inc on a debt. Marking {$100.00} payments each month, of which I did keep my part of the agreement. During the last few months I took it upon myself to increase the amount of the payments. I called on XX/XX/2017 to find out my final pay off amount. XXXX informed me at that time my pay off amount was {$130.00}. I agreed that matched my records and sent the payment in, asking only for a lot tree r confirming the pay off. On XX/XX/2017 I received a letter informing me they received my payment, but now I owe another {$140.00} and they asked for a payment of {$140.00}. Due right away. This does not match my records and was not the info o was given.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
About one year ago I moved from the apartment called XXXX in XXXX Colorado to another place. So the apartment office said they were going to send me any balance remaining. On XXXX I received a balance of {$170.00} dollars so I went and bought a money order and submitted to them and cleared all the balances. Since then I never received any cimmunization that I had any due balances until around XXXX when I received a letter from one of collection agencies called Metro collection agency with a balance of {$230.00} which they wanted me to pay due to unpaid balance from XXXX XXXX apartments. The letter indicated that no additional charges are added from the initial debt. I decided to go myself to Metro collection and seek clarification of the balance and met with a person called XXXX XXXX whom I talked to and got me balance they received from legend orks apartments was {$170.00} and they added their charges which resulted to a balance of {$230.00}. He promised check and seek clarification from XXXX apartments and will give me a call back. I never received any call or mail since then. So I decided to check my credit score two days ago and found added account from collections with a balance of {$230.00}. I got the content information and found its from Metro collections agency. When I called them to ask about it they told me to write a dispute letter to them and attach a prove of payment that I made. So my concerns are if I never paid the balance why did they take long time since I paid the money order to contact me about the debt? Again why the Collection agency decided to add their charges on the balance they got from the apartments on which they indicated on the mail I received on XXXX that no additional charges or interests are included? Third why the collection agency never called me when I complained about the balance when I went to their office and they promised me that they will call back in few days ( XXXX XXXX employee who promised to call me )? Again why are they asking for a prove for payment for money order when the apartment are now owned by different company which they do n't have the receipt for payment and this is long time to be able to get that prove of payment? And finally why they reported the balance to credit bureau without contacting me to make a payment? Of course a paid this balance they are charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. For the past few days I have been receiving phone calls from this debt collector. They call and they hang up when I answer. A few days ago I called and the representative told me it was an attempt to collect a debt and they wouldnt let me ask questions. The company is HALSTEAD FINANCIAL SERVICES and they are calling from XXXX They also contacted my home and harassed my XXXX year old grandmother who is sick with XXXX and threatened to show up at my place of employment. I am not certain what his debt is about but they are certainly breaching the law. Please do something about this or I will certainly reach out to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fairway Independent Mortgage Corporation
State: MA

Complaint narrative:
I filed a Chapter XXXX in XXXX. I received information from my mortgage company regarding a loan modification, which I immediately responded to. I had sent all of the documents requested, I have even continued paying my mortgage on time. I have left messages for the manager to contact me and I have not heard back from anyone. I have expressed the struggle I am having to pay my mortgage and I am being ignored. I also asked that they take me off auto pay as I need time to catch up with payments and they refuse to assist me. My account is in the negative because they did not honor my request. 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 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Back in XXXX XXXX I filed for bankruptcy. My home was in foreclosure status I owed over {$5500.00} in arrears I was dealing with a financial hardship at the time and XXXX XXXX XXXX was the bank I paid my mortgage payments too. After so many denied loan modification XXXX XXXX XXXX finally approved XXXX back in XXXX XXXX. What happen was the remaining arrears had been put to the end of the loan ( deferred ). I had paid {$1300.00} on the arrears during the bankruptcy. Specialized Loan Servicing brought the loan from XXXX XXXX XXXX back in XXXX XXXX. I started making payments to SLS in XXXX XXXX and at present I 've not missed XXXX payment. SLS not once ever sent me a monthly invoice but back in XXXX XXXX when my bankruptcy was discharged they have been aggressively sending me threatening foreclosure letters saying I am {$3600.00} in arrears. SLS said XXXX XXXX XXXX reported to them back when they brought the loan I had some missed payments, the months SLS told me I missed I sent proof that the payments had been made to XXXX. That did n't work then I sent them a copy of the loan modification from XXXX that did n't work. I know that SLS is trying to get the remaining arrears that was deffered because back in XXXX XXXX they sent a loan modification package to my bankruptcy attorney and the attorney sent the package to me.

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 2015-06-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I am dealing with Fay Servicing. My account manager is XXXX XXXX. 
To go over that facts as were stated to me by XXXX via phone on XXXX XXXX, 2015. XXXX called me to tell me " I have good news for you before the Holiday weekend, you have been approved for a loan modification. '' " It looks like a principal reduction of almost {$100000.00}, a rate of 6 %, the length to remain the same as the original Note. You will need to sign some documents and make XXXX payments in the amount of {$2100.00} '' I would expect XXXX to tell the truth as I am sure he is directed from Fay Servicing. Well, this does n't appear to be true based on the Forbearance Agreement I received. In the Agreement none of the Terms XXXX presented to me on the phone were included. Furthermore, it appears that XXXX along with Fay Servicing are using deceptive practices, which to me appears like consumer fraud. 
This is no joke. I am at risk of losing my home, I would expect any company would act honestly and NOT use deceptive practices. It appears XXXX XXXX and Fay Servicing are doing just that. To tell someone on the phone all those facts, along with terms of the Loan Modification and send a Forbearance Agreement such as the one attached is certainly Consumer Fraud. 
Please help me. All I want is to be treated fair and for them to honor the terms they gave me over the phone. I would pay them the XXXX month trial period upfront if they would just honor their words.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Stanislaus Credit Control Service, Inc.
State: IL

Complaint narrative:
These people call my employer up to four times everyday, and on occasion leave messages. They falsely claim to have sent a certified letter to my home, and no one signed for it. I have cameras outside my home, and there is someone there at all times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I got this attached letter over the weekend from company by name : Specialized Loan Servicing company, which I do know or heard anything about them until now. Their name has never been mentioned to me in any of the mortgage information received either from XXXX or XXXX XXXX company that claimed that they are part of XXXX XXXX. In the letter from SLS-Colorado, they claimed that their creditor want me to pay them {$190000.00} .... ( See attached doc. )

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 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I am a customer of Specialized Loan Servicing and formerly of XXXX XXXX XXXX vis a vis XXXX. I am the recipient of a {$27000.00} Dept. of Justice write down. Approximately three months after SLS acquired my mortgage, my escrow account was in the negative as a direct result of high taxes- water and property. I reside in XXXX XXXX and we have the dubious distinction of paying the highest property taxes in the state. In addition my water and sewage bills have increased for three consecutive years by a whopping 15 %. Repairs to the infrastructure of an aging city are not cheap. 
Upon inception of the servicing of the mortgage, my note was {$1200.00}. It is now and has been for several months at {$1500.00} with a {$48.00} late fee attached. I was not given 60 days to prepare for the increase, nor was I presented a payment plan to make separate regular payments at a different time of the month to resolve the negative escrow issue. Instead the high escrow payments were placed on top of the mortgage, bundling them together for their convenience and forcing me into default. 
I am always stumbling to the finish line with a payment of no less than {$1600.00}. Only about 14 % of my payment goes toward reducing the amount of the actual mortgage. Furthermore, I am experiencing a 29 % increase in payment. I have been harassed with breach letters, informed that I can enter an in-house modification, and made to feel that if I fail to get my loan caught up, I will lose my home. My experience with XXXX informs me of in-house modifications : they increased before they decreased. 

I am being made to believe that if I do not give SLS a whopping XXXX every month before mid-month or XXXX later in the month that I will lose my home of many years. I am two months and 3 weeks behind.. 
Ironically, the amount applied to the principle remains static at a measly {$220.00}. 
My suspicion is that SLS is a subsidiary of some sort of XXXX, and customers who received a XXXX XXXX. settlement may be unfairly targeted. 
I am proposing a cure that involves allowing me to rebuild the escrow through regular payments separate and apart from maintaining regular payments of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: KY

Complaint narrative:
The company specialized loan servicer replied that they have obtained my mortgage but they have not -it was charge off ( dismissal ) they may act as loan servicers but they are also junk debt collectors -. The information of even amount is incorrect. They have started taping little notes to my door stating a field inspector came today with the amount of {$110.00}. The document they sent states {$11.00}. They sent me loan papers to get a loan with them but they are trying to obtain my mortgage -that is gone. This company is trying to get money/my home by using every tactic they can -they are trying to foreclose. This company may act as a servicer but they are doing very illegal/fraudulent acts. This is a total unfair/unjust practice. They are not my lender/servicer. Through researching this company should be shut down. There are so complaints of real unjust illegal practices. My resolution is for this company to stop the harassment. 
Please help me with this horiible company. I have been forced to deal w/them due to the harassment. This company is getting by with all they are doing to consumers because no one in authority is stopping them. 
Sincerely 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 2016-08-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I received, yet again, a letter XXXX/XXXX/XXXX from Specialized Loan Servicing requesting proof of insurance ( which they already had on file ). I went to the expense to fax and send certified mail on XXXX/XXXX/XXXX the discharge of my first mortgage - since they already had both proofs of insurance. I received another letter from SLS on XXXX/XXXX/XXXX requesting proof of insurance ( which they already had on file ). I, again, went to the expense of faxing and sending certified mail on XXXX/XXXX/XXXX. I then received a letter from SLS stating that they purchased insurance on my behalf and were charging my account {$950.00} and another {$140.00} for insurance that they had no right to purchase in the first place as they already had copies of both insurance policies on file since XXXX XXXX. I have been harassed by this company every year for proof of insurance which they 've had on file. XXXX and XXXX always send copies of dec pages to mortgage holders. Every year they try to purchase insurance on my behalf and charge me an outrageous amount. In New Jersey, it is illegal to force a consumer to purchase more insurance than necessary.

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 2016-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: TX

Complaint narrative:
Fedloan servicing falsified my income driven repayment application for XX/XX/2016. I submitted the income driven repayment application on studentloans.gov. My account on studentloans.gov reflects exactly as I remember filling it out and submitting it. I requested to simply update my income and continue the repayment plan I was currently on. I was surprised by a huge standard payment bill in XX/XX/XXXX as I was not expecting an interruption in payments or a change in my payment plan as I requested to stay on my same payment plan. Fedloan insisted I had no choice but to switch plans based on my application, I told them I did not want to switch plans and I did not put that on my application. Fedloan refused to provide me with the application they claimed said they could force me to switch plans until XX/XX/XXXX. upon review of their falsified document, a box was marked manually requesting my lender pick the plan with the lowest monthly payment and place me on it in addition to the conflicting mark I selected in item number one requesting I continue my current plan and simply recalculate my payment. all of the boxes I selected have electronic x 's and this box they claim I checked that allowed them to force me to switch plans does not. I did not check the box requesting fedloan force me into whatever payment plan had the lowest monthly payment. When I confronted Fedloan about this Fedloan threatened me that if I peruse the injustice bestowed on me that they would place me back on standard payment and continue to erroneously capitalize my interest every month I had to defer until I submit and they take as much time as they want to " process '' my application. This is an injustice and I will not allow Fedloan to continue to threaten me into allowing them to falsify my loan document. I am demanding they address this injustice by reversing the activities placed on my account based on the falsification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS servicer for loan XXXX is refusing to comply with the closing in order to get the investor paid. Approval was given by sls on XX/XX/XXXX 2nd lien approval came XX/XX/XXXX ( received XX/XX/XXXX ) Both approval letters were provided to the buyer 's lender. Buyers lender started the loan process on XX/XX/XXXX. however with all holidays and the skeleton crews at the banks, SLS only gave 24 business days to complete a buyer loan. Buyer 's asked for extension, one was granted for 7 days hardly enough time to close the file. We are still waiting on the 2nd lien approval as well. XXXX 's lender has had less than 30 days to do this loan and SLS is bulling us and threatening us to not let us close. We asked for an extension to XX/XX/XXXX but they gave to XX/XX/XXXX we asked for 2 extra days but they refused and sent a nasty email. Values are good for 6 months. Sls is sabotaging this closing because they have ego problems with in the staff. We are asking you to please get involved to help us get a normal extension period. 
Both approval letters are attached. as you know the buyers lender will not start the buyers loan until both approval letter are received by the short sale lenders. In this case the XXXX lien approval letter lagged by 11 full days so buyers lender could not start loan until XX/XX/XXXX. SLS Mtg. was told via phone conversation of the 2nd lien date of approval and are now Sls is refusing to help their investor close instead they would rather do a foreclosure. We need help please. 
Thank you

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