vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
The above selected categories are not exactly what has happened, they are the closest to identifying it. 
I am repaying a medical bill thru automated deduction from my bank account. Medical Data Systems is the bill collector. I began the repayment in XXXX. Yesterday, I noticed my credit score dropped XXXX points XXXX, due to another medical bill for XXXX, it showed the reporting entity as Medical Data Systems. I called MDS and " XXXX '' told me that yes, they reported it, and it was for the bill I am currently repaying!!! That company policy is double reporting every month. This additional posting will remain on my credit report for 7 more years. This bill is the last one from XXXX when I had XXXX, I have been paying off bills for 4 years. When I expressed my outrage and that I would be filing a complaint, he offered me a " settlement ''. A onetime payment of XXXX today and they would wipe out the balance. However, they would not remove the double posting and would not restore my score. Well, I do n't have XXXX today and when I told him that, he asked me if I could ask a family member or a friend for the money ... ..Since the initiation of the repayment agreement, I have not missed or been late. I find this behavior incomprehensible. Too many entities have access too and the ability to effect your credit negatively. It takes a literal act of congress to reel these entities in.

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 2016-11-08 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: AMERICAN ADJUSTMENT BUREAU,INC.
State: FL

Complaint narrative:
I have been recieving emails from a group called AMERICAN ADJUSTMENT BUREAU about a payday loan that i know nothing about, recently i got a call from them and when i asked for more information regarding the debt so that i can also investigate it they hung up the phone and when i called back they pretended they did not contact me in the first place now when ever i call it goes to voice mail and no one ever calls back. On the recent email that i got from them it sounds like they are threatening me or trying to scare me to send them money. I am scared because they have my vital information I.E they have my ssn number, my DoB and my bank account number. And on the email that i got from them they did not provide a way for me to contact them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: STATE FARM BANK, FSB
State: MO

Complaint narrative:
In XXXX 2016, I applied for a State Farm credit card that had 0 interest for the first 12 months. I was approved for a credit card with a XXXX limit. However, the card they sent me was actually had interest that was charged. I discovered this when I was a half hour late paying my bill because the on-line system did n't work for me. I had tried the previous month to pay my bill on-line, but there were issues with their website. I was told it was a browser issue on my end. I use XXXX and XXXX XXXX, the most popular browser with the most up to date version of XXXX. I called and paid my bill, but missed the XXXX eastern time deadline. I called and talked to customer service and said I was concerned that my 0 interest would be affected. I was told that no, there would be no affect. When I got my bill, it showed interest was being charged, and not just for that month, but all the way back to the start of the card. I transferred my balance to a new card and when I called State Farm to tell them to cancel the card and why, I told them I was upset because I was being charged interest for being all of 30 minutes late paying the bill, partly because their system was messed up. I was then told that the card was never a 0 % rate. There was a 0 % on balance transfers, but not on the card itself. I went back and looked at my original information that came with the card and sure enough, the card they sent me had interest charged. I know for a fact that I applied for a 0 % interest card for the first 12 months. What I applied for, and was approved for, was a 0 % interest for 12 months. This is not what they sent me or set my account up for. I should have been more observant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 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: CA

Complaint narrative:
I have attempted to get Specialized Loan Servicing to correct my account since XXXX 2016. Since XXXX 2016, each month, they " lose '' the payment that is sent electronically to them directly from XXXX XXXX Bank. Each month, I call them and they state I must submit written proof of payment, which I do. XXXX and XXXX monthly payments have not yet been corrected on my account and I was charged a late fee, because SLS returned the XXXX payment claiming I had an incorrect account # on the payment. The payment set-up with XXXX XXXX electronic submission has not changed since SLS started to receive payments two years ago. I spoke with XXXX at SLS and she told me that the payment was returned in error ( the conversation was recorded by SLS ) and to re-submit the payment, which I did. Therefore, the late fee needs to be removed. The late payments on my credit report also need to be removed and corrected. I have tried to call XXXX and speak with both supervisors and managers, ( e.g., XXXX on XXXX/XXXX/16 ) to have the XXXX and XXXX payments corrected and the monthly late fee removed. I received my XXXX statement today and these corrections have still not been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This latest complaint is related to prior complaint no. : XXXX. The customer, XXXX XXXX, did not receive a satisfactory response from JPMorgan Chase in that earlier complaint. A paralegal in my attorney 's office tried to resolve this matter and we received various reasons why Chase did not refund my escrow. Chase actually sent us XXXX ( XXXX ) reasons why they kept the escrow funds in my mortgage account. The latest '' reason/excuse '' was dated XX/XX/XXXX ( copy of letter enclosed ). The paralegal in my attorney 's office sent a response dated XX/XX/XXXX ( copy of letter enclosed ). 
I settled the foreclosure action and my mortgage was satisfied on the court records. My attorney and I settled the litigation by my paying the sum of {$25000.00}. This was much less than Chase was claiming I owed. The settlement Agreement does NOT mention or address my escrow balance existing at the time of the settlement. A MORTGAGE SATISFACTION PIECE ( pursuant to 21 XXXX Statutes, section 681 ) was filed with the court on XX/XX/XXXX. We have been battling Chase since that date. Since that date, we have received SIXTEEN ( 16 ) letters from Chase stating : " We are writing to follow up on your recent request and inform you we need additional research time because we are still pending additional research to resolve your inquiry of request ''.. The letters always conclude with this statement : " We will have an answer or a status update for you by ( date inserted ) ''. Sixteen times.! I received XXXX ( XXXX ) different reasons why they would not refund my escrow. The latest is the one of XX/XX/XXXX.. I do n't know which of the refusals they intend to stand on now. All XXXX ( XXXX ) can not be accurate. Since I did not hear from Chase by the 30 day deadline, this complaint is therefore filed. I am marking the box " MAKING PAYMENTS '' below as it most closely relates to my problem of Chase refusing to remit my escrow funds. 

I am unable to attach the reference documents electronically, but will forward them directly to your office as soon as possible. 

We are dealing with Chase at this address : CHASE ( XXXX ), XXXX XXXX XXXX, XXXX, OHIO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: FL

Complaint narrative:
ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

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 2016-08-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
My father, XXXX XXXX passed away a year ago in XXXX XXXX. My sister XXXX XXXX was his care taker and had guardianship over my fathers affairs both financial and medical. Banco Popular, where my father maintained his account has refused to release the remaining funds to my sister. What are our options? My sister is single and makes minimum wage and could use the funds to help to support herself and her children. Who can we contact? Please help!

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 2015-10-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Escrow of the West
State: CA

Complaint narrative:
Thru the purchasing of a new condominium thru auction I was required to pay to Escrow of the West my first and second half property taxes for 2014. The second half taxes went unpaid due to Escrow of the West refunding another homeowner my tax money into this homeowners impound account. Escrow of the West instead of making another payment for second half taxes is relying on this homeowner to make my payment. It is very unethical since I have no relation to this homeowner and they do not represent Escrow of the West. I gave Escrow of the Weat the money to pay the taxes and they have not followed thru. The taxes are delinquent and I need this resolved asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have a letter from XXXX consumer services of an agreement from XXXX for a modification on my Home Equity loan dated XX/XX/XXXX. The modification was for 2.00 % fixed for 240 months. Recently XXXX sold my loan to SLS ( Specialized Loan Servicing ) SLS is stating that my interest rate was 2.00 % and now going to 3.25 % because it 's a variable interest rate. I was under the impression that i had a loan modification for 2.00 % fixed for 240 months. Can you look into this for me or let me know another contact? My contact previously was XXXX XXXX XXXX PH : XXXX and i 'm not sure if he 's still at XXXX. I also have a case number from Consumer Financial Protection Bureau ( CFPB ) case # XXXX that was in a letter sent to me by XXXX XXXX. SLS has also not explained why the interest rate has moved up from 2.00 % as the prime rate has n't changed for a few years and it 's still 3.25 % according to XXXX XXXX XXXX prime rate By XXXX as of XX/XX/XXXX. I 've been paying at 2.00 % interest for years with XXXX before they sold my equity loan to SLS. I 've contacted XXXX and SLS with no resolution. My last contact at XXXX was on XXXX XXXX XXXXXXXXXXXX. Workflow Supervisor Lending Services-default Management XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX ( office ). He emailed me stating that he would send the settlement information from XXXX to SLS, in case SLS misplaced the modification. I asked for a signed copy of it and have n't got a response from him. SLS customer service number is : XXXX. Left message and they have n't got back to me either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Specialized Loan Servicing Holdings LLC
State: NH

Complaint narrative:
I mailed my check in to pay my mortgage it usually takes 10 days it took XXXX the check bounced my bank took the check out the same day but took the check out before my direct deposit went it. My bank forgave the fee because it was 20 minutes difference. I called SLS immediately to submit my payment over the phone and stop payment. They told me that it was ok to wait for a notice. I called every week for a month. XXXX said to wait, I received notice of foreclosure if I did not pay my over due payment. I called XXXX again paid immediately like I tried to do two months before I asked if this was going to show up on my credit report because I tried over and over again to fix the problem she said no it would not show up on it. I tried to refinance and was denied because SLS put on my credit report that I was 2 months overdue. I called them they said to send them a letter to review it. I called again the lady on the phone said that she could not see why it took them 2 months to put it back on my account and they would look into it to call back in a week, I called back and they said that they could not do anything for at least a month. I have asked then to help me over and over again with no results. So I do not trust them to do this and I will loose financing. please help. They doubled my loan amount. I have tried to get the loan modified. sent paper work twice was denied and I have no idea why. I asked then to look into it never heard from them. I called again they said that they have no idea why I was denied. So I have no faith that they will do what they say.

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 2016-09-20 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:
The debt collector is repeatedly calling my father 's cell # that I listed above. They also have called my cell # on several occasions. I do not know who these people are or what debtor they represent.

Company response to consumer: Closed
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
My HELOC was interest only and became Interest and Principle to be paid in 5 years. I asked Specialized Loan Servicing to do a HAMP2 to make my home affordable on this XXXX mortgage, I have a Hamp on the XXXX. They refused and did a modification lessening the payment by about {$80.00} a month Payment $ XXXX per month. Now I am asking for a modification or short pay buyout and this has been going on since XXXX XXXX, 2015, they keep saying they have not received the documents requested and I have email them many times. Attached are the Documents they requested and said they did not receive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
Berlin-Wheeler, Inc-MO is apparently a collection agency. They are reporting a {$50.00} collection from my primary care physician XXXX XXXX XXXX. My doctor requires all co-payments be made at the time of visit as this {$50.00} was paid. I 've returned to my physician many times since then and they have never inquired or requested {$50.00} as stated. The contact information from Berlin-Wheeler is XXXX. XXXX XXXX in XXXX XXXX, MO XXXX. XXXX : XXXX and use account # XXXX. Also use Address ID # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Since Specialized Loan Services ( SLS ), has assumed responsibility for my mortgage XX/XX/XXXX, I have experienced ongoing issues ( i.e., misc unexplained fees charged to my Escrow Account, additional principal paid and not applied, payments being significantly increased without justification and/or notice, etc. ). 

On XX/XX/XXXX I contacted SLS as I received an " Intent to Foreclose '' notice. I immediately called and spoke with XXXX. XXXX stated I had been XXXX cents short in my last 13 payments and owed {$1.00} to bring my account current. I was told that due to my BK status, I was not provided any documentation/notice ( NOTE : My BK was completed and case closed on XX/XX/XXXX ). I paid the {$1.00}, reviewed my payment history with XXXX and was assured my account was current and I only owed upcoming XX/XX/XXXX payment in the amount of {$1100.00}. I was also advised by XXXX that they will now send me monthly statements and first one was mailed to me on XX/XX/XXXX. To date, I have not received the statement. 

I logged into my SLS account on Friday and saw a past due balance and notification they have a 'SUPPRESSED - BAD ADDRESS '' for me. I called SLS today as they were closed yesterday for the holiday. I spoke to XXXX ( Supervisor ) regarding address and confirmed the address SLS has on file for me is my correct address. She also told me my account was 60 to 90 days past due. I was then transferred to XXXX in Executive Services, who informed me her records show I was 90-days past due and that every month I make a payment, it is being applied to previous months. I let XXXX know that I have never been late with my mortgage payments and had been through this for over 2 years with SLS. I let her know that their accounting systems are incorrect not to mention NOT transparent. I explained my frustration that every time I speak to an SLS representative, I am told a completely different story about my account. I let her know I have an XXXX spreadsheet noting every payment made to SLS and date my checks have been cashed. I also told her I have {$520.00} in additional principal paid XX/XX/XXXX and XX/XX/XXXX that no one has accounted for to date ( has not been applied to principal or escrow account ). 

I am filing this complaint as a matter of formal record to complain about SLS 's accounting system/ lack thereof. How on XX/XX/XXXX can I be told I am current and 11 days later I am advised I am 90 days past due? Attached is my XXXX spreadsheet for your perusal.

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 2016-03-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Hello my mortgage was transferred from XXXX XXXX to this company called SLS Specialized Loan Services llc XX/XX/2015. before my loan was transferred I had a monthly payment with XXXX XXXX for {$580.00} per month including taxes and insurance, never missing a month payment. XX/XX/2015 XXXX XXXX increased my payment to {$630.00} claiming the insurance had gone up. After my loan was transferred in XXXX 2015, my first three months were the same at {$630.00} then my XX/XX/XXXX statement came with a new monthly payment of $ XXXX/per month. I then called this new company SLS and was told there is an escrow shortage, this company SLS increased my monthly payment again it then went from XXXX to XXXX plus an additional amount of {$270.00} per month. This amount is not adding up unless iam paying double and triple for escrow. Iam asking for this to be resolved please.

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