vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Specialized Loan Services ( SLS ) refuses to provide me monthly statements of my account. After two years of contacting their Customer Care XXXX number, no one has provided me answers to the various questions I have regarding my account. Calling their Customer Care is meaningless as no one assists you ( see examples attached ). Due to SLS 's mismanagement of my account, my attorney wrote to SLS ( see attached correspondence and note it was also per the request of SLS in their letter dated XXXX/XXXX/15 also attached ) that they remove my escrow account and I be responsible for payment of taxes and insurance. However, per the attached letter from SLS on XXXX/XXXX/15, they refuse to comply with the request. Per my records, as of XXXX/XXXX/2015 my Escrow Account had a positive balance of {$330.00}. The past due amount was brought current as of XXXX/XXXX/2015 per the Trustee 's notification. I will not pay an increase in monthly payment until someone from SLS or XXXX XXXX does a complete review of my payment history with me via telephone or in person at a local office ( if local office is even an option ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I received a Tier 1 hamp loan modification for my home from my servicer SLS. I believe they have violated Hamp guidelines in this process. The value and money owed is more then XXXX % they have now is not within LTV guidelines. Having made the trial payments and additional XXXX months payments and they still do n't report them. 
I have requested they vacate the foreclosure judgement and have I never received any response. They have ruined my credit by not removing information on my record

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 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I applied for a HAMP modification from Specialized Loan Service LLC ( SLS ) with the help of XXXX ( XXXX ) in XXXX. I was then told 5 weeks later that they would n't accept XXXX packet, so, I filled theirs out and updated all the docs requested of me.By the end of XXXX, I was told all of the docs had not been received and I would have to update mine and my daughter 's Social Security benefit letters while I was at XXXX. I left and went to the S.S. office and got both of the docs and brought them back to XXXX XXXX faxed them over to them immediately and brought my bank Statements up to date. When calling SLS in XXXX, I was told by XXXX, my counselor at SLS, I would n't be eligible for any government programs because they were missing my daughter 's S.S. benefit letter. She said even if I faxed them that morning at XXXX XX/XX/XXXX, it would be too late because it takes 24-48 hours to get into their system. She was very rude to me. I faxed them anyway and called them back and spoke to XXXX she told me that as long as I had the receipt dated before XX/XX/XXXX that it was acceptable but that I was also missing an update on my bank statement. I asked " Why did n't XXXX tell me that when I spoke to her earlier? '' She had no idea and she said she should have. I read that on XX/XX/XXXX there was a class action suit filed against SLS for the same reasons I 'm telling you about! They run people around for documents 2 and 3 times saying that they never got them. And They are not reviewing my application in a timely manner. I was also told by XXXX that the HAMP is over. I heard on the news that it has been extended. They have even called my insurance company and told them that I was in foreclosure. I have n't received any notice of that.

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 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC.
State: NJ

Complaint narrative:
On XXXX XXXX, 2017, I went on the website of Plaza Home Mortgage XXXX XXXX XXXX XXXX to pay my XXXX 2017 payment. The was accepted and i received a confirmation that the payment was received. I fact, at the bottom of the confirmation page it states " Your payment was successfully completed. Thank you for your payment. Please retain your confirmation number for your future reference. NOTE : Payments may take up to 2 business days to post. however, the transaction will be effective for the date submitted. '' ( Attached as Exhibit A ). This makes PLAZA liable for this payment. On XXXX XXXX, i received my paycheck and logged in to my bank account. i noticed that the mortgage payment had not been deducted from my account. I called Plaza Home Mortgage to fine out why. I was told ( 1 ) my payment was rejected by Plaza and ( 2 ) the mortgage had been transferred to another service provider on XXXX XXXX and that i would be receiving information and ( 3 ) my next payment was not due until XXXX XXXX. I asked them why that was n't noted online on XXXX XXXX and the representative did not know. I said okay thank you. 
As of XXXX XXXX, i had received NO NOTICE FROM PLAZA that my mortgage was being transferred. TO DATE ( XXXX XXXX, 2017 ) i have received no notice from PLAZA. In a letter dated XXXX XXXX, which i believe i received on or about XXXX XXXX, I received notice ONLY from the new service providerXXXX ( attached as Exhibit B ) that they were the new service provider. 
I established an online account in order to make the XXXX payment. On the XXXX 's website, it was listed that my next payment to them was due XXXX XXXX, 2017. Therefore, I made an additional payment with this money on my credit card due to the information i received both from XXXX 's website and Plaza representative. 
In then received a statement from XXXX stating that i owed XXXX 's payment. ( Attached Exhibit C ). After trying to resolve this matter with both XXXX and Plaza, i have been unsuccessful. I do not have an additional payment now to be made to bring my account current. 
Plaza insisted when i tried to resolve this matter that they mailed me a notice. I asked if they had proof of delivery or mailing, i was hung up on. 
I am requesting that the XXXX payment be removed due to Plaza 's lack of timely notification to me that a transfer was taking place that they are required to 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 2015-07-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SANTANDER BANCORP
State: NC

Complaint narrative:
Since XXXX of this year I have been trying to get the bank to make a correction in my credit report for an account reported incorrectly. I had a personal loan that had a balance of about {$1800.00} in XXXX of 2013 and it was about 30 days past due. I contacted the bank and indicated that I could pay the amount in full if an adjustment was made to the interest rate already paid and a waiver was granted for the accumulated late charges. After several phone conversations, the bank agreed to let me pay off the account with a discount. The amount of discount was {$570.00} which consisted primarily of late charges. The loan was paid off in XXXX of 2013. In XXXX of 2013 the bank reported the debt as charged off to the credit bureaus. The account was 30 days past due at the time the bank agreed to a discount, but reported the account as 120 days past due and for that reason was charged off. The account never reached 120 days past due to justify being charged off as the report to the credit bureau indicates with the charged off code. Subsequently, the account was sold to an investor. The investor sent me a collection letter, however, after I explained the situation the investor verified the information with the bank, and they proceeded immediately to delete the information in the credit report and sent me a letter indicating that I have no debts with them ; however, the bank refuses to do the same and continues to report incorrectly an account they do not own anymore. I have disputed the information in the credit bureaus, but when the credit bureaus contact the bank, the bank indicates the information is correct and takes no action. The bank refuses to change the credit report despite several conversations and after two bank officers agreed with me that the account is incorrectly reported and promised to make the required changes. Also, the bank has not returned the cancelled promissory note despite several requests on my part. 
Please see attached letter which explains in details the problem. 
As resolution for this matter, I want the bank to delete completely the account from the credit bureau since their actions have caused considerable damage since I have been trying to obtain a loan for a house I have under contract for deed, and I have not been able to obtain a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLAZA HOME MORTGAGE, INC.
State: NJ

Complaint narrative:
My Name is XXXX XXXX. 
I purchased our home in 2015. Plaza Mortgage is our mortgage company. We closed in XXXX. I have experienced a loss of income at my job on the radio. And it was reduced by half. I contacted the mortgage company, and they took my information. I did n't hear from them for Months ; meanwhile, I was delinquent on my mortgage. They send me a modification requesting payments that are HIGHER than what my original payment is. 
I sought out an expert, and he assisted in submitting documentation. The bank insists that they have n't received documentation however we have proof they do. Since then we have found out the foundation of the property is crumbling and have communicated this to the bank. They requested additional information for my non-borrower contributing to the property, and when we call in for the status, they refuse to speak to any of us. 
Also we received letters from their attorney with a motion proceed with the forclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I had applied for credit and was rejected. I requested a copy of my credit reports and learned that I have medical collection accounts reporting that should not be reported. 

First of all, the accounts listed below belong to my parents, not me. The balances were from medical bills that incurred while I was a minor and my parents were the financially responsible party. 

Secondly, the original creditor, XXXX XXXX XXXX, has decided not to pursue collection efforts on these accounts due to my parents because of a Chapter XXXX Bankruptcy that they filed. 

Account # XXXX in the amount of {$170.00}, # XXXX in the amount of {$15.00}, # XXXX in the amount of {$1200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
Halsted Financial Services calls me several time a day from various numbers XXXX is the latest, they threaten to have me arrested for a debt i know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: GA

Complaint narrative:
I learned of this debt while pulling my credit report. I never recieved a letter to verify this debt. I contacted this company telling them I did n't remember or know of when I could have had a XXXX dollar hospital bill and I would like proof of this debt they informed me they could not do this and proof was up to me not them. I then told them I did n't believe this was a correct debt but I would settle to get this resolved and I agreed to XXXX if they would send me a letter stating our agreement and they refuse to do so. They want me to blindly pay XXXX dollars to settle an account that I do n't even believe to be mine without any proof of this agreement.

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 2016-04-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MINNESOTA LIFE INSURANCE CO., THE
State: IN

Complaint narrative:
I am going through XXXX XXXX I have consolidated and personal finance is one of my creditors that we have consolidated and XXXX from personal finance keeps calling me at work threating me that he do n't work with this company and they are going to garnish my wages. I am dealing with a guy named XXXX and he told me that yes they do work with personal finance. How do I get personal finance to stop calling me at work? The number for personal finance is XXXX. This bill was getting paid until I consolidated it. Please help me .. Thanks again XXXX XXXX my number is 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 2016-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
First Advantage XXXX XXXX XXXX XXXX undertaken in the course of a job application. 

Public record states " guilty '' disposition for a charge that was amended from " XXXX '' to " XXXX. '' Nonetheless, the criminal file search listed above simply states " guilty '' and " XXXX. '' In short, this is misleading, and makes no mention whatsoever of the fact that the charge itself was amended. A potential employer could only read this to say that I was found guilty of XXXX -- which is simply not true. An important distinction, especially when under the scrutiny of a job application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: IQOR US INC
State: WA

Complaint narrative:
Allied Interstate has been calling my cell phone from an automated dialer several times a day several times a week, and even after making contact with me, they still call me back to back. They will not disclose any information about their company when asked very specific questions such as : 1. What is your phone number so I can call you back? They will provide an XXXX that does n't come up on caller ID and outsourced in XXXX based on the little info I could get from them. 

2. Would not provide a website to confirm who they are? They are asking me for all this info and not disclosing themselves properly and giving false info. 

3. Will not identify themselves and the nature of their business when asked.

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 2016-11-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Residential Bancorp
State: FL

Complaint narrative:
We attempted to buy a home underneath the minimum timeframe from foreclosure in order to qualify for a conventional XXXX loan. We had been renting for over 2 years and finally had the reserves to try to become homeowners again. We learned of the possibility of a private investor option due to our high income, exceptional credit score, and available cash. We attempted to go this route with dire consequences. 
The details of the case follow below in format of the letter written to the company on the day of the 4th and final scheduled closing. We contend that displeasure with this letter led to a final denial of the loan. This was a disastrous event for our family, as we had no home to live in for over 2 weeks while also being saddled with excess and unexpected moving and storage expenses. It was traumatic and unnecessary. Upon reflection of the situation and wondering how the loan could have been denied with such speed ( finally ) on that very day, I realized that my gmail account contains a photo, which would have shown up with the email. I am an XXXX, my husband an XXXX and we have XXXX. Implicit bias is a real problem in America. This kind of racism is worse than the display of derogatory words as graffiti in a neighborhood. 
Whether or not this is found to be racially motivated, it is definitely unethical at best. 
We wish to call attention to this private & unregulated money industry that is beginning to invade a real estate market still vulnerable from the wounds suffered by the regulated mortgage industry. This company overpromised and when signs of incompetence began to surface and questions begin to be raised, they under delivered, using the excuse of **loan conditions apply. There has to be a limit to when these companies can pull the rug out from underneath American families. This was not a business deal gone wrong, it was the livelihood of XXXX adults and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I recently looked at a copy of my credit report and seen that I had a collection from Medical Data systems. I wrote Medical Revenue service concerning account XXXX for the amount of XXXX. As explained in the letter I have no knowledge of this account and ask Medical data systems to validate the debt on XXXX XXXX, 2016. I waited patiently 30 days for a reply. Again, on XXXX XXXX, 2016. I sent second letter asking Medical data systems to validate the debt ; still to this day no response from Medical data systems so by law this should be deleted. Ignoring request is not validating the debt. As stated in my second letter I will be contacting the Attorney General 's office to bring this problem to the surface and I also will make a claim in court for defamation of character. This is a fraudulent account and beside when did Medical Data systems extend me any credit. I never signed or verbally agreed to any contract with Medical data systems. I want this frivolous account deleted from all three credit bureaus.

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 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: FIRST ADVANTAGE CORPORATION
State: MD

Complaint narrative:
I applied for a position with XXXX XXXX XXXX ( XXXX XXXX XXXX ). I authorized XXXX to obtain information from a third party, First Advantage consumer reporting agency. First Advantage reported inaccurate information on XX/XX/XXXX. XXXX sent a letter to me dated XX/XX/XXXX that they may rescind my job offer based on information submitted in the report by First Advantage on XX/XX/XXXX. XXXX told me I had 5 days from XX/XX/XXXX to contact them to dispute the accuracy of the First Advantage background report. I contacted XXXX by email and phone on XX/XX/XXXX and told them that the information received in the background report by First Advantage was incorrect and that I was disputing the accuracy from First Advantage to XXXX as well as First Advantage. I then contacted First Advantage on XX/XX/XXXX and put in a dispute ( dispute # XXXX & XXXX ). On XX/XX/XXXX, I received an email with a copy of a letter dated XX/XX/XXXX from XXXX that XXXX made a final decision to rescind my job offer. This decision was made before they even received the updated dispute information from First Advantage. First Advantage completed their report on XX/XX/XXXX. First Advantage did not even submit the update information to XXXX until XX/XX/XXXX. On the original background report dated XX/XX/XXXX, First Advantage reported outdated negative information to XXXX that was more than seven years old on my criminal background. They reported inaccurate information on " Search Type-Felony and Misdemeanor Record Search '', Case # XXXX, " Case Date '' was outside the seven year search period as requested by XXXX. Additionally the " Sentence '' was reported inaccurately. First Advantage submitted update to XXXX on XX/XX/XXXX after XXXX had already made their final decision to rescind my job offer and did not even bother to review nor consider the mistakes made by First Advantage because they had not received the updated report submitted by First Advantage to XXXX on XX/XX/XXXX. I believe that because of the inaccurate information submitted by First Advantage on my criminal background on the 1st report, this caused XXXX to make a biased decision on my character which caused my job offer to be taken away. I also think that XXXX made an unmerited decision without the correct information of my background history and gave me the impression based on the letter I received from Human Resources Client Manager, XXXX XXXX that the final decision to rescind my job offer would be based on the updated information received from the consumer report after the dispute was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: STATE FARM BANK, FSB
State: GA

Complaint narrative:
On or around XXXX XXXX my wife and I started a refinance loan with state farm bank. It has since been 110 days and we still have not closed on the loan. We have provided all documentation in a very timely manner and none of the delays have been because of us as the borrowers. The loan processor continues to state that they are short staffed yet he just took off for several days. When we talk to the loan processors we are simply told that the loan is moving through the process and we are getting closer. Our processors name is XXXX XXXX and there is another processor named XXXX. Debt to income ratio is great, our loan to value is around 60 % and our credit scores are around XXXX or above. There is no reason for this easy of a loan to take so long. If there was a way that I could get out of the loan right now without having to pay any money as well as get a refund of my money paid I would. We feel very taken advantage of as a borrower.

Company response to consumer: Closed with explanation