vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
Frequently called asking for the contact info for my " legal counsel ''. Have not responded to my multiple requests for detailed documentation that I owe this debt. Have continued to call and leave threatening and vulgar messages even when I requested they not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
We have financed XXXX vehicles through American Honda Financial services AHFS ). We make monthly payment on XXXX vehicles by ACH from XXXX XXXX XXXX XXXX. In XXXX of 2016, AHFS sent through XXXX payment requests for each vehicle ( I understand this happened to many people ). They quickly sent through a correction and our bank statement indicates we made XXXX payment on each car in XXXX. In late XXXX I began receiving massages from AHFS that just asked me to call them back. I was able to finally do that on XXXX XXXX. I had no urgency as they did not tell me why they were calling and I had no reason to think there was a problem with my account. On XXXX XXXX, they informed me that I was delinquent on XXXX of my vehicles as they had not received the XXXX payment. I told them that my bank shows that I did make the payment. They asked that we send them our bank statement and proof of payment. This was faxed to them on XXXX XXXX or XXXX. I called them on the XXXX and was told they had the documents and the payment would be posted. On XXXX XXXX I received another call from AHFS saying the payment had not been posted and we are concerned they are going to send this to collection. I have asked for this issue to be escalated with AHFS and I can not find a senior person there to talk with to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
I want to file a complaint against State Farm Bank. State Farm Bank has placed XXXX 30 day late payment charges on my credit report when they should not have done so. The first 30 day late payment was placed on my report in XXXX of 2014. After speaking with more than XXXX customer service representative I made a payment which did not post that day ; it posted several days later causing the payment to be late. The representative provided me with the wrong cut off time, thus causing me to assume I could make the payment at a later time. Their payment posting system causes customers XXXX to lose several hours of payment posting time. I wrote a letter to State Farm and asked that they review the phone conversations with it 's representatives, which were several in number. They said they reviewed the calls but did not state whether they found the conversations. The second 30 day late payment came last month. The payment shows that it was made on a particular date, but they posted it on the next day, which is still not 30 days late. They posted a payment on the same date exactly one year earlier and did not place a 30 day late payment on my credit report. I currently have XXXX loans and State Farm is the only Bank that I have had issues with. I have been a customer of State Farm for 27 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Acura Financial Services sends me bills with little time before due date every month, just today XXXX/XXXX/2015 I received a bill which due date is XXXX XXXX, 2015 ; the are not complying with all financial institutions regulations to provide bills with XXXX weeks prior to due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: VNU Group, LLC
State: NC

Complaint narrative:
I placed an order with XXXX also know as pacific credit group and was promised a XXXX5 day shipping. This did not happen and I called them a week after the order was placed to cancel and was told it was. They then proceeded to ship the item against my wishes and I called before the delivery to tell them to return to sender as I would not be in he state and nobody would be home. The package was delivered to the wrong address with ups has handled the claim and was to handle it directly through emporium/pacific credit group. They are calling non stop daily and at very unreasonable times some at XXXX and some at XXXX at night. I have mailed them a letter to stop this and they were to have escalated this to multiple supervisors multiple times and nothing is being done about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 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:
I am filing a complaint against Specialized Loan Servicing LLC ( SLS ). At best, SLS has a faulty billing/payment process. At worst, the SLS 's billing/payment process was intentionally designed to charge their customers additional interest and late fees. 

The HELOC loan my wife and I had with this company was at the end of its term, due date XXXX/XXXX/2015. I sent in a final payment to cover the remaining balance for the XXXX/XXXX/2015 billing cycle. SLS received this payment into their account on XXXX/XXXX/15, the due date for the given billing cycle. SLS is now claiming that we still owe {$95.00}. This loan should be closed and the balance set to XXXX. 

This was not the first time that SLS has made an error in their collection process and attempted to charge us for their error. Our loan was sold to SLS within the last year. The first payment that we made to SLS on this loan was recorded as a principal payment rather than a monthly payment. SLS attempted to charge us a late penalty for that given month. My wife had to call SLS to have them register our payment as our monthly payment and to have SLS remove the late penalty. 

With this latest error, I am convinced that SLS ' errors are actually part of the company 's business model - SLS makes errors and then charges unsuspecting customers penalties for SLS ' errors. 

Here is a timeline of my final payment to SLS:XXXX/XXXX/15 - mailed final payment to SLS in the form of a check. 
XXXX/XXXX/15 - the check was deposited by SLS, check is stamped " RECEIVED XXXX XXXX 2015 Teller XXXX ''. ( Please see attached image of check ) XXXX/XXXX/15 - amount of final payment was deducted from my bank account, based on bank account records. The payment was due on XXXX/XXXX/15, SLS received my payment on XXXX/XXXX/15. 
XXXX/XXXX/15 - received XXXX letters from SLS. XXXX stating that there is a remaining balance of {$62.00}, another stating that there is a remaining balance of {$95.00}. ( Please see attached image of letter requesting {$62.00} ) XXXX/XXXX/15 - called SLS at XXXX PT. Spoke to a XXXX, she transferred me to XXXX. Requested that the loan be closed and the balance be set to XXXX. XXXX said that we still owe the balance of the loan. I stated that I am not paying SLS another penny. 
XXXX/XXXX/15 - received XXXX letters from SLS. Both of these letters state that we owe {$95.00} on this loan. ( Please see attached image of letter requesting {$95.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: BANCO POPULAR DE PUERTO RICO

Complaint narrative:
Repeated calling more than once a day. I remind collector the same thing each day called and even explained options available. I have requested not to be contacted at such frequencies due always the calls are at working hours. Creditors are also calling family members. Some operators have even escalated tone of voice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I am really concerned and honestly afraid. My loan was recently sold to SLS Mortgage - Specialized Loan Servicing from XXXX XXXX XXXX. My monthly payments are {$1400.00} a month. My principal balance was XXXX on XX/XX/2016 I made an {$8000.00} payment and asked that the rest be put towards the principal. Today XX/XX/XXXX I went to look at the transaction history and it is a mess and says I owe XXXX and that they did receive and cash my payment. Please help. I called today and spoke to someone that wrote a note I the system so that I can be fixed and the guy was nice but so unprofessional. he used words like a, da, bummer. I have also never received a statement and I told the person as well and he was like a ok what kind of statement. I asked to speak to a supervisor and no supervisor. Please help, is t his a legit business?

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 2017-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ZINC Financial, Inc.,
State: CA

Complaint narrative:
MY MORTGAGE COMPANY DEFAULTED ME BECAUSE I FELL BEHIND ON MY PROPERTY TAXES, WHICH I HAD MADE ARRANGEMENT MY COUNTY TO MAKE PAYMENT MY HOUSE PAYMENT NEVER BEEN OVER 30-DAYS LATE, THE COMPANY CALLED MY JOB WAS VERY RUDE WITH MY CO -WORKER I WASNT IN, THEN THEY CALLED LEFT ME A VERY RUDE VOICEMAIL, THE ONLY REASON IM DEFAULTED YOUR CONTRACT BECAUSE OF YOUR CO-WORKER WAS RUDE, WHEN SHE WASNT SO I CALLED TO SPEAK TO THE PRINCIPAL OF THE COMPANY, THE LADY THAT HANDLE MY MORTAGE XXXX SAID HE DOSENT WANT TO TALK TO YOU, RIGHT AWAY THEY RASIED MY FIXED RATE FROM 7.5 % TO 28.99 % AND SAID IM CHARGING YOY XXXX INSPECTION FEE WE NEED RIGHT AWAY, I HAD BEEN UNDER ALOT OF STRESS WITH THE DEATH OF MY WIFE, MOTHER, BABY SISTER, AFTER THAT WE HAD A HEAVY RAINFALL WHICH DAMAGE MY ROOF AND BEDROOM I FILE A CLIAM MY INSURANCE TO FIX IT, GAVE THEM THE CHECK THEY TOOK THERE TIME TO ENDORSE AND SAID BY LAW WE ALLOWED TO GIVE PEOPLE THAT WORKING ON YOUR HOUSE 10 %, DOING ALL OF THIS I WAS GOING TO ANOTHER FINICIAL COMPANY TO PAY THEM OFF CAUSE EVERY MONTH I WAS SENDIND MY MORTAGE OF {$600.00} BUT SINCE DEFAULT ME 28.99 % MY STATEMENT WAS {$10000.00} EVERY MONTH SO THE COMPANY I WAS TRYING TO REFINIACE THROUGH SAID THEY NEVER HEARD OF THIS MATTER AT ALL, SO I REFINIACE MY HOUSE WITH THEM MY FORMER COMPANY TOOK THERE OWN TO GIVE A PAY-OFF I BELIEVE TO ALOW THE 28.99 % INTREST TO ACCUAMLATE, FINALLY COMPANY HAD TO DEMAND FOR PAY-OFF AND AFTER THEY GOT PAY-OFF, THEY WRITTEN OUT THE INSURANCE CHECK THAT MY INSURANCE COMPANY HAD SENT TO FIX MY ROOF AND INSIDE, BUT THEY WROTE CHECK LIKE IT WAS A REFUND OF MORTGAGE PAY-OFF, I BELIEVE IWAS TREATING WRONG AND UNFAIRLY, I HAVE A COPY ON VOICEMAIL HOW RUDE THE PRINICPAL OF THE COMPAMY, MY CO-WORKER WILL WRITE A STATEMENT HOW RUDE HE WAS CALLING MY PLACE OF EMPLOYMENT, AND HARRASED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Northstar Location Services, LLC
State: VA

Complaint narrative:
Different people from the phone number XXXX keep calling family members and friends, looking for me. They are asking for personal information and refuse to identify themselves or their company. They say a " complaint has been filed against me. '' All my bills are paid and are up to date. I have received no notices from anyone stating I owe them money. I want this harassment to stop. If they think I owe an debt then send me something in the mail and proof of any debt you think I owe. I found them to be debt collection agency by looking up the phone number on line.

Company response to consumer: Closed
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Lender is foreclosing on my home XXXX/XXXX/16. I have not received notices until XXXX/XXXX/16 as I was living with a friend temporarily and notices were not forwarded -- for over 6 months. Post office registered my new address, but documents did not reach me. They are now going to send me a modification pkg, but need 37 BUSINESS DAYS to review it, yet foreclosure is in less than 30 days! I need foreclosure delayed, postponed or canceled so I can complete required paperwork on their end. The lender told me their ATTORNEY was the one to contact to postpone foreclosure, and the ATTORNEY told me the LENDER has to be the one to postpone foreclosure. Please 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 2015-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: KY

Complaint narrative:
Specialized Loan Servicing reaffirmed our XXXX mortgage as we entered into Chapter XXXX bankruptcy in XX/XX/XXXX. We made ALL payments required during that time outside of Chapter XXXX. When our Chapter XXXX was concluded and discharged in XX/XX/XXXX, they showed me as discharged in Chapter XXXX with a zero balance, although I still owe {$27000.00} and continue to make monthly payments as of this very day. They continue to report each month that I am charged off and have a zero balance, although I pay each and every month on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: CT

Complaint narrative:
Company, Halsted Financial, calls 4-5 times per day. When I answer the phone the person on the other end says nothing and does not hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
The company calls me asking for the name of a person that has never lived in my home. I tell them no such person lives here and they say they will takethe name off the list.The calls stop for a few months and resume again. This has been going on for over 2 years. Now the company is sending mail under this persons name to my address and calling me everyday.No matter what I say, the calls continue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANCO POPULAR DE PUERTO RICO

Complaint narrative:
Unreported surcharges which appear in the mortgage report.

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 2016-07-20 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:
SLS has demanded that we pay flood insurance on our property. FEMA will not even allow us to purchase our own flood insurance because they state we are not in a flood zone. In the meantime SLS continues to charge a ridiculous rate of $ XXXX/year for forced flood insurance on our property. 
To make matters worse, we entered a modification agreement with them and was told to make our modified payment as a trial period. At the end of the trial period they sent us modification documents that included a balloon which was not the original agreement for a 30 year fixed. We now can not refinance because they state that we are 5 months late on our payments due to incomplete payments during our " trial '' period. We were never warned this would make our account delinquent when we entered this agreement.

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 2017-01-03 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 current mortgage serviced by Specialized Loan Service XXXX # XXXX ) recast or reset with payment increasing approximately {$2800.00} per month. I processed check payment and was {$200.00} short. Specialized Loan Service did not call me and leave a message or write to me that the loan payment was short. Instead, they reported a 30 day late payment which reduced my scores over XXXX points for my wife and I. Once my lender pulled credit, I called them and they refused to remove 30 day late. I have never been late ever on this loan

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 2016-08-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Had my mortgage refinanced through a modification program. Received the new payment amount and schedule and made the first, and all subsequent payments, in full and on time per contract. The company has reported the first 3 payments 120 days to all XXXX credit bureaus. I have filed several disputes with supporting documents and ALL have been denied and this company is unwilling to remove the negative marks from my credit. The payments they are claiming 120 days past due were all paid ON TIME and in the FULL amount owed. Please see all attached paperwork. I am filing in hopes that my credit report will be updated with the correct and TRUE information that I NEVER made a single late payment to this particular mortgage creditor. It is greatly and negatively affecting my credit score with false late payment information.

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 2015-08-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
I opened a HELOC in XXXX XXXX with XXXX, in XXXX XXXX it transferred to Specialized Loan Servicing. In XXXX XXXX i decided to refinance my primary mortgage and during th information gathering phase it was found that the HELOC is not recorded in the county I live in. On approximately XXXX XXXX, XXXX I began calling Specialized Loan Servicing to ask for a copy of this document. I have called each week since asking for this document to allow refinance to proceed, each week I get another person and another story. SLS document storage company seems to be in the land of the lost and no one can call or contact them other than via internal email. I was told to submit issue via fax to expedite ( attached ). I was told that a work ticket had been opened and due to close on XXXX XXXX, XXXX, when I called on XXXX/XXXX/XXXX I was told that ticket had been closed and another opened and scheduled to close XXXX/XXXX/XXXX. No one could tell me what or why. On XXXX/XXXX/XXXX I was told that the original consumer file had been ordered on XXXX/XXXX/XXXX, exactly one working day ago. No explanation as to why it was n't ordered 5 weeks or so prior and no time frame as to when I could expect resolution. At one point I spoke with a supervisor but vague answers where the same, on XXXX/XXXX/XXXX I asked to speak with that persons supervisor and was told that the only way I could reach them is thru the first level supervisor. Oddly enough that person is out of the office for an undetermined amount of time. I have filed a complaint with Specialized Loan Servicing home office and received a letter stating they will investigate in 30 days ( attached ). Now I have missed the closing window for primary mortgage due to all of the fumbling at SLS and its costing $ XXXX per month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I am a XXXX Veteran whose down on his luck, I am unemployed, I 'm in the arrears 10 months, and I am extremely frustrated with SLS my mortgage company. I applied for assistance back in XXXX XXXX when the loan was with XXXX, I checked the box, to keep my house, SLS picked the loan up in XXXX XXXX, and I still have not had a reply on my plethora of applications for assistance. I 've done everything they 've asked me to do in some cases twice ; I 'm at my wits end. My relationship manager has changed 3 times, XXXX is the latest, and sadly every time I call I get several prompts, only to hear a recording saying XXXX is not here today. I have left my phone # several times for a call back, the outgoing message indicates I will receive a call back within 24 hours and it never happens. I 'm having trouble sleeping at night, not knowing what is going on their end. I filed for assistances over 7 months ago, and after sending me endless letters asking for this form and that form, which I send everytime, but still no reply on what assistance program I qualify for. This is extremely upsetting to me, I want to stay in my home I 've lived in for over 17 years, I have gone XXXX, so that I can find a job, sadly I lost my job back in XXXX to no fault of my own, and I have cooperated fully, I 'm looking for a job. I 'm doing everything in my power to keep my house and get back on my feet.

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