vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I had a loan with Honda Financial Services since XXXX. I paid timely and was never late. I paid this loan in full in XXXX of XXXX. This vehicle was purchased with proceeds from the XXXX XXXX XXXX XXXX. So my obligation to Honda Financial Services ( HFS ) ended and the debt was completely liquidated at that time. I have documents to support this. 
After that fact, HFS paid an amount for vehicle taxes of approximately {$690.00} and sent me a bill. I did not agree that I owed that money to the taxing authority and liquidating that tax debt could undermine my ability to get it corrected by the taxing authority. I believe the tax was calculated incorrectly. Nevertheless I paid HFS but not after they reported me as being 30 days late on the account : an account that was paid in full. I never gave them permission to reopen the credit, nor to pay these fees on my behalf after they had no further right, title or interest in the property. I have been billed separately by the County of XXXX for taxes due on this vehicle. The amount paid by HFS is not a legitimate debt ; is related to a loan that was paid in full and they " reopened '' the credit, on a non-revolving account without my consent and without lawful authority. I sent a letter with return receipt requested with supporting documentation. The matter was removed from my credit at that time. It has since reappeared, so I asked that it be removed. Now Honda claims it is legitimate! This is a blatant violation of not responding timely ( within 30 days ), removing the item and XXXX causing its reappearance. 
Moreover, it is not a legitimate debt. I paid that loan in full in XXXX of XXXX. How can I possibly have been 30 day delinquent in XXXX XXXX. Please help me regain my good credit. Please guide me in any further recourse I may have against Honda.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: IQOR US INC
State: KS

Complaint narrative:
Allied Interstate, LLC-representative XXXX XXXX called me while I was at work. This is a new job for me, and has not been listed on any of my student loans or for collections. This representative did not call the main line at XXXX XXXX ; he called the Shared Solutions line for XXXX and asked to the XXXX agent to transfer to me personally. We are a HIPAA entity and have patient sensitive information on our screens all day, but he still called a private line used for XXXX for patients w/ XXXX . He stated that they just received the collection matter from XXXX XXXX XXXX last week on XXXX/XXXX/15 for a debt on a private student loan over {$39000.00}. The rep stated that he had a cell phone number listed and he tried to call it right before calling my work on a HIPAA line ; however after checking my phone records this rep never even tried to call my cell phone ; he just called me at work and not on the main work line, he called on the Shared Solutions/Copaxone line used for patients. He then stated I needed to call him back on my break at XXXX ; so I did twice and the rep never answered and I left 2 messages which were never returned. The rep during the call said, " Why would n't I call you at work you owe over {$39000.00}, and I 'm trying to help you ; I can offer you a deal to get this paid off. '' I have never received any communication via or written from Allied Interstate prior to this call at work. The rep was very rude, and I still do n't know if they actually have this loan in their collection office, and I question that they got the loan in their office on a Sunday XXXX/XXXX/15. My main concern is that Allied Interstate , LLC ( this is where the rep said he worked for ) has had the loan in their office for 1 week, they have n't tried my cell phone if they have no messages were ever left, I 've received no written communication ; the first communication I receive is at my work that the rep called on a private line for Copaxone patients ; also, I was not able to determine if this was a legit company and if they really have the loan in their office to collect on as the rep was vague and rude ; I also returned his call as requested and my call was sent directly to voicemail with XXXX messages never returned. I do not have my current employer phone number listed for any purposes at this time, and not for sure how they even got the XXXX phone number to call me ; which is n't even the employer themselves ( XXXX ) but one of their private patient lines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
PART XXXX -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR XXXX ( b ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). 
Specifically, I 'm requesting to know the identity of a true secured lender/creditor, and the existence of debt. Because of extensive criminal activity and fraud in this arena, I require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. CFR XXXX XXXX b ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). I 've been asking for a " copy '' of the note with a blank or special endorsement, allonge, an assignment of the note, or an affidavit otherwise proving status as the holder of the note. The attached assignment of mortgage does not contain any allonge, special endorsement, or affidavit. 
In fact, XXXX XXXX Bank, XXXX, has been publicly out of business since XXXX. Please see attached document for verification and confirmation from the Federal Deposit Insurance Corporation. According to the FDIC, XXXX XXXX Bank, XXXX did [ n ] ot exist on XXXX XXXX, XXXX. The attached assignments of mortgage make it appears XXXX XXXX Bank, XXXX was an active company on 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 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/2015 SLS without our authorization withdraw fund from our account and/or any notification, causing my family hardship and unable to catch up with the mortgage payments, then we requested a Loan Modification, which they continue to denied, until we send a letter to President Obama administration, in order to qualify for Making Affordable Program, which was granted by the President Obama Administration, after that SLS entity send me a qualification for a Loan Modification but in really it was very disappointed to see what they were offering me which is as follow : Monthly Payments of {$2200.00} for 242 month and a balloon payment of {$360000.00} at the end of the term, meaning that I will end paying triple the amount of my property also I will lose my property because it will be impossible to pay a balloon payment on the amount of {$360000.00} neither my wife or my sons and daughter. My wife and I are XXXX who are collecting Social Security Benefits and receiving the aid of our children an I believe that is not reasonable a proposition where they are asking for {$660000.00} at the end of the completion of 242 month when my property is only value at {$190000.00}, which was appraisal by SLS entity.

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 2015-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I have a mortgage loan with Banco Popular for an apartment located in XXXX, XXXX XXXX. My original mortgage loan was with XXXX XXXX but, a few years ago, Banco Popular became the loan servicing company. I originated my loan on XXXX/XXXX/2006 for {$160000.00} and the outstanding balance to date is {$140000.00}. 

I am writing because the current loan balance appears to be greater than the appraisal value of the apartments in my complex, therefore, I am being unable to sell the property to cover the mortgage loan. When Banco Popular became the loan servicing company, I contacted them to try to reduce my monthly payment and see if any modifications could be made to the loan based on the new initiatives created by the government to assist homeowners in my situation. The bank representative stated that my only option was to refinance my loan but that would have resulted in a higher principal and additional closing costs. 

Currently, I am seriously considering transferring my property to Banco Popular in payment of my mortgage debt since I will not be able to renegotiate my monthly payments. My only concern is that this would significantly affect my credit. I am writing to the Consumer Financial Protection Bureau as my last resource before making the final decision.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My loan servicer, Specialized Loan Servicing, placed forced insurance on my account for hazard insurance. I am part of an HOA that pays for this as part of the dues, and so I have been trying to get proof of this to Specialized Loan Servicing ever since they added impounds to my account. 

Not only are they impossible to get a hold of on the phone ( any time I call their automated system says the wait time is greater than 15 minutes and offers a call-back option. I have yet to receive a call back earlier than a DAY later ) but they do not list a means of contacting them via email! 

I have faxed them my information several times, with a cover letter showing my Specialized Loan Servicing loan number, my email at which I have asked to be contacted at and my request to have impounds removed -- I have never received any attempt to reach back out to me. 

When going to their website to try to find an email through which I can electronically send them the information, the only description available is this : " To reach us by E-mail : You may email your request to Customer Care Support by logging into your account, then select Contact Us and follow the instructions to contact us via email. '' THAT IS FROM THEIR " CONTACT US '' PAGE, AND NO FURTHER INFORMATION ABOUT EMAIL IS GIVEN!!!!! 

I am losing XXXX dollars a month because these crooks have made it impossible to provide them the information they are requesting. Please help put an end to this -- I feel utterly trapped because I do not have the option to take my business elsewhere.

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 2016-04-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2016 my family received approval for HAMP tier 2 from SLS ( XXXX XXXX XXXX ). The three Trial Payments to begin XXXX XXXX, 2016, however four weeks later I was notified that the file had been audited after my approval was sent out and that unfortunately a mistake had been made while processing the file and that our family did not qualify to receive the modification after all.

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 2015-09-01 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Specialized Loan Servicing Holdings LLC
State: ID

Complaint narrative:
I had a loan that was sold to a different mortgage company that had derogatory remarks on my credit report I have a XXXX balance with them. I would like to get this taken of my credit score can you please help me out on what steps i need to take, to have it removed.

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: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
My loan servicing was transferred from XXXX to Specialized Loan Services ( SLS ) about a year ago. SLS refuses to send me a monthly mortgage statement either by mail or by email. They tell me it is because my mortgage was included in a bankruptcy. I filed my BK in XXXX 2010. This BK included XXXX mortgage. I have received monthly statements from every lender on all of my mortgage until my loan was transferred to SLS. I am never notified of any changes or problems concerning my account. This policy make it very easy to get behind on a mortgage payment if for some reason a late payment or escrow increase occurs on the account. It does not seem right that that SLS can leave it 's customers in the dark and give them a death wish on keeping up with changes on my account.

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 2016-04-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
On XXXX XXXX, 2016 I reviewed my credit report and noticed that an account that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. As of today, I have not received a response from this collection account.

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 2015-12-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS ( Specialized Loan Servicing ) makes harassing phone calls morning, noon and night if my loan payment is not paid on the XXXX. of every month. My loan payment is due on the XXXX XXXX. and delinquent on the XXXX monthly. I pay it every month on the XXXX yet for the past three months if the loan is not paid on the XXXX. they start calling. even if I answer and tell them I pay every month on the XXXX they keep calling. They told me today they have every right to call as my " investor '' wants to be paid on the XXXX. I made this loan with XXXX XXXX XXXX and they sold it to SLS. I have complained to BofA in the past about this practice. Does SLS have the right to make stressful unwanted phone calls if my loan payment has never been late? They seem to think they do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Our mortgage was transferred to a new loan servicer : Specialized Loan Servicing LLC ( SLS ) XXXX. XXXX XXXX XXXX GA XXXX Phone XXXX in XXXX 2016. We received several notices as the loan was transferred. One stating that our payment was past due ( this notice was received prior to receiving any payment information, remittance stubs, address, new loan number, etc.for the new servicer ). Another letter was received stating that we had no insurance ( although we did, through XXXX/XXXX/2016 and future payment amount is held in escrow ). Yet another notice from a debt collector stating that they were collecting on a debt ( there is no debt owed to this company!! ) and another letter stating that we do not have an escrow account - we did have an escrow account and the old servicer sent us a letter indicating that they transferred the balance of {$3700.00} of which SLS claims they have no record. I have spent hours on the phone in circular telephone loops trying to get clarification on the notices. Was told to ignore them by all the representatives. I just received a telephone call relating to the loan requesting payment ( which I have already sent ). However, on a recent call, I was told by a representative that we have 60 days to make the first payment due to the transition of the loan to the new servicer. This company clearly has administrative issues that go well beyond timing of noticing and operational systems. If they are n't already, they should be under review by an agency to insure that they are compliant with mortgage lending and servicing practices.

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 2015-08-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
An Affidavit of Truth Final Opportunity To Cure was sent to representative ( s ) and/or Agent ( s ) of SLS Loan Servicing on XXXX XXXX, 2015 pursuant to the federal FDCPA and Title 15 section 1241 of the Real Estate Protection Act. SLS was required to respond to questions pursuant to the FDCPA in thirty ( 30 ) days. SLS has dishonored. SLS has also failed to timely respond to issues pursuant to " RESPA ''. SLS in addition to XXXX XXXX XXXX, XXXX lack standing in this matter and claims that a debt is owed to them are frivolous. SLS in addition to XXXX XXXX XXXX have had more than enough time to Cure their Fault. SLS continues to hinder my life & liberty with inaccurate reporting on my Consumer Credit Report. SLS claim is on its face and I have supported all facts with material evidence. This is my final attempt to obtain private remedy before moving my complaint to a court of competent jurisdiction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Title Source on behalf of XXXX Bank contacted SLS to obtain a subordination agreement and proof of assignment regarding a secondary mortgage it has on my property. I recently learned that SLS has requested that the subordination document be signed " SLS on behalf of XXXX '' ; however, per Title Source 's title search, there is no record that XXXX is the current holder of the mortgage. Title Source and I have been informed by SLS that it will take 2 to 3 months or more to respond to the request. This timeframe is unacceptable and will likely to result in cancellation of my pending application. As a result of this delay, XXXX Bank has notified me that I will have to pay XXXX point per month to extend the application with a two-month maximum. In addition, if the subordination document is not properly executed, I will have to wait 60 days to reapply at almost certainly a higher interest rate. 
I am extremely concerned about the quality and lack of urgency expressed by the SLS customer service staff that I and Title Source have received to date and would appreciate receiving proof of the XXXX/SLS assignment and completion of the subordination document so that I can close my application and avoid financial penalties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: GA

Complaint narrative:
This is a work phone contact and Northstar Location Services , LLC has repeatedly called me and various people with whom I work about collecting on a debt. They have been informed that this is a work phone and that I can not have these calls yet they continue to call multiple times per day during work hours.

Company response to consumer: Closed
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
i sent a prof of contract pursuant to the fair credit reporting act demanding they have the legal right to collect said debt even is the debt exists. the ignored the demand and let the statute of limitations expire. after sending a cease and desist notice and demand to remove my file from the credit agencys they have continued to report derogatory information on my credit reports.

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 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Late payments being reported by XXXX are not accurately reported. There are discrepancies varying from each of my credit reports to the next, they are not even reporting the same late months and years as the other. And there is no way that it 's possible to be late for a payment ( s ) on my account but not actually late that same month and year with the same account, as listed on alternating credit reports. The dates listed as late for 30, 90, or 120 days late are not correct. On XXXX credit report it 's only listed as XXXX times late while the other listed as XXXX times reported late etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC.
State: MA

Complaint narrative:
We received a tax abatement and our escrow payment and balance is not realistic for what needs to be paid. The company will not review the escrow until sometime XXXX which is not fair. This is frustrating because we pay on time and pay extra each month to reduce the principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
THE LENDER REJECTED BECAUSE I AM ONDEBT CONSOLIDATION.

Company response to consumer: Closed with explanation