vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-16 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, Servicing of my loan was transferred to Specialized Loan Servicing ( SLS ) on XXXX XXXX 2015 and I received my first billing statement dated XXXX XXXX 2015. The billing statement contained XXXX glaring errors, including incorrect balance, wrongly applied payment, incorrect finance charge, and incorrect calculation of next monthly payment. 

I submitted a qualified written request to SLS on XXXX XXXX 2015 clearly pointing out the errors, providing detailed explanations of the correct calculation of each element of the bill, and provided statements from the previous servicer demonstrating the correct calculation of the bill. 

I received a response from SLS which failed to correct or even address XXXX of the XXXX errors. The response merely noted that " our records indicate that the payment received XXXX XXXX, 2015 has been adjusted with a reversal of {$1600.00} from the payment and applying it to the principal as of XXXX XXXX, 2015. '' This amount is incorrect and no explanation was given for how they arrived at this amount. The correct adjustment was clearly explained in my letter. 

Their response failed to even address the other XXXX errors regarding the incorrect balance, incorrect calculation of interest, and incorrect calculation of next monthly payment. 

Therefore, the response received from SLS did not satisfy the legal requirement under the Real Estate Settlement Procedures Act to either correct or explain the errors pointed out in my qualified written request. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Northstar Location Services, LLC
State: OR

Complaint narrative:
Northstar XXXX from New York is the collections agency handling my account. I have been trying to settle my account with them. On Thursday XXXX/XXXX/15, a representative told me that if I did not pay the account in full by XXXX XXXX, 2015, they were going to report me to the local police department and I would be arrested and could face jail time.

Company response to consumer: Closed
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS

Complaint narrative:
Service was completed in XXXX XXXX. I received a letter from the debt collection agency while I was out of the country end of XXXX XXXX, but the date on the letter was prior to me even receiving the statement from the medical office. I received the statement from XXXX XXXX on XXXX XXXX, XXXX, I paid the bill on XXXX XXXX, XXXX. I contacted XXXX XXXX XXXX after I received a voicemail from the debt collection agency. They confirmed that this bill was never submitted to a collection agency and they showed I had paid all outstanding balances. I requested they send me a paid statement, which I can provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 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 mortgage was sold to Specialized Loan Servicing LLC, effective XXXX/XXXX/15. I did not receive the legally required notification from SLS ( only received notice from my prior mortgage company ). Further, after making first payment to SLS and confirming payment cashed, SLS offers NO way for the customer to verify that the payment has been applied as per the mortgage agreement. I need to see that my payment has been applied to my principal, interest, escrow, and see the remaining balance as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
Specialized Loan Servicing ( SLS ) engaged in the prohibited practice of " Dual tracking '' while I 'm applying for a loan modification. I 've submitted all the required and requested documents. I provide SLS with the enclosed Notice of Error & Request letter for Information pursuant to XXXX. SLS never responded or took any corrective action pertaining to my my monthly income. SLS never directly responded to my Notice of Error & Request for Information letter as required pursuant to XXXX 
SLS incorrectly calculated my gross monthly income at {$1900.00}, when I provided a profit & loss statement showing {$6300.00}. per month on XXXX XXXX, 2016. This error makes it appear my loan modification request did not meet the requirements. 
I also previously sent via fax and email the same updated profit & loss statement on XXXX XXXX, 2016 and verified with a SLS representative via phone call that they received the profit & loss statement. 
The SLS representative told that they did not use the updated profit & loss statement during the processing of my loan modification request and instead pursued the prohibited practice of dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I recieved credit alert from XXXX and XXXX yesterday. When i checked my credit history i find a collection account reported from XXXX different address with XXXX different name for the same amount of money ( {$110.00} ). I have never recieved any communication or letter from all the collection agency reporting about the alleged debt i owe. The report is placed on all the XXXX credit bureau at this time. Duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. The name of the company reporting the same negative information are creditor service of Morgan, Wakefield and associates from XXXX and 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 2016-08-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc.
State: FL

Complaint narrative:
On XXXX 2015 I bought a Vehicle from Carmax Auto Finance. I started making the payments on XXXX 2015 and since then I have n't failed with any single payment, not even late payments as i can show from my records. Couple months a go I checked on my credit report because I want to buy a property and notice that Carmax has reported me as a 30 days delinquent since the first payment. Since then I have tried to talk with different representatives in order to solve the problem but have n't get any response yet. Some of them agreed with me that something is wrong in the account and some others just hung up on me whenever I try to talk about it. The fact of the matter is that I do n't have many accounts in my credit report and this single account has affected me dramatically. Totally unfair situation. I hope I do n't need to hire a lawyer to help me solve this issue. I need my records updated with the XXXX Credit Bureaus showing my account with no delinquency at all. I 'm able to provide all the history of payments in my account to prove it. 
I must appoint that when I first bought the vehicle i had to returned it because it was a lemon, as the sales representative from Carmax said. They then offered a different vehicle to me and we agreed on the terms of a new agreement starting with the payments in XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nations Recovery Center
State: OH

Complaint narrative:
XXXX I filed a XXXX complaint against Nations Recovery ( now twice ). First time they kept taking unauthorized payments out ( triple charging my account ) and kept getting notices that I did n't pay them. It was finally resolved that they would {$0.00} my debt due to the inconvenience they were causing. I get a collections notice in XXXX from a different agency saying I owe {$140.00} on one of the accounts I should n't have to owe and the original creditor ( in XXXX ) was demanding {$390.00} for the other account I did n't have to owe on. After the resolution on the XXXX complaint I NEVER heard back from this agency. I filed another complaint in XXXX and the XXXX agent I was working with never heard from them and were not responding to communication. Today I get a voicemail from one of their agents saying he needed my address to send a refund check. I call him and he 's going around in circles, not listening to me, unwilling to understand what I was telling him. Playing recordings that I could n't even understand because they were so garbled over the phone. He used a tactic that 's appalling to just harass me. At this point Nations Recovery has caused so many problems with my XXXX and have wasted my time over and over again. They have shown their lack of professionalism and their willingness to use deceitful tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION
State: NJ

Complaint narrative:
In the previous response to the complaint, the company, First Advantage Corporation said that it revised the report to correct the error. However, I received the report today, and it has the same incorrect information. Under driving history, under accidents it says there was a " conviction date '' of XXXX. However, the driving abstract from the state simply says the accident was posted on that date. There never was a " conviction. '' Attached is the driver record again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nations Recovery Center
State: PA

Complaint narrative:
My wife and I have received phone calls from nations recovery center in. XXXX georgia # XXXX. A XXXX XXXX asks for someone with a somewhat similar name to my wife 's and also our address and the last XXXX of her social. Even though she has assured him she is not the person he is looking for the calls persist. I asked to speak to a supervised but have not wpreceived a return call to date.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Servatus Corporation
State: MA

Complaint narrative:
Credit Solutions Corp did a hard inquiry on my credit report for a debt no longer valid, and also sent a letter stating i still owe the amount. 
I received a XXXX for the debt in 2013. Which was included on my taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Spoke to company to have letter sent on terms to pay off debt, agreed to amount and to have debt removed from credit report. No letter ever recieved with terms. Have money to pay, but letter to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
Hello, I leased a vehicle through Honda Financial ( dba Acura Financial ) in XX/XX/XXXX. I paid that loan off in XX/XX/XXXX and the installment account was reported as closed and " pays as agreed '' on my Credit Report. In XX/XX/XXXX, I was contacted by Acura Financial about " toll fees '' that I accrued in XX/XX/XXXX and XX/XX/XXXX unbeknownst to me. At this point in time, the lease account had already been closed and paid for ... well over a year. I told them I would pay the fees and made a single payment over the phone. I admit that I forgot to pay them after that as I did not have an active loan or credit account with them. I also did not receive any correspondence about the rest of the toll fees. On XX/XX/XXXX, I was alerted to a credit alert on my report. I noticed that my old lease account, which was closed and was once " pays as greed '' had changed to " pays XXXX days ''. As a result, my credit score dropped XXXX points. I think this is highly deceptive to anyone looking at my credit. This change implies that I did not pay my lease agreement on time which is untrue. I was NEVER late paying my lease or any of my cars. I had NO idea about these fees until over a year later. If I accrued these tickets in XX/XX/XXXX and XX/XX/XXXX..why was n't this added to my loan? Why was I able to pay my lease off with unpaid tickets? Why a year later? I admit that I forgot to pay the fees after being contacted in XX/XX/XXXX, but it seems they also forgot to add these " unpaid tickets '' to my loan while it was still active. I also do n't see how it 's legal to " update '' a closed account with false information. 

I purchased another Acura at a dealership and we had to payoff the account before I could obtain possession of the new car. I have proof that these tickets were added to my closed account over a year after the payoff was sent. 

I 've been very loyal to Acura and Honda up until this year, all I have purchased is Honda and Acura cars ... .but it seems they do not share the same loyalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC
State: IN

Complaint narrative:
Debt was paid in full creditor is refusing to remove.

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 non-monetary relief
Consumer complaint received 2015-11-16 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
They sent me a bill for excess miles on a lease. According to my agreement of the new lease with XXXX, they were supposed to not charge me for the excess miles. The leasing company was taking care of this. Unfortunately, XXXX never forgave the excess miles charge and I paid it, as I did n't want it on my credit report. Apparently, it went to my credit report anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mel S. Harris and Associates, LLC
State: NY

Complaint narrative:
I got a letter from my bank XXXX XXXX XXXX back in XX/XX/XXXX. Stating that a company named : Mel S Harris was trying to garnish my checking and whatever accounts I have. XXXX stated that my income deposited is from social security XXXX, and by law they can not do their action. 

About a few days later. Mel S Harris contacted me, stating that they have a judgement on me. And I must pay them, or they will keep garnishing my accounts. Mind you, i never received a letter or summons, to appear in court. When I mentioned to this the debt collector. She said they sent it, and it 's my problem that i did n't get it. and since the judge ruled in their favor. I must pay the debt. 

I did some research on my state 's court website. And yes they got a default judgement on myself. I also googled this company. And i found a lot of complaints from various people, around the USA. 

I also read some press releases from my attorney general at the time, XXXX XXXX from New York State. He stated that debt collection agencies who got judgements. Used illegal tactics to attain them. Mel s Harris - was caught and sued for not serving clients with summonses. But claim they did. Also a mass class action lawsuit was filed against them in court. Which they lost in XX/XX/XXXX of this year. Below are the website links, in regard to this company : XXXXXXXXhere is the decision by XXXX v. XXXX XXXX heard in XXXX XXXX Court : XXXX : XXXX i attached a file from the FTC in regards to the lawsuit . 

hope this is enough information. If you need to contact me for whatever reason. Call me at XXXXXXXXthanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I read that Honda Financial Services settled for racial discrimination. How can I find out if I was discriminated against when I signed for a car loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
Medical systems is a reporting agent for XXXX XXXX XXXX, in XXXX and XXXX i had emergery room visits which is due upon time of service. they reported the items dates XX/XX/XXXX but the Fair credit act states either last payment date or the date the debt was created. the reporting dates are incorrect and they doing this to keep it on my credit file longer then the debt which is unfair reporting and debt collection practice.Attached is a copy of the original debt from XXXX XXXX XXXX. 
I also think its not right putting XXXX different entitlys on my credit report being its XXXX company it should show up on my credit report as XXXX entity

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: STATE FARM BANK, FSB
State: AZ

Complaint narrative:
On XXXX XXXX, 2015 at around XXXX I deposited cash and checks into the ATM outside of the XXXX on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I deposited the checks and cash, but the machine broke down and did n't give me back my card or receipt. I called the number on the ATM, but was told that because I did n't bank with XXXX that I would have to notify my bank and have them file the claim. After hanging up with XXXX I then called my bank ( Statefarm bank ) and explained the situation. A young lady handled the dispute and told me that a provisional credit would be put on my account for the amount of money I deposited, and when the problem got resolved the provisional credit would be removed and it would simply show up as a deposit. Before I hung up, I asked for a confirmation number, but was told they did n't have one and that I did n't have to do anything but wait for the problem to get resolved. Since XXXX/XXXX/15 I have been calling StateFarm Bank so that I may have this problem resolved. Every time I called to ask about the issue, I was told that it was being investigated and to not worry that everything was going to be fine. On XXXX XXXX, 2015, StateFarm Bank withdrew the " Provisional credit '' from my account, but did NOT credit me back the money for my deposit. I called StateFarm to ask about what was going on and was told that XXXX had no history of my transaction and that is why my account was not credited back the money.I was also told by StateFarm Bank that they could not help me any further because time had been exhausted. The specialist instructed me to file a police report and go to XXXX personally to dispute the matter. I asked the StateFarm specialist if they had gotten the video footage from the cameras infront of the ATM and bank to prove that I had been there, but was told that XXXX did not want to release such footage. I have a video recording of when the incident happened as well as a couple of pictures proving I was there on XXXX/XXXX/15. I have also contacted XXXX of the XXXX persons that gave the check and found that it had not been cashed, also proving that the checks and cash stayed in the machine. I filed the police report as instructed and also went in person to XXXX and was told that because I do not bank with the that I could not dispute the issue. If you could please get back to me at XXXX with some answers as to what I need to do to get my money back I would greatly appreciate it. I am a XXXX student at XXXX University and can not afford to lose my money. 

Thank you for your time, -XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC
State: GA

Complaint narrative:
Allied interstate llc contacted me by mail trying to collect a debt that was already paid. The credit card company in question went bankrupt and was sued for bad business practices. The card was a secured card. When the account was closed the security deposit was used to pay the debt but they would hold closing the account for 2 months and let it incur fees then close the account later. XXXX was put out of business for those 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 non-monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: IQOR US INC
State: MI

Complaint narrative:
To whom it may concern : Allied Interstate is attempting to collect a debt that was included in the bankruptcy which was discharged XXXX/XXXX/2015. This is the second time that a collection company is attempting to collect this debt for XXXX. 

About a month ago, I filed a complaint against Allied in XXXX XXXX, Nevada who even reported me to the credit bureau causing my score to plummet XXXX points. Because of the CFPB, Allied removed it from my credit report, however, the score never fully recovered. 

This is harassment that I am getting 'bounced around ' from XXXX collection agency to the next. Attached is the letter they sent me. I spoke with XXXX and XXXX yesterday regarding the bankruptcy. I hope this is the final letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief