vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XXXX XXXX, 2013 I purchased property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, herein referred to as " Property ''. I provided lawful funds to pay for purchase, recorded deed and payed Transfer Taxes to the county. Approximately 2 weeks after recordation of ownership, I received a letter sent to the " Property '' addressed to my husband " XXXX XXXX XXXX '' the recorded owner. Within the letter was a " Notice of Default '' claiming the previous homeowners had defaulted on the mortgage previously held on the " Property ''. The notice stated the holders of Mortgage Debt was " XXXX XXXX and XXXX XXXX ''. The Trustee was listed as First American XXXX, herein referred to as " FATSS ''. I contacted the number listed on the notice and was asked to proved proof of ownership by scanning a copy of my deed and emailing it to them. I did and received an email back from a woman claiming to be a manager named " XXXX XXXX '' herein referred to as " XXXX ''. XXXX explain how she felt I purchased my home " subject to '' the mortgage held on the property. She further claimed I could pay them. After months of back and forth, and obtaining a restraining order barring the sale of the property, FATSS sold the property at auction to " XXXX '' who they purported was the lender. Within the documents provided as authority to sell, there is fraud by deceit ; robo-signers signing as employees of a company they are neither employeed at nor paid. Any mortgage seeking to record XXXX XXXX as either Benificiary or Nominee will have fraud by deceit, forgery and robosigning by virtue of design. XXXX XXXX has no employees to assign or sign for assignments. Any assignment claiming to be XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX or MERS ( XXXX ) is fraudulent on its own. Any Servicer, Trustee, Benificiary, Lender or Mortgagee seeking to use a document signed by an employee of either XXXX is acting in connection with fraud and Criminal Organization. 

I have attached XXXX slideshows. I can print them for better viewing and mail them if necessary. 
How XXXX XXXX is a XXXX and will always contain fraud XXXXForeclosure documents with pointers showing fraudXXXX 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Northstar Location Services, LLC
State: KY

Complaint narrative:
This is the second time that someone from XXXX has contacted my employer at home. I told them the last time that this was my employer 's home number and that it was unacceptable for them to contact him at his home. They assured me they were going to remove the number and it would n't happen again, but it has. 

How do I fix this?

Company response to consumer: Closed
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
my mortgage was transferred over to SLS back in XX/XX/2016 I was previously with XXXX I never received information from SLS until I notify them however every time I 'm trying to call them I can never get an answer and I would like for someone to call me. I have actually stayed on the whole for 30 minutes without reaching an operator.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
After refinancing my home I was only given temporary payment coupons to make my payment. Once I received my first paper statement it showed a shortage of XXXX. My first statement was received on or about XXXX XXXX. I contacted XXXX, the mortgage company and attempted to correct the discrepancy, however, XXXX was in the process of selling my loan and was unable to assist me in any way and was instructed to call the new loan servicer ( SLS ) to correct any problems. SLS was unable to assist me until they processed the loan after XXXX XXXX. I contacted them again on XXXX/XXXX/2015 and XXXX and was informed that they do not have any information prior to their taking control of the loan and offered to request my statements from XXXX Mortgage to review. No statements were ever sent to me. I contacted SLS again approximately the middle of XXXX to attempt some resolution. After speaking with the agent she was able to see past payment activity and was able to locate the issue of XXXX Mortgagemisapplying my first payment causing payments to be late from that point forward. Now I am in a situation were neither mortgage company claims to have the ability to assit me in the matter. I made contact with the first mortgage company as soon as I received my first statement showing a discrepancy was sent and made me aware.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
I accidentally scheduled two mortgage payments from my bank, XXXX, to the company that recently took over my mortgage : SLS. ( If the payment is n't there on the XXXX of the month, they call me every day. So I thought the first payment had n't gone out. ) It has caused me to be seriously overdrawn as my other automated payments come in. 
As soon as I found out, I called XXXX, and they said it was too late to cancel the paytment. I called SLS a week ago, XX/XX/2017. I was told to send a screen shot of my bank statement showing the two payments, and SLS would send me a check through the mail as soon as the payment was logged. Without the screen shot, they said they would have to wait for TWO WEEKS to see if the second payment had cleared. I sent the screen shot right away. 
It has now been a week since that call, and 13 days since they received my first payment ( XX/XX/XXXX ). I just called again to see if my check had been mailed to me. I was now told that the screenshot is n't good enough. They want me to fax them the XXXX bank statement. 
And then it seems they will MAIL me a check back. -- Supposedly, it is against their policy to transfer the money back to the bank. 

THIS IS INSANE. : - ( 1 ) Is that correct that they can require two full weeks to clear, can only mail me the check, and so on? 
2 ) I much preferred my other mortgage servicing company, but my mortgage was transferred to this company a few months ago. Is there any way that I can request another company handle my HAMP loan? 
Thank you.

