vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I went into default, I admit it. I have been spending the last 4 years paying thousands of dollars into " XXXX '' that were supposedly helping me get out of default and rehabilitate my loan. Every corporation buried me in forms to fill out and turn in, changes in due dates and amounts due, and endless runarounds. There was always an excuse as to why my consecutive monthly payments did n't qualify for rehabilitation. 
I recently parted ways with " XXXX '' for this very reason, and attempted to consolidate my loans with " FedLoan Servicing - A Department of Education Servicer ''. I submitted all of the necessary forms to consolidate all of my loans. They, in turn, consolidated XXXX of the XXXX I had requested, then attempted to start drowning me in required paperwork and forms. They sent me a notice in the mail stating I owed {$12.00} on XXXX XXXX. Upon attempting to pay said funds, my account online showed a {$0.00} balance due, and would not allow me to pay any extra. I am praying I do n't see them report a missed payment to the credit bureaus. 
I have been working feverishly for years trying to fix my credit, and right now my student loans are the only things preventing me from doing so. My loans are revolving in a world of default that I ca n't get them out of. Please offer as much assistance as possible, I would greatly appreciate it!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Plus Inc
State: CT

Complaint narrative:
hello I am a XXXX veteran this company ran my report I never gave verbal and or writtenconsent to authorize use and or to run my credit report and this is hurting my credit really bad and need your help removing it. 
I 've tried to call and talk to thesecompany but never have any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Will not provide me with a statement showing my debt on XXXX locations of my credit report. Has not informed me that I owed anything. XXXX of the debts are not mine .. I asked for proof or statement and was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: IQOR US INC
State: CO

Complaint narrative:
I was stupid when I was younger I believed the college loan programs estimates of what I would be making in my area when I graduated college! These people would not lie ... would they??? I was contacted by Allied Interstate ( formally XXXX XXXX ) for my defaulted student loan. The person who contacted me knew nothing about my background and loan information so much so, that I indicated that I wanted to check this company on line. Have you checked this company on line? If not, please do, it is interesting as to what has been said. The sad thing is this company still seems to be doing the same not posting payments indicating people owed more after the payment term was up, etc. ( found info on line ) With student loans if you do not repay they trash your credit then you can not get a job that pays you enough to live so you remain in default! No wonder so many just refuse to repay .... or just can not repay! I want to repay my loan but I want to repay my loan to a company who actually knows me and my situation not just out to make a buck! Does n't really surprise me that the government chose this company ... Does it really surprise anyone that the government student loan default ratio is so high???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MINNESOTA LIFE INSURANCE CO., THE
State: WI

Complaint narrative:
the almost the entire payment goes to interest not the pres able the balance is not going down

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: CA

Complaint narrative:
I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I keep my credit scores on very close watch and was notified my scores fell below XXXX this morning because of a collection. I have XXXX collections on my reports. I pay all my bills and keep my credit very clean because it is the lifeline to owning things in life. I have documentation from my doctor office showing my balance is XXXX and this company is reporting false information in direct violation of the very laws that are supposed to protect me listed in the FCRA. I have asked this company to immediately remove these items and also requested no further contact XXXX Please help me get this company to remove this false information from my report and discontinue calling my home

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 2016-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: James E. Albertelli, P.A., a Florida professional association
State: FL

Complaint narrative:
To Whom It Concerns, The law firm that is supposedly handling the short sale is refusing to respond to emails or messages. XXXX XXXX XXXX and XXXX XXXX XXXX are the XXXX lawyers asssigned to the case. Also I informed XXXX XXXX that her client was harassing me with eviction and changing the locks without notice on the property when it is not in their name. I would like to speak with her to settle the judgement in full. However, they refuse to respond. I do n't know why. It makes no sense. I would appreciate a response and / or a phone call. 
Thank you for your time, XXXX XXXX CASE NUMBER XXXX XXXX XXXX, XXXX XXXX is the the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
i got a random bill for a service i never received for almost {$400.00}. all that happened was i asked how long the wait was and got told 6 hours so i went elsewhere because i had an accidental overdue due to misprescription from a doctor. i never got seen, i never got a service yet they insist i owe them

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 2017-02-09 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
My information was sold to a 3rd party without my permission. I did n't sign anything for my information to be released to this comp [ any. This has impacted my credit score bad.

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 2016-01-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
Company name : Collection Bureau Hudson Valley, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Partial account account number : XXXX I have disputed XXXX accounts of information that are not my accounts, this company removed XXXX accounts off my credit report and continues to report one : XXXX. They are deliberately looking for extra payment. The accounts were paid XXXX. I have spoken to this collection agency and were told the accounts had to do with my children, who are minors and who were serviced at an emergency room. They said there was a third party. I told rhem I have nothing to do with a third party, and whatever third party this doctor knew about, should have made sure he got paid. XXXX ( Insurance that my children has ), I feel, on personal that fraud is in play, to receive extra money, which this doctor has been paid for services through XXXX. 
If they removed XXXX, off my credit report, it is obvious, that this one ( stated above ) is false information, continually being reported on my credit file, destroying and prohibiting me from obtaining credit, etc.,. I would like this to be remedied, swiftly, as I will obtain a lawyer to remedy the situation, and slap them with a lawsuit. They are involved in illegal activity and need to be brought to justice. 

Many Thanks in Advance, Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I was declined a job offer based on my consumer report and want to know why and how this had occurred. To my knowledge there should be nothing holding me back from getting employed based on what is in my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: IL

Complaint narrative:
Calls from XXXX XXXX at Allied Interstate phone number XXXX. I sent this firm a cease and desist letter on XXXX XXXX, XXXX. They did not comply with it as they started phoning me again on XXXX XXXX, XXXX about XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Someone claims I owe {$790.00} for a payday loan thru XXXX. I have not taken any payday loan from this company and this is the second time someone has reached out to me regarding a balance I owed over 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I received a voice message from a person calling herself XXXX XXXX stating that she was from a collection agency and she needed to speak to me. When I called back, the same day, she stated that I had an outstanding balance and she had been trying to contact me. She was very aggressive on the call, she raised her voice and over me for the majority of the phone call, she refused to send me anything in the mail ( stating that I was not in a position to tell her how to do her job ), and she stated that she tried to leave me voicemails but could not because my inbox was full, which is completely untrue. The phone call was so upsetting that I was shaking at the end of it. I had no idea what debt she was speaking about as I assumed that I had completed payment of my son 's medical bills in XXXX of 2014. I was able to speak the debtor, XXXX and found that there was XXXX unpaid bill and XXXX duplicate charge. At this time I have no choice but to work with XXXX XXXX because I do not have any documentation from Wakefield and Associates stating what I supposedly owe. I am also not inclined to call them and repeat the same type of aggressive situation again. It is my understanding the the collection agency must send documentation and they must not intimidate. I feel that Wakefield and Associates, specifically XXXX XXXX, are in violation of these regulations. I believe a recording of this conversation was recorded because there was a message at the beginning of my call that stated all calls are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY

Complaint narrative:
There is an amount of {$630.00} on my XXXX that shows on my credit report that i think is a mistake, it does not show on my XXXX report, i am not sure but it could be a XXXX bill that my insurance probably paid late but it was PAID. If it is, how do i dispute it or make it disappear from my report, there is no phone number for me to contact the collection agency or so. 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
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Hello. My complaint is with SLS XXXX XXXX XXXX, XXXX XXXX XXXX co, XXXXthey are servicing my loan, in which i am in the midst of loan modification. They are in the habit of waiting an hour before my trustee sale to notify me of missing documents. I had a trustee sale date set for XXXX XXXX, and up until XXXX XXXX i was told that my package was complete. i was following up with them every 2 hours to make sure i had a complete package and on XXXX XXXX, i was notified a document was missing and if i sent that document to them, they would postpone the trustee sale. I did send that document 10 times, they received it and told me they wre postponing the trustee sale. at XXXX XXXX on XXXX XXXX, one of their employees advised me that i was misinformed about postponign and the bank is proceeding with the trustee sale as planned. it was too late for me to take any action, even if i was to reinstate my acct, it was too late. I did a bankruptcy at XXXX XXXX that same day to postpone the trustee sale and schedule some kind of reppayment plan. the trustee sale was postponed bcuz of the bk and they started reviewing my loan modification it has been a month, no response, and i have trustee sale set on XXXX XXXX. i am asking them to postpone the sale since all the documents are in, and i am being reviewed. but they are not postponing. they are waiting as before to the last minute to deny me or advise me of documents missing. can you imagine, one whole month has passed and they are not doing anything with my file and waiting for the day of trustee sale to advise me of status. 
I am requesting for them to postpone the trustee sale since all documents are in and i am being reviewd. it is not fair for me to be notified of a denial decision the day before the trustee sale at XXXX XXXX. please review their procedures to see if they are within rules of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Never lived at address..for XXXX ... never went to that doctors office

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 2015-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA

Complaint narrative:
During my mortgage loan application for my house, the Loan Officer at XXXX, XXXX XXXX, promised me to get rid of a loan origination fee in the amount of {$2400.00}. I was rushed to sign all the loan documents and was told that she was going to go over all the details with me later. When I confronted her about the removal of the fee ( which she did not remove ) she said : " Oh shoot, I forgot.. do you want me to redo the whole loan? ". I was really XXXX at her and really mad because I was in a rush to move in to the house since I had already gave the 30 day notice to my previous landlord. I will never ever recommend XXXX to anyone, especially with this women.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
Our mortgage was sold to SLS in XXXX 2016 and our monthly mortgage is paid bi-weekly on an ongoing basis. In XXXX 2016 we were notified that our mortgage is past due, even through we were making regular partial payments that exceed the minimum monthly payment. We spoke to representatives at SLS in XXXX, XXXX, and multiple times in XXXX to resolve how payments were applied. Research done by a representative XXXX and determined that our partial payments were not held in suspense and applied to our monthly payment as was our understanding. It was determined that we had a total of XXXX monthly payments made in excess. Every representative that we spoke to, in excess of 7 times, opened a new ticket to get our XXXX surplus payments ( XXXX partial payments ) applied appropriately towards our excess payments. After every ticket is opened, SLS offers no call back for resolution and we have to call back in 3-5 business days to confirm. Every time we call back, a new ticket is opened for the file. We escalate the calls to management with no resolution, get transferred to Executive Services, all with no resolution.

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 2017-03-29 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
on two separate occasions a company identified itself as Wakefield & associates contacted my fiance and disclosed that i had a medial debt with them. They did properly verify who he was. I believe this is a violation of the FDCPA 3rd party disclosure laws and maybe even a Hippa violation. The calls were placed on XX/XX/2017 and XX/XX/2017. to pone # 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 2017-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
My mortgage was started originally with XXXX Bank and then XXXX Bank changed banking of mortgage and turned my paper work over to SLS ( Acct # XXXX ) I decided that i did not want to be with whom XXXX threw me to and chose to continue my mortgage for my home with XXXX XXXX ( Loan # : XXXX ). SLS gave me information that i had to pay monies in order to retrieve original documents from an attorney office called XXXX XXXX XXXX XXXX. I did all they requested and paid monies but SLS and the attorney has not forwarded the requested information over to XXXX XXXX and this is hindering me obtaining a closing date. This would be my second time going through this process and getting no where with SLS. Everything that XXXX XXXX of XXXX XXXX has asked and requested, i have given and except for this part of the transaction. I can go no further with XXXX XXXX unless SLS releases documents Underwriter is requesting from them. I feel as though they are trying to force me into staying with them and i do not want to. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX is very rude and never returns any calls. She told me it was out of her hands but it is SLS who they acquire paper work from and forward over to appropriate parties but it seems she has not a care. I am requesting help immediately to resolve this problem, as it has been going on for 2 years now. Any assistance would be gratefully appreciated.

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 2016-11-10 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
We used payday loan service XXXX years ago and paid off our remaining debt. Halsted financial services has called us XXXX yr later saying that we owe them money. We do n't owe them money or have we used payday loans for XXXX yr

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Student Aid (USA) Funds
State: AZ

Complaint narrative:
XXXX XXXX XXXX began calling my office in XXXX XXXX looking for someone with a name similar to mine. I informed them that I was not the person they were looking for. Subsequently, I had missed calls from them each month thereafter until XXXX XXXX, XXXX, when I again spoke to them. I again verified that I was not the person they were looking for, and verified that the birthdate and other personal information they had on file was not mine. I asked them to remove my work information from their records and cease any further attempts to contact me regarding this collection. 

On XXXX XXXX, they submitted an Order of Withholding from Earnings to my employer, claiming that I owed {$23000.00} for a default student loan. 

The debtor 's home address and social security number listed in the order are not mine. 

I wish to file a formal complaint against : XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation