vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Reference : Case number : XXXX still not resolved My name is XXXX XXXX, resident at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, and the reason for my complaint are listed below : I bought my property at XXXX XXXX XXXX in XXXX. 
Until XXXX my mortgage loan # XXXX lender XXXX Bank. 
On XXXX XXXX, XXXX we received a letter " Notice of Assignment, Sale or Transfer of Servicing Rights '' from XXXX Bank, to Specialized Loan Servicing ( SLS ), effective XXXX XXXX, XXXX. 
XXXX See Doc. # XXXX attached On XXXX since I did not receive any writing communication from SLS I sent my payment to XXXX Bank, but it was not accepted, they confirmed that where to send the payment to SLS and we did with certified letter. 
Our last statement from our mortgage loan was XXXX from XXXX Bank. 
XXXX See Doc. # XXXX We wrote so many letters and did so many phone call requesting our " monthly mortgage statement '' that were unsuccessful, with promises that never where delivered. 
We sent every month our payment and every payment were cashed by SLS, even though we are getting every month letter that we are behind. We sent every month payment with a letter with a full description where to apply the payment. 
XXXX See Doc. # XXXX list of monthly payment Not be enough to make monthly payment to keep proving that the payment was done, that we are fighting to get monthly mortgage statements, now I have to prove that we made the payment and maybe get a lawyer and spend what we do not have. 
XXXX See Doc. # XXXX " Notice of Default and Notice of Intent to Foreclose ''. 
I think if we have a Department that is in charge of fraud it is time to act, because we are not The only ones with this problem with SLS, just go online and search how many people are dealing with SLS and they are crooks, that somebody must stop to ripe people off that are working honestly to make their house payment. 
WE DEMAND OUR MONTHLY MORTGAGE STATEMENT THAT IS OUR RIGHT, Nobody will keep Sending monthly payment for 20 ( twenty ) years without knowing where the money is going, and with no monthly statements that you can check where your money is posted. 
Beside all above now they are saying that we have shortage of escrow with no statement We hope that as a Commission that was created to avoid MORTGAGE FRAUD, you will take action and stop SLS, and what to do since this is an ongoing situation with no resolution whatsoever. I am enclosing complaints from other customers.

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 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: FL

Complaint narrative:
After getting information at work about fed employee forgiveness plan I sent the required form. After many calls to find status I was told I qualified. I continued to go online at fed loan but account not set up yet. Received letter stating do not send payments to previous lender XXXX as loan was transferred. More attempts to get info from fed loan but account not set up yet. Mean time fed loan sends bill for XXXX dollars. Sent the payment expecting adjustments with next bill. Next statement said I owe XXXX dollars. Called fed loan and was told that was my monthly payment. I had been paying a manageable XXXX dollars a month to XXXX and this was unreasonable. Fed loan said I was paying too little? I was told that if made all of my payments on time All previous payments would count towards my XXXX payments. After phone calls I was told I had to consolidate first. I never signed a contract stating the terms of this loan and want to go to my original loan with XXXX. Is there something I should do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Franklin Collection Service remove paid accounts from my credit report then put them back on

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 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: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
Debt was finalized XX/XX/2016. I 've retain letter notifing that debt was paid in full. This is ridiculous and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc.
State: SC

Complaint narrative:
I receive multiple phone calls a day from Franklin Collection Services attempting to collect a debt from a XXXX XXXX. I have no idea who this person is and each time I ask to have my number removed from their call list. I am told that they are removing my number each time, but just receive phone calls from a different number the next time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Business Bureau
State: NJ

Complaint narrative:
I was pregnant and had 100 % medical coverage.I do n't realy know what service was performed to me and name of doctor.Never received any explanation or invoices for this amount.I have all receipts paid in full on hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citi cards refused to give my reward money even though had already earned it when accouterments was closed due to poor customer service.

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 2015-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Check Security Associates, LLC
State: IN

Complaint narrative:
On XXXX XXXX, 2015 XXXX XXXX from Warner Asset Location Services started calling my home number, my parents home and my husbands phone. He is looking for XXXX XXXX and he asked us to relay a message. I asked him on XXXX XXXX, 2015 to stop calling my number harassing me about someone else 's debt because I do n't relay messages. He called again on XXXX XXXX, 2015 and left another message about the same person 's debt. It is pure harassment at this point.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HOMESTEAD FUNDING CORPORATION
State: NY

Complaint narrative:
I obtained a new mortgage through XXXX XXXX for the purchase of a new home. We closed on the property located at XXXX XXXX XXXX, XXXX, NY XXXX on XXXX XXXX, 2015. Our XXXX mortgage payment in the amount of {$1500.00} was due on XXXX XXXX, 2015. On XXXX XXXX, 2015, I logged into the XXXX XXXX website and made our XXXX payment for {$1500.00}. This transaction cleared my bank account via ACH transaction on XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a letter in the mail dated XXXX XXXX, 2015 from XXXX stating that our mortgage had been sold to them from XXXX XXXX. After XXXX XXXX, 2015, I contacted XXXX to determine whether my payment had been received. I was advised at that time that it can take some time for that to happen, however, my credit report would not be negatively impacted as they allow a XXXX grace period for mortgage transfers. Since that conversation, I have received collection calls from XXXX XXXX during which I advised the payment was received on XXXX XXXX, 2015. Once I provided this information to the representative, they stated " oh yeah, now I see it ''. I 've talked to representatives in the loan department at XXXX that have assured me the payment would be sent to XXXX within a few days, then a few weeks and on Monday, XXXX XXXX, 2015, I was advised the payment would be there by XXXX XXXX, 2015. Well, today, XXXX XXXX, 2015, I received a call from an extremely rude collector for XXXX stating that not only has my payment not posted but they are going to report to the credit agencies that I am 30 days late. I was treated as though I was worthless XXXX and told that " if '' my payment does in fact arrive from Homestead, I could dispute the derrogatory information that was reported. This is completely unacceptable. I not only made my payment on time but paid it early and yet I am receiving harrassing phone calls. Also, oddly enough, I received notification from Homestead dated XXXX XXXX, 2015 that stated my mortgage was being transferred to XXXX effective XXXX XXXX, 2015. I thought I was supposed to be notified 30 days in advance if my mortgage was sold???? Clearly this did not happen. I have no confidence in either financial institution.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Comerica
State: TX

Complaint narrative:
Embezzlement Comerica Bank ( Texas State Bank ) : Allowed its holding company Comerica XXXX employee XXXX XXXX Senior Vice President Corporate Quality Process Department to create a fraudulent online XXXX Check/ATM Card account to embezzle {$4500.00} from my checking account. 

The online Account Summary indicates current Balance {$17000.00} with Available Balance {$13000.00}. This does not match my current Comerica Bank statement. 

XXXX XXXX Senior Vice President of Corporate Quality Process Department for Comerica XXXX has a history for over 20 years embezzling Comerica Bank account holders, supported by numerous online fraud complaint against XXXX XXXX. XXXX XXXX is a predator going after elderly and persons who will not or unable to defend against her embezzlement fraud for Comerica XXXX. 

This Online Account Summary account is located under accounts tab and can not be found under E Statements tab this account is not associated with my checking account and the welcome line does not display my name as the owner of this online account. 

My XXXX XXXX thru XXXX XXXX, 2016, bank statement from Comerica Bank ( Texas State Bank ) does not list any filing of legal documents to withhold {$4500.00} from my checking account. The entire amount of my ending balance is available. 

Without legal authority, Comerica Bank ( Texas State Bank ) and with no restrictions on my bank account according to my current bank statement. Comerica Incorporated block me from using my XXXX Check/ATM Card to embezzle {$4500.00} from my checking account, using the Comerica Incorporated online summary account created by XXXX XXXX to cover-up their fraudulent act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Check Security Associates, LLC
State: CA

Complaint narrative:
Warner Asset Location Services at XXXX NY XXXX is calling my place of employment over and over re a debt they say I owe XXXX XXXX. I verbally informed the rep to not contact me at work and she rudely and forcefully insisted she could and proceeded to call 2 more times getting me in trouble. I then faxed a cease and desist letter also and they still called again.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
When working on building my credit, I took out a loan from Lendmark Financial in XX/XX/XXXX. I paid as agreed and on time until XX/XX/XXXX ( 12 months ), at which point they offered me a new loan and to consolidate the remaining balance of my old loan into the new one. Since 12 months of payment history was reported, I decided to do this to help my credit scores even more with another loan. I paid that loan off in XX/XX/XXXX. During this time, I had not missed a single payment on my loans, however, the original loan was never reported as closed, and shows a 90-day late payment in XX/XX/XXXX and two 30-day late payments as well. 

I have disputed this account several times with the credit bureaus, of which XXXX and XXXX WILL NOT remove the account, XXXX did on the first dispute. 

This account reports my ONLY late payment in my credit reports and is harming my credit scores and making me pay higher interest rates for all of my loans. 

