vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS is attempting to extort me of additional fees ( Escrow/Impound Advance Balance, ) if I choose to payoff the loan ( see attached payoff statement ) .that was sold by XXXX to SLS unbeknownst to me until Monday XXXX XXXX, 2015. Attached is the purposely bogus erroneous welcome letter that I NEVER received from SLS due to their ineptness and incorrect mailing address on it. In making the purchase they should have gotten my mailing address correct and properly address me as a NEW client!!! with all this unknowingly to me taking place, they have pretended to claim that I was paying taxes, and insurance through a impound account with XXXX which I was NOT. attached are the last XXXX monthly payments that I paid to XXXX on the mortgage that SLS bought, and NOT XXXX of them included ANY impound account for taxes, and insurance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 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: Monterey Financial Services LLC
State: NC

Complaint narrative:
In XXXX XXXX I purchased a XXXX vacuum cleaner from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. They got it financed through Monterey Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX at 22 % interest, 36 months paying XXXX a month. I have made XXXX payments so far. In XXXX I went on line to make a payment using my credit card because I had n't worked all summer and I knew my bank account would be short. I did n't want a late fee so I payed it on the due date XXXX/XXXX/XXXX, but the payment on line was XXXX. I submitted the pay then called to let them know I had paid it. I was told by XXXX that I would still have to pay a return check fee of {$25.00} because they had processed for the check to come out of my account and it would be returned as insufficient funds. She told me the XXXX was to cover the online fee of XXXX and the payment of XXXX ( my payment ). I said why the extra XXXX. XXXX. She said she could take that as part of the XXXX rcf, and she would attach the balance of XXXX to my next auto draft. I said fine. My XXXX Payment was XXXX. The XXXX was satisfied. Today I got a call saying I still owed {$8.00} + change, and they were calling to collect a debt. I explained that I did n't owe anything other than my regular payment. They told me I owed processing fees and the rest of the {$25.00} fee. They told me I payed by phone which is {$15.00} not on line like I actually did. Plus there was nothing on the website that indicated a fee to pay online. I paid this bill to avoid the {$99.00} payment when you are late. This happened to me once when I was a day or XXXX late a nd I thought it was excessive so I did n't want this to happen again. When I said I refused to pay it because I paid the fee, XXXX the supervisor told me she would wave the XXXX dollars but I would still have to pay {$3.00} with a {$15.00} processing fee because the penalty for them not collecting the money directly from my bank account totalled {$99.00}. Regardless the figures just did n't add up. I am disgust ed with them. They are charging and over charging because at the time of purchase my credit was not good. I feel I 'm being robbed and cheated. I want to pay for this product but not with such harsh penalties and high interest. I am retired but still working to keep up my responsibilities. These people are crooks. Total cost of product {$1500.00}. But I still have over a thousand to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I was contacted several times by Caine & Weiner attempting to collect {$210.00} payment for the XXXX 2016 XXXX XXXX XXXX. I was told by the people calling from that office that the payment was to be paid in full and that was all that was said to me. I have explained to them during every call about the situation and that e that I had made several attempts requesting the last month to be cancelled of my auto insurance through them and had went to a different insurance company due to XXXX Agents failing to return my phone calls to them several times inquiring about my policy and ignoring then my cancellation requests. That 's very poor customer service and job performance. I still have yet to receive any information from Caine & Weiner about who they are, where they 're located, any information on how to dispute this claim. Also I have not received anything from XXXX XXXX XXXX, not a bill, not a phone call. The only reason I found out I was put in collections was from a notification from XXXX XXXX. I would like help on this matter if possible. Thank you for you time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: West Coast Servicing, Inc.
State: MI

Complaint narrative:
Mortgage was approved for 2MP program in conjunction with my current and in good standing HAMP modified primary mortgage. Instead, the bank sold loan without any notification to borrorlwer while the loan was supposed to be in the process of modification. As per HUD 2MP program. Loan was " lost '' for two years with no communication even attempted with the borrower during that time. Borrower did escrow modified payments on her own, believing that the loan was being modified as was promised by lender. Loan re-surfaced 36 months late with a new servicer who had made no communication attempts with the borrower, already in foreclosure with a sheriffs sale scheduled. Please help. This is our home and where we are raising our children. please help us get what HUD already assured us was in the process of being done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nations Recovery Center
State: GA

Complaint narrative:
Called me on my cell phone at work. Told me that his client had identified a debt under my name and social and he was calling to collect. He asked me to give him my social security number to confirm. I refused to give him my social. He gave me XXXX digits and asked if it was the last XXXX digits of my social. 

I told him that it was not my debt and that he should not be calling me during working hours. He hung up on me.

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 2017-03-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
i 'm XXXX have XXXX and state insurance.it 's not my fault if they do n't do the paperwork right and submitted to my insurance.sometimes my insurance wo n't approve different test i need so my doctor has to get me pre-approved to have any test done.XXXX my primary insurance they cover XXXX and the state pick up the rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KAHRS LAW OFFICES, PA
State: KS

Complaint narrative:
I disputed the claimed debt of {$1100.00} to Kahrs Law Offices, P.A. on XX/XX/XXXX by informing them that I do n't owe this money. On XX/XX/XXXX, they sent verification claiming that it is valid debt that is past due ; however, this is a time-barred debt because written contracts in the state of KS is five years, and with XXXX, this goes back to XX/XX/XXXX. In other words, this exceeds the statute of limitations for the state of KS ; therefore, I do n't owe this money they are claiming, and I want all collection practices to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Plus Inc
State: VT

Complaint narrative:
I have a fraudulent hard inquiry on my XXXX credit report from a company called Credit Plus. I disputed this inquiry directly with the company and recieved documentation, see attached, stating that they have no knowledge of this inquiry either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 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: NY

Complaint narrative:
This number XXXX calls several times a day, tell me the call is being recorded and that I owe money for a parking ticket. I tell them I do n't owe anything and will not pay and to stop calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 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: RMS-Recovery Management Services, Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, I am currently attempting to ensure that my credit report has accurate information. I have contacted Recovery Management Services and asked for documentation of this debt. I was told by Representative, XXXX XXXX that if I wanted documentation I would have to dispute it with the credit bureau and that they would respond to them. He stated that it should not be on my credit report, but refused to give me documentation. I attempted to explain to XXXX XXXX that as a consumer I have a right to ask for documentation. He became irritated stating that I was listening and hung up on me. When dealing with the Credit bureau it is always best to have documentation to ensure that the correct information is shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 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: KY

Complaint narrative:
In XXXX 2015, I received a notice from a company named XXXX XXXX , XXXX stating that I owed a debt to XXXX. I called this company and also XXXX and reported that I do not owe this debt as I had never sold anything on XXXX. I also reported this to the local police as a case of potential stolen identity. In XXXX I received an email from XXXX claiming they were reviewing this claim. 
On XXXX XXXX, 2015 I received a letter from another company named Allied Interstate LLC claiming I still owed XXXX a debt. Apparently XXXX allowed someone to link to my account without proper verification and now wants me to pay for their incompetence. 
I have already spent a great deal of my time attempting to resolve this issue. With my personal time and cost of consulting my attorney, this has cost me over XXXX times the amount that is claimed that I owe ( {$89.00} ). 
This has become quite an ordeal as well as generating a great deal of stress on me and my family. I am physically ill and I am concerned that this will adversely affect my excellent credit score ( + XXXX ) that I have spent a lifetime maintaining. 
I have attempted to describe this situation as briefly as possible. I have spoken with the debt collector, XXXX and XXXX. I have also spent time making police reports, consulting with an attorney and responding to emails from XXXX. I believe that they are purposefully attempting to " beat me into the ground '' in their attempt to collect a debt that is not mine. I have also spent time researching this and discovered that anyone can link to your XXXX account without appropriate identification. I am shocked that a company such as this operates in this manner. They also do not cooperate with police agencies as they have thrown many bureaucratic hurdles in front of the investigating officer. 
Thank you for reviewing this complaint. I believe it is a microcosm of a much larger and systematic pattern of illegal practices by XXXX. Most people probably pay rather than deal with this abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: IQOR US INC
State: CT

Complaint narrative:
I was scammed on my XXXX credit card by someone I met on line at a dating site called XXXX. I have sent all this information to XXXX Credit Card and they will not forgive the amount of money I was scammed. I live only on Social Security and can barely make ends meet. XXXX has been harassing me for this money and they have turned me over to a debt collection agency. I have reported this to my local police department, Internet Crime Complaint Center, the Federal Trade Commission, And now to you the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I called today XXXX/XXXX/2015 to American Honda Financial Services to discuss the account and resolve a situation that we are encountering with the monthly payments due to my medical situation I got behind. My daughters have been helping me with the medical issues and now helping me financially since I am XXXX. Today my oldest daughter called American Honda Financial and they wanted to speak to me so I can authorize my child to speak to them. My daughter called we was on a XXXX way called and I gave more than XXXX times autorization to American Honda Financial to speak to my daughter on my behalf. The lady that was on the other phone refused to accept my authorization to the point she was attacking me and pushing me to speak to her about my account She wanted to get my daughter of the phone and called me direct which I do n't know the number I have my daughters and I dont know it by memory. My daughter called the main number once again to report the situation to the coorporate office and they refused to transfer her with me on the line. I felt threatened and discriminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Servatus Corporation
State: CA

Complaint narrative:
With no notification, as is required by the FCRA and FDCPA, and 2 years after being filed as a charge off ( in full, without " sold to another lender '' status ), I had a collector contact me, AFTER reporting me to all XXXX credit beureaus. When I told them the request was illegal, that they had no proof of standing, and that I wanted the matter dismissed, I was threatened with a lawsuit. The company in question is Credit Solutions Corp. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AES/PHEAA
State: CT

Complaint narrative:
They continue to report that my loans are delinquent when I consolidated my loans and I am currently in school so I am not supposed to pay due to an in-school deferment. They refuse to remove item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: SC

Complaint narrative:
I submitted my corrected application for Repaye income based repayment to FedLoan Servicing on XX/XX/XXXX. In XXXX I paid my bill. In XXXX they said to wait for the IBR application to process and they were going to switch me to forbearance for a month but had to pay {$5.00}. On XX/XX/XXXX they cashed my check for {$5.00}. In XXXX, I called and they said they forgot to apply the {$5.00} to the account so keep waiting for the XXXX bill which will be the Repaye amount. Today, XX/XX/XXXX, I call and they said that my account is past due and that my application is expired because its over 90 days old. They offered to put me on forbearance for 12 months and told me I have to reapply for IBR because they cant process my application. Its now too old. Today is the first time I heard that the application is not being processed due to it being too old. 

Also none of the representatives that I spoke to in XXXX or XXXX told me that the application was too old and that I needed to reapply. They kept telling me to wait until the Repaye bill was sent in XXXX and to not pay the standard repayment plan. That the {$5.00} forbearance payment was supposed to cover that until the Repaye kicked in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Credit Karma, LLC
State: MD

Complaint narrative:
I just checked my credit report today on credit karma and i have a new loan that appeared on my credit report " XXXX XXXX XXXX for XXXX ''. The message said as of XXXX 2016 this has been added. I am confused as to why this is a new account added on my credit report

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 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: FL

Complaint narrative:
I have been trying to apply for the Revised Pay as You Earn plan for almost two years now and continue to be denied for the program and suggested to submit the application in another manner every time that I have spoke with them. I have had a processor assisting me with completing the application pursuant to the information that has been provided by the many representatives at Fedloan Servicing. Every time I 've spoke to them, they illustrate a different way to complete the application. My loans are a spousal consolidation and thus require that I submit my ex-spouses information- of which she has complied with as well. My application was finally approved back in XXXX of 2016 and then was arbitrarily placed back into the standard payment with the claim that there was missing information. I have since escalated the file and submitted another application that two months later still has not processed. I have been told that my file has been escalated and should have resolved within 3-5 days- yet here we are 3 months later with a mandatory student loan debt burden forbearance on my file because I have not been able to pay back my loans in over two years. I have submitted all of the requested documents exactly as described to Fedloan servicing. My file has been pending to be place in the revised pay as you earn plan for almost two years. Fedloan servicing has made me jump through hoops in order to obtain a repayment plan that they have told me I qualify for. It 's very frustrating that it has taken this long for my application to process and the representatives do n't understand why. I understand that spousal consolidations are a tough task to handle, but I have complied with all of their request and would like to start paying back my loans instead of drawing this out any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
In XXXX XXXX, I cancelled my registration for an event/conference. When I registered for the event in XXXX, I paid using my business debit card. At the end of XXXX, I closed my business and my business bank accounts at SunTrust Bank, and filed my final business tax return. The event vendor refused to refund my registration fee in any way other than crediting the card I 'd used when I registered. SunTrust accepted the refund, even though the account was closed. SunTrust has issued a check payable to my former company and refuses to cash it for me and the other former owner of the former business. The only option they have given us is to open a new business account in the same name ; again, that business no longer exists and the final tax return has been filed.

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 non-monetary relief
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust statement that the note was sold to XXXX in XXXX - Maybe correct that Suntrust received payment for this mortgage note but the whereabout of the note is UNKNOW. 
The statement that XXXX is an INVESTOR is false- Attached XXXX XXXX letter stating that they have a lien on the property because XXXX Bank is an investor and that the NOTE was assigned to XXXX in XXXX is false. 

XXXX Bank America 's is only the trustee - for documents for an individual investor. 
They are not the owner of the NOTE. 
XXXX assigned the note to XXXX XXXX in XXXX and conveyed the interest under the mortgage to a four years prior closed trust and already bankrupt since XXXX XXXX XXXX. 
Suntrust is NOT a note holder, XXXX is NOT a Note Holder and XXXX Bank is only the Trustee - which would not have documents for an already bankrupt investor. 

The Original Note is requested for viewing and the exact location is requested. 
SunTrust can not service a mortgage on behalf of a bankrupt investor. 
XXXX also NOT an investor or a NOTE holder can not have a lien on a property. 
And XXXX Bank Americas Trust ( which only holds documents in trust for the investor ) is NOT entitled to collect on behalf of a bankrupt investor. 
Who is the owner of this mortgage remains the question. Attached XXXX assignment to XXXX in XXXX ( not XXXX ) and to XXXX XXXX NOT XXXX XXXX as stated by XXXX. A bankrupt trust can not originate a loan. A mortgage and note can not be conveyed 4 years after the trust closed, especially not to bankrupt trust.

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