vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-15 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: WA

Complaint narrative:
Specialized Loan Services took over my account from XXXX XXXX XXXX XX/XX/XXXX and to date i have not had XXXX payment or interaction that i could call positive. The latest incident is that since XX/XX/XXXX SLS is cashing my payments but not posting any of them to my account. I have called to have a " miscellaneous fee '' of {$110.00} explained. They would not send further documentation and the phone representative said they can not provide or explain. In the last two months i have made the following payments but the value of my loan is rising rather than decreasing. 
XX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XX/XX/XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : {$370.00} ( Pending - on hold until payments post ) TOTAL PAYMENTS MADE : $ XXXXIs this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
I recently had my mortgage purchased by Plaza Home Mortgage several months ago. I have made all of my payments to Plaza Home Mortgage in a timely manner and was early for the payment due on XXXX/XXXX/XXXX. The early payment was paid electronically on XXXX/XXXX/XXXX and was processed on XXXX/XXXX/XXXX according to my bank account. Last week XXXX, I received several phone calls from plaza home mortgage which the person hung up on me. I immediately called back and was informed by the recording that I had tried to call after normal business hours. When I did eventually contact an employee who identified himself as " XXXX '' I was informed my account had been transferred to collections and that any information obtained would be used in an attempt to collect that debt. I informed XXXX that I had made all of my payments on time and he informed that all of Plaza Home Mortgage loans were considered to be in collections as an outstanding debt until the loan is paid off completely. XXXX assured me it was an accident on their part and my account was in fact current and should not worry about it. On XXXX/XXXX/XXXX, I received a mid month statement from Plaza Home Mortgage stating I owed an overdue amount and would need to make a double payment on XXXX/XXXX/XXXX. As someone who has gone through a foreclosure in the past I am afraid anytime someone tells me I am in collections and I also fear this would reflect poorly on my credit report if these false delinquent notices continue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: State Finance Company
State: TX

Complaint narrative:
A manager by the name of XXXX XXXX told my brother by telephone that I was on a list to be taken to court when in fact that was not going to happen. I then spoke to a more pleasant woman by the name of XXXX who advised if I made a payment my loan would refinance. That never happened and it has charged off since. I applied for a loan with a different company and that company called Broadway Finance. Someone at Broadway Finance told this other company how a previous conversation went and brought up irrelevant info not pertaining to the issue at hand. I do believe FDCPA laws are and have been violated and they need to be investigated on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
I am attempting to refinance my loan that was just recently transferred to a new servicer. Under federal law any payment made during the first 60 days from the effective date of transfer must not be treated as late. My loan was transferred on XXXX XXXX and I did not receive new payment information for my new service until XX/XX/XXXX, therefor my XX/XX/XXXX and XX/XX/XXXX payment were made together. Considering I am attempting to refinance my mortgage my " mortgage verification '' statement from my most recent servicer is showing a delinquent payment and has told me they will not remove with from their report. Again, under federal law all payment during the first 60 days should not be treated as late and this is having a negative effect on my ability to refinance my mortgage.

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 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
The Servicer of my mortgage ( Banco Popular de Puerto Rico ) foreclosed my home. 
Banco Popular de Puerto Rico is only the servicer. Banco Popular de Puerto Rico bought the servicing rights on XX/XX/2008 to the original lender, XXXX XXXX XXXX XXXX. 
Banco Popular de Puerto Rico did not answered any of more than XXXX Validation/Qualified Written Requests letters. 
XXXX XXXX is the owner of the Mortgage and the Note, according to the " Look-up Tool ''. 

A Validation letter was sent to Attorney XXXX XXXX XXXX, when acting as a debt collector she did not responded and did not stop the collection process or the foreclosure. 

XXXX XXXX XXXX XXXX, Supervisor of the Foreclosure Deparment, declare in an affidavit, that the Banco Popular de Puerto Rico is the holder of the note by endorsement. 

The attached documents are in XXXX. That is the normal commerce language in 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 2016-02-15 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:
XXXX I took a 30 year interest only loan for {$690000.00} in XXXX, CA. We also took out a XXXX loan with an interest only adjustable HELOC ( purchase money loan ) for {$130000.00}. Both loans were with XXXX. 

The housing market crashed and around XXXX we were having trouble with our mortgage and HELOC. We completely stopped paying for our HELOC way back then. 
Our house was completely underwater. 

Both loans were with XXXX and we received a terrible loan modification that raised our payment and we went back into default. XXXX sold both loans to XXXX XXXX XXXX. Again, applied for loan modifications for over 2 plus years. Again, received another one that raised our payment. These modifications were not set up to help. Still we were not paying our XXXX. XXXX XXXX XXXX sold our HELOC loan to XXXX XXXX XXXX. Still no balance info and no payment made since XXXX. After many failed attempts I filed chapter XXXX BK in XXXX. 

Filed a complaint with CFPB about the predatory lending we had been through. Received and successfully completed a sustainable payment with a loan modification. We have been paying our 1st mortgage for over 3 years. It seems XXXX XXXX XXXX sold our loan to SLS Lending. They were part of the predatory lenders and I just received a letter from them about nothing I can understand. The letter was not dated, with no account info. I have not responded to them via phone, email or letter. I have filed a complaint with you as the validity of this debt they may or may not claim I owe. 

In addition, XXXX XXXX XXXX and XXXX both faced law suits and were ordered to forgive XXXX XXXX dollars in HELOC loans. We were never notified of this at the time and we believe this loan would fall under this category. We are current on our first loan and it is our primary residence. We can not afford to pay a new loan. Our 1st was modified based on hardship and we can not afford to move. I believe this HELOC loan should have been forgiven at the time of our loan modification as we were underwater. This week I filed XXXX complaints. XXXX for the HELOC to be forgiven based on a major settlement. And the second against SLS Lending for trying to validate or collect this debt that may or may not exist.

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 2016-10-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
Twice now I enter XXXX to the online payment form but they would change it to XXXX.

Company response to consumer: Closed
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Continental Central Credit, Inc.
State: CA

Complaint narrative:
This is regarding maintenance fees for our timeshare. and XXXX XXXX out of XXXX, CA. We were on auto payment and with no notice the company took us off and sent us to collection, XXXX XXXX XXXX in XXXX, CA. We have XXXX timeshares and they were both on auto deduct and the payments were about {$7.00} different from one another so we did not notice that they had stopped. We received 2 calls and collections was NEVER mentioned. They sent us to Continental Central credit who is charging us more than XXXX % in fees plus interest of the total amount due! How is this legal. So many industries are regulated and I find it hard to believe that they are n't. This is like loan shark fees I can imagine. We never signed anything agreeing to these exorbitant fees. We owe the money and would like to pay it but XXXX XXXX wont take any payments and in the meantime they are setting us up to fail. We believe these are UDAAP violations and that they want our time share back and are forcing our hand. The more time that passes the more the money adds up that we owe them. We were on a monthly since that is easier than having to come up with a lump sum. Looks like they are getting their way so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 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: Metro Collection Service Inc.
State: CO

Complaint narrative:
Hello, I have disputed this account with XXXX and XXXX as not mine. In return they came back with their investigation stating this account has been verified, In return sent a letter to Metro Collection Svc. requesting validation of this debt via Certified letter with no response, I again wrote and disputed with XXXX and XXXX. They stated this account has been validated to be correct. I have not been given any proof of this debt, I do not know who Metro Collections is nor the original creditor XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
The new mortgage servicer, Speclialized Loan Servicing did not provide me with the required welcome letter. The law requires that borrower receive two notices, one from your original mortgage servicer, the other from the new servicer. Unless you received a written transfer notice at settlement, your current servicer must send you a " Dear Borrower '' letter at least 15 days before the effective date of the transfer, which would be when the first payment is due at the new servicer 's address. The second notice -- a so-called " welcome letter '' -- should come from the new servicer, which must notify you within 15 days after the effective date of the transfer. 
Moreover, Speclialized Loan Servicing is engaging in the prohibited practice of dual tracking while I 'm under review for a loan modification. I was under review with the prior servicer, XXXX XXXX XXXX XXXX, XXXX and just prior to the transfer of Specialized Loan Servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
XXXX, XXXX and SLS, Specialized Loan Servicing LLC, has hired an agent in a XXXX XXXX XXXX, WA license # XXXX, to take pictures of our home on a monthly basis. We have a motion sensor camera system that has documented this trespass monthly. This XXXX/SLS agent is doing so by coming down our private road without our permission. XXXX/SLS is now notified that they, or their agents, do not have permission to travel on XXXX XXXX. XXXX, XXXX, WA XXXX on foot or in any vehicle, as it is a privately owned and clearly marked PRIVATE ROAD. We demand that XXXX SLS, and their agent, XXXX XXXX cease and desist from this trespass on private property and harassment and STALKING of XXXX and XXXX XXXX .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: OK

Complaint narrative:
I had an XXXX wireless service that I cancelled due to poor services in my area, I switched wireless provider to XXXX back in XXXX 2015. XXXX was going to pay for all cancellation fees to XXXX XXXX XXXX since I was porting out my number to the new carrier. Then, I started receiving collection attempts from XXXX XXXX XXXX in the amount of {$810.00} for cancellation fees, which XXXX notified that they paid for. My account was forwarded to this collection agency Franklin Collection Service , INC . They have n't stopped sending me threatening mail communication letter, and they 're not even licensed to collect in the state of Oklahoma. They need to remove this account from my credit reports since these charges were paid by XXXX, and they are still trying to collect on this account, and also ignoring my letters to cease and desist any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Progressive Financial Services, Inc.
State: VA

Complaint narrative:
XXXX had XXXX cable service I installed the service XX/XX/2013 Returned Equipment on XX/XX/2013 Balance XXXX say I owe but they charged me for service 2 month after Return cable boxes, which means I was not provide any service and should n't have the XXXX months plus I was charge for none service I have paid them more than XXXX plus dollars and the show a balance of {$690.00} and the turned over to collection and the balance is with XXXX {$820.00} and the on my credit report is at {$830.00} XXXX different numbers and is causing me great harm, If given credit for XXXX mouths charged plus I would n't old nothing if I give proper credit and credit for what I paid to XXXX and why is there XXXX amounts due

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 2016-07-14 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: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
XX/XX/XXXX, I decided to change my cable service from XXXX to XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX service technician came out to install the service, but informed me that I did not have a proper spot to install the dish and that I could not have the service. I called XXXX XXXX XXXX to let them know that I could not receive the service per the service technician. I asked them to please cancel the service, the customer service agent said that there will be no charge and all services are canceled. Later in the months, a bill was sent saying that I owed them {$130.00} for services. I explained to them that I canceled the services and they were never installed, I never even discharged XXXX services. They once again assured me that they will take care of it. After some months past, I noticed on my credit report that I owe XXXX XXXX XXXX, I disputed the charge, but XXXX XXXX XXXX kept reporting it. I have been harassed by credit agencies for over a year, until I decided enough is enough and contacted the XXXX. The president of XXXX XXXX XXXX finally contacted me to apologize and inform me that I do not owe anything and the charge would be remove from my credit report. I replied back stating that I should be monetary awarded for the harassment, embarrassment, a false amount posted on my credit report and being depressed for their mistake. I have not received a reply since XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Comerica
State: MI

Complaint narrative:
Comeric bank gave my father XXXX a hom equity loan against my house that i own with my husband. they admitted in court tht they did not look into the title which has been in our names since XX/XX/XXXX and in XX/XX/XXXX they gave my father a loan and since he has passed away they have this lein on my hoouse and have been threating my family to foreclose i do not find this fair i need help please they already tols my then XXXX year old daughter we are going to be on the streets because he low life parents dont pay the bills. this is wrong to make her worry. it is not her bussiness .please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Other financial service — Foreign currency exchange
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: IL

Complaint narrative:
I made a purchase on XXXX XXXX, 2016 at XXXX through Xoom.com of a {$17.00} United States XXXX for a phone reload of {$16.00} United States XXXX for the amount of {$300.00} XXXX pesos, which incurred a transaction fee of {$.00} United States XXXX to add up to the {$17.00} XXXX. The phone carrier in XXXX is XXXX. The number for which I processed the reload is XXXX. The Xoom tracking number is XXXX and the recipient is XXXX XXXX XXXX, my wife. 

The transaction did not go through and I have asked xoom.com to return my money and they say that they can not do it because the money has been deposited to the carrier, which is not true. 

I am seeking the full refund of my {$17.00} United States XXXX because the company has not provided the service they promised. 

I am waiting for them to do something. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Purchased a car from XXXX XXXX XXXX in XXXX put {$6000.00} down and in less than four months transmission went out they told me the car was still under manufacture warranty when I bought it because I kept asking for an extended warranty but instead they sold me GAP and told me the manufacture warranty was still good. XXXX would not repair the car they said warranty expired 2 months prior to the repair which was {$4500.00}. I filed a complaint against both companies with XXXX. Went months trying to get a resolution. I was paying my car payment plus XXXX of dollars in rentals. Could n't afford both renting and car payment so I let the finance company know what was going on. So they went and repo the car because I told them I could n't afford the repairs and the dealership was going to place a lean on the car because it had been there for two months. So Exeter Finance picked the car up. Several months later I receive a memo from XXXX saying I can have the car repaired but by now the car is gone Exeter sold it and I 'm stuck. Lost {$6000.00} plus spending nearly $ XXXX a month on rental cars. I am currently spending {$250.00} a week on a rental car because now I ca n't even get a car loan with a repo. I just think this whole situation was not fair and I was cheated as a consumer by all XXXX companies XXXX, XXXX and Exeter Finance who did n't even give me the opportunity to try and get the car back they picked it up and sold it immediately without any communication with me. I paid all my payments on time and communicated with them through everything that was going on. I have XXXX children and this situation has caused me to have a great financial hardship and nobody had consumer centered customer service in this situation. XXXX tried to give me a repair order but it was too late now what do I do I ca n't afford to keep paying for this rental.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 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: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I recently checked my credit report and saw a negative entry from Franklin Collections in the amount of {$300.00}. I have never been informed of any outstanding debt by any companies and was never contacted by phone or mail by this collection agency. I contacted Franklin Collections on XXXX XXXX, 2015 by email to inquire about this supposed debt. After providing XXXX XXXX XXXX my social she responded back with saying I have a case number ( XXXX ) and that it shows a debt of {$300.00} for XXXX XXXX XXXX XXXX. 

I have never in my life had an account with XXXX XXXX XXXX or used XXXX service. As a matter of fact, XXXX service is not even available in my area! 

They did not provide me with the name on the account but when I proceeded to contact XXXX XXXX XXXX, they said they could not provide me with any names or phone numbers associated with the account and that to handle this I would need to file a dispute with the credit agency. 

I have requested multiple times to XXXX XXXX to offer me information on opening a dispute but get no reply. She was quick to offer me informations out the amount owed but now I am being ignored and have this negative entry on my credit that does not belong to me. 

Here is the collector 's information : XXXX XXXXCustomer Service SupervisorFranklin Collection Service Inc. 
XXXX XXXX XXXX XXXX. 
XXXX, MS XXXX Ext. XXXXFax XXXXXXXXXXXX

Company response to consumer: Closed with explanation