vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
The loan was approved for a trial modification while the XXXX law Firm was representing XXXX and XXXX XXXX for a loan modification in XXXX of XXXX. Thereafter, XXXX and XXXX XXXX made all of the trial modification payments and has continued to do so and SLS has accepted the payments. Unbeknownst to XXXX and XXXX XXXX, the permanent modification was allegedly sent to XXXX XXXX XXXX XXXX # XXXX, an address that was not listed anywhere in the RMA or application for assistance nor did the XXXX XXXX XXXX request for documents to be sent to this address. Additionally, the XXXX specifically requested assistance on the primary residence and listed the mailing address for the subject property of XXXX XXXX XXXX XXXX XXXX, FL XXXX. On XXXX XXXX, XXXX, the XXXX Law Firm contacted SLS to inquire as to the status of the permanent loan modification. IN response, on XXXX XXXX, XXXX, XXXX informed our firm that the permanent documents were sent to the alleged address provided by the borrowers and that the loan modification was being rescinded. We have attempted to ask SlS to re-open the modification and comply with the terms and conditions of same. However, SlS refused to comply with the offer and now wants our clients to begin the process from scratch. As the failure to timely submit the loan modification back to the lender was due to the fact that our clients did not receive a copy of the modification until the modification was sent to our firm, SLS must be required to finalize this loan modification.

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 2015-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
SKIP TRACING TRYING TO LOCATE XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, KEEPS CALLING XXXX, XXXX, XXXX, ETC. IGNORED CEASE AND DESIST LETTER AND DO N'T CALL REQUESTS IN VIOLATION OF FDCPA AND TCPA. HAVE PHONE RECORDS AND WELL DOCUMENTED FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I am very upset of the way Specialist Loan Servicing has handle my loan. First my income is always calculated wrong and the value of my property as well, I have paid for my own Appraisal to proof SLS that my home is severely under water. I am been forced to reapply every time, and is always the same decision. However I have my nephew as a contributor, and I have provided SLS many documents for proof of occupancy and still they keep requesting more documents every time. At this point I am more than sure that SLS does not have any intentions of helping me, instead SLS is prolonging may case making me fall more behind. I am tired of the fraudulent and deceptive practices SLS has used in order to denied me a modification. I am going trough so much stress and is affecting my health. My half-brother and nephew are the only source of income I have. I have provided their state id and tax returns and they both have my property address. Therefore I am hoping that SLS can finally finish the review and provide me with an affordable mortgage payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
The debt collector was very rude while I was trying to explain to her that the debt was paid. She gave me their email, I had to ask several times for her to repeat the email because I could n't understand her and she then yelled at me saying " mam listen! '' and hung up on me. About XXXX minutes later she called back to tell me they had given me the wrong email and were rude for the duration of this conversation also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I have been trying to sell my home in a short sale with SLS. I have hired a listing agent as well as an attorney to facilitate this. I was informed that we have a solid offer on the property and it was sent to SLS for review and approval. Despite SLS confirming that they have all of the requested documents, they are not acting in good faith and continuing with the sale date. I have complied with absolutely every request and I can not understand why they are refusing to help me. I am in poor health and am trying to avoid the embarrassment of an auction. Please help me to sell this home in a short sale so I can leave with some dignity.

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 2015-12-14 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: AZ

Complaint narrative:
I had a 2nd mortgage, interest only loan, for 10 years with SLS, paid on time every payment. They recently instructed me that the terms of my loan are that I now start paying it off. I applied for modification but was denied. All the while making the payments payments on time with the statements received. Never a late payment. They sent me a new monthly statement for XXXX with the new monthly payment which I paid on time ( well documented bank transfer and even on their web site under my account info shows paid on time. But the XXXX statement shows a late fee being charged. When called they stated they could not change anything although the representative stated she saw that the payment was made. I have never received my new loan documents or a payment schedule from them and really do not know the terms of my continuing loan now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA

Complaint narrative:
During the mortgage loan application for my house ( first time buying a home ), the Loan Officer at Golden Empire Mortgage, XXXX XXXX, promised me to exclude the loan origination fee in the amount of {$2400.00}. I was rushed to sign all the loan documents by the notary, and was told that XXXX was going to go over all the details with me later the same day. Nobody disclosed to me that I would have 3 days to go over all the details, and that I had the right to cancel the loan if there was anything wrong with it. When I realized that the fee of {$2400.00} was not removed, and I asked XXXX XXXX about it, this was her response : " Oh shoot, I forgot.. do you want me to redo the whole loan, which will take another 30 days or so? ". Again at any moment she told me that I had 3 days from the day I signed the loan papers to either cancel or adjust any discrepancy. I was really disappointed with the dishonesty and the lack of respect to me as a consumer/client. If I knew I had 3 days to go over the details of the loan and fix any errors or discrepancy in any money amount, I would have totally argue/fight to have that amount adjusted/removed from the loan. I thought that once the papers were signed that was it I could not go back or fix anything. I could not redo the whole loan, as she suggested and wait another 30 days because I had already given the 30 days notice to my previous landlord, so I had to move into the new home within the next couple of weeks. I will never ever recommend GEM mortgage to anyone, especially this particular loan officer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
Continues to call for the wrong person at my number. I do not know the person they are calling for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I AM APPEALING THE LOAN MODIFICATION THAT WAS OFFERED ME BY SPECIALIZED LOAN SERVICING based on my income. 

My business, XXXX is mainly a cash business as I purchase goods here in the US and sell in my native country, XXXX. My son who signed for the mortgage with me has quit claimed himself off the property as he has moved out and started his own family. It is now left up to me to pay the mortgage. 

Specialized Loan Servicing did not even lower the exorbitant interest rate of 8.250 and with only 151 months left on the mortgage, there must be some way that they could make this mortgage more affordable. Either by extending the terms or lowering the interest rate. I want to keep my home but I will not be able to unless the private investor who owns my loan has some mercy and decides to work with me. 

I would like to be considered for a HAMP. I have never had one and I understand that Specialized Loan Servicing receives money from the government to extend this type of modification to it 's customers.

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 2016-09-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: State Finance Company
State: TX

Complaint narrative:
Do not go through broadway finance if u do not want to be harassed! I told them I would come in Saturday and the Manager XXXX said it had to be paid today that she would meet us halfway she was screaming and saying we always lie and make excuses. They show up to my husbands job and tell him he has to pay! I have never dealt with a company like that before they usually just report you to the credit company if you do n't pay them, but not this company they harass u with calls and visits until u pay, she did not want to take my arrangement and we feel very harassed. We decided not to pay them because of the way she spoke to us and threatened us and said she would keep calling.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
these is a follow complain from complain XXXX filed XXXX after XXXX XXXX XXXX transfer the loan to SLS, I 'm still disputing the amount of the debt and try to get the servicer compliance with california code XXXX. I hire XXXX XXXX attorney on XX/XX/XXXX he file bankruptcy because SLS, send me to foreclosure without validating the debt, did not consider me for modification I been ask every trustee for full accounting on these debt, but these people its hire just to sale the property they do n't know a true from. a factual matter.another problem its the county records aloud this fraud to continuing to happen they record fraudulent documents its well know the notary and trustees are creating false document. 
the servicer SLS its been sued for my attorney case # XXXX. XXXX its the new trustee before was regional trustee then, XXXX XXXX and now these trustees are in federal investigation ( all ) for fraud and they keep filing notice of default without been compliance with California code 2923.5.I went to public records to file a notice of non compliance with ca 29623.5 they did not record my document. 
I m an inversionist I sign a contract for a loan where a lot of people bougth a piece of paper ( bonds ) and treasure department gave them discharge of the note. the Banks and lender are getting rich and they still sending people to foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
when paying my mortgage i call and pay over the phone the mortgage company all way harerass me. by say that i am later or i miss a payment an they keep on .this has been gone on for a year and just are try to make say taht i miss a payment they get mad then i dont say taht miss a payment or later i dont what to do iam trying to pay my mortgage that is all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
I took out a loan with XXXX to have a procedure done. They quoted me for XXXX dollars but only provided the doctor XXXX and I still had a balance with the doctor of XXXX. Moreover, I would pay back XXXX dollars for three years XXXX a month. I hit hard times so I missed XXXX payments and also decided not to have the procedure done. I was told todat by the doctors office that XXXX rescended their loan and that the doctors office sent them their money back. So I should not have to pay anything because not only did they pull their money back I never got the procedure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Western-Shamrock Corporation
State: GA

Complaint narrative:
My XXXX sisters and a cousin has complained to me stating that they 're being contacted several times a day on a daily basis in terms of having been listed as a reference. They 've also revealed to them the nature of the call and where they 're calling from. I know for a fact that they can only leave their name and number and they 're not even suppose to call my references if I have a working phone number myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
This company claim that I paid them. I have never conducted any business with Franklin company. I have never paid them any funds on behave of XXXX. They can not provide a receipt stating the correct date I paid XXXX or who accepted the payment from their company. They also added the debt after the date that I allegedly paid them to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I got a 30 day late XX/XX/2017 and it 's reported on my credit report that payment was made on XX/XX/2017 when it was actually made on XX/XX/2017. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
At the inception of my loan, I had great credit ( XXXX or so ). I got the loan from the dealership I went to ( XXXX ), I was not informed of any specific details ( such as loan APR, only length ) when purchasing the car and putting the down payment down. After I did all of that, I was stuck with a super high interest rate ( 18.10 % ). 

I was also required by XXXX to get " extra protection '' which was a service contract, that I did n't need or want, but I was told I must have in order to get the car. An extra {$1800.00} to the loan. 

Now I can not continue to afford this car loan, the interest rate is at an astronomical 18.19 %. I need it to be lowered to 4 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Check Security Associates, LLC
State: CA

Complaint narrative:
This collector is harassing me at work and stating that I owe {$16000.00}. The loan was for {$3000.00} and I have paid {$2200.00}. I am a single working mom with XXXX children and the XXXX of these people are making it difficult to function for my children. Please help me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 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: FL

Complaint narrative:
FCSI continues to attempt to collect a final bill from me on behalf of XXXX XXXX XXXX, despite the fact that -- as the attached documentation shows -- the amount XXXX XXXX XXXX owes me ( {$180.00} ) exceeds the amount of my final bill ( {$150.00}, according to XXXX XXXX XXXX ; {$160.00}, according to FCSI ), as a result of developments stemming from the month-long DSL outage that caused me to eventually terminate my XXXX XXXX XXXX Services this past XXXX. Note that in addition to the damage sustained when my XXXX Service went down on XX/XX/XXXX by the modem I had purchased for {$91.00} from XXXX on XX/XX/XXXX, I was forced to pay Clear {$54.00} on XX/XX/XXXX and another {$43.00} on XX/XX/XXXX to replace my DSL Service while it was down, whereas XXXX XXXX XXXX refused to compensate me for either the loss of my modem or the expenses I incurred as a result of the month-long DSL outage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I have sent XXXX request to have Smith, Rouchon and Associates , Inc. validate a debt that they have been contacting me about. I have expressed over numerous of occasions that the debt does not belong to me. Smith, Rouchon and Associates, Inc have failed to send me any correspondences validating such debt and yet they still are reporting the negative information to the credit bureas.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
I RECIEVED A LETTER FROM FRANKLIN COLLECTION SERVICE INC AT MY FLORIDA RESIDENCE STATING I OWE XXXX AND THEN TOTAL DUE ALL CREDITORS XXXX THE PARTY THEY ARE COLLECTING FOR ON THEIR PAPER XXXX  THE FIRST LETTERS SHOW FALSELY LIKE THEY ARE A CHECK.SINCE I DO ALL MY XXXX AT XXXX I CONSIDERED THE LETTER FRAUDULENT AND THREW IT AWAY AFTER CALLING AND BEING DENIED THE NAME AND WEBSITE OF THE GOVERNMENT ENTITY RESPONSIBLE FOR COMPLAINTS AGAINST THEIR BUSINESS AND ITS PRACTICES. I ALSO RECIEVED A THREATENING PHONE CALL ABOUT CRIMINAL CHARGES REGARDING MY DEBT THAT WAS LATER ERASED OFF OUR ANSWERING MACHINE. WHEN I TRIED TO CONFERENCE MY INSURANCE COMPANY TO THE COLLECTION AGENCY THE NUMBER SUDDENLY DID NOT WORK AND IT HAD ONLY MINUTES BEFORE. THE INSURANCE COMPANY COULD NOT LOCATE A BILL XXXX IN MY CLAIMS. I TYPED THE COLLECTION COMPANY A LETTER REQUESTING DETAILS ABOUT THIS DEBT AND TO WHOM IT WAS OWED LIKE DATES CONTACT INFORMATION FOR THIS BUSINESS I OWE WHAT SERVICES WERE RENDERED AND HOW IT WAS SUBMITTED TO MY INSURANCE AND CLAIM STATUS AND DETAILS. I STILL HAVE NOT RECIEVED A RESPONSE AND ITS BEEN MONTHS AND THE RUDE MAN WHO REFUSED TO LOG A COMPLAINT OR ALLOW AN EXECUTIVE COMPLAINT OR TO ELEVATE MY CALL OR PROVIDE GOVERNMENT COMPLAINT INFORMATION SAYS THEY HAVE NO RECORD OF RECIEVING CORRESPONDENCE FROM MYSELF OF ANY KIND. I FEEL THEY CAUSED THE TELEPHONE LINE ON THIS EARLIER STATEMENT TO BECOME DISCONNECTED AFTER I STATED THEY HAVE A LEGAL OBLIGATION TO DISCLOSE WHERE I CAN FILE A COMPLAINT AND THAT REFUSING IS CRIMINAL THE MAN MUMBLED AND I SAID I DIDNT HEAR HIM AND HE REFUSED TO GIVE ME THE WEBSITE AND THE CALL ENDED. I COULD NOT REACH THEM TO CALL BACK BECAUSE THE PHONE LINE WAS NO LONGER IN SERVICE FOR MYSELF OR FOR MY INSURANCE COMPANY TO CONTACT THEM. THEY ALSO SAID THAT IF I PAID ELECTRONICALLY OVER THE PHONE OR THE INTERNET THIS DEBT WOULD NOT EVER SHOW ON MY CREDIT REPORT AND THAT IF I PAID THROUGH THE MAIL THEY WOULD NOT REMOVE IT FROM MY CREDIT REPORT BUT ONLY DISCLOSE TO THE CREDIT AGENCIES THAT IT HAD BEEN PAID AND THAT IT WOULD REMAIN ON MY CREDIT FOR SEVEN YEARS THEREAFTER. THE DEBT COLLECTOR MADE THREATENING CALLS AND PRESSURED PAYMENT BY OTHER MEANS THAN BY MAIL STATING PAYING BY MAIL WOULD DAMAGE MY CREDIT AND THE COLLECTION SUPERVISOR PURPOSELY DID NOT GIVE OUT THE WEB ADDRESS OR INFORMATION I NEEDED OR TELL ME WHERE I COULD FIND IT HE PURPOSEFULLY MUMBLED TO OBSCURE WHAT HE WAS SAYING TO ME. I AM VERY UNHAPPY ABOUT MY EXPERIENCE AND STILL DON'T KNOW WHO I OWE WHY I OWE THIS AMOUNT OR WHERE THIS HAPPENED AND IF A HOSPITAL OR FACILITY AND IF THEY FILED A CLAIM WITH MY INSURANCE BECAUSE XXXX DOES NOT SHOW IN MY INSURANCE CLAIMS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ATG Credit, LLC
State: TX

Complaint narrative:
the Hippa law as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.INCLUDED IN BANKRUPTCY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 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: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
This debt was paid back in 2011 for a version bill that was paid way before it went to a debt collection agency. I want it removed off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation