vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MINNESOTA LIFE INSURANCE CO., THE
State: KY

Complaint narrative:
In XXXX, My ex wife applied for a title loan through Personal Finance Company on her car and in doing so the company wanted me to cosign the loan for her. The original amount of the loan was for {$1000.00} she then got into a car accident and stopped making payments. In XXXX I received a wage garnishment order for {$20000.00} from this company and received no prior communications about the debt because I was not living with the original account holder since XXXX, on the garnishment order that I received from my employer shows a mailing address of a XXXX XXXX that I never used. Being a cosigner I know I am also responsible for the note but do not agree with paying accumulated interest of the loan, I have been in contact with the finance company and also with the collection company handling the account trying to come to a resolution. I have paid {$4000.00} so far on this account, however they are not attempting collections on the original account holder and trying to collect back interest of 29.22 %. I believe that this is a very unfair practice from this company I believe that I have fulfilled my obligation as the cosigner on the note paying the original loan amount plus other costs for the loan going into default. All the payments that have been made, came from me and not the original account holder. I believe that forcing me as a cosigner to pay accumulated interest since the loan has been in default is just wrong. I was informed by the collection agent handling the account that I have paid more then the original submission of the account. How is it legal for a company to keep accruing interest on {$1000.00} loan for many years that the account has been in default?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Apelles, LLC
State: KY

Complaint narrative:
I contacted the company via letter and told them they could not contact me via phone. They ignored my letter and continue to do so in violation of my rights and leave messages without knowing who listens to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I am in the middle of a Loan Modification with Specialized Loan Servicing and now They sent my loan to XXXX WITHOUT SENDING ME A GOODBYE LETTER OR ANYTHING. Now Specialized Loan Servicing is doing the same thing they did before, Trying to say they never received my paperwork. I have the letter of CONFIRMATION FROM THEM SAYING THEY RECEIVED MY PAPERWORK AND IS PROCESSING MY MODIFICATION ANT IT MAY TAKE UP TO 30 DAYS. This letter is dated XXXX/XXXX/2016. SELECT LOAN SERVICING IS NOT BONDED TO COLLECT IN THE STATE OF TEXAS AND NITHER IS XXXX XXXX

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 2015-06-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I applied for a loan modification over 18 months ago with SLS ( Specialized Loan Servicing LLC ). I have been diligently providing all documents requested by them, often multiple times, in an effort to have the modification approved. I was advised early on in the process that I qualified for the loan modification. To date they have failed to approve the modification and continue to ask for materials that were previously provided. In the multiple repeated phone calls to SLS they have not had the same individual answer the phone and I keep getting different stories from whatever representative I speak with. This company has been impossible to deal with and is going to cause me to lose the property that I was seeking the modification for due to their inordinate delay and complete inability to respond to this request in a reasonable manner. At this point I am facing a Sheriff 's sale next week on my property due to the fact that they continue to give me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: OR

Complaint narrative:
I refinanced with XXXX and their parent company Golden Empire Mortgage. It was made clear to me there would be no points. Later, they added thousands of dollars in points buried in the documentation.They did n't contact me by letter, email or phone. I 'm not a professional so it slipped past me especially since I was told there would be no points. The added fees were hard for someone like me to spot or even look for as a result. I consider this bad business practice and a dishonest way to handle the process. I would like they way it was handled investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
We used a purchase money second in XXXX of {$150000.00} to avoid property mortgage insurance. Both predatory loans originated with XXXX, transferred to XXXX, and then XXXX went to XXXX and XXXX to Specialized Loan Servicing. XXXX modified our XXXX and said they were doing the XXXX. We received a welcome letter from XXXX bank and called XXXX to ask about our modification. XXXX told us to shred welcome letter and that it was a scam. Reassured us that XXXX was in for modification. XXXX said we needed to file a bankruptcy in order to initiate modification of our XXXX. We filed a Chapter XXXX in XXXX, called SLS in XXXX to resolve situation of modification with them. They wanted a lump sum buyout and would n't talk to us due to bankruptcy even though our attorneys sent in an authorization for them to speak directly with us and even though BAC did modification on our XXXX when we already filed bankruptcy. SLS capitalized the interest on the loan to where it 's approximately {$40000.00} above the original {$150000.00} borrowed loan amount. After our discharge on XXXX/XXXX/XXXX, XXXX offered a structured settlement to pay back approximately {$190000.00}, but they have n't put offer in writing. We 've requested a QWR and a forensic audit of the file from date of inception of loan, and XXXX has refused in writing to supply this documentation. Please see lengthy attached paperwork including letters to XXXX Office of the President, Office of Comptroller of the Currency, XXXX XXXX 's office to try and resolve our mortgage issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My home loan went into default XX/XX/2014 with XXXX XXXX, due to a temporary hardship. The hardship was resolved and an application for loan modification was submitted ( XX/XX/2014 ). Since the original submission, and to date, XXXX and its servicers have rotated at least XXXX " Preservation Specialists '' on my applications, lost or arbitrarily rejected multiple loan modification requests, applied arbitrary qualification criteria, transferred servicing to another company, and has repeatedly misrepresented the status of the application and required substantiating documents. After being told by XXXX that the loan was not in active foreclosure and they were working with me, on the same day they filed foreclosure. Defending myself in court has been costly and distractive, as well as a cost in emotional stress and lost wages. Meanwhile, the finance charges grow and related administrative fees increase. My consumer credit counseling representative suggested a complaint is in order. I have also filed civil counter claims.

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 2016-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I submitted a Request for Mortgage Assistance ( RMA ) application to Specialized Loan Servicing. Throughout the application process, SLS has falsely alleged that I did not submit " missing documentation '' and have repeatedly requested duplicate information. SLS obtained all the necessary information to process my application in the middle of XXXX ; however, I received a letter dated XXXX XXXX, XXXX that my application is still under review. SLS is clearly delaying the process in an attempt to foreclose on my home.

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 2016-06-24 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: CT

Complaint narrative:
SLS, a debt collector, has been violating the FDCPA repeatedly. 

XXXX instance is their continued correspondence to an attorney who no longer represents me. .Despite notice given to them on XXXX/XXXX/16, they ignored it and sent said attorney correspondence on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. 

This is XXXX XXXX of a myriad of violations.

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 2016-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Enerson Law, LLC.
State: TX

Complaint narrative:
I agreed to a settlement payment on an old debt and was led to believe by the collector if I accepted the settlement and paid quickly, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact on of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Original Creditor : XXXX Debt Owner : XXXX XXXX XXXX Debt Collector : Enerson Law, LLC Original Balance : {$9700.00} Agreed to settlement : {$5300.00} Paid on XXXX/XXXX/2016

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 2016-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
I have been trying to work with Specialized Loan Servicing company since XX/XX/XXXX on a load modification application. I sent all the papers they have asked for and every time i called them they would ask for the same papers that were sent over and over again. 
I started calling the lady that is handling my application instead of calling the help line and again i faced the same issues of her asking for the same documents. 
Last Monday XX/XX/XXXX i called XXXX who said some of the papers were not accepted becasue they were missing little details that i was never told about all the other times i had called. So i lost my cool from being frsutrated and overwhelmed for not getting the help i was asking for and for the process taking for ever before a resoulution is found. 
After i sent my papers last Friday XX/XX/XXXX i walled again this Monday XXXX and i left a message for that same person to call me back and she never did. So i called the help line and i was told the papers didnt download yet so i thought maye thats why i was not called back. 
So this morning i called again and left a message to be called back and no one called me yet and it has been 4 hours. In the past it would only take 20min for the call back. 
I have not paid in 4 months. I am very concerned about loosing my house, time is being waisted and no one seems to care. 
I 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 2015-06-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS refuses to give me the proper XX/XX/XXXX XXXX. They keep insisting because THEY liquidated XX/XX/XXXX that we should get a XXXX XX/XX/XXXX. This is against IRS rules which clearly states that as long as an account was paid XX/XX/XXXX then the XXXX must be for that year. It is clear from the statements provided that the account was settled and paid per agreement in XX/XX/XXXX. The reason this is so important is because according to the IRS as long as it was settled in XX/XX/XXXX we do not have tax liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: NH

Complaint narrative:
I have an equity loan it went from interest only to principle and interest I called to get the loan modified they told me hat they just service the loan they do not write it. The loan went from & XXXX to $ XXXX few months later I found out that they do modify, I made out XXXX packages. The first XXXX they said that they did not get all the paperwork I sent them a third and they said that they received all the paper work. I waited and finally they said that I was denied. In the mean time I contacted Hud to help me. They tried to call and work out a modification No response. I called to find out why the person on the phone said that she could not figure out why they denied me. To send in another letter to get someone else in the department to take a look at it no response again. I have proved that I have a hardship. Between Loosing my job lower income and loosing my father and almost loosing my mother. They keep dragging this out so I will loose my house. If they modify I can afford my payments.

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 2016-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
Specialized Loan Servicing LLc sent me back a check ( copies enclosed ) for a payment to be added to Payments in suspense. My modification was was based on the amount of an old insurer, and has not been changed, new insurer is half the cost of previous. enclosed is copy of trial modification. Now I am in fear that I will lose my modification. I have had this problem with SLS in the past.

