vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I paid a medical bill for {$27.00} to XXXX XXXX XXXX, XXXX. ( XXXX ) on XXXX XXXX, 2016, via debit card. Three months later in XXXX, the creditor turned my paid account over to a debt collector, XXXX ). Upon receipt of the letter from RRC, I contacted the original creditor, XXXX, and informed them that I had paid the account in full, but they refused to discuss the matter with me, saying that it had been turned over to collections. I told them I have proof showing I paid the account in full three months before, and it should have never been sent to collections in the first place, yet they insisted they were powerless to change anything and I would have to deal with the collection agency, despite this being their error, not mine. For their part, I disputed the debt through XXXX on XXXX XXXX, 2016, and sent in a fax with my bank statement highlighting the debit showing where I paid XXXX on XXXX XXXX, 2016, in full for the exact amount that XXXX was attempting to collect from me. On XXXX XXXX, 2016, XXXX removed the collection from my XXXX credit report. But four days later on XXXX XXXX, 2016, they again reported the account as being in collections. Once again, I 've submitted a challenge through XXXX and attached a copy of my bank statement showing that I paid the debt in full three months before the original creditor sent the account to collections. This collection is impacting my credit score by more than XXXX points, and should have never been submitted to collections in the first place. But more than that, XXXX ( or XXXX, as it 's now being reported as ) has ample proof and more than enough time to remove the account from my credit and, in fact, did so before re-reporting the account the following week. 

Moreover, they have continued to send me letters and additional attempts to collect this debt, which I paid to the original creditor in full months before they erroneously submitted the debt for collections. As someone who suffers from a XXXX at a time when I 'm trying to repair my credit after losing my job 24 months ago and exhausting my savings and retirement in an effort to salvage my credit and home from foreclosure. This has greatly exacerbated my inflammation, which in turn has caused me XXXX of dealing with this situation not once, but twice when I should n't have to be messing with this at all considering I paid the bill in full with the original creditor.

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 2016-06-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC
State: UT

Complaint narrative:
I was recently contacted by Monterey Collections via US mail requesting payment on a debt that I do not believe that I owe. I have responded to them with a letter of dispute and request for cease and desist in their pursuit of collection. 

Monterey Collections is seeking to collect on behalf of XXXX XXXX XXXX ( XXXX ), XXXX for XXXX that was performed on XXXX/XXXX/2014. As explained by my physician at the time, and clearly printed on the company brochure, " if it turns out your insurance company does not cover a specific test, XXXX, XXXX assumes all the risk ''. I have sent, via certified mail, copies of the EOB from XXXX XXXX XXXX denying payment for service rendered. 

I have now received an alert from XXXX, the company who monitors my personal and financial information against fraud and identity theft, that Monterey Collections is " listed as a new account on [ my ] credit report ''. 

I have made three attempts to contact Monterey Collections by phone but was sent to voice mail each time where I left detailed messages and requested they return my phone call to discuss this debt. After no response from them I have mailed a cease and desist letter along with copies of all the information from both the insurance company and a copy of the original agreement with XXXX , XXXX as noted above. 

I have very good credit and have worked hard to achieve this. I am retired and proud to say that I do not have any current debt. I do not feel that it is fair that I may be forced to hire an attorney to resolve this matter when I feel it is a clear example of unwarranted consumer harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XXXX XXXX, XXXX I received a XXXX from " XXXX XXXX XXXX, XXXX. '' XXXX XXXX XXXX, XXXX XXXX, TX XXXX for a Debt Discharged of {$33.00}, XXXX. XXXX. I immediately called them and told them there is a mistake, as I have no accounts with them and never had any. They informed me they were trying to collect on a debt from a XXXX XXXX XXXX XXXX, on a credit card that he took out in XXXX. I informed them that XXXX XXXX XXXX had been my husband, but we had been estranged for many years and lived in different states. Also, I told them that XXXX XXXX XXXX had died in XXXX after a long battle with XXXX XXXX. When I received this XXXX in XXXX I called the attorney who handled the debts at the time of XXXX death and this attorney said I was not responsible for any of XXXX debts. He also said that Virginia does n't recognize any debts after 7 years. When I told XXXX XXXX XXXX this on the phone they said they would have the Fraud and Claims Dept contact me. On XXXX XXXX, XXXX I received a " form letter, '' with no signature, from XXXX XXXX XXXX Fraud and Claim Dept. The form letter said the I will be responsible for any balance on the account. Thus I am contacting you for help. I do n't feel I should be responsible for a dead person 's credit card debts from XXXX.

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: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
SLS took over loan from company XXXX. all payments are up to date and have been completed as scheduled and on time. Company SLS has been calling claiming that they have not received the XXXX payment. I have sent proof that payment was made and have also had my rep from XXXX bank send copies of proof of payment as well as documentation of the wire transfer. SLS continues to call and harass as well as asking if there phone call was being recorded. They SLS stated that a XXXX way call was required with XXXX bank, SLS, and XXXX, this call was completed and all were in agreement that payment had been made. after a few days SLS started calling again wanting payment for XXXX and claiming that the XXXX way call never happened, and or information was lost. XXXX Bank has repeatedly called on my behalf and provided proof that Payment was completed to no avail, I believe the company SLS is trying to scam myself out of more payments as well as bogus late fees which are negative to my credit rating. Explained to Rep from SLS that I will take legal action. rep from SLS said go ahead.

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 2016-09-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Previous complaint # filed in XX/XX/XXXX for same issue this month # XXXX. 
Once again, SLS has " lost '' the electronic monthly payment sent directly from XXXX XXXX XXXX ( my bank ), charged me a late fee, and insisted that I make double payments ( for last month and this month ) while they " research '' the lost payment. 
Every month my HELOC payment is electronically sent directly from XXXX XXXX XXXX to SLS for the monthly. I have been using this same process since the day SLS purchased by loan from XXXX. On XXXX/XXXX/16, I received my XX/XX/XXXX statement stating SLS did not receive a XXXX payment that was due XXXX/XXXX/16. I called and spoke with XXXX and XXXX on XXXX/XXXX/16.. They both told me payment was never received. They told me I had to submit the proof of payment. I obtained a proof of payment from XXXX XXXX bank showing the money was deposited electronically delivered to SLS on XXXX was also told I had to submit a FULL bank statement with nothing crossed. There is information on that statement that has nothing to do with my loan payment such as my salary, other payments I have made etc. That is none of their business. Because of an error made by SLS, SLS is invading my privacy and taking up my time and money ( gas to go to my bank, printer ink, paper, postage stamps, envelopes ) to resolve an error they made. I have spent HOURS on the phone trying to get this resolved. The proof of payment shows they received their money. It was sent electronically, so it is very obvious SLS applied the payment incorrectly. I should not be required to submit a full bank statement showing personal information that they would not be privy to if they had not made this error. I was also told that I was charged a late fee for the XX/XX/XXXX payment and will be charged another late fee for XX/XX/XXXX. To keep " losing '' electronic payments each month, telling the person they must pay the past month and current month ( double pay ), and charge them late fees is FRAUD.

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 2016-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS has not applied two payments made on XXXX/XXXX/2016 and XXXX/XXXX/2016 to our mortgage account. Both payments were made electronically using a service called XXXX. We have paid our mortgage payment using this same process for over 5 years and have not had this issue in the past. We have contacted them numerous times ( 10+ ) and submitted documentation showing the money has come out of our checking account yet they have not given us credit. They have not called us once since our initial call on XXXX XXXX and have not acknowledged receipt of any of our documentation until I call them to verify that this documentation has been received by them. I have had to pay XXXX additional monthly payments for the two months ( XX/XX/XXXX and XX/XX/XXXX ) to get the account out of arrears and requested this amount of {$3600.00} ( equal to two months of payments ) be refunded to us since I have paid XXXX payments for 2 months. No one is taking responsibility to get this done. Their billing statement has a " Error XXXX and Requests for Information '' section which references that borrowers have certain rights under Federal law relating to resolving disputes and says you can learn more about this on their website but there is nothing that I can find on their website that gives information on this. They also list their phone # but when I was talking to XXXX, a Supervisor in Executive Services Department he did n't answer the questions I asked about them having 30 days to resolve or respond to my inquiry and request.

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
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jormandy, LLC
State: VA

Complaint narrative:
I have been contacted by this company multiple times. The company they are trying to sue for is not on my credit files and i never owned a vehicle with the company in question. i went and submitted information to get a car years ago and never got that car from the company ( ended up getting a car from a family member ). it states i owe for the car but i do not owe. i disputed on my credit ( XXXX bureaus ) and which it was removed from all and would like this to be removed as they placed a public record on my account for a debt i do not owe. they also never let me know of the judgement as i looked up the paperwork and was sent to an address i have not lived at in 8 years. I live in XXXX, VA not XXXX, VA.

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 2016-06-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Fairway Independent Mortgage Corporation
State: IL

Complaint narrative:
I submitted a mortgage application with Fairway Independent Mortgage Corp and worked with Loan Originator XXXX XXXX XXXX ( License # XXXX, XXXX # XXXX ). The initial mortgage application was submitted on XXXX XXXX, 2016. I then paid for an appraisal on XXXX XXXX, 2016 in the amount of {$470.00}. During the 2 month process there was a lack of communication from the loan originator and then XX/XX/XXXX I was told that the loan was denied. I then left a voicemail and sent an email to the loan originator requesting a copy of the appraisal or to refund my {$470.00} appraisal fee. The loan originator never returned my call or email. I then received in the mail a Statement of Credit Denial from Fairway Independent Mortgage Corp on XXXX XXXX, XXXX never received a copy of the appraisal and since Fairway Independent Mortgage Corp is n't proceeding with the loan I feel they should be required to either refund the appraisal fee or produce a copy of the appraisal.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I received a bill for XXXX from SLS servicing on XXXX/XXXX/XX/XX/2015, on a Home equity line of credit i had taken out 10 years earlier. It said balloon payment due ( Final notice ), and if i do not pay by 30 days i am subject to foreclosure. This bill was for XXXX, the limit on the HELOC was only XXXX. I paid it off last week, and they deleted the extra amount due to make it the true balance of XXXX. I just do n't want this to happen to anyone else, and if they get an older rich person, they might just have sent them the higher improper amount. Thank you. 

XXXX will attach a copy of the bill if you want or call me with any questions at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
The company who services my mortgage loan has failed to remove PMI, despite the fact that I have achieved 78 % loan to assessed value ratio.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Log on to web site to pay my home loan amount due was {$1200.00} when I chick to pay XXXX XXXX said I had to pay {$2500.00} and would not accept XXXX payment of {$1200.00} when I tryed calling sls loan sevice XXXX to pay was tranfed to collection dept and I could never get someone only voice machine left over 10 messages when finally got some one 3 days later they assured me all was well and I would not be reported to credit XXXX but I was thanks

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 2016-03-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Federated Capital Corporation
State: NC

Complaint narrative:
In XXXX our corporation was issued a XXXX business card in the name of XXXX XXXX XXXX that continually harassed us for about 3 yrs and claim that the debt is owed by my husband which it is not XXXX business cards sold the the account to XXXX and XXXX who claimed to be attorneys they were not set up a settlement with us which we paid in XXXX XXXX the the corporation they never reported it XXXX kept the money XXXX on {$4000.00} they said was owed then they turned it over to a debt collector in XXXX named federated financial services which went after my husband with their attorney and said he owed XXXX with al the penalties late fees and interest every month they had the XXXX come to our home threatened us and told employers our confidential business XXXX business is bankrupt and federated has changed their name to XXXX XXXX XXXX we have paid this and do not owe anything just who are they collecting debt companies settled for pennies on the dollar and we paid them we want it removed off of my husband credit report and post as debt settled and to leave us alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC.
State: UT

Complaint narrative:
I got an alert from the credit bureaus saying that a new collection account was added to my reports. I have never received any notification of an attempt to collect a debt from any creditor. I 'm very displeased at this companys lack of attempt to notify me of any alleged debt and instead just placing it on my credit reports. I ask that this company remove this alleged debt that has not been shown to be mine and for their improper collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 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: MO

Complaint narrative:
I attended the University XXXX XXXX from XXXX - XXXX. After graduating I had problems finding employment in the XXXX XXXX field. As a result I requested Deferment of my loans due to Unemployment. 

Federal Loan Servicing refuses to modify my credit report where they claim I missed payments on my Federal Student Loans. I wrote to them twice requesting the change. I also opened a dispute with XXXX. The following was sent to Federal Loan Servicing on XXXX XXXX. This was my second request : RE : XXXX I am writing in response to the attached letter where my request to modify credit reporting was denied. Your agency reported my account # XXXX 60 days past due on XXXX, XXXX, and 90 days past due on XXXX. 

The attached documents, which I provided previously, reveal that my account was in Deferment due to Unemployment from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX. Therefore I was not required to make payments on XXXX, XXXX, and XXXX. I again request these erroneous marks be removed per the Fair Credit Reporting Act. 

I routinely submit my payments before they 're due, have not missed a payment, enrolled in XXXX XXXX XXXX XXXX, while my accounts are in good standing. 

Please make these corrections to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
My original mortgage company sold our mortgage to a company called Specialized Loan Servicing Company. They are refusing to send us a monthly statement showing what our payment date is, escrow, principal, etc because we filed bankruptcy in 2011. This company has a licence in XXXX, NY for a collection agency with no physical address. They also claimed that there is a investor in our home. I contacted the XXXX and this company has an F rating. We are current and up to date. I do n't know what to do, they will only accept payments from XXXX XXXX or direct access to remove payment from our bank account. We need 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 2016-07-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: FL

Complaint narrative:
They continue to call and answer telling them that I am willing to work with them and that they try to get unnecessary information out of me that is not needed for me releated to my issue. I have medical issue going on and have had a reduce income to It and have fallen behind in everything. Everyone else has worked with me except For XXXX XXXX and allied interstate who hassle me until it is unnecessary and they call 18 times a day and not willing listen to what I am willing to with them at and i am just tired of being called On Sunday 18 times and all times of the mornin and night and needed personal informations that they do n't have any business in as credit card company, I just need help on what I can do to have a clear understanding of working with allied interstate and I have been blocking all there numbers coming in when I find out it is them because they do n't want to listen to what I am willing to work with them at they want to do there own thing when every they want.

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 2016-08-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
I was shopping for a line of credit, and inquired with City National Bank in XXXX, Ca. When they related the terms, I took some time to compare their offer with products offered by other banks. They hounded me to try to close the sale, but I hesitated, because I was not convinced that the rate and terms were optimal. 
Eventually, they sent me a copy of a 'notice of adverse action ', which they forwarded to XXXX , citing insufficient income ; yet, they never declined the loan offering. It was only when I did not respond, that they took this apparent punitive action. I can produce phone records that prove I never called them after I discovered their product was not attractive ; but, they continued to call me and left voice mails trying to induce me to consummate the loan.

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