vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX EXETER one has agreed to remove the unauthorized inquires from my XXXX report. I did not apply and have no credit with these people. 

EXETER XXXX/XXXX/XXXX my id is attached please verify my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My husband was working for XXXX for 10 years until XX/XX/2016 they closed all their camposes I tried keep your home California and I 've got approved they asked me for mortgage statement and because SLS refuse to send me monthly statement therefore I could n't provide them with proper document they could n't further help me and that was SLS Fault. 
Now the mortgage servicer sent me a foreclosure Notice.

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 2015-07-14 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: XOOM CORPORATION
State: IA

Complaint narrative:
Someone apparently got into our computer and was able to find out the passwords to our checking account and use the information to try to transfer money to someone else in XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC
State: PA

Complaint narrative:
This number calls my home every morning at exactly XXXX The caller id does not ID them and then they hang up. Research on the internet determined they are id scammers who call to collect very old and often non existent debt. Other than hang up phone calls I have had no other contact attempts made to me by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
Pinnacle Credit Services , LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX mailed me a fraudulent XXXX Tax Document which is bogus as I have never contracted with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ATG Credit, LLC
State: IL

Complaint narrative:
I was checking my credit report last night and noticed it had dropped XXXXpoints and there was a collection account listed. I looked at the collector 's name and called today. I informed them that I never received any type of communication regarding this debt. The man I spoke to who 's name is " XXXX '' told me they sent out notices to an unknown address. I related to him that I live at a different address. He then told me there was nothing I could do but send dispute letters to the credit bureaus. I told him they have hurt my stellar credit rating and I am in the process of buying home. He then told me the debt was for XXXX -- that is right XXXX. The agent then hung up on me. I called back to get his name and they put me on a very long hold and hung up. I called again and was finally able to get his name. I have sent them a debt validation letter and they have not responded to that request. I looked the company up on XXXX and they have the worst reputation. They are ATG Credit LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
I made my XXXX payment to Exeter Finance Corp by check and it was not credited to my account. I have faxed and emailed a copy of the check that cleared my bank weeks ago and they are still calling me 4 -5 times per day for the payment and are threatening to repossess my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANCO POPULAR DE PUERTO RICO

Complaint narrative:
The Debt Collection Agency contracted by Popular Auto in charge of the repossession of my vehicle is charging me a service charge fee consisting of {$300.00}. Local regulations promulgated by the Department of Consumer Affairs of XXXX XXXX, especifically prohibits this practice. For that matter said regulation establishes in Rule 17 ( a ) of Regulation 6451 of the Department of Consumers Affair of XXXX XXXX that the Debt Collection Agency is prohibited from " collecting or requiring the debtor to pay additional charges on the amount owed and the costs incurred by the collection agency in its normal collection management ... ''.

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 2017-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I was with a loan company SLS and was told that my XXXX months will be at the end of my loan. Then with out me being notify and many calls to them following my loan was transferred to other loan company. So with thatbeing said now I 'm dealing with new mortgage company with loan being behind and in process of forcloser. This not a good for any XXXX to go through. The thing is I called SLS every XXXX to XXXX days and every person said it was getting taking care of. I feel each persons know what was going on did n't shave to deal with what was pride. This is not good customer service at all.

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 2015-10-20 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:
I have asked this company on several occasions to provide any and all documentation of the debt that they think I owe and they have not done so. They simply say i owe the debt they need to provide a chain of documents linking me to the debt and verify that it is indeed a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
My XXXX XXXX mortgage was purchased by SLS Loan Servicing XXXX/XXXX/XXXX. I had only 6 months left on my Adjustable Rate Mortgage, set to balloon on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, SLS sent me a loan modification letter offering to extend my ARM for an additional 5 years under the same terms. Rather than applying to another bank to refinance, my husband and I signed the document and returned it to them to extend our loan for 5 more years. We both have excellent credit and have always made our payments on time, so this did not seem unusual that they wanted to keep us as their customers. Well, about 7 months later ( XXXX XXXX ), SLS out of the blue sent my mortgage payment back saying that our balloon was due in full and they were only going to accept full payment of our loan. ( This is after accepting our monthly payments for 5 months after our balloon was due with no correspondence from them at all saying anything was wrong! ) I have been on the phone with them at least 25 times since trying to rectify this situation to no avail. One person actually told me on the phone that the modification/extension letter was sent to me in error. ( what?! ) Another told me that they did n't receive it, this after I mailed it, and faxed it to them twice. Bottom line at this point is that they will not honor it. SLS is now negatively affecting our credit score saying we are behind on our mortgage, and no bank will even talk to us to refinance so I can pay them off and be done with them, since my credit report shows missing payments to them. They are trying to get me to fill out a loan application to start over with them, that says I need modified payments - as if I am in financial trouble. My husband and I do not need modified payments. We can afford our mortgage without their help. I am afraid to fill out anything for them at this point because they do not seem to be on the up and up on anything. When I google the SLS name, XXXX complaints come up all over the internet against them. I do not know where to turn at this point. Each day my credit score goes down ( we were in the high XXXX 's prior to this ). I can not believe in this day and age that a company can get away with something like this. Help!

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 2015-09-26 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Macy 's credit card website is designed to confuse its credit holder. I enrolled paperless statement, but the website does n't offer download monthly statement in PDF file. It is extremely difficult to read Macys ' credit card statement in an excel format. I have asked the electronic PDF statement, but no avail. I had to unenroll paperless, and wait for the us mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Malcolm S. Gerald and Associates, Inc.
State: GA

Complaint narrative:
I have been contacted on numerous occasions by the company who is trying to collect a debt that is XXXX years ol and beyond the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fenton & McGarvey Law Firm, P.S.C.
State: CO

Complaint narrative:
I originally obtained a loan through XXXX for a XXXX on my home. I went into collections and my loan was given to the law office of XXXX XX/XX/XXXX. I have been making payments to Farrell & Seldin for years and within the last few years, they changed to Fenton & McGarvey. XXXX was bought out by XXXX and I have been communicating with them but it is short as they tell me the law firm handles everything. My husbands name and mine are on the original loan with XXXX and XXXX however, only my name is on the loan with XXXX/XXXX XXXX XXXX. Every month we make a payment we ask for a breakdown of all that has been paid and all that has been charged along with details ... we still have not received this and the law office keeps telling me that my husband is not on the loan ... it is a second on our home, he has to be. On XX/XX/XXXX I had a detailed half an hour conversation with XXXX at the law office and I stated that it is my right to receive a complete breakdown of my payments and charges. I requested this again on XX/XX/XXXX ( when I made my payment ) and I still have not received what I have asked for. Each month, I get a verbal amount that is different than my calculations ( and I verified with XXXX that my payments are all going to principal ). XX/XX/XXXX, my husband was able to get a verbal figure from XXXX ( at the law office ) and at that time it was {$2800.00}. I make a XXXX dollar payment every month and have for years and as of my last payment, I still owed just under XXXX dollars ( XXXX ). I do not want to give them any more money until I have the complete history from them on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Halsted Financial Services, LLC.
State: IA

Complaint narrative:
halsted financial services, keeps calling XXXX to XXXX times a day attempting to collect a debt, but i have not receive any mail about it, i refuse to give my ssn or any other information over the phone with the till i receive something by us postal service. i would like the calls to stop and my name and information removed from there system, and if they have affected my credit i would like that removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: PARSON BISHOP SERVICES, INC
State: TX

Complaint narrative:
My fraternity dues ' debt was sent to Parson Bishop for collection, though the amount they are stating is incorrect. They are saying I owe {$650.00} when I have an e-mail from the original creditor stating I only owe {$290.00} for the XX/XX/XXXX semester. They are charging me an additional semester ( XX/XX/XXXX ) for which I was already terminated and did not take any part of. My debt was recently reported on my credit and dropped my score over XXXX points. I was unable to pay before because of my low income, but have recently deferred my student loans while I get my XXXX, and plan to use those funds to pay off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I submitted a complaint on XX/XX/XXXX case number ( XXXX ) in which Banco Popular answered to XXXX CFPB saying that they tried to reach me on several ocasions which is a lie. I called like they instructed me before XX/XX/XXXX in which XXXX XXXX XXXX who is encharge of my loss mitigation process told me to wait for his call that we were going to be signing the documents at the begining of XXXX. Banco Popular has never contacted me. I was contacted by XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to be exact in concern with the loan modification papers because she is the loan officer from XXXX and havent received the loan modification papers. Now the Court wants to remove me and my family from my house. I want CFPB to not accept any explanation from Banco Popular. Get from Banco Popular The name of the Manger of the bank and tell CFPB a date when I am suppose to be at the Banco Popular. For me to get a contact number in CFPB for that same date for me to call. Banco Popular hasnt allow me to keep on making my monthly payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
I talked to lady that was inconsidrate and had no empathy what so over. I asked she transfer me to someone hire than her which was XXXX I did inform him that I have a prepaid card and that 's how I pay my bills. He start talking loud over me asking me did I spend my whole check and I wont have money for XXXX weeks how would I get to work and gas things of that sort. He was getting to into my personal expensive and also told me I see how the other young lady and I went left. He was really rude to be a supervisor. I feel long as I had a card on file and the day that I informed him the money could be withdrawal from my card should have been fine. XXXX XXXX people

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I received an email from Fedloan Servicing that I needed to re certify. I tried to complete online and could n't so then I had to call to get the info sent. After I received the forms, I opened a chat window to get the fax number and was told by a customer service rep that I was sending the info to the wrong place. I mentioned that the emails and were from their website that asked me to fill it out, but did not receive any additional information from her, she just closed the conversation. So I have faxed very personal financial information WITH my SOCIAL SECURITY NUMBER VISIBLY listed to 3 different companies because in the meantime I received another email stating that my payments were going up because I did n't do the paperwork that they said I should n't have sent to them. FINALLY today I called after being locked out of my account and just asked if the paperwork had been received and was told yeah, we have it but it takes some time to process. STOP GIVING CUSTOMERS THE RUN AROUND. This has impact on our financial well being. I want to have 1 loan servicer, that does not change every 6 months making me fill out constant paperwork and continually threatening me with wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
refused loan payment, misinformation trying to charge me to make a payment

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 2016-04-29 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS ( also known as Specialized Loan Servicing , LLC ) is illegally billing me for a loan from XX/XX/XXXX which is over 9 years ago and it was forgiven in the loan modification of XX/XX/XXXX. 
1 ) I am attaching the latest Mortgage Statement dated XXXX/XXXX/XXXX that I received from SLS. This company must be stopped from falsely trying to collect on a debt that does not exist. 

2 ) The Deed of Trusts ( attached ) are dated XXXX/XXXX/XXXX for the XXXX mortgage of {$440000.00} with XXXX XXXX XXXX XXXX XXXX and the XXXX mortgage of {$55000.00} with XXXX XXXX XXXX XXXX XXXX. The loan servicing company was XXXX. 

3 ) A loan modification ( attached ) was processed in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX which states in the XXXX paragraph of the Loan Modification Agreement shows the XXXX dated XXXX/XXXX/XXXX and XXXX dated XXXX/XXXX/XXXX are included in the modification : a. This Loan Modification Agreement ( " Agreement '' ), effective on the date set forth below, between ( myself ), ( the " Borrower ( s ) '' ) and XXXX XXXX XXXX, XXXX. ( " Lender ) amends and supplements ( 1 ) the Mortgage, Deed of Trust, or Deed to Secure Debt ( the " Security Instrument '' ), dated the 02 day of XXXX, XXXX and in the amount of {$440000.00}, and ( 2 ) the Note bearing the same date as, and secured by, the Security Instrument ( the " Note '' ) which covers the real and personal property described in the Security Instrument and defined therein as in the " Property '', located at ( address ). 

4 ) I am attaching the Case No. XXXX where the FTC vs. XXXX and XXXX. 

5 ) I am attaching the Housing and Urban Development Final Civil Action dated XXXX XXXX, XXXX ; XXXX XXXX XXXX Settled Alleged Violations of the False Claims Act by XXXX XXXX XXXX , XXXX. 

Cc : XXXX XXXX XXXX ( Local Counsel ) XXXXXXXXXXXX California Bar No. XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, CA XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorney for XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXXXXXXXXXX Federal Trade Commission XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : ( XXXX ) XXXX ( XXXX ) ; ( XXXX ) XXXX ( XXXX ) XXXX : ( 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 2016-11-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
SLS - XXXX XXXX XXXX. - XXXX XXXX - XXXX XXXX, CO XXXX - This has been my mortgage processor for years. On XXXX XXXX I received a notice from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX MI ) stating our loan had been purchased and my XXXX XXXX payment was due to them. I had never heard of them! I complied. Yet SLS took did the automatic ACH payment too. -- Then, on XXXX XXXX I received ( 1 ) a letter from SLS stating they would deduct my mortgage payment on XXXX too ; AND ( 2 ) a letter giving me a notice of balloon payment due to SLS. SLS has no answers for me and will not confirm in writing that the loan has been transferred and that they will not deduct the XXXX payment and that the balloon payment is actually due to the new processor.

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