vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
The lender placed the file in review and did not postpone sale for this review - the lender is in violation of Dual Tracking. The lender also is not allowing the time in which the client has to appeal the decision on the review for loss mitt. The loan was denied on XX/XX/2017 due to not being able to get the pmt to 31 % and it was stated that the LTV was to low to modify the loan - The lender should offer additional options. The property is value is higher than the current loan balance and the lender has not provided how they calculated the LTV - the lender is also in violation of RESPA - We are asserting a violation of the dual tracking provisions of Regulation X sections 1024.41 ( f ), 1024.41 ( g ), or 1024.41 ( j ). We were told today that the sale is still set b/c the lender has " completed review and is now issuing a denial '' - to which we still have no valid reason for nor have our clients been granted an appeal period. The borrower does not yet even have a letter stating such reason for notification of denial. RESPA : ( 2 ) Deadlines. A servicer shall permit a borrower to make an appeal within 14 days after the servicer provides the offer of a loss mitigation option to the borrower pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section. ( g ) Prohibition on foreclosure sale. If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, unless : ( 1 ) The servicer has sent the borrower a notice pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section that the borrower is not eligible for any loss mitigation option and the appeal process in paragraph ( h ) of this section is not applicable, the borrower has not requested an appeal within the applicable time period for requesting an appeal, or the borrower 's appeal has been denied ; Sale date they ( did not postpone during review ) - dual tracking, is less than 14 days away ( appeal period )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX FM XXXX XXXX, TX XXXX XXXX/XXXX/2015 Dear FTC : I wish to complaint about Equifax Credit Services, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. 
Equifax refuse and ignore to investigate and correct fraudulent info on my credit file. 

I am filing my complaint because in the pass several years Equifax ignore and refuse to investigate and make the necessary correction on my file. This fraudulent business practice make me loose a lot of money and lost a lot of business opportunity 's. 
I did request several time over the phone and buy regular mail to Equifax correct the fraudulent credit report, lately on XXXX XXXX, 2015 send a certified mail with return recite but is bin nothing happened from Equifax. 
Please attachment. 

I do believe that Equifax business practice is unfair because I given numerous time opportunity 's to correct and I believe that Equifax haze an obligation to me. 

I also requested numerous time to send me my annual free credit, but Equifax ignore this request also! 

I believe that the FTC haze the power to make Equifax to correct and send my corrected report to me on the next short period of time. 

I look forward to hearing from you as soon as possible to resolve this problem. 



XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONRAD CREDIT CORPORATION
State: OH

Complaint narrative:
My husband and I signed up for a campground membership at XXXX XXXX XXXX in XXXX MI in 2008. We used it for 2 years and found it was not what they promoted it to be. The sister parks did not want to honor our memberships and we were not happy with the quality of the parks around the country we visited. They were not the quality we were sold. We contacted them by letter and repeated phone messages that I had come down with XXXX. We live 4 hours away. We wanted to cancel. I have continued to send them letters and try to call- they never call me back and now I find the numbers are disconnected. I have just tried to get a loan and have found they have put in for collection for the annual membership fees for the past years since I sent them the letter. I need help! We can not find anyone to contact and resolve this. Membership fees are voluntary. We paid the initial cost in full. How do we get out of this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fairway Independent Mortgage Corporation
State: AL

Complaint narrative:
I did not have funds to make a full mortgage payment, so I sent a partial pay with the intent to pay the balance before the due date. A couple weeks later, I sent the balance. My total payments in the month of XXXX equaled the amount due. 
The mortgage company rejected my first partial payment, but first they cash my check and issued a check of their own back to me. I received rejection letter after I sent a check for the balance. I now have just days to figure out if they will accept the second partial payment and how much money I have to find to pay the amount due. I might have to pay additional fees to overnight a check or use the mortgage company 's telephone payment system. I was trying to make sure that the mortgage got paid, but the mortgage company is trying to make sure that I miss my XXXX payment. This is totally unfair. I should not get punished for trying to make the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
The original creditor XXXX charged illegal, exorbitant and unsubstantiated fees after I moved out of my apartment. XXXX actually owes me money from my deposit which they illegally withheld and assessed extra fees arbitrarily. The carpet was spotless upon moving out. They also charged me some random fee for carpet removal in excess of {$350.00} and provided no receipt for this work. They simply said that the work was done by onsite maintenance staff. When I asked them to provide proof that the maintenance staff was paid the {$350.00} for carpet removal, they could provide none. The maintenance staff is paid hourly and they could provide no proof of the fees. These fees are a punishment, completely fabricated and spurious. XXXX Owes me money. I demand that XXXX reimburses me for the carpet cleaning fee, the carpet removal fee and removes this collection from my credit record and restores my good rental history in XXXX at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I purchased a house about 5 yrs ago and in doing so I took out an FHA loan at which I was told would protect me in not buying a house with problems, that the FHA loan will make sure everything was on the up & up. Since I been in this house the roof has been leaking as well as the pipes rusted and bad the structure of the house is off. I have had my insurance company look at the house and they wo n't do nothing cause the say it was already there, I feel I was unfairly informed about this house being that I was a first home buyer. I was told differently about this house from the seller when buying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: TX

Complaint narrative:
over the years I have tried to pay my student loans, however, Every company that I dealt with has done me wrong. I 've payed on time and sometime early and extra, so these companies response is to change the payment schedule and how the funds are allocated. This in turn, makes me as late or non-payment. The companies are fedloan ; XXXX, XXXX, college loan, XXXX and XXXX/College loan. Consequently, my principle goes up and I will never be able to pay this off, also it negatively effects my credit rating. I tried out AFFORDABLE LIFE PLAN and it has only made it worse. I pay them a fee on top of repaying the student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Wellmont Health System
State: VA

Complaint narrative:
MCOT, XXXX, This is a scavenger debt collection agency that is illegally throwing garnishments against my wife and i, we had a bill XX/XX/2005 for an emergency room visit, this lawyer did not notify us in order to be able to take the case in front of a judge t or magistrate then garnished {$2900.00}, XXXX take all owed then sues us the XXXX time and didnt give any notice to appear in front of judge and illegally garnished my wife the XXXX time XX/XX/XXXX for the same bill from 2005 way out of XXXX of limitations and now garnishing {$3700.00} THIS IS A SCAVENGER DEBT COLLECTIONS TEAM WHO ARE TAKING ADVANTAGE OF THE PEOPLE, We have legal XXXX of limitations to protect the consumers, allready ruined credit XXXX years and is now trying to renew an old debt from XX/XX/2005,XXXX and XXXX after this debt was started, THIS WILL BE REPORTED TO THE BAR ASSOCIATION AND XXXX. we are a family of XXXX with XXXX working and XXXX diabled and is not drawing XXXX yet.It takes every dime my wife makes to pay our bills and have food for our family, THIS MUST BE STOPPED! SO IF YOU HAVE MCOT TRYING TO SCAVENGER OLD DEBT PLEASE REPORT IT, THIS IS NOT LEGAL AND NEEDS TO BE FOUGHT AT THE HIGHEST LEVELS, They garnished my wife XXXX time allready and we did not get a chance to go in front of a magistrate or judge, this is illegal, We should have been notified, Now here we are again with no notifications only garnishment for the XXXX time for a debt thats over XXXX IS NOT LEGAL AND IT MUST STOP! THEY ARE BUYING UP OLD DEBT FOR PENNIES ON THE DOLLAR AND OUT OF XXXX DEBT, GOING ABOVE AND BEYOND WHAT IS THE LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Say I was seen in emergency room for XXXX I am XXXX yrs old had them when I was XXXX & XXXX. Notmy debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: WAKEFIELD & ASSOCIATES, INC.
State: AR

Complaint narrative:
This is the closest category to my situation. XXXX XXXX was authorized to withdraw {$200.00} a month from my bank account with my bank. Around Friday afternoon on XXXX/XXXX/2015 a check went thru the bank and was rejected pending manager approval for {$1700.00}. I can not contact the bank manager until Monday XXXX/XXXX/2015 to attempt to plea my case. XXXX XXXX has not contacted me since our conversation last year. At that time they only had permission to withdraw $ 200 monthly from my account. The collection agent was very rude at the time. No further communications have been received from them by mail or phone. No communication was made about a {$1700.00} draft on our account. No communication was made about a forced final payoff. The collections agent scheduled a return call for XXXX of 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: STATE FARM BANK, FSB
State: OR

Complaint narrative:
This is State Farm XXXX. Can you helpI handed XXXX XXXX {$40000.00} to put in to a saving account in XX/XX/XXXX to go with my life insurance so my son would get it if I die. I have Close all of my account with state ( for all of Lies ) as XXXX But for some reason He keeps giving me the run around and will not give me back my money. Every time I call him or his office they tell me it is going to take 7 days I do n't think he planning on paying me back

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have a negative account in which I do n't know about on my credit report for XXXX. I am not familiar with this account and it does not belong to me. It 's for almost XXXX and I have no idea how this mix up happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: NJ

Complaint narrative:
I have no knowledge of this debt and I did not receive any communication on this outstanding Medical bill and did not receive notice of my rights to dispute this debt before it was added to my Credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I have signed XXXX different car lease contracts and XXXX purchase loan since XXXX 2011 with Honda Financial Services through XXXX different car dealers in XXXX, Georgia ( XXXX XXXX Honda, XXXX Honda and XXXX XXXX ). In all of these cases, the experience of dealing with the financial manager was extremely stressful and I truly believe that the XXXX contracts I signed were outrageously overpriced ( over {$300.00} per month ). Due to my lack of knowledge in the financial aspect and the urge of my family to have means of transport in this complicated city I was left with no option but to sign these contracts. When I commented with my coworkers about my monthly payments they would always say, " But why are you paying so much? '' Also, when I watched TV commercials I would see ( and still see ) that lease offers were much more below than what I was really paying ( up to {$150.00} less ). On my latest experience purchasing a Civic at XXXX XXXX in XXXX, the salesman even told me that my monthly payment would be {$500.00}. I protested and said that I would never pay that amount! He quickly called the financial manager to not lose the sale. I read this week about the discrimination lawsuit against Honda Financial Services and it made me deeply think that being myself a XXXX this was the reason why I was being overcharged on my different contracts with this company. I want a revision of my contracts with Honda Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: GA

Complaint narrative:
This company continues to call from different area codes and phone numbers up tp 20 times a day after I have informed them to stop calling and to send whatever information they say is owed to them to the address on file which I have yet to receive, however the phone calls as of XX/XX/2016 have continued.

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 2015-10-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc.
State: OH

Complaint narrative:
The company ( Collection Bureau of the Hudson Valley ) accepted funds to legally settle a debt ( XXXX XXXX ) but never provided information that the debt was settled. They never refunded me or the debt management company ( XXXX XXXX XXXX ) I was enrolled and working with. I would like for them to refund my money. My account was paid off by me in full. If they had actually completed the settlement when they received the funds my credit report could have been updated correctly for a long time prior to me paying the debt off in full. XXXX responded to me about the arrangements are as follows : XXXX XXXX - XXXX. And the rep confirmed the same Account Number to me as well. 

The settlement we had worked out with Collection Bureau of the Hudson Valley was for {$120.00} on the balance of {$240.00}. We paid off the amount in the manner as follows - {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment. 
{$62.00} on XXXX/XXXX/2013 -- Check By Phone payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I am unsure if what happened to me is a legit reason to be this upset but after trying to pay my bill in full part of my payment was declined so I was contacted again by the collection agency to take care of the rest. After asking if I could call my husband to make sure it is okay to make the rest of the payment I was consistently and rudely questioned as to why I needed to call him. I was shaking they were being so rude and I just could not believe they would not allow me to just call them right back. I understand they are a collection agency and need their money back but I felt like I was dealt with on an inappropriate manner.

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 2016-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: IQOR US INC
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, 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 non-monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Nations Recovery Center
State: PA

Complaint narrative:
A man by the name of XXXX XXXX, who said he is a professional debt collector from Nations Recovery Center, is repeatedly calling me on my work phone, and my cell phone number. He calls from various numbers and extensions. I find this man to be disturbingly harrassing. At first when he called, he did n't leave the nature/name of the debt in which he says that I owe. Now he 's saying its regarding a XXXX XXXX XXXX. I have asked this person time and again to not call my place of employment, but he still does it. Please do something to stop this harrassment, or I could get terminated from my job, which is causing me undue stress. Thank you.

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 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: FIRST ADVANTAGE CORPORATION
State: LA

Complaint narrative:
My report has addresses on it that is not associated with me that I like to have removed. The addresses are listed below : XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 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: IQOR US INC
State: FL

Complaint narrative:
THIS ACCOUNT WAS CLOSED AND THE UNIT CONTENTS SOLD. I HAD REQUESTED FULL DETAILS OF THE PROCEEDS RECOUPED AGAINST THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: PA

Complaint narrative:
I was not living with my parents at the time. They made my mother XXXX she is from XXXX, a citizen of the XXXX but still an XXXX, she didnt know what she was signing. I needed the money to pay the University XXXX XXXX. I tried to settle multiple times or ask or payment relief, reduction of interest rate. The interest rate is 10 %, once in deferment this loan has now grown to a {$38000.00} balance - initially taking out XXXX. THe only thing I was offered was a quarter percent XXXX .25 % XXXX rate reduction for setting up direct withdrawal. I can not afford the monthly payment yet they will not do anything to help. Ideally I want to refinance this and pay less montly but also at a lower interest rate. At this rate I will never pay off this loan. I should n't be crucified or bullied into high interests because I wanted to get a college degree. It is a shame and I feel it is " PREDATORY LEDING '' to the XXXX degree. The financial crisis allowed the XXXX industry to get out of their high interest and bad debt - these banks that lend to students target people who need the money to pay for education. What is wrong with this picture? I THINK A LOT!! How can we do this to the next generation of people trying to make something of themselves?? Putting them in an unrealistic financial situation with ABSURD interest rates and will not budge to settle the amounts or give a break on a XXXX interest rate.. PLEASE HELP!!!

Company response to consumer: Closed with explanation