The fact that XXXX and XXXX will not properly investigate the account is the primary issue. I 've contact Lendmark on multiple occasions and have received multiple verbal responses ranging from " I see the error and will get it corrected '' to, " we have no record of a late payment '' to " We do not show your other account with us ''.

Company response to consumer: Closed
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Business Bureau
State: IL

Complaint narrative:
Debt was paid in full but shows open on my credit report. I also never received a paid in full fax as I was told I would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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: Pinnacle Credit Services, LLC
State: LA

Complaint narrative:
Pinnacle Credit services purchased an account from XXXX XXXX and has XXXX trying to collect on an account that is from XXXX that I paid to XXXX. Pinnacle Credit XXXX is reporting this account on my Credit reports with the XXXX Credit Reporting Agencies and told me to contact XXXX XXXX XXXX who told me that the account was sold to Pinnacle Credit Services on XXXX/XXXX/XXXX. Pinnacle is reporting that this account was opened on XXXX/XXXX/XXXX which is not true and a violation of the FCRA. I was never notified as required by the FCRA, FCDPA before this account was reported on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ATG Credit, LLC
State: NY

Complaint narrative:
I previously filed a complaint against ATG Credit for not willing to get a corrected amount for a loan they were collecting on. They responded to the complaint that they would find the correct amount and bill me appropriately. It has been 4 months and they still have n't contacted me. When I try to call them, they look up my account number and put me on hold for over a half an hour each time and no one ever picks up. I have even emailed them and receive no response. They believe I am not aware that there are XXXX separate loans but I am and have been paying towards them XXXX for several years. They are trying to charge me the initial amount that the loans were first taken out for and not the balance i owe now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
Good Morning, on XX/XX/2016 I began the process to refinance my car through Exeter Finance Corp. I went on line and clicked the " get payoff amount '' on the website within my account window. I took the screen print of my payoff which was XXXX to my credit union. On the same day I completed the application fort he refinance of my XXXX. In XX/XX/2016 I noticed Exeter was reporting XXXX to my credit bureau. At that point I contacted Exeter an was told that the amount is under investigation and I should call back in a few days time. On XX/XX/2016 I received a letter from my credit Union indicating that they are still waiting for the title from Exeter so that XXXX ( my credit union ) can now become the lean holder. On XX/XX/2016 I contacted Exeter again and spoke to XXXX about my outstanding balance. She verified that I did have a have a 10 payoff time frame which was met and that she is not sure why I have a balance. I asked to speak to a supervisor and was transferred to XXXX. He indicated that my balance was still owed because I did not contact customer service via phone instead of acquiring the pay amount l via the internet. Next I asked him can he retrieve the amount I would have been quoted under the " pay off tab '' in XX/XX/2016. He said he has no way of accessing that information. that time. Lastly, on XX/XX/2016 my payoff became effective XX/XX/2016 however the process date was XX/XX/2016 which was told to me by XXXX a customer service representative at Exeter. As of today XX/XX/2016 I owe XXXX since this balance is accruing. I do not agree with Exeter 's decision to disregard my payoff amount generated via their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Progressive Financial Services, Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/16 XXXX reported XXXX accounts from XXXX XXXX which in which XXXX XXXX was the original creditor ... .I disputed the account because I never lived in XXXX XXXX so XXXX DELETED the accounts On XXXX/XXXX/2016 XXXX repoted the same accounts under a different debt buyer. Progressive financial services. I was not notified of the accounts. This is re-aging an account. XXXX an Progressive have not validated the account according to the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
This collection agency was able to receive a judgment against me without giving me the opportunity to respond or dispute my case, they also denied my request after several attempts requesting to see a signed agreement or contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: OK

Complaint narrative:
direct express wo n't send me a replacement card for my expired card. My calls to them have resulted in no human voice contact, no automated venue to fix this problem. When I have almost got to a real person, they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Pinnacle Credit Services, LLC
State: VA

Complaint narrative:
XXXX XXXX debt of {$300.00} ending in account # XXXX was discharged in Chapter XXXX Bankruptcy in 2011. XXXX has sold the debt to several debt collectors since and it is erroneously reporting on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: CO

Complaint narrative:
I was helping a friend i thought i could trust because she was XXXX because she couldnt get cable in her name so i put it in my name i was living in a motel at the time but used her address as a way to get mail for awhile she ended up not paying the bill so i cancelled the account and she ended up getting another account in her daughters name and not paying that she has ruined XXXX peoples credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation