vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: IQOR US INC
State: IL

Complaint narrative:
My direct loan is in default. Allied Interstate has my loan in collections and I have been making payments for 15 months. All of my payments have been applied to interest, fees & charges while no percentage of my payments have been applied to the principal. Allied is telling me that I can not rehabilitate my loan or ever get it out of default without settling in full. 

1. The guarantor still has my loan. I have repeatedly contacted my servicer and I tried to work out a rehabilitation, but they wo n't work w/ me. Allied Interstate is not operating with my best interest in mind. Why am I not getting other options? 
My loan is federally backed. Allied Interstate could cash this loan out at 100 % with the XXXX and get fully compensated. I could become eligible for an income based program if they did this. 
They could offer me rehabilitation. 

2. In XXXX, I should have been directed to sign a master promissory note of some sort, but where is the form with my signature? I have no record of consolidation. I was not properly informed and I do not remember signing a document for the consolidation that occurred in XXXX. 

3. On XXXX XXXX, I went into default. However, from XXXX XXXX, XXXX ( after rehabilitation ) through XXXX XXXX, I was not provided a new payment value so I had no way of knowing that I had a payment due. I should have been told I owed payment. 

4. In XXXX of XXXX, XXXX held hearings on the mismanagement of student loans. I understand this is a current hot political issue because it has big consequences in the lives of constituents. My creditor is not acting in the interest of me, the customer. XXXX is only applying my payments to interest and fees while my loan remains indefinitely in default. As a result, I can not go back to school, I can not buy a house, and I can not get a loan for a wedding ring while my loan is in default. My life has been crippled. 

.

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 2017-02-27 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: IL

Complaint narrative:
Debt has not been verified, no contract or signature provided.

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 2016-11-04 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Caine & Weiner is collecting on an insurance policy that does not belong to me and was opened up without my authorization. TGhey 're collecting for XXXX XXXX. I have sent over a police report and FTC Affidavit stating this is fraud and to cease collection. The item was removed from my account on XXXX/XXXX/2016 and was re-inserted by Caine and Weiner on XXXX/XXXX/2016. They stated on a previous issue that they would be removed but they re-inserted it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
I applied for a mortgage loan modification with SLS, LLC. The process began over a year ago. After countless phone calls, mails and faxing of my personal information they finally approved a loan modification that was reasonable and i was able to pay it on time. They entered me into a Trial Payment program. I paid it on time every month. I was out of town when SLS, LLC claimed they mailed me some documents that i needed to sign to finalize the loan modification. I never received them, i was n't aware of such documents they did n't call me or mailed me a second notice at all. They did call me about a month ago to tell me that I no longer qualify for the loan modification program because they did n't receive the documents they claimed were mailed to me. I explained to them that I did n't receive them, i searched everywhere in my house, even went to the post office to make sure they did n't have any mail for me. I asked them to please resend the documents and i will sign them and send them back thru certified mail. The representative from SLS was very rude to me and she stated that i no longer qualify for anything at all, and that no one can help me with this and that they are going to proceed with a foreclosure on my house. She said you can fill out another request for a loan modification but that, I will be wasting my time because, I do not qualify for anything. Things happen, mail can get lost, I do n't understand why they refuse to help me, nor understand that the mail could have gotten lost. I have made and continue to make my new modified mortgage payments every month. It makes no sense that they are not willing to help me they rather take my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS Mortgage Company has issued an incorrect XXXX the interest stated is 50 % less than what was payed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
my loan was transferred or bought by specialized loan services XX/XX/2014. since this loan was transferred from XXXX mortgage it has been marked 1 month behind to the credit bureau for 23 months.I have repeatedly sent proof that I was not late on my payments. there was a mishandling of my funds for almost two years. It has obviously affected my credit and financial wellbeing and continues to do so. Specialized loan service has been unwilling to work with me on this issue even though they have repeatedly admitted this is their mistake to myself and XXXX. Sls is light years beyond the worst company I have ever worked with or heard of. Their negligence is by design. They are a predatory lender who preys on ''sub-prime '' loans. It is clear to me they have something to gain from manipulating peoples financial lives to foreclosure., As of right now they have corrected the payment issue but have n't corrected my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Our previous mortgage loan servicer, Specialized Loan Servicing LLC, has denied receiving our payments during the past ten months. This is despite our continued on time payments. ( We do have bank statements showing receipt of funds, dates and check numbers. ) The new loan servicer is XXXX XXXX XXXX SLS refuses to discuss the status of this loan with XXXX who needs to have the payment record to fund our new mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
Wakefield & Associates took more than 5 days to send a " verification of debt '' letter from first contact. I had to call back 2 times after the initial call to gain a letter. I disputed the debt immediately when I requested the validation of debt letter. More than 3 weeks later, I received their verification letter. I responded in writing via certified mail within 30 days requesting further information, and also in written request that further communication be done in writing. W & A has continued to call on my cell phone, neglecting my request to further our communications in writing. It has been more than 30 days since they have received my letter, and they have not provided any further information. I would like this matter resolved as they continue to call me demanding the debt and have not validated that I own the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS Specialized Loan Servicing, Colorado, does not apply the principal payments I make towards principal but considers it a regular payment. Then they do n't withdraw my automatic monthly payment but move it to later months. That way the company benefits from the spread and I do n't pay down my mortgage. There is no response to emailing the company through their automatic system. It is unclear all the changes they make to my mortgage. This company misleads the consumer. This is not my first complaint to SLS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: SC

Complaint narrative:
Halsted debt collector calls me 10 times a day. The phone rings and they hang up after I answer. I use this line for business and it happens repeatedly. I have to call them before they will talk to me. I have asked them to remove this number and cease to call it, but it is continuing to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 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: NJ

Complaint narrative:
I have a loan with Specialized Loan Servicing for nearly 10 years. The loan payment increased as a result of the GOING TO TERM from Interest Only. The XXXX payment was made via AUTO BILL pay for XXXX versus XXXX. The XXXX payment was received before due date and once we realized that it was less the the minimum I contact SLS and made a payment for the balance prior to end of GRACE Period. SLS is taking XXXX of the payment for maintenance and not my full payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fairway Independent Mortgage Corporation
State: ID

Complaint narrative:
During my first initial talks with Fairway Mortgage ( XXXX, ID office - XXXX ) I explicitly asked how twice monthly payments would be applied. I was they would be applied once received less a few days for processing. I even went-on to press the point, given that my mother 's mortgage will take her payments whenever, but they wo n't be applied until they are due. Thus, sending twice monthly payments does nothing ; the loan servicer has her money, they continue to charge her interest, and her payments do n't reduce her mortgage until they are due. I cited this exact example and he said no, that is not the case. He even went-on to voice confusion and concern for my mother 's mortgage ; I explained that it 's about 15 years old and maybe that has something to do with it. This was a point for me, as we make twice monthly payments in-order to shorten the life of our loan ; this mortgage is my only debt, I purchased a 15 year mortgage ; I want to be done with it ASAP. 

My loan was then sold to XXXX. 

After many requests by XXXX, I have received a full amortization schedule ( they had been providing me summary information ). Details of my payments show that my payments, just like my mother 's, have been received and cashed as received ( twice monthly ) but once again have not been applied to my loan until due ( or until both payments have been received ). I voiced my concern that this was not what was sold to me, this will add hundreds in interest, and many months to our loan. At this point, they directed me back to Fairway. 

After contacting Fairway ( XXXX is no longer employed there so I spoke with his manager, XXXX ) I was told that it is up to XXXX how to apply the payments and they do n't have any control over that. I pressed the point that I signed a form, along with the numerous other mortgage forms, OK'ing Fairway to sell my mortgage ( which they did to XXXX ) only if the terms and the loan does n't change. Although my interest APR did n't change, the way in-which it was applied did. Which equates to a change. Fairway disagrees. When asked who to contact, Fairway directed me to their corporate office and made no mention of CFPB.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Northstar Location Services, LLC
State: MD

Complaint narrative:
Northstar Location services LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted my phone on a XX/XX/2017 and a voice mail. I listened to the message. 20 minutes later I called my father in XXXX, XXXX hours diffence to say hello and he told me of this company calling him in regards to collecting money. 
He provided the contact info left for me to return the call which I immediately did, upon speaking to the debt collector she informed me of a balance unherd of that didnt match my balance owe that I am in dispute now over and said I could settle with her. 
In response to her offer I asked how and why she called my father and she lied explaining that she had his number and name contact from original loan statement. I told her that wasnt true because I remember that he was not a co-signer nor a contact for reference. The call ended right there and I was sent from this company the original copy of loan with out his contact information ( I dont know if that was an appology or a threat? ) and a collection statement. 

This is the third company trying to collect a bill that I have been disputing for over 9 years. I need closure and this should end. 

My request from this complaint is a conference call with free legal assistance to the loan owner about a reasonable payoff for debt. 

I have paid a certain amount and expect everything I gave to be recognized. 

The arbitration factor to the clauses in my loan agreement look really attractive right now so I need to make a decision.

Company response to consumer: Closed
Consumer complaint received 2016-02-16 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:
In approximately XXXX, 2015 I was sent a letter by Specialized Loan Servicing asking for payment on a zombie debt/mortgage. The last communication I had with the original mortgage company was more than 8 years ago in which I sent them a qualified written request and they sent me nothing to verify the debt -- the statue of limitations for ALL debt in CA is 4 years. I was sent a XXXX by Specialized Loan Servicing and I spoke with XXXX XXXX XXXX who said that the lien would still stay on my property and that I would have to pay it off ; however they were not servicing the debt and have written if off with a XXXX. Although I explained the IRS says that the original collector had 36 months to send me a XXXX, Specialized Loan Servicine should not have sent me XXXX as the debt is 8 plus years old. I asked for information on the previous loan and he refused to provide it over the phone and he would not correct the 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 2016-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
In or around XXXX 2015, Specialized Loan Servicing inaccurately reported my XXXX 2015 loan payment as 30 days or more late ; however, my payment was not late as it was made on XXXX XXXX, 2015. Specialized Loan Servicing failed to credit my account on the date of receipt in violation of the Code of Federal Regulations ( CFR ), specifically 226.36 ( c ). The CFR specifically states " no servicer shall fail to credit a payment to a consumer 's loan account as of the date of receipt, except when a delay in crediting does not result in any charge to the consumer or in the reporting of negative information to a consumer reporting agency. '' As a direct result, my consumer credit report was adversely impacted resulting in higher interest rates on credit cards and loans. Moreover, I was also turned down for credit.

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 2015-08-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: United Student Aid (USA) Funds
State: TX

Complaint narrative:
USA fund had placed me in collection as charged off debts in which I have nothing to do with this company. The amount of charge off was placed by USA funds are : $ XXXXand {$2600.00}. 
Thank you for for time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: PA

Complaint narrative:
I obtained a total of {$31000.00} in federally backed student loans thru XXXX when I graduated. The loans grew to a total of {$41000.00} by XXXX. In XXXX, I consolidated the loans for a total of {$31000.00} at 8 % interest over 186 months ( 15.5 years ), with lower interest rates after XXXX on-time payments. Automatic payments of {$260.00} started in XXXX and steadily rose to {$280.00} by XXXX. These payments have been deducted from my bank account continuously through today, XXXX/XXXX/XXXX. After 10 years of solid on-time payments, I went to check on the remaining balance so I could pay off the loan. After 10 years of payments on a 15 year loan, the balance should be minimal. I was horrified to discover that the remaining balance on my loan remains at {$26000.00}, with an expected date of XXXX for payoff! And, they have considered the loan delinquent for that 10 year period. After 10 years of monthly payments, only {$5000.00} has been applied to the principal. On an original loan of {$31000.00}, I have paid a total of {$87000.00} : {$52000.00} in principal and {$33000.00} in interest!! How is that possible? How does a 15.5 year loan turn into a 30 year loan? I 'm retiring in XXXX and will still owe student loans even after paying on them for my entire working career. I 've borrowed the same amount of money for a vehicle and that amount was paid off in four years. If this continues at this pace, I will pay AES more than four times the amount of the original loan far beyond the original 15.5 year payment plan. I have paid over {$200.00} a month in interest alone over 10 years, with that amount only reduced slightly to {$170.00} a month. AES refuses to explain the process or discuss an audit of my account to account for all the monies paid. AES needs to explain how this happened, how my payments were applied, why the principal balance has not dropped, and why I will pay almost 30 years on a 15 year loan. Complaints about this very process are numerous and easily found on the internet. AES should be held accountable for their dirty business practices and unethical behavior. Students will never " get ahead '' or experience the American Dream as long as companies like AES can continue to operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Someone from XXXX XXXX ( SLS ) was breaking into my property and was aggressively threatening a tenant on the premises that they were there to remove all of the personal property. She was frightened and stressed to tears. SLS was obviously attempting to illegally confiscate the property, with a secondary goal to terrorize ( rude, threatening, yelling untrue statements, showing false documents, etc. ) the tenants to prematurely terminate their lease. Their ultimate goal is to avoid mediation and fair negotiation of the purchased debt. Only my contacting the Dept of Justice and the property 's escrow attorney stopped their action. Contact by the the aforementioned attorneys caused the SLS attorney to write a disingenuous denial of knowledge of hiring the " henchmen ''. This illegal flexing of muscle was purposefully executed 1 day before a scheduled mediation date for a loan modification. Thank goodness a neighbor questioned the " thieving henchman '' before they gained entry or changed locks.

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 fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Submitted a short sale offer to SLS Loan Servicing. Had to resubmit over XXXX times until acknowledged. Made over XXXX phone calls to SLS and have all contact numbers. Short sale finally approved and then still want info. can not get anyone to return phone calls and impossible to find status of file. No cooperation at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation