vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-10 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS attempted and has extorted monies owed me from the selling of my property at XXXX XXXX XXXX XXXX, Tx. XXXX. I sold my property in XX/XX/XXXX. SLS was properly communicated with and notified by the buyers title company that the XXXX taxes were being transferred to, and paid by the buyer. Fully knowing that taxes are n't billed until XX/XX/XXXX, and due by XX/XX/XXXX ... SLS had just bought my loan from XXXX in the mist of my selling transaction, so in the hast to extort some monies out of the deal the XXXX added a escrow/impound advance balance to the closing cost statement in the amount of {$2600.00} fully knowing the above mentioned to them by the title company. In speaking to the Texas Tax Authorities NO XXXX taxes were paid by SLS on the property, nor was there ANY insurance payment made to any insurance company. The last taxes were paid by me in XX/XX/XXXX ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANCORP

Complaint narrative:
XX/XX/2015 I start a Loss Mitigation process with Banco Santander in Puerto Rico. 
This process Get complicated because of a Health condition that happen To me and after that My divorce. 
I keep contacting and providing a complete package For Loss Mitigation throught a representative while I was sick and thereafter contacting The Bank. 
This week a person from The court leave a Foreclousure note with My neighbors violating My privacy rights, and they, My neighbors turned that To me when I Came back Home How is that possible, that I asked For Help and now what THEY did was " spread My confidential information without giving me an opportunity and in violation of The fue process Please I need Inmediate Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
In XXXX 2015, the XXXX & their associates @ XXXX in XXXX, MO, failed to follow their protocol for obtaining pre-authorization ( s ) for my XXXX. 
They were notified by my Insurer, prior to my XXXX, that their requested pre-approval was DENIED, but they told me they had obtained the required approval ( s ) and they proceeded with my XXXX without notifying me of the DENIAL. 
They have since persisted in billing me for the XXXX, but have declined to persue their claim in court. Instead, they are attempting to extort me into paying money I do not owe - for their mistakes - by damaging my credit rating by filing Negative Reports with the credit bureaus thru 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 2017-03-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Central Credit, Inc.
State: NM

Complaint narrative:
I received the first attached collection notice dated XX/XX/XXXX around XX/XX/XXXX. Attached is the envelope it came in. I immediately called and was very adamant with " XXXX XXXX '' that this debt was in no way mine. I should have read your information about sending a written request for Validation. I did n't. I did know that she had 5 days to get it to me. No contact from collection agency until today, XX/XX/XXXX. I 've attached said Validation letter and envelope. This one is signed by a " XXXX XXXX ''. I have n't contacted them. I checked out this debt with XXXX whom I had cancelled at the end of XX/XX/XXXX. They, of course, had nothing to do with XXXX XXXX. I then contacted my current insurance provider, XXXX of New Mexico. XXXX had sent them this bill for {$310.00}. It was disallowed. The reference # for this is XXXX. I contacted XXXX XXXX. They have no record of this service. I contacted XXXX XXXX. XXXX was connected with them, but has not been working there for at least 3-4 years. I asked where he was and they had no idea.Since XXXX claimed this bill was for service through New Mexico XXXX, I contacted them and was informed I had a XXXX balance. I have attached a copy of said record of my billing since I began with XXXX XXXX in XX/XX/XXXX. By the way, on XX/XX/XXXX, I had a XXXX which was done at the XXXX XXXX. There was no XXXX XXXX ever at the New Mexico XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
MONTEREY FINANCIAL XXXX WRONGFUL COLLECTIONS PRACTICES FOR THE PAID IN FULL ACCOUNT WITH FAILURE TO VALIDATE THE ACCOUNT WITH DETAILS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
my name is XXXX XXXX XXXX i have XXXX mortage with sls with a 10.250 % have had this for over 10yrs i have tryed more than 2years fill out all kinds forms asky for the inerest to be lowered or refi they always say no why fill out forms if they were not willing to help the XXXX mortage is $ XXXX-was XXXX can you help with this i know the payment on {$150.00} -whn XXXX cause me to go bankrupt in 2009 i was late XXXX time now having to pay a little extra every month ths is a 30yr loan which i did not know until i went bankrupt if they new i could not get the adjustment why send form just say we can not help i need help please .this loan is not going down as it should.loan numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
My Name is XXXX XXXX with XXXX my main number is XXXX or email XXXXXXXXXXXX. I am a XXXX XXXX XXXX and I am working with XXXX representing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Loan Number # XXXX Last four of my SS # XXXX. 
Phone number XXXX Lender name Specialized Loan Servicing , LLC In order to finalized his file I need a Mortgage statement and the lender Specialized Loan Servicing , LLC is refusing to provide a statement because he filed Bankruptcy in XXXX even though it was discharged in XXXX they are refusing to gives us anything. 
The lender gave me a number for a XXXX XXXX that never answers and we have left several messages. 
Specialized Loan Servicing , LLC number is XXXX. 
All we need is a mortgage statement. 
He does have a sales date for XXXX XXXX, XXXX and we need to submit everything before 35 days from the sales date in order for Arizona Department to review the file. 
Thank you for your courteous and prompt attention.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
This was a HELOC ; I paid the final balance IN FULL, then am told I need to pay {$85.00} to " pay off '' the loan, including a " late fee '' of {$5.00} ( on an account with NO BALANCE, and interest of XXXX cents. A " statement fee '' of {$25.00} and a " recording fee '' of {$36.00} This loan was paid timely, in full and regularly ; however, it was SOLD to a third party, Specialized Loan Servicing XXXX., who seems is in the business of generating fees when they ca n't generate genuine late payments. The amounts are small, the principle is outrageous.

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 2015-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
The XXXX mortgage is with XXXX, and they approved the short sale with a payout of $ XXXX to the XXXX mortgage, with SLS. Investor is XXXX and the guidelines are VERY clear about the max payout. SLS is demanding $ XXXX saying that XXXX is the investor who is demanding a $ XXXX payout. I have confirmed with XXXX that they are NOT the investor for the XXXX, and that they will only allow $ XXXX. SLS is acting in BAD faith by lying, and my approval from the XXXX expires XX/XX/XXXX. I need to get the XXXX approved ASAP as this is a financed offer that needs a full XXXX days to close!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX is the creator of my current mortgage problem by giving my loan to SLS. 
The closing of my employer is also they cause of my financial problem right now. 
XX/XX/2008 I had a chapter XXXX bankruptcy but my house and my cars was not part of the bankruptcy I also informed SLS about my situation and request assistance they do n't respond attempt to assist me refuse to send me its impossible to get a hold of them when I call the customer service I get transferred to the tird party bankruptcy department and now without working out with me they want to take my home do to the all the XXXX was caused me it had a big tole on my health and I have XXXX and worring about my home is a big contribution to my XXXX I do n't want me and my family become home less but SLS is preparing that for us. 
SLS have such terrible rating that this is how they take peoples home refuse to help I am not allowing them to take my home period I need help now SLS is out of line

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 2016-12-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
I changed banks and forgot to set up an automatic payment out of the new bank. I paid my payment when I realized the error, but the institution charged me a late fee. 
The next month I sent XXXX payments to make sure I was current but they started calling about the {$20.00} late fee obsessively. 
I paid the late fee and gave them a confirmation number and a date they will be getting the payment. The calls will not cease. 
They have been calling 3 times a day, 3 to 4 days a week since XX/XX/2016. I have called them 4 times and each time they assure me I am off of the call list. I also get massive text messages and e-mails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: AL

Complaint narrative:
I have received repeated calls from different numbers, all with the name " Halsted ''. Nobody ever speaks, and when I call them back, I get an answering machine that blares music. 

DATE | TIME | CALLED FROM XXXX/XXXX/2016 | XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
The original transaction was with XXXX as evidenced in the enclosed documents. XXXX funded the transaction and the debt was owed to XXXX XXXX. However, upon completion of the transaction and subsequent attempts to contact XXXX, I discovered XXXX had ceased operations and had been indicted for fraud by the Federal Trade Commission. 

The debt has now passed the statute of limitations for reporting and for legal pursuit of collection in my home state of Texas. I demand removal of the record of this debt from my consumer credit report and cessation of collection activities by Monterey Collection XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 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: MN

Complaint narrative:
Specialized Loan Servicing ( SLS ) assumed our loan from XXXX Bank but failed to notify us of the change. Our loan payments continued to be made to our XXXX checking account per the agreement agreed upon when the loan was originated. SLS falsely reported XXXX late payments to the credit agencies greatly harming our credit. I have contacted SLS on numerous occasions and they are unwilling to correct this wrong. Their continued delay continues to cause great harm to my families well being.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
On XXXX/XXXX/2016 I requested XXXX and its XXXX.to review my file and consider a resolution through a complaint I file on above mentioned date. I am now employed and have established myself again and I am able to retain my home. My complaint ID is XXXX. The reason for my default has to do with the loss of my job. XXXX XXXX was consistently informed of the progress I have made. 
We are in foreclosure and looking for a sale day. I am want to retain my home for us and our XXXX children. Please I have now send another package to the new servicing co by th e name of XXXX. I have also done a forensic review of my file and found discrepancy 's. I am attaching it for your review. I need to keep my home I would appreciate a quick response.

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 2015-10-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX of XXXX I requested to have my co signer released from my Discover Student Loans which were originally disbursed and serviced by XXXX, XXXX. 
I received the attached letter denying this request, stating my credit score resulted in the denial for the reasons below. My Credit Score is XXXX which is below average however I have an excellent payment history with Discover and all of my student loan servicers despite the astronomical amount and unbearably high interest rates. My interest rate with Discover is 10.875 %. 
1. ) Serious Delinquency2. ) Proportion of Balances to Credit limits is too high on bank revolving or other revolving accounts. 
3. ) The time since delinquency is too recent or unknown4. ) Proportion of loan balances to loan amount is too high. 
Please see my responses below to each numbered item. 

RESPONSE TO 1. ) There are no delinquencies on my credit report and to the best of my knowledge there have been no delinquencies in my financial history since XXXX. Please see my full credit report attached. 
RESPONSE TO 2. ) I have minimal Credit Card Debt of {$800.00} which is paid on time and I have no overdue balance over my limit. If this is referring to my Student Loan Balances, the balance to credit limit ratio is due to high interest rates SUCH AS Discover 's Rate of 10.875 % RESPONSE TO 3. ) The Time since delinquency is not recent. As previously mentioned there are no delinquencies on my attached credit report which has balances dating back to XXXX. 

RESPONSE TO 4. ) The proportion of my Loan Balances to Loan Amounts are too high because of high interest rates again, citing XXXX high interest rates of 10.875 %. 

CONCLUSION : This application has been denied because of my credit score which has been directly impacted by Discover and my other Student Loan Servicers. Given the predatory policies of these lenders it is almost impossible to achieve an average to good credit score. I respectfully request that Discover takes into consideration my excellent payment history, reverses their decision and releases my cosigner. 
Once my co-signer is released I will have a better chance of refinancing these loans in an attempt to build a more stable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MST Financial Services, L.L.C.
State: IA

Complaint narrative:
I had a XXXX XXXX in XXXX 2013. I had no medical coverage so I applied for grant coverage for the hospital bill. I had outside bills such as the doctor, XXXX and XXXX. I paid the bill of {$1700.00} to the XXXX. I called the phone # given to me from the collection dept. When I called that number they said they could not look me up XXXX the bill is sent to collections but if I wanted to backtrack to call the hospital. I did that but only got the answering machine and left a message. I have not heard back from them yet. Another issue is I have moved XXXX since the time of XXXX and have left forwarding addresses. I never received a bill or letter stating I owe this amount and why. I am signed up with Credit Karma and they alerted me by email that there is unfavorable activity on my credit report. That is how I found out it was Chapman Financial who turned me over to collections. I looked up their phone # online and called them. I just received a letter for the collections yesterday. What is the best way to dispute this and get it off my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In XXXX 2016, my lender started sending letters saying purchased insurance on my behalf, and then they increased my 30 year fixed loan. I provided them with proof of insurance with no lapse in coverage in XXXX and XXXX. As of XXXX, they have n't acknowledged receipt of my insurance information. My insurer has provided to the lender twice. I have mailed the information to them in a certified letter on XXXX/XXXX/16. The prior lender also provided them this information when they purchased my loan. Additionally, my lender is sending me letters indicating I 'm a month late with a mortgage payment. I provided them proof of all my timely payments, which were electronically transferred from my band into their account. I 've spoked with XXXX representatives from my lender. Most of the time, they indicate that their computer monitor is not working and they ca n't look up my information. I 'm fearful that they are trying to foreclose on my home. I 've always been compliant and timely, and I have proof.

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 2016-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: AL

Complaint narrative:
A XXXX from North Star Location Services continues to call my personal cell # looking for my daughter XXXX XXXX. He also harasses her along with her father for some unknown debt.

Company response to consumer: Closed
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I 've reached out to both SLS and XXXX regarding my XXXX mortgage that is now paid in full. They are reflecting on my credit report with the name Specialize Loan Servicing, but the address is for XXXX. This is hurting my credit score and resulting to my interest rates increasing and not qualifying for credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sonnenschein Financial Services, Inc.
State: IL

Complaint narrative:
on XXXX XXXX, 2016 I received the enclosed notice from SONNENCHEIN Collection Agency. In that notice I received no validation of the supposed debt but one photograph with of the supposed traffic violation. At that time I wrote the company the enclosed validation letter via certified letter with return receipt, to which they never replied. Shortly after that date as I was periodically checking my credit report, I saw a collection account for {$400.00} and my stellar credit rating dropped by XXXX points! The next day I called the collection agency and they told me " they are not responsible for the mail they sent out. '' I never received anything from the city of XXXX regarding these fines. What is most important is I never got a chance to have a hearing regarding these fines. Additionally, the pictures taken by this red light camera show I came to a full stop before making a lawful right turn. The city of XXXX has also been sued for practices like this in not allowing drivers to have proper notice or options for a hearing. This red light camera, which is located on XXXX appears to not be properly calibrated. I would like the public to know this company, along with the city of XXXX is exploiting a loophole within the debt collection laws. This company is collecting for the city of XXXX and is calling them " fines '' and not debts. Therefore, they think the Federal Debt Collection Practices do not apply to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation