vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I believe my husband and me are the victims of predatory lending. We purchased a home in XXXX XXXX from XXXX Loans. Later we found out through the news that XXXX was practicing some unfair lending. Our loan was transferred to XXXX XXXX XXXX. Our payments increased from {$3000.00} to {$4100.00}. We received a loan modification in XXXX and payments went to {$2200.00} which was manageable. In XXXX XXXX XXXX XXXX XXXX transferred our mortgage to SLS - Specialized Loan Service. Our loan has increased again to {$2700.00}. We can not afford this amount. I called SLS and asked what options we have. The person I spoke to me told me foreclosure or deed in lieu. I asked about relocation expenses if we took the option of deed in lieu and was told the lender does not offer that and the federal program that offered that ended XXXX XXXX, XXXX. So now owe have a house we paid {$390000.00} in XXXX worth only {$260000.00} in XXXX and we owe {$300000.00} and if we move we will have nothing to show for the {$89000.00} we invested in the house. I was also told that there was no equity in the house. 
I would like to know if XXXX was sued, was there a settlement and were we included in the settlement since I seem to be getting nowhere with SLS. They keep referring me back to XXXX XXXX XXXX and XXXX keeps sending me back to SLS with the explanation that they no longer own the account. I believe someone has an answer for us somewhere. We are senior citizens with medical conditions. We are just trying to live and we can not afford a {$3000.00} a month mortgage on a home that is underwater, pay bills, and buy medicine. 
We need answers. Can someone please review our initial mortgage?

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 2016-10-03 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Student Aid (USA) Funds
State: FL

Complaint narrative:
case : XXXX XXXX XXXX XXXX vs. XXXX XXXX XXXX USA Funds , first step : mailed out verification letter to XXXX XXXX XXXX XXXX XXXX, XXXX, in which communication was only thru mail.At the same time I received in mail correspondence from USA Funds stating need more proof and a police report. I had XXXX XXXX XXXX only come to court for a pending lawsuit XXXX/XXXX/XXXX, and proof of actual account due to fact they had called me on phone in XXXX and did n't provide proof of signature and actual agreement in mail within 30 days.Case was seen by a judge and lawsuit was agreed to be dropped by me based on them stating they will not report accounts due to not having agreement with me showing a valid signature plus being a collection agency with no agreement by me and their office on XXXX XXXX. The DEFENDANTS ATTORNEY showed me documents with an itemized loan from USA FUNDS XXXX/XXXX/XXXX with XXXX accounts.As of now on my credit report it shows XXXX accounts USA FUNDS opened on XXXX/XXXX/XXXX. I am not in college or have attended.

Company response to consumer: Closed
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
My husband passed away unexpectedly on XXXX XXXX, 2016, at this time I lost his social security XXXX income, so I 'm struggling to make my monthly mortgage payments. I wanted to modify my mortgage so my son and I can stay in our home. I have sent the required documentation several times to the mortgage company, and they keep sending me paperwork saying they still need a XXXX tax form, which I have now sent in 4 times. Today in the mail I received a letter stating they did n't evaluate my modification because they did n't receive the required documents. When I called to speak to someone, they said I first started this process XX/XX/2016 since it 's now XXXX 2016 I would have to start the process all over because it 's been longer than 30 days. I 'm grieving the loss of my husband trying to keep something stable for my son with everything he 's lost this year, and Specialized Loan servicing is trying to make things harder. I want to keep my house, it just would really help out a lot if my house payments were n't so high.

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 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus Equifax, Transunion and Experian requesting them to close an investigation for disputed items on my credit. I requested them to remove the " DISPUTE REMARKS '' from my credit report since the investigation has taken over 90 days. 

I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Student Aid (USA) Funds
State: IL

Complaint narrative:
I sent a letter to USA FUNDS letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and USA FUNDS refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. USA FUNDS provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. Below is the account information USA Funds needs to delete. 
Account Name U S A FUNDS Account # XXXX Account Name U S A FUNDS Account # XXXX

Company response to consumer: Closed
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
My husband and I have recently successfully completed our chapter XXXX bankruptcy. During the bankruptcy the company demanded large payments throughout the entire year of XXXX of a total sum of around {$44000.00} that has not been accounted for. Toward the end of our bankruptcy we received letters from the mortgage company who took over or bought or loan stating our current mortgage, escrow was substantially increased and they demanded payment and recently we received a certified letter dated XXXX XXXX, XXXX, that they have not received most of our payments for XXXX and a ( Notice of Default and Notice of Intent to Foreclose ) on our property. Our bankruptcy attorney reached out to the company and so did I, but the company would not return or respond to our concerns or answer any of our questions. The company is asking for a sum of {$13000.00} which continually fluctuate. The company also said they did not know of our chapter XXXX had been discharged, but a CERTIFICATE OF NOTICE was also sent to their location. I have a letter that I 'm going to forward to their office which their office would prefer me to fax. I asked if they had a physical address and the reply was no they are a call center. I have supporting documents to validate that their accounting is not accurate. My loan is a conventional fixed loan, so I do n't understand the increased amounts of our monthly payments ; increased principal balance we owe ; increased escrow account ; the company is refusing to accept conforming payments an imposing unreasonable charges, fees and other charges I do n't feel we are legally obligated too. Please investigate this case I will forward the supporting documents I have. 
Sincerely,

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 2017-02-25 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: STATE FARM BANK, FSB
State: MN

Complaint narrative:
I had a credit card account with State Farm. In XXXX of XXXX I paid off the amount that was due in full. I then phoned them to close my account and to confirm that I did not owe any more money. At no time did they advise me to get a pay off amount or to check back with them about possible further charges. I requested and received a letter saying that my account was closed. I heard no more from them, received no letters, emails or calls until today ( XX/XX/XXXX, 3 months after closing the account ), when I was phoned saying that I owed residual interest for 3 months! I kept asking to talk to someone higher up. Finally I got to speak to an individual named XXXX, who said that they would review the situation. When I said that I thought it was outrageous that at the time of closing my account and paying the balance in full, I was not advised that there might be further charges and I was not contacted for 3 months in any way while those charges accrued, XXXX proceeded to interrupt me and not let me speak. When I asked her to not to be so rude and let me finish my thought, she hung up on me. Not only do I believe I 've been scammed, but they were also rude to me about it! In a nutshell, should n't credit card companies inform you that you may accrue extra interest charges when you close your account and pay in full and secondly that they should contact you, at least monthly, to inform you that you owe them money, and not wait 3 months while interest accrues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Eastpoint Recovery Group, Inc
State: NH

Complaint narrative:
Representative from this agency called my mother threatened to take legal action against me if I didn't call to make arrangements to pay off debt when I kept explaining I was out of work at that moment. I explained I'll be more than happy to make payment plan but I needed time to find a job. The representative kept pushing and tried to involve my family to help me pay off this debt. I finally agreed to a payment plan and she kept threatening to take legal action for a payment I wasn't able to make on time and repeating office getting fee for returned payment. I made them aware of my financial situation but they insisted on having me enroll in a payment plan when I was out-of-work. I'm very disgusted by their intimidation tactics. I'm not refusing to pay. I'm doing my best to catch up with my financial situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
Caine and Weiner claim I owe XXXX for a Progressive policy that was paid via money order, the amount is also incorrect. I do not have a copy of money order to provide as it was paid well over a month ago. I believe the amount paid was in the XXXX range, not sure. I do not know how they come to an amount of XXXX. A complaint was submitted prior, they agreed to stop collection efforts, however, they just sent me another notice requesting the previously mentioned amount and have threatened to place it on credit report. Please advise them they will not see a dime on this policy as I have already sent a payment to XXXX directly, the amount was much lower, in XXXX range.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMERICAN HONDA FINANCE CORP
State: AL

Complaint narrative:
Fair debt collection practices act violations:1. Debt collectors are not permitted to ask a consumer to pay more than they proportionally owe [ 15 USC-1692c ] 807 ( 2 ) ( a ). By failing to validate the debt, the debt collectors are doing exactly that. By failing to provide a CERTIFIED STATEMENT OF ACCOUNTING as required under the Uniform Commercial Code Article XXXX. 
2. Sending a paper known as a financial statement that is not signed and or certified DOES NOT constitute as a valid certified statement of accounting [ 15 USC-1692g ] 809 ( b ) and violates the rights of the consumer or borrower. 
3. The debt collectors have added on extra fees that were never provided to the consumer or borrower and is in violation of the FAIR DEBT PRACTICES ACT [ 15 USC-1692F ] 808 ( I ). Because an accurate certified STATEMENT OF ACCOUNTING has yet to be provided, the actual amount purportedly owed is misrepresented and violates the rights and entitlements of the consumer and or borrower. 
4. The purported debt collectors and or financial institution have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in [ 15 USC-1692d ] 806. Their language and conduct violate the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and BUSINESS ETIQUETTE. 
5. The financial institution and or debt collectors are threatening to take property that is not theirs to take. This is a violation of the FAIR DEBT COLLECTION PRACTICES ACT [ 15 USC-1692e ] 807. 
6. Debt collectors are prohibited and or forbidden to report a purported debt to anyone once they have been told to cease and desist all debt collection activities by the consumer and or their representative ( s ) [ 15 USC-1692e ] 805 ( b ) because the debt has yet to be validated or verified, reporting to the several different credit agencies is a violation of federal law. 
7. After receiving notice to cease and desist all communication until the debt has been validated and verified the financial institutions and or debt collectors have violated federal law [ 15 USC-1692c ] 805 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I was called at all hours of day & night Some calls at XXXX. Some at XXXX XXXX all west cost time. With them telling me I will go to jail with the warrant. They call friends & family telling them the same thing. Harassing friends and family. Contacting credit reporting agencies several times a week. Report to my credit report five times a week in some cases. Lowering my credit score from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This debt is from a XXXX office which has changed ownership and can not verify the date of XXXX services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Honda is reporting my account to the credit bureaus as a current charge off with a 30 day late payment in XXXX 2009. This is not accurate and needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I wrote this agency XX/XX/XXXX with complaints against Ocwen Loan Servicing. They responded at that time with assistance. Since that time their costumer service toward me and my family has decreased significantly. Today XX/XX/XXXX I checked my credit report and found my credit score has decreased XXXX points in the ast month due to reporting of Ocwen. At this time I am requesting they cease faulty reporting of payments. I contacted them XX/XX/XXXX to request a change in the payment date of the loan but they refused. Ocwen has continued to provide poor servicing of this loan since they received in in the bankruptcy of GMAC. It is unfair to have your credit screwed up by these incompetent individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
Upon the expiration of my lease I applied for a car loan from Honda Finance. There were special financing offers including a .9 % which I desired. The agreed purchase price was {$16000.00} which is the requested financing. I had made thirty six timely payments on my lease with Honda but was turned down for financing. I received a letter stating the reason as " AHFC must verify information '' I believe the abbreviation is American Honda Finance Corp. I believe I was denied a loan because I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I banked with Ally Bank from XXXX until XXXX XXXX, XXXX the bank made the decision to close my checking account due to them allowing someone to transfer money from my account to another account. They reimbursed the funds to my account but now they are giving me the run around about my refund for the closing balance. I hhave been communicating with a XXXX XXXX who has told lies to me and her supervisor XXXX who has taken her word to be true my account was closed in early XXXX I was sent an email as notification and told on XXXX XXXX, XXXX the check for my remaining balance has been mailed I then ask to what address nd then informed it was mailed to my previous address to an address I had moved away from 6 months prior so the check was returned by the resident currently living at XXXX XXXX XXXX XXXX, XXXX but before that I informed XXXX that I was moving and when the check was returned if it could be sent to my new address XXXX XXXX XXXX at that point she required me to email her a copy of my lease which I reluctantly did since I was evicted from my previous address due to all the fraud which was allowed to my account she informed me that on XXXX XXXX the check was returned to the back after I had wait per her instructions not to call back until XXXX XXXX which I call back on XXXX XXXX I am bein given the run around and about to be evicted a second time I am a XXXX vet and do not have the income to be going thru this XXXX money all I want is to get my money and I am done if they continue I want have an address to send it to I will be on the street

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A letter written by XXXX XXXX, the creditor, dated XX/XX/XXXX, was sent to all credit reporting agencies advising them to change our credit history for them from " negative '' to " positive! '' Yet, my XX/XX/XXXX Credit Report by TransUnion is still reporting the account as " negative! '' No other credit reporting agency is reporting XXXX XXXX negatively ; they corrected the status in XXXX, as stated in the letter from XXXX XXXX! 

I went online to dispute this erroneous information XXXX XXXX and XX/XX/XXXX ; I sent the support documents XX/XX/XXXX XXXX XXXX Mail via " Certificate of Mailing. '' I called TransUnion today, XX/XX/XXXX, and spoke with XXXX initially, then I spoke with her supervisor, XXXX. He admitted receiving and looking at the support documents I submitted, yet he refused to change the status from " negative '' to " positive '' per the creditor 's instructions in the letter! The other XXXX credit reporting agencies XXXX XXXX, XXXX, XXXX XXXX had this information changed in XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I was reviewing my most recent " TransUnion '' credit report when I noticed that it had incorrectly reported that I had at one time lived at : " XXXX XXXX XXXX ; XXXX, California ; XXXX. '' I have NEVER physically nor legally lived at that address. When I called up " TransUnion '' to please " delete '' this Identity Theft false notation off my " TransUnion '' credit report, they completely refused to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to file a complaint against TransUnion for not following the rules of the FCRA, specifically section 611 ( 5 ) ( A ). Here are the details which my complaint is based upon. Last year I noticed that TransUnion was reporting items on my credit report which I did not recognize, or have any previous knowledge of. I notified them ( see attachment " TransUnion '' ) of this error and asked that they remove the items. They claimed to have " investigated and verified '' the accounts and permitted them to remain on my report. In XX/XX/XXXX, I notified the companies reporting the misinformation to TransUnion ( see attachments " XXXX XXXX '' and " XXXX '' ) and informed them that they were reporting erroneous information and to correct their records. I asked that they provide me with some verifiable evidence of my indebtedness to them ( signed, executed contract, application or agreement ) They failed to do so. It 's now way past the 30 day allowable timeframe for them to provide me with requested documentation. I have since asked TransUnion to re-investigate these accounts, via their online dispute system, and they continue to report these erroneous, invalid accounts on my credit file. As a result, I feel that I have been harmed, emotionally and financially and ask that you assist in resolving this manner as soon as possible.

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