vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Servicing of my mortgage was transferred from XXXX ( XXXX ) to SLS ( Specialized Loan Servicing ) as of XX/XX/2016. Before the transfer of servicing, XXXX paid my first half county property taxes from my escrow account. On XX/XX/2016, SLS paid my second half county taxes, which should not have been paid until XX/XX/XXXX, from my escrow account. This resulted in an insufficient escrow balance from which to pay my homeowner 's insurance bill ( due XX/XX/XXXX ). After calling SLS and discussing my options, I felt it was easiest to simply add additional moneys to my XXXX payment to bring my escrow account balance up to cover my homeowner 's insurance premium. However, SLS neglected to apply the additional funds to my escrow account and proceeded to apply them to my outstanding principal balance. I phoned SLS on XX/XX/XXXX and pointed out the error. I was assured that the error would be corrected and the funds would be correctly applied within 2 business days. On XX/XX/XXXX, the error had not been corrected and my monthly escrow payment had been increased by 50 % due to the 'shortage '. I repeatedly tried the customer service numbers available to me on the SLS website and every attempt to speak to a representative resulted in being disconnected. After finally managing to speak to an individual ( XXXX ) via the number for the SLS insurance department, I was transferred to XXXX in 'Executive Services '. XXXX simply told me he saw that someone had made a request to correct the error, but he was unable to actually do anything to correct the problem because it had to be done by the 'Cashiering ' department. He was unable to provide a number for said department or contact them directly and expressed no regret or inclination to help me beyond repeating what the previous representative had told me a week earlier that the funds SHOULD be correctly applied in 2 business days that and I would receive a new escrow analysis within a month.

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 2015-04-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I have been with XXXX XXXX for 5 years and have made every payment with an additional {$2000.00} Principal payment. My Home loan was sold to Specialized Loan Servicing on XXXX XXXX 2015. I received a letter from SLS that they had acquired my Home Loan and I contacted them and made a XXXX XXXX payment of {$1500.00} with an additional principal payment of {$2000.00}. They informed me that I owed them an additional {$610.00} and I asked where this amount had come from and I was told on XXXX XXXX that they would look into the fees and get back to me. 

They took the payment of {$1500.00} and the additional Principal payment of {$2000.00} for a total of {$3500.00} which was deducted from my checking account. After a week I checked my SLS account only to see that they had not applied the {$2000.00} to my principal but had made an additional Mortgage payment so I called again only to have customer service tell me they would correct the problem and it would show on my account by the XXXX of XXXX. 

Today the XXXX of XXXX I logged into my account only to see that they have taken the {$610.00} for which there is no explanation when it was transferred and reversed the Mortgage payment with this code - XXXX : Payment Reversal. How much more confusing to a customer can you get???? My account shows the same amount owed after making a {$3700.00} payment. 

I have called and left messages for XXXX XXXX XXXX at their corp HQ in XXXX, CO at XXXX ext XXXX with no response. They have little to no respect for customers when called to inquire about the way a payment has been applied and want to charge fees that were never included with the original loan at XXXX XXXX. I 'm not real sure what XXXX XXXX DOES???? or for that matter how they correct a problem when they buy the loan but the response and actions of SLS are in BAD FAITH as a lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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: OH

Complaint narrative:
We had a HELOC with XXXX bank which was to mature at the end of XXXX XX/XX/XXXX We applied for and received a modification for a fixed rate of 4.75 % for 300 months. Letter is attached. We ratified this modification with a payment on XXXX XXXX XX/XX/XXXX and continued to pay the required amount, {$830.00} on XXXX XXXX, XXXX XXXX and XXXX XXXX. See attached statements and XXXX payment letter from XXXX. Specialized Loan Service, LLC took over the servicing of the loan on XXXX XXXX XX/XX/XXXX. See attached letter. We sent our XXXX payment due on XXXX XXXX. See attached check with date stamp of XXXX XXXX XX/XX/XXXX at SLS. They returned our check and never cashed it. I called and was told they had no information of our loan modification and could only accept the full balloon payment of {$140000.00}. See attached statement. On XXXX XXXX XX/XX/XXXX I was advised that I should fax them the information of my modification and then I could make payment. I did so and authorized them to withdraw the payment directly from my account. See attached XXXX XXXX notification of payment on XXXX XXXX XX/XX/XXXX. I set my payment for XXXX XXXX, XX/XX/XXXX to be sent from bill pay from my bank. It is now XXXX XXXX and the payment has not cleared. On XXXX XXXX, XX/XX/XXXX, I received a check from SLS on their check stock for the amount of my payment which they withdrew On XXXX XXXX. See attached. I have not cashed this check. I called them again of XXXX XXXX XX/XX/XXXX, and they are again stating that they can only accept the full amount of the balloon payment and informed me that I am 36 days in arrears. I am making this complaint to document that I have attempted to comply with my loan agreement as established by the previous loan servicer. I am not getting any help from SLS at this point and am worried about what they may do to my credit. Other complaints about this company have a similar story.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Student Aid (USA) Funds
State: MD

Complaint narrative:
They have collected for over 10 years and never applied any amount to principal. They only applied to interest and fees. How is this possible?

Company response to consumer: Closed
Consumer complaint received 2016-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: AK

Complaint narrative:
I purchased a duplex from SLS at the foreclosure sale of their XXXX deed of trust in XXXX of XXXX, to protect my interest in it since I held a junior note. I have been paying for the insurance and taxes since I bought it. SLS still held a large XXXX deed of trust that I have been trying to pay off in full since I bought the property. I always reach their call center people and they will never transfer me to someone that is helpful. I and my Attorney sent a few payoff letters with no response and then I was told to send a certified letter to their legal dept with the loan no and property address and explain the situation which I did on XXXX/XXXX/XXXX. ( I have the green card that shows they received it ) Neither my Attorney nor I have ever received a response. On at least XXXX different times I would spend a few hours on the phone with SLS trying to get them paid off. I would get someone at their call center and kept getting transferred put on hold several times and then back to Customer care where I started. I ended up giving up in getting to talk to someone that knew anything or had any authority. In XXXX XXXX SLS turned it over to a Trustee service who I have talked to several times. She has n't started the foreclosure process yet since I told her I want to get this paid off in full ASAP. I sent her copies of my Attorney 's and my prior requests for payoff. I also faxed both SLS and the Trustee person that was assigned to this at the foreclosure service copies of my paying for insurance and taxes and the accounting from the tax dept here that shows SLS was sent a refund of {$3900.00} on XXXX/XXXX/XXXX because I already paid it. I requested a payoff statement with a breakdown of the accounting for taxes, insurance, and other fees they want. The payoff statement does not reflect me getting any tax or insurance credit. The payoff statement I received also has {$2800.00} added for amount due the Trustee Service who has n't actually started the foreclosure process yet. If SLS would have given me the proper credit for having paid the taxes and insurance, responded to mine and my Attorney 's pay off requests this fee would not have occurred. I appreciate any help your Agency can do to resolve this. 
Without me giving my personal information on this how can you do anything and help get it resolved?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Halsted Financial Services, LLC.
State: WI

Complaint narrative:
A collection agency -- Halsted Financial Services, LLC Ph. # ( XXXX ) XXXX has sent me a bill of collection for which I know nothing of. It is from a leasing agency. I live in XXXX housing and do Not even know how to get to XXXX. 
The looks like the leasing agency is ( XXXX ) .HFS reference number ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
I previously had my mortgage loan serviced with XXXX. I fell behind and got a modification which helped make my loan more affordable. I was current and up-to date. They then sold my loan to SLS and they stopped sending me monthly payments. I was confused and missed a payment or two. When I would call them they told me they could n't talk to them because I was in active bankruptcy even though it was 7 plus years ago and had gotten all of that taken care of with my XXXX. I had to get help from my son XXXX XXXX who works for a HUD approved housing counseling agency. We finally got them to give us information after we sent them the Ch XXXX BK discharge papers ; but again they refuse to send us statements because they say the loan has not been reaffirmed. From my understanding of Oregon State law that does n't happen here ; and I 'm not sure what else I can send them ; all I want is to be getting my monthly statements so I can see what I owe. I 'm caught up on my payments now but feel like this confusion and extra work that SLS made us go through when we had everything taken care of with XXXX XXXX XXXX before is n't fair. I called SLS to request they get the information from XXXX XX/XX/2015, they said they would open up a ticket. I called today, 5 months later and they never did anything. That ticket never went anywhere. I do not trust them as they 've showed they are unable to help me. It 's unfortunate that they 've made an issue over something that never should have been an issue in my opinion. I hope you can help me clarify this.

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 2015-04-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC.
State: TN

Complaint narrative:
about 3 years ago we borrowed XXXX dollars @ 25 % interest I have paid {$740.00} a mounth for 3 years and was sure it was about paid off.i called today and they informed my intrest was now 89 % I asked why I was not informed to which I got no answer this company is called cashcall in XXXX tx the original loan was with XXXX in California then XXXX now cashcall

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
I was a victim of identity theft in XXXX and recently in XXXX through XXXX. I was notified by IRS XX/XX/XXXX that I had been a victim of Identity theft which I was advised to check my credit report as well. When I checked my credit report I found two accounts that I did not recognize. They were XXXX and Monterey Collections. Once I found this I contacted the credit reporting bureau to place a fraud alert and to dispute those items. I submitted police report, IRS affidavit as well as ID social security card and an insurance document to verify my identity. I sent it to XXXX and XXXX Credit Reporting Bureaus and I also sent it to XXXX and Monterey Collections. After that I recieved a letter from Monterey Collections stating that they legally did not have to verify any information with me because of a 30 day clause. So, I did contact them and let them know that I just became aware of the situation that I have forwarded all documents to prove that this information was not mine. I also told them that another company was also reporting this information on behalf of XXXX. After that there was no other correspondence with either of the two companies. XXXX sent me a contract where they had my name and my husband 's name. So XXXX asked did I know who could have done this, I told them that I was not aware and I have not heard back from them either. But what they have done, they have sent to XXXX and XXXX that those account have been verified. However, those accounts that they are saying that are verified are not mine and they are only one account that is being reported as two. I then submitted a letter to both XXXX and Monterey on XX/XX/XXXX, since they said that they would not verify the account with me. In my letter I requested validation of the accounts pursuant to 15 USC 1692G Section 809B of the FDCPA. I also included in this letter that until the items that I have requested have been validated that they are not to continue to keep reporting to the bureaus and that they have 30 days from XX/XX/XXXX to provide documents of which they have not done. Also XXXX claims that these items are no longer appearing on my credit report which is false information. They are still reporting as a Open/late account and Monterey Collections is reporting as Open/Collection. I spoke with XXXX with Monterey Collections on today, XX/XX/XXXX who stated that she received my letter requested for Validation and Cease and Desist of any collection activity and reporting and they have continued to do report false information without providing requested documentation or verifying the documentation I provided to both companies. Therefore I am emclosing those same documents submitted to XXXX and Monterey Collections to your office regarding this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Team Recovery Inc.
State: OH

Complaint narrative:
Team Recovery has a collection on my credit report that is paid off and should be removed. Per debt pay off agreement, Team Recovery did not remove the negative derogatory collection debt info from all XXXX credit reporting agencies after account was settled. I called them many times about them to be fair and remove the collection and they never did. Now, Team Recovery is continuing to report to collection bureau every month as if it is n't paid and is adversely affecting my credit.

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 — Personal information
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I applied for a job with a company called XXXX. I had to pay {$7.00} for my background check. Within days, I was denied employment because the consumer reporting agency they used claimed that my social security number could NOT be validated. In speaking with First Advantage, I was advised that because I have a security freeze on my credit reports, they could not validate my SSN. I find this very disturbing as there are other ways to verify someone 's SSN. Additionally, within the report myself and the employers was sent, it uses deceitful verbiage such as " Ineligible '' and " the SSN does NOT belong to the consumer in this report '' which is not only inaccurate, but is misleading and defaming to my character. First Advantage told me I would need to lift the freeze so they could re-process the background check. I was already DENIED employment because of their inaccurate information so would n't that information been more valuable to me had they told me PRIOR to completing the background check? Should n't it state that we pull this specific credit file and would need it to be clear of freezes? In fact, typically when there is a freeze, I am contacted by the company trying to pull my credit and asked for the security code to access the file prior to being DENIED or considered INELIGIBLE. This process is required under the FCRA when pulling a credit report that has a security freeze. Neither was done. Further, not all of my credit files have a freeze. How was I to know which XXXX they pulled? I am disgusted by their violations and the damage they have caused. When I reached out to XXXX they were of no assistance and put the issue back on First Advantage as if they were the decision makers for employment. I 've been labeled " ineligible '' for employment and I 've done nothing to deserve that. This entire process between XXXX and First Advantage should be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Collection Bureau of the Hudson Valley, Inc.
State: CT

Complaint narrative:
I made a payment arrangement with CBHV and sent a written request to remove all verbiage pertaining to dispute and to report accurately to all XXXX credit agencies to reflect the 6 months of on time payments as agreed. To this day they have not responded adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Medical Data Systems, Inc.
State: IL

Complaint narrative:
This company states they placed my debt for collections on XXXX/XXXX/16 and I have never received anything from this company regarding correspondence. No phone call, letter or etc and debt is now on my credit report. I also have proof that this company was not added to my credit report until recently not XXXX/XXXX/16.

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 2015-05-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: IQOR US INC
State: MI

Complaint narrative:
Called us ( distant relative ) claiming they " knew the person they were looking for was going by a different name '' then falsely represented the call was regarding an employment inquiry made by said person. Denying they had the wrong person/number, the caller then said in was important to find this person because of a problem with a family member!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITY NATIONAL BANK
State: MA

Complaint narrative:
On Thursday, XXXX XXXX I set up and was approved for a personal checking account with City National Bank. I was given an account number and routing number and was told by my account representative that I could begin immediately using the account and make appropriate direct deposit arrangements with companies or entities paying me to send money to my new account with City National Bank. On XXXX XXXX and XXXX XXXX I arranged with and did the appropriate paperwork with many companies and entities to being immediately sending money to my new account with CNB. My account rep at CNB also ordered and sent via XXXX overnight my Platinum Check Card and temporary pin number to me which I did receive on Monday, XXXX XXXX. Based on the account being opened on XXXX XXXX, I closed an account with a existing financial institution. On Monday, XXXX XXXX after informing over XXXX companies of my new account and new direct deposit instructions I was contacted by a very rude CNB representative stating my previously approved account was now being closed due to alleged negative information they received from ChexSystems. They were very uncooperative and insensitive to the fact that 4 days prior they approved the account and I had already made many arrangements for direct deposits to go to my new account. Emails to executives were with met with rudeness, disrespect and lies. The account was never reopened. I also was informed that if in fact XXXX had a negative report on me, CNB would have known immediately on XXXX XXXX when attempting to set up my account. Not 4 days later. This bank has caused a lot of unnecessary stress, wasted time and severely disrupted my life as now payments I was expecting will be delayed due to companies already changing bank info for direct deposits.

Company response to consumer: Closed with non-monetary relief