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 2015-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS is Falsely Claiming they are representing and that it was contracted by the owner of the mortgage Loan, to service the '' account ''. 

SLS Representative XXXX ID # XXXX is claiming XXXX Bank XXXX is still doing Business as of XX/XX/XXXX in their letter. SLS Rep. XXXX also provided an " Endorsed Note '' with XXXX XXXX XXXX as Lender to the CFPB in case # XXXX. 

XXXX XXXX XXXX has been Defunct since XX/XX/XXXX 
How is this Possible for XXXX Bank XXXX to transfer or conduct any Type of Business after XX/XX/XXXX? 

SLS also claims the " account '' was " Charged OFF " by the prior servicer? 
XXXX ) Who was or is the servicer they speak of? 
XXXX ) Did SLS Purchase This alleged DEBT? 
XXXX ) What gave them the Right to post False information onto my Credit Timeline? 
XXXX ) Who Did SLS acquire this Account from? 
XXXX ) Was this Debt purchased by SLS? 
XXXX XXXX Provide accurate Accounting according to XXXX. 
XXXX ) Is it a Mortgage Loan or a Line of Credit? 
If Neither provide what type of account this is. 
XXXX ) If prior SERVICER charged off account why is SLS claiming they did on my credit Timeline? 
XXXX ) What is SLS claiming is owed if already charged off? 

SLS has Violated The FDCPA, FCRA, GLB, and is Defrauding Consumers and the Government and with their False Claims, Unjust enrichment and Backdating and presenting False information and Documents

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
Metro collections has contacted me at my place of work at XXXX and my employer about my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Two years ago I made a Trust Deed Investment to someone in a group of Real Estate Investors and I insisted that the loan be against a property in California, XXXX XXXX XXXX, XXXX, Ca. XXXX,. As it turned out the investment group was involved in a XXXX scheme. I wound up foreclosing on the property because they stopped paying the interest on the loan. The XXXX loan is held by SLS llc. The XXXX loan was made to XXXX and XXXX XXXX-the people I foreclosed upon. SLS LLC refuses to put the XXXX loan in my name, even though I paid up close to {$19000.00} to get the loan current. SLS LLC keeps telling me that they will only release information on the XXXX loan if the XXXX give the ok. Because I foreclosed on them, this will never happen. SLS LLC will not accept my new insurance on the property, will not put my name on the first, and will not communicate with me. I have sent registered letters to the CEO at SLS LLC headquarters, XXXX XXXX, on XXXX, 2015 as well as XXXX XXXX , V.P at SLS LLC . I also sent a letter to SLS LLC Headquarters and faxed a copy to them just to make sure. They replied with a statement that they could not identify the associated mortgage loan with the information provided-I provided the address of the property on the first line of my letter to all of the above, i.e. the XXXX, the XXXX, the headquarters fax as well as mailed letter. 
XXXX XXXX received the updated trust deed information to confirm my acquiring of the property-yet they have refused to put my name on the property and the first loan. They will not even refer me to a supervisor as I have requested. They are the worst mortgage company, or any type of consumer company, that I have ever communicated with. Now I do not know how much the monthly mortgage payments are, and the mortgage is due on XXXX XXXX, 2015. WHAT AND HOW MUCH DO I SEND IN TO COVER THE MORTGAGE????? 
Included are trust deed affirmation in my name, the letter I sent to SLS LLC -the CEO, VP and Faxed and mailed to the company. Finally, in the letter is the civil code which shows that am legally, in the eyes of the law, the new owner of XXXX XXXX XXXX, XXXX, Ca. XXXX. All this info was in the letter-yet SLS LLC stated they it was not in the letter. They did nothing to rectify this problem. I have since gone on the internet and the complaints against SLS LLC are numerous and all the people dealing with them have had similar or the same poor if totally lacking service from this company. PLEASE TAKE ACTION ON THIS COMPANY ASAP. This is my second complaint to you and have had no luck in even basic communication with this company, even though I have included my phone number in every communication, as well as address. 
Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My husband and I, our mortgage is owned by XXXX XXXX. The Specialized Loan Servicing company collects the mortgage payments. We have tried multiple ways to get them to post our mortgage payments correctly, but invariably, when I go into the account, they have failed to do so. Further, the agent I spoke to on XXXX/XXXX/2016 told me that my account had an annotation stating to post the mortgage first and any extra money to the principle second. But they failed again. Now they are asking us to pay the mortgage payment and the late fee for money that is already posted in the account. Why do consumers have to put up with this kind of incompetence - I am going to try and resolve this, but these people are crooks. And based on what I see in their account posting practices, and I might also mention many people on the internet who are having the same issue, have created a very convenient revenue stream for themselves at the expense of the consumer. Please look into these people!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
To whom it may concern, This complains is against SLS, a mortgage servicing company. This company bought my mortgage on XXXX XXXX from XXXX mortgage. 
I received a letter dated XXXX XXXX, XXXX from SLS servicing company stating that my Condominium Unit Owner was expired ; I thought they were talking about the Hazard and Flood and I faxed it to them. After a call, I realized that they were talking about XXXX which I do n't know what it was, I never heard about it in my 10 years and XXXX different lenders in the property. I just requested the document that demonstrates that I " MUST '' have it but that never happened. If it is by law that I needed I just request in my letter to send me the appropriate law information I will proceed accordingly. From this letter I mentioned I did n't receive another XXXX until XXXX XXXX, XXXX. What I received was a letter warning that they will buy the insurance from me. In the meantime, I kept calling and requesting why I should pay this kind of insurance. 
Later on, a letter dated XXXX XXXX, XXXX stated that they bought the policy, the policy document has the issue date at the bottom ( attached ). What really surprised me was that the cited policy even thought was bought in XXXX, started from XXXX/XXXX/XXXX and expires on XXXX/XXXX/XXXX. IS THIS POSSIBLE? 
SLS after this distasteful issue they proceeded to added this amount to my escrow account. I refused to believe what they did, but it 's a fact. At the end of XXXX I decided to buy XXXX on my one to avoid another disaster, but was in vain. I bought an XXXX policy from XXXX XXXX and XXXX Insurance Company for the expensive amount of {$1000.00} for a small condo. I planned to pay it in XXXX quotes. Few days later I saw this amount also in my escrow account, later I got a check for the down payment amount. When I called the insurance company they explained that my mortgage company paid it in full. Not a phone call, not a notification. 
I have never received a call from this SLS servicing company, ( once I asked why they do n't call and the answer was they have millions of customers and do n't have time to call ). I know there are so many wrong procedures and the internet is plenty of complaints about SLS, public records of fraud and mistakes. As a result, my escrow account is now negative in more than {$2.00}, XXXX dollars. 
My biggest concern is why SLS charged me the insurance from almost a year retroactive when the first communication is dated XXXX XXXX, XXXX ( attached ). 
Thank you in advance.

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 2016-10-20 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CarMax, Inc.
State: NC

Complaint narrative:
Carmax auto finance was recently disputed from transuion credit file and was removed from file on XX/XX/2016. They re- inserted the account on XX/XX/XXXX but with no notification to me .I have disputed this fraudulent account with this company with deceptive tactics that they didnt consider my dispute because they responded before they got the notified letter they sent me which should be documented. I am backing up this claim with a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
This company is harassing everyone in my immediate family as well as my siblings ' parents. They are also calling me on Saturdays and Sundays.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: CITY NATIONAL BANK
State: NJ

Complaint narrative:
A debt collector named XXXX XXXX is using sheriffs in NJ to send me documents that he says he has filed with a court but he has not. This guy has broken the law I was told by a lawyer and is a very aggressive debt collector. The bank is in CA and I am in NJ now so I am also wondering what the rules are around that.

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 2016-01-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE & WEINER ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CAINE & WEINER or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAINE & WEINER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
Hello. My name is XXXX XXXX XXXX from CT. I am a XXXX year-old retiree from the XXXX XXXX XXXX XXXX. ). Recently I have incurred several medical bills that I can not keep up with. I have tried to pay my co-pays when I was able, but I am living on a very fixed income ( Social Security and a small pension $ XXXX monthly ). I was receiving daily and Sunday phone calls from this debt collection agency called American Adjustment Bureau. IOn XXXX of the calls I asked them to please stop. They replied " fine ''. The phone calls stopped but today I received a " privacy Assist Statement from my Bank, with a list of XXXX XXXX XXXX XXXX small co-pays that are delinquent. They were, evidently, reported to XXXX. There is no explanation of who they are from and today I have received another XXXX. My lawyer friend advised mje that they are " paying me back for asking them not to call by over-sending reports to the credit-reporting companies to embarrass me and further lower my credit status. Is this legal? Is it harassment. I feel that I am too old to take them on myself and wonder if there is anything else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Credit Plus Inc
State: OH

Complaint narrative:
These companies have caused my credit score to drop XXXX points do toHARD INQUIRESXXXXXX/XX/XXXXXXXXXXXXXX/XX/XXXXXX/XX/XXXX XXXXFinanceXXXX XXXXXXXX XXXX, XXXX XXXXMisc. 
I XXXX XXXX do want these removed.

Company response to consumer: Closed with explanation