vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-17 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: IL

Complaint narrative:
I refinanced my Mortgage with XXXX XXXX XXXX. Soon after, the mortgage and the home equity loan were both either sold to or turned over to SLS ( Specialized Loan Servicing ) to servicing. 
They have proven to be totally incompetent. I have called them on numerous occasions to complain about accuracy of statements and receiving multiple statements per month, each with different information. 
I called them again this morning, pretty upset, that I currently have XXXX separate statements from SLS for my Home Equity Loan. 

Here is a recap of the current XXXX statements I have from SLSAll XXXX state a due date of XXXX/XXXXDated XXXX : ( Why am I getting a statement a full two months before it is due? ) Amount due XXXX : {$50.00} Late fee if not paid by XXXX $ XXXXXXXXDated XXXX : Amount due XXXX : {$50.00} Late fee if not paid by XXXX : $ XXXXXXXXDated XXXX : ( apparently I have a credit? ) Amount due XXXX : $ XXXX Late fee if not paid by XXXX : {$2.00} ( why would there be a late fee or a due date if I have a credit? 

Dated XXXX : Amount due XXXX : {$50.00} Late fee if paid after XXXX : $ XXXXXXXXAs you can see, XXXX different statement dates, all say due on XXXX, yet all XXXX provide conflicting information. 
This is absurd. I do not trust these people with my money. 

I would like to know:1. 
Does XXXX XXXX XXXX still own the loan, or was it sold to SLS? XXXX XXXX XXXX tells me they sold it. SLS tells me they do not own it, are only servicing it. 
2. 
I put my trust in XXXX XXXX XXXX. I do not have any trust in SLS. I do not want them handling my money because they do so in such an irresponsible manner. If, indeed, they only service the loan - how can I have the servicing transferred to another company? 
3. 
What is SLS? Are they are servicing company? A bank? A debt collection agency? I am told different things by SLS, depending on who I speak to. On the back of their monthly statement it says " This communication is from a debt collector '' I hate to think that my mortgage and home equity loan are both owned by a debt collection agency? How can that be, when it was financed by XXXX XXXX XXXX and it has never been paid late? 
4. 
What can I do to ensure they fix the problem of multiple monthly statements, each containing different payment information? 

5. 
Mostly, what can I do to rid myself of SLS? 

Thank you, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 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:
There is a serious communication problem on understanding our request for answers. So in attempt for simple answers this is an easy YES OR NO selection to the following questions : DO YOU -- -- -SPECIALIZED LOAN SERVICING FOR BANK XXXX HAVE THE REAL ORIGINAL LOAN AGREEMENT ( NO COPY )? YES OR NO? IS THERE A LOCATION TO WHERE WE CAN GO TO SEE THE ORIGINAL LOAN AGREEMENT IN PERSON? YES OR NO? This is very simple to answer can anyone at Specialize Loan Servicing understand these requests? YES OR NO?

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 2015-04-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
I am writing a complaint against Gold Star Finance in XXXX XXXX, TX. I recently sent them a certified Cease and Desist letter with the help of my financial counselor after a hardship I am experiencing that has caused me to default on a loan. I can no longer pay them as I only have {$800.00} a month in Social Security to live off of. This morning I was harassed over the phone from Gold Star Finance & gt ; They stated they were sending someone over to my house. Also when my home health provider tried talking to them over the phone to let them know it was not necessary they threaten to call XXXX on her because they claim I am being abused by her. I am afraid for my safety. My Financial counselor and I made a police report over the phone and this evening an officer will be coming by my home to take the rest of my report against Gold Star. I know I owe them the money however I can not afford to pay them. I was paying them up until last month however because I paid them I fell behind my utilities and had to get assistance through community resources to keep my electricity from being cut off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
A credit card account went over the balance, I usually keep it high to make it gain interests, after the month 's end, the financial institution ( Banco Popular de Puerto Rico ( BBPR ) ) charged the usual monthly interest rates on the card, it goes over the credit Limit on XX/XX/XXXX, by XX/XX/XXXX XXXX I 've submitted my payment. 

Today XX/XX/XXXX I receive an alert from XXXX that there is a negative report on my XXXX XXXX Credit Report. This financial institution after making my payment on time ( which I make multiple payments a month ) is targeting me from working at a local competitor company by holding my fund on my checking account as well, but I 'm resolving that issue by moving to XXXX 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 2016-06-16 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: UT

Complaint narrative:
We filed Chapter XXXX bankruptcy on XXXX XXXX, XXXX. We had a home mortgage with SLS as the servicer. No notice was filed with the bankruptcy court pursuant to XXXX indicating that there was any money owed on our second mortgage with SLS. No notices were filed in the entire case that indicated any fees were due. After requesting our payment history I found out that fees were charged on my account ostensibly related to the bankruptcy on XXXX XXXX, XXXX and XXXX XXXX, XXXX more than a month after our discharge. Neither fee was ever disclosed to us and we only learned of it when it showed up on our bill. This appears to be an improper collection of fees without providing the required notice.under the law.

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 2016-01-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
I am behind on y mortgage and am getting assistance from The state of Arizona and the hardest hit fund set up by the government. All I am asking for is a current statement which they wont supply for thirty days. They plan to foreclose XX/XX/XXXX and it takes the state at least 30 days after receipt of the statement to fund the deficiency to the bank. I can not get them to send me this information and I do not have an alternate place for my wife, XXXX young children and ailing mother in law who lives with us Account number XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. This company purchased my mortgage loan recently and I have a perfect payment history. I have called on XX/XX/XXXX and spoke with XXXX who was rude and avoided my direct question whether they were a licensed third party collection agency-she finally admitted " yes '', I asked, why would SLS send a new customer a " collection notice '' and it even referenced that it was an attempt to collect a debt ... she said because they also service delinquent loans. I replied by saying my loan was NOT delinquent, and that I received my XXXX mortgage payment notice had incorrect payment amount and that it did n't reference my separate check # XXXX for an escrow shortage of {$740.00} and XXXX said that my info was wrong, there was NOT an escrow shortage ( even though I have notice from previous lender that there was so I sent the payment and check was cashed but not applied to my shortage ). I was promised a return call by XXXX a supervisor no later than XX/XX/2016. I never got a call and called their customer service number XXXX and was on hold for 16 minutes and hung up. I called back again today and same thing. I expect an immediate reply to my incorrect mortgage payment and an apology for treating a new customer so rudely and poorly. My next payment is due XXXX so urgency is appreciated.

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 2015-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
XX/XX/2015 I was notified that my mortgage with XXXX XXXX XXXX was being taken over by Specialized Loan Servicing , LLC. All payments after XXXX would go to SLS.I made 3 payments to them ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). Each time they delayed and harassed me about late payment. I phoned them, spent several hours talking to them trying to resolve this. Kept getting passed around. Now they have cancelled my insurance, yet collected for it in the escrow account. I responded to the first letter. Received another letter ignoring my first letter. Every time I send a letter, I send it return receipt requested so I know they have gotten them. I did not ask to do business with them, I was perfectly happy with XXXX XXXX XXXX. They should operate in an ethical and professional manner and they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
I have submitted a complete short sale file to SLS now multiple times and can not get anyone to work the transaction. The negotiator this file was assigned to dropped the ball multiple time before she left on " leave '' and SLS did n't bother to reassign the transaction to anyone. I have emailed and left a voice message for the CEO trying to escalate my concern with no return correspondence. the first lien was approved and has been closed out twice now because of SLS delays ( they are the XXXX lien holder ). SLS 's phone system does n't allow you to get through to a live body instead it requires you schedule a call back from them. In return they never call you back.

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 2016-06-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
My mortgage loan holder is Specialized Mortgage Services of XXXX XXXX. My loan number is XXXX. A bank draft from my personal checking account with XXXX XXXX of XXXX was sent directly to XXXX, sent in time to arrive on or prior to XXXX XXXX, 2016. Due to the fact that I check my bank balances every morning, I noticed that the payment to my mortgage loan account was never credited nor deposited. After several phone calls to SLS, it was mutually determined that I would stop payment on the first draft and issue a second one. A bank draft from my personal checking account reached SLS on XXXX XXXX and was deposited on that date as well. XXXX XXXX was, according to SLS the last day that payment received by SLS would be credited to the account as " payment made on time. '' A stop payment on the first draft was issued on XXXX XXXX, 2016. I was subsequently served with a letter by SLS stating that my payment was refused due to a stop payment. On XXXX XXXX 2016 I received another letter dated XXXX XXXX 2016 from SLS stating that my mortgage loan was delinquent by more than 30 days, and they had not received my XXXX payment. A cursory review of my checking account shows both the XXXX and XXXX payment deposited by SLS. I have never been late with am mortgage loan payment in the 23 years I have been a home owner. How can I get XXXX to respond and stop their bad behavior?

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 2015-10-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANCO POPULAR DE PUERTO RICO
State: WA

Complaint narrative:
This matter pertains to four issues : ( 1 ) This company has placed multiple claims in my credit report for the same item. I have disputed this and all items below a number of times without a single response from the company. The company has now sold the account, yet continues to list it as a damaging item in my credit. 
( 2 ) This company is falsyfing information about last payments to claim this needs to remain in my credit longer than it already has been. They first claimed delinquency in 2008, when contacted them about proof they were not able to provide any. 
( 3 ) This company never provided any evidence or substantiation to the amounts being reported. I engaged a lawyer to help me and this company refused to furnish any data. 
( 4 ) This company sold the alleged debt to a third party, continues to report this old item, while not being able to provide any data as to the source of this claim, dates, or any relevant information, and has not contacted me directly, rather it has called my mother and other family members and disclosed that I have a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I purchased a system from XXXX XXXX as a free trial for {$24.00} and returned it to the merchant before the trial period expired since the merchandise was defective. The merchant never returned the initial amount of purchase but then charged me for the next month supply ( which I never received ) as a recurring fee of {$69.00} and I disputed the transaction and told them I have already returned the system and they should n't be charging my card with any recurring fees because I wanted no business with them. All I know after that I started receiving calls from a collection agency named Monterrey from which I have never received any mailing stating why they are charging me the amount of {$590.00} reflected in my credit score or how to dispute this transaction. They are harassing me with calls at anytime, even when I have told them to stop calling me at work, they got my house phone number even when I never gave out this number and have n't stopped calling me since. I called the original merchant for an explanation of why they are charging me that amount when they have the system back and they just blew me off telling me I need to talk to the collection agency. I 'm seriously considering a civil action against the XXXX companies for unlawful business practice ; they are charging me for an amount they have n't disclosed in detail why I owe them, then harass me at any given time they feel like calling me, I have asked them for a detailed explanation of the " debt '' and as a consumer I have not received any plausible explanation of this so called " debt ''. It 's been a year since I first purchased this merchandise and returned it, and it 's getting to the point that they are ruining my life with this issue, they will wake me up my sleep with calls. Please help me with this matter, I do n't know what else to do. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Student Aid (USA) Funds
State: MI

Complaint narrative:
This fraudulent debt appeared on my credit file. I am a victim of identity theft. So I notified the company 's and they refused to show original contracts so I can better investigate the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I attended XXXX Colleges in XXXX and utilized their student loan services. I called the lending institution to put my loan into a deferement as I 'm still in student status, albiet at a different college, and I was informed that there was no such option. The statement clearly says " XXXX Colleges XXXX '' on it, but when you call the customer service number the phone is answered with " Patient Billing Services ''. It appears that XXXX treats their student loans as patient bills and there is no way for me to defer the loan or to lower the interest rate.

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 2016-06-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Specialized Loan Servicing ( SLS ) recently wrote to inform me that I did not provide them with all the documents needed to complete my modification application. This is untrue and follows the pattern of months of having to resend documents multiple times. In fact XXXX of their agents informed me today that the document first thought missing was actually sent by me on XXXX XXXX. As a result of not acknowledging or accessing all available documents for their review, I was informed by an agent today that I have to restart the modification application process. I first started this process with SLS on XXXX XXXX, 2016.

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 2015-06-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
Re : Specialized Loan Servicing , LLC ( " SLS '' ) In an effort to do a Short Sale on a property that my XXXX year oldmother owns, SLS, has scheduled an auction of the property forXX/XX/2015. We have submitted all requested documents andwere initially told that consideration of the Short Sale process wouldproceed. Upon calling SLS yesterday, my mother was informed that SLShas decided NOT to go ahead with considering the property for ShortSale because we are too close to the auction date. We currently have aCASH offer for the house and are seeking postponement of the sale datein order to be considered for a Short Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have been asking for assistance from Specialized Loan Servicing for three years now, due to financial hardship. They stopped taking any payments from me since XX/XX/XXXX and have denied me help three times. Last month they started foreclosure proceedings, yet still suggesting I fill out the RMA ( Request for Mortgage Assistance ) a fourth time. A friend gifted me a decent sum of money to bring my HELOC current and start anew. The amount at the time was about {$8900.00}. One month later, last Mon, XX/XX/XXXX, I was given a payoff in the amount of {$9500.00} and change. When I called Wed because $ $ had cleared so that I could pay, I was told that I know owe over {$11000.00}, which of course I do n't have. In one month, SLS increased what they wanted from me by almost {$3000.00}, saying the person ( XXXX, Relationship Mgr ) should n't have given me the figure she did over the phone. I was told there are " other fees '' involved, like escrow fees and fees they paid to start foreclosure. First, my loan is already escrowed with my XXXX, and XXXX, it was their decision to start foreclosure proceedings instead of work with me, so why should I pay for their cruelty when I have been doing nothing but try to work out something with them?! It 's ludicrous what these lenders are allowed to get away with. 
I have a mediator from XXXX County of Consumer and Business Affairs helping me, as I have been struggling with SLS for four years now. I first went to them XX/XX/XXXX when they were going to increase my payments as the draw period ended, as I knew increasing monthly payments would be a hardship. Had they helped me then, when payments were {$200.00} a month, I would not be in this position now. 
Earlier this year, they sent me an offer with higher payments than the $ 300-plus they had increased my payment to, plus had respond dates that were two months past! I was told to send a letter, after a Relationship Counselor agreed that the offer had errors, so that they could rework it. That never happened. They sent me a letter saying they were starting foreclosure proceedings. 
A letter received by XXXX County Consumer & Business Affairs acting on my behalf now says that a letter SLS has sent off to me as a result of a request made to them last week has given me the sum of {$11000.00} to reinstate my loan and stop all foreclosure activity. As days go by, I 'm certain SLS will not hesitate to keep tacking on an exorbitant amount of unnecessary fees, just because they can. It seems they are n't regulated much and the consumer has no recourse, yet if a lawyer got involved, which I can not afford, those fees would be eliminated. In my experience since my loan was sold to SLS, they 're are only in the practice of making as much money off their customers as they can, instead of helping homeowners stay in the homes we worked hard for and deserve.

Company response to consumer: Closed with explanation