vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
I had my mortgage through XXXX XXXX XXXX and was sold to Specialized Loan company. I have been unemployed since XXXX and have been going through the XXXX process since then. I have explained this to this company on multiple occassions. I was in a government program to help with my payments in hopes that my XXXX claim would be approved and I could maintain my payments on my own. After the program ended I filed for 2 modifications to help me keep my home. The first one was denied due to the fact they increased my payment to see if I could pay the new amount before the final modification was approved. The second was denied because my income was lowered and they said there was not a program I qualified for and that if I did n't make my account current they would start foreclosure proceedings. In XXXX XXXX I borrowed from everyone I could and came up with over {$4000.00} to save my home. I made the payment through my bank to them which was sent back. I called and questioned them and they said that since I was behind they could not do an automatic payment and said I had to do XXXX XXXX or a check over the phone for which they wanted to charge a fee. After I threw a fit they waived the fee. I then applied for a forebarence so that I could have some time to get a little breather to come up with money to stay current. I just found out today that they mailed the decison on XXXX/XXXX/XXXX and that they denied me because I did n't have a qualifying hardship. I do n't understand what that even means. I asked to talk to someone else that could explain to me why it was denied and was told that there was no one I could talk to and that the decison was final. But in the next breath the rep tells me that I could re-apply again if I chose to do so. What is the point? What is the point of degrading yourself to ask for help and they are not trying to help you keep your home? I absolutely can not stand this company. I do n't even know what else to do at this point.

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 2016-08-17 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Kept calling my using multiple numbers multiple times a day even after I told them that I did not order services from the place they say I owe money to. I finally got it to stop, by blocking all of their numbers.

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 2016-02-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
my equity loan from XXXX was automatically transferred to the XXXX XXXX XXXX now called Specialized Loan Servicing LLC in XXXX, CO when I declared Chapter XXXX in XXXX. The agreed upon payments were {$95.00} each month and I never missed a payment. In XXXX the agreed upon payments were $ XXXX/month and I was able to make two payments each month of {$100.00} and have never missed a payment. In XXXX XXXX I received a notice of being in behind on payments by several hundred dollars. My monthly payment inexplicably increased to {$470.00}. I called several times and no-one could explain anything except I was behind in my payments. Fees were attached and now they claim I owe XXXX. A notice to foreclose was mailed to me and notes from field inspectors have been left on my door knob. I have continued to pay {$200.00} mo

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 2017-02-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
This is a complaint from XXXX and XXXX XXXX to Specialized Loan Servicing for requesting ( 2 ) two months to respond and failing to answer and respond directly to the actual requests for consumer information that was asked in the prior complaints submitted. 
You have ignored, attempted to cover up problems, give continuous repeated answers to unknown subject requests never made. You have ignored the illegal documents I have informed you of and continue to use and rely on after proof of fraud. I have been denied my lawful right to the information of the recent introduced blank endorsed copy of alleged Disclosure and Agreement Statement ( I did not sign ) you say is mine but will not say when you obtained it. This has nothing to do with closing, PSA, or any excuses you used to avoid a truthful answer. You are deliberately forcing me to take other actions instead of answering simple requests. 
If this is due to the inability of an untrained complaint department with lack of knowledge in these matters then something needs to be done and immediate action taken regarding these most serious XXXX in this department. The recent responses lack direction, lack comprehension of content and fails to properly respond to prior and previous complaints. You can not " close '' something that never took place!

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 2016-05-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paramount Capital Group, Inc.
State: MO

Complaint narrative:
this was a old loan which was taking off my credit score two months ago, Paramount Capital as of this past Friday XX/XX/XXXX done a hard hit credit pull on my credit which is against the law, I did n't give permission and had no knowledge of this till I checked my credit.Paramount stated they would do what ever it took to get it back on XXXX which is also against the Federal law.once it 's removed from credit scoring it CANT be put back on, so Paramount done this to damage my credit.I want this removed completely or I will seek legal actions. for I have NOT applied for credit with this company since XX/XX/XXXX.Paramount has over stepped on a old debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I have tried to obtain the paper work needed for my mortgage and up to now SLS Mortgage services has not given all the paper work to XXXX. 
XXXX is telling me that page ( XXXX ) of the note is missing ( this is the page that shows the endorsement ) and they also need the updated assignment SLS sent the same papers previously and XXXX informed them then that there was paperwork missing. 
I really need help in this matter XXXX Loan # : XXXX XXXX Acct # : 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 2015-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
We wanted to refinance our mortgage and were well into the process when the broker requested a payoff amount. When we got the statement with the payoff amount from the loan servicing company, it included a request to pay roughly {$5100.00} for property taxes. 

This was odd, because XXXX XXXX XXXX held our property taxes in escrow every month and had over {$7100.00} in an escrow account. Why did they need an additional {$5100.00}? 

We called and asked and they said the {$5100.00} was to pay property taxes if the loan closed after the taxes were due. We were thoroughly confused because - of course - they had {$7100.00} in an escrow account they could use to pay the {$5100.00} in property taxes. 

So, I was stuck. The lender would not refi the mortgage without a proper payoff amount and XXXX XXXX XXXX would not change the payoff amount. I eventually called an attorney and he got the loan servicer to update the payoff amount. 

We thought we were in good shape, but then the broker told me the new lender was dragging their feet and that we would need to finance an additional {$5100.00} to cover the property taxes. 

It did n't make any sense, but we were in a very bad mortgage and we desperately needed to lower the payment so we just XXXX XXXX the {$5100.00} only increased our payment by {$12.00} a month, and we assumed we would be getting the escrow amount of {$7100.00} back, so we just went with the new loan. 

Last week, we received an escrow distribution of {$1200.00}. They kept roughly {$6000.00} and we financed an additional {$5100.00}. I do n't know who cheated us out of our money but it 's clear to me that we were taken advantage of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
I AM XXXX YR. OLD WIDOW, HAD A MORTGAGE W/XXXX XXXX, I TRIED FOR TWO YEARS NOW TO SETTLE THIS AND THEY WILL NOT WORK W/ME I HAVE HIRED LAWYERS, & IT HAS BEEN COSTLY XXXX SOLD THIS MORTG. TO SLS, AND STILL CAN NOT SETTLE, THEY HAVE JUST PUT MY HOME IN FORECLOSURE, AND I CAN NOT AFFORD TO LOOSE MY HOME AT THIS POINT IN MY LIFE. 
PLEASE HELP ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Went into XXXX for vehicle service on XX/XX/XXXX. was barraged by salespeople trying to cram a new vehicle down my throat. Specifically told them DO NOT RUN MY CREDIT REPORT. I was assured this would not happen. But it did. I found this out on XX/XX/XXXX, and contacted XXXX sales manager. He told me it was not run and the last credit pull they did was XX/XX/XXXX. I SENT HIM PROOF THAT IT WAS ON THE REPORT, and he never one time contacted me. He passed it off to XXXX, a sweet gal we bought the 1st vehicle from in XX/XX/XXXX, and she too shows no proof that the report was run. BUT IT IS ON THE CREDIT REPORTS!!! I had to resend her the same PROOF I sent to XXXX. I have heard from no one, and i am under the impression this is illegal and they could be fined. i WANT THIS fixed immediately, IT IS LOWERING MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX repeatedly called me harrassing me about payment of my mortgage loan even after I repeatedly told them I was working to modify my loan. They called dozens and dozens of times and I understand that this is not allowed under current laws. They strung me along for over 3 years, repeatedly asking for more and more information to modify my loan. Then when it would seem to be nearing a point where loan would be modified, they sold the loan to another company, which told me I would need to start the process all over again with new and updated information. My loan is currently held by SLS Mortgage which raised my mortgage rate to 6.675 % with only one week notice. I am now unable to afford my mortgage and they have advised that I will suffer foreclosure if I can not pay my mortgage. I have exhausted all of my savings and sold everything I possibly can to continue to make mortgage payments in full and on time. In order to keep my home, I need immediate help to modify my loan to an affordable interest rate, and I do n't think this is too much to ask since rates are now aroung 3 % and they are charging me 6.675 %, clearly a predatory rate. I am a widow of a XXXX veteran. Never did I or my husband ever imagine I would be in this position at XXXX years of age. I am frustrated and fearful beyond imagination that I will lose my home. Please please help me in any way you can. Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On my previous mortgage with SunTrust which I refinanced to a new mortgage with SunTrust I had my sanitation taxes paid through my escrow. In my initial estimates of payments it was included to be escrowed but when it was time to close the loan it was left off. I made the inquire about why and I was instructed to just call in when I received the next bill and they would add it to the escrow payments. When the bill came in I call Suntrust Mortgage multiple time and spent hours on the phone attempting to get the bill paid. I was told multiple times that I would receive a call back from a supervisor and all the agent was able to do was put in a research request which takes around 3 weeks to complete. Finally I called and they paid the bill but it was late, I was assured that I would not be responsible for any late fees and it would be added to the escrow so I wouldnt have to go through the same battle in future years. I called today ( XXXX/XXXX/15 ) after receiving an escrow analysis, my sanitation tax was not added and they had me pay the late fee. I was told by agent ( XXXX, XXXX ) that there was nothing she could do, they paid the bill as a courtesy, I was responsible for the late fees and it would not be added for future payments. SunTrust mortgage customer service constantly says they will have a supervisor call you and they do not. I feel like I was lied to and deceived through the entire process. I would not recommend SunTrust to anyone as they do not appreciate loyal customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: State Home Mortgage
State: GA

Complaint narrative:
I 've been paying my mortgage since the first time i received my first payment letter, but now statehome mortgage has sold my loan and the new mortgage company is saying im 120 days behind. How is this when i have all bank statements confirmation emails etc, showing when ive paid my mortgage in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
Halsted called, asked for me, recording stated they were trying to collect a debt, press XXXX to speak with someone. I then spoke with " XXXX '' and he asked to confirm my name, I did, then he asked for the last XXXX of my SSN, at which point I stopped him and told him that before we go any further I wanted the full name of the company and their mailing address as required by law. He said he did not have to provide me anything unless I gave hime my last XXXX of the SSN. Again I asked him to comply with the law and give me their mailing address and told him not to call my phone number anymore. He said he did n't have to do anything and hung up. I do n't owe anything, I wanted to send them a cease communication letter. I also believe they spoofed their calling in number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Am not working full time! Have a part time job only work XXXX hours a week! So iam not making enough money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: KAHRS LAW OFFICES, PA
State: KS

Complaint narrative:
I have only information is what the original Balance is that they are charging XXXX annual interest fromXX/XX/2016 to now but wo n't turn turn calls or answer the.phone have trying to call them to pay off the debt but have to know the right amount now they are suing me I have to go to court on XX/XX/XXXX When I do call I get a voice message that the require info is full name ( I leave that ) the last XXXX of my ssn ( I leave the account number XXXX am paying off the debt or trying to ) place of employment ( I do n't think they need this info if I am paying off the debt ) phone number ( which I give plus the best time to get XXXX of me ) they say if the require info is n't left that the call will be put on the bottom of the her list to callback. I have tried to call at XXXX XXXX XXXX XXXX and several other differs times with no XXXX answering. This time I left a message to email me how much I owe they keep saying that they turn calls XXXX hours later

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica
State: FL

Complaint narrative:
On XXXX XXXX, 2015 after a purchase of {$8.00} at XXXX, I had a {$260.00} ending balance. The following morning, when I attempted to get gas on XXXX XXXX, 2015 ( It was not a funny XXXX Joke ), I discovered the account had a XXXX dollar balance. 
I immediately contacted Direct Express to no avail. I was told it was being researched and that the card was not FDIC covered ( which is untrue ). I was told they did not have to follow FDIC rules, nor did they have to respond in any certain time frame or replace my money to my card. 
This situation has been going on over 30 days now, with still no resolution. I have called multiple times a week since this incident happened, with no resolution in sight. 
I have called the FDIC and have filed a complaint. 
After this incident on XXXX/XXXX/15, my card was compromised on XX/XX/XXXX-XX/XX/2015 by someone in XXXX XXXX, who XXXX up over {$900.00} in XXXX charges. Direct Express/XXXX refunded my card {$400.00} and is reviewing the FRAUD ( 90 day process ). I filed an FBI report and Police report. I filed all necessary forms requested by Direct Express. 
However, the company refuses to address the {$260.00} that went missing PRIOR to the XXXX XXXX and XXXX, 2015 FRAUD happening. 
*** In the process I have received a closing notice for my electricity, due to the fact that the {$260.00} went missing from my account. This card belongs to a XXXX person, with no other means to support themselves. This matter needs immediate resolution! 

Note : My docs are to large to upload to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
XXXX Synchrony Bank who handles the in store credit accounts for Amazon.com has been bugging me for over a month saying I have to pay all kinds of charges and saying I was late with a payment. only thing I have been making all my payments on the third of the month, I have my statements that verify this, XXXX payment and I still do not know what happened was a little late and you would think this is XXXX XXXX XXXX, my new payment was going to be made when my annuity check comes in till then I am being called on the phone all day long or e mailed sounding like I am a dead beat and I am not, I 'm just a XXXX year old woman. and tired of the complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is once again reporting a derogatory public record, see attached credit report from XXXX/XXXX/2015. 
This was taken off all credit reports several months ago when I showed the lien release dated over 5 years previously, see attached lien release. When the account is accessed online, no derogatory information is listed. When my creditors get a copy of the credit report, the lien and collection reappear and the credit number thus suffers. The credit score thus suffers a XXXX plus point deterioration below the level of the other agencies, both of which do not show this lien. This is my XXXX time requesting Equifax take permanent action to remove incorrect information.

Company response to consumer: Closed with explanation