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 2015-07-06 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: PARSON BISHOP SERVICES, INC
State: OH

Complaint narrative:
I keep getting calls for a XXXX XXXX. I do not know who she is and when I have called and asked for calls to stop, they continue. On XXXX/XXXX/15, at XXXX, I received a voicemail message from XXXX XXXX @ XXXX and he stated that because my voicemail picked up I was acknowledging that I was the debtor. He left the mini miranda and stated that he needed to speak with XXXX XXXX regarding a personal business matter. 

I called and asked that my number be removed, I was questioned as to why she would give my number when legally all he can ask me is the debtor 's Address, phone number and place of employment. 

I want the calls stopped now! I have had my cell phone number for 10 years and get repeated calls for this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
The federal Electronic Signatures in Global and National Commerce Act ( " E-Sign '' ), 15 U.S.C.A. 7001-7031 ( West Supp. 2002 ), provides that electronic records may not be denied legal effect, validity or enforceability solely because they are created electronically. 
Both the federal E-Sign and ESRA authorize the use and acceptance of electronic signatures and electronic records in commercial transactions, and confirm their legal validity. 
The E-Sign Act establishes that electronic signatures and electronic records are valid and enforceable if they meet certain criteria. See 15 U.S.C. 7001 ( a ) ( 1 ), An electronic signature is " an electronic sound, symbol, or process, attached to or logically associated with a contract or other record and executed or adopted by a person with the intent to sign the record. '' 15 U.S.C. 7006 ( 5 ). An electronic record is " a contract or other record created, generated, sent, communicated, received, or stored by electronic means. '' Id. 7006 ( 4 ). 
Consumer authorizations can be provided in paper form or electronically. Writing and signature requirements are satisfied by complying with the E-Sign Act which defines electronic records and electronic signatures. Regulation E does not prohibit companies from obtaining signed, written authorizations from consumers over the phone if the E-Sign Act requirements for electronic records and signatures are met. 
Specialized Loan Servicing ( SLS ) received my updated profit & loss statement timely ( XX/XX/2016 ) during the loan modification review process but failed to use my updated profit & loss statement in violation of the federal law 15 U.S.C. 7001 ( a ) ( 1 ).

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 2016-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC.
State: OR

Complaint narrative:
I have a mortgage with Plaza Home Mortgage Inc. for several years now, I have had nothing but problems with them from the very beginning. They make it impossible to do anything very unhelpful or willing to work with people. There online site has not been available to me for several years it might work one month but not the next, tried so many many times working with there IT people and it never gets resolved. I must of spent a year off and on, on the phone many hours and nothing. I gave up and make the payment through my bank! 
Last year I had to file bankruptcy and they would NOT send my statements. OK my bankruptcy has been done and gone for several months my attorney and I made several attempts to reaffirm months before our dead line but never got a response we made several conference calls to there bank R dept and spoke with the woman handling my case she kept telling us there was not enough time for them to do it. We told her we sent what she needed months ago and there was no reason they had, had plenty of time finally the day of we called again spoke to an attorney for them and he said it was to late. Well ya, but we had attempted for several months. Nothing he can do, later that day XXXX minutes before XXXX our time they sent the fax there was no way for my attorney to get a hold of me and for me to get to his office and sign everything and fax it back in time! Also I live in XXXX and he is in XXXX which is about 20 min away! I have contacted them several times since explaining that. They just keep saying your still in the bankruptcy department and it will stay there and because you did not reaffirm we will not send you your statements! It has been close to a year now, I have no idea of where I am at or what I owe or anything! 
I have never been late with any of my payments. I have made all of my payments thru my bank and they have not sent any back! 
I happen to see on the back of an old statement in a box in all caps. 

Additional Notice to customers who are in Bankruptcy or whose Obligation has been discharged and NOT Reaffirmed : All the information contained in this Mortgage statement is required to be PROVIDED to CUSTOMERS BY APPLICABLE FEDERAL REGULATIONS PROMULGATED BY THE CONSUMER FINANCIAL PROTECTION BUREAU. 
How can they do this? And have this printed right on the back of there statement and know they have to and they refuse???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Herbert P. Sears Co., Inc.
State: AZ

Complaint narrative:
This debitor continues to reage this illegitimate debt on my credit report resulting in my scores to plummet. The debt reaging is done without my consent! 

HP SEARSXXXX XXXX XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency HP SEARSOriginal Creditor XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
They continue to call my place of business. I have no knowledge of any other communication and have not received any letters

Company response to consumer: Closed with explanation