vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I called Credit Systems International to inform them that this debt was paid via my insurance company and I asked XXXX to provide me with the name of the Physician or Medical Facility that they were collecting on behalf of. XXXX stated that it was XXXX but she could n't give me the name. She also stated that it was their policy that she could not speak to me because I was speaking on my phone on a hands free ( through my car audio system ) device. I asked her to transfer me to someone who had more compassion about what I needed and she transferred me to a random voicemail. I called back and got XXXX again and she stated the call " Are you still calling on a speaker phone? '' She did not attempt to assist me nor did she provide me with the name of the company that she was collecting on behalf of. I had to hang up and call my insurance company and have them call her, but she continued to be rude and did not provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
My wageworks credit card sent them a check for XXXX and that check was returned back for incorrect address that was given to me by XXXX XXXX University. After a month I received a letter from XXXX that my payment is passed due so I called my wageworks and they told me they already paid them but they returned the check. I called XXXX and explained what happened and if they can send me a good address and another medical bill to resubmit it to my wageworks and they never did until they finally kept sending me a balance statement instead of a medical bill. I told them a balance statement is not accepted by my wageworks credit card so they ignored my calls and reported me to CRS Consolidated Recovery System. I explained to CRS that my wageworks card is willing to pay because they did before and the check was returned if MHU can send me a bill, but even I told them what is going on and why my wageworks can not pay them unless I get a medical bill CRS kept sending me a balance statement which is not accepted by my wageworks credit card. The whole thing is very simple to solve if XXXX send me a medical bill stating in it the exact type of treatment they provided the payment will be issued in a matter of a week. Both XXXX and CRS do n't want to cooperate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
Dear CFPB, On XXXX/XXXX/15 Specialized Loan Servicing agents and my designated relationship manager, XXXX ( Teller ID : XXXX ) confirmed SLS made a mistake in processing my final loan modification agreement. The agent also confirmed that my additional payments of ( {$3400.00} ( XX/XX/XXXX-XX/XX/XXXX. 2015 ) since the completion of the trial modification program ( XXXX - XXXX 2015 ) had not been applied and still remain in a suspense account. I was told the issue had been escalated and a supervisor would make sure the system was updated and the agreement enforced. I had contacted SLS on XXXX/XXXX/15 to inform them I had not received the final loan modification documents and did they send to my new address as I had informed them of in XXXX. SLS stated they had sent the documents to my old address on XXXX/XXXX/15 to be returned by XXXX/XXXX/15 and they would resend the documents and retroactively enforce the agreement. SLS sent the documents on XX/XX/2015. I signed and notarized the documents on XX/XX/2015, confirmed SLS received on XX/XX/2015. XXXX Tracking Number : XXXX. When I contacted SLS on XXXX/XXXX/15 for a status update and resolution before I made another payment to sit in a suspense account, SLS transferred me to over XXXX agents and said they could not find any documentation and my final loan modification had been denied and threatened foreclosure. I have been working with SLS during hardships for over three years to resolve the defaulted mortgage payments. SLS denied XXXX distinct offers to purchase the listed home from different buyers in two years via the short sale XXXX process. Then we pursued Deed in Lieu and Loan Modifications, I completed the Trial modification and due to SLS mismanagement, fraudul ; XXXX practices, unethical standards, and poor customer service my final modification is not being processed and causing me extreme stress and continued financial hardship. 
I would like this situation to be investigated and resolved immediately, my final loan modification reinstated, and my suspense payments applied to the new modification. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
My husband and I had a mortgage loan with XXXX and a second mortgage with XXXX Mortgage. We were in our home ten years and was never late on a payment, not once. I was laid off my job of XXXX years and asked over an over again to refinance. I was told no by XXXX. During this time the payment went up over XXXX dollars because of the type of loan. That is one of the reasons we wanted to refinance the loan before this happened. We were also told you have never missed a payment so they are not going to help you refinance. We used all of our savings to keep things current. We tried next to do a modification and was told the same thing. Once they realized we were going ahead with the modification the loan was sold to SLS, than the problems really began. I started back working at half the salary so it was hard catching up. While processing the modification SLS continued to say they either did not receive documents or they needed them again. This happed every time we would send the documentation, they would say it was received to turn around and say they did not have it. This went on for over a year before they finally said no to the modification. We decided to do a short sell on the home. We have had XXXX offers. XXXX was XXXX short of what they wanted so they said no. The second was a cash offer for more than what they asked. XXXX would not agree to the short sale and kept things in limbo, meanwhile they stated they did not care if we foreclosed on the home or filed bankruptcy. The couple buying the home needed to close soon because she had XXXX XXXX. XXXX would not agree with any option that was put out there so the couple found another home. The next day XXXX called and said they would agree after we made a complaint but it was to late. A week later we received a third offer for over the amount asked. The persons buying the home ask if they can close as soon as possible ( within 45 days ) because they are closing on their home. Now SLS continues to drag and now decided they want more money. How can you keep doing this. It is as if they do n't want to really sell the home. This has gone on now for a year and a half and is affecting my health. They have not returned my calls and know that the family wants to close soon. I am not sure what to do next. We had excellent credit and always say our bills. We would like to sell the home so that we can move on. We do not want it to go the house to go into foreclosure. I will be looking for a lawyer tomorrow.

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 2016-10-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I am currently trying to get a loan modification review through SLS but they just told me today that they could not because they need 38 days to look at my file. This seems odd because I have been submitting documents and was never told that. I submitted my loan modification documents over 10 days ago and additional conditions over this weekend only to be told that they can not look at my paperwork.I am concerned because I have not received anything in writing and feel that SLS just does n't want to work on my file. I get teh sense that they are going to just let me lose my home. I have a sale date for XXXX/XXXX/16 and I do n't want to lose my house to foreclosure.

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 2015-06-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Malcolm S. Gerald and Associates, Inc.
State: MA

Complaint narrative:
This company called my cell phone ( XXXX ) and left a msg on XXXX/XXXX/15 to return their call. Then they called my house phone ( XXXX ) a few minutes later and my wife answered. 
A women named XXXX XXXX asked my wife to take down her information and have me call them back. She stated she worked for an attorney and that I owed a debt from a XXXXcredit card account. My wife quickly googled this firm and found fraud allegtions and many complaints about them. 
After careful research we have found they are not attorneys, which is a violation of Federal and State Law, and have found they are not licensed to collect in the state of MA. 
I called the telephone number she gave my wife and a XXXX XXXX answered. She asked for my name, then she stated that I owed the debt a for a XXXX credit card. 
I then I asked her to send me documented proof by mail. She replied with " are you denying that you owe this debt? '' I said " no, I am asking youto send me proof.? This went on for a few more minutes and I just hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I applied for assistance with SLS to save my home from foreclosure. I hired an attorney to help me with the process. I also applied for assistance with Keep your home California. I was approved with Keep your home California. My attorney submitted a loan modification application with my servicer SPS on XXXX/XXXX/2016. They have confirmed my application was received and complete and they are now stalling ( evading ) making a decision. The reason I am filing this complaint is because today my attorney says that SPS today said they did not have a complete file until XXXX/XXXX/2016. This is absolutely not true and a lie simply for them to stall. If you look at the attached Law Office Internal notes, you will see my attorney confirmed with them several times prior to XXXX/XXXX/2016 that the file was complete. Regardless, according to RESPA Reg X, the servicer does not have to have a perfect, complete file. They merely have to have a semi complete file with enough info to make a decision. They have had this since XXXX/XXXX/16. However, I am told by my attorney that SPS does not follow the RESPA Reg X guidelines/rules. They go by their own rules and have no lied about not having a complete file until XXXX/XXXX/2016. My approval from keep your home california is about to expire while my servicer, stalls and evades making a decision on my loan for a loan modification even though they have now had my complete file ( Prepared by my attorney and their underwriter ) now since XXXX/XXXX/16.

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 2016-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
Specialized Loan Servicing is knowingly engaging in the prohibited practice of " Dual tracking '' while I 'm applying for a loan modification. I 've submitted all the required and requested documents. I received the enclosed letter indicating the status of documents received. I called SLS via phone and was told to resend a XXXX and XXXX forms. I send these forms immediately via fax and email. I called SLS again to verify receipt of the tax forms and was told to resend again because know they no longer accept the forms anymore despite me getting the tax forms directly from SLS website 's Document Library. I have had this pattern of SLS telling me something IS wrong with this tax form at least 4 times causing delays and putting me in danger of a foreclosure sale.

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 2015-08-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Agency of Credit Control
State: WA

Complaint narrative:
I hired XXXX from XXXX, Colorado in XX/XX/XXXX to build a prefabricated backyard studio in my property. XXXX was contracted for materials and also provided a certified professional installer. The studio design was signed off on XX/XX/XXXX and construction began once the material arrived in XX/XX/XXXX 2014. 

Due to ongoing issues with the installation, I withheld {$850.00} XXXX XXXX XXXX of the original {$20000.00} owed. {$19000.00} XXXX XXXX XXXX were paid by me prior to the completion of the construction as per the contract with XXXX XXXX. 

XXXX referred the non-payment to a debt collection agency, Agency of Credit Control XXXX as per the letter dated XX/XX/XXXX that I received from the agency. 
However the Agency of Credit Control XXXX has alleged that I owe {$10000.00} ( XXXX ). 

I have notified XXXX and the Agency of Credit Control XXXX that XXXX i ) The amount {$10000.00} of debt alleged by them is incorrect, ( XXXX ) The actual amount {$850.00} owed by me is being withheld pending repairs due of faulty construction. 
XXXX iii XXXX The Agency of Credit Control XXXX must notify all the credit monitoring agencies contacted by them about ( i XXXX and XXXX ii ) listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Robinson, Reagan and Young PLLC
State: TN

Complaint narrative:
i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I was denied the chance to continue an application with the XXXX program, by Doral Bank XXXX XXXX XXXX, which has dissapeared and was bought by XXXX other XXXX banks, because I have a HOME OFFICE in the lower floor of my house. I do not know it a XXXX lender can really deny me this service. I really would like to refinance my mortage, so I can lower my mortage payments, just as XXXX other XXXX citizens have done. Please respond to my question, as I am very unknowledgeable of these complicated finantial issues and no one else has bothered to answer my question, here in XXXX XXXX. 
Thank you very much. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
To Whom It May Concern : I am formally filing a complaint against Monterey Financial Services for XXXX actions that violate my rights as a consumer and fair debt collections practices acts ( FDCPA ). Monterey Financial Services has provided false statements to XXXX and XXXX trying to collect debt by misrepresentation the amount I owe. XXXX has both regular account and a collections account while XXXX only has the regular account. The amounts stated were to be principal and interest but later were told that collections fees were involved. 

Second, Monterey gave false credit information to the credit reporting companies about their collections and amounts paid. How did XXXX come up with a balance owed {$5200.00} on XXXX XXXX, XXXX? That is what XXXX states in my credit report. 

Third, Monterey is charging fees of {$20.00} per month, late fees, interest and other collection fees that I have asked for in writing but Monterey refused to provide. My contract does n't allow for them to collect collections fees, a {$20.00} per month other fee, and interest on top of everything else. This is a breach of contract and therefore Monterey should have to pay for failures. 

I have attached letters written by myself on different occasions to get the necessary explanation for the charges. I have attached a copy of the agreement along with how Monterey applied my payments. I have asked repeatedly for an account analysis and summary. However, Monterey has refused to provide such analysis and understanding of the charges and fees. 

I have paid {$200.00} per month from XXXX XXXX through XXXX XXXX which is not shown to any of the credit bureaus and should be reflected. As of XXXX XXXX I will not be paying anymore payments to Monterey since Monterey has breached their fiduciary duties as mentioned above. I have consulted with an attorney, credit specialist and I performed my own research about Monterey 's practices and behaviors to conduct this thought out letter and analysis. 

Thank you for your time and I look forward to your review and analysis in the next 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC.
State: OR

Complaint narrative:
I made a payment to Plaza Home Mortgage on XXXX/XXXX/16. I received a confirmation number and a confirmation email. In XXXX I was told by Plaza Home Mortgage that I had cancelled my payment on XXXX/XXXX/16 XXXX. I did not cancel this payment. ( I find the time and the date of the cancellation very interesting. ) I received no confirmation number or any confirmation email that this payment was cancelled. Plaza home mortgage also states they tried to contact me to tell me of the cancellation. Plaza Home Mortgage called me on XXXX/XXXX/16 at XXXX and I returned the call on XXXX/XXXX/16 but there was no mention of the payment being cancelled by the Plaza Home Mortgage Customer Service Representative. There was no other phone call or correspondence from Plaza Home Mortgage regarding this cancellation. There was no way that I could have known this payment had been cancelled.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I had a invoice that was covered by Medicaid that due to a clerical error was late getting paid, due to no fault of mine. It went to a collection agency. I called as soon as I was notified and gave them the information they needed to remove this debit from their ledger and was assured the matter was closed. They still reported me to reporting agencies and my credit score lost XXXX points while I was in the process of getting a home loan which very negatively impacted my ability to get a loan. They have made no effort to call me to resolve the issue after I have attempted to make contact with them multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Once again, my servicer - SLS - has taken five days to apply my payment and subsequently " cause '' a delinquency and post a late charge to my account - over a weekend and over the grace period cutoff. My payment was confirmed by my bank as delivered and received by SLS on XX/XX/XXXX ( Thursday ) and not negotiated until XX/XX/XXXX ( the following Tuesday ).

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 2016-02-21 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
This company calls me 6-7 times a day. They rarely identify themselves when calling. I am constantly cursed at, threatened that they will show up at my home, tell my supervisors " what I have done '', threaten to arrest me, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have repeatedly requested that AWA Collections provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation