vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have been working with the servicer of my second mortgage since XX/XX/2016. They have requested the same documents over and over. I have submitted everything that they asked for with no results. I am not trying to avoid paying the debt. I just want some relief as far as the interest rate ; 9.375

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 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
SLS loan servicing is the most unresponsive, irresponsible, unprofessional loan servicing company I have ever seen. I have been in communication trying to get relief for a hardship experienced early in 2016. It is as if they lose my paperwork every 29 days. This is my second complaint and their response to the last complaint was to write a bunch of jargon that basically said XXXX you, you ca n't do nothing about it. Unfortunately there 's not much protection for the consumer. HOW MANY COMPLAINTS DOES IT TAKE TO GET ACTION? In the month of XXXX there were XXXX complaints filed and the consumer basically had the same complaint in each of their cases. Is there anyone that regulates these scammers? I was unemployed for 6 weeks so I missed two payments and have been making payments on time since XXXX when I returned to work but was forced to sell my home because there is no help available to deal with the two payments missed in the spring. PLEASE HELP WITH THESE SCAMMERS. When you call, you get a new story which is basically just another stall tactic. SLS claims they have no history of any communication prior to XXXX XXXX, 2016. The attached supporting documents prove otherwise

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: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PLAZA HOME MORTGAGE, INC.
State: WA

Complaint narrative:
Plaza Mortgage made a mistake and put one mortgage payment toward the principle of the loan instead of XX/XX/XXXX 's payment, as I intended. I called customer service, and they noted their mistake and reversed the principle payment, and put it toward XX/XX/XXXX 's payment. Ever since, we have received 6 letters in the mail saying we are delinquent on the mortgage and are in peril of foreclosure. Let me be clear, we are absolutely current on our loan. I have had to call customer service 3 times to ask them to stop sending collections letters, but they keep coming.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 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:
Collector can not make any false, deceptive or misleading statements. 15 U.S.C. 1692e, e ( 10 ). 

Additionally, this alleged debt is IN DISPUTE, reference CFPB Case Number XXXX, and FTC Complaint Number XXXX and a CEASE and DESIST was requested of SLS, which is being IGNORED. 
SLS had defaulted in the last XXXX Debt Validation request issued by XXXX. SLS defective and non-responsive responses to XXXX DO NOT DEMONSTRATE that SLS has a legal standing to collect. Including herein the XXXX Debt Validation Request documents ; SLS remained SILENT making their OWN ADMISSION that their purported claims have no legal foundation. 
For purposes of disputing this latest presentment, SLS Statement dated XXXX/XXXX/15- XXXX had issued the XXXX DEBT VALIDATION REQUEST dated XXXX/XXXX/15, via fax transmission, and received at SLS Offices on XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Setting the Standard is SPECIALIZE LOAN SERVICING 'S SLS motto. However, for 2 and half years they keep saying they do n't have all my financial docs and that is the reason no mod to date. In my previous complaint I mentioned retaliation from SLS for reporting to CPFB XXXX. So I have soooo much proof that I sent all the docs requested - yet XXXX continues. To solve this problem with SLS I am going to create a XXXX PAGE and POST ALL MY PERSONAL FINANCIAL INFORMATION since SLS keeps losing it. MY TAXES, MY SSN, MY BANK STATEMENTS, THE COMPLETED RMA FORMS AND FAX RECIEPTS AND ALLL THE PROOF THAT I SENT EVERYTHING SLS ASKED FOR SO THE WHOLE WORLD CAN CLICK AND LIKE XXXX AND SHARE THEIR STORIES ABOUT SLS. I 'd bet I could get XXXX Likes XXXX - a few good lawyers and a few good news stations interest to help my in this F, F, F, F, F, F, F FARCICAL SETTING THE STANDARDS of SLS. Now there are actually good people working at SLS. The last one I talked to said " an appeal letter is coming in the mail '' she was nice and sincere and somewhat intelligent but NO appeal letter ever showed UP!! I did receive a modification on my other property so it ca n't be that I do n't qualify .... it must be the disorganization of SLS losing my personal financial letters. XXXX here I come!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
I was recently made aware of a debt that I may owe to XXXX XXXX XXXX XXXX XXXX in the amount of {$78.00}. This debt was related to a deposit account I had with this organization. I noticed the debt reporting to my credit files and disputed the information. I was quickly advised in writing from XXXX XXXX of this debt. I made a call to XXXX XXXX this morning XXXX/XXXX/2016 to advise them of my intention to pay this debt for {$78.00}. They had advised me this account was placed with a company called Monterey Financial based out of California. 

I contacted Monterey Financial when they opened this morning ( XXXX/XXXX/2016 ) and was advised for my account number with them and that my balance is not {$78.00} but {$120.00}. I argued stating that XXXX states it to be {$78.00} and that is what they are reporting. They stated that the account was placed with them for collections over 3 years ago. They had very old contact information and had no way of getting in touch with me. They stated they last attempted to reach me on XXXX/XXXX/2016 with no luck as again the information they had was almost XXXX XXXX XXXX. 

