vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-16 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: HI

Complaint narrative:
Specialized Loan Servicing attempted to modify my HELOC account, and is claiming that 4.5 % of {$120000.00} works out to {$790.00} per Month in interest only. 

I contacted Specialized Loan Servicing several times, and they had admitted that these numbers were incorrect. However, upon follow up, I spoke with a supervisor named " XXXX '' on XXXX/XXXX/15, who claimed that these numbers were indeed correct. I believe this represents attempted fraud on the part 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 2016-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
For the past several years I have been paying my mortgage payments via electronic payments from my XXXX account and never had problems with the mortgage companies receiving the payments. This time though Specialized Loan Servicing company claims they have not received my payment, which was sent on XXXX/XXXX/2016 electronically and should have been received by SLS on XXXX/XXXX/2016. We called them today with my XXXX Bill Pay support and although XXXX provided a support that the payment went out to the right address and account number, SLS states they did not receive the payment. It 's a messy and shady company with questionable accounting practices and arrogant customer service. I 've never in my life been late with any payments and I will not allow this XXXX company to spoil my credit. Please kindly review this matter and help me to deal with them. I just do not have any confidence that they know what they are doing. How the electronic payment can get lost or not received, if for the past year and a half was sent in the same fashion, to the same address and account and I have not had problems.

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 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
My mortgage was bought from XXXX by SLS in XXXX. Since then I 've had nothing but issues with them. They charge {$9.00} to take a payment over the phone and refuse to accept my electronic payment. They refuse to send me any kind of statement as to escrow, account payoff, or how much my payment should be after tax adjustment. They are rude on the phone and the only time I could get any information from them is when my bank called them. They refuse to give out information to anyone but a bank or a lawyer. I 'm the customer do n't I have any rights when it comes to my mortgage? They claim that because I filed for bankruptcy, which was XXXX in 2014, I have no right to any statements. However XXXX, the original lender, sent me statements each month. How do I know if SLS is living up to the mortgage modification if they wo n't give me any statements?

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 2016-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
My original loan amount was {$300.00}. Somehow after a loan modification, the mortgage company added more or less another XXXX to my principle. I had filed for a hardship case, asking for a making home affordable loan. My late husband was in charge of our finances at the time. I have researched and can not find any reason for such an enormous amount of money being added to my principal. XXXX person I spoke with from XXXX XXXX bank said she had never heard of an amount being " increases to the mortgage '', but had only heard of amounts being " reduced, or deducted from mortgages '' .This increase has caused the house to cost more than actual worth, an upside-down situation. If I sell my house I will lose money. This is an absolute injustice. This is not a " XXXX XXXX XXXX '', it is the government bailed-out bankXXXX it 's consumers, and possibly getting away with it. I noticed when I made inquiry with XXXX, they had particpated in the home affordability act, but sold my loan or note to another bank soon after 2011. I was a tax paying citizen trying to avoid foreclosure. Now I am in a much worse predicament. I have attached some documents pertinent to this complaint.

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 2016-12-17 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
using and relying on false documents. 

The company will not verify the loan after numerous request they rely on the document that is fraudulent. And that what they keep send over and over and they already have been told that this document is false information.

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 2016-06-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MINNESOTA LIFE INSURANCE CO., THE
State: IN

Complaint narrative:
I had a personal loan with Personal Finance Company opened on XXXX/XXXX/XXXX and refianced ( paid in full ) in XX/XX/XXXX. Multiple times, I have contacted Personal Finance Company to report the account information to the Credit Bureaus correctly and multiple times, they have continued to report incorrectly. 

The account was updated on XXXX/XXXX/XXXX ( 2 years and 4 months after it was closed ) and a 30 day late was marked for XX/XX/XXXX. This account was marked a 30 day late when it had been paid/closed/refienced in good standing 2 years and 2 months prior.

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 2016-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: CA

Complaint narrative:
The company Allied Interstate has called my cell phone every hour for the past week with no one answering. I received a letter in the mail from them stating they are trying to collect a debt for XXXX in the amount of {$30000.00}. I have never done business with XXXX or XXXX. I believe this is an attempt to collect a non-existent loan or used my identity to do so.

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 2015-12-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Did n't get score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
To Whom It May Concern, We really need some help. We had a high interest loan through Honda Finacical since 2010 on a 2010 XXXX XXXX We recently traded in the vehicle to XXXX as they agreed to payoff the rest of the loan. We notified Honda of this the very next day after signing the contract with XXXX. The XXXX dealer needed the exact payoff amount and tried to call Honda Financial multiple times. They refused to give the info. to XXXX. I then called Honda Financial back who told me that if XXXX did n't make the payment right away they were going to mark us 30 days late on our credit. I told them we did n't have nor own the car anymore. I had a contract, paperwork, I could send to them. They did n't care. I asked them numerous times to contact XXXX to verify what I was telling them. They took XXXX 's info. but according to XXXX, did n't contact them. XXXX said they had consistent problems when dealing with Honda Financial and this was n't anything new. I ca n't tell you how many times we tried to contact Honda Financial. At XXXX point we spoke to a customer service rep named " XXXX '' who refused to give her last name. We then spoke to a supervisor named XXXX who did n't seem to care but told me I could fax her paperwork to prove that the dealer purchased the Honda. I faxed the paperwork but never heard a thing. Honda was determined to mark our credit 30 days late ( a mark WE NEVER HAD in 5 years of financing the vehicle! ) I think possibly they wanted to continue to charge interest? Finally after many days of going back and forth XXXX was able to payoff the entire loan. But not until more interest accrued and our credit was marked 30 days late! Why do n't these financial institutions care about people? My wife leased an XXXX last year ( through Honda Financial ) and is now hating it because of the way that Honda treated us. We are trying to purchase a home for our family and then negative mark on our credit is actually hurting that dream! XXXX wanted the payoff amount and Honda made it so difficult to obtain the info. We have documentation to prove that we signed the contract with XXXX to purchase the Honda BEFORE being 30 days late on a payment. Honda accrued more interest from making it hard to payoff this car but what did they gain from marking our credit report? Why did n't they want to help has after ( and continuing to be ) loyal customers for so many years?? Again, I would like to make it clear that XXXX was attempting to pay Honda on time so our credit would n't be marked with a late payment. Honda made this impossible and was not cooperative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nations Recovery Center
State: WI

Complaint narrative:
XXXX from Nations Recovery Center called me at work requesting i pay a XXXX debt. I said it 's not mine and I wanted her debt collator number. she refused to give it to me. She would not give me the address to send a letter that it was not mine. not to mention she was down right rude. 

I have written letters to multi companies including figerhut this is not my debt. 


after calling them back i was contected to a person who used a fake name and a would not give me a website of there company. they all so gave me an address that i think does not belong to them. I could not find the company in any address book. 

Lastly he bragged that it was XXXX dollar business but let would not give me any information on this XXXX dollar business.

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 2016-01-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Honda advertises no money down lease on new Civic for $ XXXX/mo.. In very fine print, they show hundreds, if not XXXX of dollars of upfront costs to do this lease. The no money down offer is misleading if not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: MI

Complaint narrative:
I totaled one car through Honda Financial and purchased a new car through Honda. I made my first payment for my new car. They mistakenly applied it to the totaled car. They sent me a check for over payment. I called, they stopped payment on the check and told me they would apply a credit to my new car account. It has bee 60 days and they have me a 42 day reporting late status to the credit agencies. They have acknowledged their errors but can not correct the reporting immediately. Thus, I was turned down for a refinance of a home loan because my score was affected by the drop due to their mistake. I have to refi my home immediately. I will have to file bankruptcy very soon because of medical expenses that were not billed correctly to my insurance carrier. This is causing me a hardship and a loss. They are not offering a reasonable solution to their mistake of reporting false information. The inaccuracy is causing me a hardship and the reporting is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nations Recovery Center
State: CA

Complaint narrative:
I was contacted by Nations Recovery Center in XXXX XXXX in regard to a debt that was charged off in XXXX. XXXX XXXX called saying that he was collecting this debt and that I need to pay the entire debt of {$7400.00}. 

I requested supporting documentation to prove his firms right to collect the debt. 

2 weeks passed and after my receipt of supporting documents to prove he had any right to collect the debt, he again contacted me. We had come to a verbal agreement of {$3200.00} and he was to email me a settlement letter to sign with that amount. 

2 weeks passed and instead of receiving the settlement letter from XXXX XXXX, I receive an emailed settlement letter from XXXX XXXX and a XXXX XXXX CC'ed. It 's for {$5200.00} I feel the false statements by all parties named has caused a real problem. I am not sure who to believe or whether this is a real company. They may have the same dotcom but all contacts have different phone numbers and none seem to know what either is doing.

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 2016-01-11 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: NY

Complaint narrative:
ALLIED INTERSTATE LLC continued to report an XXXX account that, does not belong to me, and also has repeatedly been removed from my credit report, yet, they continue to try and re-report the account. This is illegal the next step will be to bring a lawsuit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
My car company American Honda Finacial has contacted my job after told not to! I work at a hospital and I can not have any personal calls come through on the company phone. American Honda Finacial keeps calling my job and my Director told them they can not call the hospital phone. I have also recently spoken with Anerican Honda Finacial Repersenatives and had told them orally not to call my job and gave them an updated number and point of contact on XXXX XXXX, 2016. I also made a payment agreement! However, I am feeling unsafe that my Truck has a recall with airbags that Honda has yet to replace and fix! They say I have to wait for my second recall later! Any any of my payments were late I was trying to safe as much money as U can as a XXXX Mom to buy a much safer vehicle ASAP. The though of an airbag and Sharp metal pieces taking the life 's of anyone in the vehicle!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: AR

Complaint narrative:
I XXXX XXXX, phone number:XXXX, address : XXXX XXXX XXXX XXXX XXXX, AR XXXX, purchased an ATV in XX/XX/XXXX through American Honda Finance ( Account XXXX XXXX ), I had 100 % on time payments until my spouse was laid off from the oil field and we were forced to file a Chapter XXXX Bankruptcy. This loan was fully discharged and included with our bankruptcy that was finalized and reported to the credit bureas on XX/XX/XXXX. We recently tried to apply for a refinance loan on a different auto loan, and since the bankruptcy our payment history has been 100 %. The loan officer called and said that the credit bureas were showing that we were 60 days late on this ATV loan and that it was showing open and active. We have not even had the ATV since XX/XX/XXXX, not just that but after 2 years now they are reporting it is an active account and reporting delinquency in payment history. This was written off and we did NOT reaffirm loan, So I 'm not sure why they chose to start reporting this invalid loan all of a sudden 2 months ago. This is very frustrated for someone who is trying to rebuild and doing everything right. I need this off my credit ASAP. Any help to do so would be greatly appreciated. As you can seen on the documents I have sent that everything stated is legitimate. There should be 3 attachment including my original Bankruptcy paperwork that shows this loan was included in Chapter XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Plus Inc
State: FL

Complaint narrative:
I have a hard inquiry on my XXXX Credit Report by CREDIT PLUS. I do n't recall requesting Credit from Credit Plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I purchased a new vehicle from XXXX XXXX in XXXX PA on XXXX/XXXX/16. When we did the loan information we got the payoff of my vehicle from Honda Financial Services which totaled {$12000.00}. I received a letter from Honda Financial Services on XXXX/XXXX/16 that my account was paid in full and I received a check for {$8.00} due to an over payment. Now on XXXX/XXXX/16 I received a call from Honda saying that my account is owed {$800.00}. They had a system error that caused a payment I made to be put on the system twice. They reversed both payments and now I owe that money. My understanding is that if the account is paid off it should include all payments owed on the vehicle and I no longer have possession of the vehicle. Due to their system having the issue I do n't feel that it is my responsibility to owe this money and I do n't want it to effect my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-21 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
My son is XXXX, in the XXXX. I still receive mail addressed to him once in awhile and have his permission to open mail and deal with any issue that might arise. I received a letter from a collection agency requesting a balance owed for automobile insurance. They also sent another clients debt and personal information in the same mailing. I tried to negotiate a settlement with them and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
This is the XXXX time that this XXXX has appeared on my public record under my name. The XXXX is from XXXX XXXX County Court house in XXXX dated XXXX/XXXX/XXXX. This is not my charge but the person has the same name and date of birth. I have called the court house myself and they have verified it was not me. I also did a credit dispute on this matter and XXXX removed it from my report but other credit bureaus are still reporting this matter as me and it cause me not to get employment. This need to be fixed and inaccurate information should not be reported on people who are innocent, I did not live in XXXX in XXXX and I was in the military XXXX and a resident of XXXX with a XXXX driver license. I did not move to XXXX until XXXX and never visited this state until I moved here. Please help me get this resolved it causing me problems with getting employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: STATE FARM BANK, FSB
State: VA

Complaint narrative:
I have had loans threw State Farm Bank. I recently requested a loan quote and I was told because I am an XXXX I can not borrow money from them to purchase a Vehicle from this business??

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 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: PREFERRED CREDIT INC
State: CA

Complaint narrative:
THIS ACCOUNT IS SO OLD, ITS PREFERED CREDIT, XXXX XXXX. THIS COMPANY IS HONORABLE AT TRYING TO COLLECT, THEY HAVE SENT THIS ACCOUNT OUT TO SO MANY COMPANY 'S AND ITS BEEN PAID IN FULL SINCE XXXX/XXXX/2013 TO XXXX AND ASSOCIATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: STATE FARM BANK, FSB
State: IL

Complaint narrative:
When you log-in to State Farm Bank 's online service, there is no option to view your vehicle loan 's accumulated interest. This is the interest that builds up, over time, which you still owe the company. Because of this, you are unable to know at any given point the total amount of money you owe the company, if payments are being properly applied, or if they are computing the interest rate properly. From a consumer standpoint, this is an overwhelming disservice.

Company response to consumer: Closed with explanation