vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: STATE FARM BANK, FSB
State: NC

Complaint narrative:
Due to medical problems I set up a Hardship Program for payment of a credit card with State Farm Bank and I provided full documentation of my medical status and income and financial assets. I agreed to pay a monthly payment at a reduced interest rate but my account was turned over to a collection agency who began calling me to pay a higher amount than what I owed. The collection agency is XXXX, XXXX. XXXX XXXX XXXX Oklahoma, XXXX ( Account # XXXX ) I have been a good customer of State Farm for over 20 years and have never had a problem until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: STATE FARM BANK, FSB
State: OH

Complaint narrative:
I co signed a loan for my daughter in law. When they did the loan they put me as the principle buyer and her as the co buyer but they put the title to the car in her name because she was making the payments and she gave up car up as trade in. I went to refinance the loan because she was filing bankruptcy and I did n't know how that would effect my credit. I told the lady at State Farm XXXX that I did n't know if it could be refinanced because of the way the car was titled in her name. She called us back and said there was no problem and we could come and sign the papers, my husband and I. My daughter in law called and asked her how she could do the loan with the title in her name did n't she need her to sign off on the title and she said she did n't need anything from her. So after XXXX days and still not receiving a memorandum title I called XXXX XXXX again and talked to XXXX XXXX the lady that did the loan she said she would call the bank. She called me back and said the title was at the title agency and that I would need to have my daughter in law go with me and sign the title overt to me that it was a clear title in her name. I asked why and she said that 's what had to be done. I told her before this even took place if this could n't be done to let me know. So now my daughter in law has a clear title to the car and the car and I 'm stuck making the payments. I had XXXX XXXX Bank investigate this and which has been going on since XX/XX/XXXX. Yesterday XX/XX/2016 Mo the recovery team person I 'm dealing with said he heard from the legal team and they were going to unwind the loan and reverse it and have the orginial lender pay them back the money they paid to refinance the loan. Today State Farm Bank called my daughter in law and asked her to assume the loan for the original refinance price at 0 % interest for which her attorney told her not to sign. I do n't feel I should have to pay for the incompetency of XXXX XXXX with State Farm XXXX because she did n't do the loan correctly. She was told numerous times the title was in my daughter in laws name and now because I have it investigated she stated she was never made aware of this. I told her and so did my daughter in law. ;

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Plus Inc
State: GA

Complaint narrative:
I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my XXXX, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. The company has not replied nor provided supporting documentation to validate the inquiry or removed the inquiry. 
Therefore, I am seeking your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: FL

Complaint narrative:
I was residing in Connecticut at the time of the incident in which I was hospitalized. And so now I reside in a different state I lost track of that account I would like to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc.
State: GA

Complaint narrative:
I received an insurance check from XXXX insurance for minor damage done to our vehicle. I deposited the check in to the ATM not realizing that the lien holder ( CarMax ) was on the check as well. The bank is now holding the funds unil CarMax writes a letter on letterhead stating that it allows us to have the funds. I have gone back and forth numerous times with CarMax and they have said that no such letter head exists and they are unable to do what I have requested. Because they wo n't do it, the money is just stuck in limbo. I would think they would want the car fixed considering they are he lien holder on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY

Complaint narrative:
{$1500.00} XXXX XXXX billing sent to collections, while in talks with original billing company. When I first received a call from Wakefield attempting to collect on outstanding debt on which they added {$300.00} of interest to. After a couple of phone conversations with Wakefield, within the first month of the first contact with them, Wakefield asked that I send in a formal dispute with name, explanations, offered amounts, ect. I faxed the letter next day as well as certified mailed a copy to them, which they received two ( 2 ) days later. I never received one more phone call or mail correspondences since, and still have not to this date. 

Not until I had my credit report run was that it has been brought to my attention that I had a outstanding collections on my credit report from Wakefield, which has been active for 8 months, and is noted as under dispute. 

But Wakefield never responded to my dispute letter ( faxed & cert mailed ) nor have they ever contacted me again to collect. 

Note : I never said that I did n't owe anything, my insurance company first billed this as " IN-NETWORK '', showing I owed {$170.00} that was rejected by original medical billing company. then insurance billed at member rate for " Out-of-Network '' that was rejected. I did n't choose my anesthetist for my procedure, I did choose a IN-NETWORK doctor and Medical facility to have it done. I was firm in my dollar amount that I considered fair for the outstanding bill from the very beginning with both the original biller as well as Wakefield & Associates. 
Never was any document provided stating that Wakefield had the right to add interest to the amount, & XXXX response or follow-up regarding my dispute letter faxed/mailed. Then reported the debt to the credit bureau and has never made any contact attempts since disputed eight months ago.

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 2016-01-07 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
As far as remember i did not recall apply for such loan or either receive one.But for some reason i have received an email about an arrest warrant for that loan i was never contact either by mail or by phone from such company.All over sudden they told me i owed the {$1000.00} which i did not get from them. Unless its a problem of identity theft, cause this letter sound like threat to make me pay something i never had from them.Your help in this matter is very important to me cause i really do n't know and understand that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Halsted Financial Services, LLC.
State: MI

Complaint narrative:
Threatening to contact my place of employment to garnish my wages without a court order. Telling me I 'm dumb and should just pay them. Continual calls daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 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: Triton Management Group, Inc
State: AL

Complaint narrative:
I have an installment loan with Always Money in which I pay off on line. The payments are due the XXXX of the month, and II paid the XX/XX/2017 payment on XX/XX/2017 via debit card with a confirmation. I did receive an error message that the balance could not be updated. My bank stated that it cleared on XX/XX/2017 ; however, this store manager keeps calling me -- several phone calls on caller ID which I thought was telemarketing calls. Today, I answered the number and it was this store manager stating that I must pay on my loan because there is no record of my payment for XX/XX/2017 and that I am in default. I, immediately, stated that I should do a fraud alert with my bank because someone within Always Money must have taken it, and he stated no with a condescending-superior attitude. I stated that it was cold in my home -- heat pump problems. He wanted me to go out to the bank and do his research, but I refused. He kept stating that there were several banks in my area and I must go get a printout from the bank. I had just gotten home, my house was cold, recently completed XXXX, and he wants me to go out again driving on these icy roads to fix his problem. He then stated that a missing payment will hurt my credit, and I am thinking " why is he saying this to me '' because I always make my payments online and on time. I explained to him that I, also, have medical issues, and he stated that " you have all kinds of problems. '' I abruptly hung the phone up and tried calling corporate but call went to VM. I then called the XXXX, AL location and the manager there stated that she would research the problem and that it is not up to me to research the problem. This store manager in XXXX, AL is abusive, unprofessional, and not good at keeping records because the payment was made on XX/XX/2017 and cleared my bank on XX/XX/2017. Always Money should not be harassing me and criticizing my medical issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
HELOC monthly loan payment adjusted from {$130.00} to {$440.00} in XXXX 2016. We were experiencing excessive obligations/household expenses prior to the payment increase which caused delinquency, but the SLS payment increase made the situation even worse. I submitted an assistance package to SLS explaining the situation including supporting documentation. After it appeared the modification request was in process additional documentation was requested and provided ( same day ). Over a two week period I attempted to reach my single point of contact on at least XXXX occasions with the only option being to request a callback. Once I spoke with the contact ( XXXX-5 times ) it was unclear what was still required. It only stated " Hardship Verification '' and my single point of contact had no idea what was needed. She was never able to advise or follow up to let me know what the underwriters were looking for. I called today ( XXXX ) and was able to access another SLS employee ( first time I was ever able to reach a human when calling ). Was on hold for XXXX30 minutes while she tried to confirm. Finally she advised the increased HELOC payment was not sufficient to justify a modification or other form of assistance. I offered to send in billing statements of all my other obligations to show/prove the excessive obligations but the SLS employee advised " that wo n't work because your already said the increased SLS payment was the hardship & per your loan agreement the payment adjustment itself is not a hardship. '' It is becoming painfully obvious SLS is a predatory lender who has no intention of providing assistance, including loan modification, for a distressed consumer. I am going to submit billing statements of my current obligations as a last ditch attempt to beg for a modification. We are currently XXXX60 days past due and approaching foreclosure status ( at 60 days they have typically sent a foreclosure threat letter ). We feel that if the payments were closer to the original amount, or even slightly higher, we could regain our financial footing. 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 2016-06-01 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: FL

Complaint narrative:
My husband and I have a XXXX mortgage with Specialized Loan Services out of XXXX Colorado. My husband had a business issue and had to file a chapter XXXX, but did not charge off this debt and has repeatly requested a reaffirmation, from the attorney and from himself. We understand that is option, however, I did not file and BK and I am the co partner on this loan. We have continued to make payments and all payments are current. They refuse to give me a statement, the have issues every month applying the payment in the right place and they will not respond to my request for a statement. So we understand, this is a clear violation of the new laws/rules, that they have no reason, not to provide me with a statement and apply the payment correctly and we do not understand, why they will not provide a reaffirmation agreement, but since we can never reach anyone, this has been difficult as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
Northstar Location Services continues to call despite the have the wrong person. I 've told them they have the wrong person ( same name, different DOB ). They ca n't find the phone number they are using to contact me. I 've told them this twice and I continue to receive daily or multiple calls a day. This is harassment.

Company response to consumer: Closed
Consumer complaint received 2016-03-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANCO POPULAR DE PUERTO RICO

Complaint narrative:
Our company XXXX XXXX XXXX XXXX, Receive customer that pay with stolen credit cards. For buy safe vault ( The Customer XXXX XXXX XXXX ( phone XXXX ) Ask for the service of pick up and delivery safe by the company XXXX.contact person XXXX XXXX with phone XXXX for the quantity of {$26000.00}. Banco Popular of Puerto Rico do the wire transfer from our account XXXX to the Bank XXXX XXXX XXXX on XXXX with the account XXXX. The transfer the money Knowing that until XX/XX/XXXX this fraud scheme is occurring in Puerto Rico, with the banks. The send a Letter telling abount that., whatever do the transaction and transfer the money. Now Banco Popular says that is impossible to ask for refund de money, because the do n't have the enough information. But when they do the transfer have the '' enough '' information. Banco Popular fill a complete form, with all the information to do the transfer ( Beneficiary Bank, Beneficiary Name, Account Number, Swift Code, Address ) All the information. If they have identified the Bank and was good this information to send the money, it have to be good to ask for the recovery of money. Banco Popular tell " no '' You need to pay. But we dont withdraw the money, The transfer it. We contact FBI on XXXX XXXX, 2016 and open a complaint with the Agent XXXX XXXX. for do the investigation. We understand that all the transaction on the bank have an inssurance, if it really a fraud.

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 2016-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
While closing mortgage, Specialized loan servicing LLC deducted extra future months interest and refused to return the excess interest. 
Payoff quote from Specialized loan servicing LLC on XXXX/XXXX/16 stated the total amount due was {$390000.00} which includes interest up to XXXX/XXXX/16. 
When XXXX XXXX XXXX XXXX tried to payoff the loan, the title company wired the amount of {$390000.00} which include the interest up to XXXX/XXXX/16. Specialized loan servicing LLC did not process the payment as payoff, instead deducted three months of interest and treated the rest amount as additional principal. The XXXX deducted interest amounts on XXXX/XXXX/16 are : {$1200.00} for XXXX, {$1200.00} for XXXX and {$1200.00} for XXXX. And the loan status changed with the principal balance remaining as {$5200.00} along with the escrow balance of {$3600.00} as of XXXX/XXXX/16. 
As suggested by title company, we went ahead to payoff using the new payoff quote as of XXXX/XXXX/16 which is amount of {$1600.00}. We wired the amount of {$1600.00} to the specialized loan servicing and the loan is closed on XXXX/XXXX/16. 
We expected to receive the excess interest payment refund of XXXX for XXXX plus the interest difference after XXXX/XXXX/16 however we received only {$61.00} for the interest refund. 
The amount of {$1500.00} should be refunded as the excess interest paid for non existing loan amount. 
Our calculation for remaining excess interest taken from title company 's payment on XXXX/XXXX/16 : ( From payoff quote ) daily per diem interest amount as of XXXX/XXXX/16 : {$41.00} ( From payoff quote ) daily per diem interest amount as of XXXX/XXXX/16 : {$0.00} Excess interest for XXXX ( $ XXXX {$0.00} ) XXXX {$360.00} Excess interest for XXXX : {$1200.00} Refund from payoff : {$61.00} Remaining excess interest to be refunded : {$1500.00} ( $ XXXX $ XXXX {$61.00} ) Specialized loan servicing also refunded XXXX XXXX property tax payment amount of {$4800.00} which was deducted from the escrow account on XXXX/XXXX/16 however the tax payment did not reach to XXXX XXXX XXXX before the title company 's payment which was made on XXXX/XXXX/16. We have contacted XXXX XXXX and the only XXXX XXXX received was from First American title company and there is no evidence of Specialized loan servicing 's payment. 
Specialized loan servicing is stating that the refund check of {$4800.00} also includes the excess interest refund however it is not true. The interest refund is still in short of {$1500.00}. We would like to request a refund check of {$1500.00}.

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 2016-11-18 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:
To Begin, On XXXX, XXXX XXXX XXXX filed a NOD, notice to foreclosure, than SLS became mortgagee as of XXXX/XXXX/XXXX, or a few days later on our property at XXXX XXXX XXXX XXXX Ca, XXXX, for over {$43000.00} and forced us me and my wife ( XXXX And XXXX XXXX ) into a chapter XXXX Bankruptcy filing date was XXXX/XXXX/XXXX case number XXXX, we paid the trustee and SLS ( specialized Loan Servicing ), we paid every month on time, while in payment plan SLS, records a notice of rescission, we ( XXXX and XXXX ) have a proof of claim recorded for {$6200.00}, SLS was called by XXXX, SLS indicated months we were behind after notice of rescission *, we then paid SLS, both payments, the mortgage payments and the {$6200.00} in the payment plan, at discharge all payments were made to SLS for regular mortgage payments and {$6200.00}. 
Now case is discharged see attachments, we receive latter dated ( XXXX XXXX, XXXX ) stating we owe {$42000.00}. Our account is current, as XXXX/XXXX/XXXX we have been getting statements from SLS that indicates our balance, the last statement we received on XXXX/XXXX/XXXX indicates our XXXX payment is {$2800.00}. When we received this letter this past Saturday ( XXXX XXXX ). Imagine how we felt when reading this letter, knowing it is totally wrong and inaccurate. 
As Mentioned above, this has happened to us in the past with XXXX and SLS, going back to XXXX. In XXXX XXXX, filed an NOD [ notice of default ] indicating we owed over {$40000.00} in past due amounts, and we had to file for Chapter XXXX Bankruptcy to save our house, when we never owed that amount. We were in BK for years, and were discharged early this year. We have NEVER EVER MISSED A PAYMENT, and so here we are again with a letter threatening to " Default Notice and of Intent to Foreclose '' and stating we owe {$42000.00} when we clearly received a statement stating our XXXX XXXX payment is XXXX. What is the problem, it 's like someone or something is not communicating within SLS this company is frustrating, the holiday season here we just want to live in peace in our home and not receive letters indicating Default Notice and of Intent to Foreclose, when we are current with our payments, especially when we just received a statement indicating we are current? 
A different issue with SLS, is charging a late fee of {$100.00} for XXXX XXXX payment, the payment is due on the XXXX of the month with a grace period to the XXXX of the month, if the XXXX is on a non-banking day payment is due the next banking day which was XXXX/XXXX/XXXX, the date of payment. 

XXXX XXXX did not agree to the amount, but a POC was filed for {$6200.00}

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