After going back and forth with their Agent XXXX XXXX XXXX. I decided I was getting no where. So I contacted XXXX again and they informed me that anything they would be charging would be their fees or accumulated interest on my original debt. 

To the best of my knowledge the FDCPA expressly forbids this. As a consumer I am not required to pay any unauthorized charges such as interest rates, fees, or other charges. XXXX also advised me on this call that only the amount of {$78.00} would be sent to them. I called back Monterey Financial and they advised me that the total amount of interest was billed at XXXX cents/day. This brought my balance to {$100.00} and they were charging a {$20.00} processing fee to handle my payment. They also advised me that they total amount of {$100.00} would be sent to XXXX and they only collect the {$20.00} for the payment fee. 

As far as I can tell I am paying an unlawful 10 % interest on a {$78.00} debt to capcom fcu and an unlawful {$20.00} payment processing fee to Monterey Financial. 

I made this payment because I am attempting get approved for a mortgage and was advised this could potentially hinder me. After making this payment I quickly researched and realized that I may have been charged undue interest and payment fees on behalf of XXXX and Monterey Financial.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: United Student Aid (USA) Funds
State: NC

Complaint narrative:
I am age XXXX and have been XXXX since XXXX. My parents plus loan collection ( {$250.00} ) has come out of my Social Security check monthly now for eight years. My doctor provided a letter to Stuient aid in XXXX which still has not been accepted. Please help!

Company response to consumer: Closed
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
In checking my credit report, there is a collections report from an collection agency representing XXXX. It says I owe money to them for services rendered XXXX XXXX, 2016 for the amount of {$470.00}. While I did receive services from XXXX, I also had insurance that was never sent a claim from XXXX, and a XXXX my secondary insurance that never received a claim from XXXX. Now this collections agency is showing up on my credit report. I do n't appreciate it being there. What can I do?

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 2016-05-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I received a letter saying that Monterey Collections has been referred for collection on the unpaid insurance portion of treatment from XXXX, XXXX. Unless I notify their office within 30 days of receiving the notice to dispute the validity of the debt then they will assume the debt is valid. All payments is supposed to be sent to Monterey Collections, XXXX. XXXX XXXX, XXXX, CA, XXXX. Clearly a fraudelant scam as I have never done business with either entity. Monterey Collections is associated with Monterey Financials.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
The company that I have my vehicle financed with will call my house, my work & my cell every 30-45 mins & when the answering machine picks up or voice mail starts, they hang up without leaving a message or call back number or anything. This is very annoying, harassing & downright unprofessional to say the least. All of our payments are made online & on time. I do n't know what their problem is but it needs to stop. They 're XXXX companies that I have this problem out of. They are Exeter Finance & XXXX XXXX. I will not recommend these companies to family or friends due to the fact this harrassment is constant, daily & lots of times late into the night whenever they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica
State: CA

Complaint narrative:
Money was STOLEN from my account and my dispute was denied. I was told to find and go after the thief myself. Who is now an EX XXXX employee. My card was input manually 9 times total, all separate transactions, in the time span of 2 hours, for a total of {$1100.00} stolen. My card was ran until declined because they withdrew ALL of my funds. Now Direct Express/Comerica refuse to do the lawful thing and their suggestion is to contact the THIEF?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Comerica
State: CA

Complaint narrative:
XXXX XXXX is allowing unatherised transiactoins on my card and when a call them thay do not speak English and are very very very rude and make me wate several days to return my money. what are they doing with my money and why are they aloud to just take my ssd money and keep it for 3 to 10 days befor returning it?. need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: CT

Complaint narrative:
MONEY WAS DEBITED FROM MY DIRECT EXPRESS DEBIT CARD WITHOUT MY CONSENT!! THIS HAS BEEN HAPPENING WAY TO MANY TIMES!! MY SOCIAL SECURITY XXXX INSURANCE BENEFITS ARE PLACED ON MY DIRECT EXPRESS DEBIT CARD EVERY FIRST WEEK OF EVERY MONTH. WHAT 'S BEEN HAPPENING IS I HAVE BEEN FINDING OUT THAT THERE HAVE BEEN DEBITS OF MONEY TRANSACTIONS MADE WITHOUT MY CONSENT!!! AND THIS HAS CONTINUED AND CONTINUED EVEN AFTER DIRECT EXPRESS WOULD ISSUE ME A BRAND NEW DEBIT CARD ALONG WITH THE CFPB BEING WELL AWARE OF THIS BECAUSE I 'VE SUBMITTED SIMILAR COMPLAINTS REGARDING THIS SAME ISSUE YET IT CONTINUES TO OCCUR. I WANT THIS TO STOP NOW AND I WANT ALL MY MONEY RETURNED TO ME AND ON MY NEW DIRECT EXPRESS DEBIT CARD IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Remex, Inc.
State: NJ

Complaint narrative:
lab bill sent - lst time receiving any bill now stating collections dept of justice federal investigation into allegations of fraud, conspiracy and physician kickbacks between XXXX labs and my XXXX physician. I am disputing theses debt because I do not owe them. the office of my XXXX physician voluntarily elected to send my XXXX to creditors XXXX labs I never enterd any XXXX contract or agreement with them .upon the submission of my health insurance card to my physicians office it becomes their responsibility as network provider to submit any services to the appropriate in network lab. any practice to submit to out of network lab was beyond my control and was without my authorization

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 2016-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: PA

Complaint narrative:
I sent this collection agency multiple letters via certified mail. They have never responded to my disputes or provided any documentation to prove the alleged debt. They never sent me any validation letter either within 5 days of the initial communication which is a violation of 15 USC 1692g. They also have violated 15 USC 1681 s 2 by never responding to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
Hello After being unemployed for the past 2 years, I need to get my credit to good standing. I called Exeter to remove their credit entry from my credit report. The rep told me that they ca n't. The balance on the account is showing {$16000.00} and there is nothing I can do to bring the account current. There is no reason for this entry to be on my report. Exeter would not make payment arrangements with me and would not offer any type of arrangement for the account. I feel that this is harrassment and an abuse of company power. Since there is nothing more I can do with this account, it should be deleted from my report. I will request a protection from abuse order through the court system if this is not handled ASAP. I believe Exeter has recieved money from the sale of the vehicle and should not be charging me anything. The vehicle was definately not worth more than {$5000.00}. 
What would you like the business to do to settle your complaint? 
Delete the negative entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 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: Pinnacle Credit Services, LLC
State: VA

Complaint narrative:
I have disputed this after I disputed it the account was transferred to another collection company. I did not order this phone I did not give my permission for anyone to use my information to buy a phone. They can not provide me with my signature or ID used to get this phone! I would like this to be removed from my credit report since it can not be proven it was mine. I think my ex husband had it but I can not prove it. I also think they have messed with the dates I was told this was in 2009.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Comerica
State: MI

Complaint narrative:
someone transferred money from our savings account into our checking account and then used our debit card at a XXXX XXXX in colorado {$770.00}. Comerica 's fraud department contacted us 1 hour after the fraudulent transaction occured to notify us. The fraud department submitted our claim for the money to be reimbursed to us. We had to take our computers to XXXX XXXX to get cleaned. We received a letter from Comerica where they state they are denying the reimbursement of the stolen money to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: ACRANET INC
State: AR

Complaint narrative:
XXXX my address is XXXX .those names you have on my report is not me XXXX, and the address thats in XXXX ark every live at that address. that not me please remove off my report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter Finance will not allow me to pay extra money towards my principle balance. If money is paid it only reduces the next months payment. I called to speak with a representative and was told this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Stellar Recovery, Inc.
State: MI

Complaint narrative:
HelloI am seeking help with a debt collector calling from the phone number of XXXX, that is constantly calling my place of employment. I am not allowed to receive personal calls unless it is a life or death matter. They are now asking for my supervisors since I am not able to take the calls. Please tell me what I can do, I am very afraid that they will cause me to lose my position here. This is truly harassing and should not be done to no XXXX at their place of employment. 

Thank You.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc.
State: UT

Complaint narrative:
I was doing some credit monitoring and noticed an agency on my report. The agency name is Stellar Recovery Inc out of XXXX, FL, the # listed XXXX, reporting for {$67.00} the original creditor was not listed. I called to inquire about what this was about and was advised this is a debt from XXXX form XX/XX/XXXX after being transferred twice and this is a debt I have never seen before that showed up on my credit report XX/XX/XXXX. It did not state a creditor just the third party collection company ( Stellar Recovery ). I advised them I had never received notice of the debt. I was not notified by mail, phone or even e-mail. I did advise I was going through a divorce but still had the same telephone number, ( which they verified with me that they had on their records. ) They told me they sent notices XX/XX/XXXX, to which I was then told had come back with a bad address. However I still had never received any phone call in those 5-6 years. When I was speaking to them about they did advise they had the correct telephone number but I still yet to receive a phone call. I advised that I am willing to pay this debt but due to the fact that I was not notified I would like this deleted off of my credit report. I was told by XXXX different agents that they will not do this. I asked to speak to a supervisor, XXXX XXXX got on the line and advised me that the loan can only recalled from the original creditor to be deleted. I asked him if his company reports to credit he stated yes, they also collect for XXXX, however refuse to delete the credit when I was never notified of the debt. ( His direct line is XXXX ). I called the original creditor XXXX. They advised me that the do not report to credit. That they will recall this debt. I am in limbo this matter, I have worked very diligently to restore my credit to have a {$67.00} account listed in collections and the company refuse to go by the FDCPA and the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Creditor Claims of America, Inc.
State: MD

Complaint narrative:
Caller named XXXX XXXX called my employment. When I called him back he immediately raised his voice and started yelling at me and arguing with me. He would not give me any information as to what type of debt he collecting. I told him that he was not allowed to call me at my employment and he continued to argue with me in a very violent harassing manner. He hung up on me and then immediately called me back to " prove a point '' is what he